20140805-G. H. Schorel-Hlavka O.W.B. To Financial Ombudsman Service - Re Signature Card-etc-Case Number 369877

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WI THOUT PREJ UDI CE
Financial Ombudsman Service 5-8-2014
info@fos.org.au
5
Cc: Westpac C/o ramcintosh@westpac.com.au

Ref; 20140730-G. H. Schorel-Hlavka O.W.B. to Financial Ombudsman Service-Re signature card-etc
COMPLAINT Case Number 369877 Supplement
10
Sir,
I have always acknowledged that I use my self-professed crummy English as English is not
my native language and neither did I have any formal education in the English language, but this
also often results that I am alert to the usage of English words which others may never be as
such. It means that because of my c rummy English I have often realised that what is stated 15
may be false, deceptive, misleading, etc.
DUE WHAT I CONSIDER ELABORATE FRUAUDLENT/DECEDPTIVE CONDUCT
BY WESTPAC I HAVE NO CHOICE BUT TO QUOTE NUMEROUS MATTERS AS TO
EXPOSE ITS ROT (AND SO OF OTHER BANKS ALSO).
. 20
As a CONSTITUTIONALIST I seek to first of all consider what is constitutionally appropriate
and applicable in matters, hence I will quote the Commonwealth of Australia Constitution Act
1900 (UK).

Commonwealth of Australia Constitution Act 1900 (UK) Subsection51(xiii) 25
QUOTE
(xiii) banking, other than State banking; also State banking
extending beyond the limits of the State concerned, the
incorporation of banks, and the issue of paper money;
END QUOTE 30

There therefore ought to be a shred of a doubt that the Commonwealth can legislate as to banking
other than State banking. I understand Westpac is not a State banking and therefore falls within
the legislative authority of the Commonwealth of Australia.
. 35
Both on Westpac website as well as in its correspondence to me Westpac made certain
statements, and also it proves that I quote a 12 April 2014 email of my response regarding the pin
number, and this is a copy I received having forwarded a copy to myself at the same time I
forwarded it to Westpac.
The 25 July 2014 correspondence I received (on 4 August 2014) via Australia Post from Westpac 40
(copy reproduced below) states also:
QUOTE 25-8-2014 correspondence from Westpac (Bolding in red and underlining added)
From 1 August 2014 PIN will replace signature across Australia at point of sale.
This change is being made by the PINwise Industry Security Initiative to improve
Australias card security standards for purchases. 45

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As youll no longer be able to sign for purchases at point of sale in Australia, youll be
asked to enter your PIN. If you dont enter or cant remember your PIN, your transaction
may be declined.
END QUOTE 25-8-2014 correspondence from Westpac
This demands to question who is PINwise Industry Security Initiative and what legal 5
authority has it to have Westpac to reflect the mandate?
Hence, I have below researched who is PINwise Industry Security Initiative if it is in fact a
registered entity and also what is the English meaning of mandate.
It is my view that the set out below will indicate that Westpac has gone about deceiving its
customers to refer to PINwise Industry Security Initiative a non-existing registered entity 10
and neither having any legal powers to demand or order Westpac to alter the conduct of signature
signing to PIN number system only. While there is a PINwise Industry Security registration
(not being PINwise Industry Security Initiative) this however seems to be connected to some
adverti8sing business and a woman called Penelope Currie. As such it seems to be no more but
an advertising gimmick banks have been using to con customers as to purport they are obligated 15
to act as such.
What appears to me is that the banking industry has colluded to try to undermine the provisions
of the Age Discrimination Act 2004 and the Disability Discrimination Act 1992 by
defrauding customers that the banking sector has a mandate from the PINwise Industry
Security Initiative to comply with its directions. 20
http://www.westpac.com.au/business-banking/merchant-services/manage/merchant-pin-pos/
QUOTE downloaded from Internet Westpac wedbsite5-8-2014 (Bolding in red and underlining added)
Westpac Banking Corporation
Online Banking - Business. Tab to sign in; Or press Enter and use arrow key to select
other online service option, then press Enter to sign in. 25
Terminal for PINwise Industry Security Initiative
PIN's the only way to pay from 1 August 2014
The PINwise Industry Security Initiative has announced that PIN will become the main
form of card payment authorisation in Australia from 1 August 2014.
The industry-wide move to expand PIN at the point of sale (POS) and phase-out the 30
signature as a form of verification on Australian chip credit and debit cards will take place
from 1 August. There will be no change to contactless transactions.
Westpac will remotely update EFTPOS terminal software to reflect the mandate.
Merchants will progressively receive software updates during the month of September to
effect the change from signature to PIN authorisation. 35
END QUOTE downloaded from Internet Westpac wedbsite5-8-2014
As my 12 April 2014 email to Westpac already indicated I objected to being forced to use a PIN
number
The following being a quotation therefore has the original typing errors left in it.
40
QUOTE response email 12 April 2014
From: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>

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To: westpaccards@email5.westpac.com.au

Cc:
mayJUSTICEalwaysPREVAIL@schorel-hlavka.com
Date: Saturday, April 12, 2014 12:59 am
Subject: Re: Be PIN-ready for 1 August 2014
Attachments:
Text version of this message. (11KB)

As a customer with Westpac for some 40 years I view it should honour this and not
bully me into doing something that undermines my security.
The reason I declined to use a pin was so as to maintain my security and seeking to
avoid misuse of my account by third parties. A signature is hard to copy and when I
attend to a store I always insist that the person checks my signature against my card, 5
as well as my drivers licence, as to avoid misuse by others.
Electronic gadges exist where one merely has to keep the card near a scanner and
then it organise payments. Meaning, my security is compromised not by my own
action but by the bank engaging in practices which I view undermines my rights of
security using the card. 10
Without a signature my card details can be copied buy those who have special
scanners and then I am left to sort out any illegally obtained purchased bvy others on
my account.
In my view, the bank has a "DUTY OF CARE" and fails to provide for this where it
makes it easier for fraudulent usage by others, even if they do not have access to my 15
card, merely by duplicating any transaction and so the pin details.
it has been often reported in the media how when a person uses a card then the
person at the cash register has the details transferred upon another device to allow
fraudulent purchases to eventuate. Hence, using a signature prevents this kind of
fraudulent usage. 20
If the bank engage therefore in practices adverse to my interest then it must accept
full and total liability for any fraudulent usage without any need on my part to prove
this. It is the bank who engage in a conduct to faciliate the likely fraudulent usage of a
card or its details.
It should be understood that in the end any monies the bank so to say loses on 25
fraudulent charges it does no more but claim it back in charges to its bank customers,
and as such fails to take itself responsibility for its own mismanagement as such to
faciliate misuse of card details.
When about 13 years ago I was robbed and became aware of this within minutes my
first action was then to cancel my cards and report the matter to ther police, etc. It 30
was more then 10 years later that I discovered the cards in the wallet between 2 stack
of bricks, having been dropped by the thief and unable to get to it due to the hight of
the stack of bricks. I duly notified the police at the time becoming aware having been
robbed, as well having finally located the wallet with the cards. As such I acted so to
say as a model citizen. 35
I expect Westpac to do no less but to act as a model citizen.
It is not good enough to argue that if fraudulent usage is eventuating then the bank
will compensate for this, because I shouldn't be my burdened in the first place, with
less security against my desire. Further, if a fraulent charge were to be made then it
would deny me the right to use the monies otherwise available, if I need this, and as 40
such I coulkd be prevented from having the benefits of the card for no other reason
but because Westpac desires to implement some system where it is assisting others to
engage in fraudlent conduct by this.
I trust you as a bank will show and display the same concern as to my security and
the banks security as I have shown and will ensure that I am not deprived of this 45
security.

Mr G. H. Schorel-Hlavka O.W.B.
. 50

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MAY JUSTICE ALWAYS PREVAIL
107 Graham Road, Viewbank 3084
Victoria, Australia

Blog (constitutional issues) http://www.scribd.com/inspectorrikati 5
.
Website: http://www.schorel-hlavka.com/
The content of this email and any attachments are provided WITHOUT PREJ UDI CE, unless specifically
otherwise stated.
10
If you find any typing/grammatical errors then I know you read it, all you now need to do is to consider the content
appropriately!

A FOOL IS A PERSON WHO DOESN'T ASK THE QUESTION BECAUSE OF BEING CONCERNED TO BE LABELLED A 15
FOOL.

-----Original Message-----
From: Westpac cards [mailto:westpaccards@email5.westpac.com.au]
Sent: Friday, April 11, 2014 03:32 PM 20
To: schorel-hlavka@schorel-hlavka.com
Subject: Be PIN-ready for 1 August 2014
END QUOTE response email 12 April 2014

I understand that in the case of MORI ATY v LONDON, CHATMAM & DOVER RY Queens 25
Bench 1870 L.R. 5 Q.B. 314;39 L.T.Q.B. 109;22 L.T. 163;34 J.P. 692;18 W.R. 625 in which the
plaintiff sued a railway company for personal injuries sustained and this plaintiff has gone about
suborning false evidence and it was held by the Court that even so the plaintiff would have had a
genuine and justify to case to sue normally, by the plaintiff conduct to suborn false evidence
this was seen by the Court that this conduct amounted to an admission that he had no case. 30
As such, where Westpac (and other banks) have gone about suborning false and misleading
claims as to seek to undermine customers rights and to undermine the Age Discrimination Act
2004 and the Disability Discrimination Act 1992 then I view this is a very serious issue. This
also as many customers now have so to say been swindled in having been forced on
false/fraudulent claims to use a PIN number. In my view banks should be forced to notify their 35
customers that they can revert back to signature cards without charge to them.
While Westpac has been claiming that there are no charges as to point of sale usage of a PIN, I
understand from media reports that there are hidden Tap & Go charges (Channel 9 TV News,
Melbourne). As such Westpac seems to be engaging in fraudulent conduct to deceive customers
and then cause them to incur charges in addition to what was previous applicable. Considering 40
that my email of objection was dated 12 April 2014 then I view the bank must take
responsibility.
While I have become aware since that the return address appears to be
westpaccards@email5.westpac.com.au which refers to edmail5.Westpac the problem is that whenever I
report spoofs (some quotations below) then Westpac never seems to bother to clarify this and as 45
such it is Westpac who is causing the problems.
What I view Westpac should do is to provide an automatic response with a report number and
then follow this up, so the relevant number can assist to trace a complaint. What however is
eventuating is that Westpac seems to disregard proper follow up and feedback and then it is up to
the customer to guess if the email is or is not valid. By this the bank must be deemed to have an 50
accessory to criminal conduct if in fact the email was for criminal purposes and Westpac failed to
advise the complainant and other customers and they customers then fall prey to such fraudulent
conduct.

