More than managing the everyday, Earth Black provides a range of premium services to help you do more with your time.

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2 Introducing Earth Black Westpac s most rewarding card. The two credit cards that work as one to provide you with our highest level of rewards, premium travel and lifestyle services. All so you can make the most of your precious time. Watch how your time opens up with our concierge organising your special occasions and discover how you could reach well-deserved rewards in less time, thanks to Earth Black s great Qantas Frequent Flyer points 1 earning potential. Have more time to enjoy the journey with dedicated travel privileges. And throughout it all, there s the luxury of enjoying greater peace-of-mind with the most comprehensive insurance of all Westpac credit cards. earthblack.com.au

3 Personal and Lifestyle Services More than managing the everyday, Earth Black provides a range of premium services to help you do more with your time. You ll have access to a concierge service that s ready to assist with any request you may have from securing a dinner reservation to sourcing tickets to the theatre. Enjoy online shopping in world famous stores that don t usually ship to Australia through globaleshop, plus access to a collection of lifestyle offers and experiences. Earth Black Card Priority Service Line Wherever you are and whatever the time of day, if you have any queries relating to your card, the dedicated Earth Black Card Priority Service line will be ready to help with lost or stolen cards, making payments and more. To contact the 24/7 Earth Black Card Priority Service line, call toll-free anywhere in Australia or reverse charge when overseas. Earth Black Concierge Say farewell to the time consuming and mundane. Your Earth Black Concierge is on-call 24/7 to handle any request. Take your time getting ready, as your concierge has booked the restaurant, ordered your taxi and secured tickets to the show. Ask them for suggestions and help with planning the perfect kids party or choosing that special anniversary gift. Need a bouquet of flowers and champagne sent? Or perhaps the perfect place to sharpen-up your golf swing? No problem. Earth Black Concierge is standing by to attend to your every request. To contact Concierge, call the Earth Black Card Priority Service line. Shop the world with globaleshop Save 30% off shipping when you register and ship with globaleshop 2, an online service for Westpac Earth Black American Express Cardholders. Enjoy hasslefree shopping at any US or UK online sites and have your purchases delivered to your door in Australia. Offer valid until 31 December Enrol now via earthblack.com.au EARTHBLACK.COM.AU EARTH BLACK CARD PRIORITY SERVICE LINE

4 Personal and Lifestyle Services Exclusive Offers and experiences You ll stay in the know with the latest offers reserved for Earth Black cardholders, such as luxury retail shopping advantages, access to special dining experiences, exclusive offers to entertainment events and VIP access to unique cultural experiences. Plus exceptional domestic and international travel privileges and savings. You ll also have access to our partner programs including: Earth Black World courtesy of MasterCard Priceless Sydney courtesy of MasterCard entré brought to you by American Express Visit earthblack.com.au EARTHBLACK.COM.AU Earth Black CARD PRIORITY SERVICE LINE

5 Earth Black Rewards With Earth Black, your spending is even more rewarding thanks to our most generous Qantas Frequent Flyer points earn rate available today. You will also enjoy the benefit of uncapped earning potential with the opportunity to earn Qantas Frequent Flyer points on your purchases with your Earth Black American Express Card or Earth Black World MasterCard, which is conveniently accepted at more than 35 million locations and in over 210 countries. You also earn Qantas Frequent Flyer points fast when you stay, dine or shop with exclusive Earth Black Premium Bonus Partners. OUR highest earn rate and uncapped earning potential Earth Black EARN RATES Qantas Frequent Flyer points per $1 spent on eligible purchases Earth Black World MasterCard points 1 at any Australian merchants 1.5 points 1 at any Overseas merchants Earth Black American Express Card 1.5 points 1 Earth Black Additional POINTs Qantas Frequent Flyer points per $1 spent on eligible purchases Selected Qantas Products & Services in Australia 3 1 bonus point 1 on Earth Black World MasterCard 1 bonus point 1 on Earth Black American Express Card Premium Bonus Program 3 bonus points 1 on Earth Black American Express Card For more information about Bonus Partners, please visit earthblack.com.au EARTHBLACK.COM.AU EARTH BLACK CARD PRIORITY SERVICE LINE

