Source: https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-platinum/

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Altitude Qantas Platinum

Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.

Important notice

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more

You could earn up to 100,000 bonus Qantas Points[1]

See full offer details below.

Already with Westpac? Sign in to apply and get a $99 card fee for the first year.[2]A $125 annual Qantas Rewards Program fee still applies

Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[3]

Plus earn up to 1 bonus Qantas Point per $1 spent on selected Qantas products and services[4] in Australia

Offer

Earn up to 100,000 bonus Qantas Points

Up to 100,000 bonus Qantas Points[1] — 70,000 bonus Qantas Points in year 1 if you spend $4k+ on eligible purchases[3] within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases[3] within 90 days of card anniversary in year 2.

Already with Westpac? Sign in to apply and get a $99[2] card fee for the first year (reverts to $175 thereafter). A $125 annual Qantas Rewards Program fee still applies.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.

Apply now

Features

'Double dip' for more Qantas Points - Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

Complimentary travel insurances - Access to a range of complimentary travel insurances provided by Allianz Global Assistance.

International cover includes Overseas Emergency Assistance, Overseas Medical & Hospital Expenses, and Personal Liability
Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia covers benefits such as Cancellation, Flight Delay, Lost Luggage and Rental Vehicle Insurance

Terms, conditions, exclusions, limits and applicable sub-limits and eligibility apply.[5]

Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases.[6] Note cash advances aren’t covered by this interest-free period.

Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.

Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.[7]

How to earn points?

0.75	Qantas Points per $1 on international spend
0.5	Qantas Points per $1 on everyday spend
0.33	Qantas Points per $1 spend on all other purchases[8]

Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.[3]

Rates and minimum requirements

New cards only.
Variable purchase rate	23.98% p.a.
Variable cash advance rate	23.99% p.a.
Minimum credit limit	$3,000
Minimum income required	$30,000 p.a.

Fees

New cards only.
Annual card fee	$175
Annual Altitude Qantas Rewards Program fee	$125
Foreign transaction fee	3%Payable as a percentage of the Australian dollar value of any foreign transaction.Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
Cash advance fee	3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

For more information about credit card fees.

What you'll need to apply

You must be

Aged 18 or over AND
Live at a fixed Australian address AND
Receive a regular and verifiable Australian taxable income AND

Meet one of the following requirements

An Australian or New Zealand citizen OR
An Australian permanent resident OR
Hold a valid temporary residence visa, with a minimum of 1 year before expiry

Refer to eligible Australian visa (PDF)

You'll need to provide

Proof of income
Current debts and expenses

Two of these ID documents

Passport
Australian driver licence
Medicare card
Australian birth certificate

Frequently asked questions

How does the Complimentary International Travel Insurance work and am I eligible for it?

For full details on how the complimentary travel insurance works go to Westpac Complimentary Travel Insurance website.

What do the complimentary insurances cover?

From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include:

Domestic Travel Insurance[5]

Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Rental Vehicle Excess Insurance in Australia[5]

Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Complimentary International Medical Travel Insurance[5]

Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.

On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include:

International Travel Insurance[5](see policy for details)

Access up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

Overseas Transit Accident Insurance[5]

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Purchase Protection Insurance[5]

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

Extended Warranty Insurance[5]

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

What kind of businesses are included in the new ‘everyday spend’ category?

Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations and utilities. Below is a list of examples of merchants included in these 4 categories:

Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions (PDF)

Altitude Terms and Conditions (PDF)

Westpac Credit Cards Complimentary Insurance Policy (PDF) – Effective 23 February 2023 (Where you have met the eligibility criteria prior to 1 October 2026)

Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

PartPay Card Terms and Conditions (PDF)

ID checklist to become a customer (PDF)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

[1]

Bonus Qantas Points Promotion Altitude Platinum: Offer commenced 27th November 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Altitude Qantas Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Return to footnote 1

[2]

Existing customers only - Reduced First year Card Fee for Altitude Qantas Platinum: Offer commenced 27th November 2025. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $125 annual Rewards Program Fee still applies for Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Return to footnote 2

[3]

Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

Return to footnote 3

[4]

Qantas products and services: Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

Return to footnote 4

[5]

Complimentary travel insurance covers:

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the relevant Policy Information Booklet and/or Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

On or before 30 September 2026 (where you meet the eligibility criteria on or before that date) the following Policy Information Booklet will apply: Complimentary Insurance Policy Information booklet (PDF).

From 1 October 2026 the following policy documents will apply: Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) (PDF) and/or Product Disclosure Statements (for the Complimentary International Medical Travel Insurance) (PDF). The Target Market Determination for the Complimentary International Medical Travel Insurance is available at www.allianzpartners.com.au/policies/.

Return to footnote 5

[6]

Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

Return to footnote 6

[7]

Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

Return to footnote 7

[8]

If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

Return to footnote 8

Rewards Points: The earning and redemption of Qantas Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Qantas: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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Important information

For Westpac issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Target Market Determinations for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

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Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf

Important notice – replacement of Westpac Credit Cards Complimentary Insurance policy From 1 October 2026, where you hold an eligible Westpac credit card and meet the eligibility criteria for cover on or after that date, coverage for travel is provided as set out in the following policy documents: • Westpac Credit Card International Travel Insurance Product Disclosure Statements 1 • Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet 1 (New Policy Documents) The New Policy Documents are available at westpac.com.au/cctravelinsurance Purchase Protection Insurance, Extended Warranty Insurance and Overseas Transit Accident Insurance will no longer be offered from 1 October 2026 – unless you meet the terms and conditions and eligibility criteria for those insurances before 1 October 2026 (see below for more information). Travel bookings or purchases made before 1 October 2026. Where you meet the terms and conditions and eligibility criteria before 1 October 2026, this Policy Information Booklet will continue to apply for each of the following insurances: • International Travel Insurance • Overseas Transit Accident Insurance • Interstate Flight Inconvenience Insurance • Rental Vehicle Excess in Australia Insurance However, if your journey in accordance with this Policy Information Booklet extends beyond 30 September 2027, the period of cover will end on 30 September 2027 (Period of Cover End Date). This means that the “eligibility criteria” and “period of cover” for each of the above insurances is amended in the Policy Information Booklet such that: • Where it specifies that, in order to be eligible, you must spend or charge to your card account a certain amount on prepaid travel or rental vehicle costs, you must do so on or before 30 September 2026; and • any references to the “period of cover” are subject to the Period of Cover End Date.

The following table sets out examples of when this insurance cover in this Booklet will continue to apply: Type of insurance Eligibility Criteria Covered by the policy in this Booklet? International Travel Insurance On 15 September 2026, you have met all eligibility requirements for International Travel Insurance. Your flight leaves on 26 December 2026 and returns on 15 January 2027. Yes. International Travel Insurance On 1 October 2026, you have met all eligibility requirements for International Travel Insurance. Your flight leaves on 26 December 2026 and returns on 15 January 2027. No. Purchases which meet the minimum spend eligibility on or after 1 October 2026 are no longer covered by this Booklet. Please refer to Westpac Credit Card International Travel Insurance, effective 1 October 2026. 1 Purchase Protection Insurance and Extended Warranty Insurance. Purchase Protection Insurance and Extended Warranty Insurance will continue to apply as set out in the Policy Information Booklet in full, provided that you meet the terms and conditions and eligibility criteria before 1 October 2026. This means that any qualifying purchase must be made before 1 October 2026. There is no change to the Period of Cover. Accessibility support. Visit westpac.com.au/web-accessibility for further information on our accessible products and services for people with disability, who are neurodivergent or where English is not your preferred language. Westpac acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. Things you should know: 1. Complimentary International Medical Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Westpac is the policyholder. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) & Product Disclosure Statement (regarding the Complimentary International Medical Travel Insurance) which may be amended from time to time. Allianz is the insurer of these insurances. Westpac does not guarantee the Complimentary International Medical Travel Insurance and Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. The PDS is available at www.westpac.com.au/credit-cards/manage/travelling-overseas-insurance/insurance-cover and the TMD for the Complimentary International – Travel Insurance is available at www.allianzpartners.com.au/policies/ © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCWCI001 1026

Westpac Credit Cards Complimentary Insurance Policy information booklet. Effective date: 23 February 2023

The Insurer is: Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000. Phone: 13 10 00 The Group policy is issued and managed by: AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited, of Level 16, 310 Ann Street, Brisbane, QLD 4000. Phone: 1800 091 710

3 Claims and Enquiries You can contact Allianz Global Assistance for claims and enquiries using the contact details below. Access claim forms and lodge your travel claim, 24 hours a day, 7 days a week at: insurance.agaassistance.com.au/westpac/ cardclaims@allianz-assistance.com.au Within Australia: 1800 091 710 Monday to Friday: 8am to 8pm AEST Saturday: 8am to 5pm AEST 24-Hour Emergency Assistance Please call emergency services immediately if your condition is life threatening. Allianz Global Assistance Within Australia: 1800 227 773 From overseas: +61 7 3305 7468 Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. Letter of Eligibility for International Travel Insurance You can obtain written confirmation of eligibility for cover for your overseas journey based on the answers you give us, by applying online at: checkyourcover.com.au/westpac If you provide us with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac. Changes to this Booklet The information in this booklet is correct and current as at the date on the cover however, from time to time it is subject to change. Any changes to terms and conditions related to insurance coverage will be communicated to you in writing. Any minor changes unrelated to insurance coverage will be published on Westpac’s website at: westpac.com.au

4 Contents Important information about the complimentary covers available .................. 7 Introduction . ............................................................................................................................ 7 Allianz – the insurer . .............................................................................................................. 7 Westpac is not the issuer (insurer) of these covers . ................................................... 8 Termination or variation of cover . ..................................................................................... 8 Other insurances . ................................................................................................................... 8 Limitation of cover . ................................................................................................................ 9 Allianz Global Assistance Privacy Notice ................................................................ 9 Definitions ...................................................................................................................... 11 International Travel Insurance (for persons aged under 81 years) ................. 21 Part A – Eligibility for Cover . ............................................................................................ 21 Part B – Period of Cover . .................................................................................................... 22 Part C – Benefits Limits . .................................................................................................... 24 Part D – Excesses and General Exclusions . ................................................................ 29 Excesses – what you contribute to a claim . ................................................................... 29 General exclusions . ................................................................................................................ 30 Part E – The Cover Available . .......................................................................................... 33 Epidemics and Pandemics (such as COVID-19) .......................................................... 33 Pre-existing medical conditions . ....................................................................................... 34 Pre-existing medical conditions that are covered (some restrictions apply) . ... 35 Pregnancy . ................................................................................................................................ 36 Emergency and medical services while overseas . ...................................................... 38 Travelling overseas . ............................................................................................................... 39 Section 1.1 Overseas emergency assistance . ............................................................ 40 Section 1.2 Overseas emergency medical . ................................................................. 41 Section 1.3 Overseas emergency dental (spontaneous toothache) . .................. 43 Section 1.4 Evacuation & repatriation . ......................................................................... 44 Section 1.5 Hospital cash allowance . ........................................................................... 44 Section 1.6 Accidental death . .......................................................................................... 45

5 Section 1.7 Funeral expenses . ........................................................................................ 45 Section 1.8 Loss of income . .............................................................................................. 45 Section 1.9 Assault requiring hospital admission . ................................................... 46 Section 2.1 Cancellation . .................................................................................................. 46 Section 3.1 Additional expenses . ................................................................................... 50 Section 3.2 Travel delay expenses . ............................................................................... 53 Section 3.3 Alternative transport expenses . .............................................................. 53 Section 3.4 Return home & resumption of journey following death of a relative . ........................................................................................... 54 Section 3.5 Domestic pets . ............................................................................................... 55 Section 3.6 Hijack . ............................................................................................................... 55 Section 3.7 Kidnap & ransom . ......................................................................................... 55 Section 4.1 Luggage . .......................................................................................................... 56 Section 4.2 Travel documents, transaction cards & travellers cheques . ........... 60 Section 4.3 Luggage delay . .............................................................................................. 61 Section 5.1 Rental vehicle excess . ................................................................................. 61 Section 6.1 Personal liability . .......................................................................................... 62 Overseas Transit Accident Insurance ...................................................................... 64 Part A – Eligibility for Cover . ............................................................................................ 64 Part B – Period of Cover . .................................................................................................... 65 Part C – Benefit Limits . ...................................................................................................... 65 Part D – Excess and Exclusions . ...................................................................................... 68 Part E – The cover available . ............................................................................................ 69 Interstate Flight Inconvenience Insurance ............................................................ 69 Part A – Eligibility for Cover . ............................................................................................ 69 Part B – Period of Cover . .................................................................................................... 71 Part C – Benefit Limits . ...................................................................................................... 71 Part D – Excesses and General Exclusions . ................................................................ 72 Part E – The cover available . ............................................................................................ 74 Section 1.1 Cancellation . ..................................................................................................... 74 Section 2.1 Flight delay . ...................................................................................................... 76 Section 3.1 Luggage . ............................................................................................................ 76

6 Section 3.2 Luggage delay . ................................................................................................ 79 Section 4.1 Funeral expenses . ........................................................................................... 80 Rental Vehicle Excess in Australia Insurance ....................................................... 80 Part A – Eligibility for Cover . ............................................................................................ 80 Part B – Period of Cover . .................................................................................................... 80 Part C – Benefit Limits . ...................................................................................................... 81 Part D – Excess and Exclusions . ...................................................................................... 81 Part E – The cover available . ............................................................................................ 82 Purchase Protection Insurance ................................................................................. 83 Part A – Eligibility for Cover . ............................................................................................ 83 Part B – Period of Cover . .................................................................................................... 84 Part C – Benefit Limits . ...................................................................................................... 84 Part D – Excess and Exclusions . ...................................................................................... 84 Part E – The cover available . ............................................................................................ 86 Extended Warranty Insurance .................................................................................. 87 Part A – Eligibility for Cover . ............................................................................................ 87 Part B – Period of Cover . .................................................................................................... 88 Part C – Benefit Limits ....................................................................................................... 88 Part D – Excess and Exclusions ....................................................................................... 89 Part E – The cover available . ............................................................................................ 90 Claims . ..................................................................................................................................... 91 How to make a claim . ............................................................................................................ 91 Depreciation . ............................................................................................................................ 92 You should not admit fault or liability . ............................................................................ 93 Recovery . ................................................................................................................................... 93 How GST may affect your claim . ...................................................................................... 94 Fraud . .......................................................................................................................................... 94 Complaints & disputes ................................................................................................ 95 General Insurance Code of Practice ........................................................................ 95

7 Important information about the complimentary covers available Introduction. This booklet describes the complimentary insurance benefits provided by Allianz, which are available to Westpac card cardholders and other eligible beneficiaries. Cover applies to events occurring on or after 23 February, 2023. You are not covered for events occurring after termination of or the expiry of the period of the group policy. Westpac will provide accountholders with details of any replacement cover. Allianz – the insurer. These covers are available under a group policy issued to Westpac Banking Corporation, ABN 33 007 457 141, AFSL and Australian credit licence No 233714 (Westpac) of 275 Kent Street, Sydney, NSW 2000 by AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of 310 Ann Street, Brisbane QLD 4000 (Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the group policy on behalf of Allianz. The covers described in this booklet are available for your benefit under a group policy entered into between Allianz Global Assistance and Westpac. Westpac is the policy owner. When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions, limits, applicable sub-limits and claims procedures contained in this booklet. Please read this booklet carefully and keep it in a safe place. Also please keep detailed particulars and proof of any loss including the sales receipts and Westpac card account statements showing any purchases.

8 Westpac is not the issuer (insurer) of these covers. Westpac is not the issuer of these covers and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under these covers. These benefits are available to the beneficiaries upon meeting the eligibility requirements under these covers. Neither Westpac nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or any of their related companies and Westpac does not receive any commission or remuneration in relation to the insurance set out in this booklet. Termination or variation of cover. Westpac or Allianz Global Assistance may terminate any one or all of the covers described in this booklet, and if so Westpac will notify accountholders of the termination or change in writing. The existing cover will only apply to events occurring before the date of change or termination. No cover is available for events occurring after the date of termination. Westpac will provide accountholders with details of any replacement cover. Other insurances. If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a comprehensive travel insurance policy for your overseas journey), in respect of the same loss as your claim under the group policy, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth) Allianz is not liable to provide indemnity under the group policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover available under the group policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy. If you make a claim under another insurance policy and you are not paid the full amount of the claim, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), the cover available to you under the group policy will make up the difference, to the extent of cover that applies, in accordance with the terms and conditions contained in this booklet. We may seek contribution from your other insurer. You must give us any information that we reasonably require to help us make a claim from the other insurer.

9 Limitation of cover. Irrespective of any other provision of the policy, we shall not be deemed to provide cover or be liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Allianz Global Assistance Privacy Notice To offer or provide you with our insurance services, we, namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as ‘Allianz Global Assistance’ and as agent for the insurer Allianz, collects, stores, uses, and discloses your personal information including sensitive information. The insurance cover arises from a group policy taken out between your bank (Westpac) and Allianz and under which you are entitled to cover as a beneficiary when you meet the eligibility criteria set out in the group policy wording. We usually collect your personal information directly from you, but sometimes from others depending upon the circumstances. For example, when you make a claim for cover, we may collect your personal information from you, the group policy holder to check you have met eligibility requirements, your family members and travel companions, as well as from third parties that provide services including doctors, hospitals, airlines, travel and accommodation providers, your agents and representatives, our agents, and other service providers. We are responsible for ensuring your personal information is used and protected in accordance with applicable laws and regulations, including the Privacy Act 1988 . We collect your personal information to enable us to properly assess and manage your insurance claim, and to provide the services we have agreed to provide under the group policy. For example, we collect your name, address, date of birth, email address, and sometimes your medical information, bank account details, as well as other information we collect through devices like ‘cookies’ when you visit our website such as your IP address and online preferences.

10 We use your personal information to offer and provide our services and to manage your and our rights and obligations in connection with your claim. For instance, we use it to check, process, and finalise your insurance claim. We may also use it for product development, customer data analytics, research, IT systems maintenance and development, recovery against third parties, for the detection and investigation of fraud, and for other purposes with your consent or where permitted by law. We do not use your personal or sensitive information for marketing purposes or provide that information to any third parties for marketing. Your personal information may be disclosed to third parties (some of whom are data processors) who assist us to carry out the above activities both inside and outside of Australia, such as claims management providers, travel agents and intermediaries, insurers, investigators, cost containment providers, medical and health service providers, overseas data storage (including ‘cloud’ storage) and data handling providers, legal and other professional advisers, your agents, your travel group leader if you travel in a group, your bank (Westpac) if you are the beneficiary of the bank’s credit card insurances, insurance reference bureaux, and our related and group companies including Allianz. Some of these third parties may be located in other countries including in Europe, Asia, Canada, or the USA. When you provide personal information to us about other individuals, we rely on you to have first obtained the individual’s consent, and to have made them aware of the matters set out in this Privacy Notice. You may also seek access to your personal data and ask us to correct and update it. We will delete your personal data when we no longer need it for a legitimate purpose. You may not access or correct personal information of others unless you have been authorised by their express consent, or unless they are your dependants under 16 years of age. If you have a request or complaint concerning your personal information or about data privacy, please contact: The Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@allianz-assistance.com.au . You can also contact the Privacy Commissioner at the Office of the Australian Information Commissioner, GPO Box 5218, Sydney, NSW 2001 if you have a complaint.

11 For more information about our corporate privacy policy and handling of personal information, including further details about access, correction and complaints, please visit our website at allianz-assistance.com.au and click on the ‘Privacy & Security’ link in the footer. If you do not agree with the matters set out in our privacy policy or will not provide us with the personal information we request, we may not be able to provide you with our services including the assessment and payment of any claims. In cases where we cannot comply with your request concerning your personal information, we will give you reasons why. Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available. Word Meaning accident accidental accidentally a sudden, unforeseen and unintended event. accountholder a Westpac customer, being an individual, business entity or company, who has entered into a card account with Westpac and in whose name the card account was opened. The accountholder is the individual, business entity or company that has contractual obligations with Westpac under the card account. Allianz Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708. Allianz Global Assistance AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631. card a current and valid Level 1 Card or Level 2 Card issued by Westpac. This includes a PartPay Card that is linked to a current and valid Level 1 Card or Level 2 Card.

12 Word Meaning card account • a current and valid Westpac card facility provided by Westpac to which purchases made by cardholders on a Westpac card are charged; or • the primary account linked to a Westpac card to which a transaction is routed by any electronic funds transfer facility. cardholder a person who resides in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency), to whom Westpac has issued a Westpac card. chronic a persistent and lasting condition. It may have a pattern of relapse and remission. concealed storage compartment a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a vehicle. covered breakdown the failure of a covered product to operate for the purpose for which it was designed, as a direct result of a breakdown or defect. This does not include where the breakdown or defect is covered by the terms of the manufacturer’s warranty. covered item an item acquired for personal, domestic or household use but excludes: • items acquired for the purpose of sale or trade; • animals or plant life; • boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories; • computer software and other non-tangible items; • cash, bullion, negotiable instruments, vouchers, gift cards, securities, trading cards, tickets of any description, travellers cheques or collections such as stamps, coins and cards;

13 Word Meaning • consumable or perishable items (including but not limited to food, drink, drugs, cosmetics, fuel or oil); • manuscripts and books of account; • second-hand items including works of art and antiques; • items of contraband; • real estate and movable fixtures or fittings (including but not limited to dish washers, stoves, ovens and fixed air conditioners) which are or are intended to form part of any home or real estate. covered product a new domestic appliance product purchased in Australia that has a manufacturer’s warranty of at least six (6) months and of no more than five (5) years. It does not include any other product. dependant • your child (including step-child, adopted child, foster child and child you care for under a legal guardian arrangement), not in full-time employment who is aged under twenty five (25) years at the time that their eligibility for cover is met; or • all persons who are physically or mentally incapable of self-support who the cardholder has custody of and who live with the cardholder. Dependant does not include any person other than those listed. epidemic an infectious disease that rapidly spreads to a large number of people in a community, population or region. excess the deduction we will make from the amount otherwise payable for each claimable incident or event. financial default insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers, or any other form of insolvency administration or the happening of anything of a similar nature under the laws of any jurisdiction.

14 Word Meaning funeral expenses the costs charged by a funeral director for arranging a funeral service and by a cemetery for a burial or a crematorium for a cremation. It does not include the cost of memorialisation or any other costs. home the place where you normally live in Australia. hospital an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a nursing or convalescent home, or a place for the treatment of alcoholism, drug addiction or substance addiction. income the amount of money you earn from your employment in a trade, business, profession or occupation after the deduction of income tax. injure injured injury bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during the period of cover available and does not result from any illness, sickness or disease. interstate flight return travel on a registered and scheduled commercial passenger airline from any Australian state or territory to another Australian state or territory. journey travel which begins when you leave home or your place of business to commence your travel and ends when you arrive back home or at a hospital or nursing home in Australia (if you are evacuated or repatriated), whichever happens earlier. kidnap kidnapped your actual taking away against your will to hold you in false imprisonment without legal authority for the purpose of demanding ransom.

15 Word Meaning Level 1 Card the following Westpac issued credit cards: • Earth Black; • Earth Platinum Plus; • Altitude Black (including Altitude Qantas Black and Altitude Velocity Black); • Altitude Platinum Plus (including Private Bank Altitude Platinum Plus); • Altitude Qantas Platinum Plus (including Private Bank Altitude Qantas Platinum Plus); • Singapore Airlines Westpac Platinum; • Low Fee Platinum; and • 55 Day Platinum. This includes a Westpac PartPay Card that is linked to a current and valid Level 1 Card. Level 2 Card the following Westpac issued credit cards: • Earth Platinum; • Altitude Platinum (including Altitude Qantas Platinum and Altitude Velocity Platinum); • Singapore Airlines Westpac Gold; • 55 Day Gold; and • Private Bank Gold Mastercard ® . This includes a Westpac PartPay Card that is linked to a current and valid Level 2 Card. loss of as used with reference to hand or foot means severance through or above the wrist or ankle joint. manufacturer’s warranty the manufacturer’s written warranty, properly registered with the manufacturer, that is applicable and able to be fulfilled within Australia.

16 Word Meaning medical adviser a doctor, a clinical psychologist or a dentist, who is not you, your travel companion or a relative or an employee of you, your travel companion or a relative, holding the necessary certification for the country in which they are currently practicing and qualified to give the diagnosis being provided. medical expenses reasonable expenses incurred for: • medical, paramedical or surgical treatment and other treatment given or prescribed by a medical adviser; or • ambulance or hospital charges; or • dental treatment arising as a result of an injury. mental illness any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see psychiatry.org/psychiatrists/practice/dsm or consult your medical adviser). motorcycle any two-wheeled or three-wheeled motor vehicle. natural disaster any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption, but not epidemics or pandemics. overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters. pandemic an epidemic that spreads to multiple countries, continents, or worldwide.

17 Word Meaning pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition; or • any physical condition; or • pregnancy; or • any lifelong illness; or • any chronic illness; or • any mental illness; or • any current or previously treated cancer, or any condition which, in the last two (2) years at the time eligibility for the cover available was met: • was treated by surgery (including day surgery); or • required regular medication; or • required on-going treatment; or • was referred to a specialist medical adviser; or • had regular reviews or check-ups; or • caused admission to hospital; or • was treated at a hospital emergency department or out-patient clinic. quad bike a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control. ransom cash, negotiable instruments, and/or marketable goods surrendered by or on behalf of you to facilitate the ending of a kidnap incident.

18 Word Meaning reasonable • for medical expenses, the standard level given in the country you are in not exceeding the level you would normally receive in Australia; • for other covered expenses, a level comparable to those you have booked for the rest of your journey; or • reasonable, having regard to the circumstances. Reciprocal Health Care Agreement an agreement between the Government of Australia and the government of another country where Australian residents are provided with subsidised essential medical treatment. (Please visit dfat.gov.au for details of Reciprocal Health Care Agreements with Australia). relative • spouse, fiance, fiancee; • parent, parent-in-law, step parent, guardian, grandparent; • child, grandchild, step child, foster child, ward; • brother, half brother, step brother, brother-in-law, sister, half sister, step sister, sister-in-law; • daughter-in-law, son-in-law; or • uncle, aunt, niece, nephew. Relative does not include any other person. rental vehicle a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company or agency. Rental vehicle does not include any other vehicle irrespective of type or weight. return overseas travel ticket a ticket from Australia and return to Australia. sick, sickness a medical condition (including a mental illness), not being an injury, the signs or symptoms of which first occur or manifest during the period of cover available.

19 Word Meaning special event a wedding, funeral, 25th or 50th wedding anniversary, pre-paid conference, pre-paid sporting event, pre-paid concert, pre-paid cruise, pre-paid dinner or pre-paid tour which before you left Australia you had planned to attend. Special event does not include any other event. sporting equipment equipment needed and used to participate in a particular sport and which can be carried about with you. spouse the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts. transaction card a debit card, credit card or travel money card. transportation an aircraft, vehicle, taxi, train, bus or short-haul ferry (but not a cruise ship) that is licensed or authorised to carry fare-paying passengers. Transportation does not include any other means of transport. travel companion a person with whom you made arrangements before the journey began, to travel with you for at least fifty per cent (50%) of the period of cover available for your journey. Travel companion does not include any other person. trip an overseas passage by the cardholder and their spouse and/or dependants as fare paying passengers on transportation. unlimited there is no capped dollar sum insured. Terms, conditions, exclusions, limits and applicable sub-limits apply – refer to Part D – Excesses and General Exclusions and Part E – The Cover Available in this policy information booklet.

20 Word Meaning valuables jewellery, watches, precious metals or semi-precious stones/precious stones and items made of or containing precious metals or semi-precious stones/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), tablets, MP3/4 players and PDAs. Westpac Westpac Banking Corporation, ABN 33 007 457 141, AFSL and Australian credit licence 233714. we, our, us Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708 and its agent AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance. you, your, yourself cardholder, spouse or dependants if they are eligible for the cover available.

21 International Travel Insurance (for persons aged under 81 years) Part A – Eligibility for Cover. Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of Westpac card you have. Who is eligible? As a cardholder with a Level 1 Card or Level 2 Card you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:

you reside in Australia and your journey begins and ends in Australia; and
before leaving Australia you spend at least $500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs (e.g. cost of your return overseas travel ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/travel; and/or your other prepaid overseas itinerary items) to the accountholder’s card account; and
you have a return overseas travel ticket before you leave Australia; and
you are aged under eighty one (81) years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above. Who else is eligible? If the cardholder becomes eligible for the cover available, a spouse and/or dependant(s) also becomes eligible, when each of them individually meets all of the following eligibility criteria:
the spouse and/or dependants reside in Australia and their journey begins and ends in Australia; and
each of the spouse and/or dependants is travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s overseas journey; and

22 3. before leaving Australia at least $500 of each of the spouse and/or dependant’s prepaid travel costs (e.g. cost of return overseas travel ticket, and/or airport/departure taxes, and/or prepaid overseas accommodation/ travel, and/or other prepaid overseas itinerary items) are charged to the accountholder’s card account; and 4. each of the spouse and/or dependants has a return overseas travel ticket before they leave Australia; and 5. each of the spouse and/or dependants are aged under eighty one (81) years at the time they each become eligible for the cover available by meeting conditions 1 to 4 listed above. Dependants under the age of two years at the date the journey commences. If a cardholder satisfies the eligibility criteria set out above, their dependant(s) under the age of two (2) years as at the date the journey commences is eligible for the cover provided the dependant is travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s overseas journey. No cover is available for dependants born on the journey. Refer to the Pregnancy section in Part E – The Cover Available. When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. Part B – Period of Cover. If you have met all the criteria listed under Part A – Eligibility for Cover before leaving Australia, the following maximum period of cover is available for your journey. Card Period of cover Level 1 Cards Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants

23 The maximum period of cover available for your journey cannot be extended by you. The period of cover available under SECTION 2.1 CANCELLATION begins on the date you become eligible by meeting the criteria set out in Part A – Eligibility for Cover. Provided you meet the eligibility criteria set out in Part A – Eligibility for Cover, the period of cover available for all other insured events commences when you leave your home to start your journey or on the departure date shown on your return overseas travel ticket, whichever occurs later. Cover available under all sections ends when the first of the following occurs: • when you return to your home; or • when you arrive at a hospital or nursing home in Australia (if you are evacuated or repatriated); or • at midnight on the date when you are due to return to your home as shown on your return overseas travel ticket; or • six (6) consecutive months for Level 1 Card cardholders, spouses and/or dependants or three (3) consecutive months for Level 2 Card cardholders, spouses and/or dependants after the date of departure shown on your return overseas travel tickets; or • when you cancel your return overseas travel ticket. If you have a return overseas travel ticket and your return to Australia is delayed because of a covered event, or because your scheduled means of transport is delayed for reasons beyond your control: • the period of cover available will automatically be extended by us for up to four (4) consecutive weeks; or • if you are under the care of a medical adviser overseas, who certifies in writing that you are incapable of travel at the end of the additional four (4) consecutive weeks, cover will continue for medical expenses and evacuation for up to twelve (12) consecutive months from the date of your departure from Australia; or • until you are fit to return to your home, whichever occurs first.

24 Part C – Benefits Limits. The table below sets out the amounts and maximum limits of what we will pay under each section of International Travel Insurance. All limits and sub-limits in the table are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. This is a summary only. ~ Where used, the term ‘Unlimited’ means there is no capped dollar sum insured. Terms, conditions, exclusions, limits and applicable sub-limits apply – refer to Part D – Excesses and General Exclusions and Part E – The Cover Available in this policy information booklet. All costs and expenses claimed must be necessary and reasonable. We will only pay for treatment received and/or hospital accommodation during the twelve (12) consecutive month period after the sickness first showed itself or the injury happened. Section Limit Level 1 Cards and Level 2 Cards 1.1 Overseas Emergency Assistance Unlimited ~ 1.2 Overseas Emergency Medical Unlimited ~ 1.3 Overseas Emergency Dental (spontaneous toothache) Emergency dental treatment for sudden and acute pain to natural teeth (spontaneous toothache) up to a maximum total limit of $2,000 per person. 1.4 Evacuation & Repatriation Unlimited ~ 1.5 Hospital Cash Allowance $100 per person per day up to a maximum total limit of $15,000 per person.

25 Section Limit Level 1 Cards and Level 2 Cards 1.6 Accidental Death $50,000 per cardholder $25,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000. 1.7 Funeral Expenses Unlimited ~ 1.8 Loss of Income Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to twelve (12) consecutive weeks incapacity and a maximum of $12,000 for all claims combined. 1.9 Assault requiring Hospital Admission $500 per person 2.1 Cancellation Unlimited ~ except: 2.1.1 a] Travel agents cancellation fees • For travel agent’s cancellation fee which is limited to an amount equal to the lesser of $500 or 15% of the value of the travel arranged by the agent. 2.1.1 b] Accidental death of specified relative living overseas • $2,500 per person up to a maximum total limit of $5,000. 3.1 Additional Expenses Unlimited ~ 3.1.1 a] Additional travel & accommodation expenses due to your incapacity Unlimited ~

26 Section Limit Level 1 Cards and Level 2 Cards 3.1.1 b] Emergency travel & accommodation expenses for a necessary companion Unlimited ~ 3.1.1 c] Additional travel & accommodation expenses due to your travel companions incapacity Unlimited ~ 3.1.1 d] Expenses due to your evacuation or repatriation home Unlimited ~ 3.1.1 e] Repatriation of dependants left without supervision Unlimited ~ 3.1.1 f] Additional travel & accommodation expenses due to specified events Unlimited ~

27 Section Limit Level 1 Cards and Level 2 Cards 3.2 Travel Delay Expenses After six (6) consecutive hours delay, up to $500 per person for meal and accommodation expenses up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants. 3.3 Alternative Transport Expenses Up to a maximum total limit of $3,750. 3.4 Return Home & Resumption of Journey following Death of a Relative Up to $5,750 per person up to a maximum total limit of $12,500 for a cardholder travelling with their spouse and/or dependants. 3.5 Domestic Pets Up to $50 per 24-hour period up to a maximum total limit of $500. 3.6 Hijack Up to $250 per person per 12-hour period. Up to a maximum total limit of $20,000 for a cardholder travelling with their spouse and/or dependants. 3.7 Kidnap & Ransom Up to a maximum total limit of $100,000. 4.1.1 a] Luggage Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories.

28 Section Limit Level 1 Cards and Level 2 Cards 4.1.1 b] Luggage (other than valuables, left in a vehicle) Notwithstanding the above limits under sub-section 4.1.1 a], any covered items that are left unattended in a motor vehicle are only insured up to a maximum total limit of $5,000. 4.1.1 c] Luggage (valuables left in a vehicle or checked in luggage) No cover available except as in the circumstances described under 4.1.1 c] which is limited to a maximum of $5,500. 4.1.1 d] Sporting Equipment while it is in use No cover available. 4.2 Travel Documents, Transaction Cards & Travellers Cheques Up to $550 per person up to a maximum total limit of $1,250 for a cardholder travelling with their spouse and/or dependants for travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash or transaction cards. 4.3 Luggage Delay Up to $800 per person up to a maximum total limit of $1,600 for a cardholder travelling with a spouse and/or dependants. 5.1 Rental Vehicle Excess Up to a maximum total limit of $5,500. 6.1 Personal Liability Up to a maximum total limit of $2,500,000.

29 Part D – Excesses and General Exclusions. Excesses – what you contribute to a claim. You must pay the following excess amounts for each claim made under the following covers even if a number of claims are submitted on the one claim form. However, if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Excess amount 1.1 Overseas Emergency Assistance Nil 1.2 Overseas Emergency Medical $300 1.3 Overseas Emergency Dental (spontaneous toothache) $300 1.4 Evacuation & Repatriation $300 1.5 Hospital Cash Allowance $300 1.6 Accidental Death Nil 1.7 Funeral Expenses Nil 1.8 Loss of Income Nil 1.9 Assault requiring Hospital Admission Nil 2.1 Cancellation $300 3.1 Additional Expenses $300 3.2 Travel Delay Expenses $300 3.3 Alternative Transport Expenses $300 3.4 Return Home & Resumption of Journey following Death of a Relative $300

30 Section Excess amount 3.5 Domestic Pets Nil 3.6 Hijack Nil 3.7 Kidnap & Ransom Nil 4.1 Luggage $300 4.2 Travel Documents, Transaction Cards & Travellers Cheques Nil 4.3 Luggage Delay Nil 5.1 Rental Vehicle Excess $300 6.1 Personal Liability Nil General exclusions. The general exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense arising from, caused by, or in any way related to:

your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
your intentional self harm or your suicide or your attempted suicide;
your use of alcohol or drugs or any transmissible disease resulting from the giving or taking a drug, unless the use of the drug is supervised by a medical adviser;
any expense arising: • from regular or routine antenatal care; • from childbirth at any gestation (except when arising from an injury or sickness);

31 • from care of a newborn child; • after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); • from pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover; 6. your travel in any air supported device other than as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon; 7. your participation in any dangerous activities or your exposure of yourself to danger during your journey unless in an attempt to preserve your life or the life of another person, and includes but is not limited to activities such as: • scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; • mountaineering or rock climbing requiring the use of ropes and/or climbing equipment, racing (other than amateur racing on foot), white water rafting, white water boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity; • any kind of training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000; and • quad bike or motorcycle riding during your journey unless it involves you only driving a motorcycle, with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence in Australia or a licence valid for the country you are travelling in if your Australian licence is not recognised in that country; 8. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 9. your participation as a crew member or pilot of any transportation; 10. your or your travel companion’s failure to obtain a visa, a passport or a passport with a required minimum remaining validity;

32 11. the injury, illness or death of any person who is aged eighty-one (81) years or over at the time you become eligible for cover under International Travel Insurance; 12. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 13. changes in currency rates; 14. your failure to take reasonable care; 15. any epidemic or pandemic, unless your claim relates to you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, and cover is expressly included in the following sections: 1.1 Overseas emergency assistance 1.2 Overseas emergency medical 1.4 Evacuation & repatriation 2.1 Cancellation 3.1 Additional expenses; 16. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 17. a nuclear reaction or contamination from nuclear weapons or radioactivity; 18. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 19. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America; 20. your claim arising because you did not follow an advice or warning that a reasonable person would have been aware of: • by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au ; or • which was published in a reliable mass media source.

33 Part E – The Cover Available. Epidemics and Pandemics (such as COVID-19) If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available to you under the following sections: 1.1 Overseas emergency assistance 1.2 Overseas emergency medical 1.4 Evacuation & repatriation 2.1 Cancellation 3.1 Additional expenses If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover is available to you under the following sections: 2.1 Cancellation 3.1 Additional expenses Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to Part D – Excesses and General Exclusions and the exclusions set out in each of the above sections. For example, you will not be covered if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic while travelling against an advice or warning issued by an Australian government and you did not take reasonable care to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning), refer to General Exclusions 14 and 20 in Part D for more information. Please note, this also applies even if the Australian government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling. For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover.

34 Pre-existing medical conditions. Please ensure that you read the definition of pre-existing medical condition in the section headed Definitions. No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unless: a] Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the group policy; or b] the pre-existing medical condition meets the requirements set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY). If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency and any associated costs, which can be prohibitive in some countries. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone. Online: checkyourcover.com.au/westpac Within Australia Phone: 1800 091 710 During assessment you must answer all of our questions honestly and truthfully. If you do not answer all of our questions honestly and truthfully, your pre-existing medical condition may not be covered by the group policy and any confirmation of cover issued may be invalid. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment. After payment of any required administration fee, Allianz Global Assistance will send you written confirmation (for the period of cover available) that your pre-existing medical condition is covered by the group policy. This International Travel Insurance does not cover any claim arising from the pre-existing medical conditions of your relatives, travel companion or any other person. The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met.

35 Pre-existing medical conditions that are covered (some restrictions apply). If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee as outlined under the heading PRE-EXISTING MEDICAL CONDITIONS. Pre-existing medical condition Requirements that must be met Acne If you have not required treatment by a medical adviser in the last three (3) consecutive months. Allergies If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma. Asthma If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months. Cataracts/ Glaucoma If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months. Coeliac Disease If the condition has not required treatment by a medical adviser in the last six (6) consecutive months. Diabetes/Glucose Intolerance If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months. You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less. You must also not currently be undergoing treatment for kidney, eye or nerve complications. Ear Grommets With no current infection.

36 Pre-existing medical condition Requirements that must be met Epilepsy If there are no underlying medical conditions (e.g. previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years. Gastric Reflux If the condition does not relate to another underlying diagnosis (e.g. Hernia/Gastric Ulcer). Gout If the gout has remained stable for the last nine (9) consecutive months. Hiatus Hernia If no surgery is planned. Hip/Knee Replacement If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago. Hypertension (High Blood Pressure) If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95). Pregnancy. This International Travel Insurance may not be adequate for your needs if you are planning to travel beyond the twenty sixth (26th) week of your pregnancy. No cover is available for a child born during the period of cover available for your journey unless as a consequence of an injury or sickness (occurring during the period of cover available). If you are pregnant when you become eligible for cover available your pregnancy will be defined as a pre-existing medical condition however, any complications of your pregnancy arising from injury or sickness occurring after you became eligible will be covered by the group policy issued to Westpac except if you have had complications in your pregnancy before you became eligible for the cover available. If you fall pregnant after you become eligible, you will be entitled to the cover available arising from any complications of your pregnancy caused by injury or sickness.

37 No cover is available for: • antenatal care; • childbirth at any gestation (except when arising from an injury or sickness); • care of a newborn child; • any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); • pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover. These provisions apply whether you fall pregnant naturally or as a result of medical assistance (such as, through IVF treatment). Any pregnancy related expenses incurred during your journey after the end of the twenty sixth (26) week of your pregnancy will not be covered by this insurance. As a guide to the cover available for pregnancy under the group policy issued to Westpac, including limitations and restrictions, please read through the table below. Your pregnancy Outcome a] You are not yet pregnant however, you are attempting to become pregnant or are undergoing fertility treatment. If you become pregnant after you became eligible, cover is available for any complication arising from an injury or sickness. No cover is available for the course of any treatment you are undergoing at the time your journey commences. b] You will require antenatal care during the period of cover available for your journey. No cover is available for antenatal care.

38 Your pregnancy Outcome c] You are pregnant and are undergoing a course of treatment at the time your journey begins. No cover is available for the course of treatment you are undergoing at the time your journey commences. Cover is available, for medical expenses arising out of an injury. Cover is available for complications arising from sickness but not if you have had complications in your pregnancy before you became eligible for the cover available. d] You are injured or become sick during your journey and give birth as a consequence. Cover is available for medical expenses incurred for the treatment of your injury or sickness and the childbirth occurring as a consequence of the injury or sickness however, no cover is available for complications arising from sickness or a childbirth resulting from sickness if you have had complications in your pregnancy before you became eligible for the cover available. e] You give birth naturally during the period of cover available for your journey. No cover is available either for the childbirth or care of the newborn child. f] You travel beyond twenty six (26) weeks gestation and give birth while you are still overseas. No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy. Emergency and medical services while overseas. Please call emergency services immediately if your condition is life threatening. In the event of an emergency overseas, simply call Allianz Global Assistance at any time on +61 7 3305 7468. Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. Allianz Global Assistance’s team of medical professionals is available to you 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems which occur outside Australia.

39 Allianz Global Assistance has access to a worldwide team of skilled doctors and medical professionals and provides the following services: • Access to medical advisers for emergency assistance and advice; • Emergency transportation to the nearest suitable hospital; • Emergency evacuation, if necessary; • If requested by you, your family in Australia will be advised of your medical condition and be kept informed of the situation; • Payment guarantees to hospitals for reasonable medical expenses and cover verification; • Second opinions on medical matters; • Urgent message service and emergency travel planning. Travelling overseas. You do not have to tell us or Westpac that you will be travelling. Provided you meet the eligibility criteria (see Part A – Eligibility for Cover) and comply with the terms and conditions of this insurance, you will be entitled to the benefits of the cover available. In the event of an emergency overseas contact Allianz Global Assistance using the contact details shown on the inside front cover of this booklet. Allianz Global Assistance are available 24 hours a day, seven days a week. You must take all reasonable steps to prevent or minimise loss. You must take all reasonable precautions to safeguard your belongings. For example, leaving your belongings unsupervised, leaving them behind or walking away from them in a place the public has access to encourages theft and are not reasonable precautions. You must take all reasonable steps to safeguard your own safety and follow the advice and heed the warnings of any government or government agency and any official body and heed warnings broadcast in the mass media. You should take this booklet with you when travelling overseas as it contains important phone numbers and details of the cover available, together with copies of your card account statement and card receipt to establish that you gained your eligibility for cover in accordance with the criteria set out in the section headed Part A – Eligibility for Cover.

40 In the event you wish to make a claim under the cover available (especially if claiming whilst overseas), it will be necessary for you or your agents to confirm to Allianz Global Assistance or its agents that the eligibility criteria was met as previously outlined. Without this information, a claim may be delayed and it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance. Section 1.1 Overseas emergency assistance. Allianz Global Assistance will help you with any overseas emergency (also see EMERGENCY AND MEDICAL SERVICES WHILE OVERSEAS above). You may contact Allianz Global Assistance 24 hours a day, 7 days a week. In addition to an overseas journey, eligible cardholders, spouses and dependants who are onboard a foreign registered vessel in Australian territorial waters will be eligible for the benefits available under this section subject to the terms, conditions, exclusions, limits and applicable sub-limits that apply. 1.1.1 Allianz Global Assistance will arrange. If while overseas, during the period of cover available: a] you injure yourself or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19), provided the relevant injury or sickness is covered by the group policy; or b] require treatment for a pre-existing medical condition: • that Allianz Global Assistance has confirmed in writing is covered by the group policy: or • for which cover is available as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS, Allianz Global Assistance will arrange for the following assistance services: a] access to a medical adviser for emergency medical treatment while overseas; b] any messages which need to be passed on to your family or employer in the case of an emergency; c] provision of any written guarantees for payment under SECTION 1.2 – OVERSEAS EMERGENCY MEDICAL of medical expenses incurred while overseas;

41 d] provision of any written guarantees for payment under SECTION 1.4 – EVACUATION & REPATRIATION of reasonable expenses for your medical transfer or evacuation to the nearest hospital overseas for emergency medical treatment or to be brought back to your home with appropriate medical supervision; and e] advice and assistance with emergency travel planning. 1.1.2 What we exclude. To the extent permitted by law, we will not be responsible for costs and expenses that you would not have incurred had you followed reasonable medical advice. This includes any subsequent medical, hospital or evacuation expenses incurred when you did not follow the reasonable medical advice. Section 1.2 Overseas emergency medical. In addition to an overseas journey, eligible cardholders, spouses and dependants who are onboard a foreign registered vessel in Australian territorial waters will be eligible for the benefits available under this section subject to the terms, conditions, exclusions, limits and applicable sub-limits that apply. 1.2.1 What we cover. Overseas medical expenses due to covered injury or sickness. a] If you injure yourself or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) while overseas, during the period of cover available for your journey, we will reimburse the reasonable medical expenses you incur until you get back to Australia provided that the relevant injury or sickness is covered by this insurance. The medical expenses must have been for treatment given or prescribed by a medical adviser. You should make every reasonable effort to keep your medical expenses to a minimum. Overseas medical expenses due to covered pre-existing medical condition b] If, while overseas during the period of cover available for your journey, you require medical or hospital treatment for a pre-existing medical condition: • that Allianz Global Assistance has confirmed in writing is covered by the group policy: or • for which cover is available as specified in the section headed PRE-EXISTI NG MEDICAL CONDITIONS,

42 we will reimburse you for the medical expenses for treatment given or prescribed by a medical adviser, except for the cost of medication you were on or the cost of a course of treatment you were receiving at the time your journey began. You should make every reasonable effort to keep your medical expenses to a minimum. If you are prevented from returning home because of a sickness, injury or pre-existing medical condition that is covered, we will only pay for medical expenses incurred during the twelve (12) consecutive month period after the sickness was first diagnosed or the injury happened or the pre-existing medical condition we agreed to cover required treatment. If, after assessment of your claim, the reasonable medical advice is that you should return to Australia for treatment and you do not agree to do so, we will pay you an amount up to the limit shown in Part C – Benefit Limits – 1.2 Overseas Emergency Medical, which we reasonably consider to be equivalent to: • your medical expenses incurred overseas to the date Allianz Global Assistance advise you to return to your home; plus • the reasonable amount it would cost us to return you to your home; plus • the non-refundable portion of unused travel and accommodation arrangements you would have incurred had you followed the advice of Allianz Global Assistance. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. 1.2.2 What we exclude. To the extent permitted by law, we will not pay for medical expenses: a] that you would not have incurred had you followed the advice of Allianz Global Assistance; b] if you have received care under a Reciprocal Health Care Agreement; c] relating to dental treatment involving the use of precious metals or for cosmetic dentistry; d] for dental treatment caused by or related to the deterioration and/or decay of teeth; e] for preventative dental treatment;

43 f] arising from a pre-existing medical condition except: • if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY) in the PRE-EXISTING MEDICAL CONDITIONS section in Part E – The cover available; or • as provided in the medical terms letter if Allianz Global Assistance confirmed in writing that the pre-existing medical condition is covered by the group policy; g] any payment which would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or any other applicable legislation (whether in Australia or not). Section 1.3 Overseas emergency dental (spontaneous toothache). 1.3.1 What we cover. If during the period of cover available for your journey, you suffer sudden and acute pain (spontaneous toothache) to natural teeth that is not an injury or sickness covered under section 1.2, we will cover you for the cost of necessary emergency dental treatment to treat the sudden and acute pain, up to the limit specified in Part C – Benefit Limits – 1.3 Overseas Emergency Dental (Spontaneous Toothache). 1.3.2 What we exclude. To the extent permitted by law, we will not pay for expenses: a] if you have received care under a Reciprocal Health Care Agreement; b] relating to dental treatment involving the use of precious metals or for cosmetic dentistry; c] for dental treatment caused by or related to the deterioration and/or decay of teeth; d] for preventative dental treatment; or e] arising from a pre-existing medical condition.

