QBANK Credit Card Application Account features of proposed credit card Low interest rate Up to 55 days interest free Accepted worldwide wherever Visa is accepted Rewards program offered on the Bluey Rewarder Card Repayments due on the 11th of each month No annual fee on the Bluey Card Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003. : 13 77 28 Fax: 3236 2194. Email: info@qbank.com.au Website: qbank.com.au ABN 79 087 651 036 AFSL No. 241413 Primary Cardholder Details Bluey Card Desired credit limit $ Bluey Rewarder Card Are you a QPS or DCS Recruit? Yes No What is the purpose of this credit card (and any additional information)? Initial Approval Criteria Before you complete this application please be sure each applicant can answer YES to the following questions: Are you 18 years of age or older? Yes No Is your household income over $20,000 ($15,000 if pensioners)? Yes No Are you a permanent Australian resident? Yes No Are you a QBANK shareholder? Yes No If you have answered NO to any of the above questions, please contact us on 13 77 28 to discuss before completing this application. 1. Personal Details - Applicant 1 2. Personal Details - Applicant 2 Title Surname Title Surname Given names Given names Membership number Date of birth Membership number Date of birth Driver s licence number Driver s licence number Residential (PO Box not acceptable) Residential (PO Box not acceptable) Time at this address: Yrs Mths Time at this address: Yrs Mths no. Home Work no. Home Work Mobile Mobile Email Email Previous (if at current address for less than 2 years) Previous (if at current address for less than 2 years) Time at this address years Postal (if same as residential address, please leave blank) Time at this address years Postal (if same as residential address, please leave blank) Marital status 1 Single, 2 Married, 3 Defacto, 4 Separated/ Divorced, 5 Widowed Marital status 1 Single, 2 Married, 3 Defacto, 4 Separated/ Divorced, 5 Widowed Number of dependants Ages Name of nearest relative and one friend (not living with you) Number of dependants Ages Name of nearest relative and one friend (not living with you) CCA100417 Please turn over Page 1
3. Employment Details - Applicant 1 Employment/Income details may be verified with employer/ accountant Employer s name/accountant s name (if self-employed) 4. Employment Details - Applicant 2 Employment/Income details may be verified with employer/ accountant Employer s name/accountant s name (if self-employed) Employer s/accountant s phone no. Location Employer s/accountant s phone no. Location Current occupation and start date Current occupation and start date Employment status: Full-time Part-time Casual Retired Self employed Other Previous occupation Employment status: Full-time Part-time Casual Retired Self employed Other Previous occupation Time with previous employer Years Months Time with previous employer Years Months 5. Financial Details Individual Application: Please state the total amounts for each of the items listed below and indicate if joint with another person. Joint Application: Please state the total amounts for each of the items listed below. Salary/Income First applicant s gross annual salary $ Second applicant s gross annual salary $ Other gross annual income $ Assets Please include last 2 pay slips or if self employed, last 2 years tax returns and assessment notices and evidence for all other income Real estate property $ Motor vehicles or boats $ Savings/shares/investments/superannuation $ Residential Status Home owned/being purchased Renting Living with parents Government housing Other Liabilities/Commitments Description Institution Monthly Payments Total Owing Mortgage or rent Car loans Personal loans Other commitments Credit Cards/Store Cards/Overdrafts Card type (e.g. Visa, or overdraft) Issuer (e.g. QBANK/ANZ) Credit Limit Current Balance CCA100417 2
6. Balance Transfers Please read the Balance Transfer Terms and Conditions included in this application before applying. Yes, I/we would like to transfer the amount nominated below (or an amount subsequently advised) from another credit or store card(s) to my/our new QBANK Card Account if approved. Card 1 Account name Card 2 Account name Card issuer Card type Card issuer Card type Account/Card no. Account/Card no. Exact amount to be transferred Limit Exact amount to be transferred Limit I/We accept that it is my/our responsibility for paying any residual balance and for closure of the above account/s following transfer of the requested amount to my/our QBANK credit card. Balance Transfer Terms and Conditions QBANK may accept balance transfers of $100 or more from credit cards issued by banks, other financial institutions and/or store cards. Only the account holder(s) (the Primary Cardholder(s)) can request a balance transfer to your Card Account. Your balance transfer will only be processed once you activate your QBANK Bluey Card Account. Payments to nominated credit/ store card issuer(s) will usually be made within 14 business days of us receiving your balance transfer request. Please note we are not responsible for any delays in processing your request. Until then, you must continue to make payments on your nominated account(s) in accordance with the terms and conditions of those accounts. You are also responsible for paying any remaining balance, interest, fees and charges after the transfer. If the balance transfer is processed, it will appear on your next statement of account. QBANK reserves the right to refuse a balance transfer for any reason, including but not limited to: the balance you wish to transfer relates to other QBANK loans or overdrafts; the balance you wish to transfer relates to credit cards and/or store cards issued outside Australia; the balance transfer will result in the balance of your Card Account reaching or exceeding 95% of its Credit Limit; you are in default of the QBANK Bluey Card Conditions of Use; or if the credit and/or store card account(s) from which you wish to transfer a balance(s) is/are in default at the time we receive this application. If the amount you wish to transfer will cause you to exceed the Credit Limit on your Card Account, QBANK may only transfer such amount so that your Card Account will reach 95% of its Credit Limit. We will treat all balance transfers as a purchase. Interest applies to the amount of the balance transfer starting from the date the balance transfer request was approved and processed. Any promotional offers for balance transfers are only valid if your request for a balance transfer is made during the promotional offer period and made in the manner specified by the promotion. Please refer to your Bluey Card Conditions of Use for the rest of the provisions on balance transfers. 