Offer to change your Lombard Visa Card to Lombard 55 Visa Card.

Lombard Finance Pty Limited Phone: 1300 132 301 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit License 247 415 V1.4.13 Offer to change your Lombard Visa Card to Lombard 55 Visa Card. This offer sets out the changes required to your Lombard Visa Card Product Schedule and Lombard Visa Card Account Conditions of Use for you to have the features of Lombard 55 Visa Card To accept this offer and agree to these changes, simply complete and submit the upgrade form at https://1.lombardfinance.com.au/upgrade_form.aspx. If you do not wish to accept this offer, do not complete and submit the form and your account will continue as per your current agreement. You should keep a copy of this notice as a record of these changes. You can download the revised Conditions of Use at www.lombardfinance.com.au or call us on 1300 132 301. 1. Details of changes to your Lombard Visa Card Product Schedule (a) References to Lombard Visa Card All references to "Lombard Visa Card" are replaced with "Lombard 55 Visa Card ". (b) Title The title of your Lombard Visa Card Product Schedule is replaced with the following: "Lombard Visa Card Product Schedule Lombard 55 Visa Card " (c) First paragraph The first sentence of the first paragraph is replaced with the following: "Your contract comprises this Lombard Visa Card Product Schedule and the Lombard Visa Card Account Conditions of Use, which govern the terms and conditions applying to your Lombard 55 Visa Card." (d) Annual Percentage Rate The following is inserted immediately after paragraph 1(A) of the Annual Percentage Rate: "2 For Voucher Transactions Following the expiry of the Special Promotion Rate Period, the Deferred Payment Interest Free Period or the Interest Free Period, the Standard Annual Percentage Rate (currently 25.9%pa) will apply to the Voucher Transaction." Paragraph 1(B) of the Annual Percentage Rate is replaced with the following: "3 For Other Transactions the Standard Annual Percentage Rate (currently 25.9% pa) applies to all other transactions on and amounts debited to the Lombard Visa Card Account unless we have agreed that a different rate applies at that time. (e) Maximum Interest Free Period The paragraph set out under Maximum Interest Free Period is replaced with the following: "The table below sets out the maximum interest free period, which may apply to various types of transactions effected using your Lombard Visa Card Account:

Transaction type Account Opening Transaction or Voucher Transaction Purchase transaction, (subject to clause 5.6 of the Lombard Visa Card Account Conditions of Use) Maximum interest free period 60 months (where an Interest Free Period applies) 12 months (where a Deferred Payment Interest Free Period applies) 48 months where a special Promotion rate applies) 55 Days V1.4.13 (f) Minimum Repayments Paragraph (a) of Minimum Repayments is replaced with the following: "(a) You must pay any amount your statement refers to as Due Immediately." (g) Credit Fees and Charges The Credit Fees and Charges are amended as follows: The over the limit charge is deleted. The following fees are inserted: "Paper Statement fee: $1.00 per statement Annual fee: $60.00, charged annually on the anniversary of the first transaction using the Lombard Visa Card. International Transaction Fee: 3% of the total purchase amount" (iii) The cash advance usage charge is replaced with the following: "Cash advance usage charge: the higher of $3.00 or 3% of the total cash advance amount, charged each time you use the Lombard Visa Card to obtain a cash advance." (iv) The payment handling fee is replaced with the following: "Payment handling fee: $2.50, charged each time a payment is made to the Lombard Visa Card Account other than by direct debit." 2. Details of changes to your Lombard Visa Account Conditions of Use (a) Introductory paragraph The introductory paragraph is replaced with the following: "These Condition of Use govern the use of the Lombard Visa Card(s) we provide to you, whether a Lombard Visa Card, Lombard 55 Visa Card or 180 Visa Card. Your contract comprises: these Lombard Visa Card Account Conditions of Use; and the Lombard Visa Card Product Schedule. To the extent of any inconsistency between the Schedule and these Conditions of Use the terms of the Schedule will prevail. Please read both documents carefully. Please note that this document also contains the Information Statement and the Direct Debit Request Service Agreement. These Conditions of Use do not contain all of the pre contractual information required by the National Credit Code see the Schedule for the remainder of that information."

