ELECTRONIC COMMUNICATION CONSENT

1. You consent to National Australia Bank Limited ("NAB", "we,"us" or "our"), as the credit provider and issuer of Bank of Queensland Credit Cards, communicating electronically with you about the Credit Card account(s) you nominate and authorise us to act on instructions it has received electronically. This consent and authority will apply to all communications permitted to take place electronically by law (including any applicable industry Code or Code of Conduct) including but not limited to:

• statements of your account;
• notices and other documents from us to you about your account;
• variations to the contract relating to your account; and
• notices from you to us.

2. We will rely on this consent to communicate with you by:

• electronic mail to the e-mail address that you have notified to us;
• making a notice or other document available for you to access on our website;
• any other method of electronic communication; and/or
• ordinary mail to the address on our records.

3. By giving this consent, we are no longer required to send you notices or other documents in paper form for the account unless required by law. Notwithstanding this consent, we may still decide to send you paper copies in certain circumstances including where electronic delivery is unavailable or we reasonably believe your email address is not receiving the emails we send.

4. You must ensure that:

• you check your email regularly for notices and other communication from us;
• your email address remains current (or otherwise notified to us); and
• emails from us to your email address are not blocked.

5. We rely on you to keep your nominated e-mail or physical (street) address details up-to-date and to notify us when they change.

6. Providing you with electronic statements does not alter your obligations under any terms and conditions of the account. You should print and save a copy of any notice or other document provided to you electronically. You are responsible for ensuring that you maintain the appropriate software and hardware, including printer, to access, view, retrieve, print and save a copy of such documents. To see and keep the information subject to this consent, you will need a web browser that meets our site security requirements. If you are a PC user, you will need Netscape Communicator/Navigator 4.06 (or higher) or Microsoft Internet Explorer 4.0 (or higher).

7. You can go back to receiving paper notices and other documents by contacting us via phone on 1300 55 72 72. If you decide to return to paper notices and other documents, you are asking to receive those documents on paper, delivered by post to your nominated street address. If you de-enrol from receiving Electronic Communications, you may be charged $2 each month we issue you with a paper statement, debited to your Account in the following Statement Period.