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Again I suspect that the banking industry may have set up this elabortate system to decieve
customers as to the mandate of the PINwise Industry Security Initiative so as to
undermine the legal provisions of the Age Discrimination Act 2004 and the Disability
Discrimination Act 1992.
As my wife indicated to me, she be faced to a likely $175 charge to see her eye specialist to 5
obtain a medical certificate and she views she should not have to be out of pocket for this.
I for one cannot see any improvement of security where banks are going on ignoring the basic
requirements of security, such as where I reported suspected emails. And where it leaves
customers unaware of such scam emails.
The following is an email purportedly from the ANZ bank but as neither my wife or myself hold 10
any ANZ account it is clear that this is a scam.
QUOTE 1-8-2014 Email purportedly from ANZ
Your ANZ Online Banking is Temporarily Restricted
ANZ online Dear ANZ Valued Customer, We noticed suspicious activities on your account
from an unrecognized device. This may have been you via a mobile device or an 15
unrecognized P.C. For your security, we have te
To noreply.customers
Aug 1 at 11:57 AM

Dear ANZ Valued Customer,
We noticed suspicious activities on your account from an unrecognized device.
This may have been you via a mobile device or an unrecognized P.C. For your security,
we have temporarily restricted access to domestic and international transfers until you
verify your identity with us.

What do you do? To verify your identity and resume normal banking activities, please
visit: www.anz.com/verification/customer-protection

ANZ will periodically send you such notifications to ensure the safety of our account.
To view secure messages, please log on towww.anz.com and click on Secure Message
Center.

By accessing the Bank's online services, you confirm you are an authorised user and
have agreed to the application Conditions of Use (See Electronic Banking Conditions
of Use).

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Things you need to know
This message is being sent to you by Australia and New Zealand Banking Group Limited (ANZ)
of 833 Collins Street Docklands, VIC, 3008, Australia.

ANZ will periodically send you an email or SMS for you to verify or provide Account Details,
Financial Details, or login details for ANZ Phone Banking, ANZ Internet Banking or ANZ Mobile
Banking for your security. For our full policy see anz.com/emailpolicy.

ANZ [anz@emailcommunications.anz.com] is not an actively monitored email address. Please
do not reply. For general enquiries you can complete the Online Enquiry Formavailable on
anz.com or call 13 13 14.

Any advice does not take into account your personal needs and financial circumstances and you
should consider whether it's appropriate for you.
You are receiving this because the email address ********@hotmail.com was supplied to ANZ.
ANZ is legally obliged to send you emails notifying you of the changes to the Online Statement
Terms and Conditions. Please note you are not able to opt out of these emails.
Security & Privacy Statement
Australia and New Zealand Banking Group Limited (ANZ) 2014 ABN 11 005 357 522. ANZ's
colour blue is a trade mark of ANZ.

Connect with us

END QUOTE 1-8-2014 Email purportedly from ANZ
When I receive an email that I find suspicious then I generally reported this to the relevant bank
and with it the heading, as the heading can assist the relevant bank to trace the sender.
Headings of an email exposes who is allegedly the sender and also what is the return path.
I was subjected to as flood of more than 2,000 emails where someone had used my email address 5
in a fraudulent manner as a return address. So, rather than just to delete them I decide to track
back and to find a common denominator of emails. By this I was able to ascertain that email had
been sent from a domain name registered that day but not having been set up but and as such was
using an email that only the registered owner could have known that day. I notified (domain)
registrars and sometime later the scam emails stopped. In my view, if banks were to vigorously 10
do the same then a lot of customers would be protected from the scammers. After all the misuse
and abuse of banks logos should be of concern.
However it appears to med a lack by the banks to rigorously pursue this kind of scams and let
customers bear the brunt of it all. After all, banks will recover any losses by increasing
customers fees and so why worry? 15

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In my view, banks that fail to act appropriately should then have directors of the bank
made legally liable for criminal charges to avoid and abet with criminals, as their failure to
act responsible and to warn customers is aiding and abetting crimes upon banks customers.
Where the bank engages in conduct to make it easier for criminals to scam/defraud then I
view again the bank directors should be held legally liable. After all when they face 5
personally to be imprisoned and have their possessions confiscated then they more than
likely will be more alert to act and to ensure appropriate follow up is pursued.

I will now quote some material which underlines my writings as well as my search as to the lack
of registration of PINwise Industry Security Initiative and where a so called private 10
organisation by Penelope Currie appears to be behind the PINWise issue and not at all some
Government requirement as I was made to understand when attending to Westpac branch on 28
July 2014 that the Westpac was compelled to comply to have this PIN applied to all cards.
Again, I view an elaborate swindle upon customers and seemingly to circumvent legal
requirements that are applicable within the provisions of the Age Discrimination Act 2004 and 15
the Disability Discrimination Act 1992. And in my view the Ombudsman cannot ignore this
and should ensure that immediate action is taken in the interim by the relevant banks as to seek to
avoid any customer, in particular the age and the disabled to be adversely affected by the
PINwise scheme.
Where applicable I have provided Internet website details where I downloaded details on 5-8- 20
2014, so it can be checked back that indeed the details are as those I located on the sites referred
to.
QUOTE 11 April 2014 email
From: Westpac cards <westpaccards@email5.westpac.com.au>

Cc:

Date: Friday, April 11, 2014 03:32 pm

Dear Gerrit,

We recently sent you your PIN so you can start using it to make signature-free card
purchases.

Thats because from 1 August 2014, youll no longer be able to sign for purchases at
point of sale in Australia. This is part of the PINwise Industry Security Initiative thats
focussed on improving card security. For more details, visit westpac.com.au/pin
Plus, your daily chance to win $1,000.

Start using your PIN today and register to win a $1,000
cash prize. There will be one daily winner until 25 May.

To enter, just:
1.
spend $100 or more at participating
Woolworths Group stores

2.
pay by using your card and PIN

3.
keep your receipt so you can register
your purchase online at pinwise.com.au

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So why not start using your PIN today? For further details,
visit pinwise.com.au

Kind regards,

Stephen Benton
Head of Consumer Finance
END QUOTE 11 April 2014 email

The following being a quotation therefore has the original typing errors left in it.

QUOTE response email 12 April 2014 5

To: westpaccards@email5.westpac.com.au

Cc:
Date: Saturday, April 12, 2014 12:59 am
Subject: Re: Be PIN-ready for 1 August 2014
Attachments:

As a customer with Westpac for some 40 years I view it should honour this and not
bully me into doing something that undermines my security.
The reason I declined to use a pin was so as to maintain my security and seeking to
avoid misuse of my account by third parties. A signature is hard to copy and when I
attend to a store I always insist that the person checks my signature against my card, 10
as well as my drivers licence, as to avoid misuse by others.
Electronic gadges exist where one merely has to keep the card near a scanner and
then it organise payments. Meaning, my security is compromised not by my own
action but by the bank engaging in practices which I view undermines my rights of
security using the card. 15
Without a signature my card details can be copied buy those who have special
scanners and then I am left to sort out any illegally obtained purchased bvy others on
my account.
In my view, the bank has a "DUTY OF CARE" and fails to provide for this where it
makes it easier for fraudulent usage by others, even if they do not have access to my 20
card, merely by duplicating any transaction and so the pin details.
it has been often reported in the media how when a person uses a card then the
person at the cash register has the details transferred upon another device to allow
fraudulent purchases to eventuate. Hence, using a signature prevents this kind of
fraudulent usage. 25
If the bank engage therefore in practices adverse to my interest then it must accept
full and total liability for any fraudulent usage without any need on my part to prove
this. It is the bank who engage in a conduct to faciliate the likely fraudulent usage of a
card or its details.
It should be understood that in the end any monies the bank so to say loses on 30
fraudulent charges it does no more but claim it back in charges to its bank customers,
and as such fails to take itself responsibility for its own mismanagement as such to
faciliate misuse of card details.
When about 13 years ago I was robbed and became aware of this within minutes my
first action was then to cancel my cards and report the matter to ther police, etc. It 35
was more then 10 years later that I discovered the cards in the wallet between 2 stack
of bricks, having been dropped by the thief and unable to get to it due to the hight of
the stack of bricks. I duly notified the police at the time becoming aware having been
robbed, as well having finally located the wallet with the cards. As such I acted so to
say as a model citizen. 40

9
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I expect Westpac to do no less but to act as a model citizen.
It is not good enough to argue that if fraudulent usage is eventuating then the bank
will compensate for this, because I shouldn't be my burdened in the first place, with
less security against my desire. Further, if a fraulent charge were to be made then it
would deny me the right to use the monies otherwise available, if I need this, and as 5
such I coulkd be prevented from having the benefits of the card for no other reason
but because Westpac desires to implement some system where it is assisting others to
engage in fraudlent conduct by this.
I trust you as a bank will show and display the same concern as to my security and
the banks security as I have shown and will ensure that I am not deprived of this 10
security.

. 15
Victoria, Australia

.

The content of this email and any attachments are provided WITHOUT PREJ UDI CE, unless specifically
otherwise stated. 25

If you find any typing/grammatical errors then I know you read it, all you now need to do is to consider the content
appropriately!
30

A FOOL IS A PERSON WHO DOESN'T ASK THE QUESTION BECAUSE OF BEING CONCERNED TO BE LABELLED A
FOOL.

-----Original Message----- 35
From: Westpac cards [mailto:westpaccards@email5.westpac.com.au]
Sent: Friday, April 11, 2014 03:32 PM
END QUOTE response email 12 April 2014 40

QUOTE email 19 May 2014 (for security picture not included)

To: spoof@westpac.com.au
Cc:
Date: Monday, May 19, 2014 11:16 pm
Subject: spoof?
Attachments:
Text version of this message. (913B)

When I logged out of Westpac Banking I had automatically the attached screen,
requesting me to use my pin number. I consider that this is a dangerous and 45
irresponsible practice if this is done by Westpac. If not then customers may be tricked
to give out their pin number. Whatever it is I view it must be stopped.

. 50

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Victoria, Australia

.

The content of this email and any attachments are provided WI THOUT PREJ UDI CE,
unless specifically otherwise stated. 10

If you find any typing/grammatical errors then I know you read it, all you now need to do
is to consider the content appropriately!
15

A FOOL IS A PERSON WHO DOESN'T ASK THE QUESTION BECAUSE OF BEING
CONCERNED TO BE LABELLED A FOOL.
END QUOTE email 19 May 2014
20
QUOTE 19 May 2014 response
From:
WBGAPPBuildManagerAdministrator@westpac.com.au
<wbgappbuildmanageradministrator@westpac.com.au>

To: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>
Cc:

Date: Monday, May 19, 2014 11:21 pm
Subject: Re: spoof?
Attachments:

This is an automated message from spoof@westpac.com.au, please do not
reply.

Reporting scams is really important as it allows us to quickly investigate 25
the information you've sent and use it to minimise the chance of others
being affected.