(b) Definitions The Definitions section is amended by: V1.0 9/12 Replacing the following definitions (in alphabetical order): "Account Opening Transaction means the manual, paper based transaction you make on the Lombard Visa Card Account with a Retail Partner in connection with which you make an application to us to open the Lombard Visa Card Account. This transaction is effected without the use of the Lombard Visa Card. For this transaction to be effected, you must sign the Schedule. The transaction will not be processed to the Lombard Visa Card Account until we have received the properly signed Schedule. If you do not open the Lombard Visa Card Account and sign the Schedule in this way, the provisions of this Lombard Visa Card Contract which refer to an Account Opening Transaction will not be relevant to you. Deferred Payment Interest Free Period or Deferred Payment IFP means, in respect of an individual transaction on your Lombard Visa Card Account, a period stated by a Retail Partner to be a Deferred Payment Interest Free Period that applies to an Account Opening Transaction or a Voucher Transaction (and/or stated to be such a period in a voucher for an Account Opening Transaction or a Voucher Transaction), during which period we will not require repayment of the amount (or any part of the amount) of the transaction or charge interest in respect of that transaction. After the expiry of the Deferred Payment Interest Free Period, interest will be charged by reference to the Standard Annual Percentage Rate or the Reduced Annual Percentage Rate (if applicable). EFT Terminal means the electronic equipment, electronic system, communications system or software controlled or provided by or on behalf of us or any third party that may be used in conjunction with a Lombard Visa Card and PIN to conduct an EFT Transaction and includes, but is not limited to, an automatic teller machine (ATM) or electronic funds transfer point of sale (EFTPOS) terminal. EFT Transaction means a transaction instructed by you through Electronic Equipment using a Lombard Visa Card and PIN or Card Details but not requiring a manual signature, resulting in the debiting of the Lombard Visa Card Account, including a transaction at an ATM or EFTPOS terminal. Interest Free Period or IFP means: in respect of an individual Account Opening Transaction or a Voucher Transaction on your Lombard Visa Card Account (available for Lombard Visa Card, Lombard 55 Visa Card and Lombard 180 Visa Card), a period stated by a Retail Partner to be an interest free period that applies to the Account Opening Transaction or the Voucher Transaction (and/or stated to be such a period in a voucher for the Account Opening Transaction or the Voucher Transaction) (as relevant); or during which period we will not charge interest in respect of that particular transaction. After the expiry of the Interest Free Period, interest will be charged by reference to the Standard Annual Percentage Rate or (if applicable) the Reduced Annual Percentage Rate. Lombard Visa Card means the Visa debit card issued to you by Cuscal and includes the Lombard Visa Card, the Lombard 55 Visa Card and the Lombard 180 Visa Card. Schedule means the Lombard Visa Card Product Schedule provided to you in respect of the Lombard Visa Card issued to you, which contains the financial table, and forms part of your Lombard Visa Card Contract. Special Promotion Period means, in respect of an individual transaction on your Lombard Visa Card Account, a period stated by a Retail Partner to be a Special Promotion Period that applies to an Account Opening Transaction or a Voucher Transaction (and/or stated to be such a period in a voucher for an Account Opening Transaction or a Voucher Transaction), during which period we will charge interest at the Special Promotion Rate in respect of that particular transaction. After the expiry of the Special Promotion Period, interest will be charged by reference to the Standard Annual Percentage Rate. Special Promotion Rate means, subject to clause 9.1, the rate specified in the Schedule as the Special Promotion Rate or, in relation to a Voucher Transaction, the rate stated by a Retail Partner to be a Special Promotion Rate and confirmed in the voucher receipt. Voucher Transaction means a manual, paper based transaction effected through a Retail Partner that is not an Account Opening Transaction, in respect of which one of the following applies as stated by the Retail Partner and confirmed in the voucher receipt an Interest Free Period;

a Deferred Payment Interest Free Period; or a Special Promotion Period." V1.0 9/12 Replacing the definition of "Unpaid Daily Balance" with the following: "Unpaid Balance means the difference between all amounts credited (paid to) and all amounts debited (paid from) the Lombard Visa Card Account at that time." (iii) Inserting the following definition in alphabetical order: "Reduced Annual Percentage Rate means, subject to clause 9.1, the rate specified in the Schedule as the Reduced Annual Percentage Rate." (c) The Lombard Visa Card Contract (clause 1) Clause 1 is amended as follows: Clause 1.2 is replaced with the following: "1.2 You accept our offer for a Lombard Visa Card Contract when: (a) you activate the Lombard Visa Card in accordance with clause 26: or (b) you sign the Schedule where you open the Lombard Visa Card Account in connection with an Account Opening Transaction (including where you agree to sign the Schedule electronically) and return it to us. When you have accepted our offer for a Lombard Visa Card Contract, you will be bound by: these Lombard Visa Card Account Conditions of Use (both Part A and Part B); the Schedule; and the Privacy Statement, Acknowledgement and Consent; and if you have completed a Direct Debit Request, the Direct Debit Request Service Agreement set out at the end of this document." (d) Opening a Lombard Visa Card Account and transactions on the Lombard Visa Card Account (clause 2) Clause 2 is amended as follows: Clause 2.3 is replaced with the following: "The Lombard Visa Card Account may be used for the following type of transactions: the Account Opening Transaction(s); Card Transactions (including EFT Transactions and Voucher Transactions) (see Part B); and a Balance Transfer Transaction. A Lombard Visa Card must not be used to purchase goods or services that are prohibited by law in Australia and/or in the country in which the goods are being purchased." Clause 2.5 is replaced with the following: "2.5 In order to complete a Voucher Transaction, we must consent to the transaction and you must provide us with your Lombard Visa Card Account number and sign the voucher receipt. No PIN is required for a Voucher Transaction." (iii) Clause 2.7 is replaced with the following: "2.7 We will debit your Lombard Visa Card Account with the amount of each approved Account Opening Transaction, Card Transaction (including for a cash advance) and Balance Transfer Transaction. The amount of the transaction will be debited to your Lombard Visa Card Account on the date that we approve the transaction with the exception of the Account Opening Transaction which may not be debited to your Lombard Visa Card Account until you receive the goods or services the subject of that transaction. A charge applies when you use the Lombard Visa Card to obtain a cash advance. Please refer to the Schedule for details." (e) Standard Annual Percentage Rate and Special Promotion Rate (clause 3) Paragraphs 2 and 3 of clause 3 is replaced with the following:

V1.0 9/12 The Account Opening Transaction and/or Voucher Transactions may attract a Special Promotion Rate. If a Special Promotion Rate applies to the Account Opening Transaction (if any), the Special Promotion Rate is set out in the Schedule. If a Special Promotion Rate applies to a Voucher Transaction, the Special Promotion Rate is stated by a Retail Partner and confirmed in the voucher receipt. The Special Promotion Rate is subject to any later variation in accordance with clause 9. The Special Promotion Rate will operate for a limited period (the Special Promotion Period) if a Special Promotion Period is stated, as relevant, in the Schedule, or by a Retail Partnerand confirmed in the voucher receipt.. Any BPAY Payment made with your Lombard Visa Card Account will attract the Standard Annual Percentage Rate from the date on which the payment is made. (f) Credit Limit and available credit (clause 4 ) The following is deleted from clause 4.2: "An over the limit charge will apply where the credit limit is exceeded. Please refer to the Schedule for details." (g) How is interest calculated? (clause 5 ) Clause 5 is amended as follows: Clause 5.1 is replaced with the following: "5.1 Interest is not charged on a transaction which is subject to an Interest Free Period, for the period of the Interest Free Period, or on a transaction which is subject to a Deferred Payment Interest Free Period, for the period of the Deferred Payment Interest Free Period." Clause 5.2 is replaced with the following: "5.2 Subject to clause 5.1 and 5.6, interest charges are calculated on a daily basis in the following manner." To calculate the interest charge that is payable in respect of a given day, we start by determining the Unpaid Daily Balance of your Lombard Visa Card Account at the end of that day. We then determine if there is any part of that Unpaid Daily Balance that is not to be subject to an interest charge for that day (being a non interest bearing part of the Unpaid Daily Balance for that day). On a given day, any part of the Unpaid Daily Balance that represents the outstanding balance of a transaction that is subject to an IFP or a Deferred Payment IFP at that time will be a non interest bearing amount for that day. Once we have deducted all parts of the Unpaid Daily Balance that are non interest bearing parts of the Unpaid Daily Balance for that day, then the following applies: (a) that part of the remainder of the Unpaid Daily Balance to which the Standard Annual Percentage Rate applies is subject to the application of the Daily Percentage Rate; and (b) that part of the remainder of the Unpaid Daily Balance to which the Special Promotion Rate applies is subject to the application of the Special Promotion Daily Percentage Rate, so as to determine the interest charge for that day." (iii) Clause 5.3 is replaced with the following: "5.3 Each daily interest charge that has accrued under clause 5.2 in respect of a previous day, but which has not previously been debited to your Lombard Visa Card Account, will be debited to your Lombard Visa Card Account monthly, on the last day of a statement period except for interest (from the date of the purchase until the end of the statement period during which the purchase was made) in respect of a purchase where that purchase fails to meet the requirements of clause 5.6 in order to qualify for up to 55 days interest free. Interest on any such purchase (for the period from the date of the purchase until the end of the statement period during which the purchase was made) will be debited to your account on the last day of the statement period which immediately follows the statement period for which the purchase was recorded in your account statement." (iv) Clause 5.3 is renumbered as clause 5.4. (v) Clause 5.4 is renumbered as clause 5.5. (vi) The following clause 5.6 is inserted directly following clause 5.5: "5.6 (This clause only applies to the Lombard 55 Visa Card and the 180 Visa Card. It does not apply to the Lombard Visa Card). We will not charge interest on an individual EFT Transaction for a purchase of goods or services (or an amount less than $250 in the case of the 180 visa card) listed on your account statement if the requirements of this clause 5.6 are met by you. This will mean that you may receive up to 55 days from the transaction date interest free in respect of such a purchase transaction.