44 Section 1.4 Evacuation & repatriation. 1.4.1 What we cover. If while overseas during the period of cover available for your journey, you injure yourself, or become sick, (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) or require treatment for a pre-existing medical condition and the relevant injury, or sickness, or pre-existing medical condition is covered by this insurance, we will pay the reasonable cost of your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to your home on the written advice of a medical adviser. 1.4.2 What we exclude. To the extent permitted by law we will not pay a claim under this section in addition to a claim under SECTION 2.1 CANCELLATION for the same or similar services. We will only pay the highest amount incurred by you, not both amounts. Section 1.5 Hospital cash allowance. 1.5.1 What we cover. If during the period of cover available for your journey, you are admitted to hospital overseas for a continuous period of more than twenty four (24) consecutive hours as a result of an injury or sickness or pre-existing medical condition that we have agreed is covered, then we will pay you the benefit specified in Part C – Benefit Limits – 1.5 Hospital Cash Allowance for each day in excess of twenty four (24) consecutive hours that you continue to be a hospital inpatient up to the maximum total limit. 1.5.2 What we exclude. To the extent permitted by law we will not pay if you cannot claim for medical expenses connected with the hospital admission under SECTION 1.2 OVERSEAS EMERGENCY MEDICAL.

45 Section 1.6 Accidental death. 1.6.1 What we cover. If, during the period of cover available for your journey; a] you are injured and you die because of that injury within twelve (12) consecutive months of the injury; or b] something you are travelling on or in disappears, sinks or crashes and your body is not found within twelve (12) consecutive months and you are presumed dead; and c] you are not entitled to a loss of life benefit payable under Overseas Transit Accident Insurance, we will pay the benefit specified in Part C – Benefit Limits – 1.6 Accidental Death, up to the maximum total limit, to your estate. Section 1.7 Funeral expenses. 1.7.1 What we cover. If during the period of cover available for your journey you die from a cause that is not excluded, we will pay for your reasonable funeral expenses incurred overseas or the reasonable cost of bringing your remains back to your home. The maximum amount we will pay is specified in Part C – Benefit Limits – 1.7 Funeral Expenses. 1.7.2 What we exclude. To the extent permitted by law, we will not pay for any expenses, or any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home. Section 1.8 Loss of income. 1.8.1 What we cover. If you are a cardholder or a spouse and during the period of cover available for your journey, you suffer an injury requiring medical treatment overseas, and: a] because of the injury you become disabled; and b] the disablement continues for more than thirty (30) consecutive days from the date of your return to your home; and

46 c] you are under the regular care of and acting in accordance with the instructions or advice of a medical adviser who certifies in writing that the disablement prevents you from gainful employment; and d] as a result you lose all your income, then we will pay you up to the specified benefit per week for up to the specified number of consecutive weeks as shown in Part C – Benefit Limits – 1.8 Loss of Income, starting from the thirty first (31st) consecutive day after your return to your home. 1.8.2 What we exclude. No cover is available for loss of income if you are a dependant. Section 1.9 Assault requiring hospital admission. 1.9.1 What we cover: If during the period of cover available for your journey, you suffer an injury resulting from you being assaulted which requires your hospital admission as an inpatient for treatment we will pay you the benefit specified in Part C – Benefit Limits – 1.9 Assault Requiring Hospital Admission. Conditions. If you want to claim under the cover available, you should provide us with written advice from your treating medical adviser specifying the nature of your injury; and a police report detailing the circumstances of the assault as this may be the easiest way to provide proof of your claim. Section 2.1 Cancellation. 2.1.1 What we cover: Unused arrangements, travel agents fees & rescheduling. If after you have met the eligibility criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for: a] any of the following events which are unexpected and unforeseen by you and outside your control:

47 • you or your travel companion is seriously injured or becomes seriously ill (including if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which reasonably prevents you from travelling); • you or your travel companion’s relative living in Australia dies, is seriously injured or becomes seriously ill; • you require medical attention relating to a pre-existing medical condition: − that Allianz Global Assistance has confirmed in writing that cover is available for under the group policy; or − for which cover is available as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY), which prevents you from travelling; • you are pregnant and before your departure from Australia, an unexpected and unforeseen medical complication occurs (which is confirmed in writing by a medical adviser) that prevents you from travelling because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); or − if you suffered complications in your pregnancy before you became eligible for the cover available; • your arranged travel is cancelled or delayed by the carrier because of mechanical breakdown of your means of transport, riots, strikes, civil commotion (but not an act of terrorism), weather conditions or natural disasters; • there is a natural disaster, or a natural disaster has recently happened or is reasonably expected to happen either at your destination or at your or your travel companion’s normal residence in Australia; • a special event is cancelled or postponed; • your or your travel companion’s travel documents are stolen or lost after the purchase of your return overseas travel ticket; • you or your travel companion are quarantined (except when arising from an epidemic or pandemic); • your or your travel companion’s home is totally destroyed;

48 • you or your travel companion are subpoenaed to attend court in Australia (after having purchased your return overseas travel ticket) on a date falling during the period of cover available for your journey; • you or your travel companion are retrenched or made redundant (not including voluntary retrenchment or voluntary redundancy); • you or your travel companion having to sit exams during the period of cover available for your journey, for studies either of you are undertaking, provided that you or your travel companion had no prior knowledge of the date of the exam before you obtained your return overseas travel ticket; • your or your travel companion’s employer cancelling your or your travel companion’s prearranged leave provided you or your travel companion are a full time employee of the police, fire, ambulance, defence or emergency services; • you miss your arranged travel because your preceding flight was delayed or cancelled; or b] accidental death (but not sickness or illness) of any of the following living overseas: • spouse, fiancé, fiancée, parent, parent-in-law, step-parent, guardian; or • child, stepchild, foster child, grandchild; or • sister, sister-in-law, step-sister, brother, brother-in-law, step-brother. If you do not reschedule your journey. If you do not reschedule your travel arrangements, we will reimburse you the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover available for your journey that you have paid in advance of cancellation and cannot recover in any other way, inclusive of travel agent’s cancellation fees which are limited to the amount specified in Part C – Benefit Limits – 2.1 Cancellation, up to the maximum total limit specified in Part C – Benefit Limits – 2.1 Cancellation. If you reschedule your journey. If you reschedule your travel arrangements at the earliest possible opportunity after the unexpected event listed above, we will at our option pay for either: a] any part of your travel and accommodation arrangements scheduled to be used during the period of cover available for your journey, (for which you have previously paid but are unable to use and are non-refundable) that you have rescheduled; or

49 b] the cost of a higher class of travel on the same type of means of transport scheduled to be used during the period of cover available for your journey, or increased seasonal rates for travel, if that is the only class or rate available. We will pay these costs minus the amount of any refundable part of your travel arrangements that you rescheduled. Frequent flyer, airmiles, loyalty points & vouchers. For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for or obtained with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows: c] for frequent flyer points, air miles or loyalty card points: • the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking, multiplied • by the total number of points or air miles lost, • divided by the total number of points or air miles used to make the booking. d] for vouchers, the face value of the voucher. If there is no face value on the voucher we will pay the market value. Conditions. If you want to claim under the cover available, you should do the following as soon as possible after the happening of the unexpected event causing your claim: • cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover available for your journey that you are now unable to use; and • recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as possible – for more information see under the heading Claims or call the contact number shown on the inside front cover of this booklet. If you fail to cancel your pre-arranged travel and accommodation arrangements and we are prejudiced by your delay or failure, we may reduce any amount payable by the amount of prejudice we have suffered.

50 2.1.2 What we exclude. To the extent permitted by law we will not pay your claim if: a] you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover available, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b] caused by you or your travel companion changing plans; c] caused by any business, financial or contractual obligations which prevent you or your travel companion from travelling. This exclusion does not apply to claims where you or your travel companion are retrenched or made redundant in Australia except where a reasonable person in a similar situation would have been aware before you became eligible for cover that the retrenchment or redundancy was to occur; d] a tour operator or wholesaler is unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements scheduled to be used during the period of cover available for your journey, which do not form part of the tour; e] caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; f] caused by financial default or financial collapse of a services provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal; g] caused by an act of terrorism. Section 3.1 Additional expenses. 3.1.1 What we cover. Additional travel & accommodation expenses due to your incapacity. a] If you cannot continue your journey because of an injury, or sickness, (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) or pre-existing medical condition that is covered by this insurance, which occurs during the period of cover available for your journey and needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses.

51 Emergency travel & accommodation expenses for a necessary companion. b] If during the period of cover available for your journey, you are admitted to hospital suffering from a life threatening or other serious condition covered by this insurance we will reimburse the reasonable travel and accommodation expenses for a relative or friend to travel to you, stay near you or escort you. He or she must travel to you, stay near you or escort you on the written advice of your treating medical adviser and with the prior written approval of Allianz Global Assistance. Please contact Allianz Global Assistance for approval of these costs. Additional travel & accommodation expenses due to your travel companion’s incapacity. c] If your travel companion cannot continue their journey because of an injury or sickness (including if your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) which occurs during the period of cover available for your journey and which needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses for you to remain with your travel companion. Please contact Allianz Global Assistance for approval of these costs. No cover is available for a claim arising from any pre-existing medical condition of your travel companion. Expenses due to your repatriation or evacuation home . d] If during the period of cover available, you shorten your journey and return to your home due to a covered event on the advice of your treating medical adviser and with the approval of Allianz Global Assistance, we will reimburse the reasonable additional cost of your return to your home. We will only pay the cost of the fare class that you had planned to travel at and you must make use of any pre-arranged return travel to your home. Please contact Allianz Global Assistance for approval of these costs. Repatriation of dependants left without supervision. e] If your dependants are left without supervision following your hospital admission or evacuation during the period of cover available for your journey, we will pay the reasonable additional travel and accommodation expenses incurred to return them to Australia, including the travel and accommodation expenses of an escort if agreed to by Allianz Global Assistance. Please contact Allianz Global Assistance for approval of these costs.

52 Additional travel & accommodation expenses due to specified events. f] In addition, if during the period of cover available a disruption to your journey arises from: • your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; • you unknowingly break any quarantine rule (but not a quarantine rule applying to an epidemic or pandemic); • you lose your passport, travel documents or transaction cards or they are stolen; or • your home being rendered uninhabitable by fire, explosion, earthquake or flood, we will reimburse your reasonable additional travel and accommodation expenses. Please contact Allianz Global Assistance for approval of these costs. Whenever claims are made by you under this section and SECTION 2.1 CANCELLATION for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. 3.1.2 What we exclude. To the extent permitted by law, we will not pay your claim: a] if you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before you became eligible for the period of cover available, that may cause your journey to be cancelled, disrupted or delayed; b] arising from a pre-existing medical condition of you, your travel companion or a relative except: • if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY) in the PRE-EXISTING MEDICAL CONDITIONS section in Part E – The cover available; or • as provided in the medical terms letter if Allianz Global Assistance confirmed in writing that the pre-existing medical condition is covered by the group policy.

53 c] if you can claim your additional travel and accommodation expenses from anyone else; d] if caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; e] for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement. Section 3.2 Travel delay expenses. 3.2.1 What we cover. If a delay to your journey, for at least six (6) consecutive hours, arises from circumstances outside your control during the period of cover available, we will reimburse the cost of your reasonable additional meals and accommodation expenses. We will pay up to the amount specified in Part C – Benefit Limits – 3.2 Travel Delay Expenses at the end of the initial six (6) consecutive hour period. 3.2.2 What we exclude. We will not pay if a delay to your journey arises: a] from an act of terrorism; or b] due to the financial default or financial collapse of a services provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal. Section 3.3 Alternative transport expenses. 3.3.1 What we cover. If during the period of cover available for your journey, your journey is interrupted by any unforeseen and unexpected cause outside of your control and that means you would not arrive at a special event on time, we will pay your reasonable additional travel expenses up to the amount specified in Part C – Benefit Limits – 3.3 Alternative Transport Expenses to enable you to arrive on time.

54 3.3.2 What we exclude. To the extent permitted by law we will not pay if your scheduled transport is cancelled, delayed, shortened or diverted: a] due to an act of terrorism; or b] due to the financial default or financial collapse of a service provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal. Section 3.4 Return home & resumption of journey following death of a relative. 3.4.1 What we cover. a] If, during the period of cover available for your journey, your relative who is resident in Australia dies unexpectedly, we will reimburse the reasonable additional cost of your early return to your home. We will only pay the cost of the fare class you had planned to travel at. Please contact Allianz Global Assistance for approval of these costs. b] If during the period of cover available for your journey, you return to your home because: • a relative of yours who is resident in Australia dies unexpectedly; and • it is possible for your journey to be resumed; and • there is more than fourteen (14) consecutive days or twenty five per cent (25%), whichever is the greater, remaining of the period of cover available for your journey, as noted on your return overseas travel ticket; and • you resume your journey within thirty (30) consecutive days of your return to your home, we will reimburse you for airfares for you to return to the place you were when your journey was interrupted. However, if the event causing your claim is due to your relative’s pre-existing medical condition, we will reimburse your covered expenses up to the limit specified in Part C – Benefit Limits – 3.4 Return Home & Resumption of Journey following Death of a Relative provided that before you commenced your journey a medical adviser had not diagnosed your relative as being terminally ill. The most we will pay under this sub-section is up to the limit shown in Part C – Benefit Limits – 3.4 Return Home & Resumption of Journey following Death of a Relative.

55 Section 3.5 Domestic pets. 3.5.1 What we cover. If your return home is delayed beyond the end date of the period of cover available for your journey due to a covered event, that is not expected or intended by you and is outside of your control and you incur additional boarding kennel or boarding cattery fees for domestic dogs or cats owned by you, we will reimburse you for the additional fees you incur up to the limit per day specified in Part C – Benefit Limits – 3.5 Domestic Pets up to the maximum total limit specified in Part C – Benefit Limits – 3.5 Domestic Pets. 3.5.2 What we exclude. To the extent permitted by law we will not pay if your delay is due to an act of terrorism. Section 3.6 Hijack. 3.6.1 What we cover. If, during the period of cover available for your journey, control of the transportation you are travelling in is seized by force or threat of force by unauthorised persons and you are detained for more than twelve (12) continuous hours by these persons using violence or threat of violence, we will pay you the benefit per day specified in Part C – Benefit Limits – 3.6 Hijack up to the maximum total limit specified in Part C – Benefit Limits – 3.6 Hijack. 3.6.2 What we exclude. To the extent permitted by law we will not pay if your claim arises from an act of terrorism. Section 3.7 Kidnap & ransom. 3.7.1 What we cover. If, during the period of cover available for your journey, you are kidnapped, we will reimburse you up to the limits specified in Part C – Benefit Limits – 3.7 Kidnap & Ransom for ransom paid to your abductors which results in your release from kidnap.

56 Conditions. You must make every reasonable effort to: • minimise your loss; • not disclose the existence of this insurance cover; • immediately inform the appropriate authorities and conform with their recommendations and instructions; • advise us of the circumstances as soon as practicable; and • keep identifying details (such as serial numbers) of any ransom exchanged for your release. 3.7.2 What we exclude. To the extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America. Section 4.1 Luggage. You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them. 4.1.1 What we cover. a] If, during the period of cover available for your journey, the following covered items or valuables: • baggage, clothing or personal valuables; • portable electrical equipment, laptop computers and associated equipment/accessories, binoculars, cameras and associated equipment/accessories;

57 are stolen, accidentally damaged or are permanently lost, except when: • left in a vehicle (see sub-section 4.1.1 b] below); or • are valuables left in a vehicle or checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see sub-section 4.1.1 c] below); or • is sporting equipment while in use (see sub-section 4.1.1 d] below). The amount we will pay (acting reasonably) will be the lesser of: • the depreciated value after allowing for age, wear and tear (see Depreciation on page 92 for details); • the original purchase price; • the replacement cost; or • the repair cost. We will not apply depreciation to any item we pay for where less than twelve (12) consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is: • up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for personal computers, video recorders or cameras; • up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for mobile phones (including PDAs and any items with phone capabilities); or • up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for all other items. A pair or related set of items, for example (but not limited to): • a camera, lenses (attached or not), tripod and accessories; • a matched or unmatched set of golf clubs, golf bag and buggy; or • a matching pair of earrings, are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. b] Covered items specified in 4.1.1 a] that are left in a vehicle during the period of cover provided for your journey are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is up to the total amount specified in Part C – Benefit Limits – 4.1.1 b] Luggage for all covered items stolen from a locked vehicle.

58 c] No cover is available for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip. However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. d] No cover is available for sporting equipment while it is in use. Conditions. If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is ten per cent (10%) of the limit shown for that type of item in the Part C – Benefit Limits – 4.1 Luggage. We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available.

59 4.1.2 What we exclude. To the extent permitted by law, we will not pay a claim in relation to your covered items and valuables if: a] the loss, theft or damage is to, or of, covered items or valuables left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b] the covered items or valuables were being sent unaccompanied by you or under a freight contract; c] the loss or damage arises from any process of cleaning, repair or alteration; d] the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e] the covered item or valuable disappears in circumstances that cannot be explained to our reasonable satisfaction; f] your claim arises from a government authority confiscating, detaining or destroying anything; g] you do not take all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them; h] the covered item or valuable has an inherent defect or an electrical or mechanical breakdown; i] the covered item or valuable is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; or j] the loss or damage arises from scratches occurring to lenses or screens of covered items or valuables however caused.

60 Section 4.2 Travel documents, transaction cards & travellers cheques. 4.2.1 What we cover. If during the period of cover available for your journey: Re-issue or replacement cost. a] any essential travel documents (including passports), transaction cards or travellers cheques are lost by you, stolen from you or destroyed, then we will pay the issuer’s fees or the replacement costs (including communication costs) of the items lost, stolen or destroyed. Fraudulent use. b] your transaction cards or travellers cheques are lost or stolen, then we will pay for any loss resulting from the fraudulent use of the transaction cards or travellers cheques. The most we will pay is up to the limit specified in Part C – Benefit Limits – 4.2 Travel Documents, Transaction Cards & Travellers Cheques. Conditions. We expect you to report any loss or theft to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. 4.2.2 What we exclude. To the extent permitted by law, we will not pay: a] if your loss arises from your failure to comply with the recommended security guidelines for the use of travellers cheques or transaction cards; or b] for any amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques.

61 Section 4.3 Luggage delay. 4.3.1 What we cover. If during the period of cover available for your journey any of your covered items are delayed, misdirected or misplaced by the carrier for more than twelve (12) consecutive hours, we will reimburse you for the reasonable costs you incur for you to purchase essential items of clothing or other personal items, up to the amount specified in Part C – Benefit Limits – 4.3 Luggage Delay. Conditions. You will need to make reasonable efforts to obtain confirmation from the carrier who was responsible for your covered items confirming that your items were delayed, misdirected or misplaced as this may be the easiest way to provide evidence of the delay. We will deduct any amount we pay you under this section from any subsequent claim you make for lost covered items payable under SECTION 4.1 LUGGAGE. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of cover available. Section 5.1 Rental vehicle excess. Cover is only available under this section if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies.

62 5.1.1 What we cover. If, during the period of cover available for your journey, a rental vehicle you have rented from a rental company or agency is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody, then we will pay you the lesser of: • property damage for which you are liable; or • the amount specified that you must pay under your rental vehicle agreement; or • the limit shown in Part C – Benefit Limits – 5.1 Rental Vehicle Excess. Conditions. You will need to provide us with a copy of: • your rental vehicle agreement; • the incident report that was completed; • repair account; • an itemised list of the value of the damage; and • written notice from the rental company or agency advising that you are liable to pay the amount specified in your rental vehicle agreement. 5.1.2 What we exclude. To the extent permitted by law, we will not pay for a claim that arises from, or is for: a] you using the rental vehicle in breach of the rental agreement; b] you using the rental vehicle without a licence for the purpose that you were using it (such as but not limited to the carrying of passengers or freight); or c] administrative charges or fees of the rental company that are not a component of the amount payable specified in your rental vehicle agreement. Section 6.1 Personal liability. 6.1.1 What we cover. If you become legally liable to pay compensation for negligently causing: • death or bodily injury; or • physical loss of, or damage to property,

63 that happens during the period of cover available for your journey, then we will cover you up to the limit shown in Part C – Benefit Limits – 6.1 Personal Liability, for: • the compensation (including legal costs) awarded against you; and • any reasonable legal costs incurred by you for settling or defending a claim made against you, provided you have approval in writing from Allianz Global Assistance before incurring these costs. Please contact Allianz Global Assistance to confirm approval for these costs. Conditions. We should be told as soon as you or your personal representatives are, or a reasonable person in your circumstances would have been, aware of a possible prosecution, inquest, fatality, accident or incident which might lead to a claim against you. You should not pay or promise to pay, settle with, admit or deny liability to anyone who makes a claim against you without our written consent. If you do, we may reduce or refuse your claim to the extent we are prejudiced. 6.1.2 What we exclude. To the extent permitted by law, we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for: a] bodily injury to you, your travel companion or to a relative or employee of any of you; b] loss of or damage to property belonging to you, or in your care, custody or control (unless the property is a residence and you occupy it during the period of cover available for your journey as a tenant or lessee, or temporary guest); c] your ownership, custody, control or use of any firearm or weapon; d] your ownership, control or use of a motorised vehicle, an aircraft, or a watercraft (other than a non-motorised watercraft used on inland waterways) however, if you do not own or control the vehicle, aircraft or watercraft and are only using it as a passenger, this exclusion does not apply; e] your conduct of, or employment in any business, profession, trade or occupation

64 f] any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, or compensation scheme or fund, or under Workers Compensation legislation, an industrial award or agreement, or Accident Compensation legislation; g] any fine or penalty, or aggravated, punitive, exemplary or liquidated damages; h] any relief or recovery from you other than monetary amounts; i] a contract that imposes on you a liability which you would not otherwise have; j] assault and/or battery committed by you or at your direction; k] any act intended to cause bodily injury, property damage or liability done by you or any person acting with your knowledge, connivance or consent. Overseas Transit Accident Insurance Part A – Eligibility for Cover. Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Eligibility for the covers available depends upon the type of Westpac card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible for the cover available under Overseas Transit Accident Insurance if the entire payment for the trip was charged to the accountholder’s card account prior to the commencement of the trip. Who else is eligible? If the cardholder is eligible for the cover available, the cardholder’s spouse and/or dependants are also eligible provided:

the spouse and/or dependants reside in Australia; and
each of them is travelling with the cardholder on the entire trip; and
the entire payment for their trip was charged to the accountholder’s card account prior to the commencement of the trip.

65 Dependants under the age of two years at the date the trip commences. If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the trip commences is eligible for the cover available provided the dependant is travelling with the cardholder for the entire trip. When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. Part B – Period of Cover. Overseas Transit Accident Insurance provides cover when: a] you board your transportation for your trip and ends when you disembark from your transportation at the end of your trip; b] boarding or alighting, being when you physically get on or off transportation, at any airport, coach depot, railway station or dock during your trip; and c] travelling as a passenger in transportation directly to or from any airport, coach depot, railway station or dock immediately before or after the scheduled trip. Part C – Benefit Limits. The Aggregate Limit of Liability and the table below set out the maximum limits of what we will pay under Overseas Transit Accident Insurance. All limits and sub-limits are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. Aggregate limit of liability. This Overseas Transit Accident Insurance contains an aggregate (maximum) limit of liability for claims from all eligible cardholders, spouses and/or dependants arising from the one event. The most we will pay under Overseas Transit Accident Insurance cover for one event (e.g. a bus crash) is $1,300,000 for Level 1 Cards and Level 2 Cards respectively.

66 This means that regardless of the number of cardholders, spouses or dependants involved in an event who suffer injury, we will pay each on a proportional basis (using the amounts in the table appearing in Part C – Benefit Limits) up to total of $1,300,000 for Level 1 Cards and up to a total of $1,300,000 for Level 2 Cards with a maximum combined total limit of $2,600,000. For example, if five Level 1 Card cardholders plus five Level 2 Card cardholders lost their lives in the same bus crash, we would pay benefits, calculated as follows: Level 1 cards. Five Level 1 Card cardholders: $750,000 each = $3,750,000; Total benefit amount: $3,750,000 Dividing the total aggregate exposure ($1,300,000) by the total benefit amount ($3,750,000) determines the percentage (34.66%) to proportionally reduce benefits to. In this case, the payable benefits would work out to be: Five Level 1 Card cardholders: $260,000 each = $1,300,000 Total benefit amount payable: $1,300,000 Level 2 cards. Five Level 2 Card cardholders: $750,000 each = $3,750,000; Total benefit amount: $3,750,000 Dividing the total aggregate exposure ($1,300,000) by the total benefit amount ($3,750,000) determines the percentage (34.66%) to proportionally reduce benefits to. In this case, the payable benefits would work out to be: Five Level 2 Card cardholders: $260,000 each = $1,300,000 Total benefit amount payable: $1,300,000

67 Maximum benefit amounts. The table below sets out the maximum Benefit Amounts we will pay under Overseas Transit Accident Insurance if an aggregate limit of liability does not apply (see above). Injury Benefit Amount Level 1 Cards and Level 2 Cards Loss of life $750,000 Loss of both hands or loss of both feet $500,000 Loss of one hand and loss of one foot $500,000 Loss of the entire sight in both eyes $500,000 Loss of the entire sight in one eye and loss of one hand and/or loss of one foot $500,000 Loss of one hand or loss of one foot $250,000 Loss of the entire sight in one eye $250,000 If an eligible cardholder, spouse and/or dependant sustains more than one injury arising from an event, we will only pay for one injury, being the injury suffered by the eligible cardholder, spouse and/or dependant which attracts the highest Benefit Amount.

68 Part D – Excess and Exclusions. Excess – what you contribute to a claim. No excess applies to any claim under Overseas Transit Accident Insurance. Exclusions. The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from, or in any way related to:

your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
your intentional self harm or your suicide or your attempted suicide;
illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction;
you failing to take reasonable care;
your travel in any air supported device other than as a passenger in a fully licensed aircraft operated by an airline;
your participation as a crew member or pilot of any transportation;
any act of terrorism;
any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
a nuclear reaction or contamination from nuclear weapons or radioactivity;
biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear;
providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America.

69 Part E – The cover available. What we cover. If, during the period of cover available, you suffer an accident that causes an injury listed in Part C – Benefit Limits within twelve (12) consecutive months of the accident, we will pay you the Benefit Amount (unless reduced by the group policy aggregate limit of liability) specified for the injury listed in Part C – Benefit Limits, that you suffered. In addition, if during a trip: a] you are unavoidably exposed to the elements due to an accident which results in the disappearance, sinking or wrecking of the transportation in which you were travelling and as a result of such exposure you suffer an injury for which a Benefit Amount (unless reduced by the group policy aggregate limit of liability) is payable; b] you disappear due to an accident which results in the disappearance, sinking or wrecking of the transportation in which you were travelling and your body has not been found within twelve (12) consecutive months after the date of such accident, it will be presumed, subject to there being no evidence to the contrary, that you died, we will pay the applicable Benefit Amount (unless reduced by the group policy aggregate limit of liability) listed in Part C – Benefit Limits to you, or to your estate in the case of your death. If you suffer more than one injury as a result of the accident we will pay you no more than the specified Benefit Amount for the most serious injury listed in Part C – Benefit Limits that you suffered. Interstate Flight Inconvenience Insurance Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Part A – Eligibility for Cover. Eligibility for the covers available depends upon the type of Westpac card you have.

70 Who is eligible? As a cardholder with a Level 1 Card or Level 2 Card you are eligible for the cover available if:

you reside in Australia; and
the entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the accountholder’s card account prior to commencing the journey. Who else is eligible? If the cardholder is eligible for the cover available, the cardholder’s spouse and dependants are also eligible provided:
the spouse and/or dependants reside in Australia; and
the entire cost of the spouse and/or dependant(s) return interstate flight (excluding taxes and airport and travel agent charges) is charged to the accountholder’s card account prior to commencing the journey; and
the spouse and/or dependants are travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s journey. Dependants under the age of two years at the date the journey commences. If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the journey commences is eligible for the cover provided the dependant is travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s journey. No cover is available for dependants born on the journey. When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant.

71 Part B – Period of Cover. The period of cover available under SECTION 1.1 CANCELLATION begins on the date you become eligible for cover by meeting the eligibility criteria set out in Part A – Eligibility for Cover. Provided you meet the eligibility criteria set out in Part A – Eligibility for Cover, the period of cover available for all other insured events commences when you leave your home to start your journey or on the departure date shown on your interstate flight ticket, whichever is the later. Cover under all sections ends when the first of the following occurs: a] when you return to your home from the airport shown on your return interstate flight ticket; or b] you cancel your return interstate flight ticket; or c] fourteen (14) consecutive days after your journey starts. Part C – Benefit Limits. The table below sets out the maximum limits of what we will pay under each section of Interstate Flight Inconvenience Insurance. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Section Limit 1.1 Cancellation $3,000 maximum total limit 2.1 Flight Delay 4 hours or more, $125 per person up to a maximum total limit of $500 3.1 Luggage Up to $500 for each item up to a maximum total limit of $1,500 3.2 Luggage Delay 12 hours or more, $125 per person charged to the card account, up to a maximum total limit of $500 4.1 Funeral expenses Up to $2,500 per person up to a maximum total limit of $5,000

72 Part D – Excesses and General Exclusions. Excesses – what you contribute to a claim. You must pay the following excess amounts for each claim made under the following covers even if a number of claims are submitted on the one claim form. However, if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Excess amount 1.1 Cancellation $300 2.1 Flight Delay Nil 3.1 Luggage $300 3.2 Luggage Delay Nil 4.1 Funeral expenses Nil General exclusions. The general exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that may also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from or in any way related to:

your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
any pre-existing medical condition of yours, or of a relative, or of a travel companion;
you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
your intentional self harm or your suicide or your attempted suicide;
your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser;

73 6. your travel in any air supported device other than as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon; 7. your participation in any dangerous activities or your exposure of yourself to danger during your journey unless in an attempt to preserve your life or the life of another person, and includes but is not limited to activities such as: • scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; • mountaineering or rock climbing requiring the use of ropes and/or climbing equipment, racing (other than amateur racing on foot), white water rafting, white water boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity; • any kind of training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000; and • quad bike or motorcycle riding during your journey unless it involves you only driving a motorcycle, with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence; 8. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 9. your participation as a crew member or pilot of any transportation; 10. the injury, illness or death of any person who is aged 80 years or over at the time you become eligible for cover under Interstate Flight Inconvenience Insurance; 11. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 12. your failure to take reasonable care; 13. any epidemic or pandemic; 14. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 15. a nuclear reaction or contamination from nuclear weapons or radioactivity;

74 16. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 17. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Part E – The cover available. Section 1.1 Cancellation. 1.1.1 What we cover: If, after you have obtained your interstate flight ticket and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this insurance) and because of any of the following events which are unexpected and unforeseen by you and outside your control: • you, your travel companion or a relative dies, is seriously injured or becomes seriously ill (except arising from a pre-existing medical condition); • your arranged travel is cancelled or delayed by the carrier because of unexpected natural disasters; • you are quarantined (except arising from an epidemic or pandemic); • your home is totally destroyed; • you are subpoenaed to attend court in Australia (after having purchased your interstate flight ticket) on a date falling during the period of cover available for your journey; • you are retrenched or made redundant (not including voluntary retrenchment or voluntary redundancy), then we will reimburse you: a] the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover available for your journey that you have paid in advance of cancellation and cannot recover in any other way (inclusive of travel agent’s cancellation fees), up to the maximum total limit specified in Part C – Benefit Limits – 1.1 Cancellation; or

75 b] your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under 1.1.1 a] had your journey been cancelled. We will not pay a claim under 1.1.1 b] in addition to a claim under 1.1.1 a] for the same services/facilities. Conditions. If you want to claim under the cover available, you should do the following as soon as possible after the happening of the unexpected event causing your claim: • cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover available for your journey that you are now unable to use; and • recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as possible – for more information see under the headings CLAIMS or call the contact number shown on the inside front cover of this booklet. If you fail to cancel your pre-arranged travel and accommodation arrangements and we are prejudiced by your delay or failure, we may reduce any amount payable by the amount of prejudice we have suffered. 1.1.2 What we exclude. To the extent permitted by law we will not pay your claim if: a] you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover available, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b] caused by you or your travel companion changing your plans; c] caused by any business, financial or contractual obligations which prevent you or your travel companion from travelling. This exclusion does not apply to claims where you or your travel companion are retrenched or made redundant in Australia except where a reasonable person in a similar situation would have been aware before you became eligible for cover that the retrenchment or redundancy was to occur; d] a tour operator or wholesaler is unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements scheduled to be used during the period of cover available for your journey, which do not form part o f the tour;

76 e] caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; f] caused by financial default or financial collapse of a service provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal. Section 2.1 Flight delay. 2.1.1 What we cover. If during the period of cover available for your journey, the departure of your interstate flight, is delayed for the period specified in Part C – Benefit Limits – 2.1 Flight Delay, due to circumstances outside your control and no alternative transport is provided by the carrier, we will reimburse the cost of your reasonable additional meal and accommodation expenses, up to the amount specified in Part C – Benefit Limits – 2.1 Flight Delay. 2.1.2 What we exclude. We will not pay if a delay to your journey arises from an act of terrorism. Section 3.1 Luggage. You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them. 3.1.1 What we cover. a] If, during the period of cover available for your journey, your: • baggage, clothing; or • portable electrical equipment, binoculars, cameras and associated equipment/accessories (but not any other valuables), are stolen, accidentally damaged or are permanently lost, except when: • left in a vehicle (see 3.1.1 b]); or

77 • are valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see 3.1.1 c]); or • is sporting equipment while in use (see 3.1.1 d]). The amount we will pay (acting reasonably) will be the lesser of: • the depreciated value after allowing for age, wear and tear (see Depreciation on page 92 for details); • the original purchase price; • the replacement cost; or • the repair cost. We will not apply depreciation to any item we pay you for where less than twelve (12) consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is up to the item limit specified in Part C – Benefit Limits – 3.1 Luggage and the maximum total limit specified in Part C – Benefit Limits – 3.1 Luggage for all items combined. A pair or related set of items, for example (but not limited to) a camera, lenses (attached or not), tripod and accessories are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. b] Items specified in 3.1.1 a] that are left in a vehicle are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is up to the amount specified in Part C – Benefit Limits – 3.1 Luggage for each item stolen from a vehicle, and up to the total amount specified in Part C – Benefit Limits – 3.1 Luggage for all items stolen from a vehicle. c] No cover is available for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip. However, cover will be available for loss theft or accidental damage to tablets and mobile/smartphones (but not any other valuables) when (without prior notice) you are directed by the airline with whom you have a flight booking to place the tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. d] No cover is available for sporting equipment while it is in use.

78 Conditions. If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is ten per cent (10%) of the limit shown for that type of item in the Part C – Benefit Limits – 3.1 Luggage. We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. 3.1.2 What we exclude. To the extent permitted by law, we will not pay a claim in relation to your items (including valuables) if: a] the loss, theft or damage is to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b] the covered items or valuables were being sent unaccompanied by you or under a freight contract; c] the loss or damage arises from any process of cleaning, repair or alteration; d] the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e] the covered item or valuable disappears in circumstances that cannot be explained to our reasonable satisfaction; f] your claim arises from a government authority confiscating, detaining or destroying any thing;

79 g] you do not take all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them; h] the covered item or valuable has an inherent defect or an electrical or mechanical breakdown; i] the covered item or valuable is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; or j] the loss or damage arises from scratches occurring to lenses or screens of covered items or valuables however caused. Section 3.2 Luggage delay. 3.2.1 What we cover. If during the period of cover available for your journey, any items of your baggage, clothing and personal valuables are delayed, misdirected or misplaced by the carrier for more than twelve (12) consecutive hours, we will reimburse you for the reasonable costs you incur for you to purchase essential items of clothing or other personal items, up to the limit shown in Part C – Benefit Limits – 3.2 Luggage Delay. Conditions. You will need to make reasonable efforts to obtain confirmation from the carrier who was responsible for your luggage and personal effects confirming that your items were delayed, misdirected or misplaced as this may be the easiest way to provide evidence of the delay. We will deduct any amount we pay you under this section from any subsequent claim you make for lost clothing or personal items payable under SECTION 3.1 LUGGAGE.

80 If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. Section 4.1 Funeral expenses. 4.1.1 What we cover. If you die as a result of an injury occurring during the period of cover available for your journey we will pay your reasonable funeral expenses or the cost of repatriation of your remains to your home or nominated funeral home (if necessary) up to the amount specified in Part C – Benefit Limits – 4.1 Funeral Expenses. Rental Vehicle Excess in Australia Insurance Part A – Eligibility for Cover. Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of Westpac card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible when the entire payment for the vehicle rental was charged to the accountholder’s card account. Part B – Period of Cover. The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or the expiry of the rental vehicle agreement, whichever occurs earlier.

81 Part C – Benefit Limits. The table sets out the maximum limits of what we will pay under Rental Vehicle Excess in Australia Insurance. Please read the entire booklet to ensure that the covers, limits and benefits meet your requirements. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Card Limit Level 1 Card and Level 2 Cards Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,500, whichever is the lesser. Part D – Excess and Exclusions. Excess – what you contribute to a claim. An excess of $300 applies to each claim payable under Rental Vehicle Excess in Australia Insurance. You must pay the excess amount for each claim made even if a number of claims are submitted on the one claim form. Exclusions. The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from, or in any way related to:

you using the rental vehicle in breach of the rental vehicle agreement;
you using the rental vehicle without a licence for the purpose that you were using it; (such as but not limited to the carrying of fare paying passengers or the carrying of freight);
administrative charges or fees of the rental company that are not a component of the amount that is specified in your rental vehicle agreement;

82 4. your claim is for consequential loss of any kind including loss of enjoyment; 5. you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill; 6. your intentional self harm or your suicide or your attempted suicide; 7. the effect of or your chronic use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser; 8. any act of terrorism; 9. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 10. a nuclear reaction or contamination from nuclear weapons or radioactivity; 11. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 12. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Part E – The cover available. Cover is only available if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies. What we cover. If, during the period of cover available, a rental vehicle you have rented from a rental company or agency is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody,

83 then we will pay you the lesser of: • property damage for which you are liable; or • the amount specified that you must pay under your rental vehicle agreement; or • the limit shown in Part C – Benefit Limits. Conditions. If you make a claim you must provide a copy of: • your rental vehicle agreement; • the incident report that was completed; • repair account; • an itemised list of the value of the damage; and • written notice from the rental company or agency advising that you are liable to pay the amount specified in your rental vehicle agreement. Purchase Protection Insurance Part A – Eligibility for Cover. Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the limits of the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of Westpac card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible for Purchase Protection Insurance for covered items or valuables: • purchased anywhere in the world; or • given as a gift to any permanent Australian resident, provided the whole purchase price of the covered item is charged to the accountholder’s card account.

84 Part B – Period of Cover. Purchase Protection Insurance applies to covered items and valuables after the date that you take possession of the covered item or valuable when the full purchase price of the covered item or valuable is charged to the accountholder’s card account. The following maximum period of cover is available for your covered items and valuables. Card Period of Cover Level 1 Cards and Level 2 Cards Four (4) consecutive months for purchases made with Level 1 Cards and Level 2 Cards Part C – Benefit Limits. The table sets out the maximum limits of what we will pay under Purchase Protection Insurance. All limits and sub-limits in the table below are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Card Limit Level 1 Cards and Level 2 Cards Purchase price charged to card account limited to $10,000 per covered item or valuable except for jewellery watches and new works of art which are limited to $3,500 per claim. Maximum total limit of all claims in any twelve (12) month period is $135,000. Part D – Excess and Exclusions. Excess – what you contribute to a claim. An excess of $300 applies to each claim payable under Purchase Protection Insurance. You must pay the excess amount for each claim made even if a number of claims are submitted on the one claim form.

85 Exclusions. The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising directly or indirectly from or in any way related to:

the loss, theft or damage to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus;
covered items or valuables being sent unaccompanied by you or under a freight contract;
loss or damage arising from any process of cleaning, repair or alteration;
loss or damage arising from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin;
the disappearance of covered items or valuables in circumstances that cannot be explained to our reasonable satisfaction;
your claim arising from a government authority confiscating, detaining or destroying anything;
you not taking all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them;
the covered item or valuable having an electrical or mechanical breakdown.
any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
a nuclear reaction or contamination from nuclear weapons or radioactivity;

86 11. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 12. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America; 13. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 14. your failure to take reasonable care. Part E – The cover available. You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your covered items or your valuables in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items and your valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them. What we cover. If during the period of cover available, your covered item or valuable is stolen, accidentally damaged or permanently lost, except when: • left in a vehicle; or • are valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus; or • is sporting equipment while in use,

87 we will pay the lesser of: a] the original purchase price charged to the accountholder’s card account up to the limit specified in Part C – Benefit Limits; or b] the limit per claim specified in Part C – Benefit Limits in respect of jewellery, watches and new works of art. The most we will pay in any twelve (12) month period in respect of any one card account is the maximum total limit specified in Part C – Benefit Limits. Conditions. If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. Extended Warranty Insurance Part A – Eligibility for Cover. Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each section of this booklet to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of Westpac card you have.

88 Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered product is charged to the accountholder’s card account. This Extended Warranty Insurance is not transferable. Part B – Period of Cover. Cover applies from the date the manufacturer’s warranty expires and applies for the same period as the manufacturer’s warranty for up to a maximum of two (2) consecutive full years. However, there is no cover if the manufacturer’s warranty exceeds five (5) years. The table below sets out examples of how extended warranty periods apply. Manufacturer’s Warranty Period Extended Warranty Period Level 1 Cards and Level 2 Cards 6 months 6 months 1 year 1 year 2 to 5 years 2 years Over 5 years No cover Part C – Benefit Limits The table sets out the maximum limits of what we will pay under Extended Warranty Insurance. All limits and sub-limits in the table below are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser.

89 Card Limit Level 1 Cards and Level 2 Cards Purchase price charged to card account limited to $20,000 per covered product up to a maximum total limit of $20,000 per card account in any twelve (12) month period. Part D – Excess and Exclusions Excess – what you contribute to a claim. An excess of $300 applies to each claim payable under Extended Warranty Insurance. You must pay the excess amount for each claim made even if a number of claims are submitted on the one claim form. Exclusions. The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from, or in any way related to:

illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction;
your failure to take reasonable care;
any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
a nuclear reaction or contamination from nuclear weapons or radioactivity;
biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear;
providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America.

90 Part E – The cover available. Your covered product may come with guarantees that cannot be excluded under the Australian Consumer Law (ACL) or other relevant law. This cover operates alongside, and in addition to, the rights and remedies to which you may be entitled under the ACL and any other law that applies to your covered product and does not change those rights or remedies. What we cover. If a covered product that you purchased and charged the whole purchase price of to the accountholder’s card account, suffers a covered breakdown during the period of cover available after the manufacturer’s warranty expires we will reimburse you the lesser of: • the original purchase price, or • the repair cost; or • the replacement cost; or • the limit per covered product specified in Part C – Benefit Limits – Extended Warranty Insurance, subject to the maximum total limit for any one card account in any twelve (12) consecutive month period specified in Part C – Benefit Limits – Extended Warranty Insurance. Conditions. Only items with a manufacturer’s unique identification serial number on them are covered under this insurance. You should take all reasonable care to protect and/or maintain your covered products. You should obtain our approval before starting any repairs or replacement of any covered product that has suffered a covered breakdown. You should keep the covered product for which you are claiming or relevant parts of the covered product so that we may inspect them.

91 Claims. How to make a claim. Please do not contact Westpac in the event of a claim. First check that you are entitled to claim by reading the appropriate section in this booklet, especially Part D of that section, to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions. Allianz Global Assistance administers the benefits available under the group policy. You should give Allianz Global Assistance notice of your claim as soon as possible. In order to be sure that any expenses you claim are covered by the group policy you should always, when practicable, contact Allianz Global Assistance for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. You are not covered for any claim made after termination of, or the expiry of the period of insurance specified in, the group policy. Westpac will provide you with details of any replacement cover. You can obtain claim forms and information on how to make a claim at: insurance.agaassistance.com.au/westpac/ You can lodge your travel claim online at: claimmanager.com.au/westpac Allianz Global Assistance will consider your claim within 10 business days of receiving a completed claim form and all necessary documentation. If they need additional information, a written notification will be sent to you within 10 business days. If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we can reduce any claim payable by the amount of prejudice we have suffered because of the delay. You should give any information Allianz Global Assistance reasonably asks for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required Allianz Global Assistance may ask you to provide them with translations into English of any such documents to enable their consideration of y our claim.

