Prepaid Cards Coles Online Mastercard Product Disclosure Statement Issued by: Indue Ltd Issue Date: July 2017 ABN 97 087 822 464, AFSL No. 320204 1 Coles Online Mastercard Product Disclosure Statement
Contents Part A Introduction 3 About this Product Disclosure Statement 3 How we are related 3 If you need to contact us 3 Queries and Complaints 4 Your Online Card is not a bank deposit 4 Your tax liability 4 Part B - Coles Online Mastercard Terms and Conditions 5 What you re agreeing to 5 How to get your Online Card 5 Activate your Online Card before you use it 5 Information about using your Online Card 5 How to use your Online Card 6 For how long can I use my Online Card? 6 When we may cancel or limit your Online Card 7 Limitations on the use of your Online Card 7 Returning goods to the merchant 7 Part C - information about privacy 11 Who s responsible for this notice? 11 What personal information do you collect? 11 Why do you collect, use and disclose personal information? 11 What happens if I don t provide you with my personal information? 11 How do you collect personal information about me? 11 Who do you share my personal information with? 11 Do you have a privacy policy? 12 Will you send my personal information overseas? 12 Can I opt out of receiving direct marketing? 12 Email Communication 12 Part D - Interpretation 13 Meanings of words 13 Interpreting this document 13 The parties to this PDS 13 Information on Fees 8 Using your Online Card for transactions processed outside Australia 8 What if my Card Details are compromised, or there is a transaction that I didn t authorise? 9 Prepaid Service Centre 9 Disputing transactions 10 Changes to this PDS 10 How we may vary and assign our rights under Part B of this PDS 10 How we communicate with you 10 Anti-Money Laundering, Counter-Terrorist Financing and Sanctions 10 Version 201705-01 2 Coles Online Mastercard Product Disclosure Statement
Part A Introduction About this Product Disclosure Statement This Product Disclosure Statement ( PDS ) contains important information about the Coles Online Mastercard (the Online Card ) and its associated benefits, risks and fees. It also includes the terms and conditions that govern the use of your Online Card. The PDS is provided as a requirement pursuant to the Corporations Act 2001 (Cth) and is issued by Indue Ltd ABN 97 087 822 464 ( Indue ) ( we, us, our ). You should read this PDS carefully. By purchasing an Online Card, you agree to the terms and conditions in this PDS. This includes you agreeing to be liable for the transactions made using your Online Card (except as stated otherwise in this PDS). The information in this PDS does not take into account your individual objectives, financial situation or needs. We suggest that you seek advice if you do not understand any of the information in this PDS and how it applies to you. This PDS is dated 18 July 2017. The information in this PDS is current as of this date. Who we are Indue: Indue is the issuer of the Online Card. Indue is an authorised deposit-taking institution and a member of Mastercard. Indue holds an Australian Financial Services Licence ( AFSL ), number 320204. Coles: Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 (Authorised Representative number 269259) and Eureka Operations Pty Ltd ABN 78 104 811 216 (Authorised Representative number 269267) (referred to individually and collectively as Coles ) are authorised representatives of Indue. Coles Financial Services is a registered trademark of Coles Group Limited. Coles is responsible for promoting and selling the Online Card to you. Coles performs this activity as an agent on behalf of Indue. Coles is authorised by Indue to provide general advice in relation to the Online Cards and to arrange for the Online Cards to be issued to retail customers such as you. By agreeing to the terms and conditions in this PDS, you are entering into a contract with Indue and not with Coles or any member of Coles. Coles receives commission for each Online Card it sells on behalf of Indue. For more information, see the Coles Financial Services Guide available at colesprepaidcards.com.au. How we are related Indue and Coles are not related companies. The Coles entities are all part of the Wesfarmers group of companies. We re not aware of any material conflicts of interest that would affect this product or the service you receive from us or Coles. If you need to contact us Our online Prepaid Service Centre at colesprepaidcards.com.au can provide you with all the support you need for your Online Card. Log in to the Prepaid Service Centre at any time, free of charge. For help with your Online Card, you can also contact the Customer Support Centre by phone or email: Telephone: 1300 095 072 Email: prepaidcards@coles.com.au The Customer Support Centre operates Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00 am to 1.00pm. The Customer Support Centre does not operate on National Public Holidays or Sundays. A fee may apply if you call our Customer Support Centre. See Information on Fees below. Coles Online Mastercard Product Disclosure Statement 3
