CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN.

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1 CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN.

2 THE LARGEST REWARDS PROGRAM OF ANY BANK IN AUSTRALIA.* Welcome to CommBank Awards. Inside, you ll find all the information on our range of partners, travel, Gift Cards and Awards. Check out the full range of Awards online or through the CommBank app. Log on to netbank.com.au, click on the Awards icon next to your credit card details; or Tap on the Awards link below your CommBank Awards card in the CommBank app. OVERVIEW Your guide to the Awards program 03 PAY WITH POINTS PARTNERS Flight Centre 04 Myer 05 TRAVEL Frequent Flyer 06 Bonus Partners 07 GIFT CARDS & MERCHANDISE Merchandise Gift Cards 10 HOW TO REDEEM How to Redeem 11 * Source: Roy Morgan Research September Based on number of customers with rewards or loyalty cards.

3 YOUR GUIDE TO THE AWARDS PROGRAM. It s never been easier to earn points It s simple any time you re using your CommBank Awards American Express Card or CommBank Awards MasterCard on eligible purchases, you re earning points towards rewards. Check out our table to see how your points can grow. Awards points earned per dollar spent Tier American Express MasterCard/Visa* Awards up to 1.5 up to 1 Partner Offers We believe in spreading good cheer. That s why we ve teamed up with a range of partners who will help you earn bonus points. Check out our current deals on the Partner Offers page of the Awards website, or go to page 7 for a list of our bonus partners. Don t have a CommBank Awards American Express Card? Just register online via NetBank or call us on , and we ll get you set up. Gold up to 2 up to 1 Platinum up to 2.5 up to 1 Diamond up to 3 up to 1.25 * Diamond Awards Visa Card is available for existing customers only. 03

4 TURN YOUR COMMBANK AWARDS POINTS INTO TRAVEL AT FLIGHT CENTRE There are no blackout dates when you redeem your points for travel at Flight Centre. Your points convert into dollars to spend at Flight Centre for travel anywhere, anytime. How to redeem your points Visit a Flight Centre Airfare Expert in-store. Call Visit the CommBank Awards website to book domestic and international flights and domestic accommodation. Log on to the CommBank app and tap on the Awards link under your Awards card. Things you should know: Minimum redemption of 2,500 Awards points applies. All travel products and offers from Flight Centre Limited are subject to availability and can only be booked by the general public. The redemption of Awards points for travel at Flight Centre Limited is subject to terms and conditions of the CommBank Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group Limited (ABN ) trading as Flight Centre, Escape Travel, Student Flights, Travel Associates & Cruiseabout. ATAS - Travel Accredited No. A Travel Agent Licence Numbers: WA 9TA 589.

5 POINTS BECOME PURCHASES AT MYER. Rewards on the spot with Myer and CommBank Awards It makes sense to give you options for redeeming your points. So in an Australian department store first, we ve teamed up with Myer to give you access to thousands of rewards in-store. How it works Head in to any Myer store and get browsing. Choose what you d like to purchase, then: Present your CommBank Awards credit card at the register and ask to pay with points. Not enough points? Choose Points Plus Pay and split your purchase between your CommBank Awards points and your CommBank Awards credit card. Enjoy. And don t forget, if you have a MYER one card, you can earn credits on these purchases too. Exclusive to CommBank Awards credit card customers. Things you should know: CommBank Awards points are redeemable in store at Myer only. A minimum redemption and a maximum of 1 million points redemption applies per day. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Myer in its sole discretion may refuse the use of Awards points, for any reason, including without limitation, in cases of communication network failure, tampering, unauthorised intervention, fraud (actual or suspected), technical failure or any cause beyond the control of Myer. Awards points cannot be used at Myer towards payment of Myer Store or Myer Visa card accounts, lay-by accounts; purchase of Coles Group and Myer Gift Cards; purchases at some food and service outlets; and Miele appliances. Product is for illustrative purposes only.

