INTRODUCING ANZ REWARDS BLACK

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1 INTRODUCING ANZ REWARDS BLACK EARN REWARDS FASTER INCLUDES REWARDS PROGRAM TERMS AND CONDITIONS

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3 Welcome With ANZ Rewards Black, earn rewards faster and enjoy exclusive travel benefits. Earn more points ANZ s highest Reward Points 1 earn rates with no limit on the number of points you can earn 10,000 Reward Points Loyalty Bonus 2 when you make at least $50,000 of qualifying purchases on your account during your first year. Rewards for travel Unlimited access to participating airport lounges outside Australia 3, including, London, Singapore, Dubai, Bali, Bangkok and Auckland Comprehensive Overseas travel and medical insurance 4 Transfer Reward Points 1 to participating frequent flyer programs, including Velocity (Virgin Australia s frequent flyer program) Book travel with a range of leading airlines, for travel at any time; as well as hotels and car hire using your Reward Points 1. Rewards for shopping Cashback 5 onto your ANZ Rewards Black account or your ANZ transaction, savings or offset account. Shopping vouchers with a wide range of stores including Myer, David Jones and Bunnings.

4 Getting started Simply follow the easy steps below and you could be using your new ANZ Rewards Black today. Quick activation 1. Sign the back of your cards when you receive them. 2. Refer to your Welcome Letter to see if you need to complete ANZ s Customer Identification Process at any ANZ branch. 3. Call , 24 hours a day, 7 days a week to activate your cards, and then you can start using them. Your PINs If this is a new account, your new Personal Identification Number (PIN) should arrive within 5 business days. The PINs for your ANZ Rewards Visa Black card and an ANZ Rewards Black American Express card will arrive separately. If this account is a transfer from another ANZ card, your cards will retain their existing PINs. If you didn t previously have an American Express card, you will receive a card as a part of your account transfer. The PIN for this new American Express card will arrive within 5 business days. If you wish to select new PINs, visit any ANZ ATM in Australia with your new card(s) and PIN mailer(s). Simply go to the PIN change screen where you will be prompted to enter the card s current PIN and then select your new PIN. Convenience of Online Statements You can view your statements online. To turn off paper statements, go to Profile > Change my statement preferences. Learn more at anz.com/paperless Payment made easy with contactless technology ANZ Visa paywave and American Express Contactless payment technology allows you to swiftly and securely make everyday purchases under $100 without swiping or entering your PIN. Simply hold your ANZ Rewards Black Visa or American Express credit card to the reader, wait for the beep and you re done. For purchases greater than $100, you will simply by prompted to enter your PIN. Mobile payments Paying for everyday purchases has never been easier. Use your compatible iphone or Android phone to tap and pay with your ANZ Rewards Black Visa or American Express credit card when you re out and about. It s another way to pay. 1 Find out more at anz.com/mobilepayments Managing your ANZ Rewards To check your Reward Points balance or redeem your Reward Points online for Travel, Shopping Vouchers or Cashback, simply visit anzrewards.com, where you can also take advantage of exclusive online offers. Your easy banking options To add your new ANZ Rewards Black to ANZ Go Money TM, ANZ Internet Banking or ANZ Phone Banking, call us on and we ll arrange it while on the phone.

5 If you are a new customer visit anzrewards.com/activate to get started. Alternatively call our ANZ Rewards Centre on , Monday to Friday from 8am to 8pm AEST. In addition to your monthly ANZ Rewards Black credit card statement, you will also receive a Reward Points Activity Summary every 3 months via post or via . 1 Mobile payments available on compatible devices and eligible ANZ cards. Terms and conditions apply. Find out more at anz.com/mobilepayments. Apple, the Apple logo, iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc.

6 Earn rewards faster ANZ Rewards Black offers you our highest Reward Points 1 earn rates with no limit on the number of Reward Points you can earn. 3 POINTS PER $ POINTS PER $1 Earn 3 Reward Points for every $1 spent on eligible purchases 1 using your ANZ Rewards Black American Express card. Earn 1.25 Reward Points for every $1 spent on eligible purchases 1 using your ANZ Rewards Visa Black card. 10,000 Reward Points Loyalty Bonus You can receive a Reward Points Loyalty Bonus when you make at least $50,000 worth of qualifying purchases on your account during your first year 2. Earn more Reward Points with family members 1 Grow your Reward Points balance by adding family members to your account. All Reward Points earned by additional cardholders are credited directly to your account. To add an additional cardholder complete and return the Additional Cardholder Form available at anz.com. Additional cardholders must be over 16 years of age. Fees apply, refer to the ANZ Personal Banking Account Fees and Charges booklet on anz.com.

