YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD

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1 YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD

2 your card As soon as your Rewards MasterCard arrives make sure you sign it straight away. If you applied online you ll also need to activate your card by visiting your nearest Westpac branch. 1 Thank you for choosing The Warehouse Rewards MasterCard This guide will tell you everything you need to know about using your card and how to get the most out of the rewards programme My Rewards First things first, when you receive your new Rewards MasterCard ensure that you register your Account online. 1. Security chip. 2. Your card number. 3. Your expiry date. We will send you a new card before your card expires. 4. The MasterCard symbol. Your card is accepted at over 29 million merchants worldwide wherever you see this logo. 5 With My Warehouse Account you have the convenience of checking your account online, you can: Check your balance View your transactions Manage and redeem your My Rewards points To register simply go to: mywarehouseaccount.co.nz All you need to register is your: Account Number Date of Birth The Warehouse Rewards MasterCard Address The magnetic strip records information to validate your PIN (Personal Identification Number) so you can use it at ATM s. You ll need to get a PIN loaded just visit any Westpac branch with two forms of ID (such as a Drivers Licence and Passport). 6. Signature panel. Please sign this as soon as you receive your card. 7. The card security code is a three digit card verification code (CVV or CCV2). It is non embossed and printed next to the signature panel immediately after your cards last four digits. 8. Our customer service numbers local and from overseas. Any questions about your card, just give us a call (24 hours a day, 7 days a week). 8

3 ways to use your card MAKING PURCHASES Use your Rewards MasterCard for purchases here, overseas or online and you ll get up to 55 days interest free and earn My Rewards points on every dollar spent! CASH WHEN YOU NEED IT With a PIN you can obtain cash advances from ATMs. There is a daily limit (differs on whether you are in NZ or overseas) and cash advance fees apply. CARDHOLDER SUPPORT CREDIT LIMIT CHANGES Occasionally we will send you information about your credit limit. Your current limit is included on the letter with your new card. However, if you want to raise or lower your limit give us a call. ADD A CARDHOLDER You can apply for a joint credit card with someone else or give someone an additional card on your account. With a joint card, the account is under both parties names and you share responsibility for payments and both cardholders have to be 18 years or older. With an additional card, the account is under the principal cardholder s name and the additional cardholder has to be 16 years or older. The principal cardholder is responsible for everything spent on the cards. There is a charge for the issue of a joint or additional cards. To apply for another cardholder, call us to request an Information Update form or you can download one from mywarehouseaccount.co.nz. updating details If you change your name or address just call us or download an Information Update form from mywarehouseaccount.co.nz. SET UP YOUR PIN With a PIN, you can use your card to get cash at banks and ATMs around New Zealand and overseas ATMs that display the MasterCard or Cirrus logos. Charges apply. To select a PIN for your MasterCard just pop into any Westpac branch with two forms of New Zealand Photo ID (e.g. Driver s Licence, Passport or New Zealand Firearms Licence). If this card has been reissued, your PIN will have automatically been transferred unless your previous card was lost or stolen. Remember to keep your PIN safe at all times. Don t write it down or disclose it to anyone. If your card is lost or stolen, or you think someone knows your PIN, call us straight away. TRANSFER YOUR BALANCES By transferring balances from other credit, store cards, personal loans, hire purchases or overdraft you could save money on interest payments. You may choose to close the other credit card account as this could help you simplify your finances and save you the time and hassle of juggling multiple payments each month. A Balance Transfer application form is included in this pack. You can also download more forms from mywarehouseaccount.co.nz if you have more than one balance to transfer. Protect yourself with card repayment insurance How would you keep making your credit card repayments if you couldn t work because of injury, illness, redundancy or death? To get Card Repayment Insurance from The Warehouse, call or visit mywarehouseaccount.co.nz and we will send you an information pack. Smartguard is underwritten by Sovereign Assurance Company Limited. Terms, conditions and exclusions apply. HOW TO CONTACT US Call us on (24 hours a day, 7 days a week) From overseas, call us on mywarehouseaccount.co.nz