V1.0 9/12 To receive this interest free benefit, you must pay, by the due date of the account statement the amount identified in your statement as the "Optional repayment to qualify for up to 55 days interest free on purchases". This amount consists of the following: (a) the closing balance of the account statement (which includes any amount which the account statement refers to as the amount "Due Immediately") less any amount listed on the account statement (including any amount carried forward from any previous account statement) which is referable to a transaction which is subject to an Interest Free Period, a Special Promotion Period or a Deferred Payment Interest Free Period; and (b) an amount equal to 3% of the total of any amounts listed on the account statement (including any amount carried forward from any previous account statement) which is subject to an Interest Free Period or Special Promotion Period. The amount of interest free days you may receive will depend on when you made the relevant purchase during the statement period. This clause 5.6 applies only with respect to an EFT Transaction for a purchase of goods or services as described above. It does not apply with respect to an Account Opening Transaction, a Voucher Transaction, a cash advance or Balance Transfer Transaction." (h) Repayments (clause 6 ) Clause 6 is amended as follows: Clause 6.3 is replaced with the following: "6.3 If your Lombard Visa Card Account statement also refers to an amount Due Immediately, you must pay that amount immediately on receipt of your statement." Clause 6.4 is replaced with the following: "6.4 If a Deferred Payment Interest Free Period applies in respect of a transaction you are not required to make any repayments in respect of that transaction until the expiry of the Deferred Payment Interest Free Period that applies to that transaction. You can, if you wish, repay some or all of this amount at any time you choose." (iii) The last two paragraphs of clause 6.7 is replaced with the following: "Subject to clause 6.8, we may apply payments to any amounts debited to your Lombard Visa Card Account in any order we think fit." (iv) The following clause 6.8 is inserted directly following clause 6.7: "6.8 For any Lombard Visa Card issued on or after 1 July 2012 and subject to any request made by you to apply a payment to a particular amount (and which we agree to do): (a) If more than one annual percentage rate applies to different parts of the Unpaid Balance of your Lombard Visa Card Account, we will first apply payments to that part of the Unpaid Balance to which the highest annual interest rate applies, next to that part of the Unpaid Balance to which the next highest rate applies and so on; and (b) If the same annual percentage rate applies to all parts of the Unpaid Balance of your Lombard Visa Card Account, we will apply the payments to the oldest transaction first and so on." Changes to your Lombard Visa Card Contract and notification (clause 9 ) Clause 9.1(c) is replaced with the following: "(c) changing the amount, frequency, time for payment of any fee or charge;" (j) Action on default (clause 13 ) Clause 13 is replaced with the following: "13. Action on default Where the default is capable of being remedied, we will give you a written notice requiring you to correct any default under this Lombard Visa Card Contract. If you don t do the things specified in the written notice within 30 days all monies you owe to us under the Lombard Visa Card Contract, including any enforcement expense will become immediately due and payable to us. You will be deemed to have failed to remedy the default specified in the notice if, at the end of the time allowed by the notice, you have remedied that default but have committed another of the same type.

V1.0 9/12 We need not give you notice if we are unable to locate you after making reasonable attempts to do so, if we are authorised by a court to begin enforcement proceedings, or if we reasonably believe you fraudulently induced us to enter into this Lombard Visa Card Contract. In that event all monies you owe us will become immediately due and payable on demand. The monies you owe to us will include the Unpaid Balance (including any amount to which a Deferred Payment Interest Free Period applies) and, any accrued interest, any fees and charges or other amount due and owing but not debited to the Lombard Visa Card Account and any enforcement expenses. In addition, we may cancel your Lombard Visa Card and exercise our other rights under this Lombard Visa Card Contract and any right available to us under law." (k) Credit balance (clause 23 ) Clause 23 is replaced with the following: "Your Lombard Visa Card Account cannot have a credit balance. However, if you overpay an amount due to us resulting in your Lombard Visa Card Account having a credit balance, we will not pay interest on that credit balance and will return that credit balance to you promptly." (l) Enquiries (Part B: The Lombard Visa Card) Replace the first sentence of "Enquiries" with the following: "If you would like any further information about Lombard Visa Cards please contact 1300 132 301." (m) Using the Lombard Visa Card outside Australia (clause 32) The title of clause 32 is replaced with the following: "32. Using the Lombard Visa Cards outside Australia" Replacing clause 32(a) with the following: "(a) The use of Lombard Visa Cards outside Australia must comply with any exchange control requirements." (n) Withdrawal and transactions limits (clause 33) Replacing clause 33(a) with the following: "(a) You agree that Lombard Visa Cards must not be used to exceed the unused portion of the credit limit." Replacing clause 33(b) with the following: "(b) If clause 33(a) is breached, we may dishonour any payment instruction given." (o) Renewal of the Lombard Visa Card (clause 36) The title of clause 36 is replaced with the following: "36. Renewal of your Lombard Visa Card"