92 You should co-operate at all times in relation to providing supporting evidence and such other information that may reasonably be required. In particular: • If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as reasonably possible. Contact Allianz Global Assistance using the contact number, or if overseas the 24-hour Emergency Assistance number, shown inside the front cover of this booklet. • In the event of an emergency or admission to hospital overseas or for medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable. • For loss or theft of your covered items or valuables, you should report it as soon as possible to the police and obtain confirmation of your report. If you delay or fail to make a report, we may reduce or refuse your claim to the extent we are prejudiced by your delay or failure. • For damage or misplacement of your covered items or valuables, caused by the airline or any other operator or accommodation provider, report the damage or misplacement as soon as possible to an appropriate official and make reasonable efforts to obtain a written report, including any offer of settlement that they may make. Depreciation. When taking into consideration the age of a covered item or valuable we will (acting reasonably) deduct the following amounts from our settlement for each item you have claimed: • For toiletries and medication (including skin care, make-up, perfume, deodorant and aftershave) we will deduct 50% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For mobile phones, smart phones, electrical devices, communication devices, all computers (including laptops and tablets), photographic equipment and electronics equipment we will deduct 20% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For clothing, footwear, luggage and books we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 10% of the purchase price for each year you have owned the item up to a maximum deduction of 80%;

93 • For jewellery we will not make any deduction. Please note, watches are not considered jewellery and are included under other items below; • For all other items we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%. For example: You have a $500 digital camera that was purchased 2 years before the date it was lost. The rate of depreciation would be 20% per year. In settlement of your claim we would pay you $300 (i.e. we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows: Year 1 – Purchase price of $500 less 20% ($100) = $400 Year 2 – Depreciated value of $400 less 20% of the purchase price ($100) = $300 Claims are payable in Australian dollars. We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Payment will be made by direct credit to a bank account nominated by you. You should not admit fault or liability. You should not admit that you are at fault, for any accident, incident or event causing a claim, and you must not offer or promise to pay any money, or become involved in legal action, without the approval of Allianz Global Assistance. If you do, we may reduce or refuse your claim to the extent we are prejudiced. Recovery. If we have a claim against someone in relation to the money we have to pay or we have paid, you must take reasonable steps to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you should inform us of such third party. When making a claim you should tell us about any other insurance under which you are or might be able to claim. If you can claim from another insurer and we also pay you in respect of the same insured event, then you will be required to refund to us the amount we paid if the other insurer also paid you. You cannot claim from us and from the other insurer to obtain an aggregate amount that exceeds your loss.

94 If during the period of cover made available, you suffer a loss which is not covered by the group policy, we may offer to attempt to recover your uninsured loss for you. You may specifically ask us to recover this for you however, we have no obligation to do so. You will need to give us documents supporting your loss. Before we include any uninsured loss in a recovery action we will also ask you to agree to the basis on which we will handle your uninsured recovery action. You may need to contribute to legal costs in some circumstances. We will apply any money we recover from someone else under a right of subrogation in the following order:

To us, our costs (administration and legal) arising from the recovery.
To us, an amount equal to the amount that we paid to you under the group policy.
To you, your uninsured loss (less your excess).
To you, your excess. Once we pay your total loss (including your uninsured loss and any excess) we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you will need to pay us the amount of that payment up to the amount of the claim we paid you. How GST may affect your claim. If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. Fraud. When making a claim you have a responsibility to assist us and to act in an honest and truthful manner. If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in this booklet, then no payment will be made in regard to the claim. Also Westpac will be informed of the situation and you may no longer be eligible for the cover described in this booklet.

95 Complaints & disputes If you are dissatisfied with our service in any way, please contact us and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. If we do not make a decision within the period that we tell you we will respond, we will tell you about your right to lodge a complaint with an external dispute resolution scheme. If you are not happy with our response, you can refer your complaint to AFCA subject to its terms of reference. AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. AFCA’s contact details are: The Australian Financial Complaints Authority Online: www.afca.org.au Phone: 1800 931 678 Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001 For more information on how we handle complaints you can request a copy of our procedures, using our contact details on the inside front cover. General Insurance Code of Practice The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code. You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this booklet. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au.

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We’re here to help For Complimentary Insurance claims and enquiries, contact Allianz Global Assistance on 1800 091 710 Monday to Friday: 8am to 8pm AEST Saturday: 8am to 5pm AEST For Card related queries, contact Westpac on 132 032 8am to 8pm EST Monday to Friday (excluding public holidays) westpac.com.au Ask at any branch Accessibility support If you are deaf, hard of hearing, or have speech/communication difficulty, you can message us within the Westpac App or communicate with us using the National Relay Service www.accesshub.gov.au/about-the-nrs . If English is not your preferred language, contact us and we can arrange a language interpreter. Visit www.westpac.com.au/web-accessibility for further information on the accessible features on our products, services and accessible collateral for people with disability, who are neurodivergent or where English is not your preferred language. Westpac acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. Mastercard ® is a registered trademark of Mastercard International Incorporated. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCWCI001 1026

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_Domestic_Complimentary_Insurance_Policy_Information_Booklet.pdf

Westpac Credit Card Domestic Complimentary Insurance Effective: 1 October 2026 Policy Information Booklet

Contact Allianz Global Assistance Claims and general enquiries 1800 091 710 Monday to Friday 8am to 8pm AEST Saturday 8am to 5pm AEST Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/westpac/make-a-claim Email: cardclaims@allianz-assistance.com.au 24 hour Assistance 1800 227 773 (within Australia) Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. The Group Policy is issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000 The Group Policy is insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000

Contents PART A Summary of products and benefits available 1 Who is the Insurer? 3 Who is Allianz Global Assistance? 3 PART B The Cover Available 4 Introduction 5 The Bank is not the issuer or insurer of the covers 5 Termination or variation of cover 6 Other Insurances 7 Domestic Travel Insurance 8 Eligibility 8 Period of Cover 9 Table of Benefits 9 Excesses 10 The Cover Available 10 Exclusions 22 Rental Vehicle Excess Insurance in Australia 25 Eligibility 25 Period of Cover 25 Table of Benefits 25 Excesses 26 The Cover Available 26 Exclusions 27 PART C Important things you need to know 29 Limitation of cover 30 Jurisdiction and choice of law 30 Privacy Notice 30 Claims 32 Complaints & Disputes 37 General Insurance Code of Practice 38 Definitions 38

PART A Summary of products and benefits available 1

Depending on your card type, you may be eligible to access certain insurance benefits under your Bank’s Group Policy, this cover is included with your card at no added cost to you. You must fulfil the eligibility criteria for your eligible card type in order to access the complimentary cover in this Policy Information Booklet. All benefits listed below in this Part A are a summary only. Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the relevant parts for more information. Level 1 Cards and Level 2 Cards Domestic Travel Insurance Cancellation Additional Expenses Flight Delay Luggage Luggage Delay Rental Vehicle Excess Insurance in Australia Rental Vehicle Excess Insurance in Australia PART A – Summary of products and benefits available 2

Eligible cards LEVEL 1 CARDS • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black Mastercard • Low Fee Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid card. LEVEL 2 CARDS • Altitude Platinum Mastercard • Altitude Qantas Platinum Mastercard • Altitude Velocity Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid card. Who is the Insurer? The insurance cover described in the Policy Information Booklet are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz), telephone 132 664. Who is Allianz Global Assistance? Allianz Global Assistance is a trading name of AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone (07) 3305 7000. Allianz Global Assistance is authorised by Allianz to issue and manage the insurances. Allianz Global Assistance is also authorised to deal with and settle any claims under them, as the agent of Allianz, not as your agent. Allianz Global Assistance acts under a binder which means that it can do these things as if it were the insurer. It administers all the benefits of these insurances. For all assistance services, you may contact Allianz Global Assistance 24 hours a day, 7 days a week. 3 PART A – Summary of products and benefits available

PART B The Cover Available 4

Introduction The covers within this Policy Information Booklet are available to eligible cardholders by virtue of the Group Policy entered into with the Bank. Part B describes the complimentary insurance benefits provided by Allianz which are available to eligible cardholders and other eligible beneficiaries. The cover in this group policy applies when the eligibility criteria is met on or after 1 October 2026. You are not covered if you meet eligibility criteria after termination of or expiry of the period of the Group Policy. The Bank will advise cardholders of any replacement cover. For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz. The covers described in this Part B are available for your benefit under a Group Policy entered into between Allianz Global Assistance on behalf of Allianz and the Bank. The Bank is the Group Policy owner. When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions, limits, applicable sub-limits and claims procedures contained in this Policy Information Booklet. Please read the Policy Information Booklet carefully and keep it in a safe place . Also please keep detailed particulars and proof of any loss. Examples may include sales receipts and card account statements showing any purchases. The Bank is not the issuer or insurer of the covers The Bank is not the issuer or insurer of the Group Policy and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under the covers available. These benefits are available to the beneficiaries upon meeting the eligibility under these covers. Neither the Bank nor any of its related corporations are Authorised Representatives of Allianz, 5 PART B – The Cover Available

Allianz Global Assistance or their related companies and the Bank does not receive any commission or remuneration in relation to the covers set out in the Policy Information Booklet. Termination or variation of cover The Bank or Allianz may terminate or agree to vary the terms, conditions and cover available to cardholders under the Group Policy as set out in this Policy Information Booklet. If this occurs, the Bank will give the accountholder at least 30 days’ written notice before the termination or change takes effect. The Bank may give less notice, or publish the notice on the Bank’s website if: • there is a minor change with no effect to the cardholders’ cover or eligibility criteria (e.g. change of contact details); • the variation is favourable to the cardholder (in which case the Bank will take reasonable steps to provide written notice as soon as reasonably possible); or • the Bank and Allianz is reasonably required to act quickly to change the terms of the Group Policy to manage a material and immediate risk arising from: a) a potential or actual breach of any law; or b) a proposed change in, or interpretation of, a law or any decision, recommendation, regulatory guidance or standard of any court, tribunal, ombudsman service, regulatory or other similar body. A risk will be considered material and immediate if to protect the Bank’s and/or Allianz’s legitimate business interests, the Bank and/or Allianz are required to act quickly to change the terms, conditions and/or cover, or terminate the cover, as set out in this Part B. Where there is a termination or change to the terms, conditions and/or cover as set out in this Policy Information Booklet the existing terms, conditions and/ or cover will only apply where eligibility criteria are met before the date of the change or termination. Where the Group Policy is terminated, no cover is available where eligibility criteria are met after the date of termination. The Bank will provide accountholders with details of any replacement cover and its relevant effective date. PART B – The Cover Available 6

Other Insurances If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a travel insurance policy you purchased separately for your domestic journey), in respect of the same loss as your claim under this Group Policy, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), Allianz is not liable to provide indemnity under this Group Policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover made available under this Group Policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy. If you make a claim under another insurance policy and you are not paid the full amount of the claim, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), the cover made available to you under the Group Policy will make up the difference, to the extent of cover that applies, in accordance with the terms and conditions contained in this Policy Information Booklet. Should we make payment to you for the full amount of the claim, we may seek contribution from your other insurer. In such circumstances, you must give us any information that we reasonably require to help us make a contribution claim from the other insurer. 7 PART B – The Cover Available

Domestic Travel Insurance Eligibility WHO IS ELIGIBLE? If you are a Level 1 Card or Level 2 Card cardholder, you are eligible for the cover available if: • the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey. In order to be eligible to claim under Domestic Travel Insurance your eligible card must remain current and valid for the entire duration of your journey. WHO ELSE IS ELIGIBLE? If the cardholder is eligible for the cover available, the cardholder’s spouse and dependants are also eligible if: a) the entire cost of the spouse and/or dependant(s) return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; and b) the spouse and/or dependants are travelling with the cardholder for at least 50% of the period of cover made available to the cardholder for the cardholder’s journey. Dependants under the age of two years at the date the journey commences If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two years as at the date the journey commences is eligible for the cover provided the dependant is travelling with the cardholder for at least 50% of the period of cover available to the cardholder for the cardholder’s journey. No cover is available for dependants born on the journey. PART B – The Cover Available 8

Period of Cover The period of cover available under 1.1 Cancellation on page 12 begins on the date you become eligible for cover by meeting the eligibility criteria set out in the Eligibility section. Provided you meet the eligibility criteria set out in the Eligibility section, the period of cover made available for all other insured events commences when you leave your home to start your journey or on the departure date shown on your return domestic flight ticket, whichever is the later. Card Period of Cover Level 1 Cards & Level 2 Cards Up to 14 consecutive days per journey Cover under all sections of the Domestic Travel Insurance ends when the first of the following occurs: a) when you return to your home from the airport shown on your return domestic flight ticket; or b) when you cancel your return domestic flight ticket; or c) 14 consecutive days after your journey starts. For the avoidance of doubt, the period of cover available is for a maximum of 14 days per journey. Table of Benefits The table below sets out the benefits available and the maximum amount we will pay for all claims combined under each benefit of Domestic Travel Insurance, including any sub-limits. All limits and sub-limits in the table are shown in Australian dollars. The cover available is outlined in The Cover Available and is subject to the applicable terms, conditions, exclusions, limits and applicable sub-limits. All costs and expenses claimed must be necessary and reasonable. 9 PART B – The Cover Available

Benefit Excess applies Limit 1.1 Cancellation Yes $3,000 2.1 Flight Delay (4 hours or more) No $500 (Up to $125 per person) 3.1 Additional Expenses Yes $1,000 4.1 Luggage Yes $1,500 (Up to $500 for each covered item) 4.2 Luggage Delay (12 hours or more) No $500 (Up to $125 per person) Excesses You must pay the following excess amounts for each claim made under the following benefits even if a number of claims are submitted on the one claim form. However if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Cover type Excess 1.1 Cancellation $100 2.1 Flight Delay Nil 3.1 Additional Expenses $100 4.1 Luggage $100 4.2 Luggage Delay Nil The Cover Available In order to be sure that you are covered under this Domestic Travel Insurance, where reasonable, you should always call us for approval before you incur certain expenses. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. PART B – The Cover Available 10

EPIDEMICS AND PANDEMICS (COVID-19) If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available to you under the following sections: • 1.1 Cancellation • 3.1 Additional Expenses If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover is available to you under the following sections: • 1.1 Cancellation • 3.1 Additional Expenses Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to General Exclusions for Domestic Travel Insurance on page 22 and the exclusions set out in each of the above sections. For example, you will not be covered if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic while travelling against an advice or warning issued by an Australian government (including Commonwealth, State or Territory governments) and you did not take reasonable care to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning), refer to General Exclusions 5 and 13 for Domestic Travel Insurance on page 22 for more information. Please note, this also applies even if the Australian government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling. For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover. 11 PART B – The Cover Available

1.1 Cancellation 1.1.1 WHAT WE COVER If, during the period of cover available, your journey is cancelled, disrupted or rescheduled because of circumstances that were not expected or intended by you and outside your control (including if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which reasonably prevents you from travelling), we will reimburse you: Unused travel and accommodation arrangements a) the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover available for your journey, that you have paid in advance of cancellation or disruption and cannot recover in any other way, limited to the maximum total limit specified in the Table of Benefits for Domestic Travel Insurance – 1.1 Cancellation. Travel agent’s fees b) Your travel agent’s cancellation fees and any commission or service fees retained by your travel agent, limited to the amount of commission or service fees that your travel agent would have earned had your journey not been cancelled or the amount specified in the Table of Benefits for Domestic Travel Insurance – 1.1 Cancellation, whichever is the lesser. Frequent flyer, airmiles, loyalty points & vouchers c) For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for or obtained with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we will pay you, which is limited to the maximum total limit specified in Table of Benefits for Domestic Travel Insurance – 1.1 Cancellation, as follows: PART B – The Cover Available 12

• For frequent flyer points, air miles or loyalty card points: – the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking, multiplied by – the total number of points or air miles lost, divided by – the total number of points or air miles used to make the booking. • for vouchers, the face value of the voucher. If there is no face value on the voucher we will pay the market value. Rescheduling your journey d) Your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under sub-sections 1.1.1 a), b) and c) had your journey been cancelled. We will not pay a claim under sub-section 1.1.1 d) in addition to a claim under sub-sections 1.1.1 a), b) and c) for the same services/facilities. Conditions If you want to claim under the cover available, you should do the following as soon as reasonably possible after the happening of the unexpected event causing your claim: • cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover available for your journey that you are now unable to use; and • recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as reasonably possible. For more information see under the headings Claims on page 32 or call the contact number shown on the inside front cover of this Policy Information Booklet. If you unreasonably delay or fail to cancel your pre-arranged travel and accommodation arrangements and we are prejudiced by your delay or failure, we may reduce the amount payable for your claim to the extent we are prejudiced. 13 PART B – The Cover Available

If your claim is related to your fitness to travel, you should take reasonable steps to provide us with written confirmation from a medical adviser. 1.1.2 WHAT WE EXCLUDE To the extent permitted by law we will not pay your claim if: a) you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b) the claim arises from an injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under Domestic Travel Insurance; c) caused by you or your travel companion changing plans; d) caused by financial default or financial collapse of a services provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal; e) caused by an act of terrorism. 2.1 Flight Delay 2.1.1 WHAT WE COVER If during the period of cover available for your journey, the departure of your domestic flight, is delayed for the period specified in Table of Benefits for Domestic Travel Insurance – 2.1 Flight Delay due to circumstances outside your control and no alternative transport is provided by the carrier, we will reimburse the cost of your reasonable additional meal and accommodation expenses, up to the amount specified in Table of Benefits for Domestic Travel Insurance 2.1 Flight Delay. 2.1.2 WHAT WE EXCLUDE We will not pay if a delay to your journey arises from an act of terrorism. PART B – The Cover Available 14

3.1 Additional Expenses 3.1.1 WHAT WE COVER Additional travel & accommodation expenses due to your incapacity a) If you cannot continue your journey because of an injury or sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) which occurs during the period of cover available for your journey and needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses. Emergency travel & accommodation expenses for a necessary companion b) If during the period of cover available for your journey, you are admitted to hospital suffering from a life threatening or other serious condition which occurs during the period of cover available for your journey, we will reimburse the reasonable travel and accommodation expenses for a relative or friend to travel to you, stay near you or escort you. The relative or friend must travel to you, stay near you or escort you on the written advice of your treating medical adviser and with the prior written approval of Allianz Global Assistance, for which approval will not be unreasonably withheld or delayed. Please contact Allianz Global Assistance for approval of these costs. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. Additional travel & accommodation expenses due to your travel companion’s incapacity c) If your travel companion cannot continue their journey because of an injury or sickness (including if your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) which occurs during the period of cover available for your journey and which needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses for you to remain with your travel companion. Please contact Allianz Global Assistance for approval of these costs. No cover is available for a claim arising from any pre- existing medical condition of your travel companion. 15 PART B – The Cover Available

Expenses due to your repatriation or evacuation home d) If during the period of cover available, you shorten your journey and return to your home on the advice of your treating medical adviser and with the approval of Allianz Global Assistance, we will reimburse the reasonable additional cost of your return to your home. We will only pay the cost of the fare class that you had planned to travel at and you must make use of any pre-arranged return travel to your home. Please contact Allianz Global Assistance for approval of these costs. Repatriation of dependants left without supervision e) If your dependants are left without supervision following your hospital admission or evacuation during the period of cover available for your journey, we will pay the reasonable additional travel and accommodation expenses incurred to return them to your home, including the travel and accommodation expenses of an escort if agreed to by Allianz Global Assistance. Please contact Allianz Global Assistance for approval of these costs. Additional travel & accommodation expenses due to specified events f) In addition, if during the period of cover available a disruption to your journey arises from: • your scheduled or connecting transport being cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; • you unknowingly break any quarantine rule (but not a quarantine rule applying to an epidemic or pandemic); • you lose your passport, travel documents or transaction cards or they are stolen; or • your home being rendered uninhabitable by fire, explosion, earthquake or flood, we will reimburse your reasonable additional travel and accommodation expenses. Please contact Allianz Global Assistance for approval of these costs. Whenever claims are made by you under this section and Section 1.1 Cancellation for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. PART B – The Cover Available 16

3.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay your claim: a) if you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before you became eligible for the period of cover available, that may cause your journey to be cancelled, disrupted or delayed; b) if the claim arises from an injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under Domestic Travel Insurance; c) if you can recover your additional travel and accommodation expenses from someone else, for example, an airline or tour provider; d) if caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; e) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; f) if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement. 4.1 Luggage You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). 17 PART B – The Cover Available

This includes forgetting or misplacing any items, leaving them behind or walking away from them. 4.1.1 WHAT WE COVER a) If, during the period of cover available for your journey, the following covered items or valuables: • baggage, clothing or personal valuables; • portable electrical equipment, laptop computers and associated equipment/accessories, binoculars, cameras and associated equipment accessories, are stolen, accidentally damaged or are permanently lost, except when: • left in a vehicle (see sub-section 4.1.1 b) below); or • are valuables left in a vehicle or checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see sub-section 4.1.1 c) below). We will pay the lesser of: • the depreciated value after allowing for age, wear and tear (see ‘Claims’ the Depreciation section in Part C on page 34 for more detail); • the original purchase price; • the replacement cost; or • the repair cost. We will not apply depreciation to any item we pay for where less than 12 consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is up to the item limit specified in the Table of Benefits – Domestic Travel Insurance 4.1 Luggage on page 10. A pair or related set of items, for example (but not limited to): • a camera, lenses (attached or not), tripod and accessories; – a matched or unmatched set of golf clubs, golf bag and buggy; or • a matching pair of earrings, are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. PART B – The Cover Available 18

b) Covered items specified in 4.1.1 a) on page 18 that are left in a vehicle during the period of cover available for your journey are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft, forced entry must have been made. The most we will pay is up to the total amount specified in the Table of Benefits – Domestic Travel Insurance 4.1.1 b) Luggage on page 10 for all covered items stolen from a locked vehicle. c) No cover is available for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip. However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked baggage or overhead cabin locker for the duration of your flight. Conditions If you make a claim, you will need to provide proof of ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is 10% of the per covered item limit shown in the Table of Benefits – Domestic Travel Insurance 4.1 Luggage on page 10. As soon as practical, you should report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you unreasonably delay or fail to make a report and we are prejudiced by your delay or failure, we may reduce the amount payable for your claim to the extent we are prejudiced. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the 19 PART B – The Cover Available

amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. 4.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay a claim in relation to your covered items and valuables if: a) the loss, theft or damage is to, or of, covered items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b) the covered items or valuables were being sent unaccompanied by you or under a freight contract; c) the loss or damage arises from any process of cleaning, repair or alteration; d) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e) the covered item disappears in circumstances that cannot be reasonably explained; f) your claim arises from a government authority confiscating, detaining or destroying anything; g) you do not take reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them; h) the covered item or valuable has an electrical or mechanical breakdown or an inherent defect that is known or could reasonably be known by you; PART B – The Cover Available 20

i) the covered item or valuable is fragile or brittle or is an electrical component and is broken, unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; j) the loss or damage arises from scratches occurring to lenses or screens of covered items or valuables however caused; or k) the covered items were sporting equipment that were damaged during use. 4.2 Luggage Delay 4.2.1 WHAT WE COVER If during the period of cover available for your journey any of your covered items are delayed, misdirected or misplaced by the carrier for more than 12 consecutive hours, we will reimburse you for the reasonable costs you incur for you to purchase essential items of clothing or other personal items, up to the amount specified in Table of Benefits Domestic Travel Insurance 4.2 Luggage Delay. Conditions You will need to make reasonable efforts to obtain confirmation from the carrier who was responsible for your covered items confirming that your items were delayed, misdirected or misplaced as this may be the easiest way to provide evidence of the delay. We will deduct any amount we pay you under this section from any subsequent claim you make for lost covered items payable under Section 4.1 Luggage on page 17. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. 21 PART B – The Cover Available

General Exclusions The general exclusions below set out what is not covered for Domestic Travel Insurance. You should also read each section as they contain specific exclusions that may also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by or arising from:

your loss of enjoyment; loss of revenue, loss of profits or loss of goodwill;
you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
your intentional self harm or your suicide or your attempted suicide;
your claim arises from, or is caused, or is contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions;
you not following an advice or warning that a reasonable person would have been aware of: • by an Australian government (including Commonwealth, State and Territory governments); or • which was published in a reliable mass media source;
flying other than when you are travelling as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon;
your participation in any dangerous activities or your exposure of yourself to danger during your journey unless in an attempt to preserve your life or the life of another person, such as: PART B – The Cover Available 22

• scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; • mountaineering or rock climbing requiring the use of ropes and/or climbing equipment, racing (other than amateur racing on foot), white water rafting, white water boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off- piste snowboarding, snowmobiling or any other similar activity; • quad-bike or motorcycle riding during your journey unless it involves you only driving a motorcycle, with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence; • any other similar activity that a reasonable person would consider dangerous; 8. any kind of training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000; 9. your claim arises from, or is caused, or is contributed to by an illegal or criminal act by you, your spouse, your dependants or any other person acting with your consent or under your direction; 10. your participation as a crew member or pilot of any transportation; 11. the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under Domestic Travel Insurance; 12. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 13. your failure to take reasonable care such as failure to wear appropriate safety equipment; 23 PART B – The Cover Available

any epidemic or pandemic, or in any way related to any epidemic or pandemic, unless your claim relates to you or your travel companion being positively diagnosed with a sickness recognised as an epidemic or pandemic and cover is expressly included in the following sections: • 1.1 Cancellation • 3.1 Additional Expenses
any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
a nuclear reaction or contamination from nuclear weapons or radioactivity;
biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/ or create public fear;
providing any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This applies where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction. PART B – The Cover Available 24

Rental Vehicle Excess Insurance in Australia Eligibility WHO IS ELIGIBLE? Level 1 Card and Level 2 Card Cardholders are eligible when the entire payment for the vehicle rental was charged to the accountholder’s card account and your eligible card must remain current and valid for the duration of the rental agreement. Period of Cover The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or at the expiry of the rental vehicle agreement, whichever occurs earlier. Table of Benefits The table sets out the maximum limits of what we will pay under Rental Vehicle Excess Insurance in Australia. All limits and sub-limits in the table below are shown in Australian dollars. The cover available is outlined in the Cover Available and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. Card Limit Level 1 Cards & Level 2 Cards The amount specified in your rental vehicle agreement up to the maximum total limit of $5,500 for all claims combined during the rental period. 25 PART B – The Cover Available

Excesses You must pay the following excess amount for each claim made under this Rental Vehicle Excess Insurance in Australia, even if a number of claims are submitted on the one claim form. However, if you make more than one claim as the result of a single event, the highest excess will apply, but will only apply once. An excess of $300 applies to each claim payable under Rental Vehicle Excess Insurance in Australia. The Cover Available In order to be sure that you are covered under this Rental Vehicle Excess Insurance in Australia, where reasonable, you should always call us for approval before you incur certain expenses. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. Cover is only available if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This cover will not provide cover for items, such as but not limited to, tyres, rims, windscreens, glass, roof and/or underbody if damage to these items is in addition to the specific amount shown in your rental vehicle agreement that you are responsible to pay for damage or theft. WHAT WE COVER If, during the period of cover available, a rental vehicle you have rented from a rental company or agency in Australia is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody, then we will pay you the lesser of: • the cost of property damage for which you are liable; • the amount specified that you must pay under your rental vehicle agreement; or • the limit shown in Table of Benefits on page 25. PART B – The Cover Available 26

Conditions To support your claim, you must take reasonable steps to provide: • your rental vehicle agreement; • the incident report that was completed; and • written confirmation from the rental company or agency of the amount for which you are liable. You may also need to provide: • the repair account and invoice from the motor vehicle repairer (if available to you); and • an itemised list of the value of the damage. Exclusions The exclusions below set out what is not covered under this Rental Vehicle Excess Insurance in Australia. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by or arising from:

your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
your intentional self harm or your suicide or attempted suicide;
a claim arising from, or is caused, or is contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions;
you using the rental vehicle in breach of the rental agreement;
you using the rental vehicle without a licence for the purpose that you were using it; (such as but not limited to the carrying of fare paying passengers or the carrying of freight);
administrative charges or fees of the rental company that are not a component of the amount that is specified in your rental vehicle agreement; 27 PART B – The Cover Available
any act of terrorism; 8 . any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
a nuclear reaction or contamination from nuclear weapons or radioactivity;
biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/ or create public fear;
providing any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This applies where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction;
your failure to take reasonable care such as failure to wear appropriate safety equipment. PART B – The Cover Available 28

PART C Important things you need to know 29

Limitation of cover Regardless of anything contained in this Policy Information Booklet to the contrary, we shall not be liable to provide any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This applies where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction. Jurisdiction and choice of law The Group Policy is governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this Jurisdiction and Choice of Law clause applies. Allianz Global Assistance Privacy Notice To offer or provide you with our insurance services, we, namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as ‘Allianz Global Assistance’ and as agent for the insurer Allianz, collects, stores, uses, and discloses your personal information including sensitive information. The insurance cover arises from a Group Policy taken out between your bank and Allianz and under which you are entitled to cover as a beneficiary when you meet the eligibility criteria set out in the Group Policy wording. We usually collect your personal information directly from you, but sometimes from others depending upon the circumstances. For example, when you make a claim for cover, we may collect your personal information from you, the Group Policy holder (to check you have met eligibility requirements), your family members and travel companions, as well as from third parties that provide services including doctors, hospitals, airlines, travel PART C – Important things you need to know 30

and accommodation providers, your agents and representatives, our agents, and other service providers. We are responsible for ensuring your personal information is used and protected in accordance with applicable laws and regulations, including the Privacy Act 1988. We collect your personal information to enable us to properly assess and manage your insurance claim, and to provide the services we have agreed to provide under the Group Policy. For example, we collect your name, address, date of birth, email address, and sometimes your medical information, bank account details, as well as other information we collect through devices like ‘cookies’ when you visit our website such as your IP address and online preferences. We use your personal information to offer and provide our services and to manage your and our rights and obligations in connection with your claim. For instance, we use it to check, process, and finalise your insurance claim. We may also use it for product development, customer data analytics, research, IT systems maintenance and development, recovery against third parties, for the detection and investigation of fraud, and for other purposes with your consent or where permitted by law. We do not use your personal or sensitive information for marketing purposes or provide that information to any third parties for marketing. Your personal information may be disclosed to third parties (some of whom are data processors) who assist us to carry out the above activities both inside and outside of Australia, such as claims management providers, travel agents and intermediaries, insurers, investigators, cost containment providers, medical and health service providers, overseas data storage (including ‘cloud’ storage) and data handling providers, legal and other professional advisers, your agents, your travel group leader if you travel in a group, the Bank if you are the beneficiary of the Bank’s card insurances, insurance reference bureaux, and our related and group companies including Allianz. Some of these third parties may be located in other countries including in Europe, Asia, Canada, or the USA. When you provide personal information to us about other individuals, we rely on you to have first obtained 31 PART C – Important things you need to know

the individual’s consent, and to have made them aware of the matters set out in this Privacy Notice. You may also seek access to your personal data and ask us to correct and update it. We will delete your personal data when we no longer need it for a legitimate purpose. You may not access or correct personal information of others unless you have been authorised by their express consent, or unless they are your dependants under 16 years of age. If you have a request or complaint concerning your personal information or about data privacy, please contact: The Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@allianz-assistance.com.au. You can also contact the Privacy Commissioner at the Office of The Australian Information Commissioner, if you have a complaint. For more information about our corporate privacy policy and handling of personal information, including further details about access, correction and complaints, please visit our website at www.allianz-assistance.com.au and click on the ‘Privacy & Security’ link in the footer. If you do not agree with the matters set out in our privacy policy or will not provide us with the personal information we request, we may not be able to provide you with our services including the assessment and payment of any claims. In cases where we cannot comply with your request concerning your personal information, we will give you reasons why. Claims HOW TO MAKE A CLAIM Please do not contact the Bank in the event of a claim. First check that you are entitled to claim by reading the appropriate section in this booklet, to see exactly what is, and is not covered, noting any applicable terms, conditions, exclusions, limits and sub-limits. Allianz Global Assistance administers the benefits available under the Group Policy. You should give Allianz Global Assistance notice of your claim as soon as reasonably possible. PART C – Important things you need to know 32

Please submit full details of your claim as soon as reasonably possible by emailing or posting a completed claim form to Allianz Global Assistance. In order to be sure that any expenses you claim are covered by the Group Policy you should always, when reasonably practicable, contact Allianz Global Assistance for approval before you incur expenses you wish to claim. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. You are not covered for any claim made after termination of, or the expiry of, the period of insurance specified in the Group Policy. The Bank will provide you with details of any replacement cover. WHERE TO MAKE A CLAIM You can obtain claim forms and instructions on how to make a claim by: • visiting travel.agaassistance.com.au/westpac/ make-a-claim, or • emailing Allianz Global Assistance at cardclaims@allianz-assistance.com.au, • calling the contact number on the inside front cover of this Policy Information Booklet. Allianz Global Assistance will consider your claim within 10 business days of receiving a completed claim form and all reasonably requested documentation. If we need additional information, a written notification will be sent to you within 10 business days. If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we may reduce the amount payable for your claim to the extent we are prejudiced. You should take all reasonable steps to give any information Allianz Global Assistance reasonably asks for to support your claim at your expense. Examples of information to support your claim includes police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required Allianz Global Assistance may reasonably ask you to provide them with translations into English of any such documents to enable their consideration of your claim. 33 PART C – Important things you need to know

You should take all reasonable steps to co-operate in relation to providing supporting evidence and such other information that may reasonably be required. In particular: • If you think that you may have to cancel or shorten your journey you should tell us as soon as reasonably possible. Contact Allianz Global Assistance using the contact number shown on the inside front cover of this Policy Information Booklet; • For loss or theft of your covered items or valuables, you should as soon as reasonably practicable report it to the police and obtain confirmation of your report. If you unreasonably delay or fail to make a report, we may reduce or refuse your claim to the extent we are prejudiced; • For damage or misplacement of your covered items or valuables, caused by the airline or any other operator or accommodation provider, report the damage or misplacement as soon as reasonably possible to an appropriate official and make reasonable efforts to obtain a written report, including any offer of settlement that they may make. DEPRECIATION When taking into consideration the age of a covered item we will deduct the following amounts from our settlement for each item you have claimed: • For toiletries and medication (including skin care, make-up, perfume, deodorant and aftershave) we will deduct 50% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For mobile phones, smart phones, electrical devices, communication devices, all computers (including laptops and tablets), photographic equipment and electronics equipment we will deduct 20% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For clothing, footwear, luggage and books we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; PART C – Important things you need to know 34

• For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 10% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For jewellery we will not make any deduction; • For all other items we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%. For example: You have a $500 digital camera that was purchased 2 years before the date it was lost. The rate of depreciation would be 20% per year. In settlement of your claim we would pay you $300 (i.e. we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows: Year 1 - Purchase price of $500 less 20% ($100) = $400 Year 2 - Depreciated value of $400 less 20% of the purchase price ($100) = $300 Claims are payable in Australian dollars to you We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Payment will be made by direct credit to a bank account nominated by you. How GST may affect your claim If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. You should not admit fault or liability before consulting us You should not admit that you are at fault for any accident, incident or event causing a claim under this Group Policy, and you must not offer or promise to pay any money, or take any steps in relation to any legal action, without the approval of Allianz Global Assistance. Such approval will not be unreasonably withheld or delayed. If you do, we may reduce or refuse your claim to the extent we are prejudiced. 35 PART C – Important things you need to know

Fraud When making a claim you have a responsibility to assist us and to act in an honest and truthful manner. If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in this Policy Information Booklet, then no payment will be made in regard to the claim. Also, the Bank will be informed of the situation and you may no longer be eligible for the cover described in this Policy Information Booklet. You can help by reporting insurance fraud by calling Allianz Global Assistance on 1800 453 937. All information will be treated as confidential and protected to the full extent under law. Recovery If we or you have a claim against someone in relation to the money we have to pay or we have paid under your policy, you must take reasonable steps to help us recover that potential or actual outlay in legal proceedings. If you are aware of any third party that you or we may recover money from, you must take reasonable steps to inform us of such third party. When making a claim you should tell us about any other insurance under which you are or might be able to claim. We may, at our discretion, undertake in your name and on your behalf, control and settle proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this Policy Information Booklet. We will act reasonably having regard to your interests, and will keep you informed if you ask us to. You are to assist and permit to be done, everything reasonably required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this Policy Information Booklet regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this Policy Information Booklet. PART C – Important things you need to know 36

We will apply any money we recover from someone else under a right of subrogation in the following order:

to us, our costs (administration and legal) arising from the recovery.
to us, an amount equal to the amount that we paid to you under the Group Policy.
to you, your uninsured loss.
to you, your excess. Once we pay your total loss, we will pay you the balance of any money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you. Complaints and disputes If you are dissatisfied with our service in any way, please contact us using the details on the inside front cover of this booklet and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. If we do not make a decision within the period that we tell you we will respond, we will tell you about your right to lodge a complaint with an external dispute resolution scheme. If you are not happy with our response you can refer your complaint to AFCA subject to its terms of reference. AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. AFCA’s contact details are: The Australian Financial Complaints Authority Online: www.afca.org.au Phone: 1800 931 678 Email: info@afca.org.au Mail: GPO Box 3, Melbourne VIC 3001 37 PART C – Important things you need to know

All complaints and disputes are handled and dealt with by Allianz Global Assistance on behalf of Allianz. For more information on how we handle complaints you can request a copy of our procedures, using our contact details on the inside front cover. General Insurance Code of Practice Allianz and Allianz Global Assistance proudly support the General Insurance Code of Practice. The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code. You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this booklet. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au. Definitions When the following words and phrases appear in this Policy Information Booklet they have the meanings given below. The use of the singular shall also include the use of the plural and vice versa. Accident, accidental, accidentally means any sudden and unexpected physical event not intended by you. Accompanying means travelling with the insured person for the journey. Accountholder means a customer of the Bank, being an individual, business entity or company, who has entered into a card account with the Bank and in whose name the card account was opened. The accountholder is the individual, business entity or company that has contractual obligations with the Bank under the card account. Allianz means Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708. Allianz Global Assistance means AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631. PART C – Important things you need to know 38

Bank means Westpac Banking Corporation ABN 33 007 457 141, AFSL and Australian credit licence 233714. Card means a current and valid Level 1 Card or Level 2 Card issued by the Bank. An eligible card that is cancelled or suspended is not current and valid. Card account means: • a current and valid card facility provided by the Bank to which purchases made by cardholders on a card are charged; or • the primary account linked to a card issued by the Bank to which a transaction is routed by any electronic funds transfer facility. Cardholder means a person who resides in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency) to whom the Bank has issued a card (this includes primary and additional cardholders). Carrier means an aircraft, train, tram, vessel or other scheduled transport operated under a licence for the purpose of transporting passengers. However, it does not mean a taxi, limousine or similar service. Chronic means a persistent and lasting condition. It may have a pattern of relapse and remission. Concealed storage compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a motor vehicle. Covered item means an item acquired for personal, domestic or household use but excludes: • items acquired for the purpose of sale or trade; • animals or plant life; • boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories; • computer software and other non-tangible items; cash, bullion, negotiable instruments, vouchers, gift cards, securities, trading cards, tickets of any description, travellers cheques or collections such as stamps, coins and cards; 39 PART C – Important things you need to know

• consumable or perishable items (including but not limited to food, drink, drugs, cosmetics, fuel or oil); • manuscripts and books of account; • second-hand items including works of art and antiques; • items of contraband; • real estate and movable fixtures or fittings (including but not limited to dishwashers, stoves, ovens and fixed air conditioners) which are or are intended to form part of any residence or real estate. Dependant means your child or grandchild (including step-child, adopted child, foster child and child you care for under a legal guardian arrangement), and who are: • not in full-time employment; • accompanying you on the journey; and • aged under 25 years at the time eligibility for cover is met. Dependant does not include any other person. Depreciation means the deduction from the original purchase price of an amount calculated to be the reduction in value because of wear and tear and/or the passing of time. Epidemic means an infectious disease that rapidly spreads to a large number of people in a community, population, or region. Excess means the deduction we will make from the amount otherwise payable for each claimable incident or event. Financial default means insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers, or any other form of insolvency administration or the happening of anything of a similar nature under the laws of any jurisdiction. Group Policy means an insurance policy on the terms and conditions set out in this booklet, issued by Allianz Global Assistance on behalf of the Insurer Allianz, under which the Insurer does, by operation of section 48 of the Insurance Contracts Act, provide insurance cover benefits for cardholders (including spouses and/or dependants/s) as third party beneficiaries (as that term is defined in the Insurance Contracts Act). PART C – Important things you need to know 40

Home means the place where you normally live in Australia. Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a residential care facility, a health retreat, or a rehabilitation or external care facility for the treatment of alcoholism, drug addiction or substance addiction. Injure, injured or injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during the period of cover available and does not result from any illness, sickness or disease. Jewellery means a form of personal adornment, such as brooches, rings, necklaces, earrings, and bracelets. It does not include watches or items of clothing. Journey means from the time you leave your home or your place of employment or business to commence your travel and ends when you: • return to your home; or • arrive at a hospital or residential care facility in Australia (if you are evacuated or repatriated for medical reasons), whichever happens first. Legal costs means fees, costs and expenses (including any applicable taxes and charges) in connection with a legal action. It also means any costs which you are ordered to pay by a court or arbitrator (other than any fine or penalty, or aggravated, punitive, exemplary or liquidated damages) or any other costs we agree to pay. Level 1 Cards means the following current and valid Westpac issued credit cards: • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black Mastercard • Low Fee Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid card. 41 PART C – Important things you need to know

Level 2 Cards means the following current and valid Westpac issued credit cards: • Altitude Platinum Mastercard • Altitude Qantas Platinum Mastercard • Altitude Velocity Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid card. Medical adviser means a doctor (including a clinical psychologist) or dentist qualified to diagnose the condition or disorder, holding the necessary current certification in the country in which they are currently practising, and who is not you or your travel companion, or a relative or employee of you or your travel companion. Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses. Consult your medical advisor for more information). Natural disaster means any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption, but not epidemics or pandemics. Pandemic means an epidemic that spreads to multiple countries, continents, or worldwide. Pre-existing medical condition means a condition of which a reasonable person in the circumstances, should have been aware at the time of eligibility, including: • any dental condition; or • any physical condition; or • pregnancy; or • any lifelong illness; or • any chronic illness; or • any mental illness; or • any current or previously treated cancer, or any condition which, in the last two (2) years: PART C – Important things you need to know 42

• was treated by surgery (including day surgery); or • required regular medication; or • required on-going treatment; or • was referred to a specialist medical adviser; or • had regular reviews or check-ups; or • caused admission to hospital; or • was treated at a hospital emergency department or out-patient clinic. Proof of your ownership, proof of purchase or value means receipts, invoices, valuations, and other documents directly showing ownership and value. Where direct proof of ownership or valuation is not reasonably available to the insured, and depending upon the value and nature of the claim, it can include statutory declarations or other information which show the insured is most likely the owner. Quad bike means a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control. Reasonable or reasonably means: • for covered booking and travel related expenses, a level comparable to those you have booked for the rest of your journey; if no similar booked travel arrangements or for covered expenses of relatives, a level that is appropriate and moderate in the circumstances; not extravagant; • for situations where we ask you to do something such as to assist us or to or provide documents or information or to take reasonable care or to make reasonable efforts - to the extent that is practically achievable by you and within your control or ability using ordinary efforts; • for reasonable medical advice, advice provided by a doctor or other medically qualified practitioner experienced in the medical issue in question and engaged either on your behalf or on behalf of Allianz Global Assistance to provide medical advice; • reasonable legal costs or expenses: means the usual or normal legal costs and expenses incurred in defending or settling a claim, including engaging a mid-tier firm of lawyers, their reasonable disbursements, etc; not extravagant; 43 PART C – Important things you need to know

• for conduct, acts or knowledge of ‘a reasonable person’, what would be expected of an average person in the circumstances, and achievable by the insured through normal endeavours; • for any other circumstances, including conduct or acts of a reasonable person - what is reasonable in the circumstances, having regard to common community standards, and fairness. Relative means only a grandparent, parent, parent-in- law, step parent, step parent-in-law, sister, step sister, sister-in-law, brother, step brother, brother-in-law, spouse, partner, fiancé(e), son, son-in-law, daughter, daughter-in- law, step child, foster child, grandchild, ward or guardian. Rental vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/ people mover, rented from a licensed rental company or agency. Rental vehicle does not include any other vehicle irrespective of use or weight. Sick or sickness means a medical condition (including a mental illness), not being an injury, the symptoms of which first occur or manifest during the period of cover available. Return domestic flight ticket means a flight ticket to and from a destination in Australia and its territories on a scheduled commercial passenger airline. Snow sport equipment means skis, poles, boots, bindings or snowboards. Snow sport equipment does not include any equipment other than the equipment listed. Sporting equipment means equipment needed and used to participate in a particular sport and which can be carried about with you. Spouse means the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey starts. Transaction card means a debit card, credit card or travel money card. PART C – Important things you need to know 44

Travel companion means a person with whom you made arrangements before the journey began, to travel with you for at least 50% of the period of cover available for your journey. Travel companion does not include any other person. Valuables means jewellery, antiques, curios or works of art, watches, semi-precious/ precious metals or semi-precious stones/precious stones and items made of or containing semi-precious/ precious metals or semi-precious stones/precious stones, furs, binoculars, telescopes, any kind of photographic, audio, video, computer (including monitors), fax or phone equipment (including mobile phones), tablets, MP3/4 players and PDAs. Vehicle means any car, van or bus (including but not limited to a coupe, hatchback, station wagon, SUV/4WD or campervan), motorcycle, moped or scooter. We, our, us means Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708. You, your, yourself and insured person means each person eligible for the cover available under the group policy. Westpac means Westpac Banking Corporation, ABN 33 007 457 141, AFSL and Australian credit licence 233714. 45 PART C – Important things you need to know

PART C – Important things you need to know 46

47 PART C – Important things you need to know

xxx IMP3746 We’re here to help For claims and enquiries, contact t Allianz Global Assistance on 1800 091 710 , Monday to Friday: 8am to 8pm AEST Saturday: 8am to 5pm AEST For Card related queries, contact Westpac on 132 032 , 8.00am to 8.00pm EST, Mon-Fri, excl. public holidays westpac.com.au Ask at any branch

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf

Westpac Credit Card International Travel Insurance Effective: 1 October 2026 Product Disclosure Statements

Contact Allianz Global Assistance Sales and general enquiries 1800 091 710 Monday to Friday 8am to 8pm AEST Saturday 8am to 5pm AEST 24 hour Emergency Assistance +61 7 3305 7468 (overseas) 1800 227 773 (within Australia) Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. This document includes the following insurances under the following product disclosure statements: Complimentary International Medical Travel Insurance via the Group Policy; and Comprehensive International Travel Insurance These insurances are issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000 These insurances are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Registered Office Level 16, 10 Carrington Street Sydney NSW 2000

Contents PART A Summary of cover available 2 Eligible cards 5 How to activate and upgrade 6 Who is the Insurer? 8 Who is Allianz Global Assistance? 8 PART B Complimentary International 9 Medical Travel Insurance Group Policy 10 The Bank is not the issuer or insurer of the covers 11 Termination or Variation of cover 11 Other Insurances 12 The Cover 13 Table of benefits 16 General Exclusions 33 PART C Comprehensive International Travel Insurance 40 About this Product Disclosure Statement 41 Understanding this product and its important 42 terms and conditions Updating the PDS 43 Your duty to take reasonable care not to 43 make a misrepresentation Other Insurances 44 Purchasing this Product 45 Applying for cover 46 Your insurance premium 47 Cooling Off Period 48 Period of Cover 50 Table of Benefits 53 Excesses 58 Policy Benefits 68 Snow Pack 103 General Exclusions to Part C 113 PART D Important things you need to know in both PDSs 121 Limitation of cover 122 Jurisdiction and choice of law 122 General Insurance Code of Practice 122 Financial Claims Scheme 123 Privacy Notice 123 Claims 126 Our Definitions 135

