2017-04-18 GC Agenda Att 3 to Item 5 Business Plan Cooroy Memorial Hall

                                                                                             4.2.2 Annexure 12
10. Mail, Telephone and Internet Orders

Mail Order and Telephone Order (MOTO) transactions occur in an environment where the cardholder is not present to sign the voucher for the
goods or services provided. It is your responsibility to ensure that the person placing an order is the authorised owner of the plastic card
(refer to clause 10(b), clause 13(d) third bullet point, clause 14, clause 17(f) and clause 17(y) of the Merchant Terms and Conditions.
In the event of a dispute the onus is on the Merchant to prove the goods and services were provided to the authorised cardhol der. Proving
this in many cases may not be possible and can result in the full value of the transaction being debited to your account, plus any dispute fee.
Obtaining an authorisation does not confirm that the rightful owner of the card has performed the transaction.
Bendigo Bank may therefore request additional information about your business to assess your MOTO requirements and suitability. This
facility is generally made available to Merchants who have a Bendigo Bank Merchant facility for a minimum of 6 months.



Product Delivery:               Regular Post          Certified Mail         Courier          Other:

Expected Delivery Time:        Same Day             1-2 days            Up to 7 days          Other:

Stock Management:              Goods on Hand          Order on Demand from Supplier           Other:


Will you accept overseas orders:                        Yes                       No

If yes, which countries will you NOT accept orders from:

How do you market your products:

Target Market:

What orders will you NOT accept:

Are your products covered by warranty:                  Yes                       No

How do you plan to minimise the risk of fraud to your business:




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(If you are unaware of preventative fraud measures, please discuss this with the Business Development Manager when completing this application.)
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11. Acknowledgements

1. Collection and use of your information
We, Bendigo and Adelaide Bank Limited, collect personal information and credit-related personal information about you for the purposes of assessing
your application for, and providing you with, a Merchant Facility and related services. Collection of some of this information is required by the Anti-
Money Laundering and Counter-Terrorism Financing Act 2006. If you provide incomplete or incorrect information we may be unable to provide you with
merchant facility services.
We may obtain from any person who is involved in any card scheme (e.g. AMEX, MasterCard, Visa), Credit Reporting Bodies (as d efined below),
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merchant alert agencies, and other credit providers and financial institutions, information about your merchant history, personal information, credit-
related personal information and commercial credit information including information relating to previous Merchant Facilities .
We may also use your personal information and credit-related personal information to perform our business functions (for example internal audit,
operational risk, product development and planning).

2. Collection of information about third parties
We may need to collect personal information and credit-related personal information about a third party from you as part of this application. If we do this,
you agree you will advise that person that we have collected their information, and that in most cases they can access and seek correction of the
information we hold about them.

3. Disclosure of your information
We treat your information as confidential and only disclose it to others where necessary. We usually disclose your personal information and credit
related personal information to organisations that carry out functions on the Bank’s behalf such as mailing and printing houses, electronic network
administrators, Credit Reporting Bodies, merchant alert agencies, information technology providers, terminal ins tallation and maintenance technicians
(including EFTPOS), intermediaries and other financial institutions that process your transactions. Your information may also be disclosed to our related
entities, our joint venture partners and Community Bank® companies where its confidentiality is maintained at all times.

We may disclose personal information, credit-related personal information, commercial credit information and information about your merchant history to
any person who is involved in any card scheme. This information can be disclosed for any purpose in relation to the operation of those schemes, and
where the law requires or permits the Bank to do so.
We may also disclose to any card scheme advice of the termination of the Merchant Agreement and the reasons for termination of the Agreement. You
acknowledge that the information concerning termination of the Agreement then becomes available to any member of the card sch emes. This
information may be used in assessing subsequent applications for merchant facilities.
We may also disclose your personal information, credit-related personal information, commercial credit information, and information about your
merchant history (including advice of a termination of a merchant agreement with us) to other credit providers, merchant alert agencies, Credit Reporting
Bodies, and government authorities.

4. Disclosure of your information to overseas organisations
Some of the organisations we disclose your personal information and credit-related personal information to may be located overseas. Where an
organisation is located overseas we will either take reasonable steps to ensure that it complies with Australian privacy laws or we will seek your consent
to the disclosure.
Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No. 237 879         3                                                                 OA187b (09/16)