In order for us to act promptly to every email we receive we do not respond
individually to any emails sent to this address. 30

Customers are advised never supply your banking details in response to an
email. Westpac emails do not include links to sign-in pages, or ask you for
your personal security information.
35
If you believe your security has been compromised or you notice a
transaction you did not make, contact us by phone immediately.

To view examples of recent email scams please visit
westpac.com.au/hoaxemails 40

Unless otherwise stated, this email is confidential. If received in error, please delete and inform the sender by
return email. Unauthorised use, copying or distribution is prohibited. Westpac Banking Corporation (ABN 33 007
457 141) is not responsible for viruses, or for delays, errors or interception in transmission. Unless stated or 45
apparent from its terms, any opinion is not the opinion of Westpac Banking Corporation. This message also includes
information on Westpac Institutional Bank available at westpac.com.au/wibinfo
END QUOTE 19 May 2014 response

QUOTE 2 April 2014 response 50

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From: Westpac Online <online@westpac.com.au>

Cc:

Date: Wednesday, April 02, 2014 02:05 am
Subject: RE: Feedback - Complaint
Attachments:

This is an automated message.

Thank you for raising your concern with us.

We'll be in contact with you as soon as possible. However, if you need to contact Westpac urgently, simply: 5
* Call us on 132 032 (8am-8pm, 7 days)
* Call + 61 2 9293 9270 (24 hours) if you're overseas, or
* Visit your local Westpac branch (westpac.com.au/locateus).

We look forward to assisting you further. 10

Yours sincerely

Email: online@westpac.com.au 15

Security advice
Before accessing emails or the internet, always update your virus, firewall and Operating System software. For
more information on security, visit the Westpac homepage.
20
Things you should know
Information in this email does not take into account your objectives, financial situation or needs. Before acting on
the information, consider whether it is right for you.

You should read all relevant Terms and Conditions or other disclosure documents before making a decision. 25
(westpac.com.au/disclosure-documents).

Full details of up to date fees and charges, interest rates, terms and conditions, product information and any special
offers are available from any Westpac branch in Australia or visit: westpac.com.au
30
Your Privacy
Any personal information you provided in your application has been used by us to either process the application or
contact you on the progress of your account opening. You can access the personal information we have collected, if
retained, by calling 132 032 (8am to 8pm, 7 days).
35
Unless otherwise stated, this email is confidential. If received in error, please delete and inform the sender by
return email. Unauthorised use, copying or distribution is prohibited. Westpac Banking Corporation (ABN 33 007
457 141) is not responsible for viruses, or for delays, errors or interception in transmission. Unless stated or
apparent from its terms, any opinion is not the opinion of Westpac Banking Corporation. This message also includes
information on Westpac Institutional Bank available at westpac.com.au/wibinfo 40
END QUOTE 2 April 2014 response

As this complaint includes the way Westpac is manipulating the use of the English language I
consider it appropriate to quote part of an attachment of an email I received way back on 9
November 2010, as it goes into some details about Westpac alleged deceptive conduct in using 45
not plain English but wording to perhaps confuse and deceive customers.
The Framers of the Constitution made clear:
.
Hansard 19-4-1897 Constitution Convention Debates
QUOTE 50
Mr. CARRUTHERS:
This is a Constitution which the unlettered people of the community ought to be able to understand.
END QUOTE
.
In my view as a CONSTITUTIONALIST this means that all legislation as well as those 55
operating within the provisions of legislation, including banks, are obligated to use English that
an unlettered person can understand. Failing this then the contact any bank enters into must be
deemed NULL AND VOID!

QUOTE email 9 November 2010 60

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From: Kerry Hay <u.man@bigpond.com>

To: mayjusticealwaysprevail@schorel-hlavka.com
Cc:

Date: Tuesday, November 09, 2010 11:09 am
Subject: Emailing: Unconscionable behaviour by Westpac Banking Corporation.
Attachments:
Text version of this message. (533B)
Unconscionable behaviour by Westpac Banking Corporation..doc (133KB)
PLEASE DON'T DO BUSINESS WITH WESTPAC
BANK, THEY RUINED MY LIFE. WHAT YOU READ
HERE IS ONLY A SMALL SAMPLE OF WHAT THEY
DID TO ME. "WHY NOT BANK WITH A CREDIT
UNION, SUCH AS CUA LTD: 5
The message is ready to be sent with the following file or link attachments:
Unconscionable behaviour by Westpac Banking Corporation.

Note: To protect against computer viruses, e-mail programs may prevent sending or
receiving certain types of file attachments. Check your e-mail security settings to 10
determine how attachments are handled.
END QUOTE email 9 November 2010

QUOTE email 9 November 2010-Part only of attachment 15
Read how We,suck Bank can ruin your life & business prospects!
Westpac Banks new motto phrase, Your future is our future, bullshit.
Westpac Bank is now insolvent; unable to pay debts owed to Mr. K. P.Hay. Now they say for 191 years
weve helped millions. Bank with confidence No-way: In The Public Interest based on Fair
Comment, Without Prejudice or Malice 20
Westpac Banking Corporation K. P. Hay.
The Office of Chief Executive 4 Bailey Street,
David Morgan WOODY POINT Q 4019
341 George Street, Tel (07) 32842892
SYDNEY N.S.W. 2000 30
th
June 2001 25
Your ref. No. 464- 0171687-50:

ATTENTION: - CHIEF EXECUTIVE OFFICER DAVID MORGAN

Dr David Morgan, 30
1. This document is intended to inform you about the perspective of many ordinary banking dissenting
disappointed financially ruined victims that are suffering, are going to suffer and have been suffering, due to
the antecedent contrived effects of oral tradition financial usury.
This usury traducing tradition is still being used by current banking system money accruing, asset depriving
word-riddle activists of civilisation who use circumlocution lingo as ruling world word manipulators who 35
totally own all civilisation and all its word weapons of financial and physical destruction.
2. They routinely metaphysically transcend ordinary peoples reasoning by inflicting them with inscrutable
enigma riddle talk that ordinary people cannot construe or figure out because it is a type of cryptic fraudlaw
in fraudwar. K.P.Hay was bank swindled by the cunning use of a Latinised lingo that is used by bank
officials and legal minded manipulating professional people to impose legalised philosophic swindling 40
purposes described in the vernacular as bank benighting blighting by bafflegab
3. This banking philosophy by unarguable evidence herein amply revealed is used to perpertrate a never
ending perpetual money, estate, finance, asset depriving legal profession authored, supervised and protected
depriving system run by the big firm.

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4. This system of original oral tradition conceived by an exclusive inherent jurisdiction clique that controls the
abstract extortion fiscal racket depriving confraternity, that purloin ordinary people by unfair means of what
they have worked to acquire by fair means.
Elect key position professional people not elected by ordinary people are in a confraternity effecting the
wrongful appropriating usurping of property possessions, assets and finances of ordinary people, thereby 5
habitually harming and ruining their lives, due to the legal loophole fine print word snares they insert into
their phoney booby trapped contracts.
5. The subliminal unalerted ordinary people become victims falsely called clients, they are inveigled, allured,
seduced and led on by fraudulent flattery until sufficiently fooled by officials they trust, into signing legal
document laced with word snags and snares which they comprehend only in their plain natural meanings not 10
in supernatural meanings.
Ordinary people sign professionally written documents, not suspecting any skulduggery or that professional
people use Judicial cognisance which is the comprehension of secret meaning metalanguage semantic word
meanings that have an entirely different meaning to the meanings that ordinary people think they mean.
Hence they are word tricked and regularly lead into financial ruin and bankruptcy, in contradiction of the 15
Australian Constitutions specified word meaning rules.
6. Judicial cognisance simply means that professional people are as a confraternity, legally allowed to make in
court and out of court summary judgements and on the spot decisions and adjudications without requiring to
demonstrate any proof to substantiate such judgements or decisions to the legally disenfranchised members of
the legally unqualified electorate, all classified officially as insignificant masses. This allows the 20
implementation of Latin adages to abuse ordinary people such as:-capiat qu I capre posit which means:-
let him take who can?
7. Thus bank blighting is condoned by the let-him-take-who-can traditional authors of law called
onomatopoeia, symbolegrapher, nomoligist, etymologist, itaconic, anagramists all law rule draughters, as
verified in Osborn`s Concise Law Dictionary [seventh edition by Roger Bird]. On page 23 we read: - 25
alienato rei prefertur juri accrescendi . This means :-The law favours the alienation rather than the
accumulation of property.
This reveals their antecedent ichnograph:- The by law established flourishing ground plan of the licit Bank
comploter professional confraternity eternally imposing fiscal appropriations on the defenceless and unwary
unprotected. 30
8. These master authors have demonstrated a ritualistic tendency to perpertrate original inherent oral
tradition traducing philosophic tacit tactics, unknown to the ordinary kind of mankind kind of man, the
lowly subliminal subspeci, benighted in eternal darkness as a type of suitable-to-be-deprived dim light
worker.
9. This depicts that fellow man who is suitable for the principle purpose of exploitation by the higher homo 35
known as the homo sapiens all intellectually similar to each other and mentally above the homonoid-
anthropomorph that has been shaped by the homo superior to resemble higher homo but to remain an
exploited inferior.
10. This hominoid with no ID and shaped by higher man to be an after the law type of lower
homo without professionally recognised legal capacity. He is deemed to remain void of any sui-generis or 40
sui-juris unique particular-peculiar rights that are reserved only for those with higher homo before the Law
interests. Consequently the higher homo continues unchallenged by law to practice picarooning on the
prog for pelf and plunder by inscrutable abysmal techniques that allow them to usurp all the worlds wealth by
word wizardry.
11. This is achieved by swamping and smothering the victims with overwhelming vast quantities of 45
perplexing inscrutable disguised, not comprehensible to ordinary people. The fine print is word-blinding that
ordinary people are not trained to recognise or suspect the existence of legal profession draughted, approved,
literature. Cacology words are falsely written into contracts worded to entrap with camouflaged underhanded
writ. Bank loan contract documents etc. are drawn up to snare whilst they seemingly appear to be helpful
persuasions, when they are really mesmerising methods. Victims are persuaded into signing bank loan 50
contracts etc. whilst in a narcotised hypnotic trance.
12. Once in this narcotised bank document signing trance state of mind, the victim becomes
subliminally unknowingly unconsciously willing to sign a seemingly harmless bank prepared agreement, not
suspecting that it contains hidden extortion racket dangers, which include no consideration or
accountability. This situation incites bank document baffling, boffins to interpret their signed document to 55
be an official signal, confirming that artistic-poetic licence be inflicted without compunction or any self
reproach for wrong doing. This encourages them to implement illegal but licit bank swindling penalties on
defenceless bank client victims such as K.P.Hay. He could not have knowingly agreed to sign any such
document s unless he had been word hood-winked.