7 Choose from a wide range of rewards Travel rewards Why not set your sights on an overseas trip or a short city break? Use your Reward Points or Points Plus Pay option to book a flight with a wide range of leading airlines for travel at any time. No blackout periods apply. You can also book over 35,000 hotels and resorts worldwide, plus a huge range of tours, cruises and car hire options. To book online visit anzrewards.com or call us on Monday to Friday from 8am to 8pm AEST. Transfer your points to participating frequent flyer programs 6 Boost your chosen frequent flyer program balance by transferring your points to Velocity (Virgin Australia s frequent flyer program), Singapore Airlines KrisFlyer, Air New Zealand Airpoints Dollars and Cathay Pacific Asia Miles. Shopping and Cashback rewards Cashback 5 Convert your Reward Points to cash by choosing to directly credit your ANZ Rewards Black account or your ANZ transaction, savings or offset account. Shopping vouchers A wide range of vouchers are available including Myer, David Jones and Bunnings, plus many more. To book your travel or redeem your reward visit anzrewards.com or call us on Monday to Friday from 8am to 8pm AEST. To automatically transfer your Reward Points to Velocity Points simply set up auto-redemption at anzrewards.com

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9 Enjoy premium travel benefits Unlimited access to participating airport lounges outside Australia 3 Why not relax before your flight, with a refreshment and a bite to eat? Regardless of your airline or fare, you and your additional cardholders will enjoy the comfort of unlimited access to participating airport lounges. These are in some of the world s top travel destinations including, London, Singapore, Dubai, Bali, Bangkok and Auckland. Simply show your ANZ Rewards Black card to enter the lounge. Visit anz.com/rewardsblack to see the full list of participating lounges. Travel assistance via your Personal Concierge 7 When you re travelling or planning travel, let your 24 hour Personal Concierge take care of those time consuming tasks, saving you time so you can enjoy your trip. Your 24 hour Personal Concierge can help: book restaurants secure tickets for theatre, concerts and sporting events provide country specific information and selected city guides organise a full range of business services while you are away from home with lost baggage or passports and rebooking tickets during a travel disruption make bookings for hair and beauty treatments, personal training or sports massage book flights, hotels or car rental. In an emergency, they can arrange: medical and dental assistance medical evacuation legal assistance messages to family members or consulates. To access your 24 hour Personal Concierge, call if in Australia. If you are overseas, call any time from a landline and reverse the charges via the international operator.

10 Overseas travel and medical insurance 4 provided by QBE Insurance Your ANZ Rewards Black account gives qualifying cardholders Overseas travel and medical insurance 4 for trips of up to six continuous months at a time. When you travel, you could be protected for the following travel contingencies: Overseas medical and dental expenses Cancellation and additional expenses Loss or damage of luggage and travel documents Accidental death and permanent disability Loss of income and Personal Liability A range of pre-existing medical conditions are automatically covered and cover for other pre-existing medical conditions may be available at an additional cost. Simply purchase your pre-booked travel using your ANZ Rewards Black card and meet the full eligibility criteria below 4. Activating cover under the Overseas Travel and Medical Insurance Master Policy 1. Activation of cover To activate cover under the Overseas Travel and Medical Insurance Master Policy for your trip you must meet the eligibility criteria. 2. Eligibility criteria To meet the eligibility criteria you are: (a) (i) a current participating card holder; or (ii) the spouse or child of a participating card holder who is on the trip with that participating card holder; and (b) an Australian citizen or resident of Australia or the holder of a visa (including a 457) which: (i) authorises you to live and work in Australia; and (ii) requires you to maintain a minimum level of health insurance coverage as required by the Department of Immigration and Citizenship; and (iii) has more than three months validity beyond the scheduled return date to Australia for any trip; and

11 you have spent at least 75% of your time in Australia: (iv) in the 12 months before you went on your trip; or (v) if you have been in Australia less than 12 months before going on your trip, since you became a permanent resident or visa holder; and (c) eighty (80) years of age or under on the day you activated cover; and you have (d) a ticket to return you to Australia; and (e) used a participating card account before you went on your trip to purchase at least AUD$250* in total (inclusive of taxes and other charges) of: (i) transport costs (airfares and/or cruise); and/or (ii) land content costs (tours, hire cars or other hired transport and accommodation); for you and for your spouse and child who are on that trip with you. * Award or loyalty points are not considered currency in determining achievement of minimum spend. Other travel insurances Your ANZ Rewards Black account also offers you a range of insurances for protection when travelling within Australia, including Rental Excess Cover 4 and Transport Accident Cover 4. For more information refer to the Premium Cards insurances booklet - Part 1 QBE Product Disclosure Statement and policy wordings which is included in your welcome kit and can be obtained at anz.com

