The Bank arranges Foreign Cash as agent for the issuer Travelex Limited ABN 3600 4179 953 AFSL 222444 (“Travelex”). The purchase of Foreign Cash attracts a fee of 1% or $10 (whichever is greater). The repurchase of Foreign Cash attracts a $10 fee. The Bank also has a revenue sharing arrangement with Travelex. The Bank receives 20% of the net profit made by Travelex in selling Foreign Cash via the Bank. Exchange rates are set by Travelex. Orders placed by you for Foreign Cash cannot be cancelled. If you do place a cancellation request, we may, at our absolute discretion, purchase some or all of the Foreign Cash from on behalf of Travelex. Please note that the repurchase of Foreign Cash may, because of fees and charges and possible movements in exchange rates, result in a loss to you. Travelex is required to collect your personal information under Anti Money-Laundering legislation. If you do not provide sufficient information, Travelex may not be able to provide you with the services you seek. Your personal information is handled in accordance with the privacy policies of the Bank (available on our website) and Travelex. The latter is available at www.travelex.com.au

1. Mobile App.  You should consider whether this service is appropriate for you before acquiring it. For additional information please refer to our Security Guide for electronic transactions and the Mobile App Terms of Use. Internet connection is needed to access the Mobile App. Normal mobile data charges apply. We test mobile banking to ensure compatibility with the majority of popular devices, but cannot guarantee compatibility with all devices and operating systems. The Mobile App is free to download, however your mobile network provider may charge you for accessing data on your phone. We recommend that you read the App Terms of Use and consider if this service is appropriate to you prior to making a decision to use the Mobile App. We test the Mobile App to ensure compatibility with the majority of popular devices, but cannot guarantee that it will be compatible with all devices and operating systems.