PART A Summary of cover available 2

Subject to activation and meeting eligibility criteria, as a cardholder you have access to both complimentary benefits and access to purchase upgrades. Depending on your card type, and subject to meeting eligibility criteria, you can access certain insurance benefits under your Bank’s Group Policy set out in the PDS for the Complimentary International Medical Travel Insurance, providing benefits included with your card at no added cost to you. You also have the option to purchase further cover set out in the PDS for the Comprehensive International Travel Insurance that are not included with your card. You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure Statements. All benefits listed below in this Part A are a summary only. Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the relevant parts for more information. Summaries of the Complimentary International Medical Travel Insurance and the Comprehensive International Travel Insurance You must Activate your Complimentary International Medical Travel Insurance and meet all of the eligibility criteria in order to access any of the benefits available to you. For more information, see the ‘How to activate your Complimentary International Medical Travel Insurance and upgrade your cover’ section on page 6. PART A – SUMMARY 3

Benefits Complimentary International Medical Travel Insurance Comprehensive International Travel Insurance Activation required Premium payable Overseas Emergency Assistance (including Medical Evacuation and Repatriation) Included Overseas Medical & Hospital Expenses (including Dental) Included Funeral Expenses Included Personal Liability Included Accidental Death Permanent Disability Hospital Cash Allowance Cancellation Additional Expenses Travel Delay Expenses Alternative Transport Expenses Luggage, Personal Effects & Valuables Luggage & Personal Effects Delay Expenses Travel Documents, Transaction Cards & Travellers Cheques Theft of Cash Rental Vehicle Excess 4 PART A – SUMMARY

Optional Covers: The below Optional Covers are available upon purchase of an upgrade to Comprehensive International Travel Insurance. An additional premium may be payable for Optional Covers. Optional Covers Complimentary International Medical Travel Insurance Comprehensive International Travel Insurance

Pre-Existing Medical Conditions cover
Cruise Pack
Snow Pack
Adventure Pack
Increased Item Limits Cover
Extension of trip duration
Cover for persons aged 81 years or over Eligible cards LEVEL 1 CARDS • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black Mastercard • Low Fee Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid Level 1 Card. LEVEL 2 CARDS • Altitude Platinum Mastercard • Altitude Qantas Platinum Mastercard • Altitude Velocity Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid Level 2 Card. PART A – SUMMARY 5

How to activate Complimentary International Medical Travel Insurance and upgrade your cover STEP 1 Activate your Complimentary International Medical Travel Insurance Check you meet eligibility criteria on page 13 including spending at least $500 on your prepaid travel costs on your eligible card before leaving Australia or upgrade your cover by purchasing Comprehensive International Travel Insurance. Activate your cover by logging in to your Westpac App or Westpac Online Banking or call Allianz Global Assistance You will be asked to enter your trip details. You can activate cover up to 12 months in advance of your departure date. You will need to consider if the Complimentary International Medical Travel Insurance cover meets your needs. Additional cover can be obtained through purchasing Comprehensive International Travel Insurance (see Step 2). Taking your spouse and/or dependants? Your spouse and up to 10 dependants are also eligible where they meet the eligibility criteria on page 13 including spending at least $500 on prepaid travel costs on the accountholders card account before leaving Australia or purchasing Comprehensive International Travel Insurance and travelling with you at least 50% of your journey. Refer to Our Definitions for the definition of spouse and dependant on pages 144 and 137. 6 PART A – SUMMARY

STEP 2 Consider upgrading your cover by purchasing Comprehensive International Travel Insurance Consider if you need additional cover for your trip, for example, cover for trip cancellation, travel delay or luggage by referring to Part C - Comprehensive International Travel Insurance Benefits summary on page 4 and Table of Benefits for Comprehensive International Travel Insurance on page 53. Additional cover is available by purchasing Comprehensive International Travel Insurance. STEP 3 Purchase Optional Covers if required Once you purchase Comprehensive International Travel Insurance, you will also have access to purchase Optional Covers including cover for pre-existing medical conditions and activities such as cruising and snow sports. PART A – SUMMARY 7

Who is the Insurer? The insurance cover described in the Policy Information Booklet are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz), telephone 132 664. Who is Allianz Global Assistance? Allianz Global Assistance is a trading name of AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone (07) 3305 7000. Allianz Global Assistance is authorised by Allianz to issue and manage the insurances, (including the Comprehensive International Travel Insurance and the Complimentary International Medical Travel Insurance, under the Group Policy entered into with the Bank on behalf of Allianz). Allianz Global Assistance is also authorised to deal with and settle any claims under them, as the agent of Allianz, not as your agent. Allianz Global Assistance acts under a binder which means that it can do these things as if it were the insurer. It administers all the benefits of these insurances. For all assistance services, you may contact Allianz Global Assistance 24 hours a day, 7 days a week. 8 PART A – SUMMARY

PART B Complimentary International Medical Travel Insurance PDS 9

Group Policy This Complimentary International Medical Travel Insurance is made available pursuant to the Group Policy issued to the Bank. Activation of the cover under this section does not establish an insurance contract or create a retail insurance relationship between you and the Bank, Allianz Global Assistance or Allianz. Any references in this Part B – Complimentary International Medical Travel Insurance to the cover provided in Part C – Comprehensive International Travel Insurance do not form part of the wording of this Part B and are included for information purposes only. Part B – Complimentary International Medical Travel Insurance is a PDS which describes the complimentary insurance benefits provided by Allianz which are available to cardholders and other eligible beneficiaries. This Complimentary International Medical Travel Insurance applies to cover that is activated on or after 1 October 2026. For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz. The cover described in this Part B – Complimentary International Medical Travel Insurance is available for your benefit subject to activation and eligibility criteria being met, under a Group Policy entered into between Allianz Global Assistance on behalf of Allianz and the Bank. The Bank is the Group Policy owner. When eligible and once activated, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions, limits, applicable sub-limits and claims procedures contained in the complimentary cover in Part B. Please read the PDS for the Complimentary International Medical Travel Insurance carefully and keep it in a safe place. Also please keep detailed particulars and proof of any loss. Examples may include sales receipts and card account statements showing any purchases. 10 PART B – COMPLIMENTARY

The Bank is not the issuer or insurer of the covers The Bank is not the issuer or insurer of the Group Policy or the Product Disclosure Statements and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under the covers available. These benefits are available to the beneficiaries upon meeting the eligibility under these covers. Neither the Bank nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or their related companies and the Bank does not receive any commission or remuneration in relation to the covers set out in the Complimentary International Medical Travel Insurance. Termination or variation of cover The Bank or Allianz may terminate or agree to vary the terms, conditions and cover available to cardholders under the Group Policy as set out in this Part B. If this occurs, the Bank will give the accountholder at least 30 days’ written notice before the termination or change takes effect. The Bank may give less notice, or publish the notice on the Bank’s website if: • there is a minor change with no effect to the cardholders’ cover or eligibility criteria (e.g. change of contact details); • the variation is favourable to the cardholder (in which case the Bank will take reasonable steps to provide written notice as soon as reasonably possible); or • the Bank and Allianz are reasonably required to act quickly to change the terms of the Group Policy to manage a material and immediate risk arising from: a) a potential or actual breach of any law; or b) a proposed change in, or interpretation of, a law or any decision, recommendation, regulatory guidance or standard of any court, tribunal, ombudsman service, regulatory or other similar body. A risk will be considered material and immediate if to protect the Bank’s and/or Allianz’s legitimate business interests, the Bank and/or Allianz are required to act quickly to change the terms, conditions and/or cover, or terminate the cover, as set out in this Part B. PART B – COMPLIMENTARY 11

Where there is a termination or change to the terms, conditions and/or cover as set out in Part B - Complimentary International Medical Travel Insurance, the existing terms, conditions and/or cover will only apply to cover that is activated before the date of the change or termination. Where the Group Policy is terminated, no cover is available for activation after the date of termination. The Bank will provide accountholders with details of any replacement cover and its relevant effective date. If you have activated your cover, you will be covered under the benefits of the PDS in Part B - Complimentary International Medical Travel Insurance, and, if purchased, the PDS in Part C - Comprehensive International Travel Insurance, for the dates listed on your Letter of Eligibility or Certificate of Insurance regardless of whether the Group Policy has been terminated or varied. Other Insurances If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a travel insurance policy you purchased separately for your overseas journey), in respect of the same loss as your claim under this Group Policy, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), Allianz is not liable to provide indemnity under this Group Policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover made available under this Group Policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy. If you make a claim under another insurance policy and you are not paid the full amount of the claim, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), the cover made available to you under the Group Policy will make up the difference, to the extent of cover that applies, in accordance with the terms and conditions contained in this Part B. Should we make payment to you for the full amount of the claim, we may seek contribution from your other insurer. In such circumstances, you must give us any information that we reasonably require to help us make a contribution claim from the other insurer. The above clause does not apply to the purchase of an upgrade to Comprehensive International Travel Insurance) under Part C of this document and will only apply to separately purchased policies. 12 PART B – COMPLIMENTARY

The Cover Complimentary International Medical Travel Insurance You must meet all of the eligibility criteria below, including activation of the Complimentary International Medical Travel Insurance for access to cover - see page 6 for how to activate. You can activate cover up to 12 months in advance of your journey. Eligibility As a Level 1 Card or Level 2 Card cardholder you are eligible for cover under Complimentary International Medical Travel Insurance when you meet all of the following eligibility criteria:

you activate cover for your journey before leaving Australia via Westpac App or Online Banking, or call Allianz Global Assistance; and
before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International Travel Insurance. Prepaid travel costs include your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour; and
you have a permanent home in Australia and you: • are a permanent resident of Australia; or • hold a current Australian visa - but not a tourist or working holiday visa- that will remain valid after your journey ends and allows you unrestricted right of entry into Australia; or • hold a valid Australian Medicare card; and PART B – COMPLIMENTARY 13
you have a return overseas travel ticket before leaving Australia. Important: Complimentary International Medical Travel Insurance is only available to eligible cardholders and spouses under the age of 81 years . Cardholders and spouses aged 81 years or over can consider purchasing a Comprehensive International Travel Insurance. In order to be eligible to claim under Complimentary International Medical Travel Insurance your eligible card must remain current and valid for the entire duration of your journey. WHO ELSE IS ELIGIBLE? If the cardholder is eligible for the cover under this Complimentary International Medical Travel Insurance, the cardholder’s spouse and up to 10 dependants also become eligible, when each of them individually meets all of the following eligibility criteria:
you activate cover for your spouse and/or dependant(s) journey before leaving Australia via Westpac App or Online Banking, or call Allianz Global Assistance; and
before leaving Australia at least $500 of each of the spouse and/or dependant/s prepaid travel costs are charged to the accountholder’s card account or they upgrade their cover by purchasing Comprehensive International Travel Insurance. Prepaid travel costs include your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour; and
the spouse and/or dependant(s) have a permanent home in Australia and: • are a permanent resident of Australia; or • hold a current Australian visa - but not a tourist or working holiday visa- that will remain valid after your journey ends and allows you unrestricted right of entry into Australia ; or • hold a valid Australian Medicare card; and 14 PART B – COMPLIMENTARY
any dependants are aged under 25 years old at the time the cardholder activates this cover; and
each spouse and/or dependant has a return overseas travel ticket before leaving Australia; and
each spouse and/or dependent is travelling with the cardholder for at least 50% of the period of cover made available to the cardholder for the cardholder’s journey. Important: Complimentary International Medical Travel Insurance is only available to eligible cardholders and spouses under the age of 81 years . Cardholders and spouses aged 81 years or over can consider purchasing a Comprehensive International Travel Insurance. Period of Cover If you have met all of the eligibility criteria listed under the Eligibility section including activating your cover before leaving Australia, the following maximum period of cover is available for your journey. Card Period of Cover Level 1 Cards Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for your journey cannot be extended by you unless you purchase a Comprehensive International Travel Insurance. Provided you meet the eligibility criteria listed under Eligibility, the period of cover available commences when you leave your home or your place of employment or business to start your journey, or on the departure date shown on your Letter of Eligibility, whichever occurs later. PART B – COMPLIMENTARY 15

WHEN DOES MY COVER END? Cover ends when the first of the following occurs: • when you return to your home; or • when you arrive at a hospital or nursing home in Australia (if you are evacuated or repatriated); or • three (3) consecutive months for Level 1 Card cardholders, spouses and/or dependant(s) or one (1) month for Level 2 Card cardholders, spouses and/or dependant(s) after the date of departure shown on your return overseas travel ticket. If, during your period of cover, your return to Australia is delayed due to an event that is covered under this Complimentary International Medical Travel Insurance, or because your scheduled means of transport is delayed for reasons beyond your control: • the period of cover available will automatically be extended by us for up to four (4) consecutive weeks; or • if you are under the care of a medical adviser overseas, who certifies in writing that you are incapable of travel at the end of the additional four (4) consecutive weeks, cover will continue for expenses and evacuation for up to twelve (12) consecutive months from the date of your departure from Australia; or • until you are medically fit to return to Australia. The cover will end on the date that Allianz Global Assistance would have been able to reasonably facilitate your return to Australia, provided this falls within 12 consecutive months from the date of your departure from Australia. Table of Benefits The table below sets out the benefits that apply to the Complimentary International Medical Travel Insurance. This table is a summary only. Please carefully read the PDS for the Complimentary International Medical Travel Insurance in full to ensure you understand the extent of cover provided and limitations (including any sub-limits) that apply. 16 PART B – COMPLIMENTARY

All limits and sub-limits in the table are shown in Australian dollars. All costs and expenses claimed must be necessary and reasonable. Limits are either for a Cardholder travelling alone or with dependants or for a Cardholder & Spouse travelling together including any dependants. Dependants are included in the limits available. For clarity, a cardholder can only claim under one set of benefit limits per journey, not both. Complimentary International Medical Travel Insurance Level 1 & Level 2 Cards Benefit Excess Cardholder Limit Cardholder & Spouse Limit Dependants are included in the limits available 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) ^ No $20 million $40 million 1.2 Overseas Medical & Hospital Expenses (including Dental) ^ Yes $20 million $40 million 1.3 Funeral Expenses ^ No $60,000 $120,000 6.1 Personal Liability # Yes $5 million $5 million ^ you do not have cover under this benefit while travelling in Australia.

you will not have cover under Benefit 6.1 Personal Liability for any claims arising

from your participation in any activity not listed under Activities included in this product on pages 21 to 23. There is no cover under benefit 6.1 Personal Liability for your participation in snow sports activities. If you purchase Comprehensive International Travel Insurance and the Adventure Pack or Snow Pack, there is no cover for Benefit 6.1 Personal Liability for participation in any of the activities listed under the Adventure Pack or snow sport activities. PART B – COMPLIMENTARY 17

Excesses An excess is an amount which may be deducted from any claim payment we make to you. Please read the following information about the excesses which may apply to Complimentary International Medical Travel Insurance. You must pay the following excess amounts for each event causing a claim under the following benefits. If you make more than one claim as a result of a single event, only one excess is payable. Complimentary International Medical Travel Insurance Level 1 & Level 2 Cards Benefit Excess 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) Nil 1.2 Overseas Medical & Hospital Expenses (including Dental) $500 1.3 Funeral Expenses Nil 6.1 Personal Liability $500 If you purchase Comprehensive International Travel Insurance, any variation of the base excess for the Comprehensive International Travel Insurance will apply to claims made for the benefits in this Complimentary International Medical Travel Insurance. The Cover Available EPIDEMICS AND PANDEMICS (SUCH AS COVID-19) If during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available to you under the following benefits within Complimentary International Medical Travel Insurance: 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) 1.2 Overseas Medical & Hospital Expenses (including Dental) 1.3 Funeral Expenses 18 PART B – COMPLIMENTARY

Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the General Exclusions for Complimentary International Medical Travel Insurance on page 33 and the exclusions set out in each of the sections listed above. For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover. TRAVEL DURING PREGNANCY If you know you are pregnant at the time of activating your Complimentary International Medical Travel Insurance, and: • you have had pregnancy complications* with this or a previous pregnancy; or • you are expecting more than one child, there is no cover under Complimentary International Medical Travel Insurance. However, you may consider purchasing an upgrade to a Comprehensive International Travel Insurance and apply to include cover under it for claims arising directly or indirectly from your pregnancy by completing our medical assessment. Otherwise, you do not need to tell us about your pregnancy as your Complimentary International Medical Travel Insurance will automatically provide cover for pregnancy-related claims arising from an unforeseen event, as long as: • the event occurred prior to the 24th week of your pregnancy; and • it is not something excluded under Complimentary International Medical Travel Insurance. This automatic cover will also apply if you become pregnant or discover you are pregnant after activation. Important: the cover provided under Complimentary International Medical Travel Insurance in relation to pregnancy is for unforeseen events only. PART B – COMPLIMENTARY 19

This Complimentary International Medical Travel Insurance will never provide any cover for: • a pregnancy once it is 24 weeks or more gestation; or • any expenses for routine or regular antenatal care; or • childbirth at any stage of your pregnancy or costs relating to the care or health of a newborn child, other than as a result of an accident occurring prior to the 24th week of your pregnancy which: • causes you to give birth prematurely; or • requires you to be admitted to hospital beyond the 24th week of your pregnancy, during which time your child is born. *We define ‘pregnancy complications’ as meaning a medical condition for which the diagnosis is distinct from pregnancy but is caused by or adversely affected by pregnancy. Please ensure you also read all the other sections of the Complimentary International Medical Travel Insurance so that you are aware of the limitations and extent of the cover provided. In particular, please consider the General Exclusions for Complimentary International Medical Travel Insurance on pages 33 to 39 and Our Definitions on pages 135 to 144 in Part D. PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance. Please ensure you read the definition of Pre-Existing Medical Condition in the Our Definitions section on pages 135 to 144. The following paragraphs a) to c) are included for information purposes only and are not part of the cover provided by the PDS in Part B for Complimentary International Medical Travel Insurance: a) Cover may be available under Comprehensive International Travel Insurance for pre-existing medical conditions (refer to Parts C & D of this document). 20 PART B – COMPLIMENTARY

b) Please ensure that you read the definition of pre- existing medical condition in the Our Definitions section on pages 135 to 144 in Part D. The definition makes reference to ‘a condition of which a reasonable person in the circumstances, should have been aware at the time of issue of the Certificate of Insurance’. Reference to a reasonable person is a reference to what would be expected of an average person in the circumstances. c) Any claims arising from, related to or associated with your pre-existing medical condition will only be included if you have purchased Comprehensive International Travel Insurance and you have disclosed the condition to Allianz Global Assistance by applying for cover for your pre-existing medical condition and they have agreed in writing to include cover under your Comprehensive International Travel Insurance for the condition. An additional premium may apply. Please ensure you also read all the other sections of the Complimentary International Medical Travel Insurance so that you are aware of the limitations and extent of the cover provided. In particular, please consider the General Exclusions for Complimentary International Medical Travel Insurance on pages 33 to 39 and Our Definitions on pages 135 to 144 in Part D. ACTIVITIES INCLUDED IN THIS PRODUCT This Complimentary International Medical Travel Insurance automatically provides cover for your participation in the activities listed under the Included activities section during your journey. Additional activities are available in our Optional Covers section, if you purchase an upgrade to a Comprehensive International Travel Insurance and the relevant pack. The Optional Covers section on pages 56 to 57 details the other activities for which cover can be purchased. PART B – COMPLIMENTARY 21

It is important you are aware of the limitations and extent of cover this Complimentary International Medical Travel Insurance provides. Please ensure you read and consider: • information about the benefit under which your claim is made; • all the other sections of the Complimentary International Medical Travel Insurance ; • the General Exclusions on pages 33 to 39; and • Our Definitions on pages 135 to 144 of Part D. INCLUDED ACTIVITIES • aqua zorbing; • archery; • bar and restaurant work (excluding security or crowd control); • bicycling (excluding bicycle motocross (BMX) or downhill mountain biking); • bungee jumping or canyon swinging; • camel, donkey or elephant riding (under appropriate supervision); • dancing; • dog sledding; • diving underwater at a depth no greater than 10 metres; • diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia, or dive with an instructor licensed for these activities, and note that restrictions apply - refer to General Exclusion ‘Diving alone’ ); • fishing (on land or within 2 nautical miles of land); • fruit picking that does not involve the use of machinery; • go-karting; • golf; • gym activities (excluding powerlifting); • gymnastics (excluding competitions); • horse riding (excluding competitions, equestrian events, steeple chasing, jumping, or polo); • ice skating on a rink (excluding competitive skating, racing, speed skating, and tour skating); 22 PART B – COMPLIMENTARY

• leisure activities (meaning any activities involving minimal physical exertion that are undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits); • music and singing; • orienteering; • paintball (with eye protection); • racing on foot as an amateur, for distances up to and including full marathon (42.2 kilometres or 26.2 miles) and note that restrictions apply - refer to General Exclusions ‘Activities’ and ‘Professional sport; • racing in a triathlon as an amateur, for distances up to and including a 1.5 kilometre swim, 40 kilometre bicycle ride and 10 kilometre run, and note that restrictions apply - refer to General Exclusions to Part B ‘Activities’ and ‘Professional sport’; • racquet and ball sports not involving physical contact; • regulated or licensed ballooning; • river cruising; • rockwall climbing (under appropriate supervision); • safari (under appropriate supervision, but not hunting); • sailing up to 10 nautical miles from land; • shark cage diving (subject to diving restrictions listed above); • shooting (fixed target only); • skateboarding, roller skating, inline skating (excluding vert skating or acrobatics); • snorkelling at a depth no greater than 10 metres; • soccer; • surface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals (see www.waterwaysguide.org.au/ GradingSystem); • surface water activities (other than sailing) up to 2 nautical miles off any land mass; • track and field athletics; and • walking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (excluding expeditions to or on the Kokoda Track/Trail). PART B – COMPLIMENTARY 23

EXCLUDED ACTIVITIES This Complimentary International Medical Travel Insurance will not provide cover for any activity not included in the list above. For the avoidance of doubt, the following activities are not covered: • Cruising meaning leisure or holiday travel as a passenger on-board a commercially operated sea or ocean-going vessel which has on-board accommodation and trained medical staff, whether or not the travel includes stopping at ports or other locations for sightseeing. Please note, river cruising is an included activity. • Skiing and snowboarding including off-piste skiing, off-piste snowboarding, or snowmobiling • Riding a motorcycle, moped or motorised scooter Additional activities including cover for some of the activities listed above are available in our Optional Covers section , if you purchase Comprehensive International Travel Insurance and the relevant pack. The Optional Covers section on pages 56 to 57 details the other activities for which cover can be purchased. The Cover In order to be sure that you are covered under this Complimentary International Medical Travel Insurance you should always contact Allianz Global Assistance for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. 1.1 OVERSEAS EMERGENCY ASSISTANCE (INCLUDING MEDICAL EVACUATION AND REPATRIATION) Allianz Global Assistance will help you with any overseas medical emergency. You can contact Allianz Global Assistance 24 hours a day, 7 days a week. 24 PART B – COMPLIMENTARY

1.1.1 Emergency Arrangements Allianz Global Assistance will arrange and pay the cost of the following assistance services overseas if, during the period of cover for your journey, you injure yourself, or become sick, (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19): a) access to a medical adviser for emergency medical treatment while overseas; b) any messages which need to be passed on to your family or employer in the case of an emergency, as well as contacting relevant embassies and consulates if required; c) provision of any written guarantees for payment under Section 1.2 of reasonable expenses for emergency hospital treatment while overseas; d) your medical transfer or evacuation if you must be transported to the nearest overseas hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision; and e) the return to Australia of your dependants if they are left without supervision following your admission to hospital or your evacuation. 1.1.2 What we do not cover To the extent permitted by law, we will not pay: a) for any expenses for medical evacuation unless it has been approved by Allianz Global Assistance, such approval shall not be unreasonably withheld or denied. Please contact Allianz Global Assistance to confirm approval for these costs; b) for costs and expenses that you would not have incurred had you followed reasonable medical advice. This includes any subsequent medical, hospital or evacuation expenses incurred when you did not follow the reasonable medical advice; PART B – COMPLIMENTARY 25

c) any claims which arise directly or indirectly from your pre-existing medical condition (for information purposes only and not forming part of the cover in Part B - Complimentary International Medical Travel Insurance, there may be cover under Part C if you have purchased a Comprehensive International Travel Insurance, disclosed the condition to us and we have agreed in writing to include cover for your condition) ; d) any claims under this benefit arising from your participation in snow sport activities or while you are on a cruise (for information purposes only and not forming part of the cover in Part B - Complimentary International Medical Travel Insurance, there may be cover under Part C – Comprehensive International Travel Insurance if you have purchased an upgrade to a Comprehensive International Travel Insurance and purchased its Optional Cover for these activities) . Please ensure you also read all sections of the Complimentary International Medical Travel Insurance - in particular, consider the General Exclusions for Complimentary International Medical Travel Insurance on pages 33 to 39 and Our Definitions on pages 135 to 144 in Part D. 1.2 OVERSEAS MEDICAL & HOSPITAL EXPENSES (INCLUDING DENTAL) 1.2.1 What we cover a) If during the period of cover you injure yourself or become sick while overseas (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), we will reimburse the reasonable medical or hospital expenses you incur until you return to Australia provided the relevant injury or sickness is covered by your Complimentary International Medical Travel Insurance. 26 PART B – COMPLIMENTARY

The medical or hospital expenses must have been incurred for treatment given or prescribed by a medical adviser. We will pay for treatment received and/or hospital accommodation you require up to a maximum period of 12 months after the sickness first presented itself or the injury occurred. If, after assessment of your claim, the reasonable medical advice is that you should return to Australia for treatment and you do not agree to do so, we will pay you a reasonable amount up to the limit shown in the Table of Benefits for Complimentary International Medical Travel Insurance on page 17, equivalent to: • your medical expenses and/or related costs incurred overseas to the date that we would have been able to reasonably facilitate your return to Australia; plus • the reasonable amount it would cost to facilitate your return to Australia; plus • the non-refundable portion of unused travel and accommodation arrangements you would have lost had you followed the advice of Allianz Global Assistance. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. Overseas Dental Treatment Subject to the conditions above, we will cover dental expenses that are: Due to an injury: due to an injury if you are involved in an accident while you are overseas and require treatment as provided under sub-section 1.2.1. We will also pay the necessary costs you incur overseas to repair damage to your teeth caused by injuries you sustained in the accident. Due to sudden onset of pain: due to sudden onset of dental pain that requires urgent treatment while you are overseas. PART B – COMPLIMENTARY 27

For cover to apply: • the tooth or teeth being treated must be healthy natural teeth (including teeth restored with fillings) with no impairment, periodontal or other conditions; and • the treatment is prescribed by the treating dentist solely for the immediate relief of sudden and acute onset of pain due to either an infection or you biting on something which caused the tooth to chip or break. 1.2.2 What we do not cover To the extent permitted by law, we will not pay for costs or expenses: a) when you have not notified Allianz Global Assistance as soon as reasonably practicable of your admission to hospital; b) any claims which arise directly or indirectly from your pre-existing medical condition (for information purposes only and not part of the cover in Part B - Complimentary International Medical Travel Insurance, there may be cover under Part C if you have purchased a Comprehensive International Travel Insurance, disclosed the condition to us and we have agreed in writing to include cover for your condition, in which case we will reimburse the reasonable medical or hospital expenses you incur until you return to Australia. The medical or hospital expenses must have been incurred for treatment given or prescribed by a medical adviser; however we will not pay for the cost of medication you were on, or the cost of a course of treatment you were receiving at the time your journey began); c) that relate to treatment exceeding more than 2 weeks by a dentist unless approved by Allianz Global Assistance, such approval shall not be unreasonably withheld or denied. Please contact Allianz Global Assistance to obtain approval for these costs; d) that you would not have incurred had you followed the reasonable advice of Allianz Global Assistance unless you can show the expense was necessarily incurred in circumstances beyond your control; e) if you have received medical care under a Reciprocal Health Care Agreement; 28 PART B – COMPLIMENTARY

f) for damage to dentures, dental prostheses, bridges or crowns; g) relating to dental treatment involving the use of precious metals or for cosmetic dentistry; h) for dental treatment caused by or related to the deterioration and/or decay of teeth; or i) for routine or preventative dental treatment. Please ensure you also read all sections of the Complimentary International Medical Travel Insurance - in particular, consider the General Exclusions for Complimentary International Medical Travel Insurance on pages 33 to 39 and Our Definitions on pages 135 to 144 in Part D. 1.3 FUNERAL EXPENSES 1.3.1 What we cover If you die overseas as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we will pay under this benefit is the benefit limit outlined in the Table of Benefits for Complimentary International Medical Travel Insurance on page 17. Please note that we will not pay for any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral service. 1.3.2 What we do not cover To the extent permitted by law, we will not pay: a) for any expenses for funeral expenses incurred overseas or bringing your remains back to your home unless it has been approved by Allianz Global Assistance, such approval shall not be unreasonably withheld or denied. Please contact Allianz Global Assistance to confirm approval for these costs; PART B – COMPLIMENTARY 29

b) any claims which arise directly or indirectly from your pre-existing medical condition (for information purposes only and not part of the cover in Part B - Complimentary International Medical Travel Insurance, there may be cover under Part C if you have purchased an upgrade to Comprehensive International Travel Insurance, disclosed the condition to us and we have agreed in writing to include cover for your condition you may have cover under the Comprehensive International Travel Insurance; c) any claims under this benefit arising from your participation in snow sport activities. However, you may have cover under Benefit 7.8 Overseas Emergency Snow Sport Assistance if you have purchased the optional Snow Pack under Comprehensive International Travel Insurance; d) any claims under this benefit arising while you are on a cruise. However, you may have cover under Benefit 7.2 Evacuation Cover - Ship to Shore if you have purchased the optional Cruise Pack under Comprehensive International Travel Insurance. Please ensure you also read all sections of the Complimentary International Medical Travel Insurance - in particular, consider the General Exclusions for Complimentary International Medical Travel Insurance on pages 33 to 39 and Our Definitions on pages 135 to 144 in Part D. 6.1 PERSONAL LIABILITY 6.1.1 What we cover If you become legally liable to pay compensation for: • death or bodily injury to someone else; or • physical loss of, or damage to, someone else’s property, as a result of an accident, or a series of accidents arising out of the one event, that happens during your journey, then we will cover you for: • the compensation (including legal costs) awarded against you; and 30 PART B – COMPLIMENTARY

• any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs. If you fail to do so, we will only pay for costs incurred up to the amount we would have authorised had you asked us first. Please contact Allianz Global Assistance to confirm approval for these costs. Where reasonably practicable, we should be told as soon as you or your personal representatives are aware, or a reasonable person in your circumstances would have been aware, of a possible prosecution, inquest, fatal injury, accident or incident which might lead to a claim against you. You should not pay or promise to pay, settle with, admit or deny liability to anyone who makes a claim against you without our written consent. If you do, we may reduce or refuse your claim to the extent we are prejudiced. 6.1.2 What we do not cover To the extent permitted by law, we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for: a) bodily injury to you, your travel companion or to a relative or employee of any of you; b) loss of or damage to property belonging to, or in the care, custody or control of you, your travel companion, a relative or an employee of any of you; c) your ownership, custody, control or use of any firearm or weapon, aerial device, watercraft or motorised vehicle; d) your conduct of, or employment in any business, profession, trade or occupation; e) any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance, or compensation scheme or fund, or under Workers Compensation legislation, or an industrial award or agreement; PART B – COMPLIMENTARY 31

f) any fine or penalty, or aggravated, punitive, exemplary or liquidated damages; g) illness, sickness or disease that is transmitted by you; h) any relief or recovery other than monetary amounts; i) a contract that imposes on you a liability which you would not otherwise have; j) assault and/or battery committed by you or at your direction; k) any act intended to cause bodily injury, property damage or liability done by you or any person acting with your knowledge, connivance or consent; l) your participation in snow sport activities or activities not listed under the Activities Included in this Product section on pages 21 to 23. For information purposes only and not forming part of the Complimentary International Medical Travel Insurance cover, if you purchase Comprehensive International Travel Insurance, exclusion 6.1.2 l) above applies even if you have purchased an Adventure Pack or Snow Pack . Please ensure you also read all sections of the Complimentary International Medical Travel Insurance - in particular, consider the General Exclusions for Complimentary International Medical Travel Insurance on pages 33 to 39 and Our Definitions on pages 135 to 144 in Part D. 32 PART B – COMPLIMENTARY

General Exclusions What we don’t cover unless this Complimentary International Medical Travel Insurance specifically allows it. In addition to any exclusions listed under each benefit, here is a list of things that, to the extent permitted by law, we won’t cover under any benefit of Complimentary International Medical Travel Insurance, as well as a list of things that we will never cover. Please ensure you read these general exclusions, together with the other sections of the Complimentary International Medical Travel Insurance so that you are aware of the limitations and extent of the cover the Complimentary International Travel Insurance provides. In particular, please consider Our Definitions in Part D on pages 135 to 144.

Activities Your claim arises from, or is in any way connected with you participating in: • any activity not listed in the Activities Included in this product section on pages 21 to 23; or • cruising, except river cruising; or • flying other than when you are travelling as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon.
Pre-existing Medical Conditions Your claim arises from, is related to or associated with a pre-existing medical condition of you, or your travel companion, or a relative unless: • the pre-existing medical condition is a condition that you did not need to disclose to us as advised under the heading Travel During Pregnancy section. PART B – COMPLIMENTARY 33
Pregnancy Your claim arises directly or indirectly out of pregnancy or pregnancy complications except where: a) you did not need to disclose your pregnancy to us as advised under the heading Travel During Pregnancy section; or b) it is as a result of an accident occurring prior to the 24th week of your pregnancy which: • causes you to give birth prematurely; or • requires you to be admitted to hospital beyond the 24th week of your pregnancy, during which time your child is born. Important: Even if Allianz Global Assistance has included cover under your Complimentary International Medical Travel Insurance for your pregnancy, other than as set out in point b) above, this Complimentary International Medical Travel Insurance will never provide any cover for: • a pregnancy once it is 24 weeks or more gestation; • any expenses for routine or regular antenatal care; • childbirth at any stage of your pregnancy; or • care of, or relating to the health of, a newborn child.
Private medical treatment You elect to receive private medical treatment where public funded services or treatment is readily available, including medical or hospital treatment under a Reciprocal Health Care Agreement between the Government of Australia and the government of any other country, unless Allianz Global Assistance has agreed to you receiving that private medical treatment. Please contact Allianz Global Assistance to confirm approval for these costs. 34 PART B – COMPLIMENTARY
Vehicles Your claim arises directly or indirectly from, or is in any way connected with you: • riding a quad bike, or riding or travelling as a pillion passenger on a motorcycle, moped or motorised scooter, (for information purposes only and not forming part of the cover in Part B - Complimentary International Medical Travel Insurance, there may be cover under Part C if you have purchased a Comprehensive International Travel Insurance and have purchased the optional Adventure Pack ) ; or • driving or riding a vehicle as the driver, unless you hold the appropriate class of licence (excluding learners licences) in Australia for that vehicle, or a licence valid for the country you are travelling in if your Australian licence is not recognised in that country. This exclusion does not apply to you travelling as a passenger in a taxi or other transport vehicle. WHAT WE WILL NEVER COVER There is no cover under any benefit of Complimentary International Medical Travel Insurance if:
Acting intentionally or recklessly You do not do everything you reasonably can to avoid or reduce any loss as much as possible or you intentionally or recklessly act in a way that: • reasonably poses a risk to your safety or the safety of your luggage and personal effects, valuables or other belongings; or • increases the chance of a claim being made under the Complimentary International Medical Travel Insurance, unless you do so in an attempt to protect the safety of a person or to protect property. PART B – COMPLIMENTARY 35
Addiction Your claim arises from: • you or any other person being admitted to hospital or confined to a clinic, where you or that other person (as the case may be) is being treated for addiction to drugs, substances or alcohol, or is using the hospital or clinic as a nursing, convalescent or rehabilitation place; or • a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person.
Aware of circumstances At the time of activation, you were aware, or a reasonable person in your circumstances would have been aware, of something that would give rise to you making a claim under this Complimentary International Medical Travel Insurance.
Diving alone An incident or event occurs while you are diving alone.
Elective surgery Your claim arises from, is related to or associated with elective surgery, and/or treatment received by you or your travel companion during your journey.
Epidemic/ pandemic Your claim arises from, is related to an epidemic or pandemic unless your claim relates to you or your travel companion contracting an epidemic or pandemic sickness and cover is expressly included in the following sections: 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) 1.2 Overseas Medical & Hospital Expenses (including Dental) 1.3 Funeral Expenses
Errors or omissions Your claim arises from errors or omissions in any booking arrangements or failure to obtain any relevant visa, passport or travel documents. 36 PART B – COMPLIMENTARY
Government confiscation Your claim arises from a government authority confiscating, detaining or destroying anything.
Health insurance Your claim arises from, or associated with any loss, damage, liability, event, occurrence, injury or sickness where providing you with such cover would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or where Allianz does not have the necessary licenses or authority to provide such cover.
Ignoring safety warnings Your claim arises directly or indirectly from, or is in any way connected with, you not observing all safety warnings and advice about adverse weather and terrain conditions.
Illegal acts Your claim arises because you breach any government prohibition or regulation, including visa requirements or intentionally act illegally.
Loss of enjoyment Your claim is for loss of enjoyment of any kind.
Medical complications Your claim arises, or is a consequence of complications from, medical, surgical or dental procedures or treatments received by you or your travel companion during your journey that arise from a pre-existing medical condition. (for information purposes only and not forming part of the cover in Part B - Complimentary International Medical Travel Insurance, there may be cover under Part C if you have purchased a Comprehensive International Travel Insurance and applied for cover for your pre-existing medical condition and we have agreed in writing to cover. A premium may be payable.) PART B – COMPLIMENTARY 37
Medication already in use Your claim is for the cost of medication you are using at the time the journey began or the cost for maintaining a course of treatment you were on prior to the start of the journey.
Nuclear materials, biological or chemical weapons Your claim arises from: • a nuclear reaction or contamination from nuclear weapons or radioactivity; or • biological and/or chemical materials, substances, compounds or the like including when used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear.
Professional sport Your claim arises from you or your travel companion participating in professional sport of any kind (including professional racing on foot).
Protective gear Your claim arises directly or indirectly from, or is in any way connected with, you not wearing the appropriate protective clothing and head protection for the sport or activity you are participating in.
Suicide Your claim arises from your intentional self harm or your suicide or attempted suicide.
Travel against medical advice Your claim is in respect of travel booked or undertaken by you against the advice of any medical adviser.
Travel alerts and other warnings Your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of: • by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au; or • which was published in a reliable mass media source. 38 PART B – COMPLIMENTARY
Under the influence Your claim arises from, or is caused, or is contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions.
Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this Complimentary International Medical Travel Insurance to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This clause shall apply where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction.
War Your claim arises from any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.
Workers compensation Your claim is for a loss which is recoverable by compensation from any transport provider, or under any workers compensation law, government sponsored fund, plan, or medical benefit scheme, or any other similar type of legislation required to be effected by or under a law. Please also read Part D from page 121 which forms part of the Complimentary International Medical Travel Insurance. Part D includes important information including Claims and Our Definitions . PART B – COMPLIMENTARY 39

PART C Comprehensive International Travel Insurance PDS 40

About this Product Disclosure Statement A Product Disclosure Statement (PDS) for the Comprehensive International Travel Insurance is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy this product and to compare it with other products you may be considering. This PDS sets out the cover available, what isn’t covered and the terms and conditions which apply. Please note that any recommendations or opinions in this document are of a general nature only and do not take into account your objectives, financial situation or needs. Before you make any decisions about the product, you should read this Comprehensive International Travel Insurance carefully to ensure that it is suitable for you. You need to decide if the benefit limits, type, and level of cover are appropriate for you and will cover your potential loss. You may be eligible under other insurance that include some or all of the benefits provided under this product. You should read this Comprehensive International Travel Insurance carefully and consider whether this product suits your objectives, financial situation or needs. If you have any queries, want further information about this product or want to confirm a transaction, please use the contact details on the inside front cover of this document. The documents that form your policy for Comprehensive International Travel Insurance are listed below. Please carefully read them and make sure you can access them while travelling and upon your return: • this Comprehensive International Travel Insurance Parts C and D; • Certificate of Insurance; • Medical Terms of Cover document (if applicable) 41 PART C – COMPREHENSIVE

Understanding this product and its important terms and conditions To properly understand this product’s features, benefits, limits, conditions and exclusions you need to carefully read this Comprehensive International Travel Insurance in full, including without limitation, please read: • the section headed Purchasing this Product – contains important information on who is eligible to purchase a policy, age limits, your period of cover and when the cover can be extended or amended, your insurance premium, the cooling-off period, and more; • about the benefit limits that we will pay in the Table of Benefits , applicable excesses in the section headed Excesses , the activities which are automatically included, and any options in the section headed Optional Covers – including the limits on the amount we will pay in the Cruise Pack and Snow Pack Tables of Benefits; • the section headed Pre-existing Medical Conditions (remember certain words have defined meanings – see the section headed Our Definitions in Part D on pages 135 to 144); • the section headed Your Duty to Take Reasonable Care Not to Make a Misrepresentation ; • the section headed Important Things You Need To Know - contains information on the General Insurance Code of Practice, the Financial Claims Scheme, our Privacy Notice, and more; • what we cover and what we do not cover under each Policy Benefits section and Optional Covers section (where applicable to any cover you purchase), and in the section headed General Exclusions ; • the section headed Claims - when you can choose your own doctor, and when you should contact Allianz Global Assistance concerning 24 hour medical assistance, overseas hospitalisation or medical evacuation. This section also sets out important information about how we will consider claims and certain obligations that you and we have, circumstances in which we may refuse to pay or reduce the amount we will pay in relation to a claim, our dispute resolution process, and more. 42 PART C – COMPREHENSIVE

Updating the PDS We may need to update this Comprehensive International Travel Insurance from time to time. We will do this if certain changes occur, and we are required and permitted by law to do so. We will issue you with a new PDS or a supplementary PDS to update the relevant information except in limited cases. Where the information is not to correct a misleading or deceptive statement or an omission that is materially adverse, from the point of view of a reasonable person considering whether to buy this product, Allianz Global Assistance may provide the updated information on their website. You can also get a paper copy of the updated information free of charge by calling the contact number shown on the inside front cover of this document. Your Duty to Take Reasonable Care Not to Make a Misrepresentation When you purchase a Comprehensive International Travel Insurance and purchase any of its Optional Covers , you must take reasonable care not to make a misrepresentation to us. This responsibility applies until we issue you with Comprehensive International Travel Insurance for the first time or agree to renew, extend, vary/ change, or reinstate your Comprehensive International Travel Insurance. You must answer our questions honestly, accurately and to the best of your knowledge. A misrepresentation includes a statement that is false, partially false, or which does not fairly reflect the truth. It is not a misrepresentation if you do not answer a question or if your answer is obviously incomplete or irrelevant to the question asked. The responsibility to take reasonable care not to make a misrepresentation applies to everyone who will be insured under the Comprehensive International Travel Insurance. If you are answering questions on behalf of anyone, we will treat your answers or representations as theirs. 43 PART C – COMPREHENSIVE

Whether or not you have taken reasonable care not to make a misrepresentation is to be determined having regard to all relevant circumstances, including the type of insurance, who it is intended to be sold to, whether you are represented by a broker, your particular characteristics and circumstances we are aware of. If you do not meet the above duty, we may reject or not fully pay your claim and/or cancel your Comprehensive International Travel Insurance. If the misrepresentation was deliberate or reckless, this is an act of fraud, and we may treat your policy as if it never existed. If our information or questions are unclear, you can contact us using the contact information on the inside front cover of this document. Other insurance If any loss, damage or liability covered under this Comprehensive International Travel Insurance is covered by any other insurance, you must give us details. If you make a claim under one insurance and you are paid the full amount of your claim, you cannot make a claim under the other insurance. If you make a claim under any other insurance and you are not paid the full amount of your claim, we will make up the difference, up to the amount this Comprehensive International Travel Insurance covers you for, provided your claim is covered by this Comprehensive International Travel Insurance. We may seek contribution to amounts we have paid, or must pay, from your other insurer. You must give us any information we reasonably ask for to help us make a claim from your other insurer. 44 PART C – COMPREHENSIVE

Purchasing this Product WHO IS ELIGIBLE TO PURCHASE COMPREHENSIVE INTERNATIONAL TRAVEL INSURANCE? You, your spouse and dependants are eligible to purchase a Comprehensive International Travel Insurance if you, your spouse and dependants meet the following eligibility criteria: • you are a Level 1 or Level 2 cardholder and you activate your Complimentary International Medical Travel Insurance; and • you, your spouse and dependants have a permanent home in Australia and you, your spouse and dependants: • are permanent residents of Australia; or • hold a current Australian visa - but not a tourist or working holiday visa - that will remain valid after your journey ends and allows you unrestricted right of entry into Australia; or • hold a valid Australian Medicare card; and • you purchase your Comprehensive International Travel Insurance before leaving Australia; and • you, your spouse and dependants have a return overseas travel ticket before leaving Australia. Please note that if requested, you will need to prove your eligibility (where reasonable) by providing any of the following: a) a copy of your passport; b) Australian residency documents; c) a copy of your current Australian visa; d) a copy of your valid Medicare card; or e) other official documents confirming your right to reside in Australia; or f) a copy of your flight or travel itinerary. 45 PART C – COMPREHENSIVE

DO ANY AGE LIMITS APPLY? Comprehensive International Travel Insurance is available to eligible travellers of all ages. The Comprehensive International Travel Insurance’s Adventure Pack and Snow Pack are only available for eligible travellers under the age of 81 years. Eligible dependants must be aged under 25 years at the time of issue of your Certificate of Insurance. Applying for cover When you apply for your Comprehensive International Travel Insurance, we will confirm with you things such as the period of cover, your premium, what cover options you have selected and what excesses will apply, and whether any standard terms are to be varied. These details will be recorded on the Certificate of Insurance issued to you which may vary the standard Comprehensive International Travel Insurance terms. To confirm any Comprehensive International Travel Insurance transaction, (if the Certificate of Insurance does not have all the information you require), call Allianz Global Assistance using the contact number shown on the inside front cover of this document. If we are unable to offer you the cover you seek, it will be because the particular product offered is not designed to cover a particular risk or risks including, but not limited to, some geographical regions, some pre-existing medical conditions or some ages. In such a case, if you would like to discuss your options please use the contact details on the inside front cover of this document, or contact the Insurance Council of Australia (ICA) - the ICA provides a referral service which is available on their website at www.insurancecouncil.com.au. Select ‘Find an Insurer’ to view a list of general insurers who may be able to provide insurance to suit your requirements. 46 PART C – COMPREHENSIVE

Your insurance premium The cost of your insurance is called a ‘premium’. You will be told the premium that is payable for your Comprehensive International Travel Insurance when you apply and it will be shown on your Certificate of Insurance. The premium amount is calculated using a number of factors including: • your risk profile. We work this out using a number of factors such as: • your travel destination(s), • the length of your journey, • the amount and type of cover you require, – the number of people to be insured under the Comprehensive International Travel Insurance, and their ages, • the time between the date you purchase your Comprehensive International Travel Insurance and the start date of your journey, • the pre-existing medical condition(s) of the people insured under the Comprehensive International Travel Insurance, • the likelihood of a claim being made on your Comprehensive International Travel Insurance. • any commissions that may be payable; • any discounts that may apply; • any government charges we pay, such as Stamp Duty and GST; • any other charges we tell you about; • the excess you choose. The Bank may receive a commission from the premium you pay when you purchase a Comprehensive International Travel Insurance or purchase its Optional Covers . The calculation of your premium does not include the covers within the complimentary covers in Part B which have been made available to you and funded by the Bank. 47 PART C – COMPREHENSIVE