12 Additional privileges ANZ Rewards Black, together with Visa and American Express, have compiled an exceptional array of entertainment and lifestyle offers and opportunities for you to enjoy. Visa Entertainment A world of entertainment with Visa Entertainment Experience another side to your Visa card with Visa Entertainment. Access concert, theatre and sporting event pre sales, special movie offers and member competitions exclusive to Visa cardholders. Register now for free at visaentertainment.com.au or like us at facebook.com/visaentertainmentaustralia ANZ may earn a commission on Visa Entertainment. Enjoy life s luxuries with entré by American Express Your ANZ Rewards Black American Express card is your key to access premium travel privileges and lifestyle benefits from American Express. Login to for access to: Luxury Hotel Program enjoy 4pm late check outs, room upgrades on availability and special privileges at over 1,000 luxury hotels worldwide. Car Rental get the best available rate, complimentary upgrades and priority service where available from our leading global car rental partners. Global Events VIP access to a yearly calendar of global iconic sporting and entertainment events including meet and greets with sporting heroes and celebrities. Global Dining Program receive discounts or complimentary courses when you dine at any one of our participating restaurants in some of the world s most exciting cities. Discover more with TripAdvisor Take travel planning to the next level by connecting your ANZ Rewards Black American Express card to TripAdvisor. Read trusted card holder reviews, search lists of hotspots trending with card holders around the world and save offers to your Card that will entitle you to a credit on your account when you spend. Connect your Card at: Americanexpress.com.au/TripAdvisor Connect to more with AmexConnect Receive handpicked offers from American Express retail and lifestyle partners delivered to your inbox weekly and the convenience of saving offers to your Card. To register, simply visit amexconnect.com.au/anz

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15 Card protection When you shop using ANZ Rewards Black, you shop with greater peace of mind. Whether you buy online or in store, your purchases are covered by our comprehensive range of purchase safeguards. 90 day Purchase Security Insurance 9 For most personal items you buy using either of your ANZ Rewards Black cards you will receive automatic cover against loss, theft or damage for 90 days from the date of purchase. ANZ Fraud Money Back Guarantee Feel at ease knowing you won t be liable for fraudulent transactions made on your ANZ Rewards Black, as long as you notify us promptly and did not contribute to the loss. Extended Warranty on purchases 9 For your major personal and household purchases, we ll automatically extend the manufacturer s original Australian warranty by up to 12 months, for no extra cost. This automatically covers most purchases made with either of your ANZ Rewards Black cards. Best Price Guarantee Scheme 9 Your ANZ Rewards Black guarantees you the best price on personal goods purchased in Australia. If you make a purchase on either of your ANZ Rewards Black cards and then find the same product advertised in a printed catalogue at a cheaper price within 21 days, you can simply claim back the difference. 24/7 ANZ Falcon Protection ANZ Falcon is an advanced, around-theclock security system that monitors your card for suspicious transactions, including when you shop online, over the phone and overseas. Remember, if you notice an unusual transaction on your account or believe that your card security has been compromised in any way, contact us straight away on

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17 ANZ s approach to fees for ANZ consumer credit cards At ANZ, we want to make your banking simpler. To ensure your everyday banking is simple and fair, we are committed to helping you understand and avoid fees that may apply such as Overlimit or Late Payment Fees. As part of our commitment, we will give ANZ consumer credit card customers: options on how you could stay within your limit or exceed it, subject to certain conditions information on how you can avoid fees. ANZ consumer credit card customers who are recipients of Government benefits and hold an ANZ Access Basic account will not incur Overlimit or Late Payment Fees. For more information, visit anz.com or call us on Customer Charter ANZ s commitment to you ANZ is committed to providing you with convenient banking that is simple to understand and delivered in a responsible manner by our people, in accordance with the highest standards of integrity. ANZ s Customer Charter sets out the specific service standards you should expect us to meet. It reflects both the products and services that we currently offer and the higher standards towards which we aspire. Our external auditors will review our performance against these standards every year and we will report the results to you. In this way, we hope to earn your faith in us as Australia s most respected retail bank. If you would like to read our Customer Charter in full, please visit anz.com or call for a copy.

