MyCard Rewards Velocity

Purchase Protection Insurance

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MyCard Rewards

Earn points on your everyday spend and turn them into rewards you love.

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At a glance

Reward your everyday with MyCard Rewards.

From earning points on your daily spend to redeeming them in a variety of ways that suit you, including Pay with PointsView Disclaimer 1, Giftcards, Points Transfer and more.

This card has a Minimum Credit Limit $2,000.

Annual Fee

$249 p.a.

Retail Purchase Rate

22.49 % p.a.

Cash Advance Rate

22.99 % p.a.

Earn MyCard Reward Points for every $1 spent on Eligible TransactionsView Disclaimer 2

Spend type	Number of Points	Spend Eligibility
Spend typeInternational Spend	Number of Points2 Points	Spend Eligibilityon Eligible Transactions made overseas or online with a merchant that is based overseas.
Spend typeDomestic Spend	Number of Points2 Points	Spend Eligibilityon Eligible Transactions made directly with supermarkets or petrol outlets.
Spend typeDomestic Spend	Number of Points1.5 Points	Spend Eligibilityon Eligible Transactions.

What you get

Pay with Points View Disclaimer 1
Up to 15% off Luxury Escapes (up to $250) View Disclaimer 3
Complimentary Purchase Protection InsuranceView Disclaimer 4 and Extended Warranty InsuranceView Disclaimer 4
Complimentary Mobile Phone InsuranceView Disclaimer 5

Things to consider

Higher retail purchase rate than our MyCard Clear.
For a low annual fee credit card see our MyCard Simplicity.
Priority PassTMView Disclaimer 6 not available with this product, upgrade to the MyCard Premier to gain access to this benefit.

Benefits

Explore the benefits that come with MyCard Rewards

MyCard Rewards Program

Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with PointsView Disclaimer 1, Giftcards, Points Transfer options and more.View Disclaimer 7

MyCard Rewards Program

Complimentary Mobile Phone Insurance

Pay your monthly postpaid plan bill with your MyCard Rewards card and you'll be covered for Accidental Damage and Theft.View Disclaimer 5

Mobile Phone Insurance

Instalment Plans

Pay back large credit card expenses with monthly instalments.View Disclaimer 8

Explore Instalment Plans

Complimentary Purchase Protection Insurance

Access purchase protection insurance on eligible purchases.View Disclaimer 4

Complimentary Extended Warranty Insurance

Access extended warranty insurance on eligible purchases.View Disclaimer 4

Extended Warranty Insurance

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Click to Pay

Enjoy a quicker and more secure way to pay online with your MyCard Credit Card. No need to manually enter your card details every time - simply select Click to Pay at participating online checkouts for a seamless experience.View Disclaimer 9

Learn more about Click to Pay

View all benefits

Choose an offer that suits you

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100,000 bonus MyCard Reward Points

Get 100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases within 90 days from approval.View Disclaimer 10

Annual Fee

$249 p.a.

Purchase Interest Rate

22.49 % p.a.

Included extras

0% p.a. for 12 months on Balance Transfers.View Disclaimer 11 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.

Apply for this offer

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0% p.a. on Purchases and Balance Transfers for 15 months

Get 0% p.a. for 15 months on purchases and balance transfers.View Disclaimer 12 2% balance transfer fee applies. Balance transfer rate reverts to cash advance rate after the promotional period

Annual Fee

$249 p.a.

Purchase Interest Rate

22.49 % p.a.

Included extras

Earn MyCard Reward PointsView Disclaimer 2

Apply for this offer

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Up to 80,000 bonus Velocity Points via Autoredemption

Get 60,000 bonus Velocity Points with autoredemption when you spend $5,000 on eligible purchases within 90 days from approval and an additional 20,000 bonus Velocity Points when you keep your card open for over 12 months.View Disclaimer 13

Annual Fee

$249 p.a.

Purchase Interest Rate

22.49 % p.a.

Included extras

0% p.a. for 12 months on Balance Transfers.View Disclaimer 11 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.

Apply for this offer

Rates and fees

Interest rates and fees

For the full list, please see our Credit card fees and charges page.

Fee type	Rate (p.a.)
Fee typeAnnual fee	Rate (p.a.)$249
Fee typeRetail purchase rate	Rate (p.a.)22.49% p.a.
Fee typeCash advance rate	Rate (p.a.)22.99% p.a.
Fee typeAdditional cardholder fee You may have up to 4 existing additional cardholders on your account.	Rate (p.a.)$90 per additional cardholder

Other rates and fees

Fee type	Fee details
Fee typeInterest-free period	Fee detailsUp to 44 days (On retail purchases)
Fee typeCredit limit Credit limit changes are subject to credit assessment criteria.	Fee detailsYour minimum credit limit is $2,000, your maximum is $100,000
Fee typeLate payment fee	Fee details$30
Fee typeDomestic cash advance fee Minimum charge $3.50.	Fee details3.5% of transaction amount
Fee typeInternational cash advance fee Minimum charge $3.50.	Fee details3.5% of transaction amount
Fee typePaper statement fee	Fee details$2 per month
Fee typeInternational transaction fee	Fee details3.5% of transaction amount
Fee typeOver-the-counter transaction fee (Bank@PostTM) View Disclaimer 14	Fee details$2.50

Featured offers

Explore these limited time offers with MyCard Rewards.

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Up to 15% off Luxury Escapes

Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.View Disclaimer 3

Luxury Escapes offer

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10% off selected Expedia hotels

Save on your next getaway with 10% off selected hotels on Expedia.View Disclaimer 15

Explore Expedia offer

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10% off selected Wotif hotels

Explore Australia and beyond with 10% off selected hotels on Wotif.View Disclaimer 15

Explore Wotif offer

MyCard Rewards Program

Make every spend rewarding with the MyCard Rewards Program.View Disclaimer 7

Pay with Points

Redeem your Reward Points to receive a credit back on almost any purchase with Pay with Points.View Disclaimer 1

Redeem Giftcards

Redeem your Reward Points for Giftcards with over 50 brands and stores to choose from.

Transfer Points

Transfer your Reward Points to one of our loyalty partner programs including Flybuys and Velocity Frequent Flyer.

View Rewards Program

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MyCard Premier

Elevate every moment with rewards and travel benefits. Minimum Credit Limit $10,000. Purchase Rate 22.49% p.a.

Annual Fee

$300 p.a.

Earn MyCard Reward Points View Disclaimer 7
Two complimentary airport lounge passes with Priority PassTM View Disclaimer 6
Complimentary Travel InsuranceView Disclaimer 4 and Mobile Phone InsuranceView Disclaimer 5
Personal concierge service View Disclaimer 16
Discounts from our partners

Explore MyCard Premier

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MyCard Premier Qantas

Earn Qantas Points with access to rewards and travel benefits. Minimum Credit Limit $10,000. Purchase Rate 22.49% p.a.

Annual Fee

$350 p.a.

Earn Qantas Points View Disclaimer 17
Two complimentary airport lounge passes with Priority PassTM View Disclaimer 6
Complimentary Travel InsuranceView Disclaimer 4 and Mobile Phone InsuranceView Disclaimer 5
Personal concierge service View Disclaimer 16

Explore MyCard Premier Qantas

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MyCard Clear

A low interest rate on Retail Purchases. Minimum Credit Limit $2,000. Purchase Rate 14.99% p.a.

Annual Fee

$149 p.a.

Low ongoing variable interest rate on Retail Purchases
Complimentary Extended Warranty Insurance View Disclaimer 4 and Purchase Protection Insurance View Disclaimer 4
Complimentary Mobile Phone InsuranceView Disclaimer 5
Discounts from our partners

Explore MyCard Clear

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MyCard Simplicity

Enjoy a low annual fee of $49. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.

Annual Fee

$49 p.a.

Complimentary Extended Warranty Insurance View Disclaimer 4 and Purchase Protection Insurance View Disclaimer 4
Complimentary Mobile Phone InsuranceView Disclaimer 5
Discounts from our partners

Explore MyCard Simplicity

View all cards

Things you should know

Important information

Fees and charges

Read our Credit Card Terms and Conditions. Credit card fees and charges are payable. Approval and credit limit is subject to MyCard's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.

Disclaimer1.
Pay with Points
Pay with Points is available on eligible transactions and is only available for MyCard Rewards and Premier cardholders. An eligible purchase is a transaction we will present to you in your MyCard App or MyCard Online that can be paid by redeeming your Reward Points. The types of transactions that may be paid by redeeming your Reward Points may change and we will present these to you in the MyCard App or MyCard Online.
Disclaimer2.
MyCard Rewards
All rewards are subject to the Terms and Conditions of the MyCard Rewards Program (PDF, 278KB), opens in new window. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition of Eligible Transaction as in the Terms and Conditions of the MyCard Rewards Program (PDF, 278KB), opens in new window. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).
Disclaimer3.
Luxury Escapes offer (All Cards except MyCard Premier - former MyCard Prestige)
10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au, opens in new window or on the Luxury Escapes mobile app. Offer is valid at Australian website only. Offer is exclusive to MyCard branded cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2027. To be eligible, customers must use their MyCard branded card at checkout along with the promo codes MYLUXPROMO when purchasing ‘Limited Time LUX Exclusive’ hotels or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.mycard.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2027.
Disclaimer4.
Complimentary Insurances (Purchase Protection, Extended Warranty, Rental Vehicle Excess and Travel Insurance)
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the MyCard Credit Cards Complimentary Insurance Policy Information Booklet (PDF, 564KB), opens in new window which may be amended from time to time. Neither NAB nor any of its related corporations guarantee this insurance.
Disclaimer5.
Mobile Phone Protection Insurance
Mobile Phone Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. This Cover is available to Cardholders (“you/your”) while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 220KB), opens in new window as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB is not the issuer or insurer of the Cover. NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.
Disclaimer6.
Priority Pass (MyCard Premier)
One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the MyCard Premier Credit Card. MyCard Premier cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/premieraumc, opens in new window and follow the prompts. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a MyCard Premier cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com, opens in new window. Cardholders can use their lounge entitlement to receive AUD$36 off their bill. 1. Each AUD$36 deduction represents a single lounge visit within the cardholders’ existing lounge visit allocation for which the cardholder will, where applicable, be charged. Only 1 card per visit per primary cardholder will be accepted and at point of registration. 2. the AUD$36 is valid for the purchase of any meal/or drinks. To be eligible, cardholders must present a valid Card and Boarding Pass with confirmed same-day travel before placing an order. 3. AUD$36 is non-transferrable & cannot be exchanged for cash substitute or refund if the final bill is lower than AUD$36 per person. 4. Cardholder is responsible for the balance if the total bill exceeds AUD$36 per person. Any remaining balance cannot be used towards gratuity. 5. Priority Pass and its Affiliates Companies shall not be liable should the offer value be less than Customers lounge visit entitlement. Customers who pay for lounge and guest visits are advised to review programme Conditions of Use prior to accessing the offer. Visit www.prioritypass.com, opens in new window for more information.
Disclaimer7.
MyCard Rewards Program
Refer to the MyCard Rewards and MyCard Qantas Rewards Program Terms and Conditions, for the full Terms of Use which can be found on mycard.com.au/terms.
Disclaimer8.
Instalment Plans
MyCard Instalment Plan offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Your Instalment Plan uses part of your existing credit limit. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Instalment Plan, please refer to the Credit Card Terms and Conditions and Other Important Information (PDF, 402KB), opens in new window.
Disclaimer9.
Click to Pay
Click to Pay is auto enabled by NAB on MyCard Credit Cards. MyCard Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Enrolment is subject to eligibility criteria set by NAB and the relevant card scheme. You are not required to register or enrol yourself. For more information, please refer to Click to Pay Terms and Conditions (PDF, 97KB), opens in new window.
Disclaimer10.
100,000 bonus MyCard Reward Points
To be eligible to receive 100,000 bonus MyCard Reward Points, you must spend a minimum of $5,000 on eligible purchases using your new Card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 100,000 bonus MyCard Reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the MyCard Rewards Program (PDF, 278KB), opens in new window. Your MyCard Rewards Account must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the MyCard Rewards Program for the bonus MyCard Reward Points to be awarded. This offer commenced 1 October 2026. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
Disclaimer11.
12 months Balance Transfer offer
Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate will apply to balance transfers requested at card application, and the Balance Transfer Fee, for a period of 12 months, commencing from the date the Balance Transfer is processed. The Balance Transfer Fee is 3% of the balance transferred and will be debited to your account on the day or the day after your Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and Balance Transfer Fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from MyCard branded unsecured credit products. Read the important Balance Transfer information, before considering taking up a Balance Transfer. This offer commenced 1 October 2026. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
Disclaimer12.
15 months Purchases and Balance Transfer offer
Purchases: The promotional rate of 0% p.a. will apply to the Retail Purchase Balance for a promotional period of 15 months, commencing from the date your Account is approved. At the end of the promotional period, the variable Annual Percentage Rate for Retail Purchases, currently 22.49% p.a. will apply to the Retail Purchase Balance.
Balance Transfers: Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate will apply to balance transfers requested at card application, and the Balance Transfer Fee, for a period of 15 months, commencing from the date the Balance Transfer is processed. The Balance Transfer Fee is 2% of the balance transferred and will be debited to your Account on the day or the day after your Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and Balance Transfer Fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from MyCard branded unsecured credit products. Read the important Balance Transfer information, before considering taking up a Balance Transfer. Minimum monthly payments required. Payments will be applied to your Account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a Retail Purchase before your Balance Transfer is processed, payments made during the promotional period will be applied to the Retail Purchase Balance before the Balance Transfer. This offer commenced 1 October 2026. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
Disclaimer13.
Up to 80,000 bonus Velocity Points via Autoredemption
60,000 bonus Velocity Points: To be eligible to receive 60,000 bonus Velocity Points (automatically redeemed from 180,000 bonus MyCard Reward Points), you must apply for a new MyCard Rewards Credit Card before the offer is withdrawn, spend a minimum of $5,000 on eligible purchases using your new Card within 90 days from approval, and enrol into Autoredemption for Velocity with your Velocity membership number via Online Servicing. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. 180,000 bonus MyCard Reward Points (equivalent to 60,000 Velocity Points) will be credited to your MyCard Rewards Balance within 2 months of meeting the spend criteria and automatically transferred to Velocity provided you have enrolled in Autoredemption. Once transferred, it may take up to 1 month for the Velocity Points to appear in your Velocity account.
Additional 20,000 bonus Velocity Points: An additional 20,000 Velocity Points (equivalent to 60,000 bonus MyCard Reward Points) will be credited to your MyCard Rewards Balance within 90 days of your Account being open for 12 months, provided it has been activated by you. All rewards are subject to the Terms and Conditions of the MyCard Rewards Program (PDF, 278KB), opens in new window. Your MyCard Rewards Account must remain open and in good standing (for example - your account is not in default, suspended or closed), for the bonus MyCard Reward Points to be awarded and transferred to Velocity. Membership of Velocity Frequent Flyer and ensuring your Velocity account is valid as at the date of transfer is your responsibility. The redemption of MyCard Reward Points will be administered solely by us and are subject to the Terms and Conditions of the MyCard Rewards Program (PDF, 278KB), opens in new window. Velocity membership and Velocity Points earn and redemption are subject to the Velocity Membership Terms and Conditions, as amended from time to time, available at velocityfrequentflyer.com, opens in new window. This offer commenced 1 October 2026. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
Disclaimer14.
Bank@Post
Bank@PostTM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.
Disclaimer15.
Expedia/Wotif
To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique www.expedia.com.au/traveloffer, opens in new window or www.wotif.com/traveloffer, opens in new window link from 25 February 2025 to 31 January 2027 for stays completed by 30 June 2027, enter the Coupon code on the payment page, and pay with your valid MyCard Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see Expedia, opens in new window and Wotif, opens in new window). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.mycard.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.
Disclaimer16.
Personal Concierge Service
Concierge Services is a complimentary service available to the primary cardholder. Refer to the Terms and Conditions (PDF, 278KB), opens in new window of the MyCard Rewards Program. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.
Disclaimer17.
MyCard Qantas Rewards Program
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. To receive complimentary Qantas Frequent Flyer membership with MyCard branded credit cards click here, opens in new window, otherwise a joining fee may apply. Membership and Qantas Points are subject to the terms and conditions, opens in new window of the Qantas Frequent Flyer program.

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MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB.

MyCard acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

The information contained on this website is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances.

Source: https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet-may-2026.pdf

i Variation Notice This variation notice provides full details of the changes, as they apply to the MyCard Credit Cards Complimentary Insurance Policy Information Booklet. You can find the current terms and conditions relating to your account at mycard.com.au/terms . It is important that you read this notice carefully and keep a copy of it for your records. When these changes are effective These changes are effective on 1 October 2026. How to read this notice

Section headings as listed in this notice relate directly to the section headings in the terms and conditions.
If a section or sub-section is not specifically mentioned in this notice it remains unchanged.
If a section or sub-section is specifically mentioned in this notice a change is shown alongside the current wording as “replacement”. What are the changes Definitions We are changing the Level 1 Card definition as follows: Current Replacement Level 1 Card means a current and valid MyCard branded card of the following types issued by NAB: • MyCard Prestige Card; or • MyCard Premier Card; or Level 1 Card means a current and valid MyCard branded card of the following types issued by NAB: • MyCard Premier Card; or • MyCard Premier Qantas Card. We are changing the Level 3 Card definition as follows: Current Replacement Level 3 Card means a current and valid MyCard branded card of the following types issued by NAB: • MyCard Rewards Card • MyCard Platinum Card; or • MyCard Platinum Qantas Card; or • MyCard Clear Card; or • MyCard Simplicity Card; or • MyCard Plus Card; or Level 3 Card means a current and valid MyCard branded card of the following types issued by NAB: • MyCard Rewards Card; or • MyCard Rewards Qantas Card; or • MyCard Clear Card; or • MyCard Simplicity Card. MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB.

1 MyCard Credit Cards Complimentary Insurance Policy Information Booklet Effective 15 May 2026 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of MyCard branded credit cards. Contact Allianz Global Assistance Claims & Enquiries Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email: cardclaims@allianz-assistance.com.au 24-hour Emergency Assistance Please call emergency services immediately if your condition is life threatening. Phone: 1800 072 791 (within Australia) +617 3305 7499 (overseas) Please note, additional charges may apply from any calls made from mobiles, public telephones or hotel rooms. Email: medical@allianz-assistance.com.au The Group Policy insurer is: Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000. The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000. 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/mycard . 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 NAB. Changes to this booklet The information in this booklet is subject to change from time to time and is correct and current as at the date on the cover. The Termination or Variation of Cover clause on page 7 sets out the notice NAB will provide to you when changes are made to the terms and conditions related to the insurance cover available to you or where the policy is terminated. A new Policy Information Booklet reflecting the changes will be made available on the MyCard website.

2 Important information about the complimentary covers available 3 Introduction 3 Allianz – the insurer 3 NAB is not the issuer (insurer) of the covers 3 Termination or variation of cover 3 Other Insurances 4 Limitation of cover 4 Allianz Global Assistance Privacy Notice 4 Definitions 5 International Travel Insurance (for persons aged under 81 years) 9 Part A – Eligibility for Cover 10 Part B – Period of Cover 10 Part C – Benefit Limits 11 Part D – Excesses & General Exclusions 13 Part E – The Cover Available 16 Domestic Travel Insurance 32 Part A – Eligibility for Cover 32 Part B – Period of Cover 33 Part C – Benefit Limits 33 Part D – Excesses & General Exclusions 33 Part E – The Cover Available 35 Rental Vehicle Excess Insurance in Australia 40 Part A – Eligibility for Cover 40 Part B – Period of Cover 40 Part C – Benefit Limits 40 Part D – Excess & Exclusions 41 Part E – The Cover Available 41 Purchase Protection Insurance 42 Part A – Eligibility for Cover 42 Part B – Period of Cover 42 Part C – Benefit Limits 42 Part D – Excess & Exclusions 43 Part E – The Cover Available 44 Extended Warranty Insurance 44 Part A – Eligibility for Cover 44 Part B – Period of Cover 44 Part C – Benefit Limits 45 Part D – Excess & Exclusions 45 Part E – The Cover Available 45 Claims 46 How to make a claim 46 Depreciation 47 Claims are payable in Australian dollars 47 Recovery 47 How GST may affect your claim 48 Fraud 48 Complaints & Disputes 48 General Insurance Code of Practice 48 Contents

3 Important information about the complimentary covers available Introduction This booklet describes the complimentary insurance benefits provided by Allianz Australia Insurance Limited (Allianz), which are available to MyCard branded card cardholders and other eligible beneficiaries. Cover applies to events occurring on or after 15 May 2026. You are not covered for events occurring after termination of or the expiry of the period of the Group Policy. NAB will provide accountholders with details of any replacement cover. Allianz – the insurer These covers are available under a Group Policy issued to NAB by AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 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, of 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 on behalf of Allianz and NAB . NAB 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 booklet. Please read this 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. NAB is not the issuer (insurer) of the covers NAB is not the issuer (insurer) of the covers 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 NAB nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or their related companies and NAB or MyCard do not receive any commission or remuneration in relation to the insurance set out in this booklet. Termination or variation of cover NAB 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 booklet. If this occurs, NAB will give the accountholder at least 30 days’ written notice before the termination or change takes effect. NAB may give less notice, or publish the notice on the MyCard’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 NAB will take reasonable steps to provide written notice as soon as reasonably possible); or • NAB 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 NAB’s and/or Allianz’ legitimate business interests, NAB 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 booklet.

4 Where there is a termination or change to the terms, conditions and/or cover as set out in this booklet, the existing terms, conditions and/or cover will only apply to events occurring before the date of the change or termination. Where the Group Policy is terminated, no cover is available for events occurring after the date of termination. NAB will provide accountholders with details of any replacement cover and its relevant effective date. 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 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 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. Limitation of cover Regardless of anything contained in this Policy 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. 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 NAB 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. 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.

5 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 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 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. Definitions There are some words in this booklet that have a special meaning. When the following words and phrases appear in this 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 a sudden, unforeseen and unintended event. accountholder means a MyCard branded card customer, being an individual, business entity or company, who has entered into a card account with NAB and in whose name the card account was opened. The accountholder is the individual, business entity or company that has contractual obligations with NAB 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. card means a current and valid MyCard branded Level 1 Card or Level 3 Card issued by NAB and includes any card (however branded) linked by NAB as identified on the cardholders account statement to any of the above mentioned cards. card account means: • a current and valid MyCard branded card facility provided by NAB to which purchases made by cardholders on a MyCard branded card are charged; or • the primary account linked to a MyCard branded card issued by NAB 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 NAB has issued a MyCard branded card (this includes primary and additional cardholders). 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 vehicle.

6 covered breakdown means the failure of a covered item 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 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; • 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 (including step-child, adopted child, foster child and child you care for under a legal guardian arrangement), not in full-time employment and who is aged under 25 years at the time that their eligibility for cover is met; or • a person who is physically or mentally incapable of self-support who the cardholder is legally responsible for and who lives with the cardholder. Dependant does not include any person other than those listed. epidemic means an infectious disease that rapidly spreads to a large number of people in a community, population or region, that is recognised or referred to as an epidemic by the World Health Organisation (WHO) or an official government authority. 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. funeral expenses means 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. 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 holders of a NAB issued credit card (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 nursing or convalescent home or a place for the treatment of alcoholism, drug addiction or substance addiction. income means the amount of money you earn from your employment in a trade, business, profession or occupation after the deduction of income tax. injure or 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. journey means 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.

7 Level 1 Card means a current and valid MyCard branded card of the following types issued by NAB: • MyCard Prestige Card; or • MyCard Premier Card; or Level 3 Card means a current and valid MyCard branded card of the following types issued by NAB: • MyCard Rewards Card • MyCard Platinum Card; or • MyCard Platinum Qantas Card; or • MyCard Clear Card; or • MyCard Simplicity Card; or • MyCard Plus Card; or manufacturer’s warranty means the manufacturer’s written warranty, properly registered with the manufacturer, that is applicable and able to be fulfilled within Australia. medical adviser means 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 means 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 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). motorcycle means any two-wheeled or three-wheeled motor vehicle. NAB means National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 of Level 28, 395 Bourke Street, Melbourne, VIC 3000. 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 and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters. pandemic means an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority. 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. pre-existing medical condition means 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 years: • was treated by surgery (including day surgery); or • required regular medication; or

8 • 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. pregnancy related means arising from or directly connected with the process and changes in a mother resulting from a developing fetus. It covers the mother and fetus, as per the limits and conditions of cover set out in this policy, when either requires emergency medical care. prepaid travel costs means your travel costs that you pay for before leaving Australia. This includes but is not limited to the cost of your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour. proof of your ownership and 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 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 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 our behalf to provide medical advice; • for legal costs or expenses – 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; • for conduct, acts or knowledge of ‘a reasonable person’ – what would be expected of an average person in the circumstances having regard to common community standards and fairness, and achievable by the insured through normal endeavours; • for any other circumstances – 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 Australian residents are provided with subsidised essential medical treatment. (Please visit www.dfat.gov.au for details of Reciprocal Health Care Agreements with Australia.) relative means: • 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 means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four-wheel drive or minibus/people mover rented from a licensed motor vehicle rental company or agency. Rental vehicle does not include any other vehicle regardless of type or weight.