4 your account statement You ll receive an account statement like the one below every month (provided you have transactions or an outstanding credit balance). It shows how much and where you ve spent, plus any interest and charges. We may occassionally include special messages about offers for cardholders WAYS TO MAKE REPAYMENTS TO YOUR THE WAREHOUSE MASTERCARD Direct debit call us on and we will send a direct debit form to you. The Direct Debit payment option will enable you to set up minimum payments, a fixed amount or to repay the outstanding amount in full each month. At any Westpac branch you can repay your account using cash or your eftpos card. You will need to bring your card or monthly statement to any Westpac branch nationwide. To find where the nearest Westpac branch is located, call us on Telephone banking - you can call your bank and arrange payment to your credit card account. Internet banking if you are registered for internet banking, you can repay all or part of your credit card balance via online banking Automatic payment you can set up an automatic payment at any of your bank s branches, or via internet banking if you are registered. If you are setting up a Bill Payee, your bank may have your card type loaded as either: 8 The Warehouse Financial Services, The Warehouse Card, or The Warehouse MasterCard 9 10 If your bank does not have your credit card already loaded, all the information you will need to set up internet, telephone or automatic repayments is as follows: ACCOUNT NUMBER: ACCOUNT NAME: Credit Card Payments 1. Account number 2. Statement period 3. Credit limit 4. Available credit on statement closing date 5. Current payment due date 6. Account summary (includes payments, purchases, cash advances, charges, interest and closing balance.) 7. Important messages 8. Transcations 9. Tear-off payment slip 10. Card number 11. Closing balance 12. Overdue payment 13. Current payment 14. Current payment due date 15. Minimum payment due 16. Amount paid 17. Interest rate information 18. Payment information You can make a full or part payment each month (the minimum payment is $5 or 2% of your closing balance, whichever is greater). PARTICULARS: First 8 digits of your card number CODE: Last 8 digits of your card number REFERENCE: Your name For more information on repayment options go to mywarehouseaccount.co.nz. Processing times may differ depending on the payment method used. It may take up to 5 working days for your payment to be processed.

5 keeping your costs down If you repay your total balance on or before the payment due date each month and don t make any cash advances or balance transfers you ll pay no interest for up to 55 days. This enables you to keep your money in a separate interest-earning account up until the payment due date. interest rates The latest rate is always shown on your statement. Interest on cash advances and balance transfers is charged on a daily basis from the date of these transactions until the amount is paid in full. HOW PAYMENTS ARE APPLIED TO YOUR OUTSTANDING BALANCE Any payments you make will be applied against the amount you owe in the following order: 1. All charges, either shown on the current statement and any previous statements, or charged since your current statement, 2. All interest, shown on the current statement and any previous statements, 3. All purchases on a special promotional rate shown on the current statement, and any previous statements, 4. Any balances transferred shown on the current statement and any previous statements, 5. All cash advances shown on the current statement, and any previous statements, 6. All purchases shown on the current statement, and any previous statements, fees and charges A late payment fee is charged when the minimum payment, which is $5 or 2% of the outstanding balance (whichever is greater), has not been received prior to the payment due date. The late payment fee will not apply where the balance of the account at the date of the next statement is less than $25. Depending on how you choose to pay you should always ensure that the payment is received before the due date as it may take up to 5 working days for your payment to be processed. Below is a list of some other charges that may apply. six monthly account charge cash advance charges replacement card charges (may apply to lost, stolen, damaged or faulty cards) additional or joint account annual fees account over limit charges courier/freight charges disputed transaction search charges statement copy charges transaction charges costs and expenses incurred by us in collecting cards and/or payments foreign currency fee demand notice charges All our transaction and service fees are listed in the enclosed price list. All charges are subject to change. 7. All purchases on a special promotional rate made since the current statement period, 8. All balance transfers from accounts at other institutions made since the current statement period, 9. All cash advances made since the current statement period, 10. All purchases made since the current statement period.