Queries and Complaints If you have a query, complaint or dispute please contact the Customer Support Centre. We ll investigate your complaint. If we resolve your complaint within 5 Business Days and it is in your favour, we ll let you know and we may do this simply by phoning you. You may request a written response. If we can t resolve your complaint within this timeframe, we ll write to you (by email or letter) and let you know how we ll investigate it further. We may require further details. Within 21 days of receiving your complaint or further details from you, we ll write to you to let you know: the outcome of our investigation; or that we need extra time (not more than an extra 24 days) to complete our investigation. In exceptional circumstances, we may need more than 45 days to investigate a complaint. For example, if there are delays caused by other financial institutions or merchants involved in resolving a complaint. If we ve investigated your complaint and you re not satisfied with the outcome, you have the right to contact the Credit and Investments Ombudsman at: PO Box A252 Sydney South NSW 1235 www.cio.org.au Telephone: 1800 138 422 or 02 9273 8400 Fax: 02 9273 8440 Please note: The Ombudsman will not review your complaint unless you ve first contacted us and we ve investigated it. We and Coles are not responsible for resolving a dispute regarding the goods or services purchased with your Online Card. In the first instance, you should contact the merchant directly. Your Online Card is not a bank deposit We hold funds that are stored on your Online Card in various accounts that we own and control. We earn interest on funds held in these accounts and may share that interest with Coles. You ll not earn any interest or generate revenue on any value that is stored on your Online Card. The Financial Claims Scheme ( FCS ) is a scheme administered by the Australian Prudential Regulation Authority ( APRA ) to protect depositors from potential loss due to the failure of institutions. It provides depositors with a guaranteed protection, up to a cap. As at the date of this PDS, the FCS applies to deposits only. If Indue fails: any value held on your Online Card will not be protected by the FCS; and you may lose all or part of the remaining value of your Online Card. For more information on the FCS, refer to: http://www.apra.gov.au/crossindustry/fcs/pages/ default.aspx. Your tax liability Because we have not taken into account your individual circumstances or needs, you should get your own independent tax advice in relation to the impact your use of the Online Card may have on your personal tax liability. Fees apply in relation to your Online Card. For details on fees, please see Information on Fees below. 4 Coles Online Mastercard Product Disclosure Statement
Part B - Coles Online Mastercard Terms and Conditions What you re agreeing to This PDS governs the purchase, activation and use of your Online Card. By purchasing or receiving an Online Card, you agree to: the terms and conditions contained in this PDS; be liable for the transactions made using the Online Card, unless stated otherwise in this PDS; and being provided with an electronic copy of this PDS as part of purchasing the Online Card or receiving the Online Card as a gift. If you purchase an Online Card as a gift for someone else, you agree to tell the gift recipient that by accepting the Online Card, they will be accepting the terms and conditions contained in this PDS. Activate your Online Card before you use it To activate your Online Card, visit the Prepaid Service Centre at colesprepaidcards.com.au and follow the prompts. You ll need the details we sent to your email at the time you purchased your Online Card, or at the time when the Online Card was given to you as a gift. Once you complete the online activation process, you ll be able to use your Card ID and Access Code to login to the Prepaid Service Centre and view the Card Details associated with your Online Card. Information about using your Online Card You can use your Online Card to buy goods and services from merchants who accept Mastercard payments over the internet or over the phone. If you need a hard copy of this PDS, please contact the Customer Support Centre. Tips to help you when reading this PDS Words that are capitalised in this PDS are defined in Part D. References to amounts are in Australian dollars, unless otherwise stated. References to days or times are references to Australian Eastern Standard Time. How to get your Online Card This card is no longer for purchase. Coles Online Mastercard Product Disclosure Statement 5