9 return domestic flight ticket means a flight ticket to and from a destination in Australia and its territories on a scheduled commercial passenger airline. return overseas travel ticket means an air or cruise ticket departing from and returning to Australia. sick or sickness means 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. special event means a wedding, funeral, conference, 25th or 50th wedding anniversary, pre-paid sporting event, pre-paid concert, pre-paid cruise or pre-paid tour which before you left Australia you had planned to attend. Special event does not include any other event. 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 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, 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. we , our , us means 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 and yourself means accountholder, cardholder, spouse or dependants if they are eligible for the cover available. Summary of Cover by Card Level Please refer to the table below to determine the complimentary insurance benefits that may be available to you depending on your Card Level. Each Part of this insurance will also identify the complimentary insurance benefits available to you depending on your Card Level. Level 1 Cards Level 3 Cards International Travel Insurance (for persons aged under 81 years) ü Domestic Travel Insurance ü Rental Vehicle Excess Insurance in Australia ü Purchase Protection Insurance ü ü Extended Warranty Insurance ü ü International Travel Insurance (for persons aged under 81 years) Not all insurance covers are available for all cards and different conditions may also apply depending on your Card Level, so please refer to each Part of this Policy Information Booklet to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the level of card you have.

10 Part A – Eligibility for Cover Who is eligible? As a Level 1 Card cardholder you are eligible for cover under this International Travel Insurance when you meet all of the following criteria:

you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency); and
before leaving Australia you: • spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account; or • obtain your return overseas travel ticket via your airline frequent flyer program, provided a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a MyCard branded card or via MyCard Rewards Program, over a 12 month period prior to obtaining the overseas travel ticket; or • obtain your return overseas travel ticket under the Qantas Frequent Flyer Program where a minimum of 15,000 points earned on a MyCard branded card is automatically transferred to your Qantas Frequent Flyer account over a 12 month period prior to obtaining the return overseas travel ticket; and
you have a return overseas travel ticket before leaving Australia; and
you are aged under 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 become eligible, when each of them individually meets all of the following eligibility criteria:
the spouse and/or dependants reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles them to residency; and
each spouse and/or dependant is travelling with the cardholder for at least fifty per cent (50%) of the period of cover provided to the cardholder for the cardholder’s journey; and
each spouse and/or dependant has a return overseas travel ticket before leaving Australia; and
each spouse and/or dependant is aged under 81 years at the time they each became eligible for the cover available by meeting conditions 1 to 3 listed above. 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. For example, when a spouse is also a cardholder, if they do not meet the eligibility requirements as a cardholder they can only claim as a spouse, not a cardholder. 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 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 overseas journey. No cover is available for dependants born on the journey. Refer to the Pregnancy section in Part E – The Cover Available. 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.

11 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 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, after the date of departure shown on your overseas travel ticket; or • when you cancel your return overseas travel ticket. If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, 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 AGA 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. Part C – Benefit 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 – The Cover Available and is subject to the applicable terms, conditions, limits, sub-limits and exclusions. The cover described in the table below is a summary only. All costs and expenses claimed must be necessary and reasonable. Section Limit 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) $20 million 1.2 Overseas Emergency Medical $20 million 1.3 Overseas Emergency Dental (Spontaneous Toothache) Up to a maximum total limit of $2,000 per person for emergency dental treatment for sudden and acute pain (toothache) to natural teeth. 1.4 Hospital Cash Allowance $100 per person per day to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 1.5 Accidental Death $50,000 per cardholder $50,000 for a spouse $25,000 per dependant Up to a maximum total limit of $150,000.

12 Section Limit 1.6 Funeral Expenses Up to a maximum total limit of $60,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 1.7 Loss of Income Your verified income per week, up to a maximum total limit of $13,000 each for a cardholder or spouse. No cover is available for dependants. 1.8 Assault requiring Hospital Admission $500 per person. 1.9 Permanent Disability $50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 2.1 Cancellation Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except: 2.1.1 b) Travel agents cancellation fees $2,000 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser. 2.1.1 d) Rescheduling your journey Up to $75 per person per day, up to a maximum total limit of $500 per person for reasonable additional meal costs. Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey. 2.2 Withdrawal of Services $50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 3.1 Additional Expenses $200,000 3.2 Travel Delay Expenses After 6 consecutive hours delay, and for each subsequent 24 consecutive hour period thereafter, up to $500 per person for meals and accommodation expenses up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 3.3 Alternative Transport Expenses Up to a maximum total limit of $3,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 3.4 Return home and Resumption of Journey due to Relative’s Death or Hospital Admission Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 3.5 Domestic Pet Accommodation Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 3.6 Emergency Accommodation due to Terrorism Up to $300 per person, per day, up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 3.7 Hijack Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 4.1 Luggage Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits: 4.1.1 a) Stolen, accidentally damaged or permanently lost covered items Up to $4,000 per item for computers, cameras and video cameras. Up to $1,000 per item for any other covered item, including mobile phones.

13 Section Limit 4.1.1 b) Covered items left in a vehicle during daylight hours Up to a maximum total limit of $5,000 4.1.1 c) Valuables left in a vehicle or checked-in luggage No cover available, except for the items described in the circumstances under 4.1.1 c) of Part E – The Cover Available, which is limited to the maximum item limits in 4.1.1 a). 4.2 Travel Documents, Transaction Cards & Travellers Cheques 4.2.1 a) Reissue or replacement cost Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 4.2.1 b) Fraudulent use Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 4.3 Luggage Delay Up to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 4.4 Replacement Sporting Equipment Up to a maximum total limit of $200 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 5.1 Rental Vehicle Excess 5.1.1 a) Rental vehicle damage or theft Level 1 Cards – Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 5.1.1 b) Return of rental vehicle Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 6.1 Personal Liability Level 1 Cards – Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. 6.2 Legal Expenses Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. Part D – Excesses & 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.

14 Section Cover type Excess 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) Nil 1.2 Overseas Emergency Medical $600 1.3 Overseas Emergency Dental (Spontaneous Toothache) $600 1.4 Hospital Cash Allowance Nil 1.5 Accidental Death Nil 1.6 Funeral Expenses Nil 1.7 Loss of Income Nil 1.8 Assault requiring Hospital Admission Nil 1.9 Permanent Disability Nil 2.1 Cancellation $600 2.2 Withdrawal of Services Nil 3.1 Additional Expenses $600 3.2 Travel Delay Expenses Nil 3.3 Alternative Transport Expenses $600 3.4 Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission Nil 3.5 Domestic Pet Accommodation Nil 3.6 Emergency Accommodation due to Terrorism Nil 3.7 Hijack Nil 4.1 Luggage $600 4.2 Travel Documents, Transaction Cards & Travellers Cheques Nil 4.3 Luggage Delay Nil 4.4 Replacement Sporting Equipment Nil 5.1 Rental Vehicle Excess $600 6.1 Personal Liability Nil 6.2 Legal 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 or arising from:

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 you take after a medical adviser informs you that you are terminally ill;
your intentional self harm or your suicide or your attempted suicide;
a claim arising from, or caused, or 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;
any expense arising from or in any way related to: • regular or routine antenatal care; • childbirth at any gestation (except when arising from an injury or sickness); • care of a newborn child; • the period after 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); • pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover;

15 6. you not following an advice or warning that a reasonable person would have been aware of: • by the Australian government (when a ‘Reconsider your need to travel’ or ‘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. 7. 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; 8. 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: • 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 skiing, off-piste snowboarding or snowmobiling; • motorcycle, moped, motorised scooter or quad bike riding during your journey unless you are the driver of a motorcycle, moped, motorised scooter or quad bike, with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence (excluding learner’s licences) in Australia or a licence valid for the country you are travelling in if your Australian licence is not recognised in that country; • any other similar activity that a reasonable person would consider dangerous; 9. 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; 10. 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; 11. your participation as a crew member or pilot of any transportation; 12. your or your travel companion’s failure to obtain a visa, a passport or a passport with a required minimum remaining validity; 13. the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance; 14. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 15. changes in currency rates; 16. your failure to take reasonable care such as failure to wear appropriate safety equipment; 17. 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 as suffering a sickness recognised as an epidemic or pandemic and cover is expressly included in the following sections: • 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) • 1.2 Overseas Emergency Medical • 2.1 Cancellation • 3.1 Additional Expenses; 18. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 19. a nuclear reaction or contamination from nuclear weapons or radioactivity; 20. 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; 21. 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.

16 Part E – The Cover Available In order to be sure that you are covered under this policy, 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. 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 (including Medical Evacuation and Repatriation) 1.2 Overseas Emergency Medical 2.1 Cancellation 3.1 Additional Expenses If, during the period of cover available, 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 & 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 6 and 16 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. Pre-existing medical conditions Please ensure that you read the definition of pre-existing medical condition in the section headed Definitions. The definition makes reference to ‘a condition of which a reasonable person in the circumstances should have been aware of’. Reference to a reasonable person is a reference to what would be expected of an average person in the circumstances. No cover is available for any claims arising from, related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy. 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, by using the contact details shown on the inside front cover of this booklet. 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 $75 for assessment by phone or online. After payment of the required administration fee, Allianz Global Assistance will send you written confirmation (for the period of cover available) if 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.

17 Pregnancy This International Travel Insurance may not be adequate for your needs if you are planning to travel beyond the 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 NAB 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. 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 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); • 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 after the end of your 26th 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 NAB, 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 become eligible for cover, 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 for your journey. No cover is available for antenatal care. 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 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 made available for your journey. No cover is available either for the childbirth or care of the newborn child. f) You travel beyond 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.

18 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 in Australia at any time on +61 7 3305 7499 . 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. 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, MyCard or NAB 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 cover, 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, 7 days a week. 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. Make sure you can access this booklet when travelling overseas as it contains important phone numbers and details of the cover available, together with copies of your card account statement or transaction listing 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. In the event you wish to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. 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. Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to: • Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship. • Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling. • Riding a motorcycle, moped or motorised scooter provided you are the driver (as opposed to riding as a passenger), and you hold the appropriate class of license (excluding learner’s 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, and are wearing an appropriate safety helmet at all times. Riding as a passenger is not covered by the Group Policy. Please refer to General Exclusions 7 and 8 on page 29 for information on activities that are excluded.

19 Section 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) 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. 1.1.1 What we cover ALLIANZ GLOBAL ASSISTANCE WILL ARRANGE If while overseas, during the period of cover available, 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, 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; and d) advice and assistance with emergency travel planning. MEDICAL EVACUATION AND REPATRIATION 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 Group Policy, Allianz Global Assistance will: e) 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 reasonable advice of a medical adviser; and f) provide written guarantees for payment of reasonable expenses for medical evacuation and repatriation. PERSONAL SAFETY EVACUATION If, during the period of cover available for your journey, after you have arrived in a country or region, it becomes unsafe for you to remain in that country or region because you are expelled or declared persona non grata by local authorities or the Australian Government Department of Foreign Affairs and Trade recommends that certain categories of persons (which include you) in that country or region should leave because of a: • security threat including civil unrest or political instability (but not any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military); or • natural disaster including but not limited to an earthquake, cyclone, flooding or volcanic eruption, then we will pay the cost of: g) evacuating you to the nearest place of safety (including the cost of accommodation) up to the amount specified in Part C – Benefit Limits. Please contact Allianz Global Assistance for approval of these costs. Such approval will not be unreasonably withheld or delayed; or h) returning you to your home limited to the amount specified in Part C – Benefit Limits. Please contact Allianz Global Assistance for approval of these costs. Such approval will not be unreasonably withheld or delayed. 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 medical, hospital or evacuation or repatriation expenses incurred when you did not follow the reasonable medical advice.
To the extent permitted by law, we will not pay for any expenses for medical evacuation or repatriation unless it has been first approved by Allianz Global Assistance, for which approval will not be unreasonably withheld or delayed. Please contact Allianz Global Assistance to confirm approval

20 for these costs. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. 3. To the extent permitted by law we will not pay for any amounts relating to your Personal Safety Evacuation if: a) your claim arises directly or indirectly from you violating the laws or regulations of the country you are in; b) you failing to obtain, maintain or produce to the authorities in the country you are in any immigration permit, visa or similar authorisation; c) your claim arises directly or indirectly from any commercial or contractual dispute; d) any of the events that caused your evacuation were in existence or had occurred, or the occurrence was reasonably foreseeable before you entered the country or region from which you were evacuated; e) the events that caused your evacuation were due to an act or threat of terrorism. Section 1.2 Overseas Emergency Medical 1.2.1 What we cover OVERSEAS MEDICAL EXPENSES DUE TO COVERED INJURY OR SICKNESS a) If you injure yourself overseas 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. 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 we will reimburse you for the medical expenses for the 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 must 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 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 a reasonable amount up to the limit shown in Part C – Benefit Limits – 1.2 Overseas Emergency Medical, which we consider to be equivalent to: • your medical expenses incurred overseas to the date that Allianz Global Assistance would have been able to reasonably facilitate your return to Australia; plus • the reasonable amount it would cost 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 reasonable 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 and your cover for any additional events will end. 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 reasonable 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;

21 e) for preventative dental treatment; f) 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); g) arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover; h) when you have not notified Allianz Global Assistance as soon as reasonably practicable of your admittance to hospital; i) Incurred after two consecutive weeks treatment by a chiropractor, physiotherapist or dentist, unless approved by Allianz Global Assistance. 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 (including natural teeth with a filling, cap or crown) that is not an injury or sickness covered in Section 1.2 – Overseas Emergency Medical, 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 medical care under a Reciprocal Health Care Agreement; b) relating to dental treatment involving the use of precious metals or for cosmetic dentistry; c) relating to repair or replacement to existing dentures, dental prostheses or bridges; d) for dental treatment caused by or related to the deterioration and/or decay of teeth; e) for routine or preventative dental treatment; or f) arising from a pre-existing medical condition. Section 1.4 Hospital Cash Allowance 1.4.1 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 48 consecutive hours as a result of an injury or sickness, then we will pay you the benefit specified in Part C – Benefit Limits – 1.4 Hospital Cash Allowance for each day in excess of 48 consecutive hours that you continue to be a hospital inpatient. 1.4.2 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. Section 1.5 Accidental Death 1.5.1 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 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 12 consecutive months and you are presumed dead, we will pay the benefit specified in Part C – Benefit Limits – 1.5 Accidental Death, to your estate. Section 1.6 Funeral Expenses 1.6.1 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 – 1.6 Funeral Expenses.

22 1.6.2 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 1.7 Loss of Income 1.7.1 What we cover If you are a cardholder or 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 30 consecutive days from the date of your return to your home; and 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 your verified income up to the maximum total limit shown in Part C – Benefit Limits – 1.7 Loss of Income, starting from the 31st consecutive day after your return to your home. 1.7.2 What we exclude No cover is available for loss of income if you are a dependant. Section 1.8 Assault requiring Hospital Admission 1.8.1 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 – 1.8 Assault requiring hospital admission. Conditions If you want to claim under the cover available, you should to the extent reasonably practicable 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. 1.9 Permanent Disability 1.9.1 What we cover If, during the period of cover available, you suffer a permanent disability being the 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: • that causes you permanent disability within 12 consecutive months of the occurrence of the injury; and • that continues for at least 12 consecutive months; and • that at the expiry of 12 consecutive months is, in the opinion of an appropriate medical adviser, beyond hope of improvement; we will pay you the benefit amount specified in Part C – Benefit Limits – 1.9 Permanent Disability. Section 2.1 Cancellation 2.1.1 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 are outside of 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:

23 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 Part C – Benefit Limits – 2.1 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 Part C – Benefit Limits – 2.1.1 b) Travel agent’s fees, whichever is the lesser. FREQUENT FLYER, AIR MILES, LOYALTY CARD POINTS & REDEEMABLE 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 pay you, which is limited to the maximum total limit specified in Part C – Benefit Limits – 2.1 Cancellation, as follows: • 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 2.1.1 a), 2.1.1 b) and 2.1.1 c) had your journey been cancelled. We will not pay a claim under sub-section 2.1.1 d) in addition to a claim under sub-sections 2.1.1 a), 2.1.1 b) and 2.1.1 c) for the same services/facilities. If you have a claim under sub-sections 2.1.1 a), 2.1.1 b), 2.1.1 c) or 2.1.1 d) and while on your journey, you have to reschedule your journey, we will also pay you up to the maximum total limit specified in Part C – Benefit Limits – 2.1.1 d) Rescheduling your journey for your reasonable additional meal, internet and telephone costs to rearrange your journey. 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 heading Claims or call the contact number shown on the inside front cover of this 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. If your claim is related to your fitness to travel, you should provide us with written confirmation from a medical adviser. 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;

24 c) arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover. 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. Section 2.2 Withdrawal of Services 2.2.1 What we cover If during the period of cover available for your journey: • all electrical and water facilities in your room; or • waiter service at meals; or • kitchen services where no food is served; or • all housekeeping services are withdrawn for 48 consecutive hours or more due to unforeseeable circumstances at the pre-paid accommodation that you are staying at during your journey, we will pay you the benefit amount specified in Part C – Benefit Limits – 2.2 Withdrawal of Services for each 24 consecutive hour period in excess of the initial 48 consecutive hour period that the facilities or services are withdrawn, up to the maximum total limit specified in Part C – Benefit Limits – 2.2 Withdrawal of Services. Conditions If you want to claim under the cover available, you should provide us with written confirmation from your pre-paid accommodation provider of the length of time the facilities and/or services were withdrawn. 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) 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. 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. 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. 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. You must

25 make use of any pre-arranged return travel to your home. Where reasonably practicable, please contact Allianz Global Assistance for approval before incurring these costs. 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. 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. Such approval will not be unreasonably withheld or delayed. 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. Such approval will not be unreasonably withheld or delayed. 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 any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover. 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. Section 3.2 Travel Delay Expenses 3.2.1 What we cover If a delay to your journey, for at least 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 6 consecutive hour period and for each subsequent 24 consecutive hour period thereafter. 3.2.2 What we exclude We will not pay if a delay to your journey arises:

26 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 or 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. 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) because of 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 and Resumption of Journey due to a Relative’s Death or Hospital Admission 3.4.1 What we cover a) If, during the period of cover available for your journey, your relative who is resident in Australia and who is aged under 81 years at the time you become eligible for cover, dies unexpectedly or is hospitalised due to a serious illness, injury or sickness diagnosed while you are on your journey, we will reimburse the reasonable additional cost of your early return to your home. Where reasonably practicable, please contact Allianz Global Assistance for approval before incurring these costs. 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) If during the period of cover available for your journey, you return home because: • a relative of yours who is a resident in Australia and who is aged under 81 years at the time you become eligible for cover dies unexpectedly or is hospitalised due to a serious illness, injury or sickness diagnosed while you are on your journey; and • it is possible for your journey to be resumed; and • there is more than 14 consecutive days or 25%, whichever is the greater, remaining of the period of cover available for your journey, as noted on your overseas travel ticket; and • you resume your journey within 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. The most we will pay under this sub-section is up to the limit shown in Part C – Benefit Limits – 3.4 Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission. 3.4.2 What we exclude 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 3.5 Domestic Pet Accommodation 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 Pet Accommodation up to the maximum total limit specified in Part C – Benefit Limits – 3.5 Domestic Pet Accommodation.

27 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 Emergency Accommodation due to Terrorism 3.6.1 What we cover If during the period of cover available for your journey, your journey is delayed due to an act of terrorism we will reimburse you for the reasonable additional cost of accommodation you incur during the period of delay up to the amount per day specified in Part C – Benefit Limits. Section 3.7 Hijack 3.7.1 What we cover If, during the period of cover available for your journey, your scheduled public transport that you are travelling on is hijacked and you subsequently want to cancel your journey and return home we will reimburse you for the reasonable additional travel expenses you incur and the unrecoverable cost of prepaid travel arrangements that you do not use limited to the maximum total limit specified in Part C – Benefit Limits. 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 safeguard your covered items or valuables). 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. The amount we will pay will be the lesser of: • the depreciated value after allowing for age, wear and tear (see the Depreciation section 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 Part C – Benefit Limits 4.1 Luggage for personal computers, video recorders or cameras; 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.

28 For the avoidance of any doubt, cover is provided for: • theft of, accidental damage to or permanent loss of dentures or dental prostheses whilst you are not wearing them; • theft of, accidental damage to, or permanent loss of your covered items (except valuables) while they are left in a locked storage facility and if there is forced entry into the locked storage facility; • the cost of medical consultation fees you incur to replace prescription medication which is accidentally lost, stolen or accidentally damaged, together with the replacement cost of the medication. 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) Covered items left in a vehicle during daylight hours. 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. The most we will pay is up to the item limits specified in Part C – Benefit Limits – 4.1.1 a). Conditions If you make a claim, you will need to provide proof of ownership and the value of your belongings (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 limit shown for that type of item in Part C – Benefit Limits – 4.1 Luggage. Where reasonably practical, 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 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 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 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, ride share 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 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 those persons fail to take reasonable precautions to safeguard your covered items or valuables).

29 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; 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; k) the covered items were sporting equipment that were damaged during use. 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 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 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. 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. 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 10 consecutive hours (except on the leg of your journey to your home), 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 should 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.

30 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 made available. Section 4.4 Replacement Sporting Equipment 4.4.1 What we cover If during the period of cover available for your journey any of your sporting equipment is delayed, misdirected, misplaced or accidentally damaged by the carrier (except on the leg of your journey to your home) we will reimburse you for the reasonable costs you incur for you to hire replacement sporting equipment, up to the amount specified in Part C – Benefit Limits – 4.4 Replacement Sporting Equipment. Conditions You should make reasonable efforts to obtain confirmation from the carrier who was responsible for your covered items confirming that your items were delayed, misdirected, misplaced or accidentally damaged 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 cover 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. 5.1.1 What we cover RENTAL VEHICLE DAMAGE OR THEFT a) 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, 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 Part C – Benefit Limits – 5.1.1 a) Rental vehicle damage or theft. RETURN OF RENTAL VEHICLE b) If during the period of cover provided you are injured or become sick and your treating medical adviser certifies in writing that you are incapacitated and unable to return your rental vehicle to the rental company, we will pay you up to the amount specified in Part C – Benefit Limits – 5.1.1 b) Return of rental vehicle for the cost you incur to return your rental vehicle to the nearest depot of the rental company. Conditions 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.

31 5.1.2 What we exclude To the extent permitted by law, we will not pay if your claim arises directly or indirectly from, or is in any way connected with, 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, 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. To ensure you are covered, please contact Allianz Global Assistance before incurring any liability costs or expenses. 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 waters) 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; f) any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, 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; l) illness, sickness or disease that is transmitted by you.