6 KEEP YOURSELF SAFE FROM FRAUD Here are tips to help you protect your card from being used fraudulently. When you receive your card, you should immediately sign the strip on the back. Never let anyone else use your card. Keep your card in a safe place - don t allow it to be bent or scratched and keep it away from magnetised objects. Always destroy cards when they expire by cutting them in half through the magnetic strip. Carefully discard receipts from card transactions and ATMs once you have checked these against your statement. This will help prevent others acquiring information about you and your cards. Make sure you get your card back every time you use it. Protecting your PIN Memorise your PIN - don t write it down anywhere. Never disclose your PIN to any other person, including any additional cardholders, family members, bank staff or even the police. Avoid choosing numbers that are in sequence e.g Don t choose a PIN that is easily associated with you eg. your birth date, phone number, or parts of your card number. Don t let anyone else see your PIN when you enter it at an ATM or EFTPOS terminal. Use a different PIN for different cards. If you become aware of, or suspect your PIN has been disclosed, you should notify us immediately. Call us or visit any bank displaying the MasterCard symbol. shopping online When using your card to purchase online, look for reputable internet stores. If you are unsure, request more information about the company and the goods and services they are selling. Check that the online merchant or store has a return and refunds policy. Always use a secure browser connection when entering credit card details online. Check that a locked padlock or unbroken key symbol is shown in the bottom right of your browser window or the site has a URL that starts with https. If you have to use a password to access a service, make sure this isn t easily identifiable and don t disclose it to anyone. If you make an online purchase, print out a copy of the transaction for your records. This will make it easier to check against your credit card statement. When making purchases online beware of one-off purchases that have hidden recurring charges as your credit card will be debited. MORE tips to reduce card fraud At work, keep your bag and other personal belongings locked in a cupboard or drawer. Only give your credit card details when making a purchase - do not provide them for any other reason. Don t give your card number or PIN number over the telephone to cold callers. Only make the telephone transaction when you have initiated the call and you are familiar with the company. Never send your credit card number via . When you are planning your holiday make sure you have the emergency 24-hour telephone numbers for your cards with you, so you can report any theft or loss immediately. When you re overseas, always keep an eye on your credit card. Don t let your card out of your sight, and never leave cards unattended in a hotel room, at the beach or in a parked car. HOW TO CONTACT US Call us on (24 hours a day, 7 days a week) From overseas, call us on mywarehouseaccount.co.nz

7 lost or stolen card? If you lose your credit card, or it is stolen please report it to us immediately. If you re in New Zealand, call us on (24 hours a day), or visit your nearest Westpac branch. If you re overseas, call us on (24 hours a day) or visit any bank displaying the MasterCard or Cirrus symbol. We ll cancel your card, and organise a replacement card to be sent to you. The replacement card will cost $10. Additional courier costs may apply to New Zealand and overseas addresses. Every Rewards MasterCard is enrolled into My Rewards and there are no ongoing membership fees. WHAT S GREAT ABOUT MY REWARDS? Earn My Rewards points at over 29 million locations online and worldwide. Earn double My Rewards points when you shop at The Warehouse, Warehouse Stationery and Mobil Service Stations. Earn double My Rewards points when you buy the Warehouse Travel or Pet Insurance at mywarehouseaccount.co.nz. Earn triple My Rewards points when you shop online at thewarehouse.co.nz. We will automatically convert your accumulated My Rewards points into vouchers and send these to you in November and May each year. MY REWARDS VOUCHERS Every dollar you spend on your Rewards MasterCard here, overseas and online earns you points that can be converted to vouchers. For example, if you spend $100 at your local The Warehouse store using your Rewards MasterCard, you will earn 200 My Rewards points. If you spend $100 on The Warehouse Travel Insurance, you will earn 200 My Rewards points and if you spend $100 at you will earn 300 My Rewards points that can be redeemed for The Warehouse gift vouchers, MTA gift vouchers, or Hoyts and Event Cinemas movie tickets. HOW MANY MY REWARDS POINTS DO YOU NEED FOR A VOUCHER? $10 The Warehouse voucher 1,400points $10 MTA voucher 1,600 points 1 Adult Event or Hoyts Cinemas double 3,400 points movie pass MANAGE AND REDEEM YOUR MY REWARDS POINTS ONLINE At any time, you can check your points balance online by logging on to mywarehouseaccount.co.nz. You need to register for online account access first and to do so you will need your Account Number, your The Warehouse Rewards MasterCard, date of birth and an address. Once you are registered, you will be able to view your account balances and transactions and also to redeem your My Rewards points. To redeem your points, once you have registered log on to mywarehouseaccount.co.nz and click on My Rewards located on the left menu, then select the vouchers you want and follow the screen prompts. An confirmation will be sent to you confirming your redemption order. You can also call us on , option 2, between 8.30am and 5pm, Monday to Friday to obtain your My Rewards points balance and to redeem your vouchers over the phone. GET YOUR MY REWARDS VOUCHERS SENT TO YOU AUTOMATICALLY Your My Rewards points will be converted into one gift voucher from The Warehouse in the months of November and May each year. Your voucher will be issued, in multiples of $10 rounded down to the nearest $10 and will be valid for 6 months from the date of issue. Your voucher will be sent automatically to your last known mailing address. Any remaining points will be carried forward to the next redemption date. It is important that you use your vouchers within 6 months as expired vouchers will not be reissued. If you would prefer not to receive your voucher automatically every 6 months, you can opt out when you register. If you have already registered simply go to My Profile located on the left hand menu and make your selection under My Rewards.

