CHANNELS SERVICE SCHEDULE

1.

APPLICATION

1.1	This document constitutes a Service Schedule
as referred to in the Conditions. The provisionsof this Service Schedule apply where the Bank
provides the applicable Service to the Customer.
1.2	This Service Schedule supplements theConditions. Unless defined in this Service
Schedule, capitalised terms used in this Service
Schedule have the meanings given to them inthe Definitions Schedule.
2.

HOST-TO-HOST SERVICE

2.1	In the circumstances where the Customer ispermitted to send an Instruction via Host-to-Host
without the need for a Credential, the Customeragrees it will not send any such Instruction inrelation to an Account until it has been internallyapproved by the relevant Authorised Person
appointed to use and operate that Account.
3.

SWIFT MESSAGING SERVICE
In connection with any SWIFT Messaging Service:

3.1	the Customer shall only send SWIFT Messages tothe Bank in the format agreed with the Bank;
3.2	the Customer agrees that the Bank may forward
the SWIFT Message it receives to the relevant Bank
Group Member for processing;
3.3	the Customer shall exercise reasonable skill and carein the use of the SWIFT Messaging Services;
3.4	the Customer shall monitor its use of the SWIFTMessaging Services;
3.5	the Customer shall not use the SWIFT Messaging
Services to send a SWIFT Message prohibited byapplicable Law;

3.9	the Customer (i) shall at all times comply with
the Bank’s requirements as set out in the User
Guides, and such reasonable instructions andrecommendations as the Bank provides to theCustomer from time to time in relation to the use ofthe SWIFT Messaging Services; and (ii) confirms thatit has assessed the security arrangements relating
to its access to and use of the SWIFT Messaging
Services and concluded that they are adequate toprotect its interests;
3.10	the Customer shall immediately notify the Bank
if it becomes aware of or suspects any breach orcompromise of the security of the SWIFT Messaging
Services providing full details of the breach orcompromise, including but not limited to theidentity of any person responsible for the breach orcompromise;
3 .11	the Customer shall (save to the extent prohibitedby any applicable Law or regulatory obligation,
contractual obligation or confidentialityundertaking):(a)	fully and promptly co-operate with any reasonable
steps taken by the Bank to investigate and/or rectify
any apparent or suspected breach or compromiseof the security of the SWIFT Messaging Services
which is reported under clause 3.10 or otherwise
comes to the attention of the Bank, including
providing such further information regarding theapparent breach or compromise as the Bank may
reasonably request; and(b)	promptly provide the Bank with such information
as it reasonably requests in writing to assist theBank in the performance of its obligations underany SWIFT Agreement, provided always that theCustomer shall pay all costs of and incidental to theinvestigation, rectification and performance under
this clause 3.11.

3.6	(except to the extent expressly agreed by the Bank)
the Customer shall only use the SWIFT Messaging
Services for its own confidential internal use and, inparticular, the Customer will not (i) grant any third
party access to the SWIFT Messaging Services; (ii)
use the SWIFT Messaging Services on behalf of, orfor the benefit of, any third party;

3.12	the Customer shall ensure that any Instruction
included in any SWIFT Message sent to the Bank
fully and accurately reflects the advice, request,
Instruction or communication intended to beprovided to the Bank by the Customer;

3.7	the Customer warrants and represents that it is andwill throughout the term of the Agreement remain
an Authorised SWIFT User;(a)	the Bank, to treat as accurate, authentic andproperly authorised, rely upon and implement anyInstruction in a SWIFT Message received by the Bank
which originates (or appears to originate) from theCustomer; and3.8	the Customer shall, as an Authorised SWIFT User,
comply with all requirements relating to the SWIFT
Messaging Services, including security requirements
and requirements relating to SWIFT Messages
set out in the SWIFT Agreement and the SWIFT
Documentation;

