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Footnotes:

Qudos Mutual Ltd trading as Qudos Bank ABN 53 087 650 557 (“Qudos Bank”) has entered into contractual arrangements with Western Union Business Solutions (Australia) Pty Ltd (ACN 150 129 749; AFSL 404092) trading as Western Union Business Solutions (“WUBS”), to assist it in fulfilling certain foreign exchange and payment services. WUBS is a business unit of The Western Union Company. The relationship relating to the services described (other than Drafts) is solely between you and Qudos Bank. Qudos Bank has arranged for Drafts to be offered directly to you by WUBS. If you are seeking to acquire Drafts, it is important for you to consider the Product Disclosure Statement (“PDS”) and any other relevant WUBS documents before you decide whether or not Drafts are the right financial product for you. The Drafts PDS is available from Qudos Bank or on the compliance section of the WUBS website (http://business.westernunion.com.au). Fees and charges may apply, please refer to the terms and conditions issued by Qudos Bank. Any advice provided by Qudos Bank is general in nature and does not take into account your personal objectives, financial situation or needs. WUBS does not give you any advice, general, personal or otherwise. This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied, are made in this communication. Qudos Bank has a revenue share arrangement with WUBS, where Qudos Bank receives a percentage of the foreign exchange margin revenue and fee revenue (where applicable) for the relevant foreign exchange or payment service.  See Qudos Bank’s Financial Services Guide for more detail.

Access Prepaid Cards Pty Ltd ABN 47 145 452 044 (“Access Prepaid”) distributes the Cash Passport pre-paid foreign currency debit card product. The debit card for the Cash Passport product is issued by Heritage Building Society Limited ABN 32 087 652 024 AFSL 240 984. Qudos Bank receives a commission for the Cash Passport product from Access Prepaid at the time of purchase as the greater of $15 or 1% of the Australian dollar value for Cash Passport purchases (load), or 1% of the Australian dollar value for Cash Passport reloads. Any advice provided here is general and does not take account of your personal objectives, financial situation or needs. You should review the relevant Terms and Conditions or Product Disclosure Statement for product information and our Financial Services Guide for information on our arrangements and commissions.