6 Earth Black rewards QANTAS CLUB LOUNGE PASSES With Earth Black, you can enjoy two complimentary Qantas Lounge invitations each year 4 after your first Earth Black Card spend on selected Qantas products and services 3 which you can use on your next Qantas or Jetstar flight. To take advantage of this offer, you must firstly register at earthblack.com.au and then make the applicable card spend. Once in the Qantas Club Lounge, you can unwind with complimentary food and beverages, wireless internet and the latest newspapers and magazines. Qantas Frequent Flyer rewards The Qantas Frequent Flyer points 1 you earn with Earth Black can open the door to a fabulous selection of Qantas Frequent Flyer rewards. You can enjoy many ways to use your points. They can go towards one-way, return or multi-destination Award Flights 8, or flight upgrades 6 on Qantas Domestic and International flights. You can also shop in the online Qantas Frequent Flyer Store 5 for fantastic products and more. Visit qantas.com/frequentflyer Flight Upgrades Use your points for a flight upgrade (if available) on Qantas Domestic and International flights 6 and you could enjoy a more comfortable journey. Qantas & Jetstar Any Seat Awards Your Qantas Frequent Flyer points can also give you the freedom to book any available seat on any Qantas or Jetstar flight with a QF or JQ flight number 7. Qantas Frequent Flyer Store Use your points for quality merchandise and vouchers in the Qantas Frequent Flyer Store. Members can choose from over 3,500 products for delivery in Australia, or from over 2,500 products for delivery in New Zealand 5. Qantas & Partner Classic Awards Spread your wings to over 1,000 destinations worldwide by using your Qantas Frequent Flyer points towards a Classic Award on eligible flights with Qantas and over 30 partner airlines and their affiliates 8. EARTHBLACK.COM.AU Earth Black CARD PRIORITY SERVICE LINE

7 Earth Black TRAVEL Earth Black is truly indispensable, whether it s time to plan your trip or when you re already abroad. You ll enjoy a range of special benefits including hotel room upgrades, late check-outs and elite guest status in two of the world s leading hotel programs. Rest assured, Earth Black hotel partners will make you feel at home from the moment you arrive until your late check-out. Starwood Gold Preferred Guest Membership Earth Black fast tracks you to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts 9. You ll enjoy a complimentary upgrade to Gold status after 1 night s stay in the Asia Pacific region, usually available after staying 25 nights, when you pay with your Earth Black World MasterCard. Membership includes: Upgrade to an enhanced room at check-in 4pm late check-out Ability to earn three Starpoints for every eligible dollar spent, which is a 50% bonus over base level members Redemption opportunities such as Free Night Awards with No Blackouts You can also access member benefits at more than 1,000 amazing hotels spanning across renowned groups like Sheraton, Le Méridien, Four Points, Westin, The Luxury Collection, Aloft, Element SM, St. Regis and W Hotels. Enrol now via earthblack.com.au Exclusive privileges at 650 luxury hotels Your Earth Black American Express Card provides you automatic access to the Luxury Hotel Program. You can take advantage of 2pm check-outs and enjoy welcome gifts along with room upgrades at Fairmont Hotels, Small Luxury Hotels of the World, Melia International Hotels, Raffles, Swissôtel, Guoman, One & Only and The Peninsula Hotels. Visit earthblack.com.au EARTHBLACK.COM.AU EARTH BLACK CARD PRIORITY SERVICE LINE