18 Important information you need to know Reward Points 1. Reward Points accrue in accordance with the ANZ Rewards Rewards Program terms and conditions (enclosed at the back of this brochure). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards - Rewards Program Terms and Conditions booklet, for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. Loyalty Bonus 2. Loyalty Bonus is awarded in accordance with the ANZ Rewards Rewards Program terms and conditions booklet (enclosed at the back of this brochure). To receive the Loyalty Bonus, you must make qualifying purchases valued at $50,000 or more using your ANZ Rewards Black account during the first year you hold your account. The year commences on the day after your first Fee Date and ends on your second Fee Date. Your Fee Date is the date that your account is assessed for charging an annual account fee (please call to confirm your Fee Date). Qualifying purchases for the purposes of calculating your eligibility for a Loyalty Bonus exclude Balance Transfers, cash advances, interest, fees, stamp duty, government charges and transactions reversed or refunded. Only one Loyalty Bonus may be earned per account. Any Loyalty Bonus earned will be automatically credited to your ANZ Rewards points balance within 90 days however ANZ accepts no liability for any delay. Unlimited access to participating airport lounges outside Australia 3. Complimentary access to participating airport lounges is available to eligible ANZ Rewards Black cardholders. Participating airport lounges are subject to change. To gain complimentary access, eligible cardholders must present their credit card and a current flight boarding pass in the same name at the participating lounge. For terms & conditions refer to the Complimentary Airport Lounge Access Program Terms & Conditions (enclosed at the back of this brochure). For a full list of participating airport lounges visit anz.com/rewardsblack Overseas travel and medical insurance, Transport accident cover, and Rental excess cover. 4. The Overseas travel and medical insurance master policy, the Transport accident cover master policy and Rental excess cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN AFSL to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards insurances booklet Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS which can be obtained at anz.com or by calling before you make any decision to acquire it. Cashback 5. When you redeem your Reward Points for an ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards Black account or your ANZ transaction, savings or offset account within 5 business days. Fly with your own frequent flyer program 6. Terms and Conditions apply. An Account Holder must be a member of the applicable frequent flyer program to redeem Reward Points for frequent flyer points. Redemption thresholds apply. Frequent traveller details must be entered online at time of redemption in order to transfer points to the frequent flyer program. See anzrewards.com for details. Personal Concierge 7. Terms & conditions apply to this service. Exclusions apply. Before travelling and/or electing to use this service, we strongly advise that you read the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions. For a copy of these Terms and Conditions, visit anz.com or call Extended Warranty, 90-day Purchase Security Insurance and Best Price Guarantee Scheme 8. Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance

19 Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet Part 2 which can be obtained at anz.com or by calling ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN Falcon is a trademark of Fair Isaac Corporation. American Express is a registered trademark of American Express. This card is issued by Australia and New Zealand Banking Group Limited pursuant to a license from American Express. Complimentary Airport Lounge Access Program Terms and Conditions 1. The Complimentary Airport Lounge Program (Program) is provided to Australia and New Zealand Banking Group Limited (ANZ) by Veloce Lounges. 2. ANZ provides ANZ Rewards Black cardholders (including additional cardholders) with access to the Program on the terms set out below. These terms and conditions will apply to any cardholder s participation in the Program. 3. To participate in the Program, you must hold a valid ANZ Rewards Black credit card which has not expired, been closed or been notified to ANZ as having been lost or stolen (Eligible Card). 4. If you hold an Eligible Card, you are entitled to receive unlimited complimentary access to all airport lounges listed on anz.com/rewardsblack (Participating Lounge). 5. If you are an Eligible Card holder, to gain complimentary access to a Participating Lounge you must present: a. your Eligible Card; and b. a current and valid flight boarding pass in the same name as the Eligible Card, at the entrance to the Participating Lounge. 6. Participating Lounge operators reserve the right to refuse complimentary entry to the Participating Lounge if the credit card presented has expired, is not in the same name as the flight boarding pass provided or if the Participating Lounge operator has any other reasonable grounds to believe that you are not the Eligible Card holder. 7. Each Participating Lounge is owned and operated by a third party and sets its own rules and policies. The Eligible Card holder and any accompanying guests must obey the Participating Lounge s rules and policies. Participating Lounge operators reserve the right to deny entry to a Participating Lounge or remove any person from a Participating Lounge if they fail to obey any applicable rules and policies, or are unruly, uncooperative or cause a disturbance to other guests. 8. Guests of the Eligible Cardholder may be admitted to a Participating Lounge at the operator s discretion, however may be charged a fee for entry. 9. Participating Lounges may be added or removed at any time. You should always check anz.com/rewardsblack for a current list. 10. We may change or amend these terms and conditions at any time. You will be notified in writing or by an update to anz.com of changes to terms and conditions at least 30 days before that change takes effect. 11. Except as provided in any law which cannot lawfully be excluded or modified by agreement, ANZ makes no warranties or representations either express or implied and expressly disclaims any and all liabilities (including for consequential damages) with respect to type, quality, standard or fitness or suitability for any purpose of the services offered by any Participating Lounge, and is not liable for any inability to access a Participating Lounge or any of the services typically offered by a Participating Lounge, or removal from a Participating Lounge, caused by circumstances beyond ANZ s control including strikes, industrial disputes, acts of God or the rules, policies or operational decisions of Participating Lounge operators. 12. If any Eligible Card holder breaches the ANZ Credit Cards Conditions of Use or these terms and conditions, ANZ may suspend or exclude that Eligible Card holder from participating in the Program.