How to use your Online Card There is no physical device (such as a plastic card) associated with your Online Card. You may use the Card Details associated with your Online Card to make transactions over the internet or over the phone. Because there s no physical device associated with your Online Card, you can t use it to make purchases at point-of-sale terminals or to withdraw cash at ATMs or point-of-sale terminals. To make a transaction with the Online Card, you need to use the Card Details associated with your Online Card. A merchant will usually ask you for the relevant card number, Expiry Date and CVV. These Card Details are available to you when you are logged into the Prepaid Service Centre, after you ve activated your Online Card. Note that the card number is different to the Card ID, which you need in order to activate your Online Card in the Prepaid Service Centre. When a transaction takes place using your Card Details, we ll deduct the amount of the transaction from the remaining value on your Online Card. You can use your Online Card to make purchases only up to the Online Card value. If you attempt a transaction that exceeds the value remaining on the Online Card, that transaction will be declined. You don t need to use the whole Online Card value in one transaction. The value available to you by using the Online Card is the initial value of the Online Card at the time you purchased it (not including the Online Card Purchase Fee) less any amounts deducted for purchase transactions, fees and charges and any other deductions made in accordance with this PDS. For how long can I use my Online Card? You can use the Online Card as many times as you like, as long as: you have sufficient value to cover any payment you wish to make; the Expiry Date has not been reached; and your Online Card has not been suspended or cancelled. The Expiry Date is the date that is available to you when you are logged into the Prepaid Service Centre. Your Online Card will expire on the Expiry Date. On the Expiry Date, you ll: no longer be able to use the Card Details to make any purchases; and forfeit any value that remains on your Online Card. Any value remaining on the Expiry Date will not be refunded to you. You cannot reload or add any further monetary value to your Online Card after you have purchased it. You cannot stop a transaction after it has been completed. When you use your Online Card, it enables you to access only the value remaining on your Online Card. 6 Coles Online Mastercard Product Disclosure Statement
When we may cancel or limit your Online Card We may cancel or restrict your Online Card at any time. If we do this, we ll notify you by email through the email address you nominated at the time of purchase. We may, in our discretion, cancel or temporarily suspend your Online Card for security reasons and to protect value on your Online Card. We may do this if: your Card Details have been, or we reasonably suspect have been, compromised; you have caused your Card Details to be compromised; you breach a law or a condition of this PDS and we reasonably believe the breach is of a serious nature; or we reasonably believe that your use of the Online Card may cause us to breach a law. If we cancel or suspend your Online Card, we may, in our sole discretion, refund any remaining value to you. Limitations on the use of your Online Card You must not attempt to use your Card Details to make direct debit or recurring or regular installment payments. If you attempt to use your Card Details in this way, we may suspend or cancel your Online Card and you ll forfeit any remaining value on your Online Card. You must not use your Online Card for illegal purposes, including the purchase of goods or services deemed illegal by any Australian law or the law of any other location where you use your Card or where the relevant goods or services for purchase are provided. We may limit the types of transactions that you can perform using your Online Card. We will maintain a list of these types of transactions (the Prohibited Transactions List) on the website https:// financialservices.coles.com.au/prepaid-cards/ important-information. We may at any time add or remove categories of transactions from the Prohibited Transactions List, so it is important for you to regularly review this list to ensure a transaction you wish to make is not within the prohibited categories. At the date of this PDS, the Prohibited Transactions List includes transactions relating to any form of gambling or gambling services, the purchase of money orders, transactions with financial institutions, transactions with any form of money transfer services, or transaction which may result in the ability to access cash. Sometimes, there may be circumstances beyond the control of Indue or Coles that prevent a transaction being processed. For example, a transaction may not process if there is a problem with the internet gateway to which the merchant s payment facility connects. Returning goods to the merchant You may be entitled to refunds for purchases made using your Online Card. This may involve a credit back onto the value of the Online Card, depending on a merchant s policy. Some merchants may refuse to accept the Online Card. Indue and Coles accept no responsibility if a merchant does not accept your Online Card. Merchants may also impose a fee or surcharge for using their payment facilities. These type of fees fall outside our control. Coles Online Mastercard Product Disclosure Statement 7
