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Credit cards are currently available to Macquarie home loan customers. Speak to a Macquarie home loan specialist or your broker to find out how to apply.

Credit cards

RateSaver credit card^

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Why Macquarie?

Low annual fee, high convenience

Macquarie’s basic credit card provides great value with low fees and rates, no international purchase fees2 and access to digital banking.

[Image: Graphic of Macquarie VISA Credit card - Rate Saver]

Macquarie's lowest annual fee and interest rate credit card.

Low annual fee

A low annual fee of only $69 means more money in your pocket.

Low interest rates

Low interest rate of 15.95% p.a. and up to 55 days interest free on purchases1.

Security and protection

Protection against unauthorised activity. Visa cardholders are protected by Visa's Zero Liability3 policy.
We provide advanced fraud protection with 24/7 online account monitoring.

No international purchase fees

We don’t charge international purchase fees when you shop overseas or with international online retailers2.
Receive the Visa foreign exchange rate, with no additional fees or charges.

More ways to pay

Add your Visa credit card to your mobile or wearable with Apple Pay and Google Pay.
Lost your card? No need to wait for your new card to arrive - continue using mobile payments in place of your lost, stolen or damaged card.

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Benefits

[Image: Home loan savings] Home loan savings
[Image: Added security] Added security
[Image: Budgeting and saving] Budgeting and saving
[Image: Track spending] Track spending
[Image: Travel assistance] Travel assistance

Home loan savings

Using your credit card and offset account

One way to make the most of your offset home loan is to use your accompanying credit card for your day-to-day purchases.
When you keep savings in your offset account and pay off your credit card balance in full before your interest free period ends, you could minimise both the amount of interest you pay on your home loan and the interest you pay on purchases.

Find out more

Added security

Protect your account and personal information

The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate.
It's a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity. There’s also an option to generate a unique one-time rolling code as an alternative authentication method.

Find out more

Budgeting and saving

Tools for budgeting and saving

Get to know your spending. Each time you make a transaction, it’s automatically categorised into a group such as groceries, travel, leisure or technology.
Create smart budgets for anything in an instant, then see how you're tracking at a glance and over time.

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Track spending

Transaction notifications

Get the added security of real time notifications – opt in on your device.
Whenever you make a transaction on your Macquarie credit or debit card, you’ll receive a push notification, so you know the correct transaction has been processed either instore or online.
For foreign currency transactions, the alert shows the spend amount in local currency and Australian dollars.

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Travel assistance

Digital tools for travelling

When you log into the Macquarie Mobile Banking app at your overseas destination, the Travel Mode feature will reflect your location and the local exchange rate.
You’ll also have quick access to our international support contact details.
Easily lock and unlock your card in the app if your card is lost or stolen.

Find out more

Rates and fees

Interest rates

Interest rates are variable and subject to change.

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Rate	Transaction type
15.95% p.a.	Interest rate charged on purchases
15.95% p.a.	Interest rate charged on cash advances

Up to 55 days interest free on purchases only applies if your account is paid in full by the due date shown each month (excluding any balance transfers and Interest Free Finance balances that are in the specified promotional period).

Account fees

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Fee type	Fee amount
Annual fee The annual fee is charged when you activate your card, then annually on the anniversary of the date we first issued your card.	$69
Cash advance fee Applies to each cash advance made on your account, debited to your account at the time of the cash advance.	$5 or 3% of the value of the transaction, whichever is the greater
International purchase fee Card purchases or transactions made or processed outside Australia. We don't charge fees for card purchases made or processed outside Australia but others, such as the banks of international merchants and foreign ATM operators, may charge fees for these transactions.	Free
Late payment fee Applies if all amounts due are not paid by the payment due date, debited to your account within five business days of the payment due date.	$20 per statement period

Card and transaction limits

Visit Help Centre to view and understand card and transaction limits.

Terms, conditions and documents

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Terms and conditions	Link
Balance transfers terms and conditions	View terms
Conditions of use booklet	Download PDF
Electronic Banking terms and conditions	View terms

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Documents	Link
Additional card holder form	Download PDF
Authorised representative request form	Download PDF
Credit guide	Download PDF
Credit Card Payment Plan form	Download PDF

How to apply

You can apply if you

You meet all of the below criteria:

are 18 years old or over
are a permanent resident of Australia
have a good credit rating
earn a minimum taxable income of $50,000 per annum, for a Macquarie Platinum or RateSaver card/ earn a minimum taxable income of $70,000 per annum, for a Macquarie Black card.

And you meet 1 of the below criteria:

are packaging a credit card with a new or existing home loan
are a Business Bank client

You'll need details of your

gross annual salary
monthly expenses
current employer (address and phone number)
accountant (if self-employed/retired), and
Australian driver's licence number (if you have one).

Next steps

Compare and find the best card for your needs.

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FAQs

Frequently asked questions

Can I increase or decrease my credit card limit?

Credit card limit increase

We don't offer the option to increase your credit limit

Credit card limit decrease

You can decrease your credit limit at any time by following the below steps:

On Macquarie Online Banking:

Hover over your credit card account
Select I want to
Select View account details in the menu drop-down
Select Decrease limit. This appears on the right of the screen next to Account summary.

On the Macquarie Mobile Banking app:

Click on your credit card account from the account list
Select the I want to button
Select View account details in the menu
Scroll down then select Credit limit decrease.

To find the minimum credit limit for a credit card, please check the key facts sheet at the time of your application.

What do I do if my credit card is expired or damaged?

If your card has or will soon expire:

Here’s what you need to know if your card has expired or will soon expire:

Your card will continue to work until the end of the expiry month.
In most instances, we’ll send you a new card 2 to 4 weeks before your existing one is about to expire. Your new card will be sent to the address you have registered with us.
If you need to receive your new card two months before your card will expire, you can complete the Card Replacement Request form or get in touch with a Macquarie consultant using live chat to request a new debit or credit card to be issued to you sooner.
If you haven’t received your new card in the second week of the expiry month, please verify your contact information and request a replacement card online.
If you're unable to order a replacement card online, simply follow the instructions in What happens if I can't order a new or replacement card online?
Once you receive and activate your new card, you’ll also need to update any direct debits with your new card details.
If your old card had been added to your mobile wallet, you won’t need to do this again when your new card arrives. Your new card will automatically be added to Apple or Google Pay, and you can start using it straight away without waiting for your new card to arrive in the mail.

If your card is damaged:

To order a new or replacement card in Macquarie Online Banking:

Select your account from the account list
Select I want to
Select Manage card
Select Replace card
Select the reason why you require a replacement card
Enter a date if your card is lost or stolen
Confirm the address for the replacement card to be sent to
Select Request card.

To order a new or replacement card in the Macquarie Mobile Banking app:

Select your account from the account list
Select I want to
Select Manage card
Select Replace card
Select the reason why you require a replacement card
Enter a date if your card is lost or stolen
Confirm the address for the replacement card to be sent to
Select Request card.

You can expect to receive your replacement card within 5 to 10 business days from the date of your request.

