PRODUCT DISCLOSURE STATEMENT
FOR THE
JACKPOT CLUB LOYALTY SYSTE

Issued by Noxville Pty Ltd t/a The Jackpot Club ABN 17 249 284 416
Effective Date: 1st May 2012

This Product Disclosure Statement (PDS) is important. It describes the features, benefits, risks, terms and conditions, and fees and charges applying to the Jackpot Club Loyalty System.

The PDS was prepared on 1st May 2012, but only takes effect from the date shown above.

The Jackpot Club Loyalty scheme is operated by:

Worldsmart Technology Pty Ltd ABN 64 094 659 542.
Principle place of business is Level 2, 50 Greenhill Road Wayville SA 5034.

Please read the PDS carefully. It will help you to:

• decide whether the Jackpot Club Loyalty System will meet your needs; and
• compare the Jackpot Club Loyalty System to other loyalty services.

You may contact us:

• by calling (08) 8357 7488, during business hours; or
• by email: info@jackpotclub.com.au
• by writing to us at c/o The Jackpot Club General Manager, Level 2 50 Greenhill Road Wayville South Australia 5034

This PDS is divided into:

Section A – A summary of the features, benefits and risks applying to the Jackpot Club Loyalty System.
Section B – Fees and Charges applying to a Jackpot Club Loyalty System.
Section C – Terms and Conditions that apply to the Jackpot Club Loyalty System

Section A.

A summary of the features, benefits and risks.

Features:

The Jackpot Club Loyalty System is a smartcard based loyalty system that allows you to earn points and participate in other promotional activities at any Jackpot Club merchant. Simply look for the Jackpot Club logo to participate in promotions and to earn and redeem points.

Points are awarded every time you produce your J card and purchase products and or services at a participating Jackpot Club merchant.

Each point has a value of 1 cent;

Points accumulated throughout each month will remain active until the 1st day of the 12th month thereafter.

Jackpot merchants can from time to time offer bonus J points for promotional purposes which enable you to earn more J points just by using your J card and or entre into Promotional Activities;

J points are available for redemption, as soon as you meet any qualifying requirements;

The number of J points earned and the current J point balance is available each time you present your J card.

You can continue to redeem J points on your J card from participating Jackpot Club merchants, even if the merchant that issued the points has ceased to participate in the Jackpot Club Loyalty System.

Benefits:

The Jackpot Club Loyalty System gives you an instant, relevant reward. The system gives you the choice to choose where you want to redeem your J points. It is simple to use. Just give the merchant your J card at every available transaction and you will earn J points. Your J points may then be used to purchase goods and services at selected Jackpot Club merchants, and can even be redeemed for cash.

You don't have to wait for a statement or redemption voucher to redeem your J points; they are available at your very next transaction with any Jackpot Club merchant regardless of where you earned your J points. You can redeem what you want when you want.

The Jackpot Club Loyalty System is a loyalty scheme designed to reward you instantly. It is simple, relevant and gives you the power to choose what you want when you want.

In relation to other promotional activities it is designed to allow you to choose to participate and be rewarded for you patronage to the venue.

Risks:

If you lose your J card you risk losing your J points. Lost J cards can be locked thereby reducing your risk. Report all lost J cards immediately, see Terms and Conditions below.

If you don't redeem your J points within 12 months the J points expire so it is important that you check your point balance and redeem your J points regularly.

Points accumulated throughout each month will remain active until the 1st day of the 12th month thereafter

Section B.

Fees and Charges

Some merchants may charge for a J card.

Some merchants may at their discretion charge for a replacement J card if a card has been lost. Defective or faulty J cards will be replaced at no cost.

There are no transactions or account keeping charges.

Any tax, liability, or duty arising from you participation in the Jackpot Club Loyalty System is the cardholders responsibility.

Section C.

The Jackpot Club Loyalty System

General Terms and Conditions

These Terms and Conditions apply to the Jackpot Club Loyalty System and shall come into force immediately upon you using the J card. These Terms and Conditions may change from time to time and you can obtain a copy of the current Terms and Conditions from the Jackpot Club Loyalty System operator by telephoning (08) 8357 7488, during business hours or visiting the web site at www.jackpotclub.com.au

1   Meaning of Words.

In this Product Disclosure Document:

'J Card' means a smartcard issued to you that incorporates the Jackpot Club Loyalty System and carries the Jackpot Club logo

'Conditions' and 'Terms and Conditions' means the terms and conditions contained in this Product Disclosure Statement

'Jackpot loyalty point' or 'J point' means a loyalty point issued or redeemed by any Jackpot Club merchant in connection with the Jackpot Club Loyalty System.