32 Section 6.2 Legal Expenses 6.2.1 What we cover If, during the period of cover available for your journey, you are injured or die because of the fault of some entity other than a relative or travel companion, we will reimburse you or your estate up to the limit specified in Part C – Benefit Limits for reasonable legal costs you incur in the pursuit of damages or compensation from the entity at fault. Conditions You or your estate will need to take reasonable steps to obtain our consent in writing before incurring any legal costs or commencing proceedings against any entity at fault. If you do not obtain consent prior to incurring the costs, we may reduce or refuse your claim to the extent we are prejudiced. To ensure you are covered, please contact Allianz Global Assistance before incurring any liability costs or expenses. 6.2.2 What we exclude To the extent permitted by law, we will not pay any amount you incur for: a) any claim you make against any travel service provider or insurance company; b) any legal costs you incur without our prior written consent. If you do not obtain our prior written consent, we may reduce or refuse your claim to the extent we are prejudiced. To ensure you are covered, please contact Allianz Global Assistance before incurring any liability costs or expenses; c) any legal action where after obtaining independent legal advice, we consider that no benefit would be achieved by pursuing such action. Domestic Travel Insurance Not all insurance covers are available for all cards and different conditions may also apply depending on your Card Level, so please refer to each Part of this Policy Information Booklet to determine the complimentary insurance benefits that may be available to you. Part A – Eligibility for Cover Who is eligible? If you are a Level 1 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; or
before commencing your journey, you spend at least $250 on your prepaid travel costs, for example, your return domestic travel ticket, your prepaid domestic accommodation, your prepaid domestic cruise, travel or tour, and you charge these costs to the accountholder’s card account and you have a return domestic flight ticket 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 if: a) the entire cost of their return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or b) before commencing the journey, at least $250 of each of the spouse and/or dependant’s prepaid travel costs are charged to the accountholder’s card account and each of the spouse and/or dependants has a return domestic flight ticket; and c) 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. 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.

33 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 – 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 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. 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 domestic flight ticket; or b) when you cancel your return domestic flight ticket; or c) for Level 1 Card cardholders, spouses and/or dependants, 28 consecutive days after your journey starts. For the avoidance of doubt, the period of cover available is for a maximum of 28 days per journey for Level 1 Card cardholders. Part C – Benefit Limits The table below sets out the amounts and maximum limits of what we will pay under each section of Domestic 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 applicable sub-limits. The cover described in the table below is a summary only. All costs and expenses claimed must be necessary and reasonable. Section Limit 1.1 Cancellation Up to a maximum total limit of $3,000 for all claims combined 2.1 Flight Delay 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined 3.1 Additional Expenses Up to a maximum total limit of $3,000 4.1 Luggage Up to $750 for each covered item, up to a maximum total limit of $2,000 4.2 Luggage Delay 12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined Part D – Excesses & General Exclusions Excesses 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 Cover type Excess 1.1 Cancellation $75 2.1 Flight Delay Nil 3.1 Additional Expenses $75 4.1 Luggage $75 4.2 Luggage Delay Nil

34 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 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 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: • 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;
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;
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;
your participation as a crew member or pilot of any transportation;
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;
any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;
your failure to take reasonable care such as failure to wear appropriate safety equipment;
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;

35 16. a nuclear reaction or contamination from nuclear weapons or radioactivity; 17. 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; 18. 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 E – The Cover Available In order to be sure that you are covered under this policy, 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. 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, during the period of cover available, 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 Part D – 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 5 and 13 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 claim arising from, or related to, epidemics and pandemics, there is no cover. Section 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 Part C – Benefit Limits – 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 Part C – Benefit Limits – 1.1 Cancellation, whichever is the lesser.

36 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 Part C – Benefit Limits – 1.1 Cancellation, as follows: • 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 2.1.1 a), b) and c) had your journey been cancelled. We will not pay a claim under sub-section 2.1.1 d) in addition to a claim under sub-sections 2.1.1 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 or call the contact number shown on the inside front cover of this 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. 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. 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 domestic 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.

37 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 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. 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.

38 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. 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, 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 the Depreciation section 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 Part C – Benefit Limits – 4.1 Luggage. 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.

39 b) Covered items specified in 4.1.1 a) 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 Part C – Benefit Limits – 4.1.1 b) Luggage 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 limit shown for that type of item in the Part C – Benefit Limits – 4.1 Luggage. 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 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; 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; k) the covered items were sporting equipment that were damaged during use.

40 Section 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 Part C – Benefit Limits – 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. 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. Rental Vehicle Excess Insurance in Australia Not all insurance covers are available for all cards and different conditions may also apply depending on your Card Level, so please refer to each Part of this Policy Information Booklet to determine the complimentary insurance benefits that may be available to you. Part A – Eligibility for Cover Who is eligible? Level 1 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 at the expiry of the rental vehicle agreement, whichever occurs earlier. Part C – Benefit Limits 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 Part E and is subject to the applicable terms, conditions, exclusions, limits and sub-limits. Limit Level 1 Cards – The amount specified in your rental vehicle agreement up to the maximum total limit of $10,000 for all claims combined during the rental period.

41 Part D – Excess & Exclusions Excess You must pay the following excess amount for each claim made under this insurance, 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 $100 applies to each claim payable under Rental Vehicle Excess Insurance in Australia. 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 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;
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 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 E – The Cover Available In order to be sure that you are covered under this policy, 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 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. 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,

42 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 Part C – Benefit Limits. 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. Purchase Protection Insurance Not all insurance covers are available for all cards and different conditions may also apply depending on your Card Level, so please refer to each Part of this Policy Information Booklet to determine the complimentary insurance benefits that may be available to you. Part A – Eligibility for Cover Who is eligible? Level 1 and Level 3 Card cardholders are eligible for Purchase Protection Insurance for covered items or valuables: • purchased anywhere in the world; or • purchased and 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. Part B – Period of Cover Purchase Protection Insurance applies to covered items and valuables after the date 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. Period of cover 90 consecutive days for purchases made with a Level 1 or Level 3 Card. Part C – Benefit Limits The table below 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. Limit Purchase price charged to card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

43 Part D – Excess & Exclusions Excess No excess applies to any claim under Purchase Protection 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 or arising from:

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, ride share 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 reasonably explained;
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 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;
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;
the covered items were sporting equipment that were damaged during use;
the covered items were valuables that were 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);
the covered items or valuables were left in a motor vehicle.

44 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 we will pay you 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 for jewellery, watches and new works of art. The most we will pay for all claims in any 12 month period is the maximum total limit specified in Part C – Benefit Limits. 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). As soon as reasonably 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 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. Extended Warranty Insurance Not all insurance covers are available for all cards and different conditions may also apply depending on your Card Level, so please refer to each Part of this Policy Information Booklet to determine the complimentary insurance benefits that may be available to you. Part A – Eligibility for Cover Who is eligible? Level 1 and Level 3 Card cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account. This Extended Warranty Insurance is not transferable to any other person. Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance. 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 one full year. However, there is no cover if the manufacturer’s warranty exceeds five years.

45 The table below sets out examples of how extended warranty periods apply. Manufacturer’s Warranty Extended Warranty Period 6 months 6 months 1 year 1 year 1 to 5 years 1 year 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. Limit Purchase price charged to card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period. Part D – Excess & Exclusions Excess No excess applies to any claim payable under Extended Warranty 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 or arising from:

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; or
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 E – The Cover Available Your covered item 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 item and does not change those rights or remedies.

46 What we cover If a covered item that you purchased and charged the whole purchase price to the accountholder’s card account suffers a covered breakdown during the period of cover available, we will reimburse you the lesser of: • the original purchase price; or • the repair cost; or • the replacement cost; or • the limit per covered item specified in Part C – Benefit Limits, subject to the maximum total limit per card account in any 12 consecutive month period as specified in Part C – Benefit Limits. Conditions Only items with a manufacturer’s unique identification serial number on them are covered under this insurance. You must take all reasonable care to protect and/or maintain your covered items. You should obtain our approval before starting any repairs or replacement of any covered item that has suffered a covered breakdown. If you do not, we may reduce the amount payable for your claim to the extent we are prejudiced. Please contact Allianz Global Assistance for approval of these costs. Claims How to make a claim Please do not contact NAB 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 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. 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. NAB will provide you with details of any replacement cover. You can lodge your International Travel Insurance claim online at travelclaims.com.au You can obtain claim forms and information on how to make a claim at checkyourcover/mycard 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, 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 your claim. 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 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;

47 • 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 reasonably practicable; • 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 or valuable 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 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. 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 to a maximum deduction of 80%. FOR EXAMPLE: You have a $500 digital camera which was purchased 2 years before the date it was lost. The applicable 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% for each year 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. 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 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. 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 pays you. You cannot claim from us and from the other insurer to obtain an aggregate amount that exceeds your loss. If during the period of cover made available, you suffer a loss which is not fully 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.
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. 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 NAB will be informed of the situation and you may no longer be eligible for the cover described in this booklet. 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 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of MyCard branded credit cards. IMP3736_CTBNAC A183226-0626

Source: https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-mobile-phone-insurance-tcs.pdf

1 MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions AIG Australia Limited of Level 19, 2 Park Street, Sydney, NSW 2000 (the “Insurer” ) has issued a group policy (the “Group Policy” ) to the Policyholder which is subject to the terms and conditions contained herein. I. Preamble and Disclosures This document contains important information about the Group Policy, which are available to Eligible Cardholders ( “You/Your” ). Cover applies to claims made on or after 1 October 2026. Eligible Cardholders are not covered for claims made for losses occurring after termination of or the expiry of the period of the Group Policy. The Policyholder will provide Eligible Cardholders with details of any replacement cover. 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 Group Policy and the terms, conditions and exclusions relevant to the cover provided. The benefits of the Group Policy is provided to Eligible Cardholders who hold an Eligible Card. National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) is the Policyholder. The Policyholder is not the issuer of the Insurance Coverage and neither the Policyholder nor any of its related corporations guarantee any of the benefits under the Group Policy. The covers described in this document are provided for Your benefit under a Group Policy entered into between the Insurer and the Policyholder. The Policyholder is the policy owner. When eligible, You have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer in relation to this cover. The Policyholder does not hold anything on trust for, or for the benefit of, or on behalf of, You in relation to this Insurance Coverage. The terms and conditions of cover found in this document only provides factual information in relation to the Insurance Coverage. The information the Insurer provides is not intended to and does not provide or imply any recommendation or opinion about such insurance. So as to make sure that the cover meets Your needs and is suitable for You and Your personal circumstances, these terms and conditions must be reviewed by You and, if necessary, You should also seek independent financial advice in relation to same. The Policyholder nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001) of the Insurer. The Policyholder does not act on behalf of the Insurer or on Your behalf in relation to the Group Policy. If the Group Policy is terminated, any claim made for losses arising prior to such date of termination will be covered by and subject to the terms of the Group Policy. The Policyholder will give You prior written notice if the Group Policy ends. This benefit replaces the existing benefit prior to 1 October 2026 and will cover any Accidental Damage or Theft incident occurred after 1 October 2026.

2 You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at: AIG Australia Limited Level 19, 2 Park Street Sydney, NSW 2000 Australia Apac.partners@AIG.com Code of Practice The Insurer is a signatory to the General Insurance Code of Practice (“Code”). The Code sets out the minimum standards of service that can be expected from the insurance industry and requires insurers to be open, fair and honest in their dealings with customers. The Insurer is committed to adhering to the objectives of the Code and to uphold these minimum standards when providing services covered by this Code. The Code objectives will be followed having regards to the law and acknowledging that a contract of insurance is a contract based on the utmost good faith. For more information on the Code please visit www.codeofpractice.com.au . Complaints and Feedback Learning about Your experiences with Us and Our service partners helps to improve the way We do business with You. If You have feedback, or an issue You would like resolved We encourage You to make contact. Below is information on how to contact Us and how We will work together to resolve any concerns You have. How to provide feedback

Speak to Our Complaints team Our Complaints team can be contacted on 1800 339 669 . To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.
Provide Your feedback in writing If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to: The Complaints Team AIG Australia Limited Level 13, 717 Bourke Street Docklands VIC 3008 Email: aucomplaints@aig.com What happens if You make a complaint? If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties. We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.
Acknowledge Your complaint within one (1) business day or as soon as practicable;
We will tell You who will handle Your complaint and their contact details;
We will, where applicable, keep You informed via Your preferred method of communication of the progress of Your complaint every ten (10) business days, more frequently or necessary or as agreed by both of Us;
We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy ; and
Within 30 calendar days from the date We receive Your complaint, We will provide a response to Your complaint. If We cannot meet any of the stated time frames, We will communicate to You the reasons why this has not been possible. We will also advise You when You should expect to receive a response or decision.

3 What You can do if You are not happy with Our response or handling of Your complaint If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”). The Committee is comprised of Senior Management of the company who has the experience and authority to decide on matters brought to the Committee. If You wish to have Your complaint reviewed by the Committee, please telephone or write to the Complaints team as per the details above. As part of Your request, please include detailed reasons for requesting the review and the outcome You are seeking. This information will assist the Committee in carrying out its assessment and review of Your complaint. A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You. If We are unable to provide a response within 30 calendar days of receipt of the initial complaint, We will inform You of (i) the time frame for when Your complaint will be heard by the Committee; (ii) when You should expect to receive a response from the Committee; (iii) the reasons for such delay; (iv) Your right to complain to AFCA if You are dissatisfied with such reasons; and (v) the contact details for AFCA. Your right to complain to the Australian Financial Complaints Authority (AFCA) You can take Your complaint to AFCA at any time, including:

if We have been unable to resolve Your complaint within 30 calendar days;
You are dissatisfied with the outcome of Your complaint; or
You are dissatisfied with the findings of the Committee. AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which AIG is obliged to comply. Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process. AFCA’s contact details are: Australian Financial Complaints Authority (AFCA) GPO Box 3 Melbourne VIC 3001 Website: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) The use of AFCA does not preclude You from subsequently exercising any legal rights which You may have if You are still unhappy with the outcome. Before doing so however, We strongly recommend that You obtain independent legal advice. If Your complaint does not fall within AFCA’s Rules, We will advise You to seek independent legal advice or give You information about any other external dispute resolution options where available to You. PRIVACY NOTICE This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:
You, if an individual; and
other individuals You provide information about. Further information about Our Privacy Policy is available at www.aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy. manager @aig .com . How We Collect Your Personal Information AIG usually collects personal information from You or Your agents. Under the Group Policy, AIG will only collect Your personal information during a claim submission. AIG may also collect personal information from:
its agents and service providers;
other insurers;

4 3. the Policyholder to assist to administer the MyCard branded credit card; 4. people who are involved in a claim or assist AIG in investigating or processing claims, including third parties claiming under the Group Policy, witnesses and medical practitioners; 5. third parties who may be arranging insurance cover for a group that You are a part of; 6. providers of marketing lists and industry databases; and 7. publicly available sources. Why We Collect Your Personal Information AIG collects information necessary to:

underwrite and administer Your insurance cover;
improve customer service and products and carry out research and analysis, including data analytics; and
advise You of its and other products and services that may interest You. Failure to disclose information required may result in AIG declining cover, cancelling Your insurance cover or reducing the level of cover, or declining claims. To Whom We Disclose Your Personal Information In the course of underwriting and administering the Group Policy, AIG may disclose Your information to:
Your or its agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of the Group Policy;
banks and financial institutions for policy payments;
the Policyholder to assist to administer the MyCard branded credit card;
Your or its agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;
entities to which AIG is related and third-party providers for data analytics functions;
other entities to enable them to offer their products or services to You; and
government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law. AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, Canada, Bermuda, United Kingdom, Ireland, Belgium, The Netherlands, Germany, France, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as Well as any country in which You have a claim and such other countries as may be notified in Our Privacy Policy from time to time. You may request not to receive direct marketing communications from AIG. Access to Your Personal Information Our Privacy Policy contains information about how You may access and seek correction of personal information AIG hold about You. In summary, You may gain access to Your personal information by submitting a written request to AIG. In some circumstances permitted under the Privacy Act 1988, AIG may not permit access to Your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful. Complaints Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how AIG will deal with such a complaint. Consent If applicable, Your application includes a consent that You and any other individuals You provide information about consent to the collection, use and disclosure of personal information as set out in this notice.

5 II. Summary of Cover Subject to the terms contained in this document and the Group Policy, the Insurer agrees to provide the following coverage to the Eligible Cardholders: Insurance Coverage Benefit Amount(AUD) Mobile Phone Protection Per Occurrence Limit: Up to $1,000 Annual Aggregate Limit: Up to $1,650 Excess: $50 Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD). Claim Amount and Excess We will pay (if applicable) up to the Per Occurrence Limit per Eligible Cardholder for each claim as stated in the Summary of Cover table above. For any consecutive twelve-month period within the Group Policy Period, the maximum amount We will pay per Eligible Cardholder for all claims during such consecutive twelve-month period is the Annual Aggregate Limit set out in the table above. The applicable Excess is also set out in the table above. Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and this document and based on information offered by the Policyholder. III. Definitions Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter: Accidental Damage means the Mobile Phone no longer performing the function it was intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event. AFSL means an Australian Financial Services Licence. Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the Mobile Phone Protection Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss. Cardholder(s) means all individuals who have been issued an Eligible Card, including secondary or additional Cardholders on the same account, in Australia where such Eligible Card is issued by a participating Issuer. Eligible Card means a participating Issuer’s MyCard Premier, MyCard Premier Qantas, MyCard Rewards, MyCard Rewards Qantas, MyCard Clear, MyCard Standard and MyCard Simplicity Mastercard and/or Visa credit cards which have been issued to Eligible Cardholders. Eligible Cardholders/You/Your means those Cardholders with Eligible Cards who shall be entitled to receive payment or such other benefit as is provided for in the Summary of Cover and the Group Policy. Excess means a monetary contribution You are required to pay towards a claim You make. Group Policy means the contract of insurance between the Insurer and the Policyholder. Group Policy Period means the period beginning from 31st May 2021 and until the Group Policy is terminated. Insurer/We/Us/Our/AIG means AIG Australia Limited. Issuer means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) an entity that is authorised by Mastercard and/or Visa to operate a card program in the Territory and is participating in the insurance offering to Eligible Cardholders under the Group Policy. Lost means You have accidentally misplaced Your Mobile Phone and it is unrecoverable. Mobile Phone means a telephone device associated with the Eligible Cardholder’s Postpaid plan, that use radio waves over a networked area (cells) and is served through cell sites or base stations at a fixed location, enabling calls to transmit wirelessly over a given range. For the avoidance of doubt, smart watch or tablet is not considered as a Mobile Phone.

6 NAB means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Natural Catastrophe means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami. Per Occurrence Limit means the maximum amount of benefit available under the Summary of Cover for any single incident per Eligible Cardholder during the Group Policy Period. Policyholder means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Postpaid means a mobile telephone subscription where the Eligible Cardholder enters into a contract with a mobile provider with a monthly billing arrangement. Territory means the country or region in which Eligible Cards are issued, in this case, Australia. Theft means the unlawful intentional and dishonest taking of the Mobile Phone belonging to the Eligible Cardholder without their consent, with intent to permanently deprive him/her of such Mobile Phone. IV. Coverage The Insurer (“We/Our/Us”) will pay for loss due to Accidental Damage or Theft up to the Per Occurrence Limit and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder as set out in the Summary of Cover above, if the mobile provider’s monthly Postpaid billing statement for the billing cycle preceding the month in which the Accidental Damage or Theft occurred is paid in full using the Eligible Card. Effective Period of Coverage Coverage begins on the first day of the calendar month following the payment of Your Postpaid monthly mobile telephone bill. Coverage will be valid until the last day of the calendar month following the payment of Your Postpaid monthly mobile telephone bill. Valuation Acting reasonably, We will decide whether to have the Mobile Phone repaired or replaced. We will be liable only for the lesser of the following amounts:

the cost to repair or replace the Mobile Phone after the Excess has first been applied to the cost to repair or replace the Mobile Phone;
the Per Occurrence Limit; or
the remaining amount of the Annual Aggregate Limit. Eligible Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. The Insurer will notify the Eligible cardholder if they need to send in the Mobile Phone for such evaluation. Scope of Insurance Coverage Our maximum liability for this coverage will not exceed the Annual Aggregate Limit per Eligible Card per twelve-month period, subject to the terms, conditions, exclusions, and limits of liability of the Group Policy and this document as well as the Excess stated in the Summary of Cover above. Coverage is excess of any other applicable insurance or indemnity the Eligible Cardholder may have. Individual Termination Date An Eligible Cardholder’s coverage under this agreement shall terminate on the earliest of:
the date the Eligible Cardholder no longer qualifies as an Eligible Cardholder;
the date the Eligible Card is determined to be ineligible by the Issuer;
the date the Issuer ceases to participate in the Group Policy; or
the date the Group Policy is terminated. Coverage shall be provided under this section for the Mobile Phone Theft or Accidental Damage during the Effective Period of Coverage as determined above. Coverage will terminate on the applicable individual termination date specified in the paragraph above.

7 If the coverage is terminated, any claim arising prior to such date of termination will, subject to the terms of the Group Policy and these terms and conditions, be eligible for coverage by the Insurer. Coverage shall not be provided for any Theft or Accidental Damage after the individual termination date as determined above. Suspension of Coverage Coverage will be suspended on the first day of the following calendar month following the month during which an Eligible Cardholder fails to make a mobile telephone Postpaid bill payment using the Eligible Card while coverage is in effect in the previous month. Resumption of Coverage If coverage is suspended in accordance with the above, coverage will resume after a 15-day waiting period following the date of any future mobile telephone Postpaid bill payment using an Eligible Card. For example, an Eligible Cardholder paid their Postpaid monthly mobile telephone bill on 15 June using their Eligible Card. The insurance coverage starts automatically from 1 July until 31 July. If then the Eligible Cardholder does not pay their Postpaid monthly mobile telephone bill in the month of July, there will be no insurance coverage in August. Should the Eligible Cardholder then pay their Postpaid monthly mobile telephone bill in full on 5 August using their Eligible Card, the insurance coverage will then resume on 20 August. V. Exclusions No coverage will be provided for any of the following:

Mobile Phone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
Mobile Phones that are Lost.
Any loss that does not occur within the Group Policy Period.
Losses caused by the process of cleaning, servicing, maintaining, adjusting, or You repairing the Mobile Phone.
Mobile Phone purchased for resale or for professional or commercial use.
Mobile Phones under the care and control of a common carrier, including, but not limited to, the postal service, airplanes or delivery service.
Mobile Phones stolen from baggage unless hand-carried and under the Eligible Cardholder’s supervision or under the supervision of the Eligible Cardholder’s travelling companion who is previously known to the Eligible Cardholder.
Accidental Damage or Theft resulting from Your abuse, omission or negligence or the abuse, omission or negligence of anyone acting on Your behalf, including but not limited to leaving Your Mobile Phone unattended in any place or motor vehicle where it is, or was, plainly visible.
Cosmetic damage such as a dent or scratch to the Mobile Phone or Accidental Damage that does not impact the Mobile Phone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 5cm in length that does not prevent the ability to make or receive phone calls or to use other operations and functions of the Mobile Phone).
Accidental Damage or Mobile Phone Theft resulting from abuse, intentional acts, fraud, risks of contraband, illegal activities, normal wear and tear, Natural Catastrophe, radioactive contamination, or damage from inherent product defects or vermin.
Losses resulting from a failure of Mobile Phone due to a defect in materials and/or workmanship and/ or design, including but not limited to inherent product defects, software, or data failure.
Accidental Damage or Theft resulting from mis-delivery or theft by fraud or deceit.
Replacement Mobile Phone purchased from other than a mobile provider’s authorised retail or internet store.
Taxes, delivery or transportation charges or any fees associated with the service provided.

8 15. Losses resulting from information or data loss, sent from, or received, on a Mobile Phone following Accidental Damage or Theft. 16. Loss resulting from hostilities of any kind including, but not limited to war, civil war, invasion, insurrection, revolution, use of or threatened use of military power or usurpation of government or military power. 17. Loss resulting from any terrorist act, or the intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act. 18. Losses due to, or related to, a nuclear, biological or chemical event(s). or 19. Losses due to the order of any government, public authority, or customs official. VI. Duties After a Loss You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under these coverages, You must contact Us as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to https:// ba.mycardbenefits.com/ or send a notification to Us to obtain a claim form and instructions on what to do after a loss. Our contact details are set out below: AIG Australia Limited Level 19, 2 Park Street Sydney NSW 2000 Australia Tel: +613 9522 4111 Customer Service Timing: 8:30am to 5:30pm, Monday to Friday Email: Apac.partners@AIG.com The Eligible Cardholder must as soon as reasonably practicable:

complete, sign and return the claim form to Us* together with: a. the Eligible Cardholder’s card statement reflecting the monthly Postpaid mobile telephone payment for the month preceding the date the Mobile Phone was subject to Theft or Accidental Damage; b. a copy of the Eligible Cardholder’s current mobile provider’s billing statement; c. if available, a copy of the original Mobile Phone purchase receipt or other sufficient proof of the Mobile Phone model currently linked to the Eligible Cardholder’s mobile telephone account; d. if there is existing insurance from the mobile operator, a copy of the insurance claim to the Eligible Cardholder’s mobile telephone insurance, or in the event that the claim amount is less than the Eligible Cardholder’s deductible, a copy of the policy’s declarations page; e. for Accidental Damage claims, a copy of the repair memo, repair estimate and/or service report from an authorised repairer and photographs of the Accidental Damage may be requested; f. for Theft claims, an official copies of the police report as soon as reasonably practicable; and g. any other relevant documents We may reasonably ask You to provide. *Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery. VII. Limits of Liability Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II – Summary of Cover. Annual Aggregate: The total of all benefits paid or payable while the Group Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II – Summary of Cover.