Are there fees when I use my Macquarie cards overseas?

Macquarie credit cards offer $0 Macquarie international transaction fees on overseas purchases, both in-store and online.

However, additional fees and charges may apply at ATMs and for over-the-counter transactions.

For tips for using your Macquarie cards overseas to help save on fees and charges, refer to our help centre article.

When will I receive a credit card statement?

Statements will be available online monthly, at the end of each billing cycle.

If your statement hasn’t arrived, please get in touch with a Macquarie consultant using live chat.

How do I close my account?

How do I close my credit card account?

If you decide that the Macquarie credit card is no longer right for you, please follow the steps below to close your account via Macquarie Online or Macquarie Mobile Banking.

Please note in order to do this, the following conditions apply:

You must have paid off your balance in full prior to closing your account
Your participation in the Macquarie Reward Program will be automatically cancelled and you’ll forfeit all Macquarie Reward Points you haven’t redeemed.

To close your credit card in Macquarie Online Banking

Hover over your credit card account in the account list
Select I want to
Select Close Account. This appears on the right of the screen next to Account Summary.

To close your credit card in the Macquarie Mobile Banking app

Select your credit card account
Select the I want to button
Scroll down and select Account closure.

Unable to close your account?

If you are unable to close your account via Macquarie Online or Macquarie Mobile Banking, you can get in touch with us via live chat.

For more help and support topics, visit Macquarie Help Centre

[Image: Closeup shot of a woman paying using NFC technology on her phone at a payment terminal EFTPOS in a cafe] Credit card FAQs: international transaction fees [Image: Close-up of unrecognisable customer choosing contactless payment using credit card while wait staff accepts payment over nfc tap pay pass technology] Credit card FAQs: Interest rates and fees

Support for customers

Online banking

Help and support

Quickly search and find the answer to common questions.

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Additional information

This information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.

Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Pay, Google Chrome and the Google Logo are trademarks of Google LLC.

Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply.

Applicable only if your account is paid in full by the due date shown each month (excluding any Interest Free Finance balances that are in the specified promotional period). Interest rates are variable and subject to change.

We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult Macquarie for additional details.

The Macquarie RateSaver Card is not available in a Home Loan Package.

Except for Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 (MBL), any Macquarie entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of MBL. Any investments are subject to investment risk including possible delays in repayment and loss of income and principal invested. MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

Source: https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf

Macquarie Credit Cards Conditions of Use & Information Statement Effective on 4 December 202 5 Important note: these Conditions of Use do not contain all the pre-contractual information we are required by law to give you before the agreement is made. Further terms and information are in the Financial Table

1 Contents Conditions Of Use 2 Part A – The Account 2 Part B – Meaning of key words 3 Part C – Credit Limit 7 Part D – Cards and Additional Cardholders 9 Part E – Statements, charges and payments 14 Part F – Changes to these conditions 20 Part G – Security requirements 23 Part H – Breach of these Conditions of Use 30 Part I – Account suspension, Account closure and Card cancellation 32 Part J – Errors, disputes and complaints 36 Part K – Electronic Banking 38 Part L – BPAY ® scheme 39 Part M – General information 39 Information Statement 43 Important Information These Conditions of Use contain important information in relation to your Account and you should read them carefully. Emergency phone numbers are on the last page. The meaning of capitalised words (e.g. Credit Limit) and some other key words are explained in Part B. TO ACTIVATE YOUR CARD, PLEASE LOGIN TO ONLINE OR MOBILE BANKING. IF YOU NEED ASSISTANCE, CALL US USING THE NUMBER ON THE LAST PAGE OF THESE CONDITIONS OF USE. IF YOU DO NOT AGREE WITH THESE CONDITIONS OF USE, DO NOT ACTIVATE YOUR CARD, OR ALLOW AN ADDITIONAL CARDHOLDER TO ACTIVATE THEIR CARD, OR AUTHORISE A TRANSACTION ON THE ACCOUNT.

2 Conditions Of Use Part A – The Account

Agreeing to these conditions The first time you activate a Card or authorise a Transaction on the Account, you will automatically be agreeing to these Conditions of Use and the Financial Table. These Conditions of Use then apply to all Transactions on the Account. If you do not agree with these conditions, do not activate your card, carry out any Transaction or permit an Additional Cardholder to activate their card or carry out any Transaction – instead cut the Card into pieces for your protection, ensuring that you cut across the magnetic strip and Chip on the Card. Your Card must be activated prior to any Additional Cardholders activating their Card. If you do not activate your Card within 90 days of approval, we may: • ask you for further information to confirm that your personal and financial situation has not changed before allowing you to activate your Card; or • cancel your Account.
Authority If there are Additional Cardholders, you agree that each person may use the Account and have access to Account information without your or any other Additional Cardholder’s consent.
Change of personal details You must promptly tell us if you change any of your contact details including your name, phone numbers, residential address, mailing address, and/or email address. You can update your details using Online Banking. You acknowledge that we rely on this information being kept up- to-date and complete.
Opening the Account To open the Account you must: • be 18 years old or over • be a permanent Australian resident • have an Australian address and mobile number and a valid email address, and • give us the identification documents and information we require.

3 5. Accessing your Account When you open the Account, you (and your Additional Cardholders, if any) will be sent a Macquarie ID and you (and any Additional Cardholder(s)) will need to select a Password and PIN. You may also need to set up other Access Methods – for example a device code, fingerprint or other biometric authentication for using Electronic Banking. You use this information when you operate the Account using an ATM or Electronic Banking. For security reasons, we can refuse to allow you access to the Account if you cannot supply your Passcode(s) or other Access Method. If your Passcode(s) becomes known to someone else, or the security of your Card, Card Details, computer, Device or other Access Method is compromised (or you suspect one or more of these things may have happened) you must tell us as soon as you become aware by calling us on the telephone number listed on the last page of these Conditions of Use. 6. Unauthorised use If your Card is lost or stolen, you suspect any unauthorised use of your Card or that the security of your Card Details, computer, Device, Passcode(s) or other Access Method(s) has been breached you must contact us as soon as you become aware using the telephone number listed on the last page of these Conditions of Use. Your liability for unauthorised Transactions is set out in condition 28. Part B – Meaning of key words 7. Key words Key words are defined in this condition 7 and the Financial Table. Access Method means a method authorised by us to access and transact on your Account using Electronic Banking and any digital wallet and includes any one or more of a Macquarie ID, Passcode and any other code that we provide to you and Additional Cardholder(s) or permit you or an Additional Cardholder to set up from time to time. This may also include a fingerprint or other biometric authentication we allow you to use to access Electronic Banking and any digital wallet from time to time. Account means your card account shown in the Financial Table. Additional Cardholder means any person to whom a Card has been issued at your request.

