Contents 1              Introduction 2              Governing Law 3              Membership 4              Savings/Transaction Accounts 5              Additional Services 6              Member Cheque Scheme 7              Standard Non-Cash Payment Products 8              Term Investments 9              Internet Banking 10           BPAY ®  11           International Telegraphic Transfers 12           Financial Claims Scheme   1              Introduction 1.1          Definitions 1.1.1      In this document ‘we’, ‘us’, ‘our(s)’, ‘Cairns Penny’ or … Continue reading Terms and Conditions