Banking Service (continued) However, Banking Services the Code does not apply to include: • life or general insurance; • superannuation; • shares, bonds and other securities that we issue; and • financial products and financial services for the purposes of Chapter 7 of the Corporations Act, if you are a ‘wholesale client’ rather than a ‘retail client’. For the purpose of this test under the Code, we will substitute the definition of ‘small business’ in subsection 761G(7)(b) of the Corporations Act with the definition of ‘Small Business’ under the Code. Where a Banking Service that is a financial product or service under Chapter 7 is provided to a ‘Small Business’ under the Code, the Code will not apply where the Small Business is otherwise deemed a wholesale client under Chapter 7. BCCC Banking Code Compliance Committee. BCCC Charter means the charter of the BCCC as amended from time to time. BSB A digital address that identifies a financial institution and its particular administration centre, processing centre, branch or office. Business A customer is treated as a business if they apply for, or receive, a Banking Service for a purpose that is wholly or predominantly a trading or commercial purpose, and where the National Credit Code does not apply. Card Scheme Mastercard, Visa, eftpos, American Express, Union Pay or Diners Club. Code The 2025 Banking Code of Practice as published by the ABA, as amended from time to time. Commercial Asset Financing Asset finance provided by us to a Business. Commercial Asset Financing Guarantor A Guarantor that is a director, shareholder or manager of a company, that has provided a guarantee for the company’s Commercial Asset Financing. Complaint An expression of dissatisfaction made to or about us in relation to our products, services, staff or the handling of a Complaint, where a response or resolution is explicitly or implicitly expected or legally required, as per ASIC guidelines. Consumer Credit Insurance or CCI Insurance that provides cover if you can't meet the repayments on your Loan because you lose your job, you are sick or injured, or you die. Corporations Act Corporations Act 2001 (Cth). Days Calendar days, unless otherwise stated. Deceased Estate An estate includes all of a person's property, assets and liabilities. A deceased estate refers to all of the property, assets and liabilities belonging to the person when they died. Banking Code of Practice | 37
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