We may process transactions made through electronic equipment after 3pm on a business day or made on a day which is not a business day, under the date of the next business day.

We accept responsibility for the security of deposits lodged at our automatic teller machines. The amount of the deposit is subject to later verification by us. Our count of the funds deposited is regarded as conclusive evidence of the actual amount. If we differ on the amount of the deposit, we will tell you of the discrepancy as soon as possible.

We will take such reasonable precautions as may be necessary to ensure that information concerning your accounts transmitted by us through electronic equipment will remain confidential and protected from unauthorised access but we will not otherwise be liable for any unauthorised access by any means to that information.

We may cancel the use of an access method in electronic equipment or withhold an access method at anytime, without notice, if we believe the access method is being used in a way that may cause losses to you or us. We may vary the maximum or minimum amounts which you may withdraw from electronic equipment within any period of time.

If you ask us to make a payment or transfer through electronic equipment, in most cases it will be treated as having been made:

• on the same day, if you asked us to make payment or transfer before our payment or transfer cut-off time on a business day;
   
• on the next business day, if you asked us to make payment or transfer after our payment or transfer cut-off time or on a weekend or public or bank holiday.

You can also schedule a payment or transfer (NetBank only) - that is, you can advise us of a future date on which the payment is to be made. In those cases, the request is treated as having been made:

• on the day or days nominated by you for the payment or transfer to be made. If any such day is a weekend or public holiday, the payment or transfer will be treated as having been made on the next business day.

Once you have instructed us to make a scheduled payment or transfer, you can countermand this instruction in advance of the due date for payment or transfer. Any such countermand should be received before our payment or transfer cut-off time on the day the schedule is due, and must be made via your applicable access method. Otherwise, we will process the payment or transfer as originally instructed by you.

The current payment or transfer cut-off time for a transaction may be found in our electronic equipment information published by us from time to time.

You must be careful to tell us:

• the correct amount you wish to pay or transfer; and
   
• the correct account to which you wish to have the payment or transfer credited.

If you tell us to make a payment or transfer and after we have made that payment or transfer you discover that:

• the amount you told us to pay or transfer was greater than the amount you needed to pay or transfer, then you must contact the recipient to obtain a refund;
   
• you made a mistake in telling us to make a payment or transfer to a particular account, then you will not make any claim upon us but will contact the recipient to obtain a refund; or
   
• the amount you told us to pay or transfer was less than the amount you needed to pay or transfer, then you can make another payment or transfer to the recipient to make up the difference.

If you ask us to effect a transaction and it is possible to effect it using more than one payment or transfer channel we may choose which payment or transfer channel is to be utilised to effect that transaction.