Cooling Off Period Even after you have purchased your Comprehensive International Travel Insurance, you have cooling- off rights. If you decide that you do not want your Comprehensive International Travel Insurance, you may cancel it within 14 days after you are issued your Certificate of Insurance. We will give you a full refund of the premium you paid, provided: • you have not started your journey; and • you do not want to make a claim under your Comprehensive International Travel Insurance; and • you do not want to exercise any other right under your Comprehensive International Travel Insurance. Cancellation After the Cooling Off Period If you wish to cancel your Comprehensive International Travel Insurance more than 14 days after you are issued your Certificate of Insurance, we will provide a partial premium refund of the premium you paid, provided: • you have not started your journey; and • you do not want to make a claim under your Comprehensive International Travel Insurance; and • you do not want to exercise any other right under your Comprehensive International Travel Insurance policy. We will calculate the partial refund on a pro-rata basis from the date you contact us to cancel your Comprehensive International Travel Insurance policy until the end date of the period of cover provided by your Comprehensive International Travel Insurance. Cancellation After the Cooling Off Period due to COVID-19 If you have been prevented from travelling or, where you have already commenced your journey, you have had your journey shortened, because: 48 PART C – COMPREHENSIVE

• of a border closure arising from COVID-19; or • you are required to complete a mandatory quarantine period because of where you are travelling or intend to travel to or from, you may cancel your Comprehensive International Travel Insurance after the cooling off period. We will give you a partial refund or full refund of the premium you paid, subject to the conditions outlined below. The border closure or quarantine must be: • due to COVID-19; and • enforced by a government or other competent authority in the jurisdiction where you are travelling or intend to travel to or from; and • in effect at the time you cancel your policy or at the time when you are due to commence your journey. We will calculate any premium refund we give you due to border closure or quarantine arising from COVID-19 as follows: If you have not commenced your journey We will provide a full premium refund. If you have commenced your journey We will provide a partial premium refund. We will calculate the partial refund on a pro-rata basis from the date you returned home from your journey until the end date of the period of cover provided by your Comprehensive International Travel Insurance. You will not be eligible for any premium refund if: • you have made a claim which is paid in part or full; or • you want to make a claim; or • you want to exercise any other right under your Comprehensive International Travel Insurance. Outside of these circumstances, you can still cancel your Comprehensive International Travel Insurance but, we will not refund any part of your premium if you do. 49 PART C – COMPREHENSIVE

Period of Cover We will confirm the issue of your Comprehensive International Travel Insurance by providing you with a Certificate of Insurance. The Certificate of Insurance will list the period you are insured for. See When does my cover start? and When does my cover end? below. IMPORTANT TRAVEL ALERT INFORMATION Before purchasing Comprehensive International Travel Insurance, check http://www.smartraveller.gov.au and http://www.allianzpartners.com.au/travel-insurance/ travel-alerts for travel alerts or advisories for your intended destination(s). Coverage may be affected or declined where a claim arises because you did not follow an advice or warning issued by an Australian government relating to your destination. This includes travelling when a ‘Do not travel’ alert is in place and not taking action to minimise or avoid any potential claim. Please note, this also applies even if the Australian government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling. WHEN DOES MY COVER START? If you purchase a Comprehensive International Travel Insurance and any of its Optional Covers: • cover under Benefit 2.1 Cancellation begins from the date your Comprehensive International Travel Insurance is issued - this is shown on your Certificate of Insurance as the date of issue. Note that cover under Benefit 2.1 Cancellation only applies to the travel arrangements you will be using between the start and end dates shown on your Certificate of Insurance. • cover for all other benefits begins when you start your journey or on the start date shown on your Certificate of Insurance, whichever happens later. WHERE WILL I BE COVERED? Before you activate and purchase your Comprehensive International Travel Insurance, we will ask you to list the destinations you intend to visit, including any destination where you will have a transit time or stop-over of more 50 PART C – COMPREHENSIVE

than 24 hours. However, you don’t need to list the destinations where your transit time or stop-over is less than 24 hours. If you haven’t yet decided on all of the destinations you will be visiting, you can list the region(s) you’re travelling to instead (rather than trying to work out each destination). The Certificate of Insurance will list the destination(s), countries, and/or regions you have selected for cover. In addition, the Certificate of Insurance will also list the region/s you can travel to with this cover at no additional cost. Refer to www.allianzpartners.com.au/travel- insurance/regions for our Regions list. Aside from any destinations where your transit time or stop-over is less than 24 hours, your Comprehensive International Travel Insurance will not provide cover outside of the destination(s), countries and/or regions listed on your Certificate of Insurance. WHEN DOES MY COVER END? Cover finishes at the end of your journey or on the end date shown on your Certificate of Insurance, whichever happens first. AUTOMATIC EXTENSIONS OF COVER Your cover will be extended at no additional charge if your return to your home has been delayed because of one or more of the following: • a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage and personal effects, is delayed; or • the delay is due to an event that is covered under this Comprehensive International Travel Insurance. If the event causing the delay is not covered under Comprehensive International Travel Insurance, please refer to the section headed Extending your cover if you are already travelling of the Comprehensive International Travel Insurance as you may be eligible to extend your original period of cover. 51 PART C – COMPREHENSIVE

The cover provided under Benefit 1.4 Accidental Death on page 54 will not automatically extend for any period more than 12 consecutive months from the start date shown on your Certificate of Insurance, in any circumstances. The cover will end when you return home or if after assessment of your claim, the reasonable medical advice is that you are medically fit to return to Australia, the cover will end on the date that Allianz Global Assistance would have been able to reasonably facilitate your return to Australia. EXTENDING YOUR COVER IF YOU ARE ALREADY TRAVELLING If you are already travelling and would like to be insured for longer than your original period of cover, you will need to apply for cover prior to the expiry of your original Comprehensive International Travel Insurance. To apply, please contact us on the number shown on the inside front cover of this document to determine your eligibility. Please note that acceptance is not guaranteed and may be subject to certain underwriting requirements. If accepted, an additional premium will apply. If we accept your application, we will issue you with a new Comprehensive International Travel Insurance which will not be an extension of your original Comprehensive International Travel Insurance. A new period of cover will apply and you will be issued with a new Certificate of Insurance. The period of cover on your new Certificate of Insurance cannot exceed 12 months from the start date shown on your new Certificate of Insurance. Important: Cover under your new Comprehensive International Travel Insurance will not be provided: • for any pre-existing medical condition covered under your original Comprehensive International Travel Insurance unless you make further application for cover and Allianz Global Assistance agrees to provide cover for your pre-existing medical condition; 52 PART C – COMPREHENSIVE

• for any medical condition you suffered during the term of your original Comprehensive International Travel Insurance (which will be defined as a pre-existing medical condition under your new Comprehensive International Travel Insurance policy) unless you apply for cover at the time you apply for your new Comprehensive International Travel Insurance and we agree in writing to provide cover for your pre-existing medical condition; or • for any circumstances that have given (or may give) rise to a claim under your original Comprehensive International Travel Insurance. Table of Benefits The tables below sets out the benefits that apply to the Comprehensive International Travel Insurance and its Optional Covers and the maximum amount we will pay for all claims combined under each benefit. This table is a summary only. Please carefully read the Comprehensive International Travel Insurance in full to ensure you understand the extent of cover provided and limitations (including any sub-limits) that apply . All limits and sub-limits in the table are shown in Australian dollars. All costs and expenses claimed must be necessary and reasonable. Benefit limits are either for a Cardholder or Cardholder & Spouse. Dependants are included in the limits available. For clarity, a cardholder can only claim under one set of benefit limits per journey, not both. The benefits below are in addition to the benefits available to you under the Complimentary International Medical Travel Insurance after you have activated it. Refer to the Table of Benefits for Complimentary International Medical Travel Insurance in Part B on pages 16 and 17: 53 PART C – COMPREHENSIVE

Comprehensive International Travel Insurance Level 1 & Level 2 Cards Benefits Excess Applies Cardholder Limit Cardholder & Spouse Limit Dependants are included in the limits available 1.4 Accidental Death Yes $50,000 $100,000 ($50,000 per person) 1.5 Permanent Disability ^ # Yes $50,000 $100,000 ($50,000 per person) 1.6 Hospital Cash Allowance ^ No $5,000 ($50 per night after an initial 48 hours) $10,000 ($50 per person, up to $100 per night, after an initial 48 hours) 2.1 Cancellation Sub-limits: Yes As selected † As selected † • Travel Agents Cancellation Fees $1,500 $1,500 per person up to $3,000 • Pre-existing medical condition of a relative $2,000 $2,000 per person up to $4,000 3.1 Additional Expenses Yes $50,000 ($2,000 for pre- existing medical condition of a relative) $100,000 ($2,000 per person up to $4,000 for pre- existing medical condition of a relative) 3.2 Travel Delay Expenses No $3,000 ($300 after an initial 6-hour delay then again for each consecutive 24- hour period) $6,000 ($300 per person, up to $600, after an initial 6-hour delay then again for each consecutive 24- hour period) 3.3 Alternative Transport Expenses ^ Yes $5,000 $10,000 54 PART C – COMPREHENSIVE

Benefits Excess Applies Cardholder Limit Cardholder & Spouse Limit Dependants are included in the limits available 4.1 Luggage, Personal Effects & Valuables Yes $10,000 $20,000 Individual item sub-limits: • $3,000 for personal computers, tablets, cameras or video cameras. • $1,000 for mobile phones (including smart phones and any items with phone capabilities). • $750 for all other items (including jewellery and watches). • Items left in a concealed storage compartment of a locked vehicle during daylight hours - $200 per item up to a maximum of $2,000. 4.2 Luggage & Personal Effects Delay Expenses No $1,000 (Minimum delay 10 hours) $2,000 (Minimum delay 10 hours) 4.3 Travel Documents, Transaction Cards & Travellers Cheques ^ Yes $5,000 $10,000 4.4 Theft of Cash No $250 $500 5.1 Rental Vehicle Excess Yes $6,000 $6,000 † A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However, you are able to choose different levels of cover from the amounts available to you when you purchase your Comprehensive International Travel Insurance. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation. ^ you do not have cover under this benefit while travelling in Australia.

you will not have cover under Benefits 1.5 Permanent Disability for any claims

arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities. 55 PART C – COMPREHENSIVE

Optional Covers Cruise Pack Benefits Excess Applies Cardholder Limit Cardholder & Spouse Limit Dependants are included in the limits available 7.1 Medical Cover while Cruising # Yes $20 million $40 million 7.2 Evacuation Cover

Ship to Shore # Yes $20 million ($60,000 for funeral expenses) $40 million ($60,000 per person up to $120,000 for funeral expenses) 7.3 Cabin Confinement # No $500 ($50 after initial 48 hours, then again for each consecutive 24-hour period thereafter) $1,000 ($50 per person up to $100, after initial 48 hours, then again for each consecutive 24-hour period thereafter) 7.4 Pre-paid Shore Excursion Cancellation # Yes $1,000 $2,000 7.5 Formal Wear - Cruise # Yes $1,000 $2,000 7.6 Formal Wear Delay Expenses # No $250 (Minimum delay 12 hours) $500 (Minimum delay 12 hours) 7.7 Marine Rescue Diversion # No $500 ($100 per day) $1,000 ($100 per person, up to a maximum of $200 per day)

you only have cover for these benefits if the relevant pack has been purchased.

56 PART C – COMPREHENSIVE

Snow Pack Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance. Benefits Excess Applies Cardholder Limit Cardholder & Spouse Limit Dependants are included in the limits available 7.8 Overseas Emergency Snow Sport Assistance # Yes $100,000 ($60,000 for funeral expenses) $200,000 ($60,000 per person up to $120,000 for funeral expenses) 7.9 Own Snow Sport Equipment # Yes $2,000 ($200 per item if left in or on a vehicle and $1,000 in total for all stolen items) $4,000 ($200 per item if left in or on a vehicle and $1,000 in total for all stolen items) 7.10 Snow Sport Equipment Hire # Yes $2,000 (Minimum delay 24 hours) $4,000 (Minimum delay 24 hours) 7.11 Snow Sport Pack # Yes $1,000 $2,000 7.12 Piste Closure # No $1,000 ($100 after initial 24 hours, then again for each consecutive 24-hour period thereafter) $2,000 ($100 per person up to a maximum of $200 after initial 24 hours, then again for each consecutive 24-hour period thereafter) 7.13 Bad Weather & Avalanches # Yes $1,000 $2,000

you only have cover for these benefits if the relevant pack has been purchased.

57 PART C – COMPREHENSIVE

Excesses An excess is an amount which may be deducted from any claim payment we make to you. Please read the following information about the types of excesses which may apply to your Comprehensive International Travel Insurance. BASE EXCESS Your Comprehensive International Travel Insurance has a base excess which is shown on your Certificate of Insurance. The base excess applies to each event causing a payable claim except where the claim is solely payable under any of the following benefits in which case the base excess will not apply: 1.6 Hospital Cash Allowance 3.2 Travel Delay Expenses 4.2 Luggage & Personal Effects Delay Expenses 4.4 Theft of Cash 7.3 Cabin Confinement 7.6 Formal Wear Delay Expenses 7.7 Marine Rescue Diversion 7.12 Piste Closure You also have the option to vary the amount of the Complimentary International Medical Travel Insurance base excess - refer to the section headed Varying The Base Excess in the Optional Covers section for details. OTHER EXCESSES a) If you apply for cover of your pre-existing medical conditions (and Allianz Global Assistance agrees to provide you with cover), a medical excess may apply to claims arising from those approved pre-existing medical conditions. Where a medical excess applies to a claim, it will replace the base excess, not be additional to it. We will inform you in writing if a medical excess applies and this will be shown on your Certificate of Insurance. 58 PART C – COMPREHENSIVE

For example: Sam selects a $250 base excess for his Comprehensive International Travel Insurance. Sam applies for cover of a pre-existing heart condition. Allianz Global Assistance agrees to provide cover for this condition and Sam selects a $500 medical excess. If Sam needs to make a claim arising from this condition, the medical excess of $500 will be applied to the claim. However, if Sam needs to make a claim which is not related to any covered pre-existing medical condition, then the $250 base excess will be applied - not the medical excess. b) In addition to your base excess, a non-removable excess of $500 will apply to any claim payable under Benefits 1.2 Overseas Medical & Hospital Expenses (including Dental) and 2.1 Cancellation if you have purchased: • a Snow Pack and your claim arises from your participation in snow sport activities; or • an Adventure Pack and your claim arises from your participation in any of the activities listed under the Adventure Pack in the Optional Covers section. EPIDEMICS AND PANDEMICS (SUCH AS COVID-19) If during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available to you under the following sections: 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) 1.2 Overseas Medical & Hospital Expenses (including Dental) 1.3 Funeral Expenses 1.6 Hospital Cash Allowance 2.1 Cancellation 3.1 Additional Expenses 59 PART C – COMPREHENSIVE

In addition, if you have purchased the optional Cruise Pack , cover is available to you under the following sections: 7.1 Medical Cover While Cruising 7.2 Evacuation Cover – Ship to Shore 7.3 Cabin Confinement 7.4 Pre-paid Shore Excursion Cancellation If you have purchased the optional Snow Pack , cover is available to you under the following sections: 7.8 Overseas Emergency Snow Sport Assistance 7.11 Snow Sport Pack If during your period of cover, your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover is available to you under the following sections: 2.1 Cancellation 3.1 Additional Expenses In addition, if you have purchased the optional Cruise Pack , cover is available to you under the following section: 7.4 Pre-paid Shore Excursion Cancellation Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the General Exclusions section and the exclusions set out in each of the sections listed above. For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover. PRE-EXISTING MEDICAL CONDITIONS Pre-existing medical conditions can complicate medical treatment, lengthen your recovery time, and increase medical costs if you are injured or become sick while overseas. The likelihood of needing to cancel your holiday for health reasons is also a possibility. Therefore, it is important that you understand what this Comprehensive International Travel Insurance covers when it comes to your health. 60 PART C – COMPREHENSIVE

Please ensure that you read the definition of pre-existing medical condition in the section headed Our Definitions on pages 135 to 144. The definition makes reference to ‘a condition of which a reasonable person in the circumstances, should have been aware at the time of issue of the Certificate of Insurance’. Reference to a reasonable person is a reference to what would be expected of an average person in the circumstances. Please read the following information carefully. We will only provide cover for claims which arise directly or indirectly from your pre-existing medical condition if you have disclosed the condition to Allianz Global Assistance and they have agreed in writing to include cover under your Comprehensive International Travel Insurance for the condition. Details of the approved pre-existing medical condition(s) will be set out on your Certificate of Insurance or Medical Terms of Cover document. If you: • choose not to disclose any pre-existing medical condition; or • disclose your pre-existing medical condition to Allianz Global Assistance but do not accept the offer from them to include cover under your Comprehensive International Travel Insurance for your condition, you won’t be covered for any claim that arises from that condition. INCLUDING COVER FOR YOUR PRE-EXISTING MEDICAL CONDITION You can apply to include cover under your Comprehensive International Travel Insurance for certain pre-existing medical condition(s) at the time of purchasing your Comprehensive International Travel Insurance. You will need to complete our medical assessment which can be done on-line or by calling the sales and general enquiries number shown on the inside front cover of this document. 61 PART C – COMPREHENSIVE

If you are pregnant at the time of purchasing your Comprehensive International Travel Insurance, your pregnancy is considered to be a pre-existing medical condition. Please ensure you read the section titled Travel During Pregnancy on page 64 for important information about the cover this product provides for pregnancy and when you need to apply for cover for a pre-existing medical condition. SIGNS OR SYMPTOMS OF UNDIAGNOSED MEDICAL CONDITIONS If you are experiencing signs or symptoms of a medical condition at the time of purchasing your Comprehensive International Travel Insurance, but • you have not sought medical advice or a diagnosis; • you have not been diagnosed; • you are awaiting a specialist opinion; or • the signs and symptoms are under investigation, (collectively, undiagnosed medical condition) you cannot apply to include cover for the undiagnosed medical condition under your Comprehensive International Travel Insurance as a pre-existing medical condition. Examples of undiagnosed signs or symptoms include, but are not limited to, unexplained bleeding, persistent cough, or localised mass or growth. In these circumstances, the Pre-existing Medical Conditions exclusion will be applicable. Refer to the General Exclusions on pages 113 and 114 for more details. If after you have purchased your Comprehensive International Travel Insurance and the medical investigation of your signs or symptoms has been completed and a diagnosis has been made for those signs and symptoms, provided you have not started your journey, you can complete a pre-existing medical assessment relating to the signs or symptoms investigated. Please note that acceptance is not guaranteed. If accepted, an additional premium may apply. 62 PART C – COMPREHENSIVE

You cannot apply for cover of any pre-existing medical conditions: • which involve signs or symptoms you are aware of but which have not yet been diagnosed by a medical adviser, or which are under investigation, or are awaiting a specialist opinion; or • for any person who is not travelling with you on your journey and who will not be listed as an insured person on your Certificate of Insurance. WHAT HAPPENS ONCE YOU APPLY FOR COVER FOR A PRE-EXISTING MEDICAL CONDITION? Once you have completed our medical assessment, we will advise you of the outcome. Depending on your pre-existing medical condition(s), Allianz Global Assistance may either: a) agree in writing to include cover under your Comprehensive International Travel Insurance for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply); or b) decline to include cover under your Comprehensive International Travel Insurance for your pre-existing medical condition(s). Please note that if Allianz Global Assistance declines to provide you with cover for your pre-existing medical condition, you will still need to proceed with the activation process to be eligible for cover for events unrelated to your pre-existing medical condition. If you require cover for your medical condition there may be other options available such as: • contacting the Insurance Council of Australia (ICA) - the ICA provides a referral service which is available on their website at www.insurancecouncil.com.au. Select ‘Find an Insurer’ to view a list of general insurers who may be able to provide insurance to suit your requirements. If you have any other questions about pre-existing medical conditions, please call the sales and general enquiries number shown on the inside front cover of this document. 63 PART C – COMPREHENSIVE

TRAVEL DURING PREGNANCY If you know you are pregnant at the time of purchasing your Comprehensive International Travel Insurance, and: • you have had pregnancy complications* with this or a previous pregnancy; or • you are expecting more than one child, you will need to apply to include cover under the Comprehensive International Travel Insurance for claims arising directly or indirectly from your pregnancy by completing our medical assessment. Otherwise, you do not need to tell us about your pregnancy as your Comprehensive International Travel Insurance will automatically provide cover for pregnancy-related claims arising from an unforeseen event, as long as: • the event occurred prior to the 24th week of your pregnancy; and • it is not something excluded under the Comprehensive International Travel Insurance. This automatic cover will also apply if you become pregnant or discover you are pregnant after your Certificate of Insurance has been issued. Important: the cover provided under this Comprehensive International Travel Insurance in relation to pregnancy is for unforeseen events only. Even if Allianz Global Assistance has included cover under your Comprehensive International Travel Insurance for your pregnancy, this Comprehensive International Travel Insurance will never provide any cover for: • a pregnancy once it is 24 weeks or more gestation; or • any expenses for routine or regular antenatal care; or • childbirth at any stage of your pregnancy or costs relating to the care or health of a newborn child, other than as a result of an accident occurring prior to the 24th week of your pregnancy which: • causes you to give birth prematurely; or • requires you to be admitted to hospital beyond the 24th week of your pregnancy, during which time your child is born. *We define ‘pregnancy complications’ as meaning a medical condition for which the diagnosis is distinct from pregnancy but is caused by or adversely affected by pregnancy. 64 PART C – COMPREHENSIVE

Please ensure you read all the sections of the Comprehensive International Travel Insurance so that you are aware of the limitations and extent of the cover the Comprehensive International Travel Insurance provides. In particular, please consider the General Exclusions on pages 113 to 120 as well as Our Definitions on pages 135 to 144 of Part D. Useful Tips

It’s a good idea to make sure your doctor and/or midwife are aware of your travel plans.
Be aware that due to health and safety requirements, many airlines and ferry/cruise companies have their own restrictions regarding travel during pregnancy. Please note that their requirements may be different to the terms and conditions set out in this product.
Consider whether this insurance is appropriate for your needs if you are planning to travel beyond 24 weeks’ gestation. ACTIVITIES INCLUDED IN THIS PRODUCT This Comprehensive International Travel Insurance automatically provides cover for your participation in the activities listed under the ‘Included activities’ section during your journey. Additional activities are available in our Optional Covers section, if you purchase an upgrade to Comprehensive International Travel Insurance and the relevant pack. The Optional Covers section on pages 90 to 112 details the other activities for which cover can be purchased. Details of any Optional Cover you purchase will be shown on your Certificate of Insurance. 65 PART C – COMPREHENSIVE

It is important you are aware of the limitations and extent of cover this Comprehensive International Travel Insurance provides. Please ensure you read and consider: • information about the benefit under which your claim is made; • all the other sections of the Comprehensive International Travel Insurance ; • the General Exclusions on pages 113 to 120; and • Our Definitions on pages 135 to 144 of Part D. Included activities • aqua zorbing; • archery; • bar and restaurant work (excluding security or crowd control); • bicycling (excluding bicycle motocross (BMX) or downhill mountain biking); • bungee jumping or canyon swinging; • camel, donkey or elephant riding (under appropriate supervision); • dancing; • dog sledding; • diving underwater at a depth no greater than 10 metres; • diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia, or dive with an instructor licensed for these activities, and note that restrictions apply - refer to General Exclusion ‘Diving alone’ ); • fishing (on land or within 2 nautical miles of land); • fruit picking that does not involve the use of machinery; • go-karting; • golf; • gym activities (excluding powerlifting); • gymnastics (excluding competitions); • horse riding (excluding competitions, equestrian events, steeple chasing, jumping, or polo); • ice skating on a rink (excluding competitive skating, racing, speed skating, and tour skating); 66 PART C – COMPREHENSIVE

• leisure activities (meaning any activities involving minimal physical exertion that are undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits); • music and singing; • orienteering; • paintball (with eye protection); • racing on foot as an amateur, for distances up to and including full marathon (42.2 kilometres or 26.2 miles) and note that restrictions apply - refer to General Exclusions ‘Activities’ and ‘Professional sport’; • racing in a triathlon as an amateur, for distances up to and including a 1.5 kilometre swim, 40 kilometre bicycle ride and 10 kilometre run, and note that restrictions apply - refer to General Exclusions ‘Activities’ and ‘Professional sport’; • racquet and ball sports not involving physical contact; • regulated or licensed ballooning; • river cruising; • rockwall climbing (under appropriate supervision); • safari (under appropriate supervision, but not hunting); • sailing up to 10 nautical miles from land; • shark cage diving (subject to diving restrictions listed above); • shooting (fixed target only); • skateboarding, roller skating, inline skating (excluding vert skating or acrobatics); • snorkelling at a depth no greater than 10 metres; • soccer; • surface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals (see www.waterwaysguide.org.au/ GradingSystem); • surface water activities (other than sailing) up to 2 nautical miles off any land mass; • track and field athletics; and • walking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (excluding expeditions to or on the Kokoda Track/Trail). 67 PART C – COMPREHENSIVE

Policy Benefits The maximum amount we will pay for all claims combined under each benefit is shown in the Table of Benefits for Comprehensive International Travel Insurance on pages 53 to 55. Sub-limits (where applicable) are also shown in the Benefit sections that follow. Please ensure you also read all the other sections of the Comprehensive International Travel Insurance so that you are aware of the limitations and extent of the cover the Comprehensive International Travel Insurance provides. In particular, please consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 of Part D. In order to be sure that you are covered under this Comprehensive International Travel Insurance you should always contact Allianz Global Assistance for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. For information purposes only and not forming part of this Comprehensive International Travel Insurance, when you have purchased Comprehensive International Travel Insurance, you will retain access to the cover available under the Complimentary International Medical Travel Insurance via the Group Policy. For further information only and not forming part of the Comprehensive International Travel Insurance, this includes the following benefits available under the PDS for the Complimentary International Medical Travel Insurance: 1.1 Overseas Emergency Assistance (including Medical Evacuation & Repatriation) 1.2 Overseas Medical & Hospital Expenses (including Dental) 1.3 Funeral Expenses 6.1 Personal Liability 68 PART C – COMPREHENSIVE

Refer to the PDS for Complimentary International Medical Travel Insurance in Part B from page 9 for the cover available including what is and is not covered. Terms, conditions, limits, exclusions and applicable sub-limits apply.) 1.4 ACCIDENTAL DEATH 1.4.1 What we cover If, during the period of cover for your journey: a) you are injured and due to that injury you die within 12 months of it occurring; or b) something you are travelling on or in disappears, sinks or crashes and your body is not found within 12 months and you are presumed dead, we will pay the benefit limit payable under this benefit to your estate. The amount we will pay under this benefit is the benefit limit in the Table of Benefits for Comprehensive International Travel Insurance on page 54. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 1.5 PERMANENT DISABILITY 1.5.1 What we cover If you are injured during the period of cover for your journey; and a) due to that injury, you suffer permanent disability (permanent loss of all the sight in one or both eyes, or the use of a hand at or above the wrist or a foot at or above the ankle), within 12 months of the injury occurring; and b) your permanent disability continues for at least 12 consecutive months and at the expiry of that period, in the opinion of an appropriate medical specialist, is beyond hope of improvement, 69 PART C – COMPREHENSIVE

we will pay the benefit limit payable under this benefit to you. The amount we will pay under this benefit is the benefit limit in the Table of Benefits for Comprehensive International Travel Insurance on page 54. 1.5.2 What we do not cover To the extent permitted by law we will not pay if your permanent disability arises from, is related to or associated with your participation in snow sport activities or activities listed under Adventure Pack in the Optional Covers section. This exclusion applies even if you have purchased a Snow Pack or an Adventure Pack . Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 1.6 HOSPITAL CASH ALLOWANCE 1.6.1 What we cover If during the period of cover, you are admitted to hospital overseas for a period of more than 48 consecutive hours as a result of an injury or sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or pre-existing medical condition that we agreed in writing to cover, then we will pay you $50 for a Cardholder or $50 per person (up to a maximum limit of $100) for a Cardholder and Spouse for each consecutive night that you remain in hospital beyond the initial 48 consecutive hours. The maximum amount we will pay is the benefit limit shown in the Table of Benefits for Comprehensive International Travel Insurance. 1.6.2 What we do not cover To the extent permitted by law, we will not pay if you cannot claim for medical expenses connected with the hospital admission under Benefit 1.2 Overseas Medical & Hospital Expenses (including Dental). 70 PART C – COMPREHENSIVE

Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 2.1 CANCELLATION A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However, you are able to choose different levels of cover from the amounts available to you when you purchase your Comprehensive International Travel Insurance. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation . If you think that you may have to cancel or shorten your journey, you must tell us as soon as possible. Call us using the contact number shown on the inside front cover of this document, or the 24 hour emergency assistance number if you are still overseas. 2.1.1 What we cover If during the period of cover, your journey is cancelled, rescheduled or shortened because of circumstances that were not expected or intended by you and are outside your control (including if you or your travelling companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19) we will reimburse you: a) the non-refundable portion of unused travel and accommodation arrangements scheduled to be used by you during your journey, that you have paid in advance of cancellation and cannot recover in any other way, inclusive of: • your travel agent’s cancellation fees and any commission or service fees retained by your travel agent up to the amount of commission or service fees that your travel agent would have earned had your journey not been cancelled, limited to $1,500 for a Cardholder or $1,500 per person up to a maximum of $3,000 for a Cardholder and Spouse. 71 PART C – COMPREHENSIVE

b) for the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for or obtained with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows: i) for frequent flyer points, air miles or loyalty card points: • the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking, multiplied by • the total number of points or air miles lost, divided by the total number of points or air miles used to make the booking. ii) for vouchers, the face value of the voucher. If there is no face value on the voucher we pay the market value. c) your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under sub-sections 2.1.1 a) and b) had your journey been cancelled. We will not pay a claim under sub-section 2.1.1 c) in addition to a claim under sub-sections 2.1.1 a) and b) for the same arrangements. If during the period of cover for your journey a relative of yours who resides in Australia or New Zealand: • dies or is admitted to hospital in Australia or New Zealand as a result of a pre-existing medical condition, and • at the time of the issue of your Comprehensive International Travel Insurance you were, or a reasonable person in your circumstances would have been, unaware of the likelihood of their dying or being admitted to hospital, then, the most we will pay for all claims under sub- sections 2.1.1 a) and b) or sub-section 2.1.1 c) is $2,000 for a Cardholder or $2,000 per person up to a maximum of $4,000 for a Cardholder and Spouse. 72 PART C – COMPREHENSIVE

2.1.2 What we do not cover To the extent permitted by law we will not pay your claim if: a) you were aware, or a reasonable person in your circumstances would have been aware before your Comprehensive International Travel Insurance was issued, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b) caused by the death, injury or illness of any person, including a relative of yours or of your travel companion, who resides outside of Australia or New Zealand, unless they are listed as an insured person on your Certificate of Insurance; c) caused by the death, injury or illness of your relative arising from a pre-existing medical condition except as specified under sub-section 2.1.1 c) ; d) caused by you or your travel companion changing plans; e) caused by the breakdown or dissolution of any personal relationship; f) caused by any business, financial or contractual obligations which prevent you or your travel companion from travelling. This exclusion does not apply to claims where you or your travel companion are made redundant in Australia except where a reasonable person in a similar situation would have been aware before the Comprehensive International Travel Insurance was purchased that the redundancy was likely to occur; g) it arises as a result of a tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements which do not form part of the tour; h) caused by delays or rescheduling by a bus line, airline, shipping line or rail authority; i) caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; 73 PART C – COMPREHENSIVE

j) caused by the financial collapse or insolvency of any service provider; k) caused by the mechanical breakdown of any means of transport; l) caused by an act of terrorism; or m) you are a full-time permanent employee and your pre-arranged leave is cancelled by your employer unless you are a full-time member of the Australian Defence Force or of federal, state or territory emergency services. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 3.1 ADDITIONAL EXPENSES We will reimburse reasonable additional travel and accommodation expenses if you or your travel companion cannot continue your journey, need to return to Australia, or your journey is otherwise disrupted due to any of the events described under subsections 3.1.1 a) to f) . Explanation – Travel expenses & Accommodation expenses • Travel expenses refers to expenses directly related to transport, such as airfares, rail fares, bus fares, taxi fares, and rideshare services. • Accommodation expenses refers to the room rate of a hotel or any other kind of lodging for which you make a reservation and does not include expenses such as meals, drinks, room service, and laundry. 74 PART C – COMPREHENSIVE

3.1.1 What we cover a) Additional travel & accommodation expenses due to your incapacity If you cannot continue your journey because of an injury, sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19) or pre-existing medical condition (that we have approved cover for in writing) that needs immediate and continued treatment from a medical adviser and is covered by this Comprehensive International Travel Insurance, we will reimburse your reasonable additional travel and accommodation expenses. To provide proof of incapacity and inability to travel, where reasonably practicable, you should obtain written confirmation from the treating medical adviser. Please call Allianz Global Assistance to confirm approval for these expenses. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. Such approval will not be unreasonably withheld or delayed. b) Additional travel & accommodation expenses due to your travel companion’s incapacity If your travel companion cannot continue their journey because of an injury or sickness (including if your travelling companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19) (but not a pre- existing medical condition) that needs immediate and continued treatment from a medical adviser and would be covered by this Comprehensive International Travel Insurance, we will reimburse your reasonable additional travel and accommodation expenses for you to remain with your travel companion. To provide proof of your travel companion’s incapacity and inability to travel, where reasonably practicable, they should obtain written confirmation from their treating medical adviser. Please call Allianz Global Assistance to confirm approval for these expenses. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. Such approval will not be unreasonably withheld or delayed. 75 PART C – COMPREHENSIVE

c) Emergency travel & accommodation expenses for a necessary companion If during the period of cover available for your journey, you are admitted to hospital with a life threatening or other serious medical condition covered by this Comprehensive International Travel Insurance, or are evacuated for medical reasons covered by your Comprehensive International Travel Insurance, we will reimburse the reasonable travel and accommodation expenses for a relative or friend to travel to you, stay near you, or escort you. The relative or friend must travel to you, stay near you, or escort you on the recommendation of your treating medical adviser and with the prior agreement of Allianz Global Assistance for which approval will not be unreasonably withheld or delayed. Please call Allianz Global Assistance for approval before any expenses are incurred. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. d) Return home on medical advice If you shorten your journey and return to Australia on the advice of your treating medical adviser and with the approval of Allianz Global Assistance, such approval will not be unreasonably withheld or delayed, we will reimburse your reasonable additional travel and accommodation expenses. We will only pay the cost of the fare class that you had originally planned to return home on and you must take advantage of any pre-arranged return travel to Australia. Please call Allianz Global Assistance to confirm approval for these expenses. e) Return home due to relative’s death or hospital admission If you need to return to Australia earlier than planned because, during the period of cover for your journey: • your travel companion dies unexpectedly or is admitted to hospital as a result of a serious injury or illness; or • a relative of yours or of your travel companion, who resides in Australia or New Zealand dies unexpectedly or is admitted to hospital in Australia or New Zealand as a result of a serious injury or illness, 76 PART C – COMPREHENSIVE

we will reimburse your reasonable additional travel and accommodation expenses up to the limit shown in the Table of Benefits on page 54, except if the death, injury or illness arises from a pre-existing medical condition. If the death, injury or illness arises from a pre-existing medical condition, the most we will pay for all claims under subsection 3.1.1. e) will be $2,000 for a cardholder or $2,000 per person to a maximum total limit of $4,000 for a cardholder travelling with their spouse, but only if at the time of issue of your Comprehensive International Travel Insurance you were, or a reasonable person in your circumstances would have been, unaware of the likelihood of their dying or being admitted to hospital. Please call Allianz Global Assistance to confirm approval for these expenses. f) Additional travel and accommodation expenses due to specified events If a disruption to your journey arises from any of the following reasons during the period of cover: • your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; • you unknowingly break any quarantine rule; • you lose your passport, travel documents or transaction cards or they are stolen; or • you need to return to Australia early because your home is rendered uninhabitable by fire, explosion, earthquake or flood, we will reimburse your reasonable travel and accommodation expenses. We will only pay the fare class that you had originally planned to travel on and you must take advantage of any prearranged travel. Please call Allianz Global Assistance to confirm approval for these expenses. 77 PART C – COMPREHENSIVE

If we pay your claim for additional travel expenses to return to your home and you do not have a return ticket booked to Australia before the event causing your claim occurred, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from. The fare will be at the same fare class as the one you left Australia on. Whenever claims are made by you under Benefits 3.1 Additional Expenses and 2.1 Cancellation for cancelled services/ facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. Note: If Allianz Global Assistance arranges your travel or accommodation under Benefit 3.1 Additional Expenses, any claim payable to you under 2.1 Cancellation for the same or similar services/facilities will be reduced by the amount Allianz Global Assistance incurred in arranging your travel or accommodation. Example – Additional Expenses vs Cancellation An unforeseen medical event means you need to change your journey. Your original trip costs are: • Flights $2,000 • Accommodation $1,000 To continue your journey you need to spend $2,500 for new flights and $500 on accommodation. Your airline gives you a full refund for the original flights and you are only able to get a $250 refund on your accommodation. Allowable claim: • Flights $500 - new flights $2,500 less refund of $2,000 from original flights • Accommodation $750 - original accommodation of $1,000 less $250 is higher than new accommodation of $500. Your claimable amount will be $1,250. This will put you back in your original financial position. Note that any applicable excess will be deducted from the claimable amount. 78 PART C – COMPREHENSIVE

3.1.2 What we do not cover To the extent permitted by law, we will not pay your claim if: a) you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before your period of cover commenced, that may cause your journey to be cancelled, disrupted or delayed; b) caused by the death, injury or illness of your relative arising from a pre-existing medical condition, except as specified under sub-section 3.1.1 e) ; c) you can recover your additional travel and accommodation expenses from anyone else. If you are not paid the full amount of your claim, we will make up the difference, up to the amount this Comprehensive International Travel Insurance covers your for; d) your claim relates to the financial collapse or insolvency of any service provider; e) caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; f) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; or g) your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental vehicle agreement. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 79 PART C – COMPREHENSIVE

3.2 TRAVEL DELAY EXPENSES 3.2.1 What we cover If circumstances outside your control result in an unexpected delay to your journey of at least 6 consecutive hours during the period of cover, we will reimburse your reasonable additional meals and accommodation expenses. We will pay up to $300 for a cardholder or $300 per person for a cardholder travelling with their spouse (up to a maximum limit of $600) after the initial 6 consecutive hour delay, as well as for each subsequent consecutive 24 hours that the delay continues. Explanation - Accommodation expenses refers to the room rate of a hotel or any other kind of lodging for which you make a reservation and does not include expenses such as room service and laundry. 3.2.2 What we do not cover To the extent permitted by law we will not pay if a delay to your journey: a) arises from an act of terrorism; or b) is caused by the financial collapse or insolvency of any service provider. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 3.3 ALTERNATIVE TRANSPORT EXPENSES 3.3.1 What we cover If your scheduled transport is cancelled, delayed, shortened or diverted during the period of cover and that means you would not arrive on time to a wedding, funeral, prepaid airline/rail travel, pre-paid tour/cruise, pre-paid conference, pre-paid sporting event, pre-paid 80 PART C – COMPREHENSIVE

concert/cultural event or pre-paid accommodation which, before you left Australia, you had planned to attend or utilise while you are overseas, we will pay your reasonable additional travel expenses to enable you to arrive on time. Explanation - Travel expenses refers to expenses directly related to transport, such as airfares, rail fares, bus fares, taxi fares, and rideshare services. 3.3.2 What we do not cover To the extent permitted by law we will not pay if the cancellation, delay, shortening or diversion: a) arises from an act of terrorism; or b) is caused by the financial collapse or insolvency of any service provider. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 4.1 LUGGAGE, PERSONAL EFFECTS & VALUABLES You must take all reasonable precautions to safeguard your luggage and personal effects and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a public space: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not named on your Certificate of Insurance, or who is not a travelling companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your luggage and personal effects or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them. 81 PART C – COMPREHENSIVE

4.1.1 What we cover a) Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they are stolen, accidentally damaged or are permanently lost, unless they are: • left in any vehicle (other than as stated in sub-section 4.1.1 c) ); or • sporting equipment while it is in use; or • valuables which have been: – left in a vehicle at any time (even if they were in a concealed storage compartment), or – checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus, including any loss or damage which occurs during the time after check-in but prior to you collecting your items from the designated collection area, in which case no cover will be provided under this benefit. The amount we will pay will be the lesser of: • the depreciated value after allowing for age, wear and tear (see the Depreciation section on pages 129 and 130 for more detail); • the original purchase price; the replacement cost; or • the repair cost, limited to a maximum amount for any one item of: • $3,000 for personal computers, tablets, cameras or video cameras; • $1,000 for mobile phones (including smart phones and any items with phone capabilities); or • $750 for all other items (including jewellery and watches), up to the benefit limit shown in the Table of Benefits for your Comprehensive International Travel Insurance on page 55. We will not apply depreciation to any item we pay for where less than 12 consecutive months have elapsed since the item was purchased new. 82 PART C – COMPREHENSIVE

A pair or related set of items are considered to be only one item for the purpose of this insurance and the relevant single item limit will be applied. For example: a pair or related set of items could include, but not be limited to, the following: • a camera, lenses (attached or not), tripod and accessories; • a matched or unmatched set of golf clubs, golf bag and buggy; or • a pair of earrings. b) If you have purchased the optional Increased Item Limits Cover, the item limits set out in sub-section 4.1.1 a) will not apply to those item types shown on your Certificate of Insurance. Depreciation will also not be applied to any item types for which you have purchased Increased Item Limits Cover. The maximum amount we will pay for any one item (including a pair or related set of items as shown in the example in sub-section 4.1.1 a) ) is up to the increased item limit shown on your Certificate of Insurance. The maximum we will pay for all claims combined under Benefit 4.1 Luggage, Personal Effects & Valuables is the benefit limit shown in the Table of Benefits for this Comprehensive International Travel Insurance on page 55, even if you have purchased Increased Item Limits Cover . c) Any luggage and personal effects left in a vehicle will only be covered during daylight hours and only if the items were placed in a concealed storage compartment of a locked vehicle. In the event of theft, forced entry must have been made to the vehicle. The most we will pay in the event of a payable claim under 4.1.1 c) is $200 for each item, and $2,000 in total for all stolen items, even if you have purchased the optional Increased Item Limits Cover. No cover is available for valuables left in a vehicle at any time. The maximum amount we will pay for all claims combined under this benefit is the benefit limit shown in Table of Benefits , even if you have purchased the optional Increased Item Limits Cover . 83 PART C – COMPREHENSIVE

We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to. This may be the easiest way to provide evidence of the loss or theft. We may be entitled to reduce your claim if you unreasonably delay or fail to make a report. A reduction in your claim may occur to the extent of the amount of prejudice we have suffered caused by your delay. 4.1.2 What we do not cover To the extent permitted by law, we will not pay a claim in relation to your luggage and personal effects or valuables if: a) the loss, theft or damage is to, or of, items which have been left behind in any aircraft, ship, train, tram, taxi, ride share or bus, or in any hotel or motel room after you have checked out; b) the luggage and personal effects or valuables were being sent unaccompanied by you or under a freight contract; c) the loss or damage arises from any process of cleaning, repair or alteration; d) the loss or damage arises from ordinary wear and tear, inherent defect, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e) you do not take all reasonable precautions to safeguard your luggage and personal effects or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a public space: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not named on your Certificate of Insurance, or who is not a travelling companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your luggage and personal effects or valuables). 84 PART C – COMPREHENSIVE

This includes forgetting or misplacing any items, leaving them behind or walking away from them; f) the luggage and personal effects or valuables have an electrical or mechanical breakdown; g) the damage relates to: • items which are fragile or brittle; • cracking or breakage of the screen of mobile phones, smart watches, laptops or tablets; or • an electronic component which is broken or scratched, other than where: • the item is the lens of spectacles, binoculars or photographic or video equipment; or • the damage was caused by a crash involving a vehicle or carrier in which you are travelling; or h) you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover in the Table of Benefits (allowing for depreciation due to age, wear and tear if. See the Depreciation section on pages 129 and 130 for more details.). Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 4.2 LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES 4.2.1 What we cover If during the period of cover your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours (except on the final leg of your journey to your home), we will reimburse you for the reasonable expenses you incur up to the amount shown in Table of Benefits to purchase essential items of clothing or other personal items. 85 PART C – COMPREHENSIVE

You should make reasonable efforts to obtain confirmation from the carrier who was responsible for your luggage and personal effects confirming that your items were delayed, misdirected or misplaced. This may be the easiest way to provide evidence of the delay. If your items are not returned to you and are considered to be permanently lost, we will deduct the amount we have paid you under this benefit from any payable claim you have made under Benefit 4.1 Luggage, Personal Effects & Valuables for those items. 4.2.2 What we do not cover To the extent permitted by law, we will not pay if you are entitled to compensation from the carrier you were travelling on for the relevant amount claimed. However, if you are not reimbursed the full amount, we will pay the difference between the amount of your expenses and what you were reimbursed, up to the limit of your cover. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 4.3 TRAVEL DOCUMENTS, TRANSACTION CARDS & TRAVELLERS CHEQUES 4.3.1 What we cover If during the period of cover for your journey, you lose any essential travel documents (including passports), transaction cards or travellers cheques, or they are stolen from you or destroyed, we will reimburse you up to the amount shown in Table of Benefits for: • the issuer’s fees for any replacement costs (including communication costs) of the items which have been lost, stolen or destroyed; and/or 86 PART C – COMPREHENSIVE

• any loss resulting from fraudulent use of your lost or stolen transaction cards or travellers cheques other than those amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques. Where reasonably practicable, we expect you to report any loss or theft to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued. You should make reasonable efforts to obtain confirmation from whoever you made the report to. This may be the easiest way to provide evidence of the loss or theft. We may be entitled to reduce your claim if you unreasonably delay or fail to make a report. A reduction in your claim may occur to the extent of the amount of prejudice we have suffered caused by your delay. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 4.4 THEFT OF CASH 4.4.1 What we cover If cash, bank notes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we will reimburse you up to the amount shown in Table of Benefits for the Comprehensive International Travel Insurance on page 55. Where reasonably practicable, we expect you to report the theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to. This may be the easiest way to provide evidence of the theft. 87 PART C – COMPREHENSIVE

We may be entitled to reduce your claim if you unreasonably delay or fail to make a report. A reduction in your claim may occur to the extent of the amount of prejudice we have suffered caused by your delay. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 5.1 RENTAL VEHICLE EXCESS This cover will apply if: • you hire a rental vehicle from a rental company or agency; • you are a nominated driver on the rental vehicle agreement; and • the rental vehicle agreement offered by the rental company or agency specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. This Benefit only provides cover for the amount specified in your rental vehicle agreement that you are responsible to pay if you are involved in an accident or the rental vehicle is stolen. Please carefully read the rental vehicle agreement and the options available to limit the amount you are responsible for. The rental vehicle agreement may also contain conditions or exclusions that you need to be aware of. This Benefit may not provide cover for items, such as but not limited to, tyres, rims, windscreens, glass, roof and/or underbody if damage to these items is in addition to the specific amount shown in your rental vehicle agreement that you are responsible to pay for damage or theft. 88 PART C – COMPREHENSIVE