4 Annual Percentage Rate means a per annum rate of interest. ATM means an automatic teller machine owned by another financial institution. Balance Owing On The Account means at any time, the difference between all amounts credited and all amounts debited to your Account under this agreement at that time. When this amount is to be calculated for the end of a day, it includes all debits and credits assigned to that day. Biller means an organisation which tells you that you can make payments to them through the BPAY scheme. Biometric Data means fingerprint, facial recognition or other biometric information which is used as an authentication method to access a Device, Electronic Banking or to authenticate transactions. BPAY™ means the electronic payments scheme operated by BPAY Pty Ltd through which you can ask us to make payments on your behalf to billers who tell you that you can make payments to them through the BPAY scheme. BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518. Business Day means any day on which banks in Melbourne and Sydney can effect settlement through the Reserve Bank of Australia. Card means any Card (including a digital card or token) issued by us (or, in the case of a digital card or token, issued by a third party directed by us) to you or another person at your request for use, or which can be used, on the Account. Card Details means the information printed on your Card including the Card number, expiry date and Card Verification Value (CVV - the three digits shown on the back of your card). Cardholder means a person in whose name a Card has been issued by us. Cash Advance means a Transaction on your Account which involves you or an Additional Cardholder obtaining cash using a Card. This includes obtaining cash using a Card when there is a credit balance in your Account. Chip means the electronic microchip embedded in a Card used as an additional security and information storing device. Closing Balance means the amount shown on a Statement as the Closing Balance for that Statement, and is the amount you owe us under this agreement on the closing date for the Statement Period. Credit Limit means your Credit Limit shown in the Financial Table, as varied from time to time by agreement or as authorised by these Conditions of Use.

5 Daily Percentage Rate means the applicable Annual Percentage Rate divided by 365. Device means any computer, mobile phone, tablet, watch or other electronic device through which you can make payments, create digital wallets, create digital or tokenized Cards, or otherwise access Electronic Banking. Electronic Banking means either or both of Online Banking and Mobile Banking, as relevant. Financial Table means the Financial Table document which outlines further key details of your contract with us. We will send you your Financial Table at account opening. The Financial Table (as amended from time to time) forms part of this agreement. Inactive means no purchase or cash advance transaction has been made using the Card or Card Details in over 13 months by you or the Additional Cardholder(s). Interest Free Finance means a Special Promotion identified by us to you as “interest free”. It does not include a balance transfer offer where the promotional balance transfer rate is zero percent for a specified period. International Transaction means any Transaction made using a Card: a. in a currency other than Australian dollars with a merchant or financial institution located in Australia, b. in Australian dollars or any other currency with a merchant or financial institution located outside Australia, or c. in Australian dollars or any other currency where the entity that processes the Transaction is located outside Australia. It may not always be clear to you when making a Purchase that the merchant or the entity processing your Transaction is located outside Australia. Live Balance means the amount shown on Electronic Banking as the ‘Balance’. At any time, this amount is the difference between (1) all payments credited to your Account plus pending payments (excluding pending payments made using Australia Post and by cheque where permitted) and (2) all amounts debited from your Account under this agreement. Pending payments are any payments made to your Account that have not yet been processed. Macquarie ID means the unique code allocated to you by us which identifies you and, when used in conjunction with a Passcode, provides access to Electronic Banking. Macquarie Group means Macquarie Group Limited ABN 94 122 169 279, its related bodies corporate and its

6 successors and assigns. Minimum Payment Due means the amount as described in the Financial Table. Mobile Banking means Macquarie’s secure mobile banking service that allows you and any Additional Cardholders to access certain banking services through a smartphone application on compatible Devices. Online Banking means Macquarie’s secure online banking service that enables you and any Additional Cardholders to access and / or transact on your Account over the internet. Passcode means any passcode or code that we require you or an Additional Cardholder to keep secret that may be required to authenticate you, the Additional Cardholder, or a Transaction, including in relation to any Access Method. This includes any usernames, login credentials, Macquarie IDs, Passwords, PINs, TPINs, SMS Codes and Rolling Codes. Password means a security password which is issued by us, or selected by you, which enables access to Electronic Banking. Payment Due Date means the date stated on your Statement by which the Minimum Payment Due must be paid. Similarly, if you wish to make a Payment to Receive Interest Free Period, this amount must be paid by the Payment Due Date. Payment to Receive Interest Free Period means the Closing Balance less any Interest Free Finance and / or balance transfer balances that are in the specified promotional term or period, for the previous Statement Period. PIN means the personal identification number for use with a Card. Promotional Rate means the Annual Percentage Rate that applies to Special Promotions as stated in the Financial Table or otherwise notified to you. Purchase means each amount: a. charged by the supplier for the supply of any goods or services purchased by the use of a Card (including a BPAY Transaction), except for amounts which are Cash Advances and Special Promotions, or b. treated by us as a Purchase under condition 12. Special Promotion means, during any specified term or period, any Transaction or promotional offer we identify as a special promotion Statement means a statement of account that relates to your Card.

7 Statement Period means the period specified on a Statement as the statement period and is the period to which the Statement relates. Terminal means any electronic device facilitating Transactions on the Account at the point of sale. Terminal includes ATMs, and Visa payWave secure readers and other point of sale facilities. Transaction means any transaction authorised by the use of a Card, Card Details, Electronic Banking or any other means we authorise from time to time. A Transaction includes but is not limited to a Purchase, Cash Advance or Special Promotion. Visa payWave is a contactless method of authorising Purchases by waving a Card in front of a secure Visa payWave reader at a merchant, without having to sign or enter a PIN or Password. we, us or Macquarie means Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502 and its successors and assigns. you means the person or persons named in the Financial Table as the customer. You does not include an Additional Cardholder. If there are two of you, you means each of them separately and both of them jointly. You includes your successors. The singular includes the plural and vice versa. A reference to: • any thing includes the whole and each part of it • including means including without limitation, and • a document includes any variation or replacement of it. Part C – Credit Limit 8. Your Credit Limit 8.1 Your Credit Limit is shown in the Financial Table and may be varied from time to time in accordance with condition 9. You should tell any Additional Cardholder(s) about your Credit Limit. Limits for non-Purchase Transactions such as Cash Advances or balance transfers may be different to your Credit Limit. Details of these limits appear in the Financial Table, as varied from time to time in accordance with these Conditions of Use. 8.2 In certain circumstances, we may permit you to temporarily exceed (that is, allow the Balance Owing On The Account to be higher than) your Credit Limit.