20 ANZ Rewards Rewards Program Terms and Conditions When these terms and conditions apply 1. If you are a new account holder, these terms and conditions will apply when we advise you that your application to join the program has been successful and you have activated your card account. Earning Reward Points 2. Reward Points are used to determine when you become entitled to a reward and can only accrue to account holders. Reward Points do not accrue to additional cardholders and all Reward Points earned as a result of spend by an additional cardholder will accrue to the account holder s points record. 3. Reward Points accrue daily based on the use of the relevant card or card account and will be visible on your card account up to 5 business days after a transaction has been processed by ANZ. 4. The number of Reward Points you could earn per dollar spent may vary according to the type of Card you have (including whether the Card is your ANZ Rewards American Express Card or your ANZ Rewards Visa Card). ANZ will advise you in writing of the number of Reward Points you could earn per dollar spent at the time of opening your card account and at any time where the number of Reward Points you could earn per dollar spent decreases. If at any time the number of Reward Points you could earn per dollar spent increases, ANZ is not required to provide advice of this in writing. Call for the number of Reward Points you currently earn per dollar spent. Reward Points earned are subject to the exclusions set out in clauses 5, 7, 8 and For ANZ Rewards Visa PAYCARD accounts, Reward Points and Bonus Reward Points will only be earned on purchases using the 16 digit card/ account number. Points and Bonus Points will not be earned when the nine digit account number listed on the reverse of the PAYCARD is used to process the transaction. 6. If you hold a participating card, you may earn Bonus Reward Points by using your participating card or participating card account to purchase qualifying goods and services from a Bonus Partner, subject to the limitations in clauses 5, 7 and 8. The number of Bonus Reward Points you will receive from a Bonus Partner will be specified on anzrewards.com. You will not earn Bonus Reward Points for any purchase of goods and services using a black card or adventures card. 7. You will not earn Rewards Points on interest charges; premiums paid for ANZ Credit Card Insurance; government charges; bank fees; payments made to the Australian Taxation Office or other taxation payments or duties; card account adjustments resulting from disputed transactions or otherwise; balance transfers or cash advances (as defined in the ANZ Credit Cards Conditions of Use) or transactions which are identified to ANZ by the relevant merchant or any intermediary financial institution as falling into one of these categories. 8. You will not earn Reward Points if your card account is suspended or if you breach or any additional cardholder breaches these terms and conditions or the ANZ Credit Cards Conditions of Use. 9. When you or an additional cardholder obtain a refund, a reimbursement for charges previously incurred (for example for returned merchandise) or a chargeback is made to your card account, this will cause Reward Points to be debited from your card account. Reward Points will be deducted from your card account. The number of Reward Points deducted from your card account will be calculated by reference to the rate at which you were earning Rewards Points at the time the reimbursement was processed by ANZ. Reward Points are not property 10. Reward Points may not be transferred or sold. 11. Reward Points are not property, have no monetary value, are not convertible and can only be used to claim rewards. There will be no refunds for Reward Points that are not used to claim a reward. Points expiry 12. Reward Points must be used to claim a reward within 36 months of 31 December of the year in which the Reward Point were added to a points record. Reward Points that remain unused after that period will be cancelled. 13. In the event your card account is closed, any Reward Points that remain unused must be used within 60 days of the date of closure. Reward Points that remain unused after that period will be cancelled. 14. In the event the Program is terminated, we will notify you of termination and any claim for a reward must be made within 90 days of the date of termination. 15. We may also cancel Reward Points at our sole discretion if you die, if your card account is suspended, if you breach or any additional