3.13

the Customer authorises:3.17	the Customer acknowledges that the provision of
the SWIFT Services is reliant on the availability of
the SWIFT Messaging Services provided by SWIFT.
Without prejudice to the Bank’s rights to suspend
or any other rights under the Agreement, the Bank
may suspend the Customer’s use of the SWIFT
Services if:(b)	the Bank to process each such Instruction, provided
that, subject to clause 3.14, the Bank takes such
steps as are mandated at the time by the SWIFT
Documentation with a view to establishing that theSWIFT Message has been sent by the Customer; andthe Customer acknowledges (and, where relevant,shall ensure that each other Authorised SWIFT User
acknowledges) that the Bank is not obliged to verify
such authorisation, authenticity or integrity, savein the case of manifest error or where the Bank has
actual knowledge of the fraud;(a)	SWIFT suspends or changes its services andproducts in accordance with the SWIFT
Documentation;(b)	suspension is necessary for the purpose of (routineor emergency) maintenance; or3.14	in determining the steps to be taken with a view toestablishing that a SWIFT Message has been sent bythe Customer:(c)	for security or technical reasons use of the SWIFT
Messaging Service is impossible or cannot beachieved without unreasonable cost to either party;(a)	no regard shall be had to any steps, or any
information provided with the SWIFT Message,
which go beyond what is mandated at the timeby the SWIFT Documentation and User Guides, asapplicable, with a view to identifying the Customer
as the sender of the SWIFT Message; and3.18	without prejudice to the Bank’s rights to terminate
or any other rights under the Agreement, the Bank
may immediately and without notice terminate theCustomer’s use of the SWIFT Services if:(b)	the Bank is not required to make any subjective
judgement as to the appropriateness of the SWIFT
Message or any accompanying signature or
certificate or otherwise;(a)	the Customer is no longer an Authorised SWIFT
User, subject to any grace period for migration
under the SWIFT Documents expiring;(b)	SWIFT has ceased to provide, and not resumed
providing the SWIFT Messaging Services under theSWIFT Documentation; or3.15	without prejudice to clauses 3.12 and 3.14 above,
the Bank is not obliged to act on an Instruction,or to treat an Instruction as accurate, authentic orauthorised, if:(c)	SWIFT, in exercise of its rights under the SWIFT
Documentation has required either the Customer orthe Bank to terminate the SWIFT Services; and(a)	the SWIFT Message through which that Instruction
is provided does not meet the requirements of
the SWIFT Documentation or the User Guides orotherwise appears not to have been prepared or
sent in accordance with this Service Schedule;

3.19	in respect of the MACUG Service, the Customer
acknowledges and agrees:(a)	the Bank may request SWIFT to withdraw theCustomer or another Authorised SWIFT User from
the MACUG Service or terminate the MACUG
Service; and(b)	the Bank considers that the forwarding or executionof that Instruction may place the Bank in breach ofany applicable Law, Sanction or requirement of any
competent Authority; or(b)	the Customer may terminate the Customer’s use of
the MACUG Service on notice in accordance with
the SWIFT Documentation(c)	the Bank reasonably suspects that the SWIFT
Message in which that Instruction was received by
the Bank may not (i) fully and accurately reflect anadvice, request, Instruction or communication that
the Customer or relevant Authorised SWIFT User
intended to give to the Bank; or (ii) have been givenin accordance with the Customer’s authorisation
procedures.

4.

MOBILE APPS

4.1	In connection with any Mobile Apps the Customer:(a)	and the Customer’s Authorised Persons may
incur data and/or other telecommunications
usage charges from an internet and/ortelecommunications service provider (“DataCharges”) for downloading, streaming or using
any content accessed via a Mobile Device inrespect of a Bank App. The Bank is not responsible
for any Data Charges incurred by the Customer
or the Customer’s Authorised Persons inconnection with the use of a Bank App. TheCustomer must check the Customer’s internet or
telecommunications service provider for the DataCharges that may apply;	Save to the extent prevented by applicable Law, theBank shall notify the Customer without undue delay
if, under this clause 3.15, it does not forward or act
on an Instruction;
3.16	in respect of the MACUG Services, the Bank will
perform its obligations in accordance with theSWIFT Documentation. The Bank has the right, in its
sole discretion, to determine the SWIFT Messaging
Services available through the MACUG Service, setrules, service parameters and eligibility criteria forthe MACUG Service;24.5	The Customer acknowledges that theAgreements are between the Bank and theCustomer, and not the Bank App Distributor. TheCustomer is given a non-transferable licence touse a Bank App on the Customer’s Mobile Devicein accordance with this Agreement and theBank App Distributor rules (if any) which can befound in the application store of the Bank App
Distributor’s terms of service.

(b)	acknowledges that data downloads and Bank
App performance will vary depending on thedata plan with the relevant internet and/or
telecommunications service provider;(c)	consents to the Customer’s Authorised Person
activating “push notifications” on the Bank App
and for the Bank to send “push notifications” to theCustomer’s Authorised Person; and(d)	consents to the Customer’s Authorised Person
accessing their address book on their Mobile Device
within the Bank App. The Customer must notify theCustomer’s Authorised Person that by consenting
to access their address book on their Mobile Device
within the Bank App, the Bank has been given
authority to access their address book and for theBank App to use the data in their address book toinitiate phone calls.