8 8.3 The following Transactions may cause your Credit Limit to be exceeded: • Transactions or authorisations that are conducted offline, or • any accrued interest, charges and fees that are applied to your Account in accordance with these Conditions of Use. 8.4 You are responsible if your Credit Limit is exceeded. If, at any time, your Credit Limit has been exceeded (that is, the Balance Owing On The Account is more than the Credit Limit), you: • must immediately repay us the amount by which your Credit Limit has been exceeded. The payments are in addition to your normal repayment obligations set out in condition 15. 9. Changing your Credit Limit 9.1 You may request us to decrease your Credit Limit. We need not, however, agree to decrease your Credit Limit to an amount less than: • the minimum Credit Limit listed in the Financial Table, or • the current Balance Owing On The Account (you will need to reduce the Balance Owing On The Account to below your desired Credit Limit before we can action your request). If we agree to decrease your Credit Limit based on your request, we will tell you the new Credit Limit in writing, which may be on your Statement. 9.2 We may, acting reasonably, reduce your Credit Limit or stop providing you further credit (on either a temporary or permanent basis) in the following circumstances: a. It comes to our attention that you are in default of another credit contract held with us b. It comes to our attention that you are in default of a credit contract with another credit provider c. We reasonably believe that you are using your Account in a way that may cause loss to you or us d. You (or an Additional Cardholder) are in breach, or we reasonably suspect you (or an Additional Cardholder) are in breach, of these Conditions of Use in a manner we reasonably consider involves a material risk to us or is materially adverse to us e. You are not making the Minimum Payments Due f. You are not paying any other money due to us in relation to your Card, or

9 g. Anything else happens which we reasonably consider warrants us reducing the Credit Limit or ceasing to provide further credit to mitigate a material risk to you or us or is materially adverse to us. If we reduce the Credit Limit or stop providing further credit, we will tell you in writing. If you ask us to review our decision, we may, acting reasonably, require you to produce further information, for the purposes of our review. Part D – Cards and Additional Cardholders 10. Cards 10.1 You must sign a physical Card issued to you as soon as you receive it. You must ensure that any Additional Cardholder signs their physical Card too. A physical Card is not valid unless it shows a Cardholder’s signature. Each Card is for the sole use of the person named on it. 10.2 There is an expiry date on each physical Card. The relevant Cardholder will be unable to use a physical Card after that date. We may issue each Cardholder with a new physical Card with a later expiry date before the original physical Card expires unless you ask us not to do so. 10.3 Each Card remains our property. We may issue replacement Cards to you and any Additional Cardholder at any time. All Cards are subject to these Conditions of Use and any subsequent terms and conditions that may be issued in respect of the Account. 10.4 Cardholders must keep their Card in a safe place at all times. Do not leave it where anyone can see it or take it. If a Cardholder does not use their Card regularly, the Cardholder must still check that the Card is secure. 10.5 Transactions made with the Card using electronic equipment may be limited to minimum and maximum amounts in any specified period. These limits may vary between different types of equipment. Visa payWave Transaction limits may apply independently to limits on your Card and each Card held by any Additional Cardholders and vary depending on the country in which the merchant is located and the types of goods and services the merchant sells. To find out the current Transaction limits, please contact us.

10 10.6 A Card must not be used: • by any person other than the Cardholder to whom it was issued • after the expiry date on the physical Card • when the Card is suspended or cancelled • after you have requested that we close your Account or we have notified you that we will be closing • your Account in accordance with Part I of these Conditions of Use • to conduct Transactions for business purposes • to conduct unlawful Transactions, or Transactions related to unlawful (or potentially unlawful) activities (as determined at our reasonable discretion), or • to conduct Transactions with parties related to you, including Purchases or Cash Advances at merchants, ATMs or other facilities owned, controlled or operated by you, your family members or friends or for any other cash flow or other non-genuine purpose. See conditions 27-28 for more information about looking after Cards and PINs, and for when you will be liable for their misuse. 11. Additional cards 11.1 You may nominate one or more people who are 16 years or older to be Additional Cardholders. Additional Cardholders are your agents to operate on the Account. If approved, we will issue Additional Cardholders with a Card linked to the Account and provide access to Electronic Banking. You should ensure that any Additional Cardholder has read and complies with these Conditions of Use. If your Additional Cardholder does not comply with them, you will be held to be in breach of these Conditions of Use and will be responsible for the consequences of that breach. 11.2 You consent to us giving an Additional Cardholder information about the Account. We may at our discretion seek your confirmation before processing certain Additional Cardholder requests and / or Transactions.

11 11.3 All Transactions made using an Additional Card are charged to your Account. You are liable to pay for (or to repay) any credit provided to, or losses incurred by, any Additional Cardholder in relation to your card. You are responsible for paying for all these Transactions (and any resulting fees, charges and / or interest) as if you had used the Card yourself. 11.4 You must notify us if you want to cancel an Additional Card or stop an Additional Card from being used. Until you notify us, you remain liable for unauthorised Transactions (subject to condition 28). 12. Using the Card 12.1 Using the Card to obtain goods and services at a merchant Cardholders can use the Card to obtain goods and services at participating merchants (such as shops, restaurants and theatres). We are not responsible if a merchant refuses to accept the Card, or places other limitations on using the Card. We have no control over the hours a merchant may be open for business. The hours during which a Terminal will be available may therefore vary in accordance with the merchant’s opening hours. Cardholders must check that the correct amount is entered in a Terminal or written in the “total” box on a voucher before they authorise the Transaction or sign the voucher. Through mail order, the internet and telephone Cardholders can use a Card to obtain goods and services by mail order, over the internet and by telephone where the merchant accepts that form of payment. Some Transactions need authorisation from us. Acting reasonably, we may choose not to authorise a proposed Transaction including in circumstances where: • we consider it is reasonably necessary to protect you or us against losses, • we suspect fraudulent Transactions, or, • you are in breach of these Conditions of Use, and we reasonably consider the breach involves a material risk to us or is materially adverse to us.

12 Using Visa payWave You can use Visa payWave to authorise Purchases within Visa payWave Transaction limits at participating merchants. You can also use your Visa payWave Card as a Chip or magnetic stripe Card. Before authorising payment for Visa payWave Transactions, you must check that the correct amount of your Purchase is displayed on the Terminal or on the shop register. Although no PIN or Password is required for a Visa payWave Transaction, a Visa payWave secure reader will be treated as a Terminal and you have the benefit of condition 28 in respect of Visa payWave Transactions. Subject to condition 28, Transactions authorised by Visa payWave are treated as authorised and debited to your Account. Goods and services We are not responsible for the provision or quality of goods or services purchased using a Card, unless the law makes us liable. Therefore, if you have any complaints about goods or services, you must take them up with the merchant or ask us about your chargeback rights as outlined in condition 36. 12.2 Cash Advances Subject to our reasonable discretion, condition 8, the Financial Table and the remainder of this condition 12.2, Cardholders may use their Cards to obtain Cash Advances. A Cash Advance Fee, as set out in the Financial Table, may be payable. In certain circumstances, we may block or limit a Cardholder’s ability to obtain Cash Advances – see Part I for further information. ATMs Cardholders can use their Card in combination with their PIN to obtain cash up to the cash limit (subject to the Credit Limit) from an ATM that accepts the Card. Your cash limit is shown in your Financial Table and may be varied by us from time to time, in accordance with condition 26. An ATM provider may charge you a fee at the ATM for using this service. At ATMs in Australia, the amount of the fee will be disclosed to you at the time of the Transaction. We do not warrant that ATMs will always have money available. There are limits on the amount of cash you can obtain from an ATM in Australia on any one day. Some ATMs have a lower transaction limit than your cash limit. This means that you may have to make two or more withdrawals to reach your cash limit (and two or more Cash Advance Fees may be payable).