21 cardholder breaches these terms and conditions or the ANZ Credit Cards Conditions of Use or if we reasonably suspect you are operating your card account fraudulently. Rewards statement 16. You will receive a rewards statement quarterly if there has been activity on your points record in the prior quarter or you have Reward Points due to expire in the current quarter. ANZ may vary the frequency and format of the rewards statement without notice. If you successfully register to receive rewards estatements, paper rewards statements will not be sent to you for your ANZ Rewards account. If you de-register from receiving rewards estatements ANZ will recommence sending quarterly paper rewards statements. 17. Reward Points used to claim a reward will be deducted from your points record at the time we receive your request to claim a reward. The adjustment will be reflected in your next rewards statement. Rewards 18. Rewards and the number of Reward Points required to claim a reward are set out on anzrewards.com 19. Special terms and conditions may apply to individual rewards and they will be advised to you on anzrewards.com or by notice from ANZ. Claiming rewards 20. Only the account holder may claim rewards. Additional cardholders are not entitled to claim rewards. 21. Your entitlement to claim rewards is based on the points record in relation to your card account. If your card account is in arrears, suspension or default, no rewards will be claimable. 22. You may use the option of `Points Plus Pay to redeem selected rewards. This means that you use Reward Points and also pay a monetary amount by debiting your card. Your Rewards Guide and anzrewards.com will outline rewards for which you can use this option. Alternatively, call the ANZ Rewards Centre on for more information. 23. The procedure for claiming rewards is set out in the Introducing ANZ Rewards, ANZ Rewards Travel Adventures Marketing booklet and Introducing ANZ Rewards Black guides. All rewards are subject to availability and substitutions may be necessary. 24. Before seeking to claim a reward, you should review the rewards on anzrewards.com. 25. Rewards cannot be taken by pooling of Reward Points by persons with different card accounts. 26. Unless we advise otherwise, rewards cannot be returned for Reward Points to a points record, cashed in or exchanged. Rewards also cannot be replaced if lost, stolen or otherwise destroyed. 27. Unless we advise in writing otherwise, rewards will not be delivered to an address outside Australia. Changes to rewards and these terms and conditions 28. We may change the Rewards Guide at any time. If any change affects Reward Points already accumulated you will be notified at least 30 days before that change takes effect. 29. Bonus Partners also have the right to make changes at any time without notice to the goods or services which are qualifying goods or services and the number of Bonus Reward Points that you will receive as a result of acquiring those goods or services. Bonus Partners may change without notice. 30. We may at any time and in our discretion without notice withdraw, limit, modify, cancel or increase the continued availability of any reward or the number of Reward Points required to claim a particular reward. 31. We may change or amend these terms and conditions at any time. You will be notified in writing of changes to terms and conditions at least 30 days before that change takes effect. What we are not liable for 32. Except as provided in any law which cannot lawfully be excluded or modified by agreement we: make no warranties or representations either express or implied and expressly disclaim any and all liabilities (including for consequential damages) with respect to type, quality, standard or fitness or suitability for any purpose of the rewards; are not responsible for the loss, theft or destruction of rewards; do not accept any liability with respect to any loss arising from the supply of a reward; are not liable for any delay or inability to provide any rewards caused by circumstances beyond our control including strikes, industrial disputes or acts of God. 33. In the event that we are liable for breach of any term implied by law, we limit that liability where we are entitled to so do to:

22 ANZ Rewards Rewards Program Terms and Conditions (continued) replacement or repair of the reward or payment of the cost of replacing or repairing the reward; and supplying the services again or payment of the cost of having the services supplied again. Disputes 34. All questions or disputes regarding eligibility for rewards or the eligibility of Reward Points for accrual or reward will be resolved by us at our sole discretion. All enquiries regarding rewards statements must be made within 90 days of the date of the statement. Otherwise, any questions or disputes must be brought to our attention within 12 months of the incident first giving rise to the question or dispute. 35. All questions or disputes must be submitted in writing to the Rewards Centre and, where relevant, be accompanied by a legible copy of the relevant sales receipt or card account statements. 36. If you are not satisfied with our response to your question or dispute, you may access our complaints handling procedure, which is set out in the ANZ Credit Cards Conditions of Use. General 37. If you breach or any additional cardholder breaches the ANZ Credit Cards Conditions of Use or these terms and conditions, we may suspend or exclude you from participating in the Program. 38. Any tax liability, stamp or other duty or other government charge or reporting requirement in connection with or on any benefit derived by you from the use of a card by you or an additional cardholder or receipt of a reward is your sole responsibility. 39. Bonus Partners other than ANZ are not responsible for the management, operation or administration of the Program. 40. You may request further details about the Program by calling The Australian Securities and Investments Commission has granted us relief from certain provisions of the Corporations Act 2001 relating to managed investments and non-cash payment facilities. The relief granted means that the Program is not required to be registered as a managed investment scheme or treated as a non-cash payment facility and the licensing, financial services disclosure and product disclosure provisions do not apply to the Program. Bonus Partner terms and conditions 42. Only goods and services purchased in Australia at Bonus Partners using participating cards are eligible for Bonus Reward Points. 43. Where a Bonus Partner arranges, organises or books a good or service provided by another Bonus Partner, and you only transact with the first Bonus Partner, Bonus Reward Points will only be earned in respect of your transactions with the first mentioned Bonus Partner. Accommodation 44. Bonus Reward Points are not earned on franchised and external services booked through a hotel and charged to the card. ANZ Rewards Diners Club Card 45. ANZ Rewards Diners Club Card (a) In this clause: Account, Additional Card, Main Cardholder and Eligible Transaction have the meaning given to them in the ANZ Rewards Diners Club Card Terms and Conditions. (b) The Main Cardholder will earn one Reward Point for every dollar spent on Eligible Transactions made using the ANZ Rewards Diners Club Card, Additional Card or Account. There is no limit to the number of Reward Points that can be earned and allocated for Eligible Transactions. (c) Any Reward Points earned by use of the ANZ Rewards Diners Club Card, Additional Card or Account will only be allocated to the Main Cardholder s points record on the condition that at the time of the allocation the Main Cardholder is not in default or in arrears under the ANZ Rewards Diners Club Card Terms and Conditions. If the Main Cardholder only partially satisfies the payment obligations of those terms and conditions, Diners Club may choose not to allocate Reward Points until those payment obligations are satisfied in full. (d) Your points record will be adjusted to reflect refunds or reimbursements or other circumstances that result in a payment reversal being issued to the Account (for example, because of a dishonoured cheque or direct debit reversal). (e) Reward Points will only be credited to a points record under this clause if the Main Cardholder also holds a ANZ Rewards account (or such other card account as advised by ANZ) when the Reward Points are earned and credited.