8 Superior Protection With Earth Black, you ll have greater peace-of-mind with the most comprehensive insurance cover. Protection when you travel Complimentary Overseas Travel Insurance You, your spouse and certain dependent children are covered for overseas trips of up to six months, when you each satisfy the eligibility conditions set out in the policy 10. These include $500 worth of pre-paid travel costs such as booking your flights or hotel stay using your Earth Black Card before you leave Australia. Your cover includes: Certain medical and hospital expenses overseas unlimited cover Unexpected cancellation of your travel arrangements and associated expenses unlimited cover Up to $20,000 per person for accidental loss or damage to eligible personal goods Up to $5,500 of excess cover for loss or damage of a rental vehicle Protection whilst you shop Complimentary Purchase Security Insurance Provides four months cover for many new personal goods purchased on Earth Black in accordance with the policy 10 against loss, theft and accidental damage once you have taken possession of the goods. Complimentary Extended Warranty Insurance Gives you an extension of up to 24 months on the standard manufacturer s Australian warranty on certain new personal goods purchased on Earth Black in accordance with the policy 10. Added security with Westpac CardShield Earth Black is equipped with CardShield to help guard you against fraudulent activity online or in person. Online transaction security guarantee If your Westpac account is compromised as a result of internet fraud we guarantee to refund any missing funds, provided you have complied with our Online Banking Terms and Conditions. 24/7 Falcon protection Monitors every purchase transaction for irregular activity. If a suspicious transaction is detected, our fraud specialists will call you to verify the activity. EARTHBLACK.COM.AU EARTH BLACK CARD PRIORITY SERVICE LINE

9 Contactless Technology Your new Earth Black World MasterCard comes equipped with the latest in contactless technology, MasterCard PayPass, giving you the freedom to Tap & Go. You don t need to swipe or insert your card, enter a PIN or sign for everyday purchases of $100 or less at participating merchants; you simply tap your card against the PayPass terminal and once the purchase is approved, you re on your way. Visit earthblack.com.au Additional cardholder Build your points balance apply for an additional Earth Black Card linked to your account, for your partner or family member aged 16 or over, at no extra cost. Every purchase your additional cardholder makes means you ll be rewarded with more points for yourself. Visit earthblack.com.au for an application form. EARTHBLACK.COM.AU Things you should know: Information current as at 18 February Fees, charges and credit criteria apply. Terms and conditions available on request. General advice in this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. 1. The earning of Qantas Frequent Flyer points using an Earth Black card is subject to the Earth Black Conditions of Use available at earthblack.com.au. Points are earned on eligible purchases only and exclusions and limitations apply. You must be a member of the Qantas Frequent Flyer program to earn and redeem 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 available at qantas.com/terms 2. Globaleshop This offer is brought to you by American Express. Register for free at globaleshop.com/ westpac. This offer is only valid for international shipping costs incurred on The 30% discount on shipping will expire on 31 December The discount is applicable for shipping charges only. All duties, taxes, etc. (if any) will have to be borne by the customer. The shipping discount is applicable only when final payment is made via a valid Earth Black American Express Card (primary and additional cards). American Express will not be liable for any loss or damage howsoever arising suffered by any user from shipping transactions. American Express reserves the right to change the Terms and Conditions at any time without any prior notice. 3. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account, i.e. directly with Qantas or some travel agents, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. When you spend at least $500 on the selected Qantas products and services, you ll pay a fixed rate of 5.99% p.a. on those transactions. To activate this rate you must call us on and notify us after the transaction. From the date you notify us, the promotional rate will apply to that purchase. You will lose the benefit of the interest free days on all credit purchases where the closing balance (including any balance transfer and promotional amount, including any amount to which the promotional 5.99% p.a. fixed rate applies) is not paid in full by the statement due date each month. Prior to notifying us, the standard variable interest rate on purchases will apply to that purchase. 4. Invitations are valid for Qantas Club and Qantas operated international Business Lounges only. Not valid in International First Class lounges, Chairman s Lounge, Qantas Domestic Business, Qantas oneworld alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Qantas Club rules apply which are available at qantas.com/qantasclub. Subject to Qantas Club Invitation Conditions available at westpac.com.au. To be eligible for the two complimentary Qantas Lounge invitations, you must firstly register at loungepass.com.au and then use your Earth Black card on selected Qantas products and services. Each year, you will receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services. The two Qantas Lounge invitations will be sent to your Card account mailing address within 4 weeks of your eligible card spend, provided you are not in breach of the Conditions of Use and your account remains open. The two Qantas Lounge invitations will expire on the date printed on the invitations. 5. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details. 6. Flight upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Awards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Awards and some Red e-deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket). 7. Qantas & Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required for Qantas & Jetstar Any Seat Awards are variable and are only valid when quoted. The points required for Any Seat Awards includes taxes, fees and carrier charges (except any local airport fees or charges collected at the time of check-in). Not all special promotional fares are available as Any Seats Awards. Award flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com 8. Qantas & Partner Classic Award seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Award seats available. For Classic Award flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). 9. Starwood Preferred Guest Enrol online at or call The complimentary upgrade to Gold status ( Promotion ) is valid only for World MasterCard cardholders who are enrolled as Starwood Preferred Guest Gold members ( SPG Members ) at the Preferred Guest Tier, and who have registered for the Promotion, qualified with an eligible stay and made full payment for the eligible stay and all services during the eligible stay with a World MasterCard. Blackout dates and other restrictions may apply to the Promotion. Membership in the Starwood Preferred Guest Program is governed by terms and conditions of the Starwood Preferred Guest Program, which can be found at WorldMasterCardGoldUpgrade or Participation in the Promotion constitutes acceptance of and agreement with the Promotion Terms and Conditions. The Starwood Preferred Guest Program Terms and Conditions and the terms and conditions of the Promotion are subject to change without notice. For the full Terms and Conditions please go to ww.spg.com/ WestpacWorldMasterCard 10. Insurance covers issued by Zurich Australian Insurance Limited ABN AFSL to Westpac under master policies. No Westpac Group company is liable in context with the policies. Conditions, exclusions and limits apply. Refer to the policy for full details, which may be obtained by calling or from westpac.com.au 2013 Westpac Banking Corporation ABN AFSL and Australian credit licence Westpac is the credit provider and credit licensee under National Consumer Credit Laws. Westpac pays Qantas for points issued in relation to this Card. World MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Corporation. PayPass and Tap & Go are trademarks of MasterCard International Corporation. American Express is a trademark of American Express. The Westpac Earth Black American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