9 VIII. General Obligations following a Loss In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

take all reasonably practicable measures to prevent and avoid further loss or damage;
complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of Your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;
disclose to Us details of any other insurance cover under which You are entitled to claim;
upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;
where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);
provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;
reasonably co-operate with Us in investigating, evaluating and settling a claim; and
if the loss involved theft report of the theft to the police as soon as reasonably practicable. IX. General Conditions A. Disputes Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under the Group Policy, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales. B. Governing Law The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales. C. Loss Prevention You must use all reasonable means to avoid future loss at and after the time of loss. D. Sanctions We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America or the Commonwealth of Australia. E. Transfer The Policyholder or You may not transfer its interest in this insurance to anyone. F. Cancellation Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us. G. Changes The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, it may be necessary to amend any of the terms and conditions of the Group Policy and You will receive notice of any such amendments from the Policyholder in due course. No change or modification of the Group Policy shall be effective except when made by written endorsement signed by Our authorised representative.

Mobile Phone Protection Insurance ( Cover ) is provided under and by way of a group policy ( Group Policy ) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) ( AIG ) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ( “NAB” ). NAB is the credit provider and issuer of MyCard branded credit cards. This Cover is available to Cardholders (“you/your”) while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “ MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions ” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB is not the issuer or insurer of the Cover. NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement. A183414-0826 H. Subrogation If We settle any claim or payment or otherwise cover any loss applying under the Group Policy, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation. I. Compliance The benefits of the Group Policy are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms. J. Financial Claims Scheme The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy. In the unlikely event that we are unable to meet our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at https://www.fcs.gov.au . K. Payment of Claims All payments to be made by the Insurer shall be paid to Eligible Cardholder in the Territory and such payments shall be subject to the laws and regulations then in effect in the Territory.

Source: https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/credit-card-tcs.pdf

Credit Card Terms and Conditions and Other Important Information This booklet includes your Terms and Conditions, Credit Guide and Information Statement Effective 24 November 2025 MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB.

3 2 Key things to keep in mind This document and the offer document we sent to you are important, and set out our and your rights and obligations regarding your Account. The offer document includes the Financial Table that sets out the key details about your Account, including your Credit Limit, Annual Percentage Rates and fees and charges. Please keep them and refer to them when you need it. While it’s important for you and any Additional Cardholder to read this entire document as well as the offer document (including the Financial Table), we’ve pulled out some key things you should know upfront: Tell us if something doesn’t seem right It’s important to check your transaction history, which you can do in Online Servicing or when you receive a statement. Contact us immediately if you suspect a Card is lost or stolen, a Security Code (including a PIN) is compromised, there are unauthorised or disputed transactions on your Account or any other security breach. Please see section 12 of Part A of this booklet for reporting requirements. In some circumstances, you’ll be liable for unauthorised use of Cards. Contacting us quickly stops you being liable for some types of transactions (see section 12 of Part A of this booklet) and means we may ask for a Chargeback of a transaction where that right exists (see section 10 of Part A of this booklet). The ability to dispute a transaction may be lost if it is not reported within the timeframes we specify or describe. Time limitations may not apply in circumstances where the ePayments Code applies. How your Credit Limit and Total Cash Limit operate Your Credit Limit is the maximum amount you can draw down. Your Total Cash Limit is the maximum amount of Cash Advances you can draw. This is usually the same as your Credit Limit, but in some cases may be lower. We may allow you to temporarily exceed your Credit Limit. We’ll take reasonable steps to let you know if you do. Any Overlimit Amount will need to be repaid straight away. The Credit Limit may also be exceeded because of interest and fees or charges. There are some cases where we may reduce your Credit Limit or Total Cash Limit without your permission. For example, where you are in default of this credit contract or where we have good reason to believe that your Credit Limit or Total Cash Limit is more than you can manage without financial difficulty. See section 2 of Part A of this booklet. Instalment Plans We may offer you an Instalment Plan, which is a plan under which a particular balance on your Account is to be repaid in near equal Monthly Instalments over a set term. The Annual Percentage Rate (APR) which applies to an Instalment Plan (other than amounts not paid when due and related interest) is likely to be different to the APR that would otherwise apply to that particular amount and may be zero. Some Instalment Plan offers have a fee that applies to set it up. The payment due each month under an Instalment Plan is included in your Minimum Payment Due on your statement. Warning – having an Instalment Plan means us applying payments in a different order. If you have an Instalment Plan, payments will be applied first to Instalment Plan amounts that are overdue and due in the current Statement Period before being applied to other amounts, which may have a higher APR than an Instalment Plan. As a result, you may be liable to pay an amount or rate of interest that is greater than the amount or rate of interest you would be otherwise liable to pay if payments had been applied to balances with higher rates first.

5 4 If you change your mind and don’t want payments applied in a different order, your Instalment Plan will be cancelled. See section 5 of Part A for more information about how Instalment Plans work, what happens if Extra Payments are made or you end an Instalment Plan Early and what happens if instalment payments are overdue. Contact us if you are experiencing financial difficulty If you are experiencing financial difficulty and think you may not be able to make repayments, we can help. We encourage you to contact us as soon as possible. We will discuss your situation and the options available to help you. The sooner you contact us, the sooner we can try to help. Interest rates, fees and charges and repayments Different interest rates apply depending on the transaction type. Your Financial Table sets out the different rates that apply and section 8 of Part A of this booklet provides more information about how interest is calculated and charged for different transaction types. Your Financial Table sets out the fees that apply and when they are charged. If you don’t meet your repayment obligations, you may be charged a late payment fee. If you have any Overdue Amount or Overlimit Amount you will need to pay these amounts straight away to rectify your Account. If you do not repay any amount when due, we may close or suspend your Account. See section 7 of Part A of this booklet. Changes we may make and how we’ll tell you We may change any of the terms and conditions that apply to your Account, including your Credit Limit, by reducing it, Annual Percentage Rates, fees and charges, the calculation of repayments and other Account features. You can find more information about what changes we can make and when and how we’ll communicate these changes in section 11 of Part A of this booklet. Default If you are in default, we may require you to immediately pay the outstanding balance of your Account plus amounts incurred and not yet charged. You may also be liable for enforcement expenses – see sections 7 and 9 of Part A of this booklet. Other things to keep in mind • Sometimes we may need to close or suspend your Account, cancel or suspend a Card or a Cardholder’s access to Online Servicing or not process a transaction. For example, we may do this to manage risk, or to protect you or us from fraud, scams and other losses or if you or an Additional Cardholder use the Account in an unacceptable way. You can find more information about the circumstances in which we may do this in sections 7 and 16 of Part A of this booklet. You still need to pay us all amounts owing to us under your credit card contract if any of these things happen. • We share information with third parties, credit reporting bodies, our rewards provider and other service providers for the purposes set out in the NAB Privacy Policy at nab.com.au/ common/privacy-policy . We usually collect your personal information directly from you. However, we may need to collect personal information about you from third parties, including the collection of your credit report or other credit eligibility information from credit reporting bodies as set out in the NAB Privacy Policy. Please contact us if you have questions about these terms and conditions or your Account.

7 6 Contents Key things to keep in mind 2 Part A: Credit Card Terms and Conditions 7

Getting started with your contract 7 1A. How we may exercise our rights and discretions 7
Use of Cards and the Account 8
International transactions 14
Payments 15
Instalment Plans, Balance Transfers and Special Promotions 16
Statements and other Communications 24
Default, suspension and closure 25
Interest charges 31
Fees and other charges you must pay 35
Solving problems 36
Changes 38
Security and liability for losses for unauthorised electronic transactions 39
Things we aren’t responsible for 42 13A. Mistaken Internet Payments 44
Conditions for specific Payment Facilities 49
BPAY® 51
General matters 59
Dictionary 62 Part B: Credit Guide 69 Part C: Information Statement 74 Contact us 80 (Some words used in these terms and conditions have defined meanings, and you can find them in the Dictionary – see section 17.) ® Registered to BPAY Pty Ltd ABN 69 079 137 518 Part A: Credit Card Terms and Conditions
Getting started with your contract This Part A: Credit Card Terms and Conditions contains some but not all of the terms of your credit contract and the information we are required to tell you – you can find the rest of your terms in your offer document which includes the Financial Table. You’ll accept our offer and agree to the terms of your credit contract: • when you or an Additional Cardholder uses your Account or uses or activates your Card (this includes us debiting your Account to process a Balance Transfer requested by you); or • by following an acceptance method we may make available after you submit an online application. We’ll let you know if we make this acceptance method available. Rewards programs are covered by a separate related contract between you and us, and under their own separate terms and conditions. If your Card has a direct earn rewards program with a third party rewards points provider, you must join that rewards program to earn benefits. 1A. How we may exercise our rights and discretions When we exercise a right or discretion under this contract (like considering a request you make or deciding whether or not to do something), we’ll do it in a way that is fair and reasonable. We can take a range of things into account when exercising our rights and discretions. These can include: a) our legal obligations, industry codes, payment scheme rules and the expectations of our regulators;

9 8 b) protecting our customers, staff, systems and the personal information we hold; c) whether any information you provided us is misleading, incorrect or incomplete, or you haven’t provided us with information we reasonably need when asked; d) how our products and services are intended to be used (and how you have used them); e) our public statements, including those relating to protecting vulnerable persons, the environment or sustainability; f) community expectations and any adverse impact on our reputation; g) whether we need to take action to protect you or another person from a potential fraud or scam; or h) risk management, including sanctions risk management. If we impose any conditions or requirements to any consent we give, or agree to any request that you make subject to conditions, then you’ll need to comply with those conditions or requirements. Our rights and remedies may be carried out by any person we have authorised, including employees. 2. Use of Cards and the Account Using the Account You can use your Account in the following key ways: Make payments to others • Pay using a Card with retailers in store, online or over the phone. • Arrange for a Balance Transfer (if offered). • Pay bills through BPAY using Online Servicing. • Set up Recurring Card Instructions (this is a regular payment you authorise a merchant to charge to your Card by providing your Card number and details to the merchant). Get cash • Use a Card to withdraw cash at an ATM, any Australia Post Bank@Post TM 1 outlet and over the counter at any bank in the world that displays your Card’s Network symbol (either Visa or Mastercard®). Get information • Get information using the customer service centre or Online Servicing. Subject to these conditions you are responsible for all transactions on your Account, and any losses we incur in connection with them, except to the extent such loss or damage is caused by our fraud, negligence or misconduct. Credit Limit and other limits You can use the Account up to the Credit Limit by drawing any Available Credit. The Total Cash Limit is the maximum amount of Cash Advances you can draw. This is usually the same as your Credit Limit, but in some cases may be lower. We’ll notify you if your Total Cash Limit is lower than your Credit Limit. 1 Bank@Post TM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.

11 10 Daily, weekly and other maximum limits may also apply to Cards or to the Account, either generally, or for particular types of transactions. We may change a limit or impose a new daily, weekly or other maximum limit. We’ll notify you in accordance with section 11 if we make any changes to limits. We may authorise transactions that exceed your Available Credit or Total Cash Limit, but we do not have to. We will take reasonable steps to alert you if we allow your Account to exceed the Credit Limit so that you can rectify the Account. If you exceed your Credit Limit for any reason any Overlimit Amount must be repaid straight away. Your failure to do so may mean that we can exercise our rights that arise under these conditions when you are in default (see section 7 for more information). You are entitled to reduce your Credit Limit to any amount that equals, or exceeds, the minimum Credit Limit for your product. To request a reduction in your Credit Limit you can contact us, including by making a request through Online Servicing. Keep in mind you will first need to pay us any amount that’s owing above the new Credit Limit you have asked for. There are some cases where we might reduce your Credit Limit or Total Cash Limit without your permission, including: • if you’ve defaulted on your credit contract; • where we have good reason to believe that your existing Credit Limit or Total Cash Limit is more than you can manage without financial difficulty; • where your Account is inactive; • to manage a risk, including to prevent potential fraud or scam. Where we reduce your Credit Limit or Total Cash Limit we may not give you notice in advance (or we may give you less than 30 days’ notice), if it is reasonable for us to do so, in order to avoid or reduce material loss to us or to manage a risk. We won’t reduce your Credit Limit to an amount that is less than your outstanding balance. Where we do not give you notice in advance, we will let you know in writing as soon as practicable after doing this (unless you are in default under your credit contract). In other circumstances, we will give you at least 30 days’ notice in writing. Once we have reduced your Credit Limit, we may decline any transactions that would cause your outstanding balance to go above the new limit. You can close your Account if you’re not happy with the reduced Credit Limit or Total Cash Limit. See section 7. Additional Cards You may ask us to issue additional Cards. If we agree, we may give an Additional Cardholder: • an additional Card and a separate PIN, and other Security Codes necessary to use other facilities like the customer service centre and Online Servicing. We may allow some Security Codes (including the PIN) to be selected by the Additional Cardholder; and • access to your Account details and transaction history. An Additional Cardholder can use the Account and Card in any way that you can, except that the Additional Cardholder cannot request or arrange a Balance Transfer, Instalment Plan, change the Credit Limit or other limits, or close the Account. You are liable for any transactions, fees, charges and any other use of the Card or Account, by an Additional Cardholder, except to the extent such transaction or use is caused by our fraud, negligence or misconduct or is made after we have received your notice to cancel the Additional Cardholder’s Card and remove their authority to use your Account. You are responsible for any transactions made by the Additional Cardholder before we receive your notice to cancel their Card, including any that are

13 12 processed and added to your Account after we receive your notice. You must make sure all Additional Cardholders comply with these conditions. Limits on use Cardholders must not, or won’t be able to, transact: • at retailers or ATMs who choose not to accept Cards for that type of transaction; • with a merchant in which the Cardholder has an ownership interest (unless it is publicly listed); • with a Card after it expires, is suspended or cancelled or reported lost or stolen; • for business purposes; • for the purpose of gambling or in connection with unlawful activities; and • to invest in shares or other financial products or for cryptocurrency related transactions. We can block or not process a transaction (including payments made from the Account or credits made by a merchant to the Account) that we reasonably consider to be a gambling transaction, a transaction to invest in shares or financial products or a cryptocurrency transaction (including receipt of investment returns). If we’re unable to block such a transaction – and we allow the transaction to occur – it will be treated as a Cash Advance. This may happen in limited circumstances, including where our systems are down or the merchant terminal is unable to obtain authorisations. We may also limit transactions on the Account for the reasons set out in section 7 under the heading “When we can close or suspend your Account, cancel or suspend a Card or access to Online Servicing, or not process a transaction”. You and Additional Cardholders agree to provide any information that we reasonably request in connection with the Account and any relevant transactions. Some purchases or other transactions may require our approval before they can be completed, or require a Cardholder to enter a Security Code. If we do not approve or process, or we reasonably delay, any transaction we will not be liable to you or any other person for any loss or damage that you or the other person may suffer as a result except for loss arising as a result of our fraud, negligence or misconduct. A Card or Security Code must not be used by anyone except the Cardholder to whom it was allocated (and in the case of a physical Card, the Cardholder whose name and signature is on the Card). Altering or stopping a payment You or an Additional Cardholder can stop or alter payments you or an Additional Cardholder have made or authorised as follows: Payment type Stop or alter? By contacting who before the payment is processed Recurring Card Instructions Stop Only by contacting the merchant. Other (BPAY, Card payments) No These cannot be stopped or altered unless it’s a scheduled BPAY payment which can be cancelled in the customer service centre or Online Servicing up to the day before the scheduled payment date.

15 14 3. International transactions Use outside Australia Making payments, receiving credits from merchants and the use of a Card, Online Servicing or the customer service centre outside Australia is subject to Australian and overseas legal requirements. This means that making payments, receiving credits from merchants and using those facilities outside Australia may not be possible, permitted or may be subject to limits (e.g. a maximum amount). Card transactions Where there is an international transaction, the amount we charge to your Account will always be in Australian dollars – no matter which currency the Cardholder pays in. The exchange rate used to calculate the amount of Australian dollars will depend on the currency the Cardholder decides to pay in. If the Cardholder decides to pay in: The exchange rate will be: Australian dollars the rate used by the merchant to convert the foreign currency amount into Australian dollars. A foreign currency a rate: • selected by the Card scheme from a range of rates available in wholesale currency markets for the applicable processing date; or • mandated by a government or governing body and in effect for the applicable processing date. We also charge fees on international transactions, which are set out in more detail in your Financial Table together with details of the Annual Percentage Rates and other fees and charges applicable to your Account. Conversion differences Because of the various conversion processes and the rates used in them, the Australian dollar amount that we charge you will usually be different to the amount that you may have calculated at the time you initiated the transaction. Similarly, if you receive a refund of a foreign currency transaction, the Australian dollar amount of that refund might differ from the amount of the original transaction. 4. Payments Paying the Account You must pay in Australian dollars the Minimum Payment Due by each Payment Due Date. If there are any Overdue Amounts or Overlimit Amounts they must be paid straight away to rectify your Account. If you have an Overdue Amount and Overlimit Amount owing at the end of the Statement Period, the higher of the two amounts will be included in the Total Minimum Payment Due shown in your statement. Your failure to pay an amount by its due date for payment may mean that we can exercise our rights that arise under these terms and conditions when you are in default (see section 7 for more information). Your statement tells you how to pay us. You must pay all amounts owing under this contract without setting off amounts you believe we owe you (except where you have a right to set off that you cannot legally agree to give up such as, where a court order permits or where you have established that a payment is not due and payable). We credit payments as soon as reasonably practicable and that may be delayed if the payment is not clear funds. If we are not sure which of your Accounts it is intended for we may choose to credit it to any of your Accounts.

17 16 Application of payments Unless an Instalment Plan is set up, we will apply payments firstly to the portion of the Closing Balance of your most recent statement which attracts the highest APR and then to the portion which attracts the next highest APR and so on. Payments are then applied to balances that have not yet appeared on your statement in a similar fashion. If an Instalment Plan is set up, payments will be applied differently. Please see section 5 for more detail. 5. Instalment Plans, Balance Transfers and Special Promotions We may offer an Instalment Plan, Balance Transfer or a Special Promotion on any terms and conditions that we determine which, to the extent required, will operate as a variation to these conditions. Instalment Plans Introduction • Your Instalment Plan is a plan under which a particular balance is paid off in instalments. • You can convert a new transaction or part of your outstanding balance (including a Retail Purchase or Cash Advance) to an Instalment Plan only where we agree to this. • An Instalment Fee may apply for setting up the Instalment Plan. If this fee applies, it is not included in the Main Instalment Plan Balance and amount you repay by the Monthly Instalments under the Instalment Plan. Instead it will be charged to your Account and shown on your statement for the Statement Period in which you set up your Instalment Plan, and the whole fee will form part of the Minimum Payment Due on that statement. • When you apply for, or agree to, the Instalment Plan you will be given the following details in relation to that particular Instalment Plan (and you must agree to these in order to enter into the Instalment Plan): — the Instalment Fee (if any) that will apply to set up an Instalment Plan; — the Annual Percentage Rate (APR) for the Instalment Plan (Instalment Plan APR) (which is likely to be different to the APR that would have applied to the particular amount if it had not been converted to an Instalment Plan, and may be zero); and — the length of the term, which is the number of months in which you pay the Monthly Instalments. • We charge interest on the Instalment Plan from when the Instalment Plan is set up until it is cancelled or repaid in full, and it is generally charged to your Account at the end of each Statement Period. • To the extent and while a transaction of a particular type is converted to an Instalment Plan, it will not be a transaction of that type. For example, if a Retail Purchase is converted to an Instalment Plan, for the purpose of these terms, it will not be a Retail Purchase while the Instalment Plan is in place. How an Instalment Plan usually works • During the Statement Period in which the Instalment Plan is set up, you will be charged an Initial Interest Charge on the Main Instalment Plan Balance calculated from the day the Instalment Plan is set up until the last day of the Statement Period using the Daily Instalment Plan Rate and the Daily Calculation Method. • The Initial Interest Charge will be charged to your Account at the end of the Statement Period and becomes part of the Minimum Payment Due on the statement we send at the end of the Statement Period. • Each statement after that will show the instalment for that Statement Period, which is due in the next Statement Period

19 18 on the Payment Due Date. There will be an instalment for each month of the term (e.g. 24 instalments for a 24-month term) ( Monthly Instalments ): — the Monthly Instalments are calculated so that if each (approximately equal) Monthly Instalment is paid on its Payment Due Date, the Main Instalment Plan Balance and any interest in relation to it will be reduced to zero on payment of the last Monthly Instalment. The last Monthly Instalment is generally slightly different to previous Monthly Instalments; — each Monthly Instalment includes a principal component plus interest charged on the Main Instalment Plan Balance for the Statement Period; and — that interest will be calculated by multiplying the Monthly Average Balance by the Monthly Instalment Plan Rate and charged to your Account at the end of the Statement Period. Instalment Plan – Application of payments Warning – having an Instalment Plan means us applying payments in a different order. By requesting an Instalment Plan, you request and if we set it up, we agree, that payments made in a Statement Period will be applied: a) first to any overdue Monthly Instalment, Initial Interest Charge or Instalment Fee and related interest charged to the Account; b) then to any Monthly Instalment, Initial Interest Charge or Instalment Fee due in that Statement Period; c) then to the balance of your Account, excluding the Main Instalment Plan Balance, in the way described in section 4. However, if an Instalment Plan is cancelled, payments will be applied to the amount that was part of the Main Instalment Plan Balance for that Instalment Plan as if it formed part of the Closing Balance of the statement for the first Statement Period starting on or after the cancellation was processed (and not any earlier statement); and d) then to the Main Instalment Plan Balance. Where there is more than one Instalment Plan we will apply the payments in the order of Instalment Plan APR (the Instalment Plan that attracts the highest APR first, then to the Instalment Plan that attracts the next highest rate and so on) and if more than one has the same Instalment Plan APR, in the order of Instalment Plan creation (the oldest Instalment Plan first, then to the next oldest Instalment Plan and so on). As a result of payments being applied in that way, you may be liable to pay an amount or rate of interest that is greater than the amount or rate of interest you would be otherwise liable to pay if payments had been applied to balances with higher rates first. You may withdraw your request to apply payments in that way at any time. If you withdraw your request, this means that you are also requesting that we cancel your Instalment Plan and your Instalment Plan will be cancelled. What happens if there are Extra Payments, an Instalment Plan is cancelled or payments aren’t made on time? Extra Payments • When an Extra Payment is made in a Statement Period that does not fully reduce the Instalment Plan to zero, future Monthly Instalments payable as part of that plan will be recalculated over the remaining term using the same Instalment Plan APR and remaining Main Instalment Plan Balance. The Monthly Instalments will be recalculated in the way described in the third dot point of the sub - section titled “How an Instalment Plan usually works”.