23 Promotional offers 46. You will earn Promotional Reward Points subject to meeting eligibility criteria for limited offers made by ANZ to account holders. Loyalty bonus 47. (a) Subject to this clause 47, if you hold a black card account you will receive a loyalty bonus if the accumulated qualifying purchases charged to your black card account by you, or by any additional black cardholder authorised by you, reach the spend target during your first year. (b) For the purposes of this clause 47, qualifying purchases include everyday purchases charged to a black card account by the black card account holder or by any additional cardholder authorised by the black card account holder, but exclude balance transfers, cash advances (as defined in the ANZ Credit Cards Conditions of Use), cash equivalent transactions, any interest charges debited to the credit card account (including interest charged on previously charged interest), stamp duty and other government charges, ANZ Fees and account adjustments resulting from disputed or reversed transactions or refunds. (c) ANZ reserves the right to withhold any loyalty bonus earned if the black card account is in arrears, suspension or default at the time your eligibility for the loyalty bonus is assessed, or if the black card account is, or is reasonably suspected by ANZ to be, operated fraudulently. (d) No loyalty bonus will be paid if ANZ or the black card account holder closes the black card account before the end of the first year, regardless of whether the spend target was met prior to the account s closure. (e) Any loyalty bonus earned will be credited to your points record within 90 days of the end of the first year. ANZ accepts no liability for any delay in the loyalty bonus being credited to your points record. (f) For the purposes of calculating whether the spend target has been reached, qualifying purchases cannot be aggregated across separate accounts or combined with qualifying purchases carried out on a card held by the accountholder prior to the black card. (g) A black card account holder may receive no more than one loyalty bonus in respect of a single black card account, regardless of how many times they reach the spend target during the first year. Definitions for ANZ Rewards Rewards Program Terms and Conditions account holder or you means the person in whose name a card account is kept and who is responsible for all transactions on the card account. additional cardholder means a person to whom a card is issued, at the request of the account holder and who is authorised to transact on the card account. adventures card means an ANZ Rewards Travel Adventures American Express, ANZ Rewards Visa Travel Adventures or any other card as may be notified to account holders as being an adventures card for the purposes of these terms and conditions. ANZ means Australia and New Zealand Banking Group Limited. black card means an ANZ Rewards Black American Express, ANZ Rewards Visa Black, or any other card as may be notified to account holders as being a black card for the purposes of these terms and conditions. Bonus Partner means any person who agrees to provide Bonus Reward Points in respect of the purchase of qualifying goods and services using a participating card. Bonus Reward Points means the additional Reward Points that are earned for spend on qualifying goods and services at Bonus Partners, in addition to the standard Reward Points earned for spend on the card in accordance with these terms and conditions. card means a classic card, platinum card, black card, ANZ Rewards Visa PAYCARD or any other card as may be notified to the account holder as being a card for the purposes of these terms and conditions. classic card means an ANZ Rewards American Express, ANZ Reward Visa, ANZ Rewards Visa PAYCARD or any other card as may be notified to account holders as being a classic card for the purposes of these terms and conditions. first year means the calendar year commencing on the day after your black card account is assessed for charging the first annual account fee and ending on the day that your black card account is assessed for charging the second annual account fee. loyalty bonus means a number of additional Rewards Points (as specified on anz.com or as advised in any other written communication from ANZ) that a black card account holder will receive at the end of the first year if the spend target is met during the first year.