6 THE SKY S THE LIMIT WITH YOUR AWARDS POINTS. CommBank Awards are all about flexibility. There are a variety of ways to transfer points to our airline partners, helping you get closer to that holiday you ve been dreaming of. For more information, jump on to Redeem Travel > Velocity and Qantas Frequent Flyer on the Awards website. Qantas Frequent Flyer 1 To start earning Qantas points, you need to be a member of the Qantas Frequent Flyer program, and opt into Qantas Frequent Flyer Direct. Once you re signed up, all future CommBank Awards points earned will be automatically transferred to your Qantas Frequent Flyer account monthly. Velocity Frequent Flyer 2 With Velocity Frequent Flyer, the global frequent flyer program of Virgin Australia, you can earn and redeem Velocity Frequent Flyer Points around the globe with their network of program partners. Use your Velocity Frequent Flyer Points to travel to over 500 destinations worldwide with Virgin Australia and their airline partners, including Singapore Airlines, Etihad Airways, Air New Zealand and Delta Air Lines. 1 Qantas Frequent Flyer point = Awards Gold Platinum Diamond 2.5 CommBank Awards points 2.5 CommBank Awards points 2.5 CommBank Awards points* 2.5 CommBank Awards points* 1 Velocity Frequent Flyer point = Awards Gold Platinum Diamond 2.5 CommBank Awards points 2.5 CommBank Awards points 2 CommBank Awards points 2 CommBank Awards points Things you should know: 1 To opt-in to Qantas Frequent Flyer Direct, call There is a $30 annual fee charged for opting in. Qantas Points are offered by CommBank and accrue in accordance with and are subject to the CommBank Awards Program Terms and Conditions available at commbank.com.au/creditcardstc. Exclusions, points caps and limitations apply. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office, unless made using a Business Awards card, or balance transfers) - see commbank.com.au/creditcardstc for more information. Point s caps reset each year in January. Customers must be opted in to Qantas Frequent Flyer Direct to earn Qantas Points. Once a customer has opted in to Qantas Frequent Flyer Direct, all CommBank Awards points earned after opting in will be automatically redeemed for Qantas Points and transferred monthly to their Qantas Frequent Flyer account at the applicable conversion rate. *The conversion rates shown above for Platinum and Diamond cards is effective 2 May Prior to that date the conversion rate for Platinum and Diamond cards is 1 Qantas Frequent Flyer point = 2 CommBank Awards points. It is important to note that any CommBank Awards points earned prior to the date of your opt-in cannot be transferred to your Qantas Frequent Flyer account. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer program terms and conditions. Further information on the Qantas Frequent Flyer program including the terms and conditions of the program are available at qantas.com/terms or by calling A minimum of 3,600 Awards points must be redeemed for Velocity Points and additional points must be in increments of 1,000 points. Velocity Points will appear on Member s accounts within 5 business days. Please note that points can only be transferred to a Velocity Account in the same name as the primary cardholder of the CommBank Awards account. Once CommBank Awards points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms & Conditions and cannot be reversed.

7 SHOP WITH OUR BONUS PARTNERS. Shop with any of our Bonus partners and earn bonus points for every dollar spent on your CommBank Awards credit card. What s more, these bonus points are not subject to any capping, helping you enjoy a great range of rewards even sooner. ^ * * * 2 Bonus points * *Bonus points earn is for online shopping only. ^Bonus points earn is for in-store only. 07

8 AWARD YOURSELF ipad HOWEVER YOU LIKE. You can always find the perfect way to treat yourself with our huge range of Apple products. MINI 4 Wi-Fi 16GB Space Grey. 154,800 pts. Code Points + Pay: 46,500 + $445. iphone 6s 64GB Rose Gold. 340,800 pts. Code Points + Pay: 102,300 + $1002. APPLE WATCH SPORT 38mm Space Grey/Black Band. 136,300 pts. Code Points + Pay: 40,900 + $392. You can check out even more great Awards. Redeem through the CommBank app or log on to netbank.com.au APPLE TV 4th Generation 32GB. 82,600 pts. Code Points + Pay: 24,800 + $232. ipod NANO 16GB Silver. 62,100 pts. Code Points + Pay: 18,700 + $170. Apple, the Apple logo, iphone and ipad are trademarks of Apple Inc. registered in the U.S and other countries. App Store is a service mark of Apple Inc. Points amount as at March 2016 and are subject to change.