5.1.1 What we cover a) Rental vehicle accident/theft If, during the period of cover for your journey, the rental vehicle is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody, we will pay you the lesser of: • the amount specified that you are liable to pay under your rental vehicle agreement; or • the cost of property damage for which you are liable, up to the limit shown in the Table of Benefits for Comprehensive International Travel Insurance on page 55. To support your claim, you will need to take reasonable steps to provide: • your rental vehicle agreement; • the incident report that was completed; and • written confirmation from the rental company or agency of the amount for which you are liable. You may also need to provide: • the repair account and invoice from the motor vehicle repairer (if available to you); and • an itemised list of the value of the damage. b) Return of rental vehicle due to incapacity If you are incapacitated during the period of cover for your journey by an event covered by this policy, and a treating medical adviser diagnoses you as unfit to return the rental vehicle to the nearest depot, we will pay up to the amount shown in the Table of Benefits for Comprehensive International Travel Insurance on page 55, for the cost of returning the rental vehicle. 89 PART C – COMPREHENSIVE

5.1.2 What we do not cover To the extent permitted by law, we will not pay for a claim which arises from, or is for: a) any damage or theft caused by you using the rental vehicle in breach of the terms of the rental agreement; b) you using the rental vehicle without a licence for the purpose you were using it (such as carrying freight or passengers for payment); c) any loss or damage involving an unauthorised driver; d) costs other than those specified in sub-section 5.1.1 a) or b) ; or e) diminishment of value, depreciation, administration charges or other fees or any loss of use penalties charged by the rental company or agency. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. OPTIONAL COVERS You may also be able to add one or more of our optional covers to your Comprehensive International Travel Insurance. Please read about the available options on pages 90 to 112 for information on how to: • include cover for additional activities by purchasing an optional pack. • increase the standard item limits which apply to your luggage, personal effects and valuables. • vary the base excess amount which applies to your Comprehensive International Travel Insurance. Any optional covers you purchase will be shown on your Certificate of Insurance. 90 PART C – COMPREHENSIVE

Please ensure you read this section in full, as well as all the sections of the Comprehensive International Travel Insurance, so that you are aware of the limitations and extent of the cover this product provides. In particular, please consider the General Exclusions on pages 113 to 120 as well as Our Definitions on pages 135 to 144 in Part D. Cover for additional activities If your travel plans include an activity not listed in the section Activities included in this Product on pages 65 to 67, you may wish to purchase one of our optional packs. Our Adventure Pack, Cruise Pack and Snow Pack are detailed on pages 91 to 112, and are available for purchase with a Comprehensive International Travel Insurance. Age and cover restrictions, as well as an additional $500 excess, apply to our Adventure Pack and Snow Pack . Adventure Pack Our Adventure Pack provides cover for your participation in the activities listed on page 92, in addition to the activities listed in the section Activities Included in this Product on pages 65 to 67. If you purchase the Adventure Pack , it will be shown on your Certificate of Insurance. You must be aged under 81 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack. • No cover will apply under Benefits 1.5 Permanent Disability in the Comprehensive International Travel Insurance or Benefit 6.1 Personal Liability in the Complimentary International Travel Insurance for any claims arising from, or in any way connected with you participating in any of the activities listed in the Adventure Pack . • An excess of $500, which is in addition to any base excess, will apply to any claims made under Benefits 1.2 Overseas Medical & Hospital Expenses (including Dental) or 2.1 Cancellation which arise from, or are in any way connected with you participating in any of the Adventure Pack listed activities. You cannot pay to remove this excess. 91 PART C – COMPREHENSIVE

Covered adventure activities • abseiling; • animal conservation and handling (under appropriate supervision); • battle re-enactment (but not with firearms); • cave/river tubing; • caving/potholing; • contact sports (including any form of rugby, Australian Rules football or American football); • deep sea fishing; • diving underwater using an artificial breathing apparatus at a depth more than 10 metres no greater than 30 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities and note that restrictions apply - refer to General Exclusions ‘Activities’ and ‘Diving alone’); • expeditions to or on the Kokoda Track/ Trail; • flying fox/zip lining; • hiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not required; • martial arts; • motorcycles, mopeds or motorised scooters – including as the driver or as a pillion passenger (see below); • outdoor rock climbing (with ropes and appropriate safety gear); • quad bike riding -but only single rider (see below); • sailing from 11 to 15 nautical miles from land; • shooting (moving target - eg. clay pigeon), but not hunting; • surface water activities in rivers or rapids graded IV or V under the International Scale of River Difficulty (see www.waterwaysguide.org.au/GradingSystem); • tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities). 92 PART C – COMPREHENSIVE

Even if you purchase the Adventure Pack , you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if: • you hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not recognised in that country; • when you are riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it is being ridden in. However, this restriction will not apply if it is reasonable that you did not know that the driver was not licensed and no exclusion applies to the circumstances of your claim; • you are the driver of a quad bike and you are not carrying a pillion passenger – there is also no cover if you ride as a pillion passenger on a quad bike; • you wear an appropriate safety helmet at all times; and • you are not participating in any race or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity. Optional Covers - Cruise Pack and Snow Pack Policy Benefits The maximum amount we will pay for all claims combined under each benefit is shown in the Table of Benefits section. Your Certificate of Insurance will also show the Optional Covers you are covered for. Please ensure you also read all the sections of this Comprehensive International Travel Insurance so that you are aware of the limitations and extent of the cover the policy provides. In particular, please consider the General Exclusions on pages 113 to 120 as well as Our Definitions on pages 135 to 144 in Part D. 93 PART C – COMPREHENSIVE

Cruise Pack Our Cruise Pack provides cover for you to participate in sea and ocean cruising while you are overseas. Please refer to the definition of ‘Cruise or cruising’ in Our Definitions on page 137 in Part D. The Cruise Pack Table of Benefits on page 56 sets out the benefits that apply to the optional Cruise Pack and the maximum amount we will pay for all claims combined under each benefit. For full details of the cover provided, see the Optional Covers - Cruise Pack Policy Benefits 7.1 – 7.7 . You cannot purchase any benefits of the Cruise Pack individually. If you purchase the Cruise Pack , it will be shown on your Certificate of Insurance. You will not need to purchase a Cruise Pack if: • you will only be participating in river cruising - this activity is automatically covered in the section Activities included in this Product on pages 65 to 67; or 7.1 MEDICAL COVER WHILE CRUISING You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 7.1.1 What we cover a) If while on your cruise during the period of cover, you injure yourself, or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), we will reimburse the reasonable medical or hospital expenses you incur until you return to Australia provided the relevant injury or sickness is covered by your policy. The medical or hospital expenses must have been incurred for treatment given or prescribed by a medical adviser. 94 PART C – COMPREHENSIVE

b) If during the period of cover, you require treatment while on a cruise, for a pre-existing medical condition for which we have agreed in writing to provide cover, we will reimburse the reasonable medical or hospital expenses you incur until you return to Australia. The medical or hospital expenses must have been incurred for treatment given or prescribed by a medical adviser; however we will not pay for the cost of medication you were on, or the cost of a course of treatment you were receiving at the time your journey began. We will pay for treatment received and/or hospital accommodation you require until either: • you return to Australia; or • a maximum period of 12 consecutive months after the sickness first presented itself, or the injury occurred, or the pre-existing medical condition we agreed in writing to cover required treatment, has been reached, whichever happens first. If after assessment of your claim, the reasonable medical advice indicates that you should return to Australia for treatment and you do not agree to do so, we will pay you a reasonable amount up to the limit shown under the Cruise Pack Table of Benefits , equivalent to: • your medical expenses and/or related costs incurred overseas, including those incurred while on-board the cruise, until the date that we would have been able to reasonably facilitate your return to Australia; plus • the reasonable amount it would cost to facilitate your return to Australia; plus • the non-refundable portion of unused travel and accommodation arrangements you would have lost had you followed the advice of Allianz Global Assistance. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. 95 PART C – COMPREHENSIVE

Dental Treatment while Cruising Subject to the conditions above, we will cover dental expenses that are: Due to an injury: due to an injury if you are involved in an accident while you are on your cruise and require treatment as provided under sub-section 7.1.1 . We will also pay the necessary costs incurred on the cruise and/ or overseas to repair damage to your teeth caused by injuries you sustained in the accident. Due to sudden onset of pain: due to sudden onset of dental pain that requires urgent treatment while you are on your cruise. For cover to apply: • the tooth or teeth being treated must be healthy natural teeth (including teeth restored with fillings) with no impairment, periodontal or other conditions; and • the treatment is prescribed by the treating dentist solely for the immediate relief of sudden and acute onset of pain due to either an infection or you biting on something which caused the tooth to chip or break. 7.1.2 What we do not cover To the extent permitted by law, we will not pay for costs or expenses: a) when you have not notified Allianz Global Assistance as soon as practicable of your admittance to hospital; b) that relate to treatment exceeding more than 2 weeks by a dentist unless approved by Allianz Global Assistance, such approval shall not be unreasonably withheld or denied. Please contact Allianz Global Assistance to obtain approval for these costs; c) that you would not have incurred had you followed the reasonable advice of Allianz Global Assistance unless you can show the expense was necessarily incurred in circumstances beyond your control; d) for damage to dentures, dental prostheses, bridges or crowns; e) relating to dental treatment involving the use of precious metals or for cosmetic dentistry; 96 PART C – COMPREHENSIVE

f) for dental treatment caused by or related to the deterioration and/or decay of teeth; or g) for preventative dental treatment. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.2 EVACUATION COVER - SHIP TO SHORE You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 7.2.1 Emergency arrangements Allianz Global Assistance will arrange and pay the cost of the following assistance services if, while onboard a cruise during the period of cover you injure yourself, or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or require treatment for a pre-existing medical condition that we have agreed in writing to cover, provided the relevant injury, or sickness, or pre-existing medical condition is covered by the policy: a) access to a medical adviser for emergency medical treatment; b) any messages which need to be passed on to your family or employer in the case of an emergency, as well as contacting relevant embassies and consulates if required; c) provision of any written guarantees for payment of reasonable expenses for emergency hospital admission while on a cruise or overseas; d) your medical transfer or evacuation if you must be transported to the nearest overseas hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision; and e) the return to Australia of your dependants if they are left without supervision following your hospital admission or evacuation. 97 PART C – COMPREHENSIVE

In addition: f) if you die while on a cruise as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or a pre-existing medical condition that we have agreed in writing to cover, during the period of cover for your cruise, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we will pay is the sub-limit shown in the Cruise Pack Table of Benefits for Evacuation Cover – Ship to Shore . Please note that we will not pay for any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral service. 7.2.2 What we do not cover To the extent permitted by law, we will not pay: a) for any expenses for medical evacuation, funeral expenses incurred overseas or bringing your remains back to your home unless it has been approved by Allianz Global Assistance, such approval will not be unreasonably withheld or delayed. Please contact Allianz Global Assistance to confirm approval for these expenses; b) for costs and expenses that you would not have incurred had you followed reasonable medical advice. This includes any subsequent medical, hospital or evacuation expenses incurred when you did not follow the reasonable medical advice. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.3 CABIN CONFINEMENT You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 98 PART C – COMPREHENSIVE

7.3.1 What we cover If while onboard a cruise during the period of cover, you are confined to your cabin or in a medical facility for a period of more than 48 consecutive hours due to an injury, or sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or pre-existing medical condition that we agreed in writing to cover, that you suffer during the period of cover for your journey, we will pay you $50 for a cardholder or $50 per person up to $100 for a cardholder and spouse for each 24 consecutive hours that you continue to be confined beyond the initial 48 consecutive hours up to the benefit limit shown in the Cruise Pack Table of Benefits . Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.4 PRE-PAID SHORE EXCURSION CANCELLATION You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 7.4.1 What we cover If while onboard a cruise during the period of cover, you are confined to your cabin or in a medical facility as a result of circumstances outside your control (including if you or your travelling companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), and cannot participate in your pre-paid shore excursion(s), we will reimburse you the non-refundable portion of your shore excursion costs which you had paid in advance of cancellation. Please ensure you also read all the sections of the Comprehensive International Travel Insurance
in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 99 PART C – COMPREHENSIVE

7.5 FORMAL WEAR - CRUISE You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 7.5.1 What we cover Cover is provided for your formal wear if, during the period of cover for your journey, it is stolen, accidentally damaged or is permanently lost. The amount we will pay will be the lesser of: • the depreciated value after allowing for age, wear and tear (see the Depreciation section on pages 129 and 130 for more detail); • the original purchase price; • the replacement cost; or • the repair cost, up to the limit shown in the Cruise Pack Table of Benefits . We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to. This may be the easiest way to provide evidence of the loss or theft. We may be entitled to reduce your claim if you unreasonably delay or fail to make a report. A reduction in your claim may occur to the extent of the amount of prejudice we have suffered caused by your delay. 7.5.2 What we do not cover To the extent permitted by law, we will not pay a claim in relation to your formal wear if: a) the loss, theft or damage is to, or of, formal wear left behind in any aircraft, ship, train, tram, taxi or bus, or in any hotel or motel room after you have checked out, or in your cabin after you have disembarked at the end of your cruise; b) the formal wear was being sent unaccompanied by you or under a freight contract; c) the loss or damage arises from any process of cleaning, repair or alteration; 100 PART C – COMPREHENSIVE

d) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e) you did not take all reasonable precautions to safeguard the formal wear. For example, you will not be taking reasonable precautions if you leave your belongings in a public space: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not named on your Certificate of Insurance, or who is not a travelling companion or a relative (or if these persons fail to safeguard your luggage). This includes forgetting or misplacing any items, leaving them behind or walking away from them; or f) you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.6 FORMAL WEAR DELAY EXPENSES You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 7.6.1 What we cover If you need to purchase or hire replacement formal wear because while on the outbound section of your journey during the period of cover, your formal wear is delayed, misdirected, or misplaced for more than 12 consecutive hours from the time you boarded your cruise, we will reimburse you for the reasonable purchase or hire costs you incur. 101 PART C – COMPREHENSIVE

7.6.2 What we do not cover To the extent permitted by law, we will not pay if you are entitled to compensation from the carrier you were travelling on for the relevant amount claimed. However, if you are not reimbursed the full amount, we will pay the difference between the amount of your expenses and what you were reimbursed, up to the limit of your cover. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.7 MARINE RESCUE DIVERSION You have this cover if you purchased the optional Cruise Pack . See the Optional Covers section for details. 7.7.1 What we cover In the event your cruise is required to divert from its scheduled course in order to carry out a marine rescue in accordance with obligations under international conventions governing the Law of the Sea, and Search and Rescue during the period of cover, we will pay you up to the limit shown in the Cruise Pack Table of Benefits for each day your cruise is diverted, up to a maximum of 5 consecutive days. Please ensure you also read all the sections of the Comprehensive International Travel Insurance
in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 102 PART C – COMPREHENSIVE

Snow Pack You must be aged under 81 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack. Our Snow Pack provides cover for you to participate in snow sport activities. Please refer to the definition of ‘Snow sport activities’ in Our Definitions on page 144. The Table of Benefits sets out the benefits that apply to the optional Snow Pack and the maximum amount we will pay for all claims combined under each benefit. For full details of the cover provided, see the Optional Covers - Snow Pack Policy Benefits 7.8 – 7.13 . You cannot purchase any benefits of the Snow Pack individually. If you purchase the Snow Pack , it will be shown on your Certificate of Insurance. The Table of Benefits is a summary only. Please carefully read this Comprehensive International Travel Insurance in full to ensure you understand the extent of cover provided and limitations (including sub-limits) that apply. • No cover will apply: • for any form of racing, acrobatics, jumping, stunting, aerial or freestyle activities, or competing in a professional capacity; • if you participate in snow sport activities which involve you going off-piste or back-country; or • under Benefits 1.5 Permanent Disability in the Comprehensive International Travel Insurance or 6.1 Personal Liability in the Complimentary International Medical Travel Insurance for any claims arising from, or in any way connected with you participating in snow sport activities. • An excess of $500, which is in addition to any base excess, will apply to any claims made under Benefits 1.2 Overseas Medical & Hospital Expenses (including Dental) or 2.1 Cancellation which arise from, or are in any way connected with you participating in snow sport activities. You cannot pay to remove this excess. • There is no cover under Benefit 7.8 Overseas Emergency Snow Sport Assistance while travelling in Australia. 103 PART C – COMPREHENSIVE

7.8 OVERSEAS EMERGENCY SNOW SPORT ASSISTANCE You only have this cover if you purchased the optional Snow Pack . See the Optional Covers section for details. 7.8.1 Emergency arrangements Allianz Global Assistance will arrange and pay the cost of the following assistance services if while participating in snow sport activities overseas during the period of cover for your journey, you injure yourself, or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or require treatment for a pre-existing medical condition that we have agreed in writing to cover, provided the relevant injury, or sickness, or preexisting medical condition is covered by your policy: a) access to a medical adviser for emergency medical treatment while overseas; b) any messages which need to be passed on to your family or employer in the case of an emergency, as well as contacting relevant embassies and consulates if required; c) provision of any written guarantees for payment of reasonable expenses for emergency hospital admission while overseas; d) your medical transfer or evacuation if you must be transported to the nearest overseas hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision; and e) the return to Australia of your dependants if they are left without supervision following your hospital admission or evacuation. In addition: f) if you die as a result of an injury, or a sickness, or pre-existing medical condition that we have agreed in writing to cover, during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we will pay is the limit shown in the table of benefits for Overseas Emergency Snow Sport Assistance . 104 PART C – COMPREHENSIVE

Please note that we will not pay for any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral service. 7.8.2 What we do not cover To the extent permitted by law, we will not pay: a) for any expenses for medical evacuation, funeral expenses incurred overseas or bringing your remains back to your home unless it has been approved by Allianz Global Assistance, such approval will not be unreasonably withheld or delayed. Please contact Allianz Global Assistance to confirm approval for these expenses; b) for costs and expenses that you would not have incurred had you followed reasonable medical advice. This includes any subsequent medical, hospital or evacuation expenses incurred when you did not follow the reasonable medical advice; c) if your claim arises from bobsleighing, snow rafting, parapenting, ski acrobatics, ski or snowboard jumping, aerial skiing, stunting, freestyle, skijoring or any form of power-assisted skiing or use of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designed for recreational skiing; or d) for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 105 PART C – COMPREHENSIVE

7.9 OWN SNOW SPORT EQUIPMENT You only have this cover if you purchased the optional Snow Pack . See the Optional Covers section for details. 7.9.1 What we cover a) Cover is provided for your snow sport equipment if, during the period of cover for your journey, it is stolen, accidentally damaged or is permanently lost unless: • it is left in any vehicle (other than as stated in sub-section 7.9.1 b) ); or • it is in use, in which case no cover will be provided under this benefit. The amount we will pay, will be the lesser of: • the original purchase price; • the replacement cost; or • the repair cost up to the benefit shown in the Snow Pack Table of Benefits . b) Any snow sport equipment left in or on a vehicle will only be covered during daylight hours, and only if the items were: • placed in a concealed storage compartment of a locked vehicle or, where this is not possible; • securely locked to the luggage/ski racks fitted to the roof of a locked vehicle. In the event of theft, forced entry must have been made to the vehicle or, where the items were securely locked to the luggage/ski racks, leaving evidence of damage to the locking mechanism. The most we will pay in the event of a payable claim under 7.9.1 b) is $200 for each item, and $1,000 in total for all stolen items. We expect you to report the loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to. 106 PART C – COMPREHENSIVE

This may be the easiest way to provide evidence of the loss or theft. We may be entitled to reduce your claim if you unreasonably delay or fail to make a report. A reduction in your claim may occur to the extent of the amount of prejudice we have suffered caused by your delay. 7.9.2 What we do not cover To the extent permitted by law, we will not pay a claim in relation to your snow sport equipment if: a) the loss, theft or damage is to, or of, snow sport equipment left behind in any aircraft, ship, train, tram, taxi or bus, or in any hotel or motel room after you have checked out; b) the snow sport equipment was being sent unaccompanied by you or under a freight contract; c) the loss or damage arises from any process of cleaning, repair or alteration; d) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e) you did not take all reasonable precautions to safeguard the snow sport equipment. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly space: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not named on your Certificate of Insurance, or who is not a travelling companion or a relative (or these persons fail to take all reasonable precautions to safeguard your luggage). This includes forgetting or misplacing any items, leaving them behind or walking away from them; f) you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover. 107 PART C – COMPREHENSIVE

Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.10 SNOW SPORT EQUIPMENT HIRE You only have this cover if you purchased the optional Snow Pack . See the Optional Covers section for details. 7.10.1 What we cover If during the period of cover, you need to hire snow sport equipment because: • your snow sport equipment was misdirected or delayed for more than 24 consecutive hours; or • your snow sport equipment is stolen, accidentally damaged or permanently lost, provided you have a payable claim under Benefit 7.9 Own Snow Sport Equipment for that theft, accidental damage or loss; we will pay for the reasonable costs of hiring alternative snow sport equipment. In addition, if you have paid for snow sport equipment hire cover from the hire company or agency and they charge you for the loss of, or damage to the snow sport equipment hired by you, we will reimburse you for that charge. Please ensure you also read all the sections of the Comprehensive International Travel Insurance
in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.11 SNOW SPORT PACK You only have this cover if you purchased the optional Snow Pack . See the Optional Covers section for details. 7.11.1 What we cover If you are unable to utilise the full duration of your pre-booked and pre-paid ski passes, snow sport equipment hire, tuition fees, or lift passes due to: 108 PART C – COMPREHENSIVE

• an injury; or • sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), that you suffer, or • due to a pre-existing medical condition that we have agreed to cover requiring treatment, during the period of cover for your journey, we will reimburse you the non-refundable portion of your unused costs. 7.11.2 What we do not cover To the extent permitted by law, we will not pay: a) if your claim arises from bobsleighing, snow rafting, parapenting, ski acrobatics, ski or snowboard jumping, aerial skiing, stunting, freestyle, skijoring or any form of power-assisted skiing or use of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designed for recreational skiing; or b) for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.12 PISTE CLOSURE You only have this cover if you purchased the optional Snow Pack . See the Optional Covers section for details. 7.12.1 What we cover If, during the period of cover for your journey, you are unable to participate in your planned snow sport activities because all lift systems in your pre-booked 109 PART C – COMPREHENSIVE

holiday resort were closed for more than 24 consecutive hours due to insufficient snow, bad weather or a power failure during the period of your booking, we will reimburse you, up to $100 for a Cardholder or $100 per person (up to a maximum of $200) for a Cardholder and Spouse for each additional 24 consecutive hour period you are unable to participate in your planned activities, for the expenses you incur for either: • transport to the nearest resort; or • additional ski passes. 7.12.2 What we do not cover To the extent permitted by law, we will not pay: a) for any claims relating to resorts that do not have skiing facilities greater than 1,000 metres above sea level; or b) for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. 7.13 BAD WEATHER & AVALANCHES You only have this cover if you purchased the optional Snow Pack . See the Optional Covers section for details. 7.13.1 What we cover If, during the period of cover for your journey, your pre-booked outbound or return travel is delayed for more than 12 consecutive hours from your scheduled departure time due to bad weather or an avalanche, we will reimburse you for the reasonable additional travel and accommodation expenses you incur until the reason for the delay has ended and you are able to continue with your travel. 110 PART C – COMPREHENSIVE

You should make reasonable efforts to obtain a statement from the appropriate authority confirming the reason for the delay was related to either bad weather or an avalanche, and how long the delay was for. This may be the easiest way to provide evidence of your delay. 7.13.2 What we do not cover To the extent permitted by law, we will not pay: a) for any claims relating to resorts that do not have skiing facilities greater than 1,000 metres above sea level; or b) for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities. Please ensure you also read all the sections of the Comprehensive International Travel Insurance

in particular, consider the General Exclusions on pages 113 to 120 and Our Definitions on pages 135 to 144 in Part D. INCREASED ITEM LIMITS COVER This product provides cover for your luggage and personal effects and valuables under Benefit 4.1 Luggage, Personal Effects & Valuables . The standard item limits which apply in the event of a claim are as follows (please refer to sub-section 4.1.1a) on pages 82 and 83 for further details): • $3,000 for personal computers, tablets, cameras or video cameras; • $1,000 for mobile phones (including any items with phone capabilities); or • $750 for all other items (including jewellery and watches). You can increase the standard item limits that apply under Benefit 4.1 Luggage, Personal Effects & Valuables for a variety of items by purchasing Increased Item Limits Cover and selecting the item type(s) and new item limits you require from the choices available. 111 PART C – COMPREHENSIVE

The total limit which can be selected for all item types combined is $7,000 for a Cardholder or $14,000 for a Cardholder & Spouse. The details of the option you have purchased will be shown on your Certificate of Insurance. Please note in the event of a claim: • depreciation and the item limits set out in sub-section 4.1.1 a) will not apply to the item types for which you have purchased Increased Item Limits Cover, as shown on your Certificate of Insurance. • no cover will apply for any valuables left in a vehicle at any time, or which have been checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus. • the most we will pay for luggage and personal effects left in a concealed storage compartment of a locked vehicle during daylight hours is $200 per item, up to a total amount of $2,000. • the maximum we will pay for all claims combined under Benefit 4.1 Luggage, Personal Effects & Valuables is the benefit limit shown in the Table of Benefits , even if you have purchased Increased Item Limits Cover. • you will need to provide proof of your ownership of, and the value of, any item for which you make a claim. Examples of proof include receipts and/ or valuations. VARYING THE BASE EXCESS You may vary the base excess by choosing to pay an additional premium to decrease the base excess The base excess you have selected will be shown on your Certificate of Insurance. For information purposes only and not forming part of this Comprehensive International Travel Insurance, if you vary the base excess for the Comprehensive International Travel Insurance this will apply to claims made for the benefits in the Complimentary International Medical Travel Insurance. 112 PART C – COMPREHENSIVE

General Exclusions to Part C In addition to any exclusions listed under each benefit in the Policy Benefits and the Optional Covers - Cruise Pack and Snow Pack Policy Benefits , here is a list of things that, to the extent permitted by law, we won’t cover under any benefit of the Comprehensive International Travel Insurance unless your Comprehensive International Travel Insurance specifically allows it, as well as a list of things that we will never cover. Please ensure you read these general exclusions, together with all the sections of this Comprehensive International Travel Insurance, so that you are aware of the limitations and extent of the cover the Comprehensive International Travel Insurance provides. In particular, please consider Our Definitions on pages 135 to 144 in Part D. WHAT WE DON’T COVER UNLESS YOUR COMPREHENSIVE INTERNATIONAL TRAVEL INSURANCE SPECIFICALLY ALLOWS IT

Activities Your claim arises from, or is in any way connected with you participating in: • any activity not listed in the Activities included in this Product section on pages 65 to 67 unless you had purchased: • the optional Adventure Pack and the activity is listed as covered under that optional pack; and/or • the optional Snow Pack and the activity is a snow sport activity covered under that optional pack; or • cruising unless you had purchased the optional Cruise Pack to include cover under your Comprehensive International Travel Insurance for your participation in cruising; or • any race, speed or time trial, or endurance event other than amateur racing on foot in races for distances up to and including the full marathon (42.2 kilometres or 26.2 miles) and amateur riding in a triathlon in races for distances up to and including a 1.5 kilometre swim, 40 kilometre bicycle ride and 10 kilometre run; or 113 PART C – COMPREHENSIVE

• flying other than when you are travelling as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon. 2. Pre-existing Medical Conditions Your claim arises from a pre-existing medical condition of you, or your travel companion, or a relative unless: • the pre-existing medical condition is a pregnancy that you did not need to disclose to us as advised under the heading Travel During Pregnancy in the Pre-existing Medical Conditions section on page 64; or • you had applied to include cover under your Comprehensive International Travel Insurance for your pre-existing medical condition and Allianz Global Assistance had agreed in writing to include cover as shown on your Certificate of Insurance; or • your travel companion or relative is an insured person and Allianz Global Assistance had agreed in writing to include cover under the Comprehensive International Travel Insurance for their pre-existing medical condition as shown on your Certificate of Insurance; or • it meets the requirements under sub-section 2.1.1 c) and sub-section 3.1.1 e) on pages 72 and 76. 3. Pregnancy Your claim arises directly or indirectly out of pregnancy or pregnancy complications except where: a) you did not need to disclose your pregnancy to us as advised under the heading Travel During Pregnancy in the Pre-Existing Medical Conditions section; or b) Allianz Global Assistance had agreed in writing to include cover under your Comprehensive International Travel Insurance as shown on your Certificate of Insurance; or c) it is as a result of an accident occurring prior to the 24th week of your pregnancy which: • causes you to give birth prematurely; or • requires you to be admitted to hospital beyond the 24th week of your pregnancy, during which time your child is born. 114 PART C – COMPREHENSIVE

Important: Even if Allianz Global Assistance has included cover under your Comprehensive International Travel Insurance for your pregnancy, other than as set out in point c) above, this policy will never provide any cover for: • a pregnancy once it is 24 weeks or more gestation; • any expenses for routine or regular antenatal care; • childbirth at any stage of your pregnancy; or • care of, or relating to the health of, a newborn child 4. Private medical treatment You elect to receive private medical treatment where public funded services or treatment is readily available, including medical or hospital treatment under a Reciprocal Health Care Agreement between the Government of Australia and the government of any other country, unless Allianz Global Assistance has agreed to you receiving that private medical treatment. Please contact Allianz Global Assistance to confirm approval for these costs. 5. Vehicles Your claim arises directly or indirectly from, or is in any way connected with you: • riding a quad bike, or riding or travelling as a pillion passenger on a motorcycle, moped or motorised scooter, unless you had purchased the optional Adventure Pack ; or • driving or riding a vehicle as the driver, unless you hold the appropriate class of licence (excluding learners licences) in Australia for that vehicle, or a licence valid for the country you are travelling in if your Australian licence is not recognised in that country. This exclusion does not apply to you travelling as a passenger in a taxi or other transport vehicle. 115 PART C – COMPREHENSIVE

WHAT WE WILL NEVER COVER There is no cover under any benefit of this Comprehensive International Travel Insurance if: 6. Acting intentionally or recklessly You do not do everything you reasonably can to avoid or reduce any loss as much as possible or you intentionally or recklessly act in a way that: • reasonably poses a risk to your safety or the safety of your luggage and personal effects, valuables or other belongings; or • increases the chance of a claim being made under the policy, unless you do so in an attempt to protect the safety of a person or to protect property. 7. Addiction Your claim arises from: • you or any other person being admitted to hospital or confined to a clinic, where you or that other person (as the case may be) is being treated for addiction to drugs, substances or alcohol, or is using the hospital or clinic as a nursing, convalescent or rehabilitation place; or • a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person. 8. Aware of circumstances At the time of purchasing this Comprehensive International Travel Insurance, you were aware, or a reasonable person in your circumstances would have been aware, of something that would give rise to you making a claim under the Comprehensive International Travel Insurance. 9. Diving alone An incident or event occurs while you are diving alone. 10. Elective surgery Your claim arises from, is related to or associated with elective surgery, and/or treatment received by you or your travel companion during your journey. 116 PART C – COMPREHENSIVE

Epidemic/ pandemic Your claim arises from, is related to an epidemic or pandemic unless your claim relates to you or your travel companion contracting an epidemic or pandemic sickness and cover is expressly included in the following sections: 1.1 Overseas Emergency Assistance (including Medical Evacuation & Repatriation) 1.2 Overseas Medical & Hospital Expenses (including Dental) 1.3 Funeral Expenses 1.6 Hospital Cash Allowance 2.1 Cancellation 3.1 Additional Expenses 7.1 Medical Cover while Cruising 7.2 Evacuation Cover – Ship to Shore 7.3 Cabin Confinement 7.4 Pre-Paid Shore Excursion Cancellation 7.8 Overseas Emergency Snow Sport Assistance 7.11 Snow Sport Pack
Errors or omissions Your claim arises from errors or omissions in any booking arrangements or failure to obtain any relevant visa, passport or travel documents.
Government confiscation Your claim arises from a government authority confiscating, detaining or destroying anything.
Health insurance Your claim arises from, or associated with any loss, damage, liability, event, occurrence, injury or sickness where providing you with such cover would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or where Allianz does not have the necessary licenses or authority to provide such cover. 117 PART C – COMPREHENSIVE
Ignoring safety warnings Your claim arises directly or indirectly from, or is in any way connected with, you not observing all safety warnings and advice about adverse weather and terrain conditions.
Illegal acts Your claim arises because you breach any government prohibition or regulation, including visa requirements or intentionally act illegally.
Loss of enjoyment Your claim is for loss of enjoyment of any kind.
Medical complications Your claim arises, or is a consequence of complications from, medical, surgical or dental procedures or treatments received by you or your travel companion during your journey that are not for an injury, or sickness, or pre-existing medical condition that we have agreed in writing to cover, that would be otherwise be covered by this Comprehensive International Travel Insurance.
Medication already in use Your claim is for the cost of medication you are using at the time the journey began or the cost for maintaining a course of treatment you were on prior to the start of the journey.
Nuclear materials, biological or chemical weapons Your claim arises from: • a nuclear reaction or contamination from nuclear weapons or radioactivity; or • biological and/or chemical materials, substances, compounds or the like including when used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear.
Professional sport Your claim arises from you or your travel companion participating in professional sport of any kind (including professional racing on foot). 118 PART C – COMPREHENSIVE
Protective gear Your claim arises directly or indirectly from, or is in any way connected with, you not wearing the appropriate protective clothing and head protection for the sport or activity you are participating in.
Suicide Your claim arises from your intentional self harm or your suicide or attempted suicide.
Travel against medical advice Your claim is in respect of travel booked or undertaken by you against the advice of any medical adviser.
Travel alerts and other warnings Your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of: • by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au; or • which was published in a reliable mass media source.
Under the influence Your claim arises from, or is caused, or is contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions.
Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this Comprehensive International Travel Insurance to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This clause shall apply where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction. 119 PART C – COMPREHENSIVE
War Your claim arises from any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.
Workers compensation Your claim is for a loss which is recoverable by compensation from any transport provider, or under any workers compensation law, government sponsored fund, plan, or medical benefit scheme, or any other similar type legislation required to be effected by or under a law. 120 PART C – COMPREHENSIVE

PART D Important things you need to know 121

Part D applies as referenced to either or both of the Complimentary International Medical Travel Insurance and the Comprehensive International Travel Insurance. Limitation of cover Regardless of anything contained in the Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance to the contrary, we shall not be liable to provide any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This applies where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction. Jurisdiction and choice of law Your Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance are governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this Jurisdiction and Choice of Law clause applies. General Insurance Code of Practice Allianz and Allianz Global Assistance proudly support the General Insurance Code of Practice. The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code. 122 PART D – IMPORTANT THINGS

You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this document. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au. Financial Claims Scheme In the unlikely event Allianz were to become insolvent and could not meet its obligations under your Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, a person entitled to claim may be entitled to payment under the Financial Claims Scheme. Access to the Scheme is subject to eligibility criteria. More information can be obtained from the APRA website at www.apra.gov.au and the APRA hotline on 1300 558 849. Privacy Notice WE COLLECT YOUR PERSONAL INFORMATION Your privacy is important to us. To offer, quote, and provide you with this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance and our services, we, namely AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as ‘Allianz Global Assistance’ as agent for the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, collect, store, use, and disclose your personal information including sensitive information. We usually collect your personal information directly from you but sometimes from others depending on the circumstances. For example, when you make a claim for cover, we may collect your personal information from you, the Group Policy holder (to check you have met eligibility requirements), our business partners and agents, or from your family members or travelling companions, as well as from third parties that provide services including doctors, hospitals, airlines, travel and accommodation providers, your agents and representatives, our agents, and other service providers. 123 PART D – IMPORTANT THINGS

We are responsible for ensuring your personal information is used and protected in accordance with applicable laws including the Privacy Act 1988. Personal information we collect includes, for example, your name, address, date of birth, email address, and sometimes your medical information, bank account details (to pay your claim or for refunds), as well as other information we collect through devices like ‘cookies’ when you visit our website such as your IP address. We collect your personal information to enable us to properly assess and manage your insurance claim, and to provide the services we have agreed to provide under the Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance. USES AND PURPOSES OF COLLECTION We use your personal information to offer, quote, and provide our travel insurance products and services to you (including renewals). Further, we use it to manage your and our rights and obligations in connection with any such products, including for claims handling. We may also use it for product development, fraud investigations, marketing, customer data analytics, research, IT systems maintenance and development, recovery against third parties, to liaise where necessary with Government Departments, regulators, and insurance reference bodies and for other purposes with your consent or where permitted by law. We do not use sensitive information for marketing purposes nor do we provide sensitive information to any third parties for marketing. DISCLOSURE TO THIRD PARTIES Your personal information may be disclosed to third parties who assist us to carry out the activities in the paragraph above, such as to claims management providers, travel agents and intermediaries, insurers, investigators, cost containment providers, medical and health service providers, overseas data storage (including ‘cloud’ storage) and data handling providers, legal and other professional advisers, your agents and broker, your travel group leader if you travel in a group, your employer if you have a corporate travel policy, family members or travelling companions listed on your travel insurance policy, insurance reference bodies in the case of suspicious claims or credit card transactions, 124 PART D – IMPORTANT THINGS

the Bank if you are the beneficiary of the Bank’s card insurances, and our related and group companies including Allianz. Some of these persons and entities to whom we disclose your personal information may be located in other countries including in Europe, the UK and Ireland, Asia, Canada, the USA, and other countries where Allianz has a presence. We also, where necessary, disclose your personal information to Government Departments and to regulatory bodies. PROMOTIONAL MATERIAL We may contact you by telephone, normal mail, email, electronic messages such as SMS, and via other means with promotional material and offers of products or services from us, our related companies, as well as offers from our business partners that we consider may be relevant and of interest to you. Where we contact you for promotional purposes, you can withdraw your consent at any time by calling us on 1800 023 767 or by contacting us – see below. PROVIDING US WITH PERSONAL INFORMATION OF OTHERS When, in connection with one of our products, you provide personal information to us about another person or you receive personal information from us about another person (such as when you are the primary policyholder for your family or a group obtaining travel insurance from us), we rely on you to have first obtained the other person’s consent for you to provide and receive their personal information, and we rely upon you to make them aware of the matters set out in this Privacy Notice. If you don’t have the person’s consent, you must inform us. Note, if the person is listed as an insured person on the Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance and they contact us for information about the Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, we will provide it to them. YOUR RIGHT TO ACCESS You may also seek access to your personal data and ask us to correct and update it. You may not access or correct personal information of others unless you have been authorised by their express consent, or unless they are your dependants under 16 years of age. 125 PART D – IMPORTANT THINGS

If you have a request for access or a complaint concerning our handling of your personal information, please contact: Privacy Officer, Allianz Partners, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@allianzassistance.com.au. You can also contact the Privacy Commissioner at the Office of The Australian Information Commissioner, if you have a complaint. For more information about our Allianz Partners Privacy Policy and handling of personal information, including further details about access, correction, and complaints, please visit our website at allianz-assistance.com.au and click on the Privacy & Security link in the footer. If you do not agree with the matters set out in our privacy policy or will not provide us with the personal information we request, we may not be able to provide you with our products or services including the assessment and payment of any claims. In cases where we cannot comply with your request concerning your personal information, we will give you reasons why. Claims Please read through the terms, conditions, exclusions, limits and applicable sub-limits of this Complimentary International Medical Travel Insurance and Comprehensive International Travel Insurance. For example, the benefits listed under the Policy Benefits and General Exclusions in Part B and C and also in the Optional Covers - Cruise Pack and Snow Pack Policy Benefits in Part C, or on your Certificate of Insurance, if you have purchased a Comprehensive International Travel Insurance, to check whether you are covered. Allianz Global Assistance administers the benefits available under the Complimentary International Medical Travel Insurance and Comprehensive International Travel Insurance. You must notify Allianz Global Assistance as soon as you are reasonably aware of any potential claim. Please submit full details of your claim as soon as reasonably possible by either: • lodging your claim on-line 24 hours a day at www.claimmanager.com.au; or 126 PART D – IMPORTANT THINGS

• emailing or posting a completed claim form to Allianz Global Assistance. You can obtain a claim form by emailing Allianz Global Assistance at travelclaims@allianz-assistance.com.au or by calling the contact number on the inside front cover of this document. In order to be sure that you are covered under Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance you should, where practical, always contact Allianz Global Assistance for approval before you incur expenses you wish to claim in order to check you are covered and that the amount is reasonable. If you do not, we may reduce your claim to the extent that we are prejudiced. Please note that if you have purchased a Comprehensive International Travel Insurance, you will also be covered under the Complimentary International Medical Travel Insurance for the dates listed on your Certificate of Insurance regardless of whether the Complimentary International Medical Travel Insurance has been otherwise varied or terminated in accordance with Part B. You must take all reasonable steps to co-operate at all times in relation to providing supporting evidence and such other information that may reasonably be required. You must take all reasonable steps to give any information Allianz Global Assistance reasonably asks for to support your claim at your expense. Examples of information to support your claim includes police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required Allianz Global Assistance may reasonably ask you to provide them with translations into English of any such documents to enable their consideration of your claim. a) If you think that you may have to cancel or shorten your journey you must tell us as soon as possible. Contact Allianz Global Assistance using the contact number shown on the inside front cover of this document , or the 24 hour emergency assistance number if you are still overseas. b) For medical, hospital or dental claims, contact Allianz Global Assistance as soon as reasonably practicable. 127 PART D – IMPORTANT THINGS

c) For loss or theft of your luggage and personal effects or valuables, report it as soon as reasonably practicable to the police and obtain a written notice of your report. This may be the easiest way to provide evidence of the loss or theft. If you unreasonably delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. d) For damage or misplacement of your luggage and personal effects, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official as soon as reasonably possible and take all reasonable steps to obtain a written report, including any offer of settlement that they may make. Allianz Global Assistance will consider your claim within 10 business days of receiving a completed claim form and all reasonably necessary documentation. If they need additional information, a written notification will be sent to you within 10 business days. If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we can reduce any claim payable by the amount of prejudice we have suffered because of the delay. Overseas hospital admission or medical evacuation If you require emergency assistance, Allianz Global Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency. If you are admitted to hospital, or you are being treated as an outpatient and the total cost of such treatment is likely to exceed $2,000, you or a member of your travelling party, should contact Allianz Global Assistance as reasonably as possible to seek approval to incur such cost. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. Approval will not be unreasonably withheld or delayed. 128 PART D – IMPORTANT THINGS

Please note that we will not pay for any hospital, medical or dental costs you incur in Australia. This is because we are not licensed to pay these costs in Australia. Therefore, you should treat them as you would any other health-related costs you incur when you aren’t travelling, such as claiming through Medicare or your private health insurer. You can choose your own doctor Unless you are treated under a Reciprocal Health Care Agreement you are free to choose your own medical adviser or, if you ask them to, Allianz Global Assistance can appoint a medical adviser to see you, subject to the ‘Private Medical Treatment’ exclusion on page 34 and 115. You must, as soon as possible, advise Allianz Global Assistance of your admission to hospital or your early return to Australia based on written medical advice. If you do not get the medical treatment you expect, Allianz Global Assistance can assist you but neither Allianz nor Allianz Global Assistance are liable for anything that results from that. DEPRECIATION The following information on Depreciation relates only to Part C Comprehensive International Travel Insurance and does not form part of Part B Complimentary International Medical Travel Insurance When taking into consideration the age of a covered item we will deduct the following amounts from our settlement for each item you have claimed under the Comprehensive International Travel Insurance: 129 PART D – IMPORTANT THINGS

• For toiletries and medication (including skin care, make-up, perfume, deodorant and aftershave) we will deduct 50% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For mobile phones, smart phones, electrical devices, communication devices, all computers (including laptops and tablets), photographic equipment and electronics equipment we will deduct 20% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For clothing, footwear, luggage and books we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 10% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For jewellery we will not make any deduction; • For all other items we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%. For example: You have a $500 digital camera that was purchased 2 years before the date it was lost. The rate of depreciation would be 20% per year. In settlement of your claim we would pay you $300 (i.e. we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows: Year 1 - Purchase price of $500 less 20% ($100) = $400 Year 2 - Depreciated value of $400 less 20% of the purchase price ($100) = $300 . 130 PART D – IMPORTANT THINGS

HOW GST MAY AFFECT YOUR CLAIM If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. The following paragraph relates only to Part C Comprehensive International Travel Insurance and does not form part of Part B Complimentary International Medical Travel Insurance If you are entitled to claim an input tax credit in respect to any premium you have paid relating to the Comprehensive International Travel Insurance you must inform us of the amount of that input tax credit (as a percentage) at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under your Comprehensive International Travel Insurance. CLAIMS ARE PAYABLE IN AUSTRALIAN DOLLARS TO YOU We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Payment will be made by direct credit to a bank account nominated by you. YOU SHOULD NOT ADMIT FAULT OR LIABILITY BEFORE CONSULTING US You should not admit that you are at fault for any accident, incident or event causing a claim under your Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, and you must not offer or promise to pay any money, or take any steps in relation to any legal action, without the approval of Allianz Global Assistance. Such approval will not be unreasonably withheld or delayed. If you do, we may reduce or refuse your claim to the extent we are prejudiced. 131 PART D – IMPORTANT THINGS

FRAUD When making a claim you have a responsibility to assist us and to act in an honest and truthful manner. If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, then no payment will be made in regard to the claim. Also, the Bank will be informed of the situation and you may no longer be eligible for the cover described in this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance. Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. You can help by reporting insurance fraud by calling Allianz Global Assistance on 1800 453 937. All information will be treated as confidential and protected to the full extent under law. RECOVERY If we or you have a claim against someone in relation to the money we have to pay or we have paid under your policy, you must take reasonable steps to help us recover that prospective or actual outlay in legal proceedings. If you are aware of any third party that you or we may recover money from, you must take reasonable steps to inform us of such third party. When making a claim you should tell us about any other insurance under which you are or might be able to claim. We may, at our discretion, undertake in your name and on your behalf, control and settle proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance. We will act reasonably having regard to your interests, and will keep you informed if you ask us to. 132 PART D – IMPORTANT THINGS

You are to assist and permit to be done, everything reasonably required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance. We will apply any money we recover from someone else under a right of subrogation in the following order:

to us, our costs (administration and legal) arising from the recovery.
to us, an amount equal to the amount that we paid to you under your Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance.
to you, your uninsured loss (less your excess).
to you, your excess. Once we pay your total loss, we will pay you the balance of any money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you. COMPLAINTS AND DISPUTES If you are dissatisfied with our service in any way, please contact us and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. You can contact us to make a complaint and request a copy of our procedures using the contact details provided below. 133 PART D – IMPORTANT THINGS

Allianz Global Assistance www.allianz-assistance.com.au 1300 795 636 idrcommittee@allianz-assistance.com.au Locked Bag 3014, Toowong DC QLD 4066. If you are not happy with the proposed resolution of your complaint, or we do not make a decision within the period that we tell you we will respond, we will tell you about your right to escalate your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. If you wish to exercise your right to refer your complaint to external dispute resolution, you may contact AFCA using the details provided below. The Australian Financial Complaints Authority www.afca.org.au 1800 931 678 info@afca.org.au GPO Box 3, Melbourne VIC 3001. CONDUCT OF OTHERS Where a claim is made for a loss that is excluded as the result of the act of any person who is insured under this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, we may consider certain factors that may have triggered the exclusion and we may make a discretionary decision to assist you in a way which is fair and reasonable in the circumstances. If we do this we may make a payment to you or repair, reinstate or replace an item. This will apply even though we are not legally required to pay the claim. Factors we will consider include:

Mental illness;
An act of violence or intimidation; and/or
When cover has been varied or terminated with malicious intent. 134 PART D – IMPORTANT THINGS