Information on Fees Fees and charges apply to the use of your Online Card. The following standard fees apply. You agree that, unless otherwise specified, we may deduct these fees from the value of your Online Card, as described below. If you think we have incorrectly applied a fee or charge, please contact the Customer Support Centre. We ll reverse any incorrectly applied fee or charge. We may choose to waive or reduce any of these fees. Using your Online Card for transactions processed outside Australia If you authorise a transaction that is processed overseas or in a currency other than Australian dollars, Mastercard will convert the value of that transaction into Australian dollars. To convert the transaction into Australian dollars, Mastercard will either: convert the value of the transaction directly into Australian dollars; or first convert the currency in which the transaction was made into US dollars and then convert that value to Australian dollars. Part of Mastercard s currency conversion procedure includes using: a wholesale exchange rate; or a government-mandated exchange rate. These rates are selected by Mastercard on the date the relevant transaction is processed. This may differ from the rate which applied on the date you made the transaction or the date we posted the transaction to your transaction history. A Currency Conversion Fee will apply (see Information on Fees above). Mastercard may also do this even if the transaction amount was quoted to you in Australian dollars. This can happen, for example, if the online price quoted by a merchant operating overseas is in Australian dollars, but the transaction is processed by the merchant in the merchant s local currency. FEE DESCRIPTION Call Centre Fee: payable when you call the Customer Support Centre and speak to a consultant to make a request or obtain information that is available to you by logging in to the Prepaid Service Centre. This fee may also apply if we call you because you request us to call you so that you can speak to a consultant to make a request or obtain information that is available to you by logging in to the Prepaid Service Centre. Balance Check Fee: payable when you call the Customer Support Centre and use our automated telephone service to obtain your Online Card balance. Tip: you can obtain your Online Card balance and transaction history free of charge by logging into the Prepaid Service Centre. Currency Conversion Fee: payable and deducted from the value of your Online Card at the same time you make a transaction using the Card Details associated with your Online Card in a currency other than Australian dollars, or you make a transaction using those Card Details in any currency (including AUD) that is processed by a card scheme or billed by the merchant outside of Australia. FEE AMOUNT $4.00 per call $0.50 per call 3% of the total amount of each relevant transaction. 1% of the total amount of each such transaction is payable to Mastercard as a currency conversion charge and the remaining 2% of the total amount of each such transaction is an administration fee payable to us. All fees are inclusive of any GST 8 Coles Online Mastercard Product Disclosure Statement
What if my Card Details are compromised, or there is a transaction that I didn t authorise? Ensure you keep your Card Details secure. Anyone who knows your Card Details can use the value available on your Online Card to make purchases. You are responsible for all transactions made using your Online Card. We are not responsible for any unauthorised or fraudulent transactions, which may occur by the use of your Card Details. We will not refund you the value of any unauthorised or fraudulent transactions that may occur. To help maintain the security of your Card Details: don t access the Prepaid Service Centre or any other website via a link embedded in an email. Always access a website directly from your internet browser; don t tell anyone else, including any family member or friend, your login details (Card ID and Access Code) for the Prepaid Service Centre or your Card Details or provide them with access to your email; don t print or write down your Card Details; always log out of the Prepaid Service Centre once you have finished using it and whenever you are away from your computer, tablet or mobile device; don t login to the Prepaid Service Centre from a public internet connection, for example at an airport or internet café; check your transaction history regularly (available when you are logged into the Prepaid Service Centre) to identify and report, as soon as possible, any instances of unauthorised use; and maintain up-to-date anti-virus software and a firewall on your devices from which you access the Prepaid Service Centre and your devices from which you access your email. If you think your Card Details are known to someone else or are otherwise compromised, we will not provide you with a refund or replace your Card Details. If you suspect an unauthorised transaction, immediately report this by calling the Customer Contact Centre on 1300 095 072. We may be able to investigate a disputed transaction on your behalf. Please refer to Disputing Transactions below. We may (at our discretion) provide you with new Card Details if there was a fault with your original Card Details. If we do this, the new Card Details will provide you with access to an Online Card with the same value as the amount that was remaining on your original Online Card at the time we provided you with the new Card Details. Prepaid Service Centre The Prepaid Service Centre is an online self service centre that allows you to check your transaction history, your remaining balance, and manage how you use your Online Card. The Prepaid Service Centre is free to use. It s available 24 hours a day, 7 days a week (other than for occasional site maintenance) and you can use it from wherever you have access to the internet. For information about the Prepaid Service Centre, go to colesprepaidcards.com.au. The Prepaid Service Centre is governed by terms and conditions which are available at that site. You agree to these terms and conditions when you first register to use the Prepaid Service Centre. Coles Online Mastercard Product Disclosure Statement 9