'Merchant' means a Jackpot merchant participating in the Jackpot Club Loyalty System from which you may collect or redeem Jackpot loyalty points by purchasing goods or services from the respective merchant or by participating in gaming operations.

'Member' means you the card holder who is a member of the Jackpot Club Loyalty System.

'Promotional Activities' means a structured program, with published terms and conditions, which provides rewards in respect of gambling activity which relate directly to the activity or to particular levels of gambling activity including but not limited to; Trade Promotions, Loyalty Points, Ticket Printers, Draws etc.

'Smartcard' means a plastic card containing a microprocessor chip with encryption for data access and storage and which carries the Jackpot Club logo.

'Terminal' means an electronic terminal located at merchants at which you may use a J card to earn or redeem J points.

'You' means the member who completed the Jackpot Club Loyalty System membership application form and any person who uses the J Card

'We', 'us', 'our' and 'ours' means the Jackpot Club

'Worldsmart' means Worldsmart Technology Pty Ltd (ABN 64 094 659 542)

'Jackpot Club Loyalty System' means a smartcard based loyalty program operated by Worldsmart or its authorised representatives, and means those arrangements by which a member is rewarded by collecting J points and other promotional activities by purchasing goods and services from merchants using their J card and is able to redeem J points or offered additional rewards in accordance with these Terms and Conditions.

The Jackpot Club 'database' refers to the database mentioned in clause 7 of these Terms and Conditions

The Jackpot Club 'logo' means the logo approved by the Jackpot Club

Jackpot Club 'operator' means Worldsmart

'Turnover' is defined as the total dollars bet from the credit meter of a gaming machine.

'Playsmart' refers to the voluntary pre-commitment system available to Members via the Jackpot Club Loyalty System.

'Playsmart Cycle' refers to the designated period in which Playsmart limits have been set. A Playsmart cycle can be daily, weekly fortnightly or monthly.

'Player Activity Statement' is a statement which outlines the gaming activities of a cardholder for a nominated period where gaming activity has occurred.

2   Membership

2.1   Any person over the age of 18 years may apply to become a member by completing an application form at any Jackpot merchant. Some merchants may impose additional terms and conditions.

2.2   On completion of a membership application form, you will be issued with a J Card. Your J Card contains a record of your J points. Your J Card may be provided immediately, collected by arrangement, or sent to you by post.

2.3   Membership to the Jackpot Club system is free. However some merchants at their discretion may charge you for a J Card or provide some value added offer to encourage participation in the system. You may use your J Card immediately upon receipt.

2.4   Your J Card can be used at any merchant or where the Jackpot logo is displayed.

2.5   You can check the number of J points on your J Card at any Terminal.

3   How to earn J points

3.1   A merchant may credit J points to your J card for purchases. J points may also be credited to your J card for promotional and incentive programs including promotional Activities offered by merchants from time to time. The Jackpot Club and its merchants will determine which goods or services qualify for the promotional activities and the number of points that will be credited to your J card for such purchases.

3.2   In order to obtain J points, you must notify the merchant prior to the purchase transaction that it is a J point purchase by presenting your J card at the point of sale.

3.3   From time to time there may be promotions that give you the opportunity to earn more J points and or enter into other promotional activities. You earn J points regardless of how you pay.

4   How to use J points

4.1   When you have accumulated sufficient J points on your J card you may request to redeem those J points. Redemption of J points can occur at any merchant, regardless of where the J points were issued.

4.2   The Jackpot Club and/or its merchant(s) may set a minimum redeemable value and this may vary for different goods or services. Merchants will redeem J points for goods purchased or as part payment for goods or services if you so request on production of your J Card.

4.3   The number of J points redeemed at your request will be deducted from the J point balance on your J card, with the oldest J points being deducted first.

4.4   You will not be able to have J points issued or redeemed by a merchant after that merchant has ceased to be a participant in the Jackpot Loyalty System. However, you will be able to redeem J points that previous merchants have issued, at current participating merchants, even though the issuing merchant is no longer participating in the Jackpot system.

