Scope of Agreement

Card Services Online is the online service provided by Card Services ("Service", "We", "Us") that helps you manage your finances by bringing you current financial information and news, giving you access to your accounts at Card Services and its affiliated companies, and providing free online account aggregation via the home page. For the purposes of this Agreement, Card Services refers to Citigroup Pty Limited.

The Service.

Card Services Online provides different types of services to different people, depending on the nature of their relationship with the Service and Card Services, as follows:

Card Services Online Registrant - A person, who selects a User ID and Password, registers at cardservicesdirect.com.au. A registrant may take advantage of the information and financial tools that are available on this web site. You may also subscribe to receive personalized messages periodically from Card Services with information and offers from the Card Services family of companies by e-mail. You may elect to discontinue receiving such materials at any time.

Card Services Client - After you have registered for the Service and accepted these terms you can view products on your 'Home' view on Card Services Online. A Card Services Online User ID and Password provides an extra layer of online security for Card Services consumers who bank online through Card Services Online (cardservices.com.au).

Tools and Content.

All content provided on this web site is for information purposes only and are not intended to provide investment, legal, tax, or accounting advice, nor are they intended to indicate the availability or applicability of any Card Services company, product or service to your unique circumstances. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources believed to be reliable, Card Services and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate advisor about your unique situation.

Privacy.

We respect your privacy. The complete terms of our Privacy Policy are incorporated into and made part of this agreement. You can view our Privacy Policy at cardservices.com.au.

Service Limitations.

We will try very hard to make your experience with us a productive one. However, because of the nature of communication over the internet, we cannot always foresee or anticipate technical or other difficulties. These difficulties may result in loss of data, personalization settings or other service interruptions. You agree that we are not responsible for the timeliness, deletion, mis-delivery or failure to store any user data, communications or personalization settings.

Service Changes and Discontinuation; Waiver of Liability.

We reserve the right to change or discontinue, temporarily or permanently, the Service at any time without notice. In order to maintain the security and integrity of the Service we may also suspend your access to the Service at any time without notice. You agree that we will not be liable to you or any third party for any modification or discontinuance of the Service.

Miscellaneous.

This agreement is personal to you and you may not assign it to anyone. All notices to you shall be in writing via e-mail at the address you have provided us. If any provision of these terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect.

Electronic Consent and Acceptance of Terms and Conditions

In order to enrol to use the Service, you must consent to receive and accept the terms and conditions of this Agreement, and any amendments to it, electronically. In the event any change to this Agreement requires prior notice to you, we will notify you by e-mail, at the public e-mail address you have provided, of the new or different terms and conditions or will provide you with a link within such e-mail where you may view the new or different terms and conditions on a web site. Any such notice will be deemed received when made available to you at the address you have provided. If you continue to use the Service after the effective date of such notice, your continued use of the Service constitutes acceptance of the changes and an agreement to be bound by these terms, as amended. If you do not agree to the changes, you agree to discontinue your use of the Service. You can review the most current version of these terms at any time at cardservices.com.au.

You may withdraw your consent to receive this information electronically by contacting us by telephone at 1300 135 538, however, by doing so you understand that you will terminate your right to use the Service. Withdrawing your consent in this manner will not prevent you from re-enrolling for the Service.

In order to use the Service and to view and retain a copy of the terms and conditions contained in this Agreement, you understand that you must have a computer equipped with at least: a browser with 128-bit encryption; and either a printer or a disk drive or other electronic storage device. You can also obtain a printed copy of this Agreement by calling 1300 135 538.