Disputing transactions We have the ability in certain circumstances to investigate disputed transactions which occur on your Online Card and attempt to obtain a refund for you. In accordance with the Mastercard scheme rules, our ability to investigate a disputed transaction on your behalf is limited to the time frames imposed pursuant to those rules. The maximum timeframes vary between 75 days and 120 days from the time of the transaction so it is important that you notify us as soon as you become aware of a disputed transaction. Changes to this PDS The information in this PDS is current as at the date stated at the beginning of this document. We may change, add to or delete the terms and conditions in this PDS at any time. If we make a change that involves an increase in our fees, or if we make another change that may be to your disadvantage, we ll provide you with at least 30 days prior notice of the change or variation. You consent to us notifying you by email for this purpose. If we make a change to this PDS, we ll update the PDS by amending the version of this PDS that is available at psc.colesprepaidcards.com.au/productinformation. The PDS available via that website will be the latest version and will be at no cost to view. You may request a paper copy of the latest version of the PDS from the Customer Support Centre. If you wish to cancel your Online Card as a result of any change or variation we make to this PDS, you must contact the Customer Support Centre to cancel your Online Card. How we may vary and assign our rights under Part B of this PDS You may not assign your rights under this PDS to any other person. We may assign our rights or transfer the PDS to a related third party, or an unrelated third party with dispute resolution procedures that are similar to ours or more favourable to you. If we do that, the terms and conditions in this PDS will apply to the transferee or assignee as if it were named as Indue. How we communicate with you You agree that Indue or Coles may contact you by writing to you at your email address. A communication sent by Coles or Indue to you by email is taken to have been received on the day it was transmitted. A communication sent by Coles or Indue via post is considered to have been received as at when it would be delivered in the ordinary course of the post. Anti-Money Laundering, Counter-Terrorist Financing and Sanctions You acknowledge and agree that: where required, you ll give us all information we reasonably request so that we can comply with our obligations under AML Legislation; our participation in the Mastercard scheme rules may mean that the laws of other countries may apply; we may disclose information about you to regulatory and/or law enforcement agencies as required under relevant laws; we may cancel or restrict your access to your Online Card if we become aware of any suspicious activity; we may block, delay, freeze or refuse any transactions if we, in our sole opinion, have reasonable grounds to believe the relevant transactions are fraudulent, in breach of AML Legislation or any other relevant law; if we block, delay, freeze or refuse, any transactions we are not liable to you for any loss suffered by you or any third party arising directly or indirectly as a result of us taking this action; and we may monitor transactions you make with your Online Card under the obligations we may have under AML Legislation. We may block your ability to use your Online Card in certain countries, such as countries that are on the United Nations Security Council Sanctions List. If we assign this PDS, we ll provide you with notice and you ll have the right to cancel your Online Card. 10 Coles Online Mastercard Product Disclosure Statement
Part C - information about privacy Who s responsible for this notice? This is a joint Privacy Notice provided to you by: Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 (Coles) and its associated entities (together the Coles companies ); and Indue Ltd ABN 97 087 822 464 ( Indue ), the issuer of Coles Prepaid Cards. It contains important information about the collection, use and disclosure of personal information by the Coles companies and Indue. In this Part C, where personal information is collected, used and disclosed for the same purposes by both companies, the words we or us are used. Where personal information is treated differently, the organisation is identified separately. Coles has a contractual arrangement with Indue to issue the Coles Prepaid Cards (the cards ) to eligible