13 The limits for any Cash Advance by using your Card in an ATM overseas on any one day may vary from place to place and the other financial institutions may charge you a fee. The types of transactions available at ATMs provided by another institution depend on that institution. Using Visa payWave You cannot use Visa payWave to authorise Cash Advances. Over the counter Cash Advances at other financial institutions You may also be able to obtain a Cash Advance on the Account by presenting your Card at a branch counter of other financial institutions that accept your Card. Some other financial institutions may charge you a fee for doing so (in addition to any Cash Advance Fee that may apply). The minimum and maximum amount for a Cash Advance from any other financial institution or from an institution outside Australia is determined by that institution and may vary from one to another. Other financial institutions may require other identification which identifies the holder of the Card (such as a photographic driver’s licence or a passport) as well as your Card before giving you a Cash Advance. 12.3 Recurring payment A direct entry debit occurs when you give your Card Details to a merchant and they debit your Account using those details. This may happen on a recurring basis (in which case, it is referred to as a recurring payment). Any credit obtained by a direct entry debit is treated as a Purchase. If you wish to cancel or make alternate payment arrangements for a recurring payment, it is advisable for you to contact the merchant or third party directly. You should be aware that providing authorisation to a merchant to transact on your Account for an unspecified amount can result in your Account being charged non- standard, unexpected and possibly large amounts by that merchant. You should therefore exercise caution when providing authorisation to any merchant to debit your Account. If a Card is cancelled, access to your Account is cancelled or your Account number changes (for instance, if your Account is closed or a Card is lost, stolen or used without a Cardholder’s authority), you must cancel any recurring direct entry debit authorities authorised to be made to your Account by contacting the merchant or notifying the merchant of any new Card Details.

14 If you fail to provide alternative payment details to the merchant, we may stop processing the Transactions, which may cause the merchant to stop providing the goods or services. If you don’t cancel any recurring payments that you no longer wish to make, we may continue to treat the payments as authorised and you will be liable to repay those amounts in accordance with condition 18. 12.4 Special Promotions We may provide a Special Promotion on your Account from time to time on such terms and conditions as we determine, including the Transactions eligible for the Special Promotion, the Annual Percentage Rate and any applicable fees or charges. Each Special Promotion will be subject to those terms and conditions as well as these Conditions of Use and your Financial Table (where relevant). Use of a Card or your Account to conduct a Transaction in accordance with a Special Promotion will constitute your acceptance of the terms and conditions of that Special Promotion. The Special Promotion will be shown on your next Statement, and this Statement will be taken to be notice to you of the change in the terms of your Account as it relates to the Special Promotion. 12.5 Using the Card – Additional Cardholders Each Additional Cardholder may use their Card on the same terms as those which apply to you under this condition 12 (see condition 11 which explains your liability for those Transactions). 13. Using a Terminal When a Cardholder uses a Card and PIN at a Terminal, you authorise us to act on the instructions entered into the Terminal. A Card may be retained in a Terminal if a Cardholder incorrectly enters their PIN three consecutive times. You are responsible for the funds that you or your Additional Cardholder withdraw from an ATM. Part E – Statements, charges and payments 14. Statements We will send you a monthly Statement for the Account, except in circumstances where the law and / or a code of conduct to which we subscribe does not require us to send a Statement.

15 All amounts requiring payment are shown on the Statement in Australian dollars. You should check the entries on your Statement carefully and promptly report any error or unauthorised Transaction to us as soon as you become aware of it. We cannot send Statements to an overseas postal address. If you are overseas temporarily, you may wish to request notifications that your Statements are available electronically for this period. If you do so, you will not receive paper Statements for this period (see condition 42 for more information). If you have moved permanently overseas or are overseas for a period of more than 2 years, we may close your Account (see condition 32 for more information). 15. Payments You are responsible for paying the closing Balance Owing On The Account shown on a Statement but you need not pay the entire Closing Balance each month. However, you must pay the Minimum Payment Due for each Statement by the Payment Due Date shown on the Statement. Any overdue or overlimit amounts are payable immediately. We need not ask you for those amounts first. You may pay more or all of the Closing Balance outstanding if you wish. If you do not make a Minimum Payment Due by the Payment Due Date or pay any overdue or overlimit amounts, you may incur a Late Payment Fee. What happens if you don’t pay The consequences of not paying all amounts that you owe us under these Conditions of Use are set out in condition 29. 16. Transactions We may assign any date we reasonably consider appropriate to a debit or credit to the Account (except that, in the case of a debit, the date must not be earlier than the date on which the relevant Transaction occurs). However, we credit payments to the Account as soon as practicable after we receive them. This is not necessarily the same day that you pay. Although the Live Balance figure (visible on Electronic Banking as ‘Balance’) includes certain pending payments to your Account, this does not mean these payments are reflected in the Balance Owing on the Account or the Closing Balance. Payments will be reflected in the Balance Owing on the Account and the Closing Balance once they are recorded as a credit to your Account.

16 The timing of when a payment appears in your Live Balance may vary depending on the payment method and timing of the payment. For example: • a payment from a Macquarie Transaction Account will appear instantly in your Live Balance • a payment received using BPAY will appear in your Live Balance depending on when we receive the payment from BPAY , which may take up to two Business Days • payments received using Australia Post may take up to 3 Business Days to appear in your Live Balance. We may subsequently adjust debits and credits to the Account and the Balance Owing On The Account so as to accurately reflect the legal obligations of you and us (for example, because of an error or because a cheque is dishonoured). If we do this, we may make consequential changes (including to the interest charges and fees). 17. How International Transactions are treated International Transactions made in a foreign currency are converted from the currency of the Transaction to the Australian dollar equivalent as at the date they are processed. All International Transactions are listed on your Statement in Australian dollars and, where applicable, the foreign currency of the Transaction. You may be charged an International Transaction Fee for International Transactions, the details of which are outlined in the Financial Table or have otherwise been notified to you in accordance with condition 21. Other parties to an International Transaction (for example a foreign merchant or a foreign ATM provider) may also charge you a fee. 18. Your obligation to repay all amounts Subject to condition 15, you must pay us for all amounts debited to the Account. These include: a. all Transactions b. interest charges, and c. any of our other fees and charges as shown in the Financial Table or in condition 21. Your liability for unauthorised use of a Card is set out in condition 28. If you exceed your Credit Limit, you are immediately liable to repay the overlimit amount.