4.6	Subject to this Agreement, the Bank is solelyresponsible for the Bank App and the Bank App
Distributor is not responsible for the Bank App in
any way. To the maximum extent permitted byLaw, the Bank App Distributor has no warranty
obligations whatsoever with respect to the Bank
App. The Customer agrees that the Bank, and not
the Bank App Distributor, is responsible for:(a)	addressing any claims by the Customer or athird party in relation to the use of the Bank App,including but not limited to product liability
claims, claims that the Bank App fails to conformto legal or regulatory requirements or consumer
protection claims;

4.2	The Customer acknowledges and agrees, for usage
and security reasons:(a)	each Bank App session will expire after a certain
time of inactivity and the Customer’s Authorised
Person will be logged out;(b)	investigating any claim that the Bank App
breaches third party intellectual property rights,
and for defending, settling or discharging suchclaim; and(b)	if the Customer’s Authorised Person exits theBank App for any reason, they will be logged out;
and(c)	the Customer or the Customer’s Authorised
Person may experience a reduced level ofservice on a Bank App caused by a third party(including without limitation an internet and/or
telecommunications service provider).

(c)	maintenance and support services for the Bank
App. The Bank does not admit any liability inrespect of these issues.
4.7	The Customer warrants that the Customer isnot located in a country that is subject to a
US Government embargo or is designated by
the US Government as a “terrorist supporting”
country, and the Customer is not listed on any USGovernment list of prohibited or restricted parties.

4.3	The Customer will ensure that the Customer andthe Customer’s Authorised Persons:(a)	take all steps necessary to stop unauthorised useof a Bank App;(b)	immediately notify the Bank upon becoming
aware or suspecting that a Mobile Device witha Bank App may be lost or stolen or the security
compromised;

4.8	The Customer must comply with all third party
service providers terms of use (for example,
software providers and network service providers)when using the Bank App.

(c)	only install and download approved applications
on a Mobile Device with a Bank App otherthan those available from an application store
compatible with that Mobile Device, and theCustomer agrees that the Customer will not
override the software lockdown on such Mobile
Device (i.e. jailbreak a Mobile Device); and4.9	The Bank has a right to withdraw or terminate
the Customer’s use of a Bank App or part thereof
if a Bank App Distributor terminates its licencewith the Bank or ceases to perform any of its
obligations under such licence.
4.10	A Bank App may contain open source codeand the Bank may be required to restate certain
information in relation to the relevant open sourcecode. The relevant Agreement of each Bank App
shall, if applicable, include all information related
to the relevant open source code.

(d)	download all new versions of the Bank App andcease use of the old version when notified to doso from an application store.
4.4	In addition to the liability provisions set out
elsewhere in the Agreement, the Bank is notliable for any Loss that the Customer may suffer
as a result of any unauthorised person accessing
and using a Bank App on any Mobile Device.

3

5.

DIGITAL CERTIFICATES

5.1	In connection with any Digital Certificates, theBank will receive applications for, process, andissue, Digital Certificates and will implement
security principles designed to ensure (to theextent reasonably possible) that:

5.6

The Customer will:(a)	appoint and maintain at least one Authorised
Person who has authority to:(a)	such access is secure from intrusion;(i)	apply for the issuance of Subscriber Digital
Certificates on the Customer’s behalf andfacilitate the issuance of Subscriber Digital
Certificates to the Customer; and(b)	the systems used by the Bank (to allow suchaccess) are and remain available and reliable,
operate correctly and are suited to performing
their intended functions; and(ii)	send Communications to the Bank tosuspend, revoke, renew or reinstate theCustomer’s Subscriber Digital Certificates;and(c)	any Instruction the Customer gives the Bank torevoke any Digital Certificate is actioned as soon
as reasonably practicable.

(b)	keep itself informed of any notices issued by theBank at www.anz.com/pki.

5.2	The Bank may continue to accept Instructions
from Authorised Persons or via Host-to Host solong as the relevant Digital Certificate is Valid.
5.3	In addition to any other obligations the Customer
has in relation to the Bank’s Electronic Banking
Channel, the Customer will only use Digital
Certificates for the Customer’s business, notpersonally and only in relation to the Services
which allow access using Digital Certificates.

5.7	The Bank Certificate Policy and the Bank
Certification Practice Statement are found atwww.anz.com/pki.
5.8	The Bank may at any time reasonably vary theBank Certificate Policy and the Bank Certification
Practice Statement by posting the change at
www.anz.com/pki and notifying the Customer ofit at least 30 Days before its effective date.

5.4	Digital Certificates provided by the Bank aresubject to the following documents as amended
from time to time which the Bank and theCustomer are bound by:(a)	Certificate Policy - the principal statement ofpolicy governing the permitted uses and validity
period of Digital Certificates; and(b) ertification Practice Statement - a statement
Cof the practices employed in issuing digital
certificates and providing digital certificate
services, in order to establish the integrity andsecurity of the digital certificate services.

5.5	If a conflict occurs between them, thisAgreement takes precedence, followed by theCertificate Policy, followed by the Certification
Practice Statement. If the conflict is still notresolved, the conflicting provisions are severedfrom the document lower in precedence.

anz.com
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Item No. 85939 02.2017 W570183