24 ANZ Rewards Rewards Program Terms and Conditions (continued) participating card means a classic card, platinum card (other than an adventures card), ANZ Rewards Visa PAYCARD or any other card as may be notified to the account holder as being a participating card for the purposes of these terms and conditions, but does not include a black card or an adventures card. platinum card means an ANZ Rewards Platinum American Express, ANZ Rewards Visa Platinum, ANZ Rewards Travel Adventures American Express, ANZ Rewards Visa Travel Adventures or any other card as may be notified to account holders as being a platinum card for the purposes of these terms and conditions. points record means a record in relation to a card account for the purpose of determining when you become entitled to a claim a reward. Program means the ANZ Rewards Rewards Program. Promotional Reward Points means the additional Reward Points earned from limited promotional offers made by ANZ from time to time in accordance with these terms and conditions. reward means a reward, gift, bonus, good or service or other benefit obtained by you through the accumulation of Reward Points through use of the card or a card account. Reward Centre means the centre maintained by ANZ and/or its agents and contractors, to administer aspects of the card relating to rewards, points records, the Rewards Guide, these terms and conditions, newsletters, the rewards database and rewards statements. Rewards Guide means the current catalogue published from time to time of a selection of rewards that may be claimed by account holders in accordance with these terms and conditions. All reward options are available on anzrewards.com Reward Points means points added to or subtracted from a points record in accordance with these terms and conditions. rewards statement means the summary of Reward Points in the account holder s points record, including the number of Reward Points accrued. spend target means the accumulated dollar value of all qualifying purchases (as specified on anz.com or any other written communication from ANZ) charged to a single black card account during the first year in order to qualify for the loyalty bonus. we, us or our means ANZ Rewards No 2 Pty Limited and Australia and New Zealand Banking Group Limited. ANZ Rewards No 2 Pty Limited (ABN ) Australia and New Zealand Banking Group Limited (ABN ).

25 We welcome your feedback We d like to hear your thoughts and feedback on ANZ. Please send a letter to the Customer Response Centre via: Locked Bag 4050 South Melbourne VIC 3205 YourFeedback@anz.com Making a suggestion Your feedback helps us create a better bank for our customers, staff, shareholders and the community. If you have a suggestion about how we can improve our services, please let us know. Paying a compliment Should you have received exceptional service from one of our staff or found something you particularly liked, please tell us about it. Making a complaint If we make a mistake, or our service doesn t meet your expectations, we want to know. For the fastest possible resolution of your complaint call us on , or talk to staff at your local ANZ branch or business centre. Customer Response Centre will take responsibility and work with you to fix the matter quickly. Our aim is to resolve your complaint within 48 hours and within a maximum of five business days. If this is not possible, we will keep you informed of our progress and how long we expect it will take to resolve your complaint. Whether you re making a suggestion, paying a compliment or making a complaint, your feedback is the key to improving our products and services. ANZ Customer Advocate If your complaint isn t resolved to your satisfaction, you can ask to have it reviewed by ANZ s Customer Advocate who will provide a free, independent review of more difficult complaints to help achieve a prompt solution. Contact details ANZ Customer Advocate 833 Collins Street Docklands VIC customeradvocate@anz.com Most often we ll be able to solve the problem on the spot. If it can t be resolved promptly, our specialist complaints team

26 Financial services dispute resolution schemes If you are not satisfied with the steps taken by ANZ to resolve your complaint, or with the result of our investigation, you may wish to contact an alternative financial services dispute resolution scheme. General banking products credit cards, home loans, deposit products Financial Ombudsman Service GPO Box 3 Melbourne VIC ASIC information on complaints The Australian Securities and Investments Commission s (ASIC) website contains information on making complaints about companies and people and describes the types of complaints handled by ASIC. To obtain further information contact the ASIC Info Line: infoline@asic.gov.au

27 Your ANZ Rewards Black contacts Customer Service Centre Call our Customer Service Centre for any enquiries regarding your ANZ Rewards Black. Rewards Centre Call our ANZ Rewards Centre to check your points balance or redeem your rewards points, Monday to Friday from 8am to 8pm AEST. Personal Concierge Call your 24 -hour Personal Concierge for general travel assistance, travel-related emergency assistance. From overseas call (reverse charges). Lost and Stolen Cards Call the ANZ Lost and Stolen Cards Assistance Centre if your credit card has been lost or stolen, or if you think your card may have been used fraudulently. If your card is lost and stolen we can arrange an emergency cash advance of up to US $5,000. From overseas call (reverse charges). International Calls If you are overseas, call the international operator and ask to be connected to this number with reversed charges*. Emergency Credit If you find you need a credit card limit increase in an emergency, call us to apply for an increase over the phone. You have up to 90 days to repay the additional funds. *Calls can be made via an international operator to reverse charges. Calls must be made from a land line to reverse charges.

28 anz.com Australia and New Zealand Banking Group Limited ABN Australian Credit Licence Number Item No W535523