customers. What personal information do you collect? We collect information: you provide to us; about your card, including how you use your card and your card transactions; held by service providers in relation to the operation of your card account; and that you may provide us when you need our assistance. Why do you collect, use and disclose personal information? Indue collects, uses and discloses your personal information: to verify your identity and the information you have provided to us, where necessary; to assess your request for a card or any upgrade and, if approved, to establish and then administer your card; for internal management purposes and to perform administrative tasks and manage business operations related to your card and resolving disputes in relation to your card; for planning, product and service development, and research purposes; for fraud and crime prevention and investigation; and to comply with laws that may require or authorise Indue to obtain information about you, such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and other related legislation. Coles companies collect, use and disclose your personal information to provide, administer, improve and personalise Coles companies products and services. This includes: promoting and providing benefits associated with your card; managing promotions and conducting product and marketing research; communicating with you (including direct marketing); maintaining and updating our records; improving our understanding of your interests, suitability and behaviour in relation to products, services and offers and your eligibility for special offers; and working with service providers and other companies in the Wesfarmers group for the purposes described above. What happens if I don t provide you with my personal information? If you don t provide us with your personal information, we may not be able to provide our products or services to you. For example, we may not be able to process your request for a card or the benefits associated with it. How do you collect personal information about me? We usually collect personal information about you directly from you whenever possible. We may also collect personal information about you from each other and third parties where it s unreasonable or impracticable for us to collect it directly from you. This may include government bodies or other financial institutions. Who do you share my personal information with? To make it easy for you to interact with us and to ensure we re able to provide you with a more personal consistent experience, we may exchange personal information as set out below for the purposes described in this Privacy Notice. Coles Online Mastercard Product Disclosure Statement 11
Indue may share your personal information with: Coles companies; service providers including call centres, mailing houses, researchers, professional advisers, and organisations providing services; credit reporting bodies or other businesses, organisations or government bodies that provide personal information for identity verification purposes; other financial institutions and government bodies; card schemes such as Mastercard; organisations through whom you choose to make top-ups to your Online Card; providers of services related to the Online Card such as card manufacturers; organisations wishing to acquire an interest in any part of Indue s business for assessing or implementing any such acquisition; and other organisations as required or authorised by law, for example, to government or regulatory bodies. Coles companies may share your personal information with: each other for the purposes set out in this Privacy Notice; Indue; business partners from time to time for analysis and research purposes and in the development of products, services and promotional offers; service providers including call centres, mailing and printing houses, researchers, professional advisers; and other organisations as required or authorised by law, for example, to government or regulatory bodies. Do you have a privacy policy? To find out more about how we manage your personal information, you can access the privacy policies of Coles and Indue at https://psc.colesprepaidcards.com. au/privacy. The privacy policies contain information about how you can raise a concern in relation to your privacy and how we ll deal with such a concern. They also contain information about how you can access the personal information we hold about you and how you can ask us to correct that information. Will you send my personal information overseas? In some circumstances, Indue may disclose your personal information to service providers located overseas. Where such disclosures occur, arrangements will be put in place to protect your personal information. It is not practicable to list every country in which such recipients are located but it is likely that the countries to which Indue may disclose your information include the United Kingdom and the Netherlands. Service providers to whom Coles discloses personal information may be located in Australia and other countries including Ireland, Hong Kong, Singapore, and the United States of America. Indue and Coles take steps to ensure that