7. Automatic Repayment Option Yes. Please arrange for my minimum payment due to be automatically paid monthly from my S1 or S6 account: Member no: Yes. Please arrange for my total outstanding balance to be automatically paid monthly from my S1 or S6 account: Member no: 8. Additional Cardholder (Optional) Would you like an additional card on the same account? Yes No Please provide the following details (additional cardholders must be 16 years of age or over) and ensure Additional Cardholder signs below. Title Surname Given names Member no. Date of birth Please note, you incur liability for transactions performed on your card account by the Additional Cardholder. Please read the Bluey Card Conditions of Use for further information. Please note, if the Additional Cardholder is not a signatory to another account at QBANK it will be necessary to complete documentation certification statement to verify their identity under the Anti Money Laundering and Counter Terrorism Financing Act 2006. Signature of Additional Cardholder CCA100417 3
9. Authority I/We nominate: to receive notices and other documents under the National Credit Code on behalf of me/all of us. Both borrowers can advise QBANK at any time to receive directly a copy of any notice or other document, or to cancel this nomination. By completing this section, the borrowers acknowledge that they are giving up the right to be provided with information separately. I/We agree that the activation of my/our QBANK Bluey Card will amount to my/our acceptance of all relevant QBANK Bluey Card Conditions of Use, and, if applicable, the Rewarder Loyalty Program Terms and Conditions. I/We acknowledge that all information provided in this application is true and correct. I/We consent to the receipt of all QBANK account statements and notices via online banking and agree to check these statements. Do you consent to QBANK providing you with invitations to increase your credit limit from time to time? You are able to accept or refuse such invitations and QBANK retains discretion in granting any increase applied for. You can withdraw this consent at any time. Over Limit Charges I/We understand that QBANK may impose a fee and or a higher interest rate in the event that I/we exceed my/our credit limit. Any such charges will be set out in QBANK s Lending Fees and Charges brochure, available online or on request. I/We consent to the imposition of such charges and understand that I/we may withdraw this consent at any time. I/We acknowledge the continued use of the product may be refused if such consent is withdrawn. By signing this application, you acknowledge having read and understood the permission to obtain and disclose information. You authorise the persons and organisations named above to give and obtain the information in the ways specified above until the credit is repaid in full. Yes Yes No No Applicant 1 signature Date Applicant 2 signature Date Additional information (if required) Please return this application by either Mail: QBANK PO Box 13003 George Street, Queensland Fax: (07) 3211 3683 CCA100417 4
Key facts about this Credit Card Current as at: 10 April 2017 This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009. Description of Credit Card Product Name Bluey Visa Card Bluey Rewarder Visa Card Minimum credit limit $1,000 $1,000 Minimum repayments Greater of $25 or 2% of balance Greater of $25 or 2% of balance Interest on purchases 13.24% p.a.* 17.24% p.a.* Interest-free period Up to 55 days Up to 55 days Interest on cash advances 13.24% p.a.* 17.24% p.a.* Balance transfer interest rate 0.00% p.a.* for 6 months from the transfer date. 17.24% p.a.* Annual fee Nil $48 Late payment fee $8 $8 * Interest rates current as at the date of this document (10 April 2017) and are subject to change without notice. For current interest rates, please refer to our website qbank.com.au There may be circumstances in which you have to pay other fees. You can only be charged a fee for exceeding your credit limit if you separately agree to being charged that fee. A full list of current fees applicable to this credit card can be obtained from qbank.com.au/rates-fees For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting qbank.com.au or by contacting us on 13 77 28. CCA100417 5
Privacy Notice What Information Can Be Disclosed? The Privacy Act allows ( we, us, our ) and other applicable persons to disclose personal information about you when related to the primary purpose for which it was collected. To provide credit and other banking and financial services to you, personal information we may collect may include: details to identify you and verify your identity, such as your name and date of birth current and previous addresses your current and last known employer your driver licence number It may also include credit information, such as: the fact that you have applied for credit and the amount or that we are a current credit provider to you, or that you have agreed to be a guarantor advice that payments previously notified as unpaid are no longer overdue information about your current or terminated consumer credit accounts, repayment history and payments overdue for at least 60 days and for which collection action has started cheques for more than $100 drawn by you which have been dishonoured more than once in specified circumstances, that in our opinion you have committed a serious credit infringement the fact that credit provided to you by us has been paid