21 20 If you don’t pay on time • If you fail to pay the Minimum Payment Due by its Payment Due Date, we calculate and charge interest on any Overdue Instalment Amount component from the day after the Payment Due Date at the APR applicable to Retail Purchases. It will be calculated using the Daily Retail Rate and the Daily Calculation Method until it is repaid in full. • Interest on any Overdue Instalment Amount will be charged to your Account at the end of the Statement Period and will form part of the Minimum Payment Due on the statement for that Statement Period. • We may also cancel the Instalment Plan. We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan. Ending an Instalment Plan Early • If an Instalment Plan is cancelled or repaid in full Early, the interest on the Main Instalment Plan Balance in the Statement Period where that happens is calculated using the Daily Instalment Plan Rate and the Daily Calculation Method from the start of the Statement Period up to: — the day before the Instalment Plan is cancelled or repaid, if it is cancelled by you or repaid in full; or — the day the Instalment Plan is cancelled if it is cancelled by us. The interest is charged to your Account at the end of the day on the day the Instalment Plan is cancelled or repaid. That interest will not form part of the Main Instalment Plan Balance, will be treated as a Retail Purchase transaction type and interest on it will be calculated and charged in accordance with section 8 at the APR applicable to Retail Purchases (unless an interest free period applies – see section 8 for information about interest free periods). • If you or we cancel an Instalment Plan, any Main Instalment Plan Balance will revert to the underlying transaction type and the APR and interest calculation that relates to it starting from: — the day the Instalment Plan is cancelled if it is cancelled by you; or — the day after the Instalment Plan is cancelled if it is cancelled by us. For example, if a Cash Advance was converted to an Instalment Plan and that Instalment Plan is cancelled, interest will be calculated at the APR applicable to Cash Advances. If a Retail Purchase was converted to an Instalment Plan and that Instalment Plan is cancelled, interest will be calculated at the APR applicable to Retail Purchases (unless an interest free period applies – see section 8 for information about interest free periods). • If a Retail Purchase that was converted to an Instalment Plan is fully or partially refunded, the Instalment Plan will continue to operate. General • If you are eligible to earn rewards points, any rewards points will be earned prior to conversion to the Instalment Plan. The conversion itself will not earn rewards points unless we tell you otherwise. • For any Instalment Plans, except for section 1A, this section 5 takes precedence over any other terms in the terms and conditions where there is a conflict. • In this section 5: — Daily Calculation Method means calculating interest by multiplying the applicable daily percentage rate by the daily unpaid balance for each relevant amount for each day of the relevant period and then adding those amounts together. — Daily Instalment Plan Rate means the Instalment Plan APR divided by 365.

23 22 — Daily Retail Rate means the APR applicable to Retail Purchases divided by 365. — An Instalment Plan is cancelled or repaid in full Early if this happens in a Statement Period before the one in which the final Monthly Instalment amount would have been due. — Extra Payment means an amount applied to an Instalment Plan during a Statement Period that reduces the Main Instalment Plan Balance. — Initial Interest Charge means the interest charged on the Instalment Plan in the Statement Period when the Instalment Plan is set up. — Instalment Fee means the fee that may apply for setting up an Instalment Plan. — Instalment Plan means a plan under which a particular balance is scheduled to be paid off in a specified number of instalments. — Main Instalment Plan Balance means the remaining principal balance of the Instalment Plan on any day that is not included in a Monthly Instalment that is due or any Overdue Instalment Amount. — Monthly Average Balance means the average balance of the Main Instalment Plan Balance during a Statement Period.

Monthly Instalment means the monthly repayment instalment under an Instalment Plan. — Monthly Instalment Plan Rate means the Instalment Plan APR divided by 12. — Overdue Instalment Amount means any unpaid overdue Monthly Instalments, Initial Interest Charge and Instalment Fee and any related interest. Balance Transfers We may offer you a Balance Transfer as part of your Account application or after your Account is opened. A Balance Transfer is where you move the outstanding balance of an eligible credit card or other eligible credit account that is not another MyCard branded credit facility ( Nominated Account ) to your Account. The terms of a Balance Transfer offer will have further details about eligible credit cards or other eligible credit accounts that may apply to a Balance Transfer offer. If a Balance Transfer Fee applies, you’ll be notified in the offer details. If applicable, the fee is calculated based on the amount transferred. It will be debited to your Account on the day your Balance Transfer is processed and will incur interest at the APR that applies to your Balance Transfer from the day it is debited until the end of the Balance Transfer Term. You will incur interest on the amount of a Balance Transfer and any Balance Transfer Fee and related interest for the Balance Transfer Term, unless the promotional APR for your Balance Transfer is 0% p.a. The interest will be at the rate we offer and you accept for that Balance Transfer. After the Balance Transfer Term, any portion of the Balance Transfer amount that is still owing on your Account (including any Balance Transfer Fee or related interest) will be treated as a Cash Advance transaction type and incur interest at the APR that applies to Cash Advances. If you want to pay off your Balance Transfer before the end of the Balance Transfer Term, you’ll need to pay more than your Minimum Payment Due each month (although it will depend on the Balance Transfer Term and whether any other transactions are made to your Account). We usually process a Balance Transfer request within: • 7 Business Days from the date your application is approved, if a Balance Transfer request is made as part of your Account application.

25 24 • 3 Business Days from the date of your request, if a Balance Transfer request is made after your Account is opened. We may refuse to process your Balance Transfer request, in full or in part, if: • the Balance Transfer amount is more than your Available Credit at the time it is processed; • you provide incorrect details for the Nominated Account; or • your Account or Card has been suspended for one of the reasons set out in section 7. We will notify you of any minimum or maximum amounts that apply to a Balance Transfer in the details of our offer as well as any other conditions that may apply to the Balance Transfer offer that aren’t included in this section. Unless we agree, you will not be eligible to earn reward points on the Balance Transfer amount. We are not responsible for any loss you may suffer because of any delay caused by another financial institution or card issuer in processing your Balance Transfer, unless the delay is caused by our fraud, negligence or misconduct. You need to provide us with the correct details of the Nominated Account. Otherwise, we may not be able to process the Balance Transfer, or it may be paid to the wrong account. Your obligation to make payments to the Nominated Account in accordance with its terms and conditions continue. You should consider whether to close the Nominated Account after a Balance Transfer is processed. If you decide to close the Nominated Account, it’s your responsibility to do so. 6. Statements and other Communications Statements We will generally send or make a statement available to you each month unless the law does not require us to, such as if you have no outstanding balance on your Account and no transactions have been posted to your Account during the Statement Period. You may also request statements, and we will also send one whenever required by any applicable code. You should check all entries on the statement when you receive it. If you think there was an error or possible unauthorised use of your Account you must contact us promptly or you may be liable for the error or any Unauthorised Transactions. If you delay telling us this may impact on our ability to resolve disputes about a transaction. Communications We will give statements, notices and other information (together “ Communications ”) to you by post, electronic means (including email, SMS, or Online Servicing), by publishing a notice on our website or any other manner permitted by law. Sometimes we may include a notice as a message on or with your statement. If we make our Communications available to you via Online Servicing or publishing a notice on our website, we will usually send you an email, SMS or letter (in some cases) to let you know that it’s available. We consider the Communication received when we let you know that the Communication is available. You should check regularly for electronic Communications from us. You need to contact us if your email, mobile phone number or address changes so that you can receive Communications from us. You may contact us at any time to ask for statements and other notices that we are required to give you. 7. Default, suspension and closure Default Your Account will be in default if: • you don’t make the payments required under this credit contract on time; or

27 26 • you or an Additional Cardholder don’t follow the requirements of this credit contract and it has a material impact on our Legitimate Interests; or • any information you give to us in applying for or maintaining your Account is false or misleading and it has a material impact on our Legitimate Interests; or • you become bankrupt or insolvent or have a receiver or bankruptcy trustee appointed over you or any of your assets; or • you transfer your assets to a creditor. Consequences of default We know sometimes circumstances change, and we will try and help you manage this. However, if we can’t agree, we will send you a notice asking you to fix the default, unless we are not required to do so by consumer credit law (for example, if we have made reasonable attempts to find you, but have not been able to). Where we give you notice, we will specify a period for you to fix the default. This period will be at least 31 days from the date of the notice. The notice will specify how you may fix the default. You should read the notice carefully and follow the instructions in the notice. If you are in default and: • you do not fix the default within the period specified in the notice; or • consumer credit law does not require us to wait until that period has expired; or • we do not have to give you notice, we may take some or all of the following actions: • require you to immediately pay all or part of the outstanding balance of your Account (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account) and destroy any Card(s); • take legal action to recover any Overdue Amount. Enforcement expenses reasonably incurred or expended by us to enforce this credit contract may become payable under the contract in the event of a breach. An event of breach occurs if you are in default. This includes any expenses reasonably incurred through our staff and facilities. We can charge these amounts to your Account and the Annual Percentage Rate that will apply to calculate interest on them and related interest is that applicable to Retail Purchases. When you can cancel a Card, close your Account and terminate your credit contract You may close your Account or cancel a Card by contacting us. If you wish to close your Account and terminate your credit contact you are required to: • pay the outstanding balance of your Account after the last transaction you or an Additional Cardholder authorised is charged to your Account plus all interest, fees, charges and expenses (including those you have incurred but which are not yet charged to your Account); and • cancel all Recurring Card Instructions with merchants or provide them with new account details. We assume no responsibility for return fees and charges. We will tell you if there is anything else you need to do for us to complete your request. You remain responsible for all amounts withdrawn from your Account. When we can close or suspend your Account, cancel or suspend a Card or access to Online Servicing, or not process a transaction We may close your Account, cancel or suspend your Card or an Additional Cardholder’s Card by giving you 30 days’ prior notice for any reason, where it is reasonably necessary to protect our Legitimate Interests (for example, if your Account is inactive).

29 28 We may also close or suspend your Account, cancel or suspend a Card or a Cardholder’s access to Online Servicing, or not process a transaction (including a merchant credit) at any time without notice: • if you are in default under your credit contract; • to protect you, or us from potentially fraudulent activity or a scam, or other losses; • to prevent an anticipated breach of the law of Australia or another country; • to manage any risk, including legal, regulatory or sanctions risk, or to comply with our Sanctions Program which you can view on our website; • if we reasonably consider it appropriate to protect a customer or another person from financial abuse (see our unacceptable Account conduct policy in section 16); • if your Account has remained in credit balance for a reasonable period; • if we do not have all the identification information we need, or we have not received a satisfactory response in a timely manner to information we have reasonably requested from you or an Additional Cardholder in connection with the Account and any relevant transactions; • if we reasonably believe that by allowing the Account to remain open it may adversely impact on our reputation; • if we reasonably believe that by allowing the Account, a Card or access to Online Servicing to remain open or available, it may cause you or us loss, or to breach any law or code of conduct or any terms of this credit contract; or • if a Card, Security Code, Identifier or a process intended to prevent Unauthorised Transactions has been compromised and where we believe taking such action is reasonably required to manage any risk. It may not be possible for us to detect and prevent all fraudulent or scam transactions or transactions that may result in a breach of the laws of Australia or another country. We’ll let you know as soon as practicable after we take action under this section if it is reasonable to do so. We will not be responsible for any loss or damage that you may suffer, unless we’ve acted with fraud, negligence or misconduct. Consequences of closing or suspending an Account, cancelling or suspending a Card or access to Online Servicing If you request closure of your Account or if we close or suspend your Account, or cancel or suspend a Card, then we will take reasonable steps to promptly stop future transactions on the Account or through the cancelled or suspended Card (including cancelling all Cards in the case of Account closure). Please note that there might be circumstances where Recurring Card Instructions are unable to be rejected. Also, if a Card is suspended temporarily (for example, if we suspect there are fraudulent transactions or if you or an Additional Cardholder ask us to temporarily suspend a Card), transactions made by you or an Additional Cardholder using Online Servicing such as a BPAY payment will be accepted. Any transactions made before an Account is closed or suspended or made using a Card before it is cancelled or suspended will still be charged to your Account even if it’s processed and added to your Account after. If we cancel or suspend a Cardholder’s access to Online Servicing, the Cardholder won’t be able to log in. We may suspend your Account, a Card or a Cardholder’s access to Online Servicing or not process a transaction for as long as reasonably required to protect our Legitimate Interests or to manage any risk.

31 30 If your Account: • has a credit balance and your Account has been closed (either by us or you), we will return the Account balance to you (unless we reasonably believe we are unable to because of our regulatory or other legal obligations, for example to comply with a court order) or where the relevant statutory requirements have been met, we may transfer the balance to the Commonwealth Government as unclaimed money; or • has a debit balance and has been closed, unless we tell you otherwise, you must continue to pay us amounts due until you pay the full outstanding balance, including any further transactions that you are liable for. Interest, fees, charges and expenses will accrue until that time. Closure, cancellation or suspension of your Account or any Card does not affect any obligations that arose before or after the closure, cancellation or suspension. Your credit contract will continue after your Account is closed either by you or us until you pay us the outstanding balance (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account) in full. Closure, cancellation or suspension of your Account or any Card does not affect any obligations that arose before or after the closure, cancellation or suspension. Your credit contract will continue after your Account is closed either by you or us until you pay us the outstanding balance (plus any applicable interest, fees and charges which you have incurred but which are not yet charged to your Account) in full. 8. Interest charges This section describes when and how we calculate and charge interest on your Account except for how we calculate and charge interest on Instalment Plans. See section 5 for details about interest on Instalment Plans. How interest works with different transaction types When an amount is charged to your Account, it’s the same as us lending you that amount. And like a loan, we will charge your Account with interest, unless the amount is a part of the Retail Purchase Balance and an interest free period applies. How you incur interest on each transaction depends on the type of transaction. The interest rate or Annual Percentage Rate for Cash Advances, for example, is typically higher than the Annual Percentage Rate for Retail Purchases. While you incur interest differently depending on the type of transaction, we will charge that interest to your Account (by adding it to your outstanding balance) on the last day of each Statement Period. Types of transaction When interest is incurred When interest is charged Retail Purchase Never If you’re in an interest free period (if your Account is eligible) Daily If you’re not in an interest free period At the end of the Statement Period Cash Advance Daily At the end of the Statement Period

33 32 Types of transaction When interest is incurred When interest is charged Balance Transfer Daily Except that, if the promotional interest rate for your Balance Transfer is 0% p.a., you’ll incur no interest for any day during the Balance Transfer Term At the end of the Statement Period How interest is calculated Interest is incurred daily on any outstanding balances for each transaction type (at the end of each day), in the way described below. Daily interest rate (Annual Percentage Rate / 365) x outstanding balance (for each transaction type) = Daily Incurred Interest (for each transaction type). Calculating the daily interest rate To calculate the daily interest rate for each transaction type, we take the applicable Annual Percentage Rate and divide it by 365. The applicable Annual Percentage Rate depends on the type of transaction, whether an interest free period applies, and any special promotional rates that may be available to you. You can find information about the current Annual Percentage Rates for particular transaction types on request by contacting us in one of the ways set out at the end of this booklet. Your Financial Table will also set out the Annual Percentage Rates that apply as at the date specified in your Financial Table. Working out the amount of interest incurred each day The amount of interest you incur daily is worked out by multiplying the applicable daily interest rate by any outstanding balance you have for each transaction type at the end of the day. Interest is incurred on the amount of a transaction from the Transaction Date, until the date it is paid off in full. You don’t incur interest for a transaction on the day it is paid off in full. How interest is added up The following table shows an example of how interest is incurred on Retail Purchases from the start of a Statement Period that doesn’t have an interest free period (more on this later in this section). Retail Purchases are made on day 1, day 3 and day 30. In this example, the Statement Period is 30 days and the daily interest rate on Retail Purchases is: 22.49% per annum / 365 = 0.0616%. The APR used is an example rate only and may not be reflective of the APR on your Account. Retail Pur- chases Outstand- ing balance Daily interest rate Daily interest incurred State- ment opening balance $20 Day 1 $180 $200 0.0616% $0.12 Day 2 $0 $200 0.0616% $0.12 Day 3 $100 $300 0.0616% $0.18 Day 4-29 $0 $300 0.0616% $0.18 every day Day 30 $70 $370 0.0616% $0.23 Total interest charged Equal to the sum of all daily interest from Day 1 to 30 (rounded to the nearest cent) $5.33

35 34 When interest is charged to your Account We charge interest incurred during a Statement Period to your Account at the end of the Statement Period. This includes interest for the last day of the Statement Period. When we charge interest, we round it to the nearest cent. How interest free periods work Your Financial Table will specify whether your Account is eligible for an interest free period on the Retail Purchase Balance. If you’re eligible for an interest free period, you won’t incur interest on any transactions that form part of the Retail Purchase Balance for any day in an interest free period. You start an interest free period on the day you accept the offer of an Account. In order to continue this and any other interest free period, you must pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. If you pay less than your Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or Instalment Plan) shown on your statement by the Payment Due Date, your interest free period will end. You will incur interest on transactions that form part of the Retail Purchase Balance from the day after the Payment Due Date. How to start a new interest free period If your Account is eligible to have an interest free period and you’re not currently in an interest free period, there are two ways you can start a new one: • Begin your Statement Period with either a zero balance or a credit balance on your Account. • Pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. If you use this method, the interest free period will begin on the day you make this payment. However, you will see interest charged on outstanding amounts that form part of the Retail Purchase Balance on your next statement for the time before you made the payment. How interest, fees and charges added to your Account incur interest When we add interest, fees or charges to your Account, your outstanding balance will increase and the interest, fee or charge will be treated as a transaction on your Account. For this purpose, where the interest, fee or charge relates to a Balance Transfer or a Cash Advance, it will be treated as the same kind of transaction. Where the interest, fee or charge relates to an Instalment Plan, see section 5 to see how it will be treated. Any other interest, fee or charge is treated as a Retail Purchase transaction. For example, a fee for withdrawing money from an ATM is treated like a Cash Advance, and interest on a Card transaction used to buy a pair of shoes is treated like a Retail Purchase. This means that, from the date the interest, fees or charges are added to your Account, you will incur and be charged interest on these amounts in the same way as for the relevant transaction type unless an interest free period applies. 9. Fees and other charges you must pay Subject to any law that limits our right to do so, we will charge your Account with: • fees and charges applicable to your Account; • government taxes, duties or charges that relate to your Account or its operation; • any amount (or the Australian dollar equivalent) that any other person charges in connection with your use of the Account, such as ATM access fees; and

37 36 • any expenses we reasonably incur enforcing these conditions against you. Information on current fees and charges is available on request by contacting us in one of the ways set out at the end of this booklet. 10. Solving problems Refunds and payment reversals On occasion, you may receive a refund (such as a credit) into your Account from us or a merchant. For example, this could be for goods or services you’ve purchased and then returned, or where you have successfully disputed a transaction. There may also be situations where we need to refund a fee or charge or interest to you, for example where an error or adjustment has been made. How we apply a refund is different to how we apply payments. When you get a refund, we’ll apply it to your Account to reduce your outstanding balance. A refund is not treated as a payment by you. This means you must still pay us the Total Minimum Payment Due by the due date(s), regardless of the value of any refund on your Account. The only exception to this is where the refund brings the outstanding balance on the day a payment is due to an amount that is lower than the payment that is due on that day. If this occurs, you must pay us the outstanding balance on the relevant due date. If you pay more than the outstanding balance on the relevant due date, your Account will have a credit balance. If your refund is equal to, or more than, your outstanding balance, we’ll apply it to your Account in full, so that you’ll have a zero or credit balance. If you have a credit balance, it will be applied to any amount subsequently charged to your Account. We won’t pay you interest on any credit balance. If your refund is less than your outstanding balance, the refund will be applied to the unpaid balance of the original transaction type (for example, if it is a Retail Purchase, the refund will be applied to the unpaid Retail Purchase Balance). If there is any refund amount remaining, it will be applied based on the order of dates on which the balance for a transaction type was set up, with it being applied to the earliest first. However, if you have an Instalment Plan, it will be applied to the Main Instalment Plan Balance last. If a payment is reversed (for example, where you make a payment by direct debit and we don’t receive value for the direct debit), we will reverse your payment amount. In that case, the amount of the reversal will be treated as the same transaction types to which the payment was originally applied, except if a payment to an Instalment Plan is reversed, in which case the amount of the reversal will be treated as a Retail Purchase. Error/dispute resolution A complaint can be lodged by contacting us in one of the ways set out in Part B of this booklet under the sub-section titled “What you should do if you have a complaint?” We will investigate the complaint and try to resolve it quickly and fairly. If you are not satisfied with the result of the complaint, you can escalate your complaint to our Customer Resolutions team or you can raise your complaint with the Australian Financial Complaints Authority (AFCA) at: GPO Box 3, Melbourne VIC 3001 Telephone: 1800 931 678 (free call) Email: info@afca.org.au Website: afca.org.au See Part B of this booklet for more information about our complaints process and how to lodge a complaint.

39 38 Transaction disputes and Chargebacks If you have a transaction dispute (for example, if you have a problem with goods or services, if you believe you were charged the incorrect amount for a transaction or you were charged for an item you didn’t receive) and the relevant transaction was processed through a Network you may have rights under the applicable Network rules to Chargeback the transaction. We will pursue the Chargeback on your behalf if a right to do so exists and the result will be governed by the Network’s Chargeback rules. It’s important that you tell us about the dispute as soon as possible, as there are time limits on our ability to process a Chargeback on your behalf. Please note that if you or an Additional Cardholder uses your Account to make a BPAY payment, you cannot claim a Chargeback. BPAY only allows refunds of mistaken, unauthorised or fraudulent payments. Except as otherwise set out by law, for example the National Consumer Credit Code or the Australian Consumer Law, we are not otherwise responsible for any disputes between you and a merchant. 11. Changes We may change the terms and conditions applicable to your Account, including changing any condition, APR and fees and charges. We may tell you about a change by writing to you at your last known address (including electronically), by message on or with your statement, by advertisement in a newspaper, through our website or in other ways allowed by applicable laws or industry codes. We may notify you of changes to APRs or the amount of a fee or charge by publishing a notice electronically (e.g. on our website or through Online Servicing), without letting you know by SMS or email. We’ll follow any regulatory rules in place when we do this. Generally, the following notice periods apply: As soon as reasonably possible, which may be after the change is made Reducing your obligations (e.g. fees) or extending the time for payment Reducing your Credit Limit or Total Cash Limit At least same day notice Increasing an APR No notice if the government publishes the change Changes to government fees or charges on receipts or withdrawals At least 30 days Any other change we make other than those changes that we expressly agree with you We will comply with any notice requirements in any applicable laws and codes (such as the Banking Code of Practice and ePayments Code). 12. Security and liability for losses for unauthorised electronic transactions Reliance on your instructions We are entitled to presume (unless contrary to the ePayments Code or these conditions), that the Cardholder has given any instructions identified by the Cardholder’s Identifier (including Card number) and Security Code, and that they are valid and binding on you. You must take care of PINs and other Security Codes Security Codes allow access to your Account and in some cases Cardholders may be able to select or change them within limits we set. The security of Card(s) and Security Code(s) is very important. If Cardholders fail to observe these security requirements you may incur liability for any Unauthorised Transaction.