4.5  The Jackpot Club is not liable for your failure to notify a merchant that the purchase is a J card transaction.

4.6  Points will be credited to your J card immediately. J points may be redeemed at any merchant. J points cannot be earned and redeemed in the same transaction.

4.7  The maximum number of points that may be stored on your J card at any one time is 200,000. Accordingly you should ensure that you redeem any J points that you may have earned before that number is reached. In the event that your card exceeds 200,000 J points any additional J points will not be valid and cannot be redeemed.

4.8   The Jackpot Club is not liable if a merchant fails to accept a J Card, or if a terminal displaying the Jackpot Club logo is unavailable for use or cannot be used.

4.9   Any tax, liability, or duty arising from your participation in the Jackpot Club Loyalty System is your responsibility.

5   J points and Gaming Machines – South Australia

5.1   A J card can be used in gaming machines in South Australia to accumulate J points or enter into other promotional activities.

5.2   J points that have been credited to a J card issued by a merchant as a result of participating in the playing of gaming machines can be redeemed for goods or services, or cash at any other merchant. You may also be offered entry into promotional activities by the playing of gaming machines.

5.3   J card holders participating in gaming machine operations accumulate in J points a minimum of 0.30% of their respective gaming turnover.

5.4   Merchants at their discretion may offer further promotional J points for participation in gaming operations. Such circumstances include, but are not limited to; double/triple points and random promotional J point draws and other promotional activities.

6   J card and 'Playsmart' pre-commitment operating system – South Australia

6.1   J card holders participating in gaming operations are offered a voluntary pre commitment system that can be used in conjunction with the Jackpot Club Loyalty program. The product is known as Playsmart.

6.2   Playsmart is free to use and allows any J cardholder to set their own gaming limits i.e. money spent; time played or breaks in gaming play.

6.3   Playsmart limits are set for a designated period know as the Playsmart cycle. A Playsmart cycle can be daily, weekly, fortnightly or monthly.

6.4   J cardholders can set their Playsmart limit(s) at any participating Jackpot merchant, or via a secure on line customer web portal.

6.5   When a Playsmart limit is reached, the J cardholder is alerted via a discreet beep and message at the gaming machine terminal.

6.6   When a j cardholder sets a Playsmart limit, those limits are instantly monitored via the operator at any and all participating Jackpot merchants.

6.7   Playsmart is confidential and offers J cardholders a Player Activity Statement. A Player Activity Statement outlines the gaming activity of a J card holder for any chosen period where gaming activity has occurred.

6.8   J cardholders can view their Player Activity Statement via the Card Holder Portal.

7   Deductions of J points

7.1   In addition to deductions for redemptions, the Jackpot Club will deduct from the points balance, any J points credited in error and any J points relating to a transaction which is cancelled or reversed or where a refund is given.

7.2   In the event of there being insufficient J points on your J card, the merchant may require payment for any J points issued at the time of the transaction for which the refund is being sought.

7.3   To obtain a refund, the cash register receipt evidencing the allocation of J points and your J Card must be produced. This requirement is in addition to any other proof of purchase required by the merchant.

7.4   J Points accumulated throughout each month will remain active until the 1st day of the 12th month thereafter. J points redeemed at your request will be deducted from the J point balance on your J card, with the oldest J points being deducted first.

7.5   The Jackpot Club, its service agents and merchants reserve the right to make any changes at any time without prior notice and in their absolute discretion to:

• (a)   the goods and services which are qualifying Jackpot Club goods and services; and


• (b)   the number of J points which you will receive as a result of acquiring such goods and services; and


• (c)  the number of J points which are required, to redeem qualifying Jackpot Club goods and services.


• (d)   The promotional activities offered to members using their J card while playing gaming machines.

8   Lost, stolen, faulty or damaged J Cards

8.1   If your J Card is faulty or damaged when issued, or becomes damaged through no fault of your own, you can obtain another J Card and request the J points recorded on the faulty or damaged card be credited to the replacement J Card. This can be done at any merchant. However, it may take some time to confirm the number of J points on the faulty or damaged J Card.

8.2   The Jackpot Club will not be responsible for any delay in replacing J points on a faulty or damaged J Card.

8.3   If a J Card is lost or stolen it must be immediately reported as lost or stolen to any merchant, who will then "lock" the J Card.