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13. Then when the predestined bank victim discovers that he has been bank duped he learns that it is
too costly to contest bank law and that it requires far too many volumes of verbosity and lengthy oral parable
allegory explanation multiplied and compounded by ritualistic hindering hazard complications that are put in
place to hamper any one attempting to contest and counter bank depriving activism philosophy, elected
wrongdoers are protected by legal profession expensive gammon hoodwinking time delaying solicitor hour 5
meter money time tactics. The antecedent writ authors appear to rely on their cunning Latin adage to
exonerate themselves for their smart chat crooking and cheating of the public in general.
14. This special speci adage is mysteriously metaphysical because it officially makes Agreements
made by peculiar particular professional persons to be legally regarded as totally Not Accountable and
Not Binding when used against the interests of professional peoples universal purpose, but totally 10
binding in regard to the disadvantage of ordinary people.
15. The adage is:- Non refert an quis assensum suum praefert verbis , an rebus ipsis et factis. This
in professional meaning, means :-It matters not whether a professional man gives his assent by
his words or by his acts or deeds. This means that he is unaccountable and exempt from suit or prosecution
in favour of ordinary people. Accordingly Westpac Bank officials are legally allowed to present financial 15
property agreements that deny any financial consideration to victims such as K.P.Hay, who is caused to freely
grant the Westpac Bank all his hard earned wages and end up on the panhandle poverty line.
16. Westpac Bank officers and their posing collusionist collaborators implemented a Westpac Bank
malversation abuse and fiscal office plot to occasion financial ruin to victim K.P. Hay who was encircled by
the multiple coils of the Leviathan bank legal headed swallow-the-lot serpent. These coils squeezed bank 20
victim K.P.Hay`s investment properties out of his possession simultaneously squeezing out and digesting all
his double shift wage slave earnings, until he found himself permanently entangled in the inescapable coils
currently continuing to squeeze and crush his total financial existence determined to finally swallow and
devour his last remaining properties and capital gains.
17. Three Westpac Bank impostors bedazzled and mesmerised K.P.Hay into subliminally signing their 25
fine print snaring investment property bank loans and insurance documents using intellectual ambushing
brilliance called coruscation which he signed after they had persuaded him that he was doing the right thing.
He paid them to confirm that they had drawn up an appropriate suitable beneficial contract. They assured
him that it was designed to protect him and his interests. K.P.Hay accepted their Judas betrayer assurances
not realising their intent. 30
18. SUCCINCTLY AND AT LENGTH. This is the abreaction of disgruntled property
investment victim K. P. Hay depicting the causes of his fiscal decline due to the supposititious put in
place to deceive Westpac Bank slight of hand and misused disembodiment of every mans soul for the
ultimate percunious purloining peculating philosophical complot to keep his subordinate impoverished
fellow man forever in fiscal impoverished impecunious cringing conging servile serfdom, to exist under 35
bank boodle law as a boodle baffled member of mankind

19. In Simple Simon adage, a business deal was said to consist of three vital points that govern seal and
conclude any transaction:
40
A Someone must pay something.
B Someone must receive something.
C An agreement must exist.

his agreement must simultaneously be written in so called natural words that have no hidden inscrutable 45
semantic phenomena metaphoric deceptive meanings that are not comprehended by ordinary people and not
draughted by the legal profession so as to deliberately provide loophole protection to safeguard only the
professional confraternity.
20. In the pending matter of K.P.Hay -v- Westpac Bank coram pupulo it stands out extant and
glaringly that the incontestable premises and syllogisms formula of argument propositions allow only one 50
final conclusion, which is that K.P.Hay was not granted any consideration by Westpac Bank in their property
investment contract riddled with unlawful so-called switching fees and penalties that have ensured that
anyone reviewing this case will see that:-
END QUOTE email 9 November 2010-Part only of attachment
55
http://www.westpac.com.au/business-banking/merchant-services/manage/merchant-pin-pos/
QUOTE downloaded from Internet Westpac wedbsite5-8-2014

15
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Online Banking - Business. Tab to sign in; Or press Enter and use arrow key to select
other online service option, then press Enter to sign in.
Terminal for PINwise Industry Security Initiative
PIN's the only way to pay from 1 August 2014 5
The PINwise Industry Security Initiative has announced that PIN will become the main
form of card payment authorisation in Australia from 1 August 2014.
The industry-wide move to expand PIN at the point of sale (POS) and phase-out the
signature as a form of verification on Australian chip credit and debit cards will take place
from 1 August. There will be no change to contactless transactions. 10
Westpac will remotely update EFTPOS terminal software to reflect the mandate.
Merchants will progressively receive software updates during the month of September to
effect the change from signature to PIN authorisation.
Please note that Mail Order, Telephone Order ('MOTO') and eCommerce transactions are
not affected by the PINwise Industry Security Initiative. Hence, there is no change to the 15
way cardholders make payments over the phone or online.
If your terminal is privately owned, please contact your terminal vendor for a software
update schedule.
Need help or want to find out more?
Industry initiative: pinwise.com.au/merchant 20
Take a look at our FAQs regarding this industry initiative
For further assistance, call us on 1800 029 749
For cardholder information, please visit westpac.com.au/pin

Things you should know 25
American Express
is a registered trademark of American Express. MasterCard
and the
MasterCard Brand Mark are registered trademarks of MasterCard International
Incorporated.
END QUOTE downloaded from Internet Westpac wedbsite5-8-2014
30
I will now quote some of my research rfegarding business searched:

http://www.abr.business.gov.au/SearchByName.aspx?SearchText=PINwise+Industry+Security+I
nitiative
QUOTE 35
Your search for PINwise Industry Security Initiative found 5 matches. Results are listed below
sorted by relevance.

Matching names
ABN Name Type Location
18 551 993 911 P & I ALARMTECH SECURITY Trading 5251 SA

16
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Active Name
74 078 446 616
Active
PANWEST INDUSTRIES PTY LTD
Trading
Name
6288 WA
45 100 309 357
Active
SPECTRUM SECURITY & P I
Trading
Name
(Historic)
4064
QLD
82 772 826 048
Active
Penwise
Trading
Name
(Historic)
3444 VIC
75 997 719 298
Cancelled
PETE THE P.I (SECURITY)
Trading
Name
(Historic)
2258
NSW

END QUOTE

The following indicates the meaning of MANDATE
5
QUOTE
https://www.google.com.au/?gws_rd=ssl#q=mandate
QUOTE
1. mandate
noun 10
noun: mandate; plural noun: mandates
mandet/
1. 1.
an official order or commission to do something.
"a mandate to seek the release of political prisoners" 15
synonyms:
instruction, directive, direction, decree, command, order, injunction, edict, charge,
commission, bidding, warrant, ruling, ordinance, law, statute, fiat; More
ukase;
pronunciamento
"a mandate from the UN was necessary"
Law
a commission by which a party is entrusted to perform a service, especially without
payment and with indemnity against loss by that party.
a written authorization enabling someone to carry out transactions
on another's bank account. 20
historical
a commission from the League of Nations to a member state to administer a territory.
"the end of the British mandate in Palestine"
2. 2.
the authority to carry out a policy, regarded as given by the electorate to a party or 25
candidate that wins an election.
"he called an election to seek a mandate for his policies"
synonyms:
authority, approval, acceptance, ratification, endorsement; More
sanction, authorization
"he called an election to seek a mandate for his policies"
Canadian
a period during which a government is in power.
"the last mandate of Trudeau, from 1980 to 1984, was a remarkable chapter in 30
Canadian history"
verb

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verb: mandate; 3rd person present: mandates; past tense: mandated; past participle:
mandated; gerund or present participle: mandating
mandet/
3. 1.
give (someone) authority to act in a certain way. 5
"the rightful king was mandated and sanctioned by God"
require (something) to be done; make mandatory.
"the government began mandating better car safety"
4. 2.
historical 10
(of territory) be assigned to (another power) under a mandate of the League of Nations.
"mandated territories"
END QUOTE

http://en.wikipedia.org/wiki/Mandate 15
QUOTE
Mandate
From Wikipedia, the free encyclopedia
Jump to: navigation, search
Mandate can refer to: 20
Mandate (criminal law), an official or authoritative command; an order or injunction
Mandate (international law), an obligation handed down by an inter-governmental body
Mandate (politics), the power granted by an electorate
Mandate (theology), to some Christians, an order from God
Mandate (trade union), a trade union in Ireland 25
HMS Mandate, various ships of Britain's navy
Mandate (typeface), a brash-brush typeface designed by R. Hunter Middleton
The formal notice of decision from an appeals court
A requirement for a Health maintenance organization to provide a particular product.
League of Nations mandates[edit] 30
League of Nations mandates, quasi-colonial territories established under Article 22 of the
Covenant of the League of Nations, 28 June 1919, which included:
o French Mandate of Lebanon
o British Mandate of Mesopotamia
o British Mandate of Palestine 35
o French Mandate of Syria

18
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See also[edit]
Contract of mandate, a contract of bailment of goods without reward, to be carried from
place to place, or to have some act performed about them
Individual mandate, an often controversial government requirement for the purchase of
goods by individuals 5
Papal mandate, a response of the pope or a Sacred Congregation, in writing, to queries or
petitions of individuals
Mandate of Heaven, a traditional Chinese concept of legitimacy used to support the rule
of the kings of the Shang Dynasty and later the Emperors of China
Man date 10

This disambiguation page lists articles associated with the same title.
If an internal link led you here, you may wish to change the link to point directly to the intended article.
<img src="//en.wikipedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" title=""
width="1" height="1" style="border: none; position: absolute;" />
Retrieved from "http://en.wikipedia.org/w/index.php?title=Mandate&oldid=615975688"
Categories:
Disambiguation pages 15
Hidden categories:
All article disambiguation pages
All disambiguation pages

http://dictionary.reference.com/browse/mandate 20

mandate
Show Spelled [man-deyt] Show IPA
noun
1. 25
a command or authorization to act in a particular way on a public issue given by the electorate to
its representative: The president had a clear mandate to end the war.
2.
a command from a superior court or official to a lower one.
3. 30
an authoritative order or command: a royal mandate.
4.
(in the League of Nations) a commission given to a nation to administer the government and
affairs of a former Turkish territory or German colony.
5. 35
a mandated territory or colony.
6.
Roman Catholic Church . an order issued by the pope, especially one commanding the
preferment of a certain person to a benefice.
7. 40
Roman and Civil Law. a contract by which one engages gratuitously to perform services for
another.