41 40 Cardholders MUST: • sign the strip on the reverse side of the Card immediately upon receiving it; • keep their Security Code(s) secret; • not let anyone else use their Card and/or Security Code or Identifier and Security Code; • use care to prevent anyone else seeing their Security Code (including when using an ATM or EFTPOS terminal) or overhearing their Security Code; • take reasonable steps to protect a Card or Security Code from loss or theft; and • immediately destroy any expired or cancelled physical Card by cutting it diagonally in half. Cardholders MUST NOT choose a Security Code which is clearly identifiable with you (e.g. birth date or phone number or an alphabetical Security Code that is a recognisable part of their name) or which has an easily retrievable combination (e.g. 1234, BBBB). Cardholder responsibilities when adding a Card to a payment device If a Cardholder adds their Card to a payment device (like a mobile phone, wearable or tablet), it’s also important to make sure no one else can access the payment device, because they might be able to use a Card and transact on your Account. You need to notify us of security breaches (including Unauthorised Transactions) You should immediately notify us (and you must provide all required information) where any of the following security breaches has or is suspected to have occurred: • a Card or Security Code is lost, stolen or disclosed to someone else; or • your Card, Identifier or Security Code has been used to effect an Unauthorised Transaction or has otherwise been misused. We will then cancel the relevant Card and/or Security Code (where possible) and may cancel the Identifier. After cancellation, they must not be used again even if they are subsequently retrieved. When are you liable for electronic Unauthorised Transactions? We apply the ePayments Code to determine when you are liable for losses from an Unauthorised Transaction that is authorised without a physical signature. Some examples of where you are liable, not liable, and partially liable are set out below (the ePayments Code sets out more details). YOU ARE NOT LIABLE for losses from an Unauthorised Transaction: • using Cards, Identifiers or Security Codes that are forged, faulty, expired or cancelled or a Card or Security Code before the Cardholder received it; • occurring after the underlying security breach was notified to us; • that are caused by the same transaction being incorrectly debited more than once to your Account as a result of a system error; • where it is clear no Cardholder contributed to it (e.g. if it was caused by misconduct by us or others involved in the relevant networking arrangements); or • that exceeds the Credit Limit or any applicable transaction limit. This section does not apply to any transaction carried out by you or an Additional Cardholder or by anyone performing a transaction with your or an Additional Cardholder’s knowledge and/or consent and/or authorisation (as applicable). YOU ARE LIABLE for losses occurring up to notification of the security breach if a Cardholder has contributed to a loss by: • compromising secrecy of a Security Code (e.g. by voluntarily disclosing it, or indicating

43 42 it on the Card or on anything carried or kept with the Card or an Identifier) unless the Cardholder makes a reasonable attempt to protect the security of the Security Code; or • unreasonably delaying notification of a security breach. YOU ARE PARTIALLY LIABLE where a Security Code is required to perform the Unauthorised Transaction and it is unclear whether a Cardholder has contributed to a loss. In this case for the period commencing from the time the Card, Identifier or Security Code was misused, lost or stolen, until the time a Cardholder notifies us, you could be liable for the lesser of AU$150, the actual amount lost, or the Available Credit in the Account at the time of the Unauthorised Transaction. 13. Things we aren’t responsible for We usually aren’t liable in these circumstances Unless these conditions or the law says otherwise, we will not be responsible to you for any loss incurred by you in any of the following situations: • any problems with goods or services provided (or not provided) by a retailer/ merchant. However, we may be able to access a Chargeback in the event of issues (see section 10); • where we cancel, suspend or close the Account, a Card or access to Online Servicing (see section 7), or otherwise decide not to provide further credit, or refuse to authorise or make a payment or payments (or any other transaction) in accordance with these conditions; • Online Servicing or the customer service centre are not available from overseas or at a particular time. These services are intended to be reasonably available, but will not be available 24/7, including where there are outages (e.g. power or systems) and where we require this (e.g. because of security or maintenance, or where we are not allowed to process a transaction); • you have not provided us with complete and correct payment information; or • circumstances beyond our reasonable control prevent or result in errors or delays to a funds transfer or payment. Some circumstances where we are liable Regardless of the above, we have minimum requirements imposed on us by the ePayments Code and laws like the Competition and Consumer Act 2010 (Cth). For example, these may imply warranties into a contract to protect you, such as a promise that the services are fit for their intended purposes. These laws may allow us to exclude liability if you acquire services as part of a business. To the extent permitted by law, we exclude liability under implied statutory conditions and warranties, or limit our liability under such warranties and conditions to supplying the services again or paying the cost of that resupply. In addition, we are liable for your loss if any electronic terminal (such as ATM and EFTPOS terminal) or the relevant electronic Network does not complete a transaction that it accepts in accordance with your instructions. Our liability is limited to the correction of errors and refunding charges or fees imposed if the Cardholder should have reasonably been aware that the relevant electronic terminal or Network was unavailable or malfunctioning. If the customer service centre should ever be temporarily unavailable, we will reimburse any loss arising between the time you or an Additional Cardholder (as applicable) attempted notification of a Notifiable Event and the actual time of notification, provided you or an Additional Cardholder subsequently gave such notice at the first reasonable opportunity.

45 44 13A. Mistaken Internet Payments This section applies to Mistaken Internet Payments, which is a payment made by a Cardholder through pay anyone functionality where funds are paid into the account of an unintended recipient because the Cardholder entered or selected a BSB number and/or account number, or PayID (if available) that belonged to the wrong person because of: • the Cardholder’s error; or • the Cardholder being advised of the wrong details. It sets out important rules where the Sending ADI (the ADI whose customer has made an internet payment) and the Receiving ADI (the ADI whose customer received an internet payment) have subscribed to the ePayments Code and: • a Cardholder reports a Mistaken Internet Payment to us as the Sending ADI; or • we, as the Receiving ADI, are notified by a Sending ADI that funds have been credited to your Account as the result of a Mistaken Internet Payment by its customer. This section does not apply to BPAY payments. Cardholder’s obligation A Cardholder: a) must take care to enter or select the correct information about the intended recipient of the funds, required when using pay anyone to make a payment. It is not always possible for us to recover funds from the unintended recipient; b) should report a Mistaken Internet Payment to us as soon as possible by contacting us using one of the contact methods in the “Contact us” section at the end of this booklet. We will acknowledge receipt of the report and the Cardholder should record or retain this acknowledgement. Our obligations as a Sending ADI when we receive the Cardholder’s report a) Obligation to investigate. We will investigate a Cardholder’s report of a Mistaken Internet Payment. b) Obligation to tell the Cardholder about the outcome. We will tell the Cardholder about the outcome of a Cardholder’s report of a Mistaken Internet Payment: i) in writing, and ii) within 30 Business Days of the day the report was made. When a Cardholder makes a report, we as the Sending ADI and the Receiving ADI need to be satisfied that a Mistaken Internet Payment has occurred. If we are not satisfied a Mistaken Internet Payment has occurred, we are not required to take any further action. We will tell you in writing within 30 Business Days from the time the Cardholder reported the Mistaken Internet Payment. If we are satisfied that a Mistaken Internet Payment has occurred, we will send the Receiving ADI a request for return of the funds as soon as reasonably possible and by no later than 5 Business Days from the time the Cardholder reported the Mistaken Internet Payment to us. We are reliant on the Receiving ADI following its obligation to acknowledge our request and advise us within 5 Business Days if there are sufficient funds in their customer’s account to cover the amount of the Mistaken Internet Payment. If the Receiving ADI receives a request from us to return funds to us, but is not satisfied that a Mistaken Internet Payment has occurred, the Receiving ADI may seek their customer’s consent to return the funds to you. If consent is provided to the Receiving ADI, we will return these funds to you as soon as practicable.

47 46 Process where both the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred and there are insufficient funds This process applies where the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred. If we are advised there are insufficient funds in the customer’s account, we are reliant on the Receiving ADI using its discretion (which is guided by a number of factors in the ePayments Code) in deciding whether to pursue all or part of the funds from their customer. If the Receiving ADI decides to pursue the return of all the funds, it has an obligation to use reasonable endeavours to retrieve the funds from their customer (e.g. facilitating payment by instalments). If the Receiving ADI is unable to recover the funds from the unintended recipient, you will be liable for losses arising from the Mistaken Internet Payment. Where the Sending ADI and the Receiving ADI are satisfied a Mistaken Internet Payment has occurred and there are sufficient funds This table describes our obligations as a Sending ADI and the obligations of the Receiving ADI if satisfied that a Mistaken Internet Payment has occurred and there are sufficient credit funds available in the account of the unintended recipient to cover the payment. A different process applies depending on when the Cardholder reported the Mistaken Internet Payment to us. User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you Within 10 Business Days of making the payment Funds must be returned to us within 5 Business Days (if practicable) of receiving our request to return the funds or such longer period as is necessary up to a maximum of 10 Business Days. To return the funds to you as soon as practicable. Between 10 Business Days and 7 months of making the payment Complete investigation within 10 Business Days of receiving our request to return the funds. If satisfied a Mistaken Internet Payment has occurred: i) prevent their customer withdrawing the Mistaken Internet Payment funds for a further 10 Business Days; To return the funds to you as soon as practicable.

49 48 User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you ii) notify their customer that they have a period of 10 Business Days to establish they are entitled to the funds. This period commences on the date their customer was prevented from withdrawing the funds; and iii) return funds to us within 2 Business Days of the end of the 10 day period described in ii) if their customer has not established they are entitled to the funds. User reports the Mistaken Internet Payment to us Obligation of Receiving ADI after receiving our request to return funds Our obligation to pay you After 7 months Seek the consent of their customer to return the funds, and if received to return the funds to us. To return the funds to you as soon as practicable. Complaints For information about making a complaint about the outcome of a Mistaken Internet Payment report or how we have dealt with it, please see Part B. Our obligations if we are notified about a Mistaken Internet Payment by another ADI If we are notified by a Sending ADI that funds have been credited to your Account as the result of a Mistaken Internet Payment by its customer, we will act in accordance with the obligations of the Receiving ADI described in the ePayments Code and this section 13A including the obligations to return funds in your Account to the Sending ADI where applicable. 14. Conditions for specific Payment Facilities Recurring Card Instructions When a Cardholder gives a merchant a Recurring Card Instruction to debit amounts to a Card, you authorise us to pay any such amounts and charge them to your Account. If a Cardholder has set up Recurring Card Instructions: • the Cardholder needs to contact the merchant to cancel or change them – we usually cannot do this;

51 50 • if a Card is re-issued with a new Card number or expiry date, the Cardholder must contact the merchant to cancel or change the details of each Recurring Card Instruction. We may choose to cancel the Recurring Card Instruction or (unless the Cardholder tells us not to) provide the Cardholder’s replacement Card details to update it. Our capacity to provide the replacement Card details depends on the functionality of our and the merchant’s systems to do this. If the merchant participates in an account updater service, they may be given updated Card details when a Card is re-issued. You should check with the merchant to confirm if they participate. You may request to opt-out of the automatic update of Card details by contacting us. You should tell us if unauthorised Recurring Card Instructions are charged to the Account. Scheduled BPAY payments We use reasonable endeavours to debit your Account on the days nominated by a Cardholder for scheduled BPAY payments, even if the day nominated is not a Business Day but may not always do so. A scheduled BPAY payment is usually received within one Business Day of the payment date. If the day on which your Account is debited is not a Business Day, or if we or another payment system participant cannot process a payment on that day, the payment will usually be received within two Business Days. If a Card is re-issued with a new Card number or expiry date, or reported lost or stolen, any scheduled BPAY payments will still be charged to the Account on the day(s) nominated by the Cardholder. If your Account is closed or suspended, or if BPAY payments are suspended, then any scheduled BPAY payments that have been scheduled to occur will not be processed by us. Online Servicing To access Online Servicing, you and Additional Cardholders will: • be given or can select Security Codes to enable the use of Online Servicing; • also need to enter the Identifier/Card number and any other codes we require. 15. BPAY® Application We are a member of the BPAY Scheme which is an electronic payments scheme through which you and Additional Cardholders can ask us using Online Servicing to make payments on your behalf to Billers who accept BPAY payments. We will notify you if we cease to be a member of the BPAY Scheme. How to use the BPAY scheme You and any Additional Cardholder must comply with these conditions to the extent that these conditions are not inconsistent with or expressly overridden by the BPAY terms. The BPAY terms set out below are in addition to those terms. If there is any inconsistency between these conditions and the BPAY terms in this section 15, the BPAY terms will apply to the extent of that inconsistency. When a Card is used to pay a bill through the BPAY Scheme, we treat that payment as a Retail Purchase. The receipt by a Biller of a mistaken or erroneous payment does not or will not constitute under any circumstances part or whole satisfaction of any underlying debt owed between the payer and that Biller. Valid payment direction We will treat your or any Additional Cardholder’s instruction to make a BPAY payment as valid if, when the instruction is given to us, you or that

53 52 Additional Cardholder (as the case may be) correctly use any Identifier and Security Code required to access and make payments using Online Servicing. Information you must give us The information you or any Additional Cardholder must give us to instruct us to make a BPAY payment is: • the “Biller Code” written on the bill near the BPAY Logo, and the customer reference number; • the Card from which you or the Additional Cardholder wishes to make the payment; • the amount of the payment you or the Additional Cardholder wishes to make; and • the date the payment is to be made, if you or an Additional Cardholder schedule a payment to be made on a future date using Online Servicing. We are not obliged to effect a BPAY payment if we are not given all of the above information or if any of the information given to us is inaccurate. Payments We will not accept an order to stop a BPAY payment once you have instructed us to make that BPAY payment. You or an Additional Cardholder should notify us straight away if you become aware that you may have made a mistake (except when you make an underpayment) when instructing us to make a BPAY payment, or if you did not authorise a BPAY payment that has been made from your Account. Sub-sections titled “Mistaken payments, Unauthorised Transactions and fraud”, “Mistaken payments” and “Unauthorised payments” describe when and how we will arrange for such a BPAY payment (other than in relation to an underpayment) to be refunded to you. Subject to the sub-section titled “Payment queries”, Billers who participate in the BPAY Scheme have agreed that a BPAY payment you or an Additional Cardholder make will be treated as received by the Biller to whom it is directed: • on the date you make that BPAY payment, if you or an Additional Cardholder tell us to make the BPAY payment before 6pm (Melbourne time) on a Business Day; • on the next Business Day, if you or an Additional Cardholder tell us to make a BPAY payment after 6pm (Melbourne time) on a Business Day, or on a non-Business Day; or • if available on the day you or an Additional Cardholder have nominated for a scheduled payment to take place or where this day is not a Business Day on the next Business Day. Delay may occur in processing a BPAY payment where: • there is a public or bank holiday on the day after you or an Additional Cardholder tell us to make a BPAY payment; • you or an Additional Cardholder tell us to make a BPAY payment either on a day which is not a Business Day or after 6pm (Melbourne time) on a Business Day; • another financial institution participating in the BPAY Scheme does not comply with its obligations under the BPAY Scheme; or • a Biller fails to comply with its obligations under the BPAY Scheme. While it is expected that any delay in processing under this agreement for any reason set out above will not continue for more than one Business Day, any such delay may continue for a longer period. You and any Additional Cardholder must be careful to ensure that you tell us the correct amount you or an Additional Cardholder wish to pay. If you or an Additional Cardholder instruct us to make a BPAY payment and later discover that the amount you or an Additional Cardholder told us to pay was less than the amount needed to pay, another

55 54 BPAY payment can be made for the difference between the amount actually paid to a Biller and the amount needed to pay. If you or an Additional Cardholder discover that the amount you or an Additional Cardholder instructed us to pay was more than the amount due to the Biller, you must contact the Biller to negotiate any refund. Liability and ePayments Code If you are liable for an unauthorised or fraudulent payment and the ePayments Code applies, then your liability is limited to the lesser of:

the amount of that unauthorised or fraudulent payment; and
the limit (if any) of your liability set out in these conditions. If point 2. applies, we will be liable to you for the difference between the amount for which you are liable and the amount of the unauthorised or fraudulent payment. Mistaken payments, Unauthorised Transactions and fraud We will attempt to make sure that your or an Additional Cardholder’s BPAY payments are processed promptly by the participants in the BPAY Scheme, including those Billers to whom the BPAY payments are to be made. You or any Additional Cardholder must promptly tell us if: • you or an Additional Cardholder become aware of any delays or mistakes in processing your BPAY payments; • if you or an Additional Cardholder did not authorise a BPAY payment that has been made from your Account; or • if you or an Additional Cardholder think that you have been fraudulently induced to make a BPAY payment. We will attempt to rectify any such matters in relation to your or an Additional Cardholder’s BPAY payments in the way described in this sub‑section. However, except as set out in the sub-section titled “Liability and ePayments Code”, section 1A and section 13 and to the extent that a transaction was permitted by you or an Additional Cardholder, we will not be liable for any loss or damage you suffer as a result of using the BPAY Scheme. The longer the delay between when you or an Additional Cardholder tell us of the error and the date of your BPAY payment, the more difficult it may be to perform the error correction. For example, we or the Biller may not have sufficient records or information available to us to investigate the error. If this is the case, you may need to demonstrate that an error has occurred, based on your own records, or liaise directly with the Biller to correct the error. Mistaken payments If a BPAY payment is made to a person or for an amount which is not in accordance with your or any Additional Cardholder’s instructions (if any), and your Account was debited for the amount of that payment, we will credit that amount to your Account. However, if you or an Additional Cardholder were responsible for a mistake resulting in that payment, and we cannot recover the amount of that payment from the person who received it within 20 Business Days of us attempting to do so, you must pay us that amount. Unauthorised payments If a BPAY payment is made in accordance with a payment direction, which appeared to us to be from you or an Additional Cardholder (or on your or their behalf) but for which you or the Additional Cardholder did not give authority, we will credit your Account with the amount of that unauthorised payment where we agree that you or that Additional Cardholder did not give your

57 56 or their authority. However, you must pay us the amount of that unauthorised payment if: • we cannot recover, within 20 Business Days of us attempting to do so, that amount from the person who received it; and • the payment was made as a result of a payment direction which did not comply with our prescribed security procedures for such payment directions as set out in these terms and conditions or as advised by us to you. If we are able to recover part of the amount of that payment from the person who received it, you must only pay us the amount of payment that was not able to be recovered. Fraudulent payments If a BPAY payment is induced by the fraud of a person involved in the BPAY Scheme, then that person should refund you the amount of the fraud-induced payment. However, if that person does not refund you the amount of the fraud induced payment, you must bear the loss unless some other person involved in the BPAY Scheme knew of the fraud or would have detected it with reasonable diligence, in which case that person must refund you the amount of the fraud-induced payment that is not refunded to you by the person that induced the fraud. Resolution principles If a BPAY payment you or any Additional Cardholder have made falls within the type described in the sub-section titled “Unauthorised payments” and also the sub-section titled “Mistaken payments” or the sub-section titled “Fraudulent payments”, then we will apply the principles stated in the sub-section titled “Unauthorised payments”. If a BPAY payment you or any Additional Cardholder have made falls within both the types described in sub-sections titled “Mistaken payments” and “Fraudulent payments”, then we will apply the principles stated in the sub-section titled “Fraudulent payments”. No “Chargebacks” Except where a BPAY payment is a mistaken payment referred to in the sub-section titled “Mistaken payments”, an unauthorised payment referred to in the sub-section titled “Unauthorised payments”, or a fraudulent payment referred to in the sub-section titled “Fraudulent payments”, BPAY payments are irrevocable. No refunds will be provided through the BPAY Scheme where you have a dispute with the Biller about any goods or services you may have agreed to acquire from the Biller. Any dispute must be resolved with the Biller. Important Even where your or an Additional Cardholder’s BPAY payment has been made using a credit card account or a charge card account, no “Chargeback” rights will be available under BPAY Scheme rules. Biller consent If you or an Additional Cardholder tell us that a BPAY payment made from your Account is unauthorised, you must first give us your written consent addressed to the Biller who received that BPAY payment, consenting to us obtaining from the Biller information about your account with that Biller or the BPAY payment, including your customer reference number and such information as we reasonably require to investigate the BPAY payment. If you do not give us that consent, the Biller may not be permitted under law to disclose to us the information we need to investigate or rectify that BPAY payment. Payment queries If, in relation to a transaction, we fail to observe the appropriate procedures for complaint investigation and resolution, allocation of liability and communication of the reasons for our decision, and such failure prejudices the outcome of our investigation of the complaint or delayed its resolution, we may be liable for part or

59 58 all of the amount of the transaction which is the subject of the complaint. Cut off times Generally, any withdrawal or deposit will be processed on the day instructions are received, provided your or an Additional Cardholder’s instructions are complete and received by us before 6pm (Melbourne time) on any Business Day. Any transaction outside these times may be processed on the following Business Day. A payment may take longer to be credited to a Biller if you tell us to make a payment on a Saturday, Sunday or a public holiday or if another participant in the BPAY Scheme does not process a payment as soon as they receive its details. When a Biller cannot process a payment If we are advised that your payment cannot be processed by a Biller, we will: • advise you or an Additional Cardholder of this; • credit your Account with the amount of the BPAY payment; and • take all reasonable steps to assist you or an Additional Cardholder in making the BPAY payment as quickly as possible. Account records You should check your Account records carefully and promptly report to us as soon as you become aware of any BPAY payments that you think are errors or are BPAY payments that you or an Additional Cardholder did not authorise or you think were made by someone else without your or an Additional Cardholder’s permission. Privacy If you register to use the BPAY Scheme, you and any Additional Cardholder agree to our disclosing to Billers nominated by you or an Additional Cardholder and if necessary the entity operating the BPAY Scheme (BPAY Pty Ltd) or any other participant in the BPAY Scheme and any agent appointed by any of them from time to time, including Cardlink Services Limited, that provides the electronic systems needed to implement the BPAY Scheme: • such personal information (for example name, email address and the fact that you and any Additional Cardholder are our customer) as is necessary to facilitate your registration for or use of the BPAY Scheme; and • such transactional information as is necessary to process a BPAY payment made on your Account. BPAY payment information will be disclosed by BPAY Pty Ltd, through its agent, to the Biller’s financial institution. You and Additional Cardholders must notify us of any personal information changes, and you and Additional Cardholders consent to us disclosing any updated personal information to all other participants in the BPAY Scheme referred to in this sub-section, as necessary. You and Additional Cardholders can request access to information held by us, BPAY Pty Ltd ABN 69 079 137 518 (of Level 4, 3 Rider Blvd, Rhodes NSW 2138. Phone: (02) 8252 0500) or its agent, Cardlink Services Limited ABN 60 003 311 644 (of Level 4, 3 Rider Blvd, Rhodes NSW 2138. Phone: (02) 9646 9222). If personal information about you or an Additional Cardholder as detailed above is not disclosed to BPAY Pty Ltd or its agent, it will not be possible to process a requested BPAY payment on your Account. 16. General matters Processing transactions and your Account balance A transaction becomes part of the daily unpaid balance of your Account from its Transaction Date. Transactions may be processed on the day they are made or on a later Business Day. We may assign as their Transaction Date either the day on which they are made, or the day of processing. Interest charges, fees, charges and expenses

61 60 charged to your Account become part of your daily unpaid balance, on the day they are charged to your Account. We may adjust the balance of your Account to rectify any processing error or because a payment to the Account has been dishonoured. We may also adjust the balance of your Account so as to accurately reflect when a transaction was made and the legal obligations between you and us. Credit balance If your Account has a credit balance (for example because you overpay an amount which is due to us or a refund is processed to your Account), we will not pay interest on that credit balance. We may pay the credit balance to you by sending you a cheque in the post, paying it into another account you hold with us or in some other way (unless it is unclaimed money) but will take reasonable steps to provide notice to you if we do so. Codes of conduct Where the ePayments Code and/or Banking Code of Practice apply, relevant provisions of those code(s) will apply to your Account and we will comply with them. We will provide you with a copy of the Banking Code of Practice on request, or you can access a copy from the Australian Banking Association’s website ausbanking.org.au . Assignment Subject to applicable laws, we may sell, transfer or assign any of our rights or obligations relating to your Account to anyone without your consent. We will notify you of any sale, transfer, assignment or related arrangements if they have the effect of replacing us as the provider of credit to you, replacing us as the entity responsible for decisions about your Account, cause detriment whether financial or otherwise to you, or limit or reduce your rights under these conditions. Neither you nor any Additional Cardholder may sell, transfer or assign your or their rights and obligations relating to your Account without our consent. Governing law and jurisdiction These conditions are to be interpreted in accordance with Australian laws. You agree to use only Australian courts, tribunals or other dispute resolution bodies if there is a dispute relating to these conditions. Severability If any of these conditions are, for any reason, invalid, illegal or unenforceable, it is to be read down to the extent of the issue, and the remaining provisions will remain valid and enforceable. Commission We may pay commission to a third party in relation to your Account. If it is ascertainable, we state the commission amount payable in your Financial Table. Additionally, we may pay commission to the providers of the third-party credit card comparison sites or email list providers’ digital advertising platform, where the credit application was received through their site or platform for the introduction of your credit contract. Waiver and exercise of rights A single or partial exercise of a right by us does not preclude another exercise or attempted exercise of that right or the exercise of another right. Failure by us to exercise or delay in exercising a right does not prevent its exercise or operate as a waiver. Unacceptable Account conduct We seek to protect our customers from harm arising from unlawful use of, or financial abuse conducted through, our products. We recognise financial abuse may happen to anyone and can

63 62 include forms of family and domestic violence or elder abuse. We will investigate instances where we identify or are made aware that an Account is being used in a financially abusive manner, including coercive or controlling behaviour to limit a person’s access to or use of funds. We may reasonably exercise our rights in these terms and conditions to close, cancel or suspend use of a Card, access to Online Servicing or your Account, or not agree to a Credit Limit increase if we reasonably consider it appropriate to protect a customer or another person from financial abuse. You can find more information about family and domestic violence and how to get support if you need it at mycard.com.au/help-and-support/ support-services . 17. Dictionary Interpretation Unless the context requires another meaning, a reference to a document (including these conditions) is a reference to that document as changed or replaced. Where a word or phrase is defined, its other grammatical forms have a corresponding meaning. Headings are for convenience only and do not affect interpretation. Definitions The definitions in relation to Instalment Plans are set out here and in section 5. Account means your unsecured credit facility with us. Additional Cardholder means another person who you have authorised to have a Card on your Account. ADI means Authorised Deposit-taking Institution and has the same meaning as the term in the Banking Act 1959 (Cth). Annual Percentage Rate (APR) means the Annual Percentage Rate or rates per annum used to calculate interest charges for your Account. Those rates appear on your statement and the initial rates were set out in the Financial Table. Available Credit means the difference between the Credit Limit and the sum of the outstanding balance and any transactions and other amounts not yet charged to your Account. Balance Transfer means an outstanding balance moved from an eligible credit card or other eligible credit account that is not another MyCard branded credit facility to your Account. Balance Transfer Fee means the fee (if applicable) that applies to a Balance Transfer. Balance Transfer Term means the period to which a promotional rate applies to a Balance Transfer offer. Banking Code of Practice means the “Banking Code of Practice” or any superseding publication published by the Australian Banking Association Inc. Biller means a merchant who accepts BPAY payments. Business Day means a day unless that day is: a) a Saturday or Sunday; or b) a day gazetted as a public holiday throughout all of Australia. This will not include a day that is only a State, Territory or regional public holiday. Card means any credit card issued by us for use on your Account, including a physical or digital Card. Cardholder means you and any Additional Cardholder. Card Balance means the Closing Balance less any Main Instalment Plan Balance(s), Instalment Fee, Initial Interest Charge and Monthly Instalment for that Statement Period, and Overdue Instalment Amounts.