or otherwise discharged other information about credit standing, worthiness, history or capacity that credit providers (as defined below) can disclose under the Privacy Act, including a credit report. Your sensitive information (e.g., membership of a professional or trade association) may also be disclosed where relevant to the purposes for collecting it. Who Can Give or Obtain Information? For the purpose of providing banking products and services and managing our business, we may give information to: our service providers, such as organisations which we use to verify your identity, payment systems operators, mailing houses and research consultants insurers and re-insurers, where insurance is provided in connection with our services superannuation funds, where superannuation services are provided to you debt collecting agencies, if you have not repaid a loan as required our professional advisors, such as accountants, lawyers and auditors state or territory authorities that give assistance to facilitate the provision of home loans to individuals other credit providers and their professional advisors your representative, e.g., lawyer, mortgage broker, financial advisor or attorney, as authorised by you government and regulatory authorities, if required or authorised by law. Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003. : 13 77 28 Fax: 3236 2194. Email: info@qbank.com.au Website: qbank.com.au ABN 79 087 651 036 AFSL No. 241413 In addition, we and the Credit Providers (as defined below) may: obtain a commercial and consumer credit report containing information about you from a credit reporting body exchange credit information about you with each other exchange credit information about you with any credit reporting body and any other provider of credit to you named in your credit application or a credit report from a credit reporting body Credit Provider can mean: us our related companies any introducer, dealer or broker referred to in a loan application any agent or contractor of ours assisting in processing a loan application other entities that may be involved in a securitisation arrangement which we use to fund your loan and any loan originator. Important Information About Credit Reporting Bodies If you apply for any kind of credit, we may disclose information to a credit reporting body. Specifically, we may disclose information to or collect information from Veda Advantage, whose privacy policy is at www.veda.com.au, and Experian Credit Services Australia, whose privacy policy is at www. experian.com.au. Credit pre-screening is a service for credit providers wishing to send direct marketing material about credit services. A credit reporting body uses information it holds to screen out individuals who do not meet criteria set by the credit provider. Credit reporting bodies must maintain a confidential list of individuals who have opted out of their information being used in pre-screening. To opt out of credit pre-screening, please contact the credit reporting body using the contact details on their websites. You can also ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. When Can Information Be Obtained, Used or Disclosed? Your personal information can be obtained, used or disclosed by the Credit Providers before, during or after the provision of our products and services to you, and for managing our business. When providing credit to you, this may include: assessing your application for consumer or commercial credit or to be a guarantor for the applicant, assessing your credit worthiness, managing your loan or the arrangements under which your loan is funded or collecting overdue payments allowing a credit reporting body to create credit information about you if you are in default under a credit agreement, notifying, and exchanging information with, other credit providers and collection agents. PN1116 Please turn over Page 1
Privacy Notice Overseas Disclosures We have taken measures to prevent the disclosure of your personal information overseas. However, if we do disclose this information outside Australia, we will do so on the basis that the information will be used only for the purposes set out in this document. Disclosure To Insurers and Guarantors Lenders Mortgage Insurers If we provide credit to you, a lenders mortgage insurer may obtain a consumer credit report about you from a Credit Provider or from a credit reporting body to assess whether to provide lenders mortgage insurance to us in relation to an application for consumer credit. Guarantors In connection with providing credit to you, the Credit Providers may give a guarantor, or a person who is considering becoming a guarantor, credit information about you for the purpose of enabling the guarantor to decide whether to act as guarantor or to keep informed about the guarantee. Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003. : 13 77 28 Fax: 3236 2194. Email: info@qbank.com.au Website: qbank.com.au ABN 79 087 651 036 AFSL No. 241413 Security, Privacy Policy, and Marketing Preferences Security We take all reasonable steps to ensure that your personal information held by us is protected from misuse, interference and loss, and from unauthorised access, disclosure or modification. Privacy Policy Our Privacy Policy, available at qbank.com.au, provides additional information about how we handle your personal information. It sets out how you can ask for access to personal information we hold about you and seek correction of that information. It also explains how you can complain about breach of the Privacy Act or the Privacy (Credit Reporting) Code, and how we will deal with your complaint. Marketing Preferences The Credit Providers may use, and share with each other, information about you to inform you about products and services (unless you ask us not to). The Credit Providers may do so even if you are on the Do Not Call Register (where you have provided us with your consent). Contact us Privacy Officer Our Privacy Officer s contact details are: : PO Box 13003, George Street, Queensland 4003 Telephone: 13 77 28 Email: privacy@qbank.com.au PN1116 2