9 YOU CAN SPOIL YOURSELF (OR SOMEONE ELSE). There s something for everyone with these great gift ideas (including you). SODASTREAM PLAY Drinks Maker. 30,500 pts. Code Points + Pay: 9,200 + $84. NUTRIBULLET RX ,500 pts. Code Points + Pay: 30,500 + $284. DYSON V6 Absolute Handstick. 205,400 pts. Code Points + Pay: 61,700+ $590. FITBIT Flex Wireless Wristband Black. 28,700 pts. Code Points + Pay: 8,700 + $78. AMERICAN TOURISTER Bon Air Expandable Spinner - 75cm Black. 58,400 pts. Code Points + Pay: 17,600 + $160. Points amount as at March 2016 and are subject to change. DELONGHI SCULTURA 4 Slice Toaster and Kettle Set - Steel Grey. 115,000 pts. Code Points + Pay: 34,500 + $322. BOSE SoundTouch 10 wireless music system. 71,300 pts. Code Points + Pay: 21,400 + $

10 GIFT CARD GIVING. Discover our huge range of Gift Cards $25 Gift Card 5,400 pts $50 Gift Card 10,700 pts $100 Gift Card 20,000 pts $250 Gift Card 50,000 pts $500 Gift Card 100,000 pts Gift Card Can t find what you want here? Check out our full range of Gift Cards online or through the CommBank app. Log on to netbank.com.au, click on the Awards icon next to your credit card details; or Tap on the Awards link below your CommBank Awards card in the CommBank app; or Call

11 HOW TO REDEEM YOUR POINTS. Redeeming points is easy, all you need to do is hop online to the Awards website through netbank.com.au or the CommBank app. From there, you can see the full range of Awards, as well as view your points balance and enjoy great specials. Two easy ways to redeem in 3 easy steps: Log on to NetBank Log on to the CommBank app 1 Click on the Awards icon next to your credit card details. 1 Select the Cards icon and tap on the Awards link below your CommBank Awards card. 2 3 Go to the Redeem Awards tab Add to Cart, Checkout and enjoy your Awards. 2 3 Browse the categories. Add to Cart, Checkout and enjoy your Awards. Things you should know: The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions and Partner Terms & Conditions, available on the CommBank Awards website, accessible through NetBank. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card) and are subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice. Please remember to allow up to 1 hour to receive your digital gift card/s to your nominated address. For all other Awards, please allow up to 10 working days for delivery. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express is a trademark of American Express. The CommBank Awards American Express Card is issued by Commonwealth Bank of Australia pursuant to a license from American Express. Commonwealth Bank of Australia ABN Australian Credit Licence Number

12 EXTRA CREDIT CARD SECURITY WHEN YOU NEED IT. Lock, block, limit is an Australian-first, award-winning security innovation exclusive to CommBank. It gives you the power to control your credit card transactions and enjoy extra security in real-time using the CommBank app or NetBank. LOCK your card temporarily If you misplace your credit card, you can temporarily lock it while you look for it. Then unlock it when you find it again. And if your card is lost, you can now instantly cancel it and order a replacement card through the CommBank app or via NetBank. BLOCK ATM cash advances Now you can block ATM cash advances if you don t want to withdraw cash from your credit card. LOCK international payments If you re not shopping on an international website or travelling overseas you can lock international online and in-store payments. Then simply unlock them instantly whenever you need to. LIMIT your spending Set a limit per transaction, then whenever a purchase is above that limit, it ll be declined and we ll alert you. Things you should know: Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply. ADV