8 Want to earn bonus My Rewards points? You can boost your points balance by earning Double and Triple My Rewards points on everyday purchases and on big ticket items. Here s how: Earn 3 My Rewards points per $1 spent online at thewarehouse.co.nz Earn 2 My Rewards points per $1 spent at thewarehousepetplan.co.nz The Warehouse Travel Insurance Sometimes travel doesn t go as planned and occasionally when you are travelling, you can encounter unforeseen circumstances which can lead to large unexpected financial expenses. When you are planning your next overseas holiday or trip, remember to get your travel insurance from The Warehouse. Whether you are travelling as close as Australia or as far away as Asia, USA, Canada, Europe or Africa, The Warehouse has made it really easy to arrange worldwide travel insurance cover for you and your family. Buy travel insurance online using your Rewards MasterCard and earn 2 My Rewards points for ever $1 spent. For a quick online quote, full pricing, cover and benefits, go to mywarehouseaccount.co.nz. twti.co.nz Coverage is not guaranteed. Terms, conditions, limits and exclusions apply and more detail can be found in the policy document at twti.co.nz. The travel insurance is underwritten for The Warehouse Financial Services Limited by IAG New Zealand limited. The Warehouse Financial Services markets travel insurance, for which it receives income from IAG. Earn 1 My Rewards point per $1 spent when you use your MasterCard online and worldwide wherever MasterCard is accepted. Redemption and earning of My Rewards points is subject to The Warehouse MasterCard Conditions of Use. My Rewards points are not earned on fees, charges or when your account is overdue. The Warehouse Life Insurance The Warehouse now has affordable Life Insurance products with a range of options to suit your situation: Life Insurance 50+ Life Insurance Accidental Injury Cover Life Support for Women Accidental Death Insurance Life Support for Men For details on any of the above Life Insurance options from The Warehouse or for an obligation free quote, call us on or visit thewarehouse.co.nz The Warehouse Life Insurance is underwritten for The Warehouse Financial Services Limited by Sovereign Assurance Company Limited ( Sovereign ), 74 Taharoto Road Takapuna North Shore Sovereign holds an A+ Superior Financial Strength rating dated 23 December 2008 from A.M Best Company Inc, an approved rating agency. A copy of the rating scale of which this forms part is available from Sovereign.

9 How to contact us: Call hours a day, 7 days a week From overseas, call us on mywarehouseaccount.co.nz The Warehouse Rewards MasterCard is issued by The Warehouse Financial Services Limited in affiliation with Westpac New Zealand Limited. The Warehouse Financial Services Limited s current card lending criteria applies to all applications and transfers. Redemption and earning of My Rewards points and The Warehouse Rewards MasterCard are subject to the MasterCard Conditions of Use. Other fees may apply. Nothing in this brochure provides or can be taken to provide financial advice in relation to any of the products referred to. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. The information shown is current as at 30 May 2011 and is subject to change WH RMCB

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