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8.
(in modern civil law) any contract by which a person undertakes to perform services for another.
9.
Roman Law. an order or decree by the emperor, especially to governors of provinces.
Relevant Questions 5
What Is Mandate?
What Are The Mandated Code Requirements?
What Is Mandated Genetic Testing?
What Is A Mandate?
Why Are There Laws Mandating Seatbelts? 10
What Is The Churchs Missionary Mandate?
What Is Mandate?
Why Are There Laws Mandating Seatbelts?
What Is Mandated Genetic Testing?
What Are The Mandated Code Requirements? 15
verb (used with object), man dat ed, man dat ing.
10.
to authorize or decree (a particular action), as by the enactment of law.
11.
to order or require; make mandatory: to mandate sweeping changes in the election process. 20
12.
to consign (a territory, colony, etc.) to the charge of a particular nation under a mandate.

Origin:
154050; < Latin mandtum, noun use of neuter of mandtus, past participle of mandre to 25
commission, literally, to give into (someone's) hand. See manus, date
1

Related forms
un man dat ed, adjective
30
Synonyms
3. fiat, decree, injunction, edict, ruling.
Dictionary.com Unabridged
Based on the Random House Dictionary, Random House, Inc. 2014.
Cite This Source 35
|
Link To mandate
Collins
World English Dictionary
mandate

n
1. an official or authoritative instruction or command
2. politics the support or commission given to a government and its policies or an elected
representative and his policies through an electoral victory
3. ( often capital ) Also called: mandated territory (formerly) any of the territories under the
trusteeship of the League of Nations administered by one of its member states

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4. a. Roman law a contract by which one person commissions another to act for him
gratuitously and the other accepts the commission
b. contract law a contract of bailment under which the party entrusted with goods undertakes
to perform gratuitously some service in respect of such goods
c. Scots law a contract by which a person is engaged to act in the management of the affairs
of another

vb
5. international law to assign (territory) to a nation under a mandate
6. to delegate authority to
7. obsolete to give a command to

[C16: from Latin mandtum something commanded, from mandre to command, perhaps from
manus hand + dre to give]

'mandator

n
END QUOTE

http://www.oxforddictionaries.com/definition/english/mandate
QUOTE
Definition of mandate in English: 5
mandate
Line breaks: man|date
noun
Pronunciation: /mandet
10
/
1An official order or commission to do something: a mandate to seek the release of political
prisoners
More example sentences
Even some local trade officials ignored the new mandates to recruit women. 15
Although my official mandate was to study Pakistani farmers, I was obliged to give equal
attention to foresters.
The Human Rights Commission has the mandate to receive and investigate allegations of
discrimination.
Get more examples 20
Synonyms

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instruction, directive, direction, decree, command, order, injunction, edict, charge, commission,
bidding, warrant, ruling, ordinance, law, statute, fiat; in Tsarist Russiaukase; in Spanish-speaking
countriespronunciamento
View synonyms
1.1 Law A commission by which a party is entrusted to perform a service, especially without 5
payment and with indemnity against loss by that party.
In two of the four cases the solicitors received signed mandates from the purported
owners for the funds to be telegraphically transferred to a third party.
In carrying out its mandate, the Commission receives, analyses, and investigates 10
individual petitions alleging violations of human rights.
A Call Center for tourist information is in the works, and tourist police have a mandate to
provide service and protection for visitors.
Get more examples
1.2A written authorization enabling someone to carry out transactions on anothers bank account. 15
A forged cheque is not a valid mandate, and the bank cannot debit the customer's account.
If that were right one would expect to see wives being independently advised before
signing a typical mandate for a joint account.
He showed his value pretty quickly, pointing out that banks must have a legal mandate to 20
debit someone's account.
Get more examples
1.3 historical A commission from the League of Nations to a member state to administer a
territory: the end of the British mandate in Palestine
More example sentences 25
For the next 25 years, Syria was governed by French colonial administrators under a
mandate from the League of Nations.
Another category of dependent imperial territory was formed by League of Nations
mandates.
After the war, Japan continued to rule the islands under a mandate from the League of 30
Nations.
Get more examples
2The authority to carry out a policy, regarded as given by the electorate to a party or candidate
that wins an election: he called an election to seek a mandate for his policies
Newly elected ministers invariably choose to regard an election victory as conferring a
mandate on their policies.
Perhaps politicians should seek a new mandate from the electorate if they are unable to
fulfil their promises.

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The ones who win and form the next government would thus have the mandate to pursue
their policies and programmes.
Get more examples
Synonyms
authority, approval, acceptance, ratification, endorsement; sanction, authorization 5
View synonyms
2.1Canadian A period during which a government is in power: the last mandate of Trudeau,
from 1980 to 1984, was a remarkable chapter in Canadian history
Third parties may not always directly influence an election, but they do set the tone for 10
what is discussed and start the next mandate off on a particular foot.
In August 2002, he announced that he would not seek a fourth mandate, but would serve
until 2004.
verb
Pronunciation: /mandet 15
/
[with object] Back to top
1Give (someone) authority to act in a certain way: the rightful king was mandated and
sanctioned by God
Having made this judgment, the Security Council may then mandate the US and its allies
to use force in order to remove him.
With the money, it will acquire and restructure more mills, as mandated by the State
Council.
Well, the problem here is, the ballot initiatives mandate something like 70 percent of the 25
spending in the budget.
Get more examples
1.1Require (something) to be done; make mandatory: the government began mandating better
car safety
Current Army requirements mandate change in order to move into the future.
For such patients, it may be unrealistic to mandate abstinence as a requirement for
treatment.
The federal government has begun mandating it, and they insist that their architects earn
at least a bronze rating. 35
Get more examples
2 (be mandated to) historical (Of territory) be assigned to (another power) under a mandate of
the League of Nations: (as adjective mandated) mandated territories

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Origin
early 16th century: from Latin mandatum 'something commanded', neuter past participle of
mandare, from manus 'hand' + dare 'give'. Sense 2 of the noun has been influenced by French
mandat.
Definition of mandate in: 5
o The US English dictionary
o The English Synonyms
o The US English Synonyms
END QUOTE
10
http://www.merriam-webster.com/dictionary/mandate
END QUOTE
1
mandate

noun \man-dt\
: an official order to do something
15
: the power to act that voters give to their elected leaders

Full Definition of MANDATE

1
20
: an authoritative command; especially : a formal order from a
superior court
or official to an inferior
one
2
: an authorization to act given to a representative <accepted the mandate of the people>
3
25
a : an order or
commission
granted by the League of Nations to a member nation for the establishment
of a responsible government over a former German colony or other conquered territory

b : a
mandated
territory

See mandate defined for English-language learners
See mandate defined for kids
30
Examples of MANDATE

1. Royal mandates must be obeyed.
2. They carried out the governor's mandate to build more roads.
3. He won the election so convincingly that he believed he had been given a mandate for change.
4. Sports fans have considerable forbearance. Year after year they endure escalating ticket prices,
35
the abomination known as seat licensing and the implied mandate that taxpayers should foot the
bill for the new stadium or arena that will absolutely revive downtown. Jack McCallum, Sports
Illustrated, 30 July 2007
5. All provisions requiring congressional approval, such as FDA regulation, were dropped, as were
mandates for stronger package warnings, tighter enforcement on sales to youth, stronger public
40
smoking bans, and provisions to reduce youth smoking. Allan M. Brandt, The Cigarette
Century, 2007
6. Not the least of the Governors' problems are the new mandates being put on them by
Washingtonby a President who was once one of their own. Karen Tumulty, Time, 19 May
2003
45

24
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7.
[+]
more
[-]
hide
Origin of MANDATE

Middle French & Latin; Middle French mandat, from Latin mandatum, from neuter of mandatus, past
participle of mandare to entrust, enjoin, probably irregular from manus hand + -dere to put more at
MANUAL, DO
5
First Known Use: 1501
Related to MANDATE

Synonyms
ACCREDITATION, AUTHORIZATION, DELEGATION, EMPOWERMENT, LICENSE (or LICENCE),
COMMISSION
10
Related Words
COMMENDATION, CONSIGNMENT, ENTRUSTMENT; FACILITATION, FOSTERING, PROMOTION;
COMMANDING, DIRECTING, ORDERING
[+]
MORE
[-]
HIDE
Other Legal Terms

15
ACTIONABLE, ALIENABLE, CARCERAL, CHATTEL, COMPLICITY, DECEDENT, LARCENY, MALFEASANCE, MODUS
OPERANDI
Rhymes with MANDATE

ABATE, ABLATE, ADNATE, AERATE, AGE
-
MATE, AGNATE, AIRDATE, AIRFREIGHT, ALATE, ARTE, AWAIT,
BACKDATE, BALDPATE, BANDMATE, BASEPLATE, BEDMAT...
20
[+]
MORE
2
mandate

verb \man-dt\
: to officially demand or require (something)
: to officially give (someone) the power to do something
25
mandatedmandating
Full Definition of MANDATE

transitive verb
1
: to administer or assign (as a territory) under a mandate (see
1
MANDATE)
30
2
: to officially require (something) : make (something)
mandatory
: ORDER <a law mandating recycling>;
also : to direct or require (someone) to do something <a commission mandated to investigate corruption>
See mandate defined for English-language learners
Examples of MANDATE

35
1. The law mandates that every car have seat belts.
2. He won the election so convincingly that he believed the people had mandated him to carry out
his policies.
3. The carbon prices on the European exchanges are higher precisely because the allowances for
carbon emissions are mandated by government. Al Gore, An Inconvenient Truth, 2006
40
4. But the FDA did nothing. Later, it protested that it doesn't have the authority to mandate additional
studies once a drug is marketed, but that is sophistry. The FDA has the authority to pull drugs off
the market Marcia Angell, New York Review of Books, 8 June 2006
5. For a few tantalizing weeks this spring, the manufacturers of gun safety locks seemed to have hit
the jackpot: the gun-control bill passed by the Senate in the wake of the Littleton shootings
45
mandated that all new handguns be equipped with safety locks. Calvin Trillin, Time, 5 July 1999
6.
[+]more

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http://en.wiktionary.org/wiki/mandate

mandate
Definition from Wiktionary, the free dictionary
Jump to: navigation, search 5
See also: mandat
Contents
[hide]
1 English
o 1.1 Etymology 10
o 1.2 Pronunciation
o 1.3 Noun
1.3.1 Translations
o 1.4 Verb
1.4.1 Derived terms 15
1.4.2 Translations
o 1.5 External links
2 French
o 2.1 Pronunciation
o 2.2 Verb 20
3 Italian
o 3.1 Noun
o 3.2 Verb
o 3.3 Anagrams
4 Latin 25
o 4.1 Participle
English[edit]

Wikipedia has an article on:
Mandate 30
Etymology[edit]
Noun is from Latin mandatum (a charge, order, command, commission, injunction), neut of.
mandatus, past participle of mandare (to commit to one's charge, order, command, commission,
literally to put into one's hands), from manus (hand) + dare (to put). Compare command,
commend, demand, remand. 35

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Verb is from the noun.
Pronunciation[edit]