their service providers are obliged to protect the privacy and security of your personal information and use it only for the purpose for which it is disclosed. Can I opt out of receiving direct marketing? Coles may provide marketing communications and targeted advertising to you on an ongoing basis by telephone, electronic messages (eg. email), our digital services and other means. These communications may relate to the products and services we, including other Wesfarmers group companies, provide and other products which may be of interest to you. Unless you tell us that you no longer wish to receive these communications, the consent you give us by accepting this Privacy Notice applies for an indefinite period of time. If you do not want to receive direct marketing information from Coles, please contact the Customer Support Centre. Email Communication If you provide Indue with an email address, you consent to electronic communications being sent to you via that email address, including notices and reminders. To protect your privacy, we recommend that any email address you provide to us be your personal email address rather than, for example, an email address accessible by your work colleagues or family members. 12 Coles Online Mastercard Product Disclosure Statement
Part D - Interpretation Meanings of words In this PDS, unless otherwise indicated: Access Code means the code we provide to you when you first log in to the Prepaid Service Centre. The Access Code is necessary for you to activate your Online Card and continue to access the Prepaid Service Centre to view details in relation to your Online Card. AML Legislation means the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) and its associated rules, regulatory guides and regulations. ATM means an automatic teller machine. Business Day means a day that banking institutions are open in Brisbane, excluding Saturday, Sunday and public and bank holidays. Card Details means the information (including a card number, CVV and expiry date) that we make available to you via the Prepaid Service Centre and which is associated with your specific Online Card that enables a transaction to be completed. Card ID means a number associated with your Online Card, but which is different to the card number. We provide you with the Card ID when you first purchase your Online Card and it is necessary to enable you to access the Prepaid Service Centre. Coles means individually or collectively, Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 and Eureka Operations Pty Ltd ABN 78 104 811 216. Coles Prepaid Card means any prepaid card product in the Coles suite of prepaid cards. At the date of this PDS, these include the Coles Online Mastercard (described in this PDS), the Coles Gift Mastercard and the Coles Reloadable Mastercard. Customer Support Centre means the support services available to address your Online Card queries or to provide any other assistance to you. Details for the Customer Support Centre are found in Part A of this PDS. CVV means the 3-digit card security code (or Card Verification Value ) associated with your Online Card. Expiry Date means the expiry date associated with your Online Card and which we provide to you via email. Mastercard means Mastercard International Incorporated. Negative Balance means that the value of your Online Card is negative (less than $0.00) rather than positive ($0.00 or greater). Online Card means the Coles Online Mastercard card issued by Indue to you and described in this PDS. Prepaid Service Centre means the website located at colesprepaidcards.com.au where you may login to access information about your Online Card and manage your Online Card. We, us, our means Indue, unless otherwise specified in this PDS. You, your means the person to whom the Online Card is issued, being the person who purchased the Online Card or the person who received the Online Card as a gift. Interpreting this document In this document: one gender includes the other; the singular includes the plural and the plural includes the singular; a party named in this PDS includes the party s executors, administrators, successors and permitted assigns; including and similar expressions are not words of limitation; where a word or expression is given a particular meaning, other parts of speech and grammatical forms of that word or expression have a corresponding meaning; headings and any table of contents or index are for convenience only and do not form part of this Agreement or affect its interpretation; if an act must be done on a specified day which is not a Business Day, it must be done on the next business day. The parties to this PDS If a party consists of more than 1 person, the terms and conditions in this PDS bind each of them separately and 2 or more of them jointly and severally. An obligation, representation or warranty in favour of more than 1 person is for the benefit of them separately and jointly. We may use service providers or agents to perform any function described in this PDS and to exercise any of our rights. The Mastercard Brand Mark is a registered trademark of Mastercard International Incorporated. 13 Coles Online Mastercard Product Disclosure Statement