8.4   The Jackpot Club and Worldsmart will take all reasonable steps to confirm the number of J points recorded on the lost or stolen J card at the time that the J Card is locked. This may take up to 14 days from the time that you report your J Card as lost or stolen.

8.5   Points recorded on a locked J Card may be transferred to a replacement J Card or may be redeemed.

8.6   The Jackpot Club will not be responsible for any delay in replacing J points on a lost or stolen J Card, or for any unauthorized use of a J Card. Merchants may charge for replacing lost or stolen J Cards.

9   Personal information about you

9.1  Information concerning you, including information contained in the Jackpot Club application form, and information as to transactions resulting in J points will be held in a database for the Jackpot Club and its merchants. The Jackpot System database may contain the following information about you:

• your name, address, e-mail address & telephone number(s); and


• your date of birth; and


• your transaction details associated with the issue and redemption of J points; and


• any J points issued to you or redeemed by you.

9.2   The database will also be made available to and used by the Jackpot System operator, its employees and agents, participating marketing groups, merchants and suppliers for administration, marketing (direct and all other kinds), planning, product development, research and other commercial purposes.

9.3   Each Member consents and agrees to:

• the provision of the information on the application form to the Jackpot Club and authorises Worldsmart to seek access to the information contained in it; and


• the disclosure of information from each participating marketing group and merchant to the Jackpot Club and/or its agents for the purposes set out above and authorises the Jackpot Club, employees and its agents, to seek access to information from each participating marketing group and merchant as set out above; and


• the disclosure of any information contained in the Jackpot Club database by the Jackpot Club operator, employees or its agents to the participating, marketing groups and merchants for the purposes referred to above, and authorises merchants to seek access to any information contained in the Jackpot Club database.

10   Your Privacy

10.1   We understand the importance of protecting your privacy and we are committed to comply with the Privacy Act 1988, and to the National Privacy Principles.

10.2   If we obtain your personal information in accordance with any authority you give us, we handle your personal information in accordance with the privacy statement in our privacy brochure, entitled "Privacy Statement". You can obtain a copy of the brochure by calling (08) 8357 7488. Our privacy policy is also available by visiting our website www.jackpotclub.com.au

10.3   We use your personal information to:

• administer and manage the Jackpot Club Loyalty System;


• respond to any query raised by you or any participant in the Jackpot Club System; and


• facilitate our internal business operations, including fulfillment of any legal requirements and confidential systems maintenance and testing.

10.4   We may disclose your personal information if it is necessary to do so in the following circumstances:

• to our external service providers that provide services for the purposes only of our business, on a confidential basis, for example organisations providing J Card authorisation, clearing and settlement services and mailing houses;


• to anyone with whom you transact using your J Card, to process your Jackpot Club System transaction;


• to Worldsmart or any other administrator or agent appointed to administer the Jackpot Loyalty System;


• to administer your involvement in the Jackpot Club System;


• to resolve queries raised by you or any participant in the Jackpot System.

10.5   We acknowledge that, as well as our duties under legislation, we owe a general duty of confidentiality to you. However, in some cases we may disclose your personal information if:

       (a)  disclosure is compelled or permitted by law; or

       (b)  there is a duty to the public to disclose; or

       (c)  our interests require disclosure; or

       (d)  disclosure is made with your express or implied consent.

10.6   We may disclose information about or provided by you to employees or outside contractors for the purpose of our businesses. Any outside contractor to whom we disclose information will have access to that information only for the purpose of our business and is prohibited from using that information for any other purpose whatsoever.

10.7   You agree that we may disclose information about you in those cases where the Privacy Act 1988 (Commonwealth) permits disclosure of such information.

10.8   You may request us:

       (a)  for details of the personal information we hold about you; and

       (b)  to correct any of the personal information we hold about you.

       We will deal with your request for access to information or correction of information within a reasonable time.

10.9   You authorise each merchant or service agent of the Jackpot Club Loyalty System to seek access to the personal information we hold about you if you request us to do so or if you consent (for example, to credit unused J points to a replacement J card) or where the law requires or permits us to do so.