10 Uncapped with our highest points earn rate Qantas Frequent Flyer points per $1 spent on eligible purchases: points using Earth Black World MasterCard at any Australian merchants. 1.5 points using Earth Black World MasterCard at any Overseas merchants. 1.5 points using Earth Black American Express Card. Earn points faster Qantas Frequent Flyer points per $1 spent on eligible purchases: 1 bonus point using your Earth Black World MasterCard on selected Qantas products and services in Australia 3. 1 bonus point using your Earth Black American Express Card on selected Qantas products and services in Australia 3. 3 bonus points using Earth Black American Express Card when you stay, dine and shop with our Premium Bonus Partners. Earth Black Card Priority Service line available 24/7, for any card-related queries or servicing, on Earth Black Concierge where no request is regarded as too routine or ordinary, 24/7. Access to a collection of exclusive Earth Black and other exceptional premium experiences and offers. Be fast tracked to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts, which includes benefits like, room upgrades at check-in and 4pm late checkout. Two complimentary Qantas Lounge invitations per year 4 after your first Earth Black Card spend on selected Qantas products and services 3. To take advantage of this offer you must firstly register on earthblack.com.au and opt in for this offer. Most comprehensive complimentary insurance covers of Westpac credit cards: Overseas Travel Insurance Extended Warranty Insurance Transit Accident Insurance EARTHBLACK.COM.AU

11 Earth Black Card Priority Service line, 24/7: toll-free anywhere in Australia reverse charge when overseas Or visit earthblack.com.au NOIR112 (02/13) WZCP0043