65 64 Cash Advance means: a) a transaction where cash or its equivalent is obtained. It includes the purchase of traveller’s cheques, money order and wire transfers, as well as any gambling transaction or transaction to invest in shares or other financial products or related to cryptocurrency (if these are unable to be blocked by us); b) any other amount that these terms and conditions or the terms of a Special Promotion say incurs interest, or interest is calculated, at the APR applicable to Cash Advances or is treated as a Cash Advance. Chargeback means a transaction that is returned to a merchant to seek a refund after dispute by a Cardholder and, where relevant, the procedures for achieving this. Closing Balance means the total amount outstanding on your Account at the end of the Statement Period. Communications means statements, notices and other information we may give you. Credit Limit means the maximum amount of credit we tell you in writing you can have on your Account. Daily Calculation Method means calculating interest by multiplying the applicable daily percentage rate by the daily unpaid balance for each relevant amount for each day of the relevant period and then adding those amounts together. See section 5. Daily Instalment Plan Rate means the Instalment Plan APR divided by 365. See section 5. An Instalment Plan is cancelled or repaid in full Early if this happens in a Statement Period before the one in which the final Monthly Instalment amount would have been due. See section 5. Extra Payment means an amount applied to an Instalment Plan during a Statement Period that reduces the Main Instalment Plan Balance. See section 5. Financial Table means the Financial Table in the document that forms part of your credit card contract. The terms in it can be varied from time to time in accordance with these conditions. Identifier means information including an Account number, Card number and Card expiry date, which is known to you or an Additional Cardholder and which need not be kept secret. Initial Interest Charge means the interest charged on the Instalment Plan in the Statement Period when the Instalment Plan is set up, as described in section 5. Instalment Fee means the fee that may apply for setting up an Instalment Plan. See section 5. Instalment Plan means a plan under which a particular balance is scheduled to be paid off in a specified number of instalments. See section 5. Interest Free Days Payment means the amount that you need to pay to keep or start a new interest free days period for the Retail Purchase Balance if you have an Instalment Plan or Balance Transfer and your Account is eligible for an interest free period. Legitimate Interests means: a) our legitimate funding, business, risk management, prudential or security requirements; or b) any other requirements that are reasonably necessary to protect us against a material risk that a monetary default will occur. Main Instalment Plan Balance means the remaining principal balance of the Instalment Plan on any day that is not included in a Monthly Instalment that is due or any Overdue Instalment Amount. See section 5. Minimum Payment Due means the payment described as that in your statement. The Financial Table explains how it is calculated. Mistaken Internet Payment means a payment made by a Cardholder through pay anyone functionality where funds are paid into the

67 66 account of an unintended recipient because the Cardholder entered or selected a BSB number and/or account number, or PayID (if available) that belonged to the wrong person because of: • the Cardholder’s error; or • the Cardholder being advised of the wrong details. See section 13A. Monthly Average Balance means the average balance of the Main Instalment Plan Balance during a Statement Period. See section 5. Monthly Instalment means the monthly repayment instalment under an Instalment Plan. See section 5. Monthly Instalment Plan Rate means the Instalment Plan APR divided by 12. See section 5. NAB/our/us/we/The MyCard Team means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Network means the organisations, institutions and schemes through which transactions may be performed on your Account. Nominated Account means an eligible non- MyCard branded credit facility from which you’ve requested a Balance Transfer. See section 5. Notifiable Event means where a Card or Security Code is lost, stolen or disclosed to someone else, or where a Card, Identifier or Security Code has been used to effect an Unauthorised Transaction or has otherwise been misused. Online Servicing means the online services that permit Cardholders to access certain Account services via the internet, through our mobile application or other digital channels that we tell Cardholders can be used to access your Account. Overdue Amount means any Minimum Payment Due amount that was not paid by the Payment Due Date and remains unpaid. Overdue Instalment Amount means any unpaid overdue Monthly Instalments, Initial Interest Charge and Instalment Fee and related interest. See section 5. Overlimit Amount means the amount by which your Account balance exceeds your Credit Limit. Overlimit Amounts are due and payable immediately from the date you exceeded the Credit Limit. Payment Due Date means the date specified in your statement as the date by which payment of the Minimum Payment Due must be made. Payment Facility means Cards, Online Servicing, Recurring Card Instructions and BPAY. PIN means the personal identification number we allocated to a Card or selected by a Cardholder. Receiving ADI means the ADI whose customer received an internet payment. See section 13A. Recurring Card Instruction means an instruction from a Cardholder to a merchant to charge amounts to the Card (using the Card number) on an ongoing basis. See section 2. Retail Purchase means any: a) purchase of goods or services that is not a Cash Advance; b) other amount that these terms and conditions or the terms of a Special Promotion say incurs interest, or interest is calculated, at the APR applicable to Retail Purchases, is treated as a Retail Purchase transaction type or part of the Retail Purchase Balance, excluding Overdue Instalment Amounts. Retail Purchase Balance means the outstanding balance of all Retail Purchases. Security Code means a Cardholder’s PIN, online password, or any other password or information used to access or transact on the Account and which is known to the Cardholder and is intended to be known only to the Cardholder and which we require the Cardholder to keep secret. Sending ADI means the ADI whose customer has made an internet payment. See section 13A.

69 68 Special Promotion means any promotional offer we make available to you, that is not an Instalment Plan or Balance Transfer. Statement Period means the set period of time we use to record activity on your Account ending on the same day each month even if it is a non- Business Day. Total Cash Limit means the total amount of Cash Advances that can be made on your Account at any time (as a percentage of your Credit Limit). This is generally the same as your Credit Limit unless we notify you otherwise. See section 2. Total Minimum Payment Due has the meaning set out in the Financial Table. Transaction Date means the date we assign to a transaction on your Account, which could be the day a transaction is made or the day it is processed. See section 16. Unauthorised Transaction means a transaction, made without a Cardholder’s knowledge, consent or authorisation. you/your means the person(s) in whose name the Account is opened. Part B: Credit Guide This Part applies if your Account is regulated by consumer credit legislation. This Credit Guide and other disclosure documents that we may give you, are important documents. These documents are all written in English. You need to ensure that you read and understand these documents before you make a decision to obtain credit. If you are unable to read English you should get help from an independent translator to interpret this material. What is a Credit Guide? This Credit Guide is designed to assist you in understanding the credit services offered by National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence No. 230686 (“the Credit Provider”). The Credit Provider holds an Australian Credit Licence (ACL) issued by the Australian Securities and Investments Commission (ASIC). This Credit Guide outlines the types of credit services and credit contracts that the Credit Provider provides, gives information on the Credit Provider’s obligations to you with respect to providing those services, and if necessary, how to make a complaint. How can you contact us? You can contact the Credit Provider by: • Logging in and chatting with us; • Calling 13 24 84 (within Australia) or +61 2 8225 0615 (from overseas) • Writing to: MyCard GPO Box 9992 Melbourne VIC 3001 How do we engage in credit activities and provide credit services? The Credit Provider engages in credit activities by entering into credit contracts with you. These contracts include:

71 70 • Credit cards • Revolving lines of credit or personal loans • Home loans • Temporary or ongoing credit limit increases The Credit Provider provides credit services to you by: • suggesting to you or assisting you with applying for new credit products; • for credit products, excluding credit cards, suggesting you to or assisting you to increase limits on your credit products; • for credit cards, at your request we will assist you to increase limits on your credit card; or • suggesting to you that you remain in a credit product. The Credit Provider also engages third parties to provide credit services to you. How will we provide credit contracts to meet your needs and circumstances? Before entering into a credit contract with you for new or increased credit, the Credit Provider will perform a credit assessment. This assessment will involve making enquiries as to your financial circumstances, an assessment of your requirements and objectives, and performing certain verifications of the financial information. The purpose of the assessment is to check, based on the information supplied, that you will be able to comply with the credit contract or credit limit increase agreement and that complying will not create a situation of substantial hardship for you, and to ensure that the contract meets your needs and objectives. This is a legal obligation of the Credit Provider. If it is likely that you will only be able to meet your repayment obligations by selling your principal place of residence, it must generally be presumed that you would only be able to comply with your obligations with substantial hardship, and such a credit contract or credit limit increase agreement will not be entered into. It is important that you provide complete and accurate information about your current financial situation, and also about any likely future changes that may impact your ability to repay the loan without facing financial hardship. Obtaining a copy of the credit assessment Before entering into the credit contract or credit limit increase agreement, you may request a written copy of the credit assessment, in which case the assessment must be supplied before the contract is entered into. You may also request a copy of the credit assessment at any time during the 7 years after the day the credit contract is entered into or the limit increased. In this case, if the request is made within the first 2 years, then the assessment must be supplied to you within 7 business days. If the request is made beyond the first 2 years, then the assessment must be supplied to you within 21 business days. There is no charge for the supply of the credit assessment. Note: We are not required to provide you 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 or credit limit increase occurred before 1 January 2011. What should you do if you have a complaint? If you have a complaint about the service provided to you, you can lodge your complaint in one of the following ways: • Log in and chat with us. • By telephone Call 1300 308 935 (toll free within Australia) or +61 2 8225 0615 (from overseas) between 8am-6pm Monday to Friday (AEST).

73 72 • By email customerresolutions@mycard.com.au . • In writing Mail your written complaint to: MyCard – Customer Resolutions Reply Paid 2870 Melbourne VIC 8060. • By filling out our feedback form at mycard.com.au . Once you have contacted us, we will begin the process of investigating and resolving your complaint. We will try to resolve your complaint quickly and fairly, however some complaints do take more time than others. If we anticipate that your complaint will take longer than 21 days to resolve, we will contact you within this time to provide you with an update on our progress. If we are unable to resolve your complaint within 30 days (or within 21 days if it involves a hardship notice, default notice or request to postpone enforcement), we will: a) tell you the reasons for the delay; b) tell you the date by which you can reasonably expect to hear the outcome of our investigation; c) give you monthly updates on the progress; d) tell you about your right to complain to the Australian Financial Complaints Authority (AFCA) if you are dissatisfied; and e) provide you with contact details for AFCA (also set out below). For complaints involving hardship notice, default notice or request to postpone enforcement, exceptions apply to the 21 day timeframe if we do not have sufficient information to make a decision or we reach an agreement with you. If we require further information from you, then we will request it within 21 days of receiving the complaint. We also have a Customer Advocate whose role is to promote fair customer outcomes, advise and guide our complaints teams on how best to resolve a complaint, and recommend changes to our policies, procedures and processes. 2. Alternate dispute resolution paths If, despite our best efforts, you feel the dispute resolution process was not fair, or you remain unhappy with the outcome, you can refer your complaint to: • The Australian Financial Complaints Authority (AFCA). AFCA offers an independent alternative dispute resolution service to customers who have been through the bank’s internal complaint process. How to contact AFCA Post: GPO Box 3, Melbourne VIC 3001 Phone: 1800 931 678 (free call) Email: info@afca.org.au Website: afca.org.au • The Australian Securities and Investments Commission (ASIC) also has a free information line on 1300 300 630 that can be used to get more information on your rights, and how to make a complaint.

75 74 Part C: Information Statement This Part applies if your Account is regulated by consumer credit legislation. Things you should know about your proposed credit contract This statement tells you about some of the rights and obligations of yourself and your credit provider. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact the credit provider 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? Your credit provider must give you a precontractual statement containing certain information about your contract. The pre- contractual statement, and this document, must be given to you before your contract is entered into.
How can I get a copy of the final contract? If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee. Your credit provider has to give you a copy: • within 14 days of your written request if the original contract came into existence one 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 the credit provider 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 your credit provider 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.
Can I pay my credit contract out early? Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract.
How can I find out the payout figure? You can write to your credit provider at any time and ask for a statement of the payout figure as at any date you specify. You can also ask for details of how the amount is made up. Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement.
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 your credit provider to charge one) and other fees.
Can my contract be changed by my credit provider? Yes, but only if your contract says so.
Will I be told in advance if my credit provider 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.

77 76 • you get 20 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 your credit provider; 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 your credit provider. 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. The AFCA scheme can be contacted at 1800 931 678 (free call), info@afca.org.au , afca.org.au and by writing to 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 asic.gov.au . Insurance 10. Do I have to take out insurance? Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, the credit provider can not insist that you use any particular insurance company. 11. Will I get details of my insurance cover? Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is financed by your credit provider. In that case the insurer must give you a copy of the policy within 14 days after the insurer has accepted the insurance proposal. Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider then, within 14 days of that happening, your credit provider must ensure you have a written notice of the particulars of that insurance. You can always ask the insurer for details of your insurance contract. If you ask in writing your insurer must give you a statement containing all the provisions of the contract. 12. If the insurer does not accept my proposal, will I be told? Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected. 13. In that case, what happens to the premiums? Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer. General 14. What do I do if I cannot make a repayment? Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways: • to extend the term of your contract and reduce payments; • to extend the term of your contract and delay payments for a set time; or • to delay payments for a set time.

79 78 15. What if my credit provider and I cannot agree on a suitable arrangement? If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong. If the credit provider still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 17. 16. Can my credit provider take action against me? Yes, if you are in default under your contract. But the law says that you can not 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. 17. 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. IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER 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 1800 931 678 (FREE CALL), INFO@AFCA.ORG.AU, AFCA.ORG.AU AND BY WRITING TO GPO BOX 3, MELBOURNE VIC 3001. PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

Contact us Report lost or stolen Cards, devices or Security Codes 24 hours a day by calling us. For more information: Visit us at mycard.com.au If you are calling within Australia 13 24 84 If you are calling outside Australia +61 2 8225 0615 Log in and chat with us Write to us at: MyCard GPO Box 9992, Melbourne VIC 3001 For accessibility support information, visit: mycard.com.au/help-and-support/support- services MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB. MYC18014_(0925)

Source: https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/rewards-program-tcs.pdf

MyCard Rewards Program and MyCard Qantas Rewards Program Terms and Conditions Effective 1 October 2026 MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB. • MyCard Rewards Credit Card • MyCard Premier Credit Card • MyCard Rewards Qantas Credit Card • MyCard Premier Qantas Credit Card Contents

Definitions 2 Introduction 4 Part A 4
Participation and Agreement 4
Awarding of Points 4
Adjustments and Deductions to your Points Balance 4
Duration and Loss of Points 4
General 5 Part B 6
Accumulation of Points – MyCard Rewards Program 6
Redemption of Points for Rewards 7
Cashback 7
Giftcards 7
Airline, Hotel, and Other Loyalty Programs 7
Shop with Points 8
Pay with Points on selected transactions 8
Autoredemption 8 Part C 9
Accumulation of Points – MyCard Qantas Rewards Program 9 Part D 10
MyCard Concierge Services 10
Special Features of your MyCard Premier Credit Card 10

Definitions Account Terms and Conditions are the Terms and Conditions that relate to your Account. Airline, Hotel and Other Loyalty Points means Points earned or capable of redemption under an airline, hotel, or other Loyalty Programs (other than the Qantas Frequent Flyer Program). Airline, Hotel and Other Loyalty Program means any participating loyalty program operated by a third party (other than the Qantas Frequent Flyer Program). Autoredemption are the Points swept automatically to a selected participating partner as set out in clause 14. Bonus Points are Points available on certain Eligible Transactions in addition to the standard Points Earn Rate, offered from time to time. Cashback means the redemption of Points for a credit to your Account, reducing your outstanding balance. Consequential Loss means any loss or damage suffered by a party which is indirect or consequential, loss of revenue, loss of profits, loss of goodwill or credit, loss of use, loss of data, damage to credit rating, loss or denial of opportunity, or increased overhead costs. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Earn Rate means the rate at which you earn Points on Eligible Transactions, as set out in clause 7 for a MyCard Rewards Program, or clause 15 for a MyCard Qantas Rewards Program. Eligible Transaction means any purchase excluding (but not limited to): a) Cash Advances (which include bills paid over the counter at a bank, financial institution or post office, and the purchase of travellers cheques); b) bank fees, charges and interest (including any GST payable on any of these) applicable to your Rewards Card Account or use of the Card or to MyCard Rewards; c) government related payments (includes transactions with Australian and overseas government entities, semi-government entities, or related agencies – for example, but not limited to, Australia Post, council rates, motor registries, fines, and court costs). Classification as a government-related transaction is based on merchant or financial institution data, so some businesses may be treated as government-related even if they are not; d) transactions where the Card is used to make payments to the Australian Taxation Office (ATO); e) balance transfers, except where Bonus Points may be earned under a Special Promotion specifically for balance transfers; g) purchase of foreign exchange, travellers cheques or money orders; h) transactions we decide (acting reasonably) are wholly or partly for business purposes; i) any transactions where your MyCard Account is, or is reasonably believed by us to be, operated fraudulently, except where you reasonably demonstrate that your MyCard Account was not operated fraudulently; j) unauthorised purchases for which you are not liable; k) transactions where the Card is used to make purchases through BPAY®; l) transactions for gambling and gaming purposes (examples include purchase of lottery tickets, purchase of gaming chips or tokens and online gambling); m) transactions for investments, such as investments in shares; or n) transactions related to Special Features or promotions, except where Bonus Points may be earned according to additional terms and conditions of the Special Feature or Promotion. Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). 2

3 Giftcard(s) are prepaid cards loaded with monetary value that can be used to purchase goods or services from a particular merchant. Giftcards are redeemable across selected merchants and may be issued by third parties. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. MyCard Qantas Rewards Program or MyCard Qantas Rewards means the Rewards Program offered by us as described in these Terms and Conditions which allow eligible Cardholders to automatically transfer their Points to Qantas Frequent Flyer on a monthly basis. MyCard Rewards Program or MyCard Rewards means the Rewards Program offered by us as described in these Terms and Conditions which allow you to redeem for Reward options (excluding Qantas Points). Our/us/we/The MyCard Team means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Online Servicing means the online services registered in your name that permit you to access certain Account services via the internet, through our mobile application or other digital channels that we tell you can be used to access your Account. Pay with Points means to redeem a nominated number of Points via Online Servicing against certain transactions presented to and selected by you for a credit back to your Account. This may not be available for all transactions on your Account. Points are the points earned on Eligible Transactions. Qantas means Qantas Airways Limited ABN 16 009 661 901, its successors and assigns. Qantas Points means points in the Qantas Frequent Flyer Program. Qantas Frequent Flyer Program means the frequent flyer program operated by or for Qantas under that name. Reward means the goods and services described in the current promotional material or otherwise offered by the MyCard Rewards Program from time to time and includes, but is not limited to applicable Giftcards, Cashback, Shop with Points, Pay with Points, Autoredemption and points transfer to other loyalty programs. Rewards Balance is your current Points balance accessible via Online Servicing. Rewards Program means the Rewards programs offered by us as described in these Terms and Conditions, including MyCard Rewards and MyCard Qantas Rewards Programs. Shop with Points means to redeem a nominated number of Points by purchasing eligible items at selected merchants. Special Feature means any feature or promotion related to the Card we identify as a Special Feature, offered by us from time to time. You, your means the person in whose name the Account is opened. Any other capitalised terms used in these Terms and Conditions have the same meaning as in your Account Terms and Conditions.

4 Introduction These Rewards Terms and Conditions should be read in conjunction with the Account Terms and Conditions, and explain how you can earn Points on your Account and redeem these Points in either the MyCard Rewards Program or MyCard Qantas Rewards Program. Part A Part A applies to all MyCard Rewards Programs. 2. Participation and Agreement 2.1 You are eligible to participate in the Rewards Program if you are an individual and your Account does not expressly exclude you from participation. 2.2 You may only participate in either the MyCard Rewards or MyCard Qantas Rewards Program at any one time, and not both at the same time. 2.3 Additional Cardholder(s) are not eligible to participate in the Rewards Program, unless otherwise specified in these Terms and Conditions. However, you are able to earn Points on Eligible Transactions made by Additional Cardholders. 3. Awarding of Points 3.1 We will award Points for all Eligible Transactions debited to your Account during the Statement Period. Your Rewards Balance can be viewed via Online Servicing. 3.2 You can redeem Points once they have been allocated to your Rewards Balance. 3.3 Points have no monetary value (unless a Reward specifically permits), do not constitute your property, are not transferable and cannot be redeemed for cash (unless a Reward specifically permits). 3.4 If you have a dispute in relation to the number of Points which you have been awarded in respect of an Eligible Transaction, such a dispute must be made within 12 months of the date of the Eligible Transaction or within such time as is reasonable in the circumstances. We may, acting reasonably, require you to provide documentary evidence to support your claim. 4. Adjustments and Deductions to your Points Balance 4.1 The Points you redeem will be deducted from your Rewards Balance. 4.2 When a transaction is reversed (e.g. from returning goods or services or a disputed transaction), the total number of Points you earned for the transaction will be deducted from your Rewards Balance. 5. Duration and Loss of Points 5.1 We may, acting reasonably, cancel or suspend your right to participate in the Rewards Program including the ability to earn and redeem Points if your Account is in default or we reasonably believe that the Points were not properly earned. In addition, if your Account is suspended under the Account Terms and Conditions your participation in the Rewards Program will also be suspended. 5.2 If we notify you that your right to participate in the Rewards Program is no longer suspended (including because your Account suspension has been lifted), your Rewards Balance, as at the date of suspension, will be reinstated and you will be able to earn Points on Eligible Transactions from the date your suspension ends. 5.3 If you instruct us to close your Account and/or elect not to participate in the Rewards Program you will cease to earn Points on Eligible Transactions and your Rewards Balance will be cancelled immediately.

5 6. General 6.1 We may change any of the terms and conditions of our agreement without creating a new agreement. We’ll tell you about these changes by communicating with you, unless in some scenarios where we may not be required to notify you. The table below outlines the different types of changes we may make and when you will be notified. Type of Change When you’ll be notified Change the way Points are earned, including a change to existing ways or the introduction of new ways according to the type of Card At any time without prior notice (but if the change is unfavourable, we will try to publish details before the change takes effect, if we are able to do so). We will make current information about the way to earn Points available in the FAQs. Change the way Points are redeemed, including the number of Points required to redeem a Reward or changing any fees associated with a redemption At any time and without prior notice. Current information is available via Online Servicing. Change to allocation of Points for dollar(s) spent At any time by giving you at least 30 days prior written notice. Change the period of expiry of Points At any time by giving you at least 30 days prior written notice. Changes that are non-material in nature If we do not need to notify you, we may give you a shorter notice period than the period described in this table. This will be published on the website or otherwise notification provided at the time a Reward redemption is made. Introduce or change any fees associated with a redemption At any time by giving you at least 30 days prior written notice. Introduce or change program features and specific rewards conditions At any time by giving you at least 30 days prior written notice. Make changes as a result of changes made by our suppliers or partners At any time by giving you at least 30 days written notice. Remove Rewards At any time and without prior notice. Current information is available via Online Servicing. Changes to third party points (such as Qantas Points or Airline, Hotel and Other Loyalty Points) Subject to change in accordance with the terms and conditions of that program. You’ll be notified directly by the third party program provider. 6.2 We and our Rewards Partners may seek, collect, use, store, share or disclose for the purpose of your participation in the Rewards Program information about Eligible Transactions, adjustments to your Account as a result of reimbursements, disputed transactions and refunds, your Rewards Balance and the conduct of your Account. 6.3 We give no warranty and accept no responsibility as to the ultimate tax treatment of Rewards or Points. You will need to check with your tax advisor whether receiving a Reward affects your tax situation. 6.4 Where the Rewards you redeem under this Program are provided by third parties, to the extent permitted by law we are not responsible for those or any death or injury, loss or Consequential Loss or damage from that Reward. We are not responsible for any loss arising from the loss, theft or destruction of a Reward, except to the extent such loss or damage is caused by our fraud, negligence or misconduct. 6.5 We give no warranty (whether express or implied) whatsoever with respect to Rewards provided by third parties. Rewards will normally come with warranties from the supplier or manufacturer of the Rewards and any claims in respect of those Rewards should be made with those suppliers or manufacturers. In particular, we do not represent that any particular Reward is suitable for the purpose for which you intend to use it.