17 19. Annual Percentage Rate The Annual Percentage Rate which applies to your Account is shown in the Financial Table or as advised from time to time. A different rate may apply to different types of Transactions, for example a higher Annual Percentage Rate may apply to Cash Advances. We may change any Annual Percentage Rate at any time (except in relation to a Promotional Rate that is fixed for a specified period). We will act reasonably in changing any Annual Percentage Rate. The new Annual Percentage Rate applies from the date we specify in the notice or statement we provide under condition 26. For details of current interest rates, you can refer to your Statement, check our website or contact us. 20. Interest charges 20.1 Subject to condition 20.2, an interest charge is payable by you on each amount of credit provided under your Account. The interest charge will be debited to your Account at the end of each Statement Period and is the sum of the monthly interest charges for each different balance type. The monthly interest charge for a balance type is the sum of the daily unpaid balances on your Account for that balance type multiplied by the applicable Daily Percentage Rate, for each day in the Statement Period. The daily unpaid balance for a balance type is the sum of the unpaid Transactions for that balance type (from and including the dates assigned to the Transactions) plus applicable fees and charges and interest. Interest charges become part of the relevant daily unpaid balance for a balance type on the day they are debited to your Account, but after interest charges are calculated for that day. The interest charges will be calculated up to and including the day on which they are debited. 20.2 Interest Free Period If an Interest Free Period is available for your Account, the details will appear in your Financial Table. There is no Interest Free Period with respect to Cash Advances. Certain Special Promotions may also affect the operation of an Interest Free Period. If this is the case, the terms and conditions for the Special Promotion may provide further information.

18 No interest will be charged on a Purchase if the Payment to Receive Interest Free Period for the last Statement before the purchase was made was paid in full by the Payment Due Date shown on that Statement (or the Closing Balance on that Statement was nil or the Account had a credit balance). If the Payment to Receive Interest Free Period for the previous Statement was not paid in full by its Payment Due Date, interest will be charged on unpaid Purchases (excluding Interest Free Finance amounts) and fees as well as new Purchases (excluding Interest Free Finance amounts) and fees from the day following the Payment Due Date on that Statement and will be shown on your next Statement. To be eligible for an Interest Free Period again, you must pay the Payment to Receive Interest Free Period for your next Statement by the Payment Due Date on that Statement (unless the Closing Balance on that Statement was nil or your Account had a credit balance). The Interest Free Period will then apply to Purchases (excluding Interest Free Finance amounts) made on and from the day that you made that payment. 20.3 Credit balances We do not pay interest on any credit balance in the Account. 20.4 Understanding interest We recommend you read the “Understanding Interest” guide, available on our website, for more information on how interest and Interest Free Periods work. 21. Fees and other charges 21.1 We may charge the fees and charges shown in the Financial Table and any changed or new fees or charges notified to you in accordance with condition 26. We will act reasonably in changing existing fees or charges or introducing new fees or charges. 21.2 You must also pay an amount equal to any government charges and duties on receipts or withdrawals under this agreement or duties charged relating to the use of a Card or to Transactions on your Account or both, in each case calculated in accordance with the relevant legislation. These are payable when they are charged to your Account. 21.3 Details of our current fees and charges are available on our website or by contacting us.

19 22. Refunds A refund will not be treated as a payment to the Account. 23. How to pay You can make payments: a. by using Electronic Banking to make a BPAY payment from your other Macquarie accounts (where available) or from your account with another institution by using that institution’s internet banking facilities b. by authorising a direct debit from other banks, and c. by other methods we make available as set out on your Statement and our website. It is not possible to make repayments in foreign currency or in person overseas. However, if you are overseas when a payment is due, you must still ensure that any Minimum Payment Due is made using the applicable payment options available to you. If you are late making a payment you may incur a Late Payment Fee. 24. What happens to payments we receive? Payments are applied to amounts shown on your last Statement, first to the part of balances to which the highest Annual Percentage Rate applies, then to the part of balances to which the next highest Annual Percentage Rate applies and will continue to be applied to balances in descending order of applicable Annual Percentage Rate. We calculate interest separately on each balance type. Balance types may include, without limitation: • Purchases • Cash Advances • Special Promotions (if applicable) • balance transfers (if applicable); and • Interest Free Finance amounts. Within each balance type, payments will be applied in the following order: interest, fees, principal balance and insurance premiums (if applicable). Where your payments have already been allocated to all amounts shown on your last Statement or if your last Statement did not have a balance, any payments are applied to balances that have not appeared on your Statement in descending order of applicable Annual Percentage Rate. Where a payment has been credited and is subsequently reversed, we will debit the payment to your Account. We may reverse the application of the original payment and will treat the payment reversal as a Purchase.

20 25. Credit balances If your Account has a credit balance of greater than $10,000, we may refund you that amount by making an electronic transfer to your nominated account or by other means for the amount of the credit balance (excluding uncleared funds). Part F – Changes to these conditions 26. Changes 26.1 What we can change Acting reasonably, we can change any term of these conditions (such as introduce new terms, or change or delete any existing term): a. that deals with the pricing of your Account, such as your interest rate, fees and charges, and repayments b. that deals with the day you make repayments or we debit interest to your Account c. that deals with how interest is calculated on your account d. that deals with how you are able to transact on your account and any limits placed on particular transaction types e. to accommodate a change in law or market practice f. to accommodate a change in technology or other ways of communication g. to accommodate a change in payment methods h. to accommodate a change in how we make disclosures to customers or present our Conditions of Use or Financial Table i. to deal with any unforeseen event that may arise, or j. to make any other change.

21 26.2 Notification of Changes Unless condition 26.3 or 26.4 applies, we will notify you of changes to these Conditions of Use in accordance with the following table: Type of change Time frame Method of notice Change in the Annual Percentage Rate On or before the day the change takes effect • In writing • Electronically (subject to condition 42), or • By advertising the change in a newspaper circulating through your State or Territory • If we notify you of a change by advertisement, we will also give you particulars of the change with your next Statement after the change takes effect Introduction of a new fee or charge, increasing the amount of any existing credit fee or charge or changing the frequency or time for payment of a credit fee or charge Not less than 30 days notice before the change takes effect Decreasing or removing a fee By the first time you receive a Statement after the change Government charges As soon as practicable, unless the change has been publicised by the Government, government agency or representative body A change in the method of calculating or applying interest Not less than 30 days notice before the change takes effect if the change increases your obligations. Otherwise in accordance with condition 26.4. Impose, remove or adjust a daily or other periodical Transaction limit or a change that increases your liability for losses relating to electronic Transactions Not less than 30 days notice before the change takes effect Change to any other condition Not less than 30 days before the change takes effect if the change is unfavourable to you Otherwise, in accordance with condition 26.4

22 26.3 Changes which are unfavourable to you We may give you less than 30 days notice of an unfavourable change to these Conditions of Use if: a. it is reasonable for us to do so to manage a material and immediate risk; or b. there is a change to, or introduction of, a government charge that you pay directly or indirectly in connection with your Card or Account, but we will comply with any minimum notice period prescribed by the National Credit Code. If we give you less than 30 days notice of an unfavourable change to these Conditions of Use because there is a change to, or introduction of, a government charge that you pay in connection with your Card or Account, we will notify you of this change reasonably promptly after the government notifies us of the change (unless the government publicises this change). 26.4 Changes which are not unfavourable to you If we make a change to your Card which is not unfavourable to you (e.g. the change reduces your obligations, or extends the time for payment), we will notify you of the change before the change takes effect or when we provide your next statement of account (which may be after the change takes effect). We do not have to provide you with advance notice of a change if the change is required to immediately restore or maintain the security of a system, your Card or Account, including the prevention of systemic or individual criminal activity, including fraud. 26.5 If you are not satisfied with a change in these Conditions of Use If you are not satisfied with any change or variation to these Conditions of Use you may terminate your Account with us. We will not charge you a termination or account closing fee, however termination of your Account will be subject to all outstanding obligations under these Conditions of Use being duly discharged.