This clause does not apply to the liability section of the Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance or form part of the terms and conditions of this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance and does not confer any contractual or other right. Any payment we may make is at our sole discretion only. CONFIRMATION OF TRANSACTION If you require further information about this insurance or wish to confirm a transaction, including a claim, please contact us. Alternatively, if you wish to automatically receive the confirmation of the transaction after it occurs e.g. at the conclusion or settlement of the claim, please contact us. Our Definitions When the following words and phrases appear in this Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, your Letter of Eligibility, Certificate of Insurance or any other document that forms part of your Complimentary International Medical Travel Insurance or Comprehensive International Travel Insurance, they have the meanings given below. The use of the singular shall also include the use of the plural and vice versa. Accident, accidental, accidentally means any sudden and unexpected physical event not intended by you. Accountholder means a customer of the Bank, being an individual, business entity or company, who has entered into a card account with the Bank and in whose name the card account was opened. The accountholder is the individual, business entity or company that has contractual obligations with the Bank under the card account. Activate, activating or activation means registering each journey via Westpac App or Online Banking, or by calling Allianz Global Assistance and providing your journey details including destination dates, travellers and ages and receiving a Letter of Eligibility or Certificate of Insurance as confirmation of the activation. 135 PART D – IMPORTANT THINGS

Allianz means Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708. Allianz Global Assistance means AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631. Appropriate supervision means under the supervision of a person who possesses the necessary skills, qualifications and licensing appropriate for the supervision of the activity being undertaken. Bank means Westpac Banking Corporation ABN 33 007 457 141, AFSL and Australian credit licence 233714. Bicycles means any bicycle, tricycle, tandem, trailer cycle or push scooter that is powered by human pedalling and/ or a battery. Business samples means demonstration goods or examples of goods sold by you or your company. Card means a current and valid Level 1 Card or Level 2 Card issued by the Bank. An eligible card that is cancelled or suspended is not current and valid. Card account means: • a current and valid card facility provided by the Bank to which purchases made by cardholders on a card are charged; or • the primary account linked to a card issued by the Bank to which a transaction is routed by any electronic funds transfer facility. Cardholder means a person who resides in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency) to whom the Bank has issued a card (this includes primary and additional cardholders). Carrier means an aircraft, train, tram, vessel or other scheduled transport operated under a licence for the purpose of transporting passengers. However, it does not mean a taxi, limousine or similar service. Certificate of Insurance is the document we give you which confirms that we have issued a Comprehensive International Travel Insurance to you and sets out details of your cover. 136 PART D – IMPORTANT THINGS

Chronic means a persistent and lasting condition. It may have a pattern of relapse and remission. Complimentary International Medical Travel Insurance means the group policy cover set out in the PDS in Part B of this document. Comprehensive International Travel Insurance means the retail policy cover set out in the PDS in Part C of this document. Concealed storage compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a motor vehicle. Cruise or cruising means leisure or holiday travel as a passenger on-board a commercially operated sea or ocean-going vessel which has on-board accommodation and trained medical staff, whether or not the travel includes stopping at ports or other locations for sightseeing. Date of issue means the date and time of issue on your Certificate of Insurance. Dependant means your child or grandchild (including step-child, adopted child, foster child and child you care for under a legal guardian arrangement), and who are: • not in full-time employment, • travelling with you for at least 50% of your journey; and • aged under 25 years at the time of issue of your Letter of Eligibility or Certificate of Insurance. Dependant does not include any person other than those listed on your Letter of Eligibility or Certificate of Insurance. Depreciation means the deduction from the original purchase price of an amount calculated to be the reduction in value because of wear and tear and/or the passing of time. Epidemic means an infectious disease that rapidly spreads to a large number of people in a community, population, or region. Excess means the deduction we will make from the amount otherwise payable for each claimable incident or event. 137 PART D – IMPORTANT THINGS

Formal wear means dinner suit, dress shirt, bowtie, evening gown, cocktail dress or other items of clothing which are required attire for formal dining/functions. This includes wedding attire but does not include jewellery. Funeral expenses means the costs charged by a funeral director for arranging your funeral service and by a cemetery for your burial or a crematorium for your cremation. It does not include the cost of memorialisation. Group Policy means an insurance policy on the terms and conditions set out in the Complimentary International Medical Travel Insurance, issued by Allianz Global Assistance on behalf of the Insurer Allianz, under which the Insurer does, by operation of section 48 of the Insurance Contracts Act, provide insurance cover benefits for cardholders (including spouses and/or dependant/s) as third party beneficiaries (as that term is defined in the Insurance Contracts Act). Home means the place where you normally live in Australia. Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a residential care facility, a health retreat, or a rehabilitation or external care facility for the treatment of alcoholism, drug addiction or substance addiction. Injure, injured or injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease. Insolvency or insolvent means bankruptcy, provisional liquidation, liquidation, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction. Jewellery means a form of personal adornment, such as brooches, rings, necklaces, earrings, and bracelets. It does not include watches or items of clothing. 138 PART D – IMPORTANT THINGS

Journey means from the time you leave your home or your place of employment or business to commence your travel and ends when you: • return to your home; or • arrive at a hospital or residential care facility in Australia (if you are evacuated or repatriated for medical reasons), whichever happens first. Legal costs means fees, costs and expenses (including any applicable taxes and charges) in connection with a legal action. It also means any costs which you are ordered to pay by a court or arbitrator (other than any fine or penalty, or aggravated, punitive, exemplary or liquidated damages) or any other costs we agree to pay. Letter of Eligibility is the document we give you which confirms your activation for Complimentary International Medical Travel Insurance and sets out details of your cover. Level 1 Cards means the following current and valid Westpac issued credit cards: • Altitude Black MasterCard • Altitude Qantas Black MasterCard • Altitude Velocity Black MasterCard • Low Fee Platinum MasterCard This includes a Westpac PartPay Card that is linked to a current and valid card. Level 2 Cards means the following current and valid Westpac issued credit cards: • Altitude Platinum MasterCard • Altitude Qantas Platinum MasterCard • Altitude Velocity Platinum MasterCard This includes a Westpac PartPay Card that is linked to a current and valid card. Luggage and personal effects means your suitcases, trunks and similar containers (including their contents), articles worn or carried by you, and sporting equipment. It does not mean or include any: • bicycle; • business samples or items that you intend to trade; 139 PART D – IMPORTANT THINGS

• valuables; • snow sport equipment; • passport or travel documents; • cash, bank notes, currency notes, cheques or negotiable instruments; • electronic data, software or intangible asset; • watercraft of any type (other than surfboards); • furniture, furnishings, household appliances; • hired items; or • any other item which may be listed as excluded on your Certificate of Insurance. Medical adviser means a doctor (including a clinical psychologist) or dentist qualified to diagnose the condition or disorder, holding the necessary current certification in the country in which they are currently practising, and who is not you or your travel companion, or a relative or employee of you or your travel companion. Medical Terms of Cover means the document we give you as a schedule which details the terms and conditions relating to any Pre-existing medical condition that you disclose to us. Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (as used by clinicians and psychiatrists to diagnose psychiatric illnesses. Consult your medical advisor for more information). Natural disaster means any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption, but not epidemics or pandemics. Overseas means outside of Australia and its territories. Pandemic means an epidemic that spreads to multiple countries, continents, or worldwide. PDS means Product Disclosure Statement and any Supplementary Product Disclosure Statement. 140 PART D – IMPORTANT THINGS

Permanent disability means permanent loss of all the sight in one or both eyes, or the use of a hand at or above the wrist or a foot at or above the ankle. Pregnancy-related means arising from or directly connected with the process and changes in a mother resulting from a developing foetus. It covers the mother and foetus, when either requires emergency medical care. Pre-existing medical condition means a condition of which a reasonable person in the circumstances, should have been aware at the time of activation and/or issue of the Certificate of Insurance, including: • any dental condition; or • any physical condition; or • pregnancy; or • any lifelong illness; or • any chronic illness; or • any mental illness; or • any current or previously treated cancer, or any condition which, in the last two (2) years: • was treated by surgery (including day surgery); or • required regular medication; or • required on-going treatment; or • was referred to a specialist medical adviser; or • had regular reviews or check-ups; or • caused admission to hospital; or • was treated at a hospital emergency department or out-patient clinic. Proof of your ownership, proof of purchase or value means receipts, invoices, valuations, and other documents directly showing ownership and value. Where direct proof of ownership or valuation is not reasonably available to you , and depending upon the value and nature of the claim, it can include statutory declarations or other information which show the insured is most likely the owner. 141 PART D – IMPORTANT THINGS

Professional sport means training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money more than $1,000. Public space means any area to which the public has access (whether authorised or not) including but not limited to hotel foyers and grounds, restaurants, public toilets, beaches, airports, railway stations, bus terminals, taxi stands and wharves. Quad bike means a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control. Reasonable or reasonably means: • for covered medical, hospital or dental expenses, at the standard level of care given in the country you are in but not exceeding that provided through the public hospital system in Australia; • for covered booking and travel related expenses, a level comparable to those you have booked for the rest of your journey; if no similar booked travel arrangements or for covered expenses of relatives, a level that is appropriate and moderate in the circumstances; not extravagant; • for covered funeral expenses, a level that in the circumstances is moderate; not premium; • for situations where we ask you to do something such as to assist us or to or provide documents or information or to take reasonable care or to make reasonable efforts - to the extent that is practically achievable by you and within your control or ability using ordinary efforts; • for reasonable medical advice, advice provided by a doctor or other medically qualified practitioner experienced in the medical issue in question and engaged either on your behalf or on behalf of Allianz Global Assistance to provide medical advice; • reasonable legal costs or expenses: means the usual or normal legal costs and expenses incurred in defending or settling a claim, including engaging a mid-tier firm of lawyers, their reasonable disbursements, etc; not extravagant; 142 PART D – IMPORTANT THINGS

• for conduct, acts or knowledge of ‘a reasonable person’, what would be expected of an average person in the circumstances, and achievable by the insured through normal endeavours; • for any other circumstances, including conduct or acts of a reasonable person - what is reasonable in the circumstances, having regard to common community standards, and fairness. Reciprocal Health Care Agreement means an agreement between the government of Australia and the government of another country where permanent residents of Australia are provided with subsidised essential medical treatment. (Please visit www. servicesaustralia.gov.au for details of Reciprocal Health Care Agreements with Australia.) Redundant or redundancy means loss of permanent paid full time employment (except voluntary redundancy), after a continuous working period of two years with the same employer. Relative means only a grandparent, parent, parent-in- law, step parent, step parent in-law, sister, step sister, sister-in-law, brother, step brother, brother-in-law, spouse, partner, fiancé(e), son, son-in-law, daughter, daughter-in- law, step child, foster child, grandchild, ward or guardian. Rental vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/ people mover, rented from a licensed rental company or agency. Rental vehicle does not include any other vehicle irrespective of use or weight. Sick or sickness means a medical condition (including a mental illness), not being an injury, the symptoms of which first occur or manifest during your period of cover. Return overseas travel ticket means an air or cruise ticket departing from and returning to Australia. Snow sport activities means amateur skiing, snowboarding, sledding, tobogganing, or tubing conducted on groomed terrain, marked slopes or trails that are open, maintained and monitored within ski resort boundaries but does not include any form of racing, acrobatics, jumping, stunting, aerial or freestyle activities. 143 PART D – IMPORTANT THINGS

Snow sport equipment means skis, poles, boots, bindings or snowboards. Snow sport equipment does not include any equipment other than the equipment listed. Sporting equipment means equipment needed and used to participate in a particular sport and which can be carried about with you. Spouse means the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey starts. Transaction card means a debit card, credit card or travel money card. Travel companion means only those persons with whom you have made arrangements before your Certificate of Insurance was issued, to travel with you for at least 50% of your journey. Upgrade means an increase in the overall cover you enjoy arising from your paying a premium to purchase a Comprehensive International Travel Insurance policy which is a retail policy, in addition to being provided with the group policy comprising the Complimentary International Medical Travel Insurance. Valuables means jewellery, antiques, curios or works of art, watches, semi-precious/ precious metals or semi-precious stones/precious stones and items made of or containing semi-precious/ precious metals or semi-precious stones/precious stones, furs, binoculars, telescopes, any kind of photographic, audio, video, computer (including monitors), fax or phone equipment (including mobile phones), tablets, MP3/4 players and PDAs. Vehicle means any car, van or bus (including but not limited to a coupe, hatchback, station wagon, SUV/4WD or campervan), motorcycle, moped or motorised scooter. We, our, us means Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708. You, your, yourself and insured person means each person named on the Letter of Eligibility or Certificate of Insurance. Westpac means Westpac Banking Corporation, ABN 33 007 457 141, AFSL and Australian credit licence 233714. 144 PART D – IMPORTANT THINGS

IMP3698 We’re here to help For International Travel Insurance claims and enquiries, contact Allianz Global Assistance on 1800 091 710 , Monday to Friday: 8am to 8pm AEST Saturday: 8am to 5pm AEST For Card related queries, contact Westpac on 132 032 , 8.00am to 8.00pm EST, Mon-Fri, excl. public holidays westpac.com.au Ask at any branch

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay_card_terms_and_conditions.pdf

Effective Date: May 2023 PartPay Card Terms and Conditions

3 Contents

What is a PartPay Card? ................................................................................... 4
How can I get a PartPay Card? ....................................................................... 4
Using your PartPay Card ................................................................................... 5
Interest charges .................................................................................................. 7
How does a PartPay Card affect what you need to pay each month? ... 7
Making payments and how we apply your payments ................................ 9
Excess credit ..................................................................................................... 10
Cancelling your PartPay Card ........................................................................ 10
Changes to these PartPay Terms ................................................................... 11
Meaning of important terms .......................................................................... 12

4 When a PartPay Card is used to make Purchases, these Terms and Conditions will apply. They should be read together with the Westpac Credit Cards Terms and Conditions that also apply to PartPay Cards and your Card Account (the Card Conditions ) and the other documents that form part of your contract with us. If there is any inconsistency between these PartPay Terms and your Card Conditions, these PartPay Terms will apply.

What is a PartPay Card? A PartPay Card is a digital only Card that can be issued to an existing eligible Card Account. Once issued, it can then be added to a digital wallet and used to make eligible Purchases which you may repay in four PartPay Payments. See Clause 5 and 6 below for further details.
How can I get a PartPay Card? Before you can request a PartPay Card, you will need: • an active and eligible Card Account. Please see our website for details on which card accounts are eligible for a PartPay Card; • access to Online Banking and have installed the Mobile Banking App on a mobile device; • have registered for Westpac Protect™ SMS Code; and • have provided us with a valid email address, mobile number and mailing address. Once set up you can submit your request to us via your Mobile Banking App. There may be times when we will not accept your request. For example, if your Card Account is overdue, you have exceeded your credit limit or we have blocked your account (see Clause 9.2 of the Card Conditions for more details on when we can block your Card Account). If we accept your request we will let you know via the Mobile Banking App. We will also send you a welcome email to your nominated email address. This may take up to 2 business days after your request is submitted to us. We will also make your PartPay Card available in your Mobile Banking App. You cannot use the card until you have set up an Autopay arrangement with us. See Clause 3.1 below for more details about setting up Autopay. No physical cards will be sent to you.

5 3. Using your PartPay Card 3.1 Setting up Autopay. In order for you to transact on your PartPay Card, you must set up and maintain an active automatic payment from an eligible Australian bank account that you hold. You do this by providing us with a direct debit request. Within Westpac, this is called Autopay. Any Autopay arrangement set up for your PartPay Card will be separate to any Autopay arrangement that you set up to make other payments (e.g. to pay the Minimum Payment Due) on your Card Account. By setting up Autopay you are requesting us to automatically pay each PartPay Payment on its PartPay Payment Date by debiting the PartPay Payment amount from your nominated account on that date. This means that any other balances on your Card Account that attract a higher Annual Percentage Rate may be repaid later and may, as a result, attract greater interest charges. You may cancel your Autopay arrangement at any time but if you do then we may suspend or cancel your PartPay Card. See Clause 8.2 for more information on what happens if we suspend or cancel your card. If you want to change your existing Autopay arrangement (for example change your nominated account) you can do so via your Mobile Banking App (or via any other method that we allow). If you need to set up a new Autopay arrangement, you should contact us using the contact details at the start of the Card Conditions. In certain circumstances, including where we suspect fraud or need to take action to prevent losses, you will not be able to set up a new Autopay without our authorisation. Further details about setting up Autopay can be found in the Autopay terms and conditions. Your Autopay terms and conditions can be found here westpac.com.au/partpay-direct-debit Important - You need to ensure that your bank account details for Autopay are valid and the account remains active. If not, then we may suspend the use of your PartPay Card until you nominate a new account.

6 3.2 What you can use your card for. Once your PartPay Card is available in your Mobile Banking App, it can be used to make eligible Purchases. You may also add the card to your digital wallet. An ‘eligible Purchase’ is any Purchase on your PartPay Card that is equal to or greater than the Minimum Purchase Amount. If you make a Purchase with your PartPay Card that is less than the Minimum Purchase Amount then we may in our absolute discretion, acting reasonably, decline the transaction. If we do process the transaction then the Purchase will be treated the same as any other ‘eligible Purchase’ (and all references in these PartPay Terms to ‘eligible Purchase’ are to be read as including the transaction). An example of when we may process a Purchase that is less than the Minimum Purchase Amount is in cases where our systems are offline at the time of the transaction. There may be cases where you make a Purchase on your PartPay Card or you set up your PartPay Card as a payment method with a merchant and the merchant then sends through a pre-authorisation amount, which is a temporary hold on funds. If the pre-authorisation amount sent by the merchant is less than the Minimum Purchase Amount, we may in our discretion, acting reasonably, decline the transaction. This may mean that you are unable to finalise a Purchase with that merchant on your PartPay Card as the pre-authorisation amount was declined. There is no limit on the number of eligible Purchases that can be made on a PartPay Card but all PartPay Cards, issued on the same Card Account, will be subject to the credit limit of that account. When a PartPay Card is added to your Card Account, you must continue to keep your total balance within your credit limit as detailed in Clause 3.6 of the Card Conditions. For more details on using your card, including where you can use your card and details on recurring payments, see Clause 3 of your Card Conditions. 3.3 Additional Cardholders. If an Additional Cardholder has been added to your Card Account (meaning you have asked for an Additional Card to be issued to another person in accordance with Clause 2.3 of the Card Conditions), then we will also make a PartPay Card available to that Additional Cardholder via their Mobile Banking App. To use their PartPay Card

7 the Additional Cardholder will need to install the Mobile Banking App on a mobile device. 4. Interest charges We will not charge interest on a PartPay Payment if the amount is paid by you on or before its PartPay Payment Date. If you don’t pay a PartPay Payment in full by its PartPay Payment Date (for example, because we are unable to debit your nominated account for the PartPay Payment amount), the unpaid amount will be deducted from your PartPay Balance and included in your Purchase Balance. This amount is referred to as a Missed PartPay Payment. This means that a Missed PartPay Payment will accrue interest at the Annual Percentage Rate that applies to your Purchase Balance from the date that we include the Missed PartPay Payment in your Purchase Balance. Whether interest is then payable by you on the Missed PartPay Payment will depend on whether your Purchase Balance benefits from interest free periods at that time. If it does, then it will also depend on whether you meet the interest free period conditions in Clause 5.2 of the Card Conditions at the time we include the Missed PartPay Payment in your Purchase Balance. For more details on how we calculate and charge interest see Clause 5.3 of the Card Conditions. 5. How does a PartPay Card affect what you need to pay each month? 5.1 Paying PartPay Payments. If an eligible Purchase is made on a PartPay Card, the payment (which will include any Foreign Transaction Fees, if applicable) will be split into four repayment amounts (called PartPay Payments ). If the payment cannot be split into four equal repayment amounts, then your last PartPay Payment will be adjusted accordingly. The example below shows how. The details of PartPay Payments will be shown in your Mobile Banking App. You can pay a PartPay Payment at any time before its PartPay Payment Date. For details on how to do this see Clause 6 below. If you have not paid a PartPay Payment by its PartPay Payment Date then we will debit your nominated account for the amount on that date using Autopay.

8 The PartPay Payment Date for the first PartPay Payment will be on or about the date we process the related Purchase to your Card Account. The PartPay Payment Dates for the remaining PartPay Payments will be on or about the date falling fourteen days after the immediately preceding PartPay Payment Date (so every two weeks). Weekends and national public holidays may affect your PartPay Payment Dates. For details on all PartPay Payment Dates and PartPay Payment amounts for each eligible Purchase please see the applicable PartPay Payment Schedule in your Mobile Banking App. PartPay Payment example You make an eligible Purchase on your PartPay Card of $100.05 Your first three PartPay Payments will be $25.01 each and your final PartPay Payment will be $25.02. Important – Purchases made on any other Card issued on your Card Account are not eligible for split repayment. This means that if you were to accidentally make a Purchase on a Card (other than a PartPay Card) and you intended for that Purchase to be made on your PartPay Card, you cannot later ask us to transfer that Purchase to your PartPay Balance and/or request that the Purchase be repaid in four repayment amounts. When using a card in a digital wallet we suggest that you check the card first before you make a purchase. 5.2 Other amounts you may need to pay. Adding a PartPay Card to your Card Account will not change your: • Monthly Payment Balance – which is the amount you must pay each month to retain interest free periods; • Minimum Payment Due – which is the amount you must pay each month to meet your minimum payment requirements; or • Monthly Payment – which, if applicable, is the amount you must pay each month if you want to keep your SmartPlans active. See your Card Conditions for further details on each of these payments, including how they are calculated and when they must be paid.

9 6. Making payments and how we apply your payments You can make additional PartPay Balance payments in two ways. • You can repay a specific PartPay Payment (in full only) via your Mobile Banking App. If you do then your payment will be applied to repay the specific PartPay Payment only. Unless we agree otherwise, this payment can only be made from another eligible Westpac account. • You may use B PAY ® (or any other payment method that we allow) to make a general PartPay Balance payment. If you do then your payment will be applied to repay your PartPay Payments or part thereof in chronological order based on their PartPay Payment Dates (with the earliest date being repaid first and so on). If you have multiple PartPay Payments with the same PartPay Payment Date then we will apply your payment in the order of lowest PartPay Payment amount to highest PartPay Payment amount. When you make a PartPay Balance payment you are requesting us to apply that payment towards repayment of your PartPay Balance in the ways described above. This means that any other balances on your Card Account that attract a higher Annual Percentage Rate may be repaid later and may, as a result, attract greater interest charges. All PartPay Balance payments must be in Australian Dollars. All other payments to your Card Account will be treated as a ‘general’ Card Account payment and will be applied in accordance with Clause 6.3 of the Card Conditions or, if you have a SmartPlan, in accordance with Clause 7.6 of your Card Conditions. ® Registered to B PAY Pty Ltd ABN 69 079 137 518

10 7. Excess credit Unless we agree otherwise, your PartPay Card cannot have a credit balance. If you use B PAY ® (or any other payment method that we allow) to transfer an amount to your PartPay Card and the amount exceeds your PartPay Balance then the excess credit amount will be applied in accordance with Clause 6.3 of the Card Conditions or, if you have a SmartPlan, in accordance with Clause 7.6 of your Card Conditions. 8. Cancelling your PartPay Card 8.1 When can you cancel your PartPay Card? You may cancel a PartPay Card at any time via the Mobile Banking App or by phone. When we receive a cancellation request we will cancel your PartPay Card immediately. 8.2 When can we suspend or cancel a PartPay Card? In addition to our rights under Clause 9.2 of the Card Conditions we may cancel a PartPay Card if: (a) you change card products and a PartPay Card is not available on your new product. (b) you deregister your access to Online Banking. (c) you cancel your Autopay arrangement and do not subsequently set-up a new Autopay arrangement. (d) you opt-out of receiving any electronic communications from us in connection with your PartPay Card. We may also suspend the use of a PartPay Card if you cancel your Autopay arrangement or if your nominated account is no longer active or is otherwise invalid.

11 8.3 When will an Additional Cardholder’s PartPay Card be cancelled? If you or an Additional Cardholder cancel an Additional Card then the linked PartPay Card will automatically be cancelled. In addition, if your PartPay Card is cancelled by either you or us then all PartPay Cards issued to Additional Cardholders on the same Card Account will automatically be cancelled. 8.4 What you must do when a PartPay Card is cancelled. When a PartPay Card has been cancelled for any reason, all recurring payments which are linked to the PartPay Card must be cancelled. You will remain liable for any recurring payments which have not been cancelled. If you have not cancelled a recurring payment, it will be processed as an eligible Purchase on your Card Account and will be split into four PartPay Payments. See Clause 5.1 above for more details. However, if we cancel your card under Clause 8.2(a), any recurring payments that have not been cancelled will be treated as a new Purchase on your new Card Account. You will also remain liable for all eligible Purchases made before the PartPay Card is cancelled. If you cancel your PartPay Card or we cancel your card under Clause 9.2 of the Card Conditions or under Clause 8.2(b), (c) or (d) above you must continue to repay any outstanding PartPay Payments in accordance with your PartPay Payment Schedule and Clause 5.1. You may also pay your PartPay Balance off in full when your card is cancelled. See Clause 6 for details on how to do this. If we cancel your card under Clause 8.2(a) above all outstanding PartPay Payments will be cancelled, and your outstanding PartPay Balance will be treated as a new Purchase on your new Card Account. 9. Changes to these PartPay Terms We can change these PartPay Terms in the same way as we can change the Card Conditions as set out under the heading ‘Variation’ of the Card Conditions.

12 10. Meaning of important terms Capitalised words used in these PartPay Terms have the same meaning as in the Card Conditions, and: eligible Purchase – has the meaning given to it in Clause 3.2. Minimum Purchase Amount – the minimum amount that any Purchase must be equal to or greater than in order for the Purchase to be split into four fortnightly payments as set out in these PartPay Terms, using a PartPay Card. See westpac.com.au/partpay for the current Minimum Purchase Amount that applies to your PartPay Card. PartPay Balance payment – the repayment of any PartPay Payment in accordance with these PartPay Terms. PartPay Payment – has the meaning given to that term in Clause 5.1. PartPay Payment Date – has the meaning given to that term in Clause 5.1. PartPay Payment Schedule – the schedule of PartPay Payments and PartPay Payment Dates for each eligible Purchase provided by us to you via your Mobile Banking App (or if unavailable via any other electronic delivery method available to us such as email or messages in Online Banking). Purchase – all payments you make using your Card that are not Cash Advances or Balance Transfers.

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Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/wbc-eligible-australian-visa-list.pdf

ACCEPTABLE VISAS 100 Partner (Migrant) 103 Parent 114 Aged Dependent Relative Visa 115 Remaining Relative 116 Carer Visa 117 Orphan Relative Visa 119 Regional Sponsored Migration Scheme (RSMS) Visa 120 Labour Agreement Visa 121 Employer Nomination Scheme (ENS) Visa 124 Distinguished Talent 132 Business Talent (Permanent) 134 Distinguished Talent Visa 136 Skilled Independent Visa 137 Skilled Australian Sponsored Visa 138 Skilled Designated Area Sponsored Visa 139 Skilled Independent Regional (Provisional) Visa 143 Contributory Parent (Permanent) 151 Former Resident 155 Resident Return (5-year) 157 Resident Return Visa 175 Skilled Independent Visa 176 Skilled Sponsored 186 Employer Nomination Scheme 187 Regional Sponsored Migration Scheme 189 Skilled Independent 190 Skilled Nominated 191 Permanent Residence (Skilled Regional) 200 Refugee 201 In-country Special Humanitarian 202 Global Special Humanitarian 203 Emergency Rescue 204 Woman at Risk 801 Partner (Permanent) 802 Child Visa 804 Aged Parent Visa 808 Confirmatory (Residence) Visa 835 Remaining Relative (Onshore) 836 Carer Visa 837 Orphan Relative Visa 838 Aged Dependent Relative Visa 851 Resolution of Status Visa 855 Labour Agreement Visa 856 Employer Nomination Scheme (Onshore) 857 Regional Sponsored Migration Scheme (Onshore) 858 Global Talent 864 Contributory Aged Parent Visa 866 Protection Visa 885 Skilled Independent Visa 886 Skilled Sponsored Visa 887 Skilled Regional (Permanent) 888 Business Innovation and Investment (Permanent) 890 Business Owner (Permanent) 891 Investor (Permanent) 892 State/Territory Sponsored Business Owner (Permanent) 893 State/Territory Sponsored Investor (Permanent) As per the Credit Policy for Credit Cards. Information correct as at 10 July 2025 © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCACO1 1118 Permanent Residence visas:

188 Business Innovation and Investment visa 457 Temporary Work (Skilled) visa (subclass 457) 482 TSS Labour Agreement Stream Temporary Skill Shortage (TSS) visa (subclass 482)

Labour Agreement Stream 482 TSS Medium- Term - MLTSSL or ROL Temporary Skill Shortage (TSS) visa (subclass 482) Medium and Long-term Strategic Skills List (MLTSSL) or the Regional Occupation List (ROL) 482 TSS Short-Term

STSOL Temporary Skill Shortage (TSS) visa (subclass 482) Short Term Skills Shortage (STSOL) 489 Skilled Regional (provisional) visa (subclass 489) 491 Skilled Work Regional (Provisional) visa (subclass 491) 820 Partner visa (subclass 820 801) Visa must have a minimum of 1 year before expiration at the time of applying for credit cards, i.e. “Length of stay” on visa document must be greater than 12 months from application date for credit cards. Temporary Residence visas: © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCACO1 1118 ACCEPTABLE VISAS As per the Credit Policy for Credit Cards. Information correct as at 10 July 2025

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf

Westpac Altitude Terms & Conditions Altitude Rewards Altitude Qantas and Altitude Velocity. Effective as at 30 September 2026

We’re here to help If you have any questions about the Altitude program: Access your Altitude Rewards Account via Online Banking or the Westpac App Call the Altitude Rewards Centre on 1300 887 820 For any questions relating to Frequent Flyer Points please contact your Frequent Flyer Program. For questions relating to your Card Account please call the number on the back of your Card. Accessibility support. If you are deaf, hard of hearing, or have speech/communication difficulty, you can message us within the Westpac App or communicate with us using the National Relay Service www.accesshub.gov.au/about-the-nrs . If English is not your preferred language, contact us and we can arrange a language interpreter. Visit www.westpac.com.au/web-accessibility for further information on the accessible features on our products, services and accessible collateral for people with disability, who are neurodivergent or where English is not your preferred language.

3 Contents

When these Terms and Conditions apply ............................................................ 4
Selecting and switching between Altitude programs ..................................... 4
Earning Points ................................................................................................................ 5
Redeeming Altitude Points for a reward .............................................................. 7
Frequent Flyer Programs ............................................................................................ 9
Managing your Points .................................................................................................. 9
Communicating with each other ........................................................................... 11
Points themselves do not have monetary value ............................................. 11
Changes to these Terms and Conditions and Altitude ................................. 11
Termination .................................................................................................................. 12
Right of assignment .................................................................................................. 12
Meaning of Important Words ................................................................................ 13

When these Terms and Conditions apply You are treated as having agreed to be bound by these Terms and Conditions when you activate your Altitude Card or you or an Additional Cardholder first make a transaction. These Terms and Conditions govern: • earning Points on your Altitude Card issued by Westpac; and • redeeming Altitude Points for a reward. Frequent Flyer Points redemptions are covered by the terms and conditions of the applicable Frequent Flyer Program. For more details please contact your Frequent Flyer Program. The use and operation of your Card is also subject to separate Terms and Conditions which were provided by Westpac. You can contact Westpac to request an additional copy at any time.
Selecting and switching between Altitude programs When you apply for your Altitude Card you will choose one of the following rewards programs to apply to your Card Account: • Altitude Rewards (to earn Altitude Points); • Altitude Qantas (to earn Qantas Frequent Flyer Points); or • Altitude Velocity (to earn Velocity Frequent Flyer Points). You may request to switch between rewards programs that are available to your Card Account. Once processed, you will stop earning Points in the previous program and Points earned prior to the switch will not be converted to Points in the new rewards program. Fees apply for each rewards program and will be disclosed in your Card Account’s Financial Table.

5 3. Earning Points 3.1 How do you earn Points? You earn Points for each transaction on your Card Account unless the transaction is ineligible for a reason set out in Clause 3.2. Points will be deducted when a transaction is refunded or reversed. Points are awarded or deducted based on the earn rate applicable on the day a transaction is processed. 3.2 When will you not earn Points? You will not earn Points on: • all fees and interest charges; • Cash Advances; • Balance Transfers; • purchases that are declined on your PartPay Card; • transactions made using bill payment services such as B PA Y ® or Post Billpay; or • Government Related Payments. You will also not earn Points (and cannot redeem Altitude Points) if: • you have not paid the Minimum Payment Due in full and on time; • your Card is blocked or cancelled or your Card Account is blocked or closed; • there is fraud on your Card Account; • your Card has been reported as lost or stolen; • your Card is used for business related purposes; or • you do not comply with any of your important obligations under the Terms and Conditions of your Card Account (including making sure you do not exceed your authorised credit limit). We may adjust your Points balance by the amount of any Points awarded in any of the above circumstances. Notwithstanding the above, we may allow you to redeem some or all of your Points at our discretion. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

6 3.3 Earning Frequent Flyer Points on the Altitude Qantas and Altitude Velocity Programs. When you choose the Altitude Qantas or Altitude Velocity Program, the Points you earn under Clauses 3.1 and 3.2 are credited to your Frequent Flyer Program. For this to happen you must: • be a member of the associated Frequent Flyer Program; • advise us of your valid Frequent Flyer membership number; and • ensure the first and last name of your Frequent Flyer membership matches the first and last name we have on record for you. When we don’t have your Frequent Flyer membership number or your full name doesn’t match, the Points will be shown on your statement as ‘earned’ but not ‘transferred’. If you correct the issue within four (4) months of opting-in to the relevant rewards program the Points previously earned will be transferred. Otherwise they will be forfeited. Membership of a Frequent Flyer Program is subject to the terms and conditions of that program and fees may apply. 3.4 How many Points will you earn? Points are calculated on the Australian dollar value of eligible transactions posted to your Card Account, rounded down to the nearest whole dollar. Only whole Points will be awarded and fractions of Points will be discarded at the time points are awarded. A cap may apply to the number of Points that you can earn in any statement period. To find out how many Points you earn per dollar, when you will receive Points, the Points cap that may apply to your Card Account and how to earn Bonus Points please visit westpac.com.au/ccrewards or call us on 1300 887 820.

7 4. Redeeming Altitude Points for a reward 4.1 What are the rewards? Information on the rewards available and how many Altitude Points are needed to redeem the rewards can viewed on your Altitude Rewards Account which can be accessed via Online Banking or the Westpac App. Alternatively, you can contact the Altitude Rewards Centre using the number shown at the front of this document. All rewards are subject to availability and substitutions may be necessary. We will only substitute rewards where they are comparable. Please ensure you read the specific conditions set by the reward provider before redeeming. If there is any inconsistency between the specific conditions and these Westpac Altitude Terms and Conditions, the specific conditions set by the reward provider will apply. 4.2 How do you redeem your Altitude Points for a reward? You can redeem your Altitude Points via your Altitude Rewards Account which can be accessed via Online Banking or the Westpac App. Alternatively, you can contact the Altitude Rewards Centre on 1300 887 820 . To redeem your Altitude Points you must: • be the Account Holder (Additional Cardholders cannot redeem rewards); • have a balance of at least 3,000 Points unless we advise you otherwise; and • have enough Points in your balance at the time of your claim. Your Altitude Points can be combined with Altitude Points earned on another eligible Altitude Card Account when the account is in your name. You cannot combine your Altitude Points with Altitude Points earned on an account in someone else’s name.

8 Unless we specifically advise you otherwise, you cannot cancel or change a reward claim once your redemption is processed, nor can you exchange or return a reward to obtain a re-credit of Altitude Points because you change your mind. We are not responsible if you cannot redeem your Altitude Points for a reward for reasons beyond our control. If your Card Account is closed, or you switch into a rewards program other than Altitude Rewards, it may affect the way that you redeem Altitude Points and/or the rewards available for redemption. For example, you may need to redeem your Altitude Points through the Altitude Rewards Centre rather than via Online Banking. 4.3 Delivery of Rewards. Neither we nor our agents are responsible if a reward is lost, stolen or damaged after it has been dispatched for reasons beyond our reasonable control. 4.4 Pay with Points. We may allow you from time to time to use the ‘Pay with Points’ feature to redeem Altitude Points and receive a credit (cashback) to your account shortly after making an eligible purchase. This credit amount is applied to your credit balance and will appear on your statement as a separate transaction. We will provide information about how Pay with Points works in the Westpac App and/or our website, including: • any restrictions on the value and types of transactions that you can apply Pay with Points to; • your ‘Rewards Available’, which is the dollar amount of credit/cashback you could redeem if you use Pay with Points on your next eligible purchase; and • any minimum value of Rewards Available that you need before you are eligible to use Pay with Points.

9 Your Rewards Available figure is based on your current balance and our current conversion rate, which we may change from time to time. Any credits you receive through using Pay with Points do not count as payments to your account for the purposes of your payment obligations under your credit contract. Clause 8 provides that Altitude Points are not property or money, and have no cash value. By displaying an amount of Rewards Available to you in the Westpac App, we do not intend to suggest or imply anything contrary to Clause 8. 5. Frequent Flyer Programs Westpac is not responsible for any Frequent Flyer Program in any way. If changes are made to a Frequent Flyer Program or it is discontinued, we will not be responsible for the impact this may have on Points earned through use of your Card. We make no express or implied warranty or representation in connection with Frequent Flyer Points and are not liable for any loss you suffer arising in connection with them, including loss suffered due to a Frequent Flyer Program ceasing its operations. 6. Managing your Points 6.1 How long do you have to use your Points? Altitude Points do not expire while your Card Account is open and you remain enrolled in Altitude Rewards. If your Card Account is closed, you must use your Points within 90 days. Altitude Points expire upon the death of the Account Holder. However, if we are notified within six months of the Account Holder’s death, we will convert the remaining Altitude Points to a statement credit to the Card Account. We will use the rate that applies to an ‘Altitude Card Fee rebate’ at that time, which is available by contacting the Altitude Rewards Centre.

10 For details regarding Frequent Flyer Point expiry please contact your Frequent Flyer Program. 6.2 How can you keep track of your Points balance? You may check your Altitude Points balance at any time on your Altitude Rewards Account which can be accessed via Online Banking, the Westpac App or by contacting the Altitude Rewards Centre. To check your Frequent Flyer Points balance please contact your Frequent Flyer Program. If your Altitude Card is issued by Westpac, your Card statement will show for the period covered: • your Altitude Points balance, including Altitude Points earned and redeemed; and • any Frequent Flyer Points earned and credited to your Frequent Flyer Account. 6.3 What should you do if you have questions relating to the Points information? If you have any questions relating to the Points information displayed on your Card statement, please contact the Altitude Rewards Centre. If you believe you are missing Points you must contact us within six months of the date of the relevant Purchase. You may be required to send copies of the relevant sale receipts or the Card statement showing the Purchase. Before you do this, please check your Card statement and Points record carefully. We may adjust your total Points balance if Points have been incorrectly credited or debited for any reason.

11 7. Communicating with each other We will send communications in connection with the Altitude program to the postal or email address that we have on record. You must tell us if you change your postal or email address. For Altitude Cards issued by Westpac we may also send communications through Westpac Online Banking. Details of how you can contact us are included at the front of this document. 8. Points themselves do not have monetary value Points are not property or money, cannot be transferred to another person and have no cash value. Altitude Points can only be used to redeem rewards as outlined in Clause 4. Frequent Flyer Points will only be transferred to your Frequent Flyer Account as outlined in Clause 3.3. 9. Changes to these Terms and Conditions and Altitude We may change these Terms and Conditions and other aspects of the Altitude program at any time. For example, we may: • change the way you earn Points, or the amount of Points you earn on your Altitude Card issued by Westpac; • introduce fees or vary fees we have introduced on your Altitude Card issued by Westpac; • change the way you redeem Altitude Points, or the amount of Altitude Points required to redeem for a reward; • change the rewards that are available through Altitude Rewards and the specific conditions on which those rewards are made available. We will provide at least 30 days prior notice of changes, unless: • a change is necessitated by an immediate need to restore or maintain the security of our systems or of individual accounts; or

12 • a change is necessitated by changes in law, an official directive or the guidelines or requirements of a regulator; or • a change is necessitated by changes to a Frequent Flyer Program; • we reasonably consider the change to be non-material; or • the change is beneficial to you. 10. Termination We may terminate the Altitude program at any time but will give you 90 days notice unless it is impractical to do so. We will provide you with a pro-rata refund of any fees you paid for participating in the terminated reward program for the current membership year. 11. Right of assignment We may assign our rights under these Terms and Conditions to someone else. You may not assign your rights under these Terms and Conditions to another person.

13 12. Meaning of Important Words Term Meaning Account Holder The person who opens the Card Account with us. Altitude The rewards programs operated by us on these Terms and Conditions comprising Altitude Rewards, Altitude Qantas and Altitude Velocity. Altitude Card or Card A Westpac branded Altitude credit card, including a PartPay Card that is linked to a Westpac branded Altitude credit card, issued by Westpac (or, in relation to Points redemption, any card issued by American Express prior to 24 February 2021). Card Account Means the credit card account linked to your Altitude Card. For the avoidance of doubt, if you have a PartPay Card linked to your Altitude Card, your PartPay Card will also form part of the Card Account.

14 Term Meaning Cash Advance A transaction where you: • withdraw cash; • pay for items we consider to be equivalent to cash (for example, foreign currency, traveller’s cheques, money orders or stored value cards); • transfer funds to another account or stored value card (for example, a bank account, trading account or prepaid card) except where this is done as a Balance Transfer; • pay bills over the counter or through a third party (other than BPAY); • pay a Merchant that provides gambling services and products, including merchants that sell lottery tickets; or anything else we treat as being a Cash Advance. We classify transactions using information provided to us by the card scheme (Visa or Mastercard ® ), which tells us about the main type of business conducted by the Merchant. All transactions with Merchants, especially those whose main business is listed above, may be treated as Cash Advances. Mastercard ® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

15 Term Meaning Frequent Flyer or Frequent Flyer Program A program provided by an airline through which Frequent Flyer Points earned can be redeemed for flights and/or other rewards. Government Related Payment A Purchase from or payment to a local, state or federal government or government related agency, including to the Australian Tax Office, Australia Post or to motor vehicle registries. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us the main type of business conducted by the Merchant. We will treat any transaction that the card scheme tells us is government related as a Government Related Payment. Point A rewards Point that has been earned under either the Altitude Rewards, Altitude Qantas or Altitude Velocity programs. Westpac Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. we or us Altitude Rewards Pty Ltd (ACN 099 127 376), a wholly owned subsidiary of Westpac Banking Corporation, in connection with the earning and redeeming of Altitude Points; or Westpac Banking Corporation, in connection with the earning of Frequent Flyer Points. You The Account Holder. Unless they are defined above, terms which have a defined meaning in the Card Account Terms and Conditions will have the same meaning in these Westpac Altitude Terms and Conditions. Where there is a reference to a document, the reference will also apply to any variation or replacement of that document.

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Westpac acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCARQ001 0926

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf

WESTPAC CREDIT CARDS • Terms and Conditions • Credit Guide • Information Statement. Effective date: 27 June 2024

We’re here to help For general enquiries relating to your Card Account or to report a problem please contact us using any of the methods below. You must contact us immediately if your Card is lost or stolen or you believe your PIN or other passcodes have been compromised (this may stop you being liable for some types of transactions (see Clause 8)). Visit us online at westpac.com.au/personal-banking/credit-cards Call us 24/7 on 1300 651 089 if you are in Australia, +61 2 9155 7700 if you are abroad Visit us in branch If you’re experiencing financial hardship and need financial assistance, or have a complaint, please get in touch with us. Customer Solutions and Support. Phone: 132 032 Online: westpac.com.au/contact-us/feedback-complaints Westpac Assist. (If you are experiencing financial difficulties please contact us as soon as possible) Phone: 1800 067 497 Online: westpac.com.au/westpacassist Australian Financial Complaints Authority (AFCA). If you are not satisfied with our response or handling of your complaint you may contact this free, independent external dispute resolution scheme. Phone: 1800 931 678 (free call) Online: www.afca.org.au Email: info@afca.org.au Mail: GPO Box 3, Melbourne VIC 3001 Accessibility support. At any time, you can inform us how you would prefer to be contacted. If you are deaf and/or find it hard hearing or speaking with people who use a phone, you can reach us through the National Relay Service (NRS). To use the NRS you can register by visiting accesshub.gov.au/about-the-nrs Visit westpac.com.au/web-accessibility for further information on our accessible products and services for people with disability.

3 Contents We’re here to help ...................................................................................................... 2 Important Information .............................................................................................. 4 Terms and Conditions ................................................................................................ 6 1.0 About your contract with us. ............................................................................................ 6 2.0 Your Card and PIN. ................................................................................................................. 7 3.0 Using your Card. ...................................................................................................................... 8 4.0 Statements and other communications. .................................................................. 12 5.0 Fees and interest. .................................................................................................................. 13 6.0 Paying your Card Account. .............................................................................................. 18 7.0 Westpac SmartPlan. ............................................................................................................ 19 8.0 What to do if you have a problem. ............................................................................. 22 9.0 Closing your Card Account or cancelling your Card. ....................................... 24 10.0 Our additional obligations and rights. ...................................................................... 26 11.0 Meaning of important terms. ......................................................................................... 28 Credit Guide ............................................................................................................... 31 Information Statement ........................................................................................... 34

4 Important Information These Terms and Conditions, together with your Financial Table, set out the terms of your Credit Card Contract. It is important that you read all of the terms of your Credit Card Contract. However, set out below are some of the key terms that you should be aware of before agreeing to enter into the Credit Card Contract: • As set out in our Privacy Policy and Privacy Statement, we may collect information about you and about your use of the Card Account, and disclose such information to third parties (this may include suppliers and service providers, credit reporting bodies and government agencies). This means that third parties may hold and use personal information about you. • You must use your Card Account primarily for personal and household expenses. This means that we may cancel your Card if we believe that you are using your Card Account mainly for business purposes. See Clause 3.1 for further details. • We may decline to authorise a transaction without prior warning to you for various reasons, including if your Card Account is in arrears, the transaction would cause you to exceed your credit limit or we believe the transaction may involve fraud or illegality. See Clause 3.5. • You must promptly tell us if your contact details change. If you don’t provide up to date contact information, this may impact your rights under the Credit Card Contract. See Clause 4.2. • In certain circumstances, you may be liable for unauthorised use of any Card issued on your Card Account. See Clauses 2.1 and 8.1 for circumstances where you may be liable. • We may cancel your Card or block your Card Account in certain circumstances without giving notice. Examples of where this may occur are if we suspect fraud or need to take action to prevent losses or you are in default under your Credit Card Contract. See Clause 9.2 for further details of when we can do this. • If you are in default (which is described in Clause 9.3), we may require you to immediately repay the entire balance of your Card Account and you may be liable for reasonable enforcement expenses if we take enforcement proceedings to recover amounts owing to us. See Clause 9.3.

5 • If your Card Account is closed or your Card is cancelled, you must destroy any physical Card you have received. You will be liable for recurring payments and transactions debited to your account prior to the Card Account being closed. Even if your Card is cancelled or the Card Account is blocked, you still need to comply with your obligations under the Credit Card Contract, including any payment obligations. See Clause 9.4 for further details. • We may use your funds held in one account to repay amounts owing to us on another account. See Clause 10.1. • We may vary your Credit Card Contract without your consent and, in some cases, without prior notice. See Clause 10.3 for details of the changes we can make and how we can make them.