Noun[edit]
mandate (plural mandates) 5
1. An official or authoritative command; an order or injunction; a commission; a judicial
precept.
Translations[edit]
[show ]official command
Chinese:
Mandarin: (authorisation) (zh),
(zh) (shuqun), (power; right;
privilege) (zh), (zh) (qunl),
(order; command) (zh) (mnglng)
Finnish: mandaatti (fi), valtuutus,
valtakirja
French: mandat (fr) m
German: Mandat (de) n
Italian: mandato (it) m

Japanese: (ja) (, inin),
(ja) (, sashizu)
Malay: Mandat
Persian: (fa) (dastur)
Portuguese: mandato (pt) m
Russian: (ru) m (mandt),
(ru) n (polnomije)
Spanish: mandato (es) m
Turkish: manda (tr)
Verb[edit]
mandate (third-person singular simple present mandates, present participle mandating, simple
past and past participle mandated)
1. to authorize
2. to make mandatory 15
Derived terms[edit]
mandatary
mandator
Translations[edit]
[show ]authorize 20
Chinese:
Mandarin: , (zh) (shuqun)
Finnish: valtuuttaa

French: autoriser (fr)
Russian:
(upolnomivat), (ru)
(avtorizovt), (ru) (odobrjt)
mandate in Websters Revised Unabridged Dictionary, G. & C. Merriam, 1913
mandate in The Century Dictionary, The Century Co., New York, 1911

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French[edit]
Pronunciation[edit]
Homophones: mandatent, mandates
Verb[edit] 5
mandate
1. first-person singular present indicative of mandater
2. third-person singular present indicative of mandater
3. first-person singular present subjunctive of mandater
4. second-person singular imperative of mandater 10

Italian[edit]
Noun[edit]
mandate f
1. plural form of mandata 15
Verb[edit]
mandate
1. second-person plural present of mandare
2. second-person plural imperative of mandare
3. feminine plural past participle of mandare 20
Anagrams[edit]
damante

Latin[edit]
Participle[edit] 25
mandte
1. vocative masculine singular of mandtus

END QUOTE
30
Further business reseach:

QUOTE
http://www.abr.business.gov.au/SearchByName.aspx?SearchText=pinwise+industry+security
QUOTE 35
Search results - Matching names
Matching names

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Related content
Your search for pinwise industry security found 4 matches. Results are listed below sorted by
relevance.
Matching names
43 214 236 194
Active
p.i.s
Trading
Name
6105 WA
57 651 989 455
Active
p.i.s.
Trading
Name
6260 WA
82 772 826 048
Active
Penwise
Trading
Name
(Historic)
3444 VIC
74 078 446 616
Active
PANWEST INDUSTRIES PTY LTD
Trading
Name
6288 WA
END QUOTE
5
http://www.abr.business.gov.au/SearchByAbn.aspx?abn=82772826048
QUOTE
Current details for ABN: 82 772 826 048
Current details
Historical details 10
Disclaimer
ABN detailshelp
Entity name: CURRIE, PENELOPE
ABN status: Active from 23 Jan 2013
Entity type: Individual/Sole Trader
Goods & Services Tax (GST): Registered from 01 Feb 2013
Main business location: VIC 3444
Business name(s)help
Business name From
PENNIE 01 Mar 2013
Disclaimer
The Registrar of the ABR monitors the quality of the information available on this website and
updates the information regularly. However, neither the Registrar of the ABR nor the 15
Commonwealth guarantee that the information available through this service (including search
results) is accurate, up to date, complete or accept any liability arising from the use of or reliance
upon this site.

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ABN last updated: 14 Jun 2013
Record extracted: 05 Aug 2014
END QUOTE

https://connectonline.asic.gov.au/RegistrySearch/faces/landing/bySearchId.jspx?searchId=16259 5
3624&searchIdType=BUSN&_adf.ctrl-state=rrlq25qps_4
QUOTE
View Details

Help

Business
Names
Hide
all
details

PENNIE
ABN 82
772 826
048

Business
Name
Summary

Business name: PENNIE
Status: Registered
Registration date: 1/03/2013
Renewal date: 1/03/2016
Cancelled date:
Cancellation under review:
Address for service of documents: 4 High St KYNETON VIC 3444
Principal place of business: Kyneton VIC 3444
Holder(s) details:
Holder Name: PENELOPE CURRIE
Holder Type: Person
ABN:
82 772 826 048

Debtor representative(s):
not applicable
Notified successor(s):
not applicable
Regulator: Australian Securities and Investments Commission

Former State/Territory registration details
Former identifier:
Former State/Territory:

View
PDF

Information
for
purchase

Purchased information is delivered online unless otherwise specified.
Payment by credit card only.

Example of paid information
15
Business names extract

Current business name information $9.00

Current and historical business name information $17.00

END QUOTE

30
p30 5-8-2014
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https://connectonline.asic.gov.au/RegistrySearch/faces/landing/bySearchId.jspx?searchId=16259
3624&searchIdType=BUSN&_adf.ctrl-state=rrlq25qps_4
ENQUOTE
View Details

Help

5

Hide
all
details

PENELOPE
CURRIE

Person
Summary

Holder Name: PENELOPE CURRIE
ABN: 82 772 826 048
Previous Holder Name:
Business Names:

PENNIE

View
PDF

END QUOTE 10

http://www.abr.business.gov.au/EntityTypeDescription.aspx?Id=00012
QUOTE
Individual/Sole Trader
Definition 15
The Tax Office distinguishes between individuals and non-individuals. Individual is a term used
to identify natural persons and non-individuals is a term used to identify entities other than an
individual such as:
trust
company 20
partnership
superannuation fund
END QUOTE

And Further details about PINwise and searvhes 25

QUOTE
https://www.pinwise.com.au/#help

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What is PINwise
Getting and Using Your PIN
FAQs
5

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Australians need PIN at point-of-sale from 1st August
2014 5
The Industry Security Initiative, a collective of Australias major financial institutions and
card schemes, confirms that PIN has become the main form of card payment authorisation
in Australia starting from 1 August 2014.
The industry-wide move to expand PIN at the point of sale (POS) and phase-out the
signature as a form of verification on Australian credit and debit cards will take place over 10
a short transition period which started on 1 August this year.

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The initiative, which is supported by the PINwise communications campaign, is a national
bid to make Australias payment system even safer.
Starting with some of the nations largest merchants, the move will see all of Australias
800,000 merchant payment terminals undergo a software update to no longer accept
signature as the main form of card authorisation for Australian cardholders. 5
There will be no change to contactless or online transactions and only in some
circumstances such as when using a card issued from a bank overseas, will signature still
be a valid form of verification.
Contact your bank or card issuer for more information on how to get your PIN.
What is PINwise? 10
PINwise is an Initiative of the Australian payments card industry to encourage the use of
PIN instead of signature.
Why?
Using your PIN for credit and debit card purchases at point of sale is safer and faster than
signing. There is only a one in ten thousand chance of someone guessing your PIN. 15
How?
Use your PIN when you make a purchase in person or the quick and convenient contactless
option where available. For any questions about your PIN, contact your bank or card issuer
using the links below.
20

PIN safety tip #1 Choosing your PIN
Dont choose a number thats easy for someone to 25
guess

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Stay away from numbers based on your birth date, driver's licence, phone numbers or other
public/semi-public personal information as fraudsters can easily guess them. Choose something
easy for you to remember but hard for anyone else to guess.

Getting & using your PIN. Choose your institution. 5

10

15

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Or enter the name of your financial institution below.
Being PINwise
What does it mean to be PINwise and why should I use a PIN? 5
Being PINwise means using a PIN to confirm your identity when you use your credit or
debit card to conduct a transaction at a point of sale in Australia. Using a PIN helps protect
against fraud due to lost or stolen cards. This is because the chances of someone correctly
guessing your PIN, which can be from four to six digits long, is very small.
Why is a PIN safer than signing? 10
When using your credit, charge or debit card at the point-of-sale terminal, you enter a PIN
when you authorise your transaction, rather than signing. Your PIN transaction is
encrypted and sent in real-time to your card issuer to be authorised. PIN usage can help
protect against fraud due to lost or stolen cards, because the fraudster would need to have
both your card and your PIN; this is why you should not share/tell your PIN with any other 15
person, only you should know your PIN.
Who is behind the PINwise initiative?
The Industry Security Initiative (ISI) comprises representatives of all Australian financial
institutions that issue Visa, MasterCard, American Express and Diners Club cards plus
representatives of Visa, MasterCard, American Express and Diners Club International. 20
The initiative members represent the payments card industry and their role is to ensure that
there is a consistent experience for consumers when using their credit, charge or debit card
to pay for purchases in Australia, regardless of the financial institution that issues the card.

Getting and Managing Your PIN 25

How do I get a PIN for my card? How do I change my PIN? How do I find out if I have a
PIN on my card already?
Your bank / card issuer will provide you with the PIN for your credit or debit card. If you 30
have forgotten your PIN, the card issuer can provide you with another PIN upon request.
PINs may be issued over the internet, by phone or via mail (usually in a separate envelope
to the actual card). Some card issuers allow their customers to customise and select their
own PIN during the card activation process over the phone.
It will be important that you remember the PIN for each of your debit and credit cards. If 35
you do not remember what PIN they have, it is best for you to contact your bank/card
issuer directly.
Different card issuers have different processes for changing a PIN. It is best for you to
contact your bank/card issuer directly, or visit their website, to find out how to change your
PIN or request a new one. 40
How do I choose a secure PIN?