23 Part G – Security requirements 27. Security requirements 27.1 The security of each Cardholder’s Card, Card Details, Device and Passcode(s) is very important, as whoever has access to them may be able to perform Transactions on the Account. These requirements are designed to help Cardholders keep their Card, Card Details, Devices and Passcode(s) secure. By following these requirements, Cardholders can assist in preventing unauthorised Transactions on the Account. Your liability for unauthorised transactions is determined under condition 28. 27.2 You must inform us as soon as you become aware (and you must ensure that an Additional Cardholder informs us as soon as they become aware) if the Card, Card Details, Devices (or other electronic equipment) or Passcode(s) have been misused, lost or stolen or had their security breached. You can contact us 24 hours a day, seven days a week using the details on your Card and the last page of these Conditions of Use. We must be given all the information that you or the Additional Cardholder have or can reasonably obtain regarding the loss, misuse, theft or other compromising circumstance. 27.3 a. Card and Card Details security To protect their Card and Card Details, each Cardholder must: • sign their physical Card as soon as they receive it • not give their Card Details to any other person unless they want to make a payment to them • not permit any other person to use their Card, or to add it to another person’s Device • take all reasonable steps to protect their Card from loss or theft • minimise the risk of losing their Card or Device or allowing their Card or Device to be used by someone else, for instance by keeping the Card or Device in sight when making a transaction • ensure that they immediately retrieve a Card or Device (and receipt, if any) after making a payment, including from an ATM • report any loss, theft or misuse of their Card or Card Details in accordance with condition 27.2

24 • use care not to display their Card or Card Details to anyone – such as by posting an image of the front or back of their card with its details visible on an internet forum, blog or a public place; or being mindful when out in public and in view of street cameras, and • use care to prevent anyone from seeing their Card Details when using them to make a payment. b. Passcode security To protect their Passcodes, each Cardholder must: • not disclose any Passcode to anyone, including a family member or friend • take care to prevent anyone seeing a Passcode being entered into an ATM or point of sale terminal, a computer, telephone or other Device • try to commit all Passcodes to memory and not record them by any means (including by storing them on a Device) without making a reasonable attempt to disguise them • not write or indicate their Passcode (whether disguised or not) on their Card, phone or other Device, or on other articles which could be lost or stolen simultaneously with the Card, phone or other Device (e.g. a phone case) unless the Cardholder has made a reasonable attempt to disguise or protect the security of the Passcode • not choose a Passcode which can be easily guessed including, for example, a Passcode that uses repeated characters, consecutive numbers, or a Passcode that represents a recognisable part of their name, birth date, telephone number, driver’s licence number or similar • change all Passcodes at regular intervals (where they are capable of being changed) • not act with extreme carelessness in failing to protect the security and secrecy of their Passcode(s), and • report any disclosure, loss, theft, misuse or suspected breach in the security of their Passcode(s) in accordance with section 27.2. The following are examples of what IS a reasonable attempt at disguising a Passcode: • hiding or disguising the Passcode: • within the place you have recorded it, or amongst other records, or • in a place where such a code would not be expected to be found,

25 • keeping any record of the Passcode in a securely locked container, or • preventing unauthorised access to an electronically stored record of the Passcode. The following are examples of what is NOT a reasonable attempt at disguising a Passcode– recording it: • in reverse order • as a telephone number in a place where no other numbers are recorded • as a telephone number where the Passcode is in its correct sequence • as a sequence of numbers or letters with any of them marked to indicate the Passcode • as a date (including a birth date) or as an amount, or • in any other way that can be easily identified. 27.4 Where we allow a Cardholder to select a Passcode (e.g. a PIN or password), the Cardholder must not select: a. a numeric code which represents their date of birth, or b. an alphabetical code which is a recognisable part of their name. 27.5 Device security You and your Additional Cardholder(s) must take all reasonable steps to protect the security of your respective Devices. Reasonable steps include: • protecting your Devices from viruses • not maintaining or automating passwords within your Device • setting screen locks, strong passwords and ensuring that others do not have access to the use of your Device, and • logging out from Online Banking and Mobile Banking at the end of each session. You acknowledge that, for security purposes, we reserve the right at any time to log you and any Additional Cardholder(s) out of Online Banking and Mobile Banking, for example if you or the Additional Cardholder are inactive for a period of time after having logged on.

26 Where you or an Additional Cardholder remove some system level restrictions on a Device by, for example, ‘jailbreaking’ or ‘rooting’ the Device, then you are responsible for any loss arising from unauthorised activity carried out on the Device, including in respect of your Account. If You or an Additional Cardholder wish to use Biometric Data to access Electronic Banking or your respective Device(s), or to make payments using a digital wallet, you and any Additional Cardholder must ensure that no other person’s Biometric Data is stored on the Device. If someone else’s Biometric Data can be used to access your Device or an Additional Cardholder’s Device, that person may be able to view your Account and perform transactions. Subject to clause 28.2, we will treat as authorised, and you will be responsible for, any transactions performed using the Biometric Information of someone else that has been used to access the Device. This is particularly important for cases of ‘friendly fraud’ – i.e. people or children who you allow to access your Device, either through saving their own Biometric Data on the Device or by knowing your Passcode. 28. Liability for unauthorised Transactions 28.1 Your liability for unauthorised transactions is determined in accordance with the ePayments Code (where it applies). We have reflected the main provisions within this section. Where there is any inconsistency between this section and provisions of the Code then the Code prevails. An unauthorised transaction is one which is not authorised by you or an Additional Cardholder, and occurs without your (or the Additional Cardholder’s) knowledge or consent – e.g. you notice a transaction on your statement which you know nothing about. Whereas an authorised transaction is one which is authorised by you or an Authorised User, and occurs with your (or the Authorised User’s) knowledge and consent. Unfortunately, some scams fall into this category because the scammer has convinced you as to the legitimacy of the transaction or payment details and you’ve authorised the payment to occur. In order to minimise the risk of an unauthorised transaction occurring, you must follow the security requirements set out in condition 27. If you don’t and this contributes to an unauthorised transaction occurring, then you may be held responsible for those transactions.