6 Terms and Conditions 1.0 About your contract with us. 1.1 Introduction. These Terms and Conditions govern all Westpac-brand consumer Credit Cards issued by Westpac. 1.2 The Credit Card Contract. The Credit Card Contract is made up of these Terms and Conditions along with the Financial Table attached to the letter of offer that we sent you (both contain some of your pre-contractual information). Please read these documents together and keep them. 1.3 When the contract is formed. The Credit Card Contract between you and us is formed and these Terms and Conditions take effect when you activate the Card Account, accept the Credit Card Contract using any other method we make available, or when the first transaction is made on the Card Account. We may issue you a PartPay Card at your request. This is at our discretion and the PartPay Card may not be available at certain times or for certain credit card products. If we agree to issue you a PartPay Card, the PartPay Terms will be incorporated into your Credit Card Contract between you and us and take effect after you accept the terms in your Mobile Banking App (or accept the terms using any other method we make available) and we have made your PartPay Card available to you in your Mobile Banking App. 1.4 Codes of practice. The relevant provisions of the Banking Code of Practice apply to the services referred to in this document. We will comply with the Banking Code of Practice and the ePayments Code where they apply to the Card Account. • You can view a copy of the Banking Code of Practice on our website or ask us for a hard copy at one of our branches or over the phone. • You can also view a copy of the Banking Code of Practice on the Australian Banking Association’s website: www.ausbanking.org.au • The ePayments Code can be found on ASIC’s website: www.asic.gov.au

7 2.0 Your Card and PIN. 2.1 Protecting your Card and PIN. When a Card (other than a PartPay Card) is issued we will also provide you with a personal identification number (‘PIN’) or instructions on how to generate a PIN. When a PartPay Card is issued, the PIN for the card will be the same as the PIN on your linked Card. If we issue a PartPay Card to an Additional Cardholder then the PIN on their card will be the same as the PIN on their linked Additional Card. If you or an Additional Cardholder later change your linked Card PIN then the PIN for your PartPay Card will not automatically change. If you or an Additional Cardholder would like the same PIN for both Cards then you or the Additional Cardholder will need to separately change the PIN on the PartPay Card. Your PIN is used to securely identify yourself and approve transactions. You must sign your Card (other than a PartPay Card) as soon as you receive it and keep it with you or in a safe place at all times. You do not need to sign a PartPay Card as it is a digital card. Do not select a PIN that represents your birthdate or could be easily guessed. Do not tell anyone your PIN (including family and friends) and do not write it on your Card (or anything you keep or carry with your Card). You should try to memorise your PIN. However, if you need to keep a record of it you must take reasonable steps to properly hide or disguise it (such as hiding it among other records or putting it in a place where a PIN would not be expected to be found) or protect it from unauthorised access (such as keeping it in a secured locked place). It is important that you take proper steps to protect your Card and PIN. If you do not, you may be liable if someone uses your Card without your permission (see Clause 8 for more detail). 2.2 Card validity and ownership. All Cards are the property of Westpac. We may (but do not have to) issue a new Card to you at any time. Your Card must not be used after its expiry date. 2.3 Additional Cards. You can ask for a Card (other than a PartPay Card) to be issued to another person aged 16 years or over. That card is referred to as an Additional Card and that person is referred to as the Additional Cardholder. Where these Terms and Conditions refer to obligations relating to ‘your Card’, those obligations will also apply to the Additional Card (for example PIN security). You must require each Additional Cardholder to confirm that they have read

8 the Terms and Conditions because you remain responsible for all aspects of the Card Account including: • any usage by the Additional Cardholder; and • any breach of your Credit Card Contract caused by the Additional Cardholder. By nominating an Additional Cardholder, You authorise the Additional Cardholder to act on your behalf to request a replacement card where the Additional Cardholder’s existing card is lost, damaged or stolen, except where the card has been cancelled by You. An Additional Cardholder will have access to the Card Account but will not be able to change the credit limit, close the account, or ask for a replacement Card after it has been cancelled by you. Additional Cards are not available on Westpac Student Visa Accounts. You do not need to ask for a PartPay Card to be issued to an Additional Cardholder. For details on how an Additional Cardholder can use a PartPay Card see Clause 3.3 of the PartPay Terms. 3.0 Using your Card. 3.1 What you can use your Card for. You can use your Card (other than a PartPay Card) to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. Where your Card has been linked to a Westpac deposit account, you can use the Card to make purchases or withdraw cash from the linked account at eftpos terminals and ATMs by selecting the cheque or savings account options. You can only use a PartPay Card to make eligible Purchases. See the PartPay Terms for more details. All Cards must be used mainly for personal or household expenses. If we believe your Card is being used mainly for business related expenses, we may transfer you to another product or cancel your Card. Your Card must not be used for any illegal purpose or in a way that would breach international sanctions. Cash Advances are not permitted on the Westpac Lite Card, or on a PartPay Card. However, if you do attempt to make a Cash Advance, there may be circumstances where we are unable to block it. If this happens on a Westpac Lite Card then the transaction will be treated as a Purchase and you must

9 still repay the resulting balance. If this happens on a PartPay Card then the transaction will be treated as a PartPay Purchase and you must repay the amount in accordance with Clause 5.1 of the PartPay Terms. 3.2 Where you can use your Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard® signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases • through payment terminals, e.g. at a shop, etc. • online • within a mobile app • by telephone • through mail order Withdraw Cash • at an ATM • at a Bank branch 3.3 Recurring payments. You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion. If a Merchant is using Tokenised Credentials your Card details may be automatically updated (for example, if your Card is reissued or replaced). In those circumstances, reissuing or replacing a card may not stop recurring payments with that merchant. You should update your details with the Merchant whenever your Card details change. If you wish to cancel or change a recurring payment arrangement you should contact the Merchant directly before the next payment is due. Depending on your agreement with the Merchant, if you do not leave enough time, you may still be liable for that payment. If a Merchant does not act on your instruction to cancel a recurring payment you may contact us to dispute the transaction on your behalf. Please see Clause 8.1 for details on how to dispute a transaction.

10 3.4 Foreign transactions. You may be charged Foreign Transaction Fees (as set out in the Financial Table or advised to you from time to time) on all Foreign Transactions. A Foreign Transaction is any transaction made in a foreign currency or processed outside Australia. This includes transactions made while you are in Australia where the Merchant or financial institution processing the transaction is located outside Australia (even if you are not aware of this). Any transaction in a foreign currency will be converted into Australian Dollars by the card scheme (either Visa or Mastercard) that processes the transaction at an exchange rate they set. If this transaction is later reversed or refunded in full or in part, the exchange rate used for the reversal or refund may differ from that used for the original transaction. Some Merchants and ATM operators allow you to convert a foreign currency into Australian Dollars at the time of purchase. If you select this option the exchange rate will be set by the Merchant or ATM operator and you may still be charged a Foreign Transaction Fee. 3.5 Confirming and authorising transactions. There are a number of ways you may be able to confirm a transaction. These include: • signing your name • holding your mobile device (if your Card is enrolled in a digital wallet), or physical Card in front of a contactless payment device • entering your PIN • entering your Card details and any other information required. Before you do so, you must check that the transaction amount is correct and you are sure you wish to proceed with the transaction. After you have confirmed a transaction it may need to be authorised. The amount you can access on the Card Account will then reduce. Sometimes a transaction will not be completed after it is authorised, such as where it is reversed by a Merchant. If this happens, the amount you can access may still be reduced for up to four business days. We reserve the right not to authorise any transaction but we will typically only do this where: • the transaction would cause you to exceed any of the limits that apply to your Card (more detail on limits can be found in Clause 3.6); • we believe the transaction may involve fraud; • the Card Account is in arrears; or • we believe the transaction may be illegal or prohibited by international sanctions.

11 3.6 Limits that apply. Your Card Account has a credit limit and a transaction limit. Credit limit – This is the total amount you can access on your Card Account and is initially listed in your Financial Table. All authorised transactions (including holds placed on your Card Account) reduce the amount you can access even if they have yet to be processed to your Card Account. Some transactions may proceed even though they may take the Card Account balance over the credit limit. If this happens, any amount above your limit is payable immediately and you may incur an over-limit Fee. If you ask us to, we will reduce your credit limit (subject to any minimum credit limit that applies to the Card Account). If you wish to reduce the credit limit to a level below your outstanding balance you must first repay the difference. Transaction limit – This is the daily limit, as initially listed on your Financial Table, that applies to the combined value of the following transactions made with your Card: • ATM cash withdrawals • Bank@Post transactions • Transactions you charge to any linked deposit accounts by selecting the cheque or savings option. Some Merchants and ATM operators may apply their own additional restrictions. 3.7 Gambling blocks. If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu. Once we process your request we will decline all transactions for the Card Account where: • the card scheme (Visa or Mastercard) tells us that the Merchant offers gambling services; and • we receive an authorisation request for the transaction. If you ask us to cancel this service, it may take two business days for your request to take effect. This service will not prevent all gambling transactions. For example, it will not prevent gambling transactions: • that are recurring Card payments you have authorised before making the request • through B PAY ® transactions or cash withdrawals

12 • in any other cases where we do not receive an authorisation request (for example if our systems are offline or the Merchant automatically approves the transaction). 3.8 Processing of transactions. We will determine the order in which we process transactions on any given day, based on our business systems and processes. This means for example that transactions may not be processed in the order they were made. The processing order can affect how transactions are treated, including for the purposes of applying interest charges. Please contact us if you have any queries. 4.0 Statements and other communications. 4.1 Statements. We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically. We use statements to provide you with information, including changes to your Card Account, these Terms and Condition (see Clause 10.3 for more information) or the PartPay Terms (if applicable). If you have any questions about an item on your statement please call us. 4.2 Keeping your contact details updated. You must promptly tell us if your contact details change (including your mailing address, email address and telephone number). If you do not do this it may impact your rights under the Credit Card Contract and you may miss out on other important information. For example, we may not be able or required to send you certain notices or statements. 4.3. Checking your statements regularly. Sometimes we get things wrong. Where we do, we will work to make things right. You will not be liable for any fees, charges or interest that we incorrectly charge to your account contrary to our applicable terms and conditions. Please check the entries listed in your account statements regularly, and if you see an error please contact us promptly on 132 032.

13 5.0 Fees and interest. 5.1 Fees and interest rates. You must pay the Fees that we post to your Card Account. Information about current standard Fees and any Annual Percentage Rates is available on request. You can also access this information online at: westpac.com.au/personal-banking/credit-cards 5.2 Interest free period. An interest free period may apply to the Purchase Balance on your card. Please refer to the Financial Table attached to your letter of offer or visit us online at westpac.com.au to see whether an interest free period may apply. If your card comes with an interest free period on the Purchase Balance, you won’t incur interest on the Purchase Balance during the interest free period if you meet the conditions set out below. If your new Card Account has interest free days, you will automatically have an interest free period up to and including the first payment due date on your statement. Whether the interest free period will continue to apply will depend on whether you have paid the relevant amount outlined in the table below.

14 If you do not have a Balance Transfer, a Smart Plan or a PartPay Card If you do have a Balance Transfer, a SmartPlan or a PartPay Card The interest free period will continue to apply as long as you pay the closing balance shown on your statement by the due date each month. The interest free period will continue to apply as long as you pay the Monthly Payment Balance shown on your statement by the due date each month. Your Monthly Payment Balance is calculated so that you do not need to pay off your entire Balance Transfer or SmartPlan Balance to enjoy your interest free period. Your Monthly Payment Balance is calculated so that you do not need to pay off your PartPay Balance at all to enjoy your interest free period. If you set up a SmartPlan after we have sent you a statement, the amount you need to pay that month to maintain your interest free period will be the Monthly Payment Balance shown on your statement minus the amount you transfer onto the new SmartPlan. Your interest free period will end on your due date if the relevant amount outlined in the table above (as applicable) is not paid in full. While you have a Balance Transfer or SmartPlan Balance, your interest free period will end on your due date if the Monthly Payment Balance is not paid in full. This means you will incur interest on any new Purchases and your outstanding Purchase Balance (regardless of when particular Purchases were made). A new interest free period will start the next time you pay your closing balance or Monthly Payment Balance (as applicable) in full by the due date. You may see interest charges on your next statement even after paying the closing balance or Monthly Payment Balance in full by the due date. This usually happens where you did not pay the previous closing balance or Monthly Payment Balance in full by the due date (the new interest charges are for the period between your last statement and when you paid the closing balance or Monthly Payment Balance).

15 5.3 Calculation and application of interest charges. Unless you satisfy the interest free period conditions set out in Clause 5.2, you must pay interest on all amounts outstanding on the Card Account (other than on amounts outstanding on your PartPay Balance). Interest charges are applied at the end of each statement period, but are calculated daily based on the amounts outstanding on the Card Account (excluding amounts outstanding on your PartPay Balance) at the end of each day. Your Card Account balance is divided into ‘balance categories’ and this determines the Annual Percentage Rate that applies and when interest begins to be charged. • Table 1 shows what is included in each balance category and which Annual Percentage Rate applies to each balance category. • Table 2 shows when interest begins to be charged on different parts of your balance. On each day the outstanding balances for each category are multiplied by the applicable Annual Percentage Rate(s) divided by 365. The total amount of interest due is calculated by adding together all of the daily values across each day of the statement period.

16 Table 1 Balance category Items included in balance category Annual Percentage Rate that applies Purchase Balance Purchases and interest charged on your Purchase Balance All Fees except Cash Advance Fees, Balance Transfer Fees and SmartPlan Fees Missed PartPay Payment Purchase Rate Cash Advance Balance Cash Advances, Cash Advance Fees and interest charged on your Cash Advance Balance Cash Advance Rate Balance Transfer Balance(s) Balance Transfers, Balance Transfer Fees and interest charged on your Balance Transfer Balance Balance Transfer Rate(s) SmartPlan Balance(s) SmartPlans, SmartPlan Fees and interest charged on your SmartPlan Balance SmartPlan Rate(s) PartPay Balance PartPay Purchases Foreign Transaction Fees 0.00% Other Balance Any other amounts As separately disclosed to or agreed with you

17 Table 2 Item Interest Charged from Purchases and Cash Advances The day you make the Cash Advance or Purchase (subject to any interest free period described in Clause 5.2) Interest charges, annual Fees and monthly Fees The day after the interest charge or Fee is applied to the Card Account All other Fees The day the Fee is applied to the Card Account Balance Transfers The day the Balance Transfer is transferred to the Card Account* Missed PartPay Payments The day the Missed PartPay Payment is included in your Purchase Balance*** SmartPlans The day the SmartPlan is activated** Any other amounts As separately disclosed to or agreed with you *At the expiry of the promotional period applicable to a Balance Transfer, the remaining balance will become part of the Purchase Balance or Cash Balance in line with the terms of the promotional offer. **If any SmartPlan Balance remains outstanding at the end of the SmartPlan term it will be transferred back to your Purchase Balance, Cash Advance Balance or Balance Transfer Balance (depending on where the balance was prior to being on a SmartPlan) and will have interest applied accordingly. ***See your PartPay Terms for details on when a Missed PartPay Payment is included in your Purchase Balance. 5.4 Adjustments. If you make a Purchase (other than a PartPay Purchase) that is later refunded you will be charged interest on that Purchase for the period between the date of the original transaction and the date of the refund unless an interest free period applies. We will adjust your Card Account in relation to the relevant Purchase amount if we discover an error, a payment to the Card Account is dishonoured, or transactions are reversed following a dispute or unauthorised use. In the case of a PartPay Balance payment we may also adjust a PartPay Payment Schedule.

18 6.0 Paying your Card Account. 6.1 How much you have to pay each month. You must pay at least the Minimum Payment Due as shown on each statement by the due date. If you fail to do so, we may apply a Missed Payment Fee to the Card Account. (Please refer to your Financial Table for the Fees applicable to your account.) You can choose to pay more than the Minimum Payment Due. Account credits such as refunds, reversals, cashback and overpayments in prior months, do not count towards the Minimum Payment Due. PartPay Balance payments credited to your Card Account between your statement date and the due date for that statement, will count towards the Minimum Payment Due. If you cannot make a payment, you must contact us promptly as we may be able to help you. 6.2 How you can make your payment. Payments (other than PartPay Balance payments) must be made in Australian Dollars using one of the ways listed in your statement. You can also opt to have your payment made automatically through our Card Autopay facility, further details of which can be found at: westpac.com.au/autopay See the PartPay Terms for details on how you can make a PartPay Balance payment. You should allow plenty of time ahead of your payment due date for your payment to reach us, for us to process it and for funds to clear into your account. After we receive your payment we will process and credit the verified amount to the Card Account as soon as we can. You can only access an amount that you have paid once the payment has cleared. Processing and clearing times will depend on how you pay and at what time of day. For more information about processing times, please call us. For Smart ATM processing and cut-off times visit westpac.com.au and search ‘ATM features’. 6.3 How we apply your payments. Payments to the Card Account are applied to:

balances owing on your most recent statement; and then
transactions made since your last statement was issued. Within each balance or group of balances above we pay off the balances in order of the Annual Percentage Rate they attract, from highest to lowest. If the same Annual Percentage Rate applies to more than one amount, we apply the payment to those amounts in the following order:

19 • Interest charges incurred to date; • Fees incurred to date; and • Transactions (such as Cash Advances, Purchases or Missed PartPay Payments). Within each of the three categories above, the payment is applied in the order in which the relevant amount was debited to the Card Account. If you have more than one promotional plan on your account where special terms apply (for example a Balance Transfer offer) and they both have the same Annual Percentage Rate, we will apply payments to the oldest plan first. If you have a SmartPlan see Clause 7.6. If you have a PartPay Card see your PartPay Terms. 7.0 Westpac SmartPlan. 7.1 What is a SmartPlan? A SmartPlan helps you split an eligible large Purchase and part or all of your credit card balance (excluding your PartPay Balance) into manageable instalments. When you set up a SmartPlan your Card Account balance will be split into: • a SmartPlan Balance – this will include all of your active SmartPlans • your Main Account Balance, which is made up of any remaining amounts. Setting up a SmartPlan does not change the credit limit of your Card Account or your obligation to keep your total balance within your credit limit as detailed in Clause 3.6. 7.2 How do you set up a SmartPlan? You can ask us to set up a SmartPlan using Online Banking (either on your desktop or in the Westpac mobile app). Your request may take up to 2 business days, but we will notify you if we accept your request. The maximum number of SmartPlans you can have at one time is eight (8). 7.3 Are there Fees and charges? We will advise you of the Annual Percentage Rate and any Fees that apply to your SmartPlan when you ask for it to be set up. All applicable Fees and interest charges will be added to the total SmartPlan Balance and be included in your instalment payments. When you ask us to set up your SmartPlan, we will provide you with an ‘Estimated Total Repayment’ figure. The actual amount you will pay will vary depending on the date your SmartPlan is activated and on the payments that you make.

20 7.4 How does SmartPlan affect what you need to pay each month? When you set up a SmartPlan you will choose the number of monthly instalment payments you will need to make. To keep the SmartPlan open you need to pay these instalments by the due date on your statement each month. Having a SmartPlan doesn’t change your obligation to always pay the Minimum Payment Due each month as explained in Clause 6.1. 7.5 Does a SmartPlan change Autopay instructions? Setting up a SmartPlan will affect your Autopay. If you have set up Autopay to pay a fixed dollar amount or a fixed percentage of your balance you will need to update your preference before you can request a SmartPlan. If you have a PartPay Card, it will not affect your Autopay for that card as that arrangement only applies to your PartPay Payments. To set up a SmartPlan you must change your Autopay instruction to either pay the: • Monthly Payment Balance – to retain interest free periods; or • Monthly Payment – to meet your minimum payment requirements on your Main Account Balance and pay your SmartPlan instalment. If you already have Autopay set to one of these options the amounts collected will be automatically adjusted to include any SmartPlan instalments. Regardless of any changes due to you setting up a SmartPlan, Autopay will always collect at least the Minimum Payment Due. 7.6 How does SmartPlan affect how we apply your payments? When you have a SmartPlan we will adjust the order in which payments are applied to your Card Account. Payments will be applied in the following order:

To the SmartPlan instalment(s) shown on your most recent statement *
To your Main Account Balance (excluding your PartPay Balance) in the order as described in Clause 6.3
To any outstanding SmartPlan Balance(s)*
To your PartPay Balance in accordance with Clause 6 of your PartPay Terms *If you have more than one we pay them off in order of the Annual Percentage Rate they attract, from highest to lowest. If two or more SmartPlans have the same Annual Percentage Rate, payments will be applied first to the oldest SmartPlan.

21 By setting up a SmartPlan, you are asking us to apply payments in this way. In some circumstances, this means you might pay more interest than if you did not have a SmartPlan. You can cancel your SmartPlan at any time via Online Banking. 7.7 What happens if you do not pay your SmartPlan instalment in full or pay late? If you do not pay your SmartPlan instalment in full by the due date we may cancel your SmartPlan and move the balance back to the Main Account Balance. We will not refund any Fees you may have paid to set up your SmartPlan. If we allow your SmartPlan to continue we will not adjust your SmartPlan instalments. When this happens you will need to make catch-up payments to ensure your SmartPlan Balance is paid in full by the end of the plan term. If any SmartPlan Balance remains outstanding at the end of the SmartPlan term it will be transferred back to your Purchase Balance, Cash Advance Balance or Balance Transfer Balance (depending on where the balance was prior to being on a SmartPlan) and will have interest applied accordingly. 7.8 When does a SmartPlan end? Your SmartPlan will end: • on the last day of the SmartPlan term; or • when you pay off the full SmartPlan Balance; or • when the SmartPlan is cancelled You can cancel your SmartPlan at any time in Online Banking. We may cancel a SmartPlan if: • You fail to pay your SmartPlan instalment by the due date shown on your statement; or • You make an arrangement with us to pay less than the Monthly Payment; or • You do not comply with your obligations under these Terms and Conditions. We will notify you if we cancel a SmartPlan.

22 8.0 What to do if you have a problem. 8.1 Security problems and transaction disputes. Security problems. If your Card is lost or stolen or you believe your PIN or other passcodes have been compromised you must contact us immediately. If you fail to do so you may be liable for any losses that result from your failure to notify us or any delay in doing so. Unauthorised transactions. If you believe your Card has been used to make transactions without your permission you must contact us immediately so that we can block the Card Account and investigate the issue. Other transaction disputes. If you are not happy with goods and services you have purchased with your Card or you believe the Merchant has charged you incorrectly you should first try to resolve your dispute with that Merchant. If this does not resolve your dispute you may have additional rights under the Mastercard or Visa dispute process. Please call us or use the ‘Dispute this transaction’ function within Online Banking. We encourage you to notify us of the dispute as soon as possible and if we ask you for further information you must provide that information within 14 days (or such longer period as it may be reasonable to allow). Our ability to obtain a refund may be restricted under Mastercard or Visa rules depending on how quickly you notify us. For further information on what to do and the options available to you when problems occur please visit: westpac.com.au/fraud-disputes-lost-stolen-cards

23 Liability for unauthorised transactions and system failures. We apply the ePayments Code to determine liability for any losses that result from unauthorised electronic transactions or systems or equipment malfunctions. The below provides examples of when you may be liable for losses from an unauthorised transaction and when you are not. For more information, see the ePayments Code at ASIC’s website: www.asic.gov.au . When you may be liable * When you are not liable • When you contributed to the loss through fraud or failing to protect your PIN as set out in Clause 2.1 • When you leave your Card in an ATM • When you unreasonably delay in telling us about the misuse, loss or theft of your Card, or that the security of your PIN has been breached • When it is clear that you did not contribute to the loss ** • Losses due to our (or our people’s) fraud or negligence • Transactions incorrectly charged more than once to the Card Account • Unauthorised transactions after you tell us about a Card, PIN or password security issue • Unauthorised transactions that can be made using your Card number and expiry date, without your Card, PIN or other password • Losses arising from a system malfunction where a transaction is not completed in line with instructions you have submitted and that have been accepted by the system

You will not be liable for the portion of losses that exceed your credit limit, or that were incurred in one day in excess of your transaction limit. **Where losses arise from a transaction that requires a PIN and it is not clear if you contributed to the loss your liability will be no more than $150. To avoid liability for transactions involving handwritten signatures, you must also adequately protect your Card. 8.2 Resolving problems and complaints. If you have a problem or complaint, we aim to resolve it at your first point of contact with us. If we cannot do so, we will escalate it to our Customer Solutions Team. If you are not satisfied with our response or handling of your complaint, you may be able to lodge a complaint with the free, independent external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). AFCA’s details can be found at the front of this document.

24 9.0 Closing your Card Account or cancelling your Card. 9.1 Your right to close your Card Account. You may ask us to close your Card Account through Online Banking or by contacting us. When we receive a closure request we will cancel your Cards immediately and close your Card Account (which ends your Credit Card Contract) as soon as your balance is repaid in full. To cancel an Additional Card (but not close the Card Account) please notify us in branch or by phone. To cancel a PartPay Card please see your PartPay Terms. 9.2 Our right to cancel a Card or block the Card Account. We may cancel a Card or block the Card Account without giving notice: • if we suspect fraud or need to take action to prevent losses; • to manage regulatory risk; • where we reasonably believe the use of an account has caused harm (including financial abuse) to another person; or • for any other reason determined by us acting reasonably. We may also cancel a Card or block the Card Account if you are in default. Further details are provided below in Clause 9.3. If your account has a positive (credit) balance when it is closed by you or us, we may: • transfer that amount to another account in your name that you hold with us; and/or • attempt to contact you to return the amount. If we have given you notice and you have not contacted us to seek return of the amount and it is less than $10, we may transfer those funds to a charitable organisation or association. 9.3 Our rights when you are in Default. You are in default if: • You don’t make the required payments when due (for the avoidance of doubt you will not be in default if you do not pay a PartPay Payment by its PartPay Payment Date); • You become bankrupt or enter into any arrangement with creditors; or • You or the Additional Cardholder do any of the following and, in our reasonable opinion, this has a material impact on our credit, legal or reputational risks:

25 − fail to comply with the law; − engage in conduct that is misleading; − use the Card Account for a non-approved purpose. When you are in default the Bank may require immediate payment of all amounts you owe under this Credit Card Contract, including amounts accrued or charged but not yet debited to your account. You may also have to pay reasonable enforcement expenses, including any amount reasonably incurred by the use of our staff and facilities. Before we require immediate repayment in full, you will normally be given 30 days’ written notice to allow you an opportunity to remedy the default. Sometimes we may immediately start enforcement proceedings without providing notice, for example where: • we believe, on reasonable grounds, that we were induced by fraud on your part to enter into this Credit Card Contract; • we have made reasonable efforts to locate you without success; or • a court authorises us to commence enforcement proceedings without notice to you. 9.4 What you must do when a Card is cancelled or the Card Account is closed. When the Card Account has been closed or a Card (other than a PartPay Card) has been cancelled for any reason, you must: • Destroy the Card(s) in a secure manner. If you cannot destroy an Additional Card you must tell the Additional Cardholder not to use the Card and tell us so that we may cancel the Card. • Cancel any recurring payments which are linked to the Card Account because, although a stop may have been placed on the Card Account, the Additional Card may still be used in some circumstances that are out of our control. You will remain liable for recurring payments which have not been cancelled, and transactions debited to the Card Account which were made before closing your account. While the Card Account remains open, even if a Card is cancelled or a Card Account is blocked, you must continue to meet your payment obligations and all other obligations under these Terms and Conditions. Fees and charges including interest will continue to apply until the balance is paid off and the Card Account is closed. Please see the PartPay Terms for details on what you must do when your PartPay Card is cancelled.

26 10.0 Our additional obligations and rights. 10.1 Right of set-off. Where you also have another account with Westpac (for example a deposit account) we may use funds from one to pay amounts owed on the other. Unless specifically allowed under law, you may not set off or deduct any amounts we owe you against amounts you owe on your Card Account. 10.2 Right of assignment. We may assign our rights under your Credit Card Contract to someone else. You may not assign your rights under your Credit Card Contract to another person. 10.3 Right of variation. We may make the following changes to the Credit Card Contract: • Changes to interest (including changing the Annual Percentage Rate(s) or how we calculate and apply interest); • Changes to your payments (for example, how much, how they are calculated or when or how often you need to pay); • Changes to Fees (including introducing new Fees, changing the amount of them or the time of payment); • Changes to credit or transaction limits (including reducing your credit limit); • Other changes that: − reflect changes in law, official directives, or the guidance from a regulator; − reflect changes to our business or systems; − reflect current industry or market practice or conditions; − are administrative or correct a mistake; − we reasonably think you will benefit from; − are reasonably necessary to protect our legitimate interests. We will generally apply these changes to a class of customers or a product, but where they reflect changes to a credit limit, our risk associated with you, a mistake on your account or will be beneficial to you, we may apply them just to you.

27 How and when we notify you of changes. Changes to Annual Percentage Rates How In writing (which may be on your statement) or a notice we publish* When As soon as reasonably possible, but no later than the day the change happens. Changes to Fees How In writing (which may be on your statement) or a notice we publish* When As soon as reasonably possible. However, if we believe the change is unfavourable to you , we will give you notice at least 30 days in advance.** Changes that reduce your obligations, extend the time for payment How In writing (which may be on your statement) When As soon as reasonably possible but no later than the next statement after the change takes effect. Any other changes (including reducing your credit limit or changes that we believe are unfavourable to you) How In writing (which may be on your statement) When As soon as reasonably possible, at least 30 days in advance.** *We may use a range of means of publishing a notice from time to time, including in a newspaper, on our website or our Online Banking app, or a combination of one or more of these. We will also inform you of the change before or when we send you the next statement after the change takes effect. **Where it is reasonable for us to manage a material and immediate risk (for example, you are in default, or your Card Account has been inactive for 6 months), or immediately restore or maintain the security of one of our systems, or a Card Account, we may make unfavourable changes with less notice or no notice. Where we are allowed to do so, we can notify you of changes electronically (e.g. by email or messages in Online Banking).

28 10.4 Tax Reporting Obligations. We are required under domestic and international laws to collect and report financial and account information relating to individuals and organisations who are, or may be, foreign tax residents. We may ask you whether you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident from time to time, such as when you open an account with us, or if your circumstances change. If you do not provide this information to us, including information about the foreign tax identification number for all countries you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident of, we may be required to limit the services we provide to you. This could include not opening your product, or limiting functions or services of your product, or closing it. Unless you tell us otherwise, by completing any application for products covered by these terms and conditions, you certify that you, any shareholder, named beneficiary, settlor or controlling person is not a foreign tax resident. You must tell us if you, or any shareholder, named beneficiary, settlor or controlling person is, or becomes, a foreign tax resident (unless an exemption applies, such as for shareholders of listed companies). Where there are no named beneficiaries (e.g. for beneficiaries identified only as a class) you must tell us if a beneficiary is a foreign tax resident immediately when any decision is made to identify such beneficiary and, in any case, before such distribution is to be made to them. You may contact us to provide foreign tax residence information by calling 1300 725 863. We cannot give tax advice, so please contact your independent tax advisor if you need help finding out whether any person is a foreign tax resident. 11.0 Meaning of important terms. Annual Percentage Rate – An annual interest rate that applies to a balance category (e.g. Purchases, Cash Advances or Balance Transfers) of your Card Account as specified in the Financial Table, as advised to you from time to time or as specified in a promotional offer. Balance Transfer – A balance transferred to your Card Account from another card account to which specific terms may apply. Bank, Westpac, our, we, or us – Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Card, or Credit Card – Any credit card (whether in plastic or digital form) issued by us to you or to an Additional Cardholder, which can be used to access credit on your Card Account, and includes, for the avoidance of doubt, any PartPay Card.

29 Card Account – The account used to record transactions under the Credit Card Contract. Cash Advance – A transaction where you: • withdraw cash • pay for items we consider to be equivalent to cash (for example; foreign currency including cryptocurrency, traveller’s cheques, money orders or stored value cards) • transfer funds to another account or stored value card (for example a bank account, trading account or prepaid card) except where this is done as a Balance Transfer • pay bills over the counter or through a third party (other than B PAY ) • pay a Merchant that provides gambling services and products, including Merchants that sell lottery tickets, or anything else we treat as being a Cash Advance. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. All transactions with Merchants, especially those whose main business is listed above, may be treated as Cash Advances. Financial Table – The document attached to your letter of offer that forms part of your Credit Card Contract and contains important details such as the interest rates and Fees that apply to your Card Account. Fees – Fees and charges that apply to your Card Account as specified in the Financial Table, as advised to you from time to time, or as specified in a promotional offer. Main Account Balance – The balance of your Card Account less any SmartPlan Balance. Merchant – A provider of goods or services who accepts payment by Card. Minimum Payment Due – The minimum payment you must make each month under your Credit Card Contract. Details of how this is calculated are set out in the Financial Table or advised to you from time to time. Minimum Payment Due on Main Account Balance – The minimum payment that relates to your Main Account Balance. Calculated the same way we work out the Minimum Payment Due but using the Main Account Balance instead of the whole closing balance of your Card Account to work out that amount. Missed PartPay Payment – Has the meaning given to that term in Clause 4 of the PartPay Terms.

30 Monthly Payment – The amount you must pay each month if you want to keep your SmartPlans active. Calculated as the Minimum Payment Due on Main Account Balance plus any SmartPlan instalments shown on a statement. Monthly Payment Balance – The amount you must pay to retain an interest free period. Calculated as the Main Account Balance minus the Balance Transfer Balance and the PartPay Balance plus any SmartPlan instalments shown on a statement. Online Banking – All methods that we provide to allow you to digitally access and manage your Card Account. This Includes mobile/tablet apps, and browser-based access. Online Banking is governed by separate Terms and Conditions located on our website. PartPay Payment – Has the meaning given to it in the PartPay Terms. PartPay Purchase – An ‘eligible Purchase’ (as defined in the PartPay Terms) made using your PartPay Card. PartPay Terms – The Westpac document with PartPay Card Terms and Conditions in its title. Purchase – All payments you make using your Card (other than a PartPay Card) that are not Cash Advances or Balance Transfers. SmartPlan – An instalment plan available on your Card Account to which specific terms may apply. Tokenised Credentials – The unique number created in some circumstances by the card scheme (Mastercard or Visa) which represents your Card number and may be used by a Merchant to process payments. You – The person who is the owner of the Card Account and who is responsible for all transactions on the account.

31 Credit Guide This Credit Guide gives you important information about the products we provide which are regulated by the National Credit Code (‘consumer lending products’). In this document, the words ‘we’, ‘us’, ‘our’ and ‘Westpac’ refer to Westpac Banking Corporation. References to the ‘Westpac Group’ refer to all our related bodies corporate. The Westpac Group has additional products and services that are not covered by this document. In your interaction with the Westpac Group, you may receive Financial Services Guides and additional Credit Guides. Westpac’s consumer lending products include: • Credit cards • Home loans • Residential property investment loans, and • Personal loans. 1.0 Our general obligations. In relation to our consumer lending products, we will not, as a credit provider: • Enter into a credit contract with you; or • Increase the credit limit of a credit contract with you, if we assess that the credit contract is unsuitable for you. We refer to this assessment as the Suitability Assessment. To make this assessment, we will make reasonable inquiries about your: • requirements and objectives in relation to the credit contract or credit limit; and • financial situation and take reasonable steps to verify. 2.0 When will the credit contract be unsuitable? A credit contract will be unsuitable if: • The credit contract does not meet your requirements or objectives; or • It is likely that you will be unable to comply with your financial obligations under the credit contract; or • It is likely that you could only comply with your financial obligations under the credit contract with substantial hardship.

32 3.0 How can you access a copy of the Suitability Assessment? If your application for credit or increase in credit has been approved, you can call 132 032 and request a written copy of the Suitability Assessment which we will provide within the following timeframes: Your request is made: We will give you your assessment: Before the Credit Day * As soon as possible after we receive your request Up to 2 years after the Credit Day* Within 7 business days after we receive your request Between 2 and 7 years after the Credit Day* Within 21 business days after we receive your request *The Credit Day is the date the credit contract is entered into or the credit limit is increased. We are not required to provide you with a copy of the assessment if the credit application or increase has been declined or if the credit contract your request relates to was entered into before 1 January 2011. 4.0 Getting your complaint heard. Please talk to us fi rst. We aim to resolve your complaint at your first point of contact with us, so we encourage you to raise your complaint through any of the following channels: 132 032 westpac.com.au/contact-us/feedback-complaints Reply Paid 5265, Sydney NSW 2001

33 5.0 Our Customer Solutions Team. In the unlikely event that we can’t resolve your complaint at your first point of contact with the Bank, we will escalate your complaint to our Customer Solutions Team for further investigation. 6.0 What to do if you are still not happy. If you are not satisfied with our response, you may lodge a complaint: Australian Financial Complaints Authority (AFCA). Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Australian Securities and Investments Commission (ASIC). ASIC has a free call Infoline on 1300 300 630. You can call this number to make a complaint and to obtain information about your rights. Office of the Australian Information Commissioner. You may also make a complaint to the OAIC where your complaint is about the way we handle your personal information. OAIC requires you to first lodge a complaint with us. The law also allows 30 days for us to deal with your complaint before you can make a complaint to the OAIC. The contact details for OAIC are set out below: Online: www.oaic.gov.au Online enquiries: Enquiry Form Phone: 1300 363 992 Post: Office of the Australian Information Commissioner GPO Box 5218 Sydney NSW 2001

34 Information Statement Things you should know about your proposed credit contract. Westpac is your credit provider. This statement tells you about some of the rights and obligations, you and we have. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact us and, if you still have concerns, the AFCA scheme, or get legal advice. The contract.

How can I get details of my proposed credit contract? We must give you a precontractual statement containing certain information about your contract. The precontractual statement, and this document, must be given to you before: • Your contract is entered into; or • You make an offer to enter into the contract; whichever happens first.
How can I get a copy of the fi nal contract? If the contract document is to be signed by you and returned to us, you must be given a copy to keep. Also, we must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if we have previously given you a copy of the contract document to keep. If you want another copy of your contract, write to us and ask for one. We may charge you a Fee. We have to give you a copy: • Within 14 days of your written request if the original contract came into existence 1 year or less before your request; or • Otherwise within 30 days’ of your written request.
Can I terminate the contract? Yes. You can terminate the contract by writing to us so long as: • You have not obtained any credit under the contract; or • A card or other means of obtaining credit given to you by us has not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any Fees or charges incurred before you terminated the contract.

35 4. Can I pay my credit contract out early? Yes. Pay us the amount required to pay out your credit contract on the day you wish to end your contract. 5. How can I fi nd out the pay-out fi gure? You can write to us at any time and ask for a statement of the pay-out figure as at any date you specify. You can also ask for details of how the amount is made up. We must give you the statement within 7 days after you give your request to us. You may be charged a Fee for the statement. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits us to charge one) and other Fees. 7. Can my contract be changed by Westpac? Yes, but only if your contract says so. 8. Will I be told in advance if Westpac is going to make a change in the contract? That depends on the type of change. For example: • You get at least same day notice for a change to an Annual Percentage Rate. That notice may be a written notice to you or a notice published by your credit provider. • You get 30 days’ advance written notice for: − A change in the way in which interest is calculated; or − A change in credit Fees and charges; or − Any other changes by Westpac except where the change reduces what you have to pay or the change happens automatically under the contract. 9. Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to us. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints.

36 The AFCA scheme can be contacted at: Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www.asic.gov.au . General. 10. What do I do if I cannot make a repayment? Get in touch with us immediately. Discuss the matter and see if you can come to some arrangement. You can ask us to change your contract in a number of ways: • To extend the term of your contract and reduce payments; or • To extend the term of your contract and delay payments for a set time; or • To delay payments for a set time. 11. What if we cannot agree on a suitable arrangement? If we refuse your request to change the repayments, you can ask us to review this decision if you think it is wrong. If we still refuse your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 13. 12. Can Westpac take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 13. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully.

37 If you have any complaints about your credit contract, or want more information, contact us. You must attempt to resolve your complaint with us before contacting the AFCA scheme. If you have a complaint which remains unresolved after speaking to us you can contact the AFCA scheme or get legal advice. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at: Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Please keep this information statement. You may want some information from it at a later date.

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Westpac acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ® Registered to B PAY Pty Ltd ABN 69 079 137 518. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCCGT200 0624

Source: https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet

Key facts about these credit cards

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

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Correct as at: 30 September 2026

Description of Credit Cards

Product Name	Altitude Platinum Card	Altitude Black Card	Low Fee Card	Low Rate Card	Westpac Lite Card
Minimum credit limit	$3,000	$6,000	$500	$500	$1,000
Minimum repayments	2.5% of the closing balance outstanding, or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full.	2.5% of the closing balance outstanding, or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full.	2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.	2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.	2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
Interest on purchases[#]	23.98% p.a.	20.99% p.a.	13.74% p.a.	9.90% p.a.
Interest free period[#]	Up to 45 days on purchases only	Up to 55 days on purchases only	Up to 45 days on purchases only
Interest on cash advances[#]	23.99% p.a.	23.99% p.a.	21.99% p.a.	21.99% p.a.	Not offered
Balance transfer interest rate[#]	For each product, please refer to the Balance Transfer interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you.	Not offered
Annual or monthly fee[#],[#]	$175 per year	$295 per year	$0 or $30 per year[#]	$7 a month (equating to $84 per year)	$9 a month (equating to $108 per year)
Late payment fee[#]	$20	$0

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from www.westpac.com.au/creditcardfees.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au.

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Things you should know

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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Source: https://www.westpac.com.au/credit-cards/manage/fees-interest/minimising-fees

Credit Card Fees

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Annual card fee

Rewards
Altitude Platinum Card (Altitude Rewards, Altitude Qantas, Altitude Velocity)	$175 ($75 annual Rewards Program fee applies for Altitude Rewards, $125 annual Rewards Program fee applies for Altitude Qantas and Altitude Velocity)
Altitude Black Card (Altitude Rewards, Altitude Qantas, Altitude Velocity)	$295 ($75 annual Rewards Program fee applies for Altitude Rewards, $155 annual Rewards Program fee applies for Altitude Qantas and Altitude Velocity)
Low Fee
Low Fee card	$30[#]
Low Rate
Westpac Lite Card	$9 monthly (equating to $108 per year)
Low Rate Card	$7 monthly (equating to $84 per year)

Foreign transaction fee

We charge a 3% Foreign Transaction Fee as a percentage of the Australian dollar value of any Foreign Transaction (includes transactions in a foreign currency, or in any currency with a merchant or processing entity located outside Australia).

Foreign Transaction Fees do not apply to the Westpac Lite Card and the Flex Card.

Cash advance fee

Cash advances/ Withdrawals Fee Transactions treated as Cash Advances include transactions where you use your card account to: Withdraw cash through an ATM or at a financial institution, or

Receive a cash substitute from a Merchant (e.g. purchasing gambling chips/ tokens), or

Purchase foreign exchange.

3.5% of the value of the transaction will apply to each cash advance. Refer to the Credit Card Terms and Conditions.

Cash Advances are not available on the Westpac Lite Card, PartPay Card and the Flex Card.

Balance Transfer Fee

Balance transfer fee may apply. Balance transfers are not available on the Westpac Lite Card and the Flex Card.

Missed Payment Fees

A charge of $20 may be payable each statement cycle if the whole of the minimum monthly payment is not paid by statement due date. Missed Payment Fees do not apply to the Westpac Lite Card and the Flex Card.

Overlimit Fee

The overlimit fee applies to credit card accounts opened before 4 June 2012. A $15 fee may be charged if the credit limit is exceeded during the statement cycle. This fee may also apply whenever your account is over limit at the beginning of a new cycle.

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Things you should know

Credit Cards Key Facts Sheet

Fees stated are current as at 30/09/2026, but may change from time to time. We will notify you of changes as required under the Credit Card Terms and Conditions for personal credit card accounts, or the Conditions of Use for business credit card accounts. All fees are debited to your credit card account under the Credit Card Terms and Conditions/Conditions of Use for the account. The fees are payable as part of the minimum payment required under those Credit Card Terms and Conditions/Conditions of Use. A Credit Card Offer and Credit Card Terms and Conditions/Conditions of Use will be provided at the time of approval. Please refer to these documents for full information on the fees and charges applicable to your credit card account.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

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Source: https://www.westpac.com.au/terms-conditions/?fid=op-infob-nprs-ftr-cta1

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Credit Guide (CG) provides important information about a licensee's obligations in relation to consumer lending products regulated by the National Credit Code. Effective 1 March 2011, Westpac holds an Australian Credit Licence (ACL) No. 233714.

Westpac Credit Guide (PDF 68KB)

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The Banking Code of Practice sets the standards of practice and service in the Australian banking industry. The Code applies to individual and small business customers, as well as their individual guarantors. More information about the Code can be found here.

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Each quarter you'll find the most recent report detailing the reliability of the seven retail payment services you might use with us. Past reports can also be found on this page. Find out more.

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Tax Reporting Obligations

Effective from 1 July 2024, we’re updating our home loan terms to clarify our obligations to collect and report information on foreign tax residents as shown in this new clause:

Tax Reporting Obligations

We are required under domestic and international laws to collect and report financial and account information relating to individuals and organisations who are, or may be, foreign tax residents. We may ask you whether you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident from time to time, such as when you open an account with us, or if your circumstances change.

If you do not provide this information to us, including information about the foreign tax identification number for all countries you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident of, we may be required to limit the services we provide to you. This could include not opening your product, or limiting functions or services of your product, or closing it.

Unless you tell us otherwise, by completing any application for products covered by these terms and conditions, you certify that you, any shareholder, named beneficiary, settlor or controlling person is not a foreign tax resident. You must tell us if you, or any shareholder, named beneficiary, settlor or controlling person is, or becomes, a foreign tax resident (unless an exemption applies, such as for shareholders of listed companies). Where there are no named beneficiaries (e.g. for beneficiaries identified only as a class) you must tell us if a beneficiary is a foreign tax resident immediately when any decision is made to identify such beneficiary and, in any case, before such distribution is to be made to them.

You may contact us to provide foreign tax residence information by calling 1300 725 863. We cannot give tax advice, so please contact your independent tax advisor if you need help finding out whether any person is a foreign tax resident.

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A Product Disclosure Statement (PDS) is a document, or sometimes a group of documents, that contains information about a financial product including any significant benefits and risks, the cost of the financial product and the fees and charges that the financial product issuer may receive. Supplementary PDSs may be issued from time to time and must be read in conjunction with the PDS to which they relate.

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Westpac Altitude Qantas Platinum

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Saved wording and terms

Source: https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-platinum/

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Altitude Qantas Platinum

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Earn up to 100,000 bonus Qantas Points

Features

How to earn points?

Rates and minimum requirements

Fees

What you'll need to apply

You must be

You'll need to provide

Two of these ID documents

Frequently asked questions

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Not a Westpac customer

Already a Westpac customer

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_Domestic_Complimentary_Insurance_Policy_Information_Booklet.pdf

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf

you will not have cover under Benefit 6.1 Personal Liability for any claims arising

you will not have cover under Benefits 1.5 Permanent Disability for any claims

you only have cover for these benefits if the relevant pack has been purchased.

you only have cover for these benefits if the relevant pack has been purchased.

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay_card_terms_and_conditions.pdf

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/wbc-eligible-australian-visa-list.pdf

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf

Source: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf

Source: https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet

Description of Credit Cards

Source: https://www.westpac.com.au/credit-cards/manage/fees-interest/minimising-fees

Annual card fee

Foreign transaction fee

Cash advance fee

Balance Transfer Fee

Missed Payment Fees

Overlimit Fee

Source: https://www.westpac.com.au/terms-conditions/?fid=op-infob-nprs-ftr-cta1

Terms & Conditions

Important information

Personal customers

Business customers

Target Market Determinations

Financial Services Guide (FSG)

Credit Guide (CG)

Principles for responsible marketing and fair advertising

The Banking Code of Practice

Retail payment service availability

International

Tax Reporting Obligations

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