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Much like choosing a computer password, and, like those passwords, you should keep your
PIN a secret. You should avoid using a PIN that contains repeating characters (like 9999)
or digits in sequence (like 1234), or numbers that represent publically researchable
information, such as your birthday, year of birth, or address.
Some banks and card issuers allow cardholders to set longer PINs, of up to six characters 5
long. A longer PIN number is much harder to guess than a shorter one. A longer PIN may
not be compatible in some overseas locations. In that instance you may have to sign for
goods and services. Longer PINs on debit cards may not be accepted in overseas ATMs for
cash withdrawals.
Will I be able to change my PIN at an ATM? 10
Some financial institutions will allow you to reset your PIN at the ATMs provided by
them. To reset your PIN at an ATM, you will be required to use the existing PIN. Not all
banks will allow a PIN change at ATM. We advise that you contact your bank to
understand all of their specific options for changing your PIN.
What if someone has seen my PIN? 15
If you suspect someone other than yourself knows your PIN, you must immediately change
your PIN, or have a new PIN issued to you, by contacting your bank/card issuer and
gaining further instructions.
What happens if I exceed my PIN tries at an ATM or payment terminal?
If you enter the wrong PIN multiple times in a row, your card may be locked so that 20
fraudsters cannot keep trying to guess your PIN.
Unlocking the card is simple - just contact your bank/card issuer for instructions. For some
cards, it may be possible to unlock your PIN at your banks nearest branch; however it is
best to contact your bank/card issuer for further instructions.
If I return goods for a refund, will I need to enter my PIN to receive the money back? 25
Merchant processes for dealing with refunds may vary. In some cases, you may be asked to
enter your PIN.
What kind of point-of-sale transactions will require me to use a PIN?
Unless conducting a contactless transaction under $100 or a small ticket purchase (under
$35)that does not require PIN or signature , or a transaction at unattended terminals such as 30
a vending machine, a PIN will be required at all point-of-sale terminals in Australia for
purchases of goods and services, as well as cash-out transactions, if your card supports
them.
To find out if your card has cash-out functionality, please contact your bank/card issuer
directly. Also not all merchants support cash-out at point-of-sale. Please ensure that you 35
ask your merchant whether or not it supports cash-out at their terminal.
Who else knows my PIN and who is it safe to reveal my PIN to?
Except for you, no one (not even the card issuing staff) knows your PIN. The PIN must not
be disclosed to anyone, including your bank/card issuer, a member of law enforcement
(e.g. the police) and merchant staff at point-of-sale. However, if you do think someone else 40
knows or has found out your PIN, you must change your PIN immediately, whether it is by
contacting your bank card issuer to have a new PIN issued, or by changing your PIN using
your banks/card issuers ATM or branch network, if supported. Your card issuer will
never ask you to disclose your PIN.
45

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Remembering Your PIN

I am having trouble remembering my PIN; how does this affect me?
You can change your PIN to a four-digit or six-digit number that is easier to remember. 5
Different card issuers have different processes for changing your PIN. It is best for you to
contact your bank/card issuer directly, or visit their website, to find out how to change your
PIN. You should make sure that it is a number that nobody else can easily guess.
What happens if I forget my PIN?
If you type in the wrong PIN three times into the point-of-sale terminal, your card will 10
become locked and you will be unable to complete a point-of-sale transaction. You should
contact your bank or financial institution to obtain instructions on how to unlock it. In
many cases they will ask you to go to one of their branches or ATMs to unlock the card.
When you know your PIN, it will work in an ATM to obtain cash.
If you have forgotten your PIN, or if you dont know if you have a PIN, you should contact 15
your bank or financial institution directly. They will advise you of their procedures for
supplying you with a new or replacement PIN.
I have been told not to write my PIN down - what can I do?
You could change your PIN to a number that is easier for you to remember, ensuring that
you do not use numbers that others could easily guess. For a list of methods of how to 20
change your PIN, it is best for you to contact your bank/card issuer for further instructions.
What if I forget my PIN when I get to the till?
Provided you have not locked your PIN by entering it incorrectly three times, you should
tell the cashier, who will advise you what alternatives are available. If no alternatives are
available, you will have to use a different card or an alternative payment method. 25

Your New Card

What does a chip card look like? 30
Your Australian issued credit or debit card will most likely already have a "smart" chip.
The chip itself is embedded in the card, but the top of the gold/silver contact plate can be
seen from the front of the card, on the left hand side. There will be occasions when the
merchant accepting your card for payment, in Australia and overseas, will not be able to
process a PIN transaction and you will be required to sign instead. Your card will therefore 35
retain both its magnetic stripe and signature strip on the back.
I have just received my new card(s). What should I do with my old card(s)?
When you receive your new card(s), follow the instructions of your bank/card issuer to
activate your new card(s). You should cut up and dispose of your old card securely.
Do all credit, charge and debit cards still need to be signed on the reverse? 40
Yes. This is still necessary, as the signature will continue to be used for verification in
certain situations, such as travelling abroad to a country where where PIN is not used or
where a merchant has not upgraded to a PIN enabled terminal.
How are cards I use for business purposes affected by PIN?
If you have been issued a corporate payment card from your employer, or if you were 45
issued a corporate payment card for a business you own, your corporate cards will be
upgraded to be PIN enabled, much like a regular credit, charge or debit card. Corporate
cards may also be commonly referred to as commercial, business, or company cards, and

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are generally used to make business-related payments such as invoice payments or business
expenses. If you do not have one already, you will need a PIN for these types of card.

Using Your PIN
5

Do all transactions in Australia need a PIN?
No, not all transactions at point of sale will need a PIN, most notably contactless
transactions (Visa payWave, MasterCard PayPass or American Express Contactless) under
$100 do not need to be authorised by a PIN, and do not require a signature today. 10

Other exemptions are:
Certain small ticket payments that do not require signature or PIN under $35
Transactions from most unattended terminals e.g. parking meters, kiosks and vending
machines 15
International transactions (transactions conducted by cardholders with cards issued by
banks outside Australia)
Magnetic stripe transactions (generally on payment cards that do not have a chip, for
example some pre-paid cards and gift cards)
Signature only cards. These cards may be issued by certain financial institutions to 20
accommodate special needs of individual cardholders and are subject to specific
criteria
In each case, the payment terminal that is reading your card will prompt for a PIN if it is
required.
Can I still use the contactless option? 25
Yes. In Australia, where that facility is enabled, you can still tap your MasterCard
PayPass, Visa payWave or American Express Contactless enabled credit or debit card on a
contactless enabled terminal or touchpad to initiate the payment side of the transaction.
When contactless is used, for any transaction under the value of $100 there is no need for
you to PIN or sign. For transactions of $100 or greater you will from August 1st 2014 be 30
asked to PIN.
To check whether the point-of-sale terminal supports contactless transactions, ask the
attendant at the terminal, or simply look at the terminals screen prompt for instructions.
The following symbol indicates that the card and the payment terminal or card
reader can conduct a contactless transaction. 35
Will the PIN I use for making purchases be the same as the PIN used for cash withdrawals
at the ATM?
Yes. Each new card will have one PIN that can be used for cash withdrawals at ATMs, and
purchases at point-of-sale.
Will PINs be used to make card transactions through the Internet or over the telephone? 40

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No. PIN is only applicable when you are physically present at the point-of-sale during the
purchase or cash-out transaction. You should never share your PIN with anyone if
purchasing goods online or via the telephone.
In what cases would cardholders not have to use a PIN?
A PIN is not required for mail or telephone order transactions, or transactions conducted on 5
the Internet.
PIN is only applicable when you are physically present at the point-of-sale during the
purchase or withdrawing cash at an ATM. There are some circumstances at the physical
point-of-sale when PIN is not required (and neither is signature), most notably contactless
(Tap and Go) payments under $100 and low value payments (under $35) at some 10
merchants and transactions from most unattended terminals e.g. vending machines and
parking meters.
There are no circumstances in which you should reveal your PIN when making a purchase
or booking services by mail order or over the telephone or internet.
Please contact your bank/card issuer for a full list of exemptions. 15
What if Im not prompted to enter a PIN?
Where the point-of-sale terminal at the merchant does not prompt you to enter a PIN, you
will be asked to follow the current card payment process, normally using your signature to
confirm the transaction. Note that contactless transactions (Tap and Go) under
$100,some low value transactions under $35 will not require a PIN or a signature and most 20
transactions from unattended terminals e.g. vending machines and parking meters.
How can I add a gratuity in a restaurant?
Most new pay-at-table terminals at restaurants should display the amount that you are
paying and ask if you wish to add a gratuity (often providing the option of adding a
percentage or a dollar figure that you can choose). Follow the display prompts. If you add a 25
gratuity amount, the total amount of the transaction will then be displayed and you will be
prompted to enter your PIN. By doing so you are accepting the total amount of the
transaction.
What happens if I still try to sign for a purchase in Australia?
From August 1st 2014, if the terminal has requested a PIN (likely to see ENTER PIN on 30
the screen) then it will not allow you to continue with the transaction unless your PIN is
entered. Therefore it is important that you have and use a PIN as soon as possible in order
to avoid any issues with processing your payments in the future.
Will I be able to withdraw cash on a card issued by my employer?
The ability to withdraw cash is specific to each bank/card issuer. It is best for you to 35
contact your employer directly, as the ability to withdraw cash may also depend on the
policy of your employer. For further information or help, please contact your card issuer.

After 1 August 2014
40

Why can I still sign sometimes?
From 1 August, there will be a short transition period while the software in all point-of-sale
(POS) terminals across Australia is upgraded. You should still use your PIN with each
transaction, as the number of places where signature is accepted will quickly reduce over 45
the next couple of months.
What if I dont have a chip card?

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After 1 August, Australian issued magnetic-stripe (mag-stripe) cards without an embedded-
chip will still be able to use signature for authorisation; most of these cards will be replaced
with chip-enabled cards by their issuer within the next few months.
Does this impact Tap & Go / contactless?
The operation of Visa payWave, MasterCard PayPass, and contactless payments from other 5
providers, including American Express, for transactions up to $100 will not change in light
of the move to PIN.
What if I cannot use a PIN?
Australians with a genuine need to sign can apply for signature-preferred cards; each
applicant for such a card will be assessed on a case-by-case basis by their bank or card 10
issuer. People cannot opt to have a signature-preferred card simply because they prefer to
sign. The move to PIN only technology is a compulsory security update to Australias
payment system.
What about non-Australian issued cards?
Visitors from overseas will not be impacted by the changes, so they will use signature or 15
PIN to authorize transactions as they did before. Hence signature will still be a valid form
of payment authorisation for most visitors from overseas.

PINwise and Accessibility
20

What if I have an impairment which makes it impossible to use a PIN?
While it is recommended that cardholders always use their PIN if given the option, it is
understood that some cardholders may have a genuine requirement to be able to continue to
sign due to mental or physical impairments, even once the PIN mandate is in force from 1st 25
August. For these select cardholders a number of card issuers will be providing an option
for the cardholder to request a replacement card which will allow them to continue to sign
if they have difficulty using a PIN. You should contact your own financial institution or
issuer if you require further information on this topic.
How does PIN affect those who are blind or partially sighted? 30
The vast majority of PIN pads on point-of-sale terminals have a tactile feature that includes
a raised dot on the middle 5 button. This layout will be familiar to most people with
vision impairments, and should therefore be easier to use. Also, the primary 'function' keys
are colour coded for ease of visibility. Usually, the 'cancel' button is red, the 'clear/cancel'
button is yellow, and the 'Enter/OK' button is green. 35
Many PIN pads are designed to be picked up from their holders, to make it easier and more
secure for you to enter your PIN. You may also come across PIN pads which have been
built into the shop counter, and in restaurants and bars the PIN pads are likely to be
wireless so that you can pay whilst sitting at the table. Whatever the case may be, merchant
staff should always be able to help you through the process and answer any queries. But 40
you should never disclose your PIN to the staff, your PIN should remain confidential/secret
to you.
Research with blind/visually impaired cardholders in February 2013 showed that the vast
majority of those interviewed were happy to use a PIN, having tried it and found it easier
and quicker than signing. If you believe you have a disability that may make it difficult for 45
you to use a PIN, contact your bank/card issuer as they will be able to discuss this with
you.