27 If you unreasonably delay informing us about any Passcode, Device, Card or Card Details having potentially been compromised, then you may be held responsible for any unauthorised transactions that result. 28.2 When you are not liable You are not liable for loss arising from an unauthorised Transaction that occurs: a. after we have been informed that the relevant Card, Card Details, Passcode or Device has been compromised (e.g. lost, stolen, misused) b. because the Card, Card Details or Access Method is forged, faulty, expired or cancelled c. for a transaction requiring the use of a Card, Card Details and/or Passcode, if that transaction occurred before the user received the Card, Card Details and/or Passcode (including a reissued Card, Card Details and/or Passcode) d. due to the same transaction being incorrectly debited or credited more than once to the same Account e. due to the fraudulent or negligent conduct of our employees or agents f. due to the fraudulent or negligent conduct of any companies involved in the electronic transaction system or merchants in the system, or their employees or agents g. where access to Electronic Banking had been enabled through the use of your Macquarie ID without entering a Passcode, or h. where it is clear that you or the Additional Cardholder did not contribute to the loss. You and your Additional Cardholder(s) can help meet these and limit your liability by observing the security requirements in condition 27. 28.3 When you are liable Subject to conditions 28.4 and 28.5, you are liable for losses arising from unauthorised transactions that occurred before we are notified of the breach of security in relation to a Passcode where: a. you or an Additional Cardholder haven’t followed the security requirements in condition 27 b. you or an Additional Cardholder acted with extreme carelessness in failing to protect the security or secrecy of a Passcode

28 c. you or an Additional Cardholder has unreasonably delayed informing us about a breach of security or secrecy in relation to any Passcode (although you will only be liable for the losses that occur after you or an Additional Cardholder become aware, or should reasonably have become aware, of the breach of security) d. you or an Additional Cardholder left the Card in an ATM, and the ATM incorporates reasonably safety standards that mitigate the risk of the Card being left in the ATM, or e. you or an Additional Cardholder committed fraud. In any assessment of liability we must prove on the balance of probability that these events caused the loss, taking into account any other contributing causes. You are responsible for all authorised transactions which are carried out with your or an Additional Cardholders’ knowledge and/or consent – this includes falling victim to a scam. 28.4 When your liability is limited a. Where condition 28.3 applies, you are not liable for any of the following amounts: i. that portion of the loss on any one day, or in any period, that exceeds any applicable daily or periodic Transaction limit(s) of the Account ii. that portion of the loss which exceeds the Credit Limit of the Account iii. losses incurred on any Accounts which we agree could not be accessed through the use of any Access Methods, or iv. losses (or the portion of losses) which we are able to recover by succesfully exercising any relevant rights we have against a merchant. b. Where a Passcode is required to perform a transaction and we do not establish that you have contributed to the loss in the ways set out in condition 28.3, then your liability for loss arising from an unauthorised transaction that occurs before you tell us about the breach of security in respect of a Passcode is the lesser of: i. $150, or ii. the Credit Limit, or iii. the actual loss at the time that we are notified of the breach of security (except any portion of the loss that may exceed any applicable transaction limits).

29 c. If we are unable to be contacted by phone because our lines are unavailable, you will not be liable for unauthorised transactions which could have been prevented had we been contactable, provided we are told within a reasonable time after our telephone facilities become available again. d. In accordance with section 28.2(a), you won’t be liable for any unauthorised transactions that occur after you’ve told us about the breach of security in relation to a Passcode, Card, Card Details or Device. 28.5 a. You are not liable for loss caused by the failure of any system or equipment to complete a transaction, which is shown as being accepted by that system or equipment. However, to the extent that you should reasonably have been aware that any system or equipment was unavailable or malfunctioning, our liability is limited to correcting errors in your Account and refunding any fees or charges that you have incurred as a result. b. We will not be responsible if a Terminal, ATM or any other electronic equipment does not accept your instructions or your Card. In the event of a Terminal malfunction or breakdown, you may still be able to perform a Transaction through manual means. In such a case, your liability for loss will be determined in accordance with condition 28. 28.6 Account aggregation services Some companies provide account aggregation services that allow you to view account information from different institutions on the one webpage, or download your account statements. These companies sometimes require you to give them your Passcode(s). We do not endorse, promote, or authorise the use of account aggregation services in connection with your Account(s). If you disclose any Passcode(s) to such persons, you may be liable for any transactions on your Account(s) made by that person using that Passcode(s). Refer to conditions 27 and 28 for more information. 28.7 If you have any query or complaint concerning Transactions on your Account: a. you must notify us of any such query or complaint by calling us on the telephone number or writing to us at the address listed on the back of the Conditions of Use

30 b. you must give us all information we reasonably request to help us resolve your query or complaint, and c. if we are unable to resolve your query or complaint immediately, we will write to you to let you know our procedures for investigating it. If we are a linked credit provider of a supplier under trade practices or consumer credit legislation, you may have rights with us in relation to goods or services which are the subject of a Purchase. Subject to those rights, and any other applicable laws, we are not responsible or liable: i. if a supplier or other person refuses to accept or honour any Card, no matter what the reason, or ii. for any defect or deficiency whatsoever in respect of any goods or services (for example, with respect to the quality of any goods or services) or their fitness for any purpose. Part H – Breach of these Conditions of Use 29. What happens if you breach these conditions? Default If you don’t make the payments you are required to make under these Conditions of Use, you will be in default. If you are in default because you have not made the payments you are required to make under these Conditions of Use, we may send you a notice which requires you to fix the default by paying us any overdue amounts plus any applicable interest and fees by a certain date (which will appear in the notice). There are some circumstances in which the law doesn’t require us to send you a notice when you are in default – for example, where we have attempted to contact you but have been unable to do so. If you don’t fix the default by paying the amount set out in the notice by the date set out in the notice, we may do some or all of the following: • decide that, without further notice to you, you must immediately pay us the whole Balance Owing On The Account (plus interest, fees and enforcement expenses, as relevant), not just the required payments you failed to make (this is called “acceleration” of your debt) • take steps to list the default on your credit file • exercise our right to assign the debt(s) due by you to a third party

31 • commence or continue debt recovery proceedings against you in court, and / or • close your Account. You will also be in default if: • you become bankrupt • enforcement proceedings are taken against you by another creditor • we believe, on reasonable grounds, that you have not complied with the law or any requirement of a statutory authority • you use the Account for a purpose not approved by us, or • we reasonably believe that you have given us information or made statements that are materially incorrect or materially misleading, and the event is material in nature or we reasonably believe it is likely to have a material impact on your ability to make the payments you are required to make under these Conditions of Use or on our risk. If a default other than not making the payments you are required to make under these Conditions of Use occurs but it can be remedied, we will give you a reasonable time to remedy it and tell you what this period is (unless we reasonably believe that doing so will impact our ability to manage an immediate risk). If you do not remedy the default within the period we specify, we may take the actions listed above in relation to payment defaults. If you are experiencing financial difficulty, including where you are having trouble paying the amounts you owe under these Conditions of Use, it’s important that you contact us as soon as possible. We may be able to work with you to develop a solution to pay the amount due. The sooner you contact us, the easier it is for us to help. If, in future, you apply for a credit contract with a member of the Macquarie Group that will be guaranteed by another person, we are required to provide any notice of demand we have made on you in the past 2 years to the proposed creditor and to the potential guarantor.

32 Part I – Account suspension, Account closure and Card cancellation 30. How we may suspend your Account Sometimes we may need to