11   Termination and restrictions on transfer of J points

11.1   The Jackpot Club reserves the right to suspend or terminate the Jackpot Club Loyalty System at any time without prior notice. Confirmation of that termination will be sent to you by post. That confirmation will set out the reasons for termination and the location where J points, if any, can be redeemed. The Jackpot Club will not be liable for the suspension or termination of the Jackpot Club Loyalty System including (without limitation) J points on your J Card at the time of suspension or termination.

11.2   You may terminate your membership in The Jackpot Club at any time by giving returning your J Card to any merchant. You may redeem any J points recorded on your J Card at the time you return your J Card provided that they have not expired.

11.3   The Jackpot Club may terminate your participation in the Jackpot Club Loyalty System without notice for any reason. Confirmation of that termination will be sent by post to you. That confirmation will set out the reasons for termination and the location where J points, if any, can be redeemed.

11.4   In the event of your membership being terminated, your details will be removed from the Jackpot Club database. However, for audit purposes a record of your transactions will be maintained. In the case of your membership being cancelled by the Jackpot Club System operator, the reasons for termination will also be maintained. This information will be retained for a period of three (3) years.

11.5   J points cannot be sold, transferred, assigned or otherwise dealt with except in accordance with these Terms and Conditions. J points have a value of one cent in Australian currency, per point.

12   Warranties and liabilities

12.1   All conditions and warranties whether express or implied and whether arising under statute or otherwise, as to the condition, suitability, quality, fitness or safety of any goods or services supplied under the Jackpot Club Loyalty System are expressly excluded to the full extent permitted by law. Any liability The Jackpot Club may have to you under statute in respect of such goods and services which cannot be excluded is limited, where permitted, to the value of the J points issued at the time of the supply of the goods or services, at the option of The Jackpot Club.

12.2   Any liability that the Jackpot Club may have to you whether for negligence, breach of contract or otherwise is limited in any case to a maximum of one (1) cent in Australian currency for each point on your J Card at the time the liability arose. Merchants do not have any authority, express or implied, to make any representation, warranty or statement on behalf of the Jackpot Club and the Jackpot Club accepts no liability in respect of such representations, warranties or statements.

13   Notices

Where these Conditions require notification of any kind to be given, such notification shall be deemed to be given by the Jackpot Club to you, if it is sent to your postal or e-mail address appearing in the Jackpot Club database.

14   Errors, disputes and complaints

14.1  If you believe an error has been made, or an unauthorised transaction has occurred, or if you have a complaint, you should call the telephone number on the reverse of your J Card or call us on (08) 8357 7488 immediately. If we cannot resolve the error or complaint we will ask you to put your complaint in writing and send it to:

• The General Manager,
• Jackpot Club
• Level 2, 50 Greenhill Road,
• Wayville SA 5034

We will correct any error that is found to be ours as soon as possible.

14.2   If we do not immediately resolve your complaint to your satisfaction we will inform you in writing of our procedures for investigating and handling complaints. We will notify you of the name and contact number of the person who is investigating your complaint.

14.3   We will respond to you about any complaint (normally within 28 days). If we need more time or details to complete our investigation, we will inform you in writing. Unless there are exceptional circumstances, we will complete our investigation within 45 days.

14.4   Where an investigation continues beyond 45 days, we will inform you of the reasons for the delay, give you monthly updates on the progress of the investigation and a date when a decision can reasonably be expected. We will not do this if we have requested a response from you and we are waiting for that response.

14.5   We will inform you in writing of the outcome, unless we settle the dispute immediately to the satisfaction of you and us. If the dispute relates to a transaction, or otherwise is not resolved to your satisfaction, we will inform you of the reasons in writing and of any further action you can take to resolve the dispute.

14.6   There are other external avenues for dealing with disputes. Your State or Territory Government has a consumer rights protection agency such as the Office of Fair Trading. Telephone numbers are in the telephone directory.

15  Changes to this PDS

15.1   This PDS can be changed by us at any time if we change it in accordance with any applicable law.

15.2   Any changes will be published on our web site at www.jackpotclub.com.au we will notify you of any change that imposes or increases any fees that you may be asked to pay to participate or continue to participate in the Jackpot Club Loyalty System. For all other changes, we may inform you of the change by advertising the change in the national or local media at our discretion.

16   More information

If you want more information about using the Jackpot Club Loyalty System, call the telephone number on the reverse of the Card during business hours, contact us on 08 8357 7488 or email info@jackpotclub.com.au.