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I am having trouble using my hands, how does PIN affect me?
Some people may have difficulty with entering PINs, particularly those with physical
conditions such as arthritis or cerebral palsy. If you have a disability and think that you
may have difficulty with PIN due to impairment, please contact your bank/card issuer and
they will discuss options with you. 5
Can I ask the merchant staff to enter my PIN for me?
No. For security reasons, the PIN must never be shared with anyone, even card issuer staff.
If you are unable to use a PIN please contact your card issuer to discuss alternative
methods.
10
Travelling PINwise

What happens when I travel overseas?
If you are travelling overseas, it is a good idea to know your PIN before you leave. It is 15
best to check with your bank/card issuer before travelling overseas, in order to understand
how your bank/card issuers procedures apply and whether you will be asked to enter a PIN
when travelling overseas. This is because some banks/card issuers program their cards to
require a PIN even when used overseas.
If you are travelling overseas, you should contact your bank/card issuer about your travel 20
plans, in order to ensure that they know to expect transactions processed from your country
of destination.
What happens when I travel overseas, but have a longer PIN of six digits?
If you have changed your PIN from the originally issued four (4) digit PIN to a six (6) digit
PIN, some of your transactions may not be successful overseas. You may also encounter an 25
error with your four digit PIN in some countries that require a six digit PIN. The most
widespread standard currently, however, is a 4 digit PIN. Please be aware some countries
and overseas banks have different PIN rules to those in Australia. If you have further
questions about PIN usage overseas, please contact your bank/card issuer for further
information. 30
Is it unsafe to sign for purchases when I go overseas?
Your Australian issued credit or debit card may or may not support PIN when you travel
overseas, depending on your destination. If the equipment at the overseas merchant does
not allow you to use PIN, you should still feel safe that you are protected by signature
verification. Be sure that you have signed the back of your card, and that the merchant 35
checks the signature for verification.
I am visiting Australia as a tourist or on business and I don't have a PIN enabled card - will
I be able to use it in shops?
You don't need to worry. Your cards will still be accepted in Australian shops and by other
businesses including hotels and restaurants. You will simply be asked to sign, just as 40
before.
Top 5 FAQs
Why is a PIN safer than signing?
What happens if I still try to sign for a purchase in Australia?
How do I choose a secure PIN? 45
What happens if I forget my PIN?
What does it mean to be PINwise and why should I use a PIN?
Buy Safe

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Privacy Policy
Copyright
Site Information

About 5
PINwise is an industry security initiative brought to you by Australias major financial
institutions and the international card payment schemes.
END QUOTE

http://who.godaddy.com/whoisstd.aspx?domain=pinwise.com.au&prog_id=GoDaddy&k=k0Fzo 10
zoaVn1MYnh8YY4qcLnRM93tJYx4pP01v6qFV0n3uzpWfzFqDxROYALObOyW
QUOTE
Domain Name: pinwise.com.au
Last Modified: 01-May-2013 01:44:04 UTC
Registrar ID: WAR 15
Registrar Name: Web Address Registration
Status: ok

Registrant: SHIFT COMMUNICATIONS PTY LIMITED
Registrant ID: ABN 79003388387 20
Eligibility Type: Company

Registrant Contact ID: R-007443461-SN
Registrant Contact Name: Kate Meyer
Registrant Contact Email: Visit whois.ausregistry.com.au for Web based WhoIs 25

Tech Contact ID: C-003352501-SN
Tech Contact Name: Kate Meyer
Tech Contact Email: Visit whois.ausregistry.com.au for Web based WhoIs
30
Name Server: ns1.dnspackage.com
Name Server: ns2.dnspackage.com
END QUOTE

http://www.abr.business.gov.au/SearchByAbn.aspx?SearchText=79003388387 35
QUOTE
Current details for ABN: 79 003 388 387
Current details
Historical details
Disclaimer 40
ABN detailshelp
Entity name: SHIFT COMMUNICATIONS PTY LIMITED
ABN status: Active from 24 Mar 2000

43
p43 5-8-2014
A 1
st
Entity type: Australian Private Company
Goods & Services Tax (GST): Registered from 01 Jul 2000
Main business location: NSW 2016
Trading name(s)help
Trading name From
FAME ADVERTISING 24 Mar 2000
ASIC registration - ACN or ARBN
003 388 387 View record on the ASIC website
Deductible gift recipient statushelp
Not entitled to receive tax deductible gifts
Disclaimer
The Registrar of the ABR monitors the quality of the information available on this website 5
and updates the information regularly. However, neither the Registrar of the ABR nor the
Commonwealth guarantee that the information available through this service (including
search results) is accurate, up to date, complete or accept any liability arising from the use
of or reliance upon this site.
ABN last updated: 31 May 2011 10
END QUOTE

http://www.abr.business.gov.au/EntityTypeDescription.aspx?Id=00019
QUOTE 15
Australian Private Company
Definition
A private Australian company is not listed on the stock exchange and is not included in the
description of Australian public company or cooperative.
END QUOTE 20

http://www.abr.business.gov.au/SearchByAbnHistory.aspx?abn=79003388387
END QUOTE
Historical details for ABN: 79 003 388 387
Current details 25
Historical details

44
p44 5-8-2014
A 1
st
Disclaimer
ABN detailshelp
Entity name From To
SHIFT COMMUNICATIONS PTY LIMITED 02 Mar 2011 (current)
THE BRANDSHOP PTY LIMITED 19 May 2006 02 Mar 2011
FAME ADVERTISING PTY. LIMITED 09 May 2002 19 May 2006
FAME ADVERTISING PTY.LIMITED 24 Mar 2000 09 May 2002
ABN Status From To
Active 24 Mar 2000 (current)
Entity type
Australian Private Company
Goods & Services Tax (GST) From To
Registered 01 Jul 2000 (current)
Main business location From To
NSW 2016 30 May 2011 (current)
NSW 2021 27 Jul 2007 30 May 2011
NSW 2088 24 Mar 2000 27 Jul 2007
Trading name(s)help
Trading name From To
FAME ADVERTISING 24 Mar 2000 (current)
ASIC registration - ACN or ARBN
003 388 387 View record on the ASIC website
Deductible gift recipient statushelp
Not entitled to receive tax deductible gifts

45
p45 5-8-2014
A 1
st
Disclaimer
The Registrar of the ABR monitors the quality of the information available on this website
and updates the information regularly. However, neither the Registrar of the ABR nor the
Commonwealth guarantee that the information available through this service (including
search results) is accurate, up to date, complete or accept any liability arising from the use 5
of or reliance upon this site.
ABN last updated: 31 May 2011
END QUOTE
10
http://www.abr.business.gov.au/SearchByName.aspx?SearchText=SHIFT+COMMUNICATIONS+PTY+LIMITED
QUOTE
Search results - Matching names
Matching names
Your search for SHIFT COMMUNICATIONS PTY LIMITED found 24 matches. Results are 15
listed below sorted by relevance.
Matching names
79 003 388 387
Active
SHIFT COMMUNICATIONS PTY LIMITED Entity Name
2016
NSW
65 016 529 306
Active
SHIFT
Trading
Name
4121
QLD
21 735 418 359
Active
SHIFT
Trading
Name
(Historic)
2026
NSW
21 795 905 515
Cancelled
SHIFT
Trading
Name
3678 VIC
42 457 784 814
Active
Shift
Trading
Name
4213
QLD
27 067 292 435
Active
Shift Other Name 6110 WA
35 792 477 210
Active
Shift Other Name
2783
NSW
88 123 119 755
Active
SHIFTA CORPORATION PTY LTD Entity Name 3207 VIC
90 137 677 117
Active
SHIFTA PTY. LTD. Entity Name
2620
NSW
67 161 142 249
Active
SHIFTE PTY. LTD. Entity Name 3141 VIC
21 735 418 359
Active
SHIFTT
Trading
Name
2026
NSW
35 991 749 322
Cancelled
SHAFT
Trading
Name
2287
NSW
42 094 359 743
Cancelled
SIFT PTY LIMITED Entity Name
2000
NSW
82 079 677 053
Active
SOFT COMMUNICATIONS PTY LTD Entity Name
2137
NSW
18 162 074 302
Active
THE SHAFT
Business
Name
4570
QLD
24 378 909 039
Cancelled
THE SHAFT
Trading
Name
(Historic)
4570
QLD
84 706 670 560 SHIFTY Trading 2290

46
p46 5-8-2014
A 1
st
Active Name NSW
30 087 948 561
Cancelled
SHIFTY PTY LTD
Entity Name
(Historic)
3215 VIC
61 440 509 430
Active
SOFT COMMUNICATION AUSTRALIA
Business
Name
2075
NSW
68 768 287 285
Cancelled
SOFT COMMUNICATION AUSTRALIA Other Name
2009
NSW
16 526 368 957
Cancelled
shifty
Trading
Name
2750
NSW
17 760 804 195
Active
shifty.inc
Trading
Name
3156 VIC
31 134 245 686
Cancelled
S.H.F.T. PTY. LIMITED Entity Name
2120
NSW
36 547 251 695
Active
SHFTA
Business
Name
6060 WA
END QUOTE

Even so the PINwise website refers to request a card which will allow them to continue
to sign reality is that I did so on 28 July 2014 and first was given the understanding by
both Rosanna branch staff Lisa and subsequently by the branch manager Robyn McIntosh 5
that this was not available, but upon my insistence they call head office, upon which then
Robyn McIntosh acknowledged that there was an option for a signature card but that she
would come back to me after contacting Head office (Westpac) again. Subsequently via text
message to my mobile she made known no signature was possible.
As shown below (in the quoted details of the website) the request was made and it doesnt 10
indicate that such request must be supported by a medical certificate, yet Westpac added
this to it. Which seems to me to mean that it got nothing to do with a mandate or some
government requirement but rather a concocted way to swindle customers to every extend
and to circumvent the provisions of the Age Discrimination Act 2004 and the Disability
Discrimination Act 1992. 15

https://www.pinwise.com.au/#help
QUOTE
What if I have an impairment which makes it impossible to use a PIN?
While it is recommended that cardholders always use their PIN if given the option, it is 20
understood that some cardholders may have a genuine requirement to be able to continue to
sign due to mental or physical impairments, even once the PIN mandate is in force from 1st
August. For these select cardholders a number of card issuers will be providing an option
for the cardholder to request a replacement card which will allow them to continue to sign
if they have difficulty using a PIN. You should contact your own financial institution or 25
issuer if you require further information on this topic.
END QUOTE

This correspondence is not intended and neither must be perceived to contain legal advice
nor to refer to all issues/details. 30

(Our name is our motto!)
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit)

20140805-G. H. Schorel-Hlavka O.W.B. To Financial Ombudsman Service - Re Signature Card-etc-Case Number 369877

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