6 6.6 We will exercise any rights or discretions that we have under these Rewards Program Terms and Conditions in a fair and reasonable manner. That includes whenever we are: a) considering any request you make; b) deciding whether to give our consent or to exercise a right, discretion or remedy; c) setting any conditions for doing any of those things; or d) making changes under section 6.1 or anywhere else in these Rewards Program Terms and Conditions. Examples of how we will take reasonable steps to ensure you are treated fairly include giving you reasonable notice of changes and making adjustments to your Points. It’s worth noting that even if we don’t make a decision or do something straight away, we may still do so later on. This includes where we delay or defer doing so, or we temporarily waive a requirement. Part B Part B applies only to MyCard Rewards Programs and does not apply to the MyCard Qantas Rewards Programs. 7. Accumulation of Points – MyCard Rewards Program 7.1 We allocate Points in respect of Eligible Transactions as set out in the table below. The number of Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction: Card type Domestic Spend International Spend Capping MyCard Rewards Credit Card 2 Points per $1 spent on each Eligible Transaction at supermarkets and petrol outlets* (rounded down to the nearest whole point) 1.5 Points per $1 spent on each Eligible Transaction everywhere else (rounded down to the nearest whole point) 2 Points per $1 spent on each Eligible Transaction (rounded down to the nearest whole point) Uncapped MyCard Premier Credit Card 2 Points per $1 spent on each Eligible Transaction on travel** (rounded down to the nearest whole point) 1.5 Points per $1 spent on each Eligible Transaction everywhere else (rounded down to the nearest whole point) 2 Points per $1 spent on each Eligible Transaction (rounded down to the nearest whole point) Uncapped

For MyCard Rewards Cardholders whether or not a purchase is eligible to earn Points will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a supermarket is not classified as a supermarket by the card scheme, it will not be treated as a supermarket for calculating Points. ** For MyCard Premier Cardholders travel means airlines, hotels, taxis, rideshares and cruise liners. Transactions not ordered or booked directly with an airline, hotel, taxi, rideshare or cruise liner (e.g. through a travel agent) would not be treated as “travel” for calculating Points. Whether or not a purchase is eligible to earn Points will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, an airline is not classified as an airline by the card scheme, it will not be treated as “travel” for calculating Points. 7.2 From time to time we may tell you that Bonus Points will be awarded. This may include but is not limited to purchases you make at participating Bonus Points merchant partners or pursuant to specific promotional offers, the terms of which will be provided separately.

7 8. Redemption of Points for Rewards 8.1 Pursuant to these Terms and Conditions, you may redeem Points for Rewards which have been nominated by us. 8.2 Rewards available for redemption are subject to change as outlined in clause 6. Rewards options available under your MyCard Rewards Program can be found via Online Servicing. 8.3 If you make a request to redeem Points for any Rewards referred to in these Terms and Conditions, this request cannot be reversed, cancelled or changed after it has been accepted. 8.4 A Rewards redemption can be made by you via Online Servicing, or via the customer service centre. 9. Cashback 9.1 If you redeem Points for Cashback, the amount of the cashback will be processed to your Account for the nominated amount in exchange for your Points. This will be set-off against the Closing Balance of your Account on your next statement. 9.2 Cashback does not satisfy your obligation to make the Payment Due on your statement. To keep your Account in order, you must disregard the amount of any cashback that has not been credited and make all payments as set out in your Account Terms and Conditions. 9.3 Cashback is not allocated to repay a specific transaction. It will reduce the balance owing on your Account in the ordinary application of payments set out in your Account Terms and Conditions. You may contact the customer service centre for more information. 10. Giftcards 10.1 You may redeem Points for Giftcards, which will entitle you to redeem the Giftcard with the named supplier. 10.2 Giftcards are subject to the Terms and Conditions noted on the Giftcard and the named supplier’s terms and conditions. 10.3 Giftcards are equivalent to cash and we cannot replace Giftcards if lost, stolen or destroyed. Nor can Points for lost, stolen or destroyed or Giftcards be re-credited to your Account. 10.4 If you make a request to redeem Points for Giftcard(s), this request cannot be reversed, cancelled or changed after is has been accepted. 11. Airline, Hotel, and Other Loyalty Programs 11.1 If your Account allows you to redeem Points for Airline, Hotel and Other Loyalty Points, the types of Airline, Hotel and or Other Loyalty Points that we offer may change over time. Rewards options available under your MyCard Rewards Program can be found via Online Servicing. 11.2 You must be a member of the Airline, Hotel or Other Loyalty Program in which you wish to claim Airline, Hotel or Other Loyalty Points and have advised us of your Airline, Hotel or Other Loyalty Program membership number prior to any such redemption. 11.3 If you are a member of the Airline, Hotel, and Other Loyalty Program, you are subject to the terms and conditions of the Airline and Other Loyalty Program. 11.4 If you redeem Points for Airline, Hotel and Other Loyalty Points, the Airline, Hotel and Other Loyalty Points may take up to 28 Business Day(s) to appear in your Airline and Other Loyalty Program membership account.

8 12. Shop with Points 12.1 Shop with Points is available for redemption at selected participating merchants. This is subject to the Terms and Conditions of Shop with Points at the selected participating merchant, which will be made available at the time of redemption. 12.2 Items purchased using Shop with Points are subject to the selected merchant’s Terms and Conditions and return policy. 12.3 Further redemption requirements may apply and will be disclosed to you at the time of redemption. 12.4 If you make a partial Points redemption, the remaining balance will be charged to your chosen payment option by the selected merchant at checkout. You do not earn Points on the portion of your redemptions made with your Points at the selected merchant. 12.5 No Chargeback rights apply for Points redemptions. For any partial Points redemptions, Chargeback rights may be available for the remaining portion of your transaction, depending on the payment option you choose. 13. Pay with Points on selected transactions 13.1 You may use your Points to pay for certain selected transactions that we present to you via Online Servicing or any other method we make available to you. 13.2 Only selected transactions that you have made and that we present to you can be redeemed using Pay with Points. You must follow the instructions were you are provided with the option to pay for a selected transaction with your Points. We will process that credit to your Account within 5 Business Day(s). 13.3 Using Pay with Points for a selected transaction does not satisfy your obligation to make the payment due on your Account statement. To keep your Account in order, you must disregard the amount of any Pay with Points redemption and make all payments as set out in your Account statement. 14. Autoredemption 14.1 Autoredemption may be available for selected participating partners and can be setup via Online Servicing. This is subject to the terms and conditions of Autoredemption with the selected participating partner, which will be made available at the time of redemption opt in. 14.2 If you opt in to Autoredemption, your Rewards Balance will be automatically transferred to the selected participating partner at a pre-determined interval advised at the time of redemption opt in. 14.3 The rate at which Points are redeemed will be the current rate at the time of which Autoredemption occurs. 14.4 You may opt out of Autoredemption at any time and will be able to resume manual redemption of your Points. 14.5 Once Points have been redeemed for a selected participating partner, including Airline, Hotel and Other Points, they are governed by the partner terms and conditions.

9 Part C Part C applies only to the MyCard Qantas Rewards Programs and not any MyCard Rewards Programs. 15. Accumulation of Points – MyCard Qantas Rewards Program 15.1 We allocate Points in respect of Eligible Transactions as set out in the table below. The number of Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction: Card type Domestic Spend International Spend Capping MyCard Rewards Qantas Credit Card 0.5 Points per $1 spent on each Eligible Transaction (rounded down to the nearest whole point) 0.5 Points per $1 spent on each Eligible Transaction (rounded down to the nearest whole point) All Spend capped at $6,000 per Statement Period MyCard Premier Qantas Credit Card 0.5 Points per $1 spent on each Eligible Transaction (rounded down to the nearest whole point) 0.5 Points per $1 spent on each Eligible Transaction (rounded down to the nearest whole point) All Spend capped at $7,000 per Statement Period 15.2 You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in the MyCard Qantas Rewards Program. You will only earn Qantas Points after you advise us of your Qantas Frequent Flyer Program membership number. We will not credit you with Points of any sort before you advise us of your Qantas Frequent Flyer Program membership number. 15.3 Your Rewards Balance will be automatically redeemed for Qantas Points at the end of each Statement Period. It may take 28 Business Day(s) for the Qantas Points to appear in your Qantas Frequent Flyer membership account. 15.4 When Points are redeemed for Qantas Points they will be redeemed at a rate of 1 Point for 1 Qantas Point. 15.5 Membership of the Qantas Frequent Flyer Program is subject to the terms and conditions of that program. Once Points are redeemed for Qantas Points, the redemption cannot be reversed, cancelled or changed. Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer Program and these Terms and Conditions will no longer apply. 15.6 If, in any given Statement Period, you opt out of the MyCard Qantas Rewards Program, your Rewards Balance will cease to be redeemed for Qantas Points after the end of the Statement Period in which you have made the election. 15.7 If you opt out of the MyCard Rewards Program, and into the MyCard Qantas Rewards Program, you will lose all your accrued Points in the MyCard Rewards Program. You cannot redeem them or use the Points you accrued in the MyCard Rewards Program in the MyCard Qantas Rewards Program. You cannot transfer Points from one Rewards program to the other. 15.8 Points may not be redeemed for any Reward other than by automatic redemption for Qantas Points in accordance with these Terms and Conditions. 15.9 Qantas Points may only be credited to a Qantas Frequent Flyer membership account in the Account holder’s name.

10 Part D Part D applies only to MyCard Premier Cardholders and MyCard Rewards Cardholders who were MyCard Platinum Cardholders between November 2025 and 30 September 2026. 16. MyCard Concierge Services 16.1 We provide the Concierge Service via third parties. Concierge Services will act on your behalf and as an intermediary in assisting you with the following requests: a) Travel – for example, pre-trip information, flight and hotel availability and bookings; b) Entertainment – for example, ticket bookings for events, and restaurant reservations; c) Lifestyle – for example, information on golf clubs, health clubs, and pet services; d) Shopping – for example, sourcing hard to find items or arranging gift purchase and delivery. 16.2 You will be informed of the cost and options, if available, before any booking or purchase is made for you. Concierge Services will not incur costs on your behalf unless your prior consent has been received. Any ticket purchases once authorised and confirmed by you will be deemed as non- refundable on non-exchangeable items. 16.3 Concierge Services will provide you with a breakdown of any costs associated with the provision of a service, prior to arranging the service. You will not be charged for research or co-ordination services performed by Concierge Services. You will be responsible for all other costs and expenses related to your request. To the extent possible, goods and services acquired on your behalf will be charged directly by the provider to your Account. If Concierge Services advances funds for goods or services, Concierge Services shall bill that amount to your Account. 16.4 Concierge Services will not locate goods and services if they are: a) requested for re-sale, professional or commercial purposes; b) abroad when customs regulations prohibit the shipping of the items to you; c) prohibited under applicable law or which contravene popular moral or ethical standards; or d) do not clearly provide some recreational benefit to you. 16.5 When goods or services are purchased on your behalf, items will be purchased and/or delivered in accordance with national and international regulations: a) you are at all times responsible for customs and excise fees and formalities; b) Concierge Services recommends that goods be insured for mailing or shipping; Concierge Services does not arrange for an insurance policy to apply to the goods or services purchased on your behalf; if you require an insurance policy for the goods and services purchased on your behalf, you must specify this before the booking or purchase is made for you and you will be charged the cost of the insurance; c) Concierge Services do not provide mailing or shipping services; mailing and shipping services are organised in accordance with your instructions; you may have remedies against the company which ships the goods to you. 16.6 Concierge Services accepts no liability arising from any provider that does not fulfil their obligations to you except to the extent loss or damage is caused by our fraud, negligence or misconduct. 17. Special Features of your MyCard Premier Credit Card 17.1 Your MyCard Premier Credit Card is available with a variety of Special Features. These features will be identified as Special Features and will be subject to these Rewards Program Terms and Conditions, together with the terms and conditions of the Special Features. To learn more about the Special Features and to view the terms and conditions, please go to mycard.com.au .

11 For more information visit us at mycard.com.au Or call our customer service centre 13 24 84 If you are calling from overseas

61 2 8225 0615 For general correspondence please write to GPO Box 9992 Melbourne VIC 3000 MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB. A184979-0926

Source: https://www.mycard.com.au/content/mycard/en/help-and-support/important-information.html

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Credit Card Terms and Conditions and Other Important Information (PDF, 402KB)

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Important information

Find important information about our products and services including fees and charges, product disclosure statements, terms and conditions and our Financial Services Guide.

Help and support
Important information

Terms and conditions

Terms and conditions for our credit cards and other products:

Credit Card Terms and Conditions

Rewards Terms and Conditions

These terms and conditions apply to MyCard Premier, MyCard Premier Qantas, MyCard Rewards, MyCard Rewards Qantas.

MyCard Rewards Program and MyCard Qantas Rewards Program Terms and Conditions (PDF, 278KB)

Luxury Stay and Travel Benefit Terms and Conditions

These terms and conditions are only applicable to former MyCard Prestige and MyCard Prestige Qantas cardholders.

Luxury Stay and Travel Benefits (PDF, 134KB)

Complimentary Insurance Terms and Conditions

These terms and conditions apply to all cards except MyCard Ready Credit.

Prior to 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet – effective 26 November 2025 (PDF, 619KB)

From 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet (PDF, 564KB)

MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 220KB)

Digital Terms and Conditions

Click to Pay Terms and Conditions (PDF, 97KB)

Samsung Pay Terms and Conditions (PDF, 97KB)

Apple Pay Terms and Conditions (PDF, 97KB)

Google Pay Terms and Conditions (PDF, 102KB)

Mobile App and Online Terms of Use

MyCard Consumer Data Right Policy (PDF, 143KB)

Policies and guides

Nab Financial Services Guide

Useful forms

Here are some useful forms relating to our credit cards:

Change of Name form (PDF, 195KB)

Change in Date of Birth (PDF, 152KB)

Appointment of an Authorised Person (AP) Request Form (PDF, 166KB)

Appointment of a Power of Attorney (POA) Request Form (PDF, 223KB)

Autopay (Direct Debit) Form (PDF, 171KB)

Direct Debit (Autopay) Request and Service Agreement (PDF, 141KB)

Application for Financial Hardship Assistance (PDF, 601KB)

Closing NAB accounts and releasing funds for a Deceased Estate form (PDF, 1MB)

Request for Refund of Unclaimed Monies (PDF, 151KB)

Fees and charges

View our fees and charges for MyCard credit card products.

MyCard fees and charges

Target Market Determinations

A Target Market Determination (TMD) describes who a product may be suitable for, based on likely needs, objectives and financial situations. It doesn’t replace terms and conditions or product disclosure statements. It’s important that you read and understand these disclosure documents before taking out one of our products.

Target Market Determination documents

Banking Code of Practice

The Banking Code of Practice is an industry code that’s published by the Australian Banking Association (ABA). MyCard is brought to you by NAB, which is a long-standing member of the ABA and a subscriber to the Code.

Banking Code of Practice

Get in touch

Contact us

Explore our contact information and get support for all our products.

Give us feedback

Help us improve your banking experience. Give us your feedback or make a complaint.

Give us feedback

Quick links

Policies and terms

Connect with us

Biller code: 49502

Get the MyCard App

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MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB.

Source: https://www.mycard.com.au/help-and-support/important-information

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Credit Card Terms and Conditions and Other Important Information (PDF, 402KB)

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Important information

Find important information about our products and services including fees and charges, product disclosure statements, terms and conditions and our Financial Services Guide.

Help and support
Important information

Terms and conditions

Terms and conditions for our credit cards and other products:

Credit Card Terms and Conditions

Rewards Terms and Conditions

These terms and conditions apply to MyCard Premier, MyCard Premier Qantas, MyCard Rewards, MyCard Rewards Qantas.

MyCard Rewards Program and MyCard Qantas Rewards Program Terms and Conditions (PDF, 278KB)

Luxury Stay and Travel Benefit Terms and Conditions

These terms and conditions are only applicable to former MyCard Prestige and MyCard Prestige Qantas cardholders.

Luxury Stay and Travel Benefits (PDF, 134KB)

Complimentary Insurance Terms and Conditions

These terms and conditions apply to all cards except MyCard Ready Credit.

Prior to 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet – effective 26 November 2025 (PDF, 619KB)

From 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet (PDF, 564KB)

MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 220KB)

Digital Terms and Conditions

Click to Pay Terms and Conditions (PDF, 97KB)

Samsung Pay Terms and Conditions (PDF, 97KB)

Apple Pay Terms and Conditions (PDF, 97KB)

Google Pay Terms and Conditions (PDF, 102KB)

Mobile App and Online Terms of Use

MyCard Consumer Data Right Policy (PDF, 143KB)

Policies and guides

Nab Financial Services Guide

Useful forms

Here are some useful forms relating to our credit cards:

Change of Name form (PDF, 195KB)

Change in Date of Birth (PDF, 152KB)

Appointment of an Authorised Person (AP) Request Form (PDF, 166KB)

Appointment of a Power of Attorney (POA) Request Form (PDF, 223KB)

Autopay (Direct Debit) Form (PDF, 171KB)

Direct Debit (Autopay) Request and Service Agreement (PDF, 141KB)

Application for Financial Hardship Assistance (PDF, 601KB)

Closing NAB accounts and releasing funds for a Deceased Estate form (PDF, 1MB)

Request for Refund of Unclaimed Monies (PDF, 151KB)

Fees and charges

View our fees and charges for MyCard credit card products.

MyCard fees and charges

Target Market Determinations

Target Market Determination documents

Banking Code of Practice

Get in touch

Contact us

Explore our contact information and get support for all our products.

Give us feedback

Help us improve your banking experience. Give us your feedback or make a complaint.

Give us feedback

Quick links

Policies and terms

Connect with us

Biller code: 49502

Get the MyCard App

[Image: MyCard Brought to you by NAB]

MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB.

Source: https://www.mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards

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MyCard Credit Card fees and charges

A guide to our MyCard credit card fees and charges.

Help and support
Important information
MyCard Credit Card fees and charges

Credit Card Annual Fees

Credit Card	Annual fee (p.a.)	Additional cardholder fee (p.a.)
Credit CardMyCard Premier	Annual fee (p.a.)$300 p.a.	Additional cardholder fee (p.a.)$0 p.a.
Credit CardMyCard Premier Qantas	Annual fee (p.a.)$350 p.a.	Additional cardholder fee (p.a.)$0 p.a.
Credit CardMyCard Rewards	Annual fee (p.a.)$249 p.a.	Additional cardholder fee (p.a.)$90 p.a.
Credit CardMyCard Rewards Qantas	Annual fee (p.a.)$249 p.a.	Additional cardholder fee (p.a.)$90 p.a.
Credit CardMyCard Clear	Annual fee (p.a.)$149 p.a.	Additional cardholder fee (p.a.)$0 p.a.
Credit CardMyCard Simplicity	Annual fee (p.a.)$49 p.a.	Additional cardholder fee (p.a.)$0 p.a.
Credit CardMyCard Standard	Annual fee (p.a.)$55 p.a.	Additional cardholder fee (p.a.)$0 p.a.
Credit CardMyCard Ready Credit	Annual fee (p.a.)$0 p.a.	Additional cardholder fee (p.a.)$0 p.a.
Credit CardMyCard Repay	Annual fee (p.a.)$0 p.a.	Additional cardholder fee (p.a.)Not available for this product

Standard Credit Card Rates and Interest Free Days

This table details the maximum interest free days on purchases, and current interest rates on purchases and cash advances for all credit cards.

Credit Card	Interest free days	Variable Purchase rate (p.a.)	Variable Cash Advance rate (p.a.)
Credit CardMyCard Premier	Interest free days Up to 44 days	Variable Purchase rate (p.a.)22.49% p.a.	Variable Cash Advance rate (p.a.)22.99% p.a.
Credit CardMyCard Premier Qantas	Interest free days Up to 44 days	Variable Purchase rate (p.a.)22.49% p.a.	Variable Cash Advance rate (p.a.)22.99% p.a.
Credit CardMyCard Rewards	Interest free days Up to 44 days	Variable Purchase rate (p.a.)22.49% p.a.	Variable Cash Advance rate (p.a.)22.99% p.a.
Credit CardMyCard Rewards Qantas	Interest free days Up to 44 days	Variable Purchase rate (p.a.)22.49% p.a.	Variable Cash Advance rate (p.a.)22.99% p.a.
Credit CardMyCard Clear	Interest free days Up to 44 days	Variable Purchase rate (p.a.)14.99% p.a.	Variable Cash Advance rate (p.a.)22.24% p.a.
Credit CardMyCard Simplicity	Interest free days Up to 44 days	Variable Purchase rate (p.a.)22.49% p.a.	Variable Cash Advance rate (p.a.)22.99% p.a.
Credit CardMyCard Standard	Interest free days Not available for this product	Variable Purchase rate (p.a.)14.99% p.a.	Variable Cash Advance rate (p.a.)22.99% p.a.
Credit CardMyCard Ready Credit	Interest free days Not available for this product	Variable Purchase rate (p.a.)22.49% p.a.	Variable Cash Advance rate (p.a.)22.49% p.a.
Credit CardMyCard Repay	Interest free days Not available for this product	Variable Purchase rate (p.a.)15.99% p.a.	Variable Cash Advance rate (p.a.)15.99% p.a.

Other fees and charges

In addition to annual Credit Card fees, these are all of the other fees and charges that you could incur and when these fees are charged. Please note: there are ways to avoid these fees, which we’ve explained in the ‘how to avoid the fee’ section.

Fee type	Amount	When the fee is charged	How to avoid the fee
Fee typeLate Payment Fee	Amount $30	When the fee is chargedThe amount charged to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.	How to avoid the feeAlways pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Direct Debit (Autopay) to automate your payment.
Fee typeDomestic Cash Advance Fee (excluding MyCard Ready Credit and MyCard Repay)	Amount3.5% of the transaction amount. Minimum charge $3.50	When the fee is charged$3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. An ATM fee may also apply.	How to avoid the feeThis fee applies where cash or its equivalent is obtained including withdrawals from an ATM, the purchase of traveller's cheques, money order and wire transfers, as well as any gambling transaction or transaction to invest in shares or other financial products or related to cryptocurrency.
Fee typeInternational Cash Advance Fee	Amount3.5% of the transaction amount. Minimum charge $3.50	When the fee is charged$3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance outside Australia, debited to your Account on the date the Cash Advance tasks place. Please note, this is in addition to any International Transaction Fee that may be payable. An ATM fee may also apply.	How to avoid the feeThis fee applies where cash or its equivalent is obtained overseas including withdrawals from an ATM, the purchase of traveller’s cheques, the purchase of foreign currency and wire transfers.
Fee typePaper Statement Fee	Amount$2 per month ($0 for MyCard Simplicity and MyCard Standard)	When the fee is chargedCharged when we issue you a paper statement and debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances. You can request to switch to electronic statements.	How to avoid the feeSwitch to electronic statements.
Fee typeInternational Transaction Fee	Amount3.5% of transaction amount (on the AUD amount).	When the fee is chargedWhen you make a Retail Purchase or obtain a Cash Advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located outside Australia. An ATM fee may also apply.	How to avoid the feeThis fee applies only when you make a transaction with a merchant or its financial institution/payment processor that is located or registered outside Australia.
Fee typeOver-the-Counter Transaction Fee (Bank@PostTM)	Amount$2.50	When the fee is chargedCharged for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol.	How to avoid the feeThis fee applies only when you use Australia Post to make payments to your Account.
Fee typeBalance Transfer Fee	AmountThis varies based on the balance transfer offer you accepted.	When the fee is chargedCharged when your balance transfer is processed and added to the balance transfer amount.	How to avoid the feeN/A
Fee typeInstalment Fee	AmountThis varies based on the instalment plan offer you accepted.	When the fee is chargedCharged in the statement period in which you set up the instalment plan. The whole instalment fee forms part of the minimum payment due on that statement.	How to avoid the feeN/A

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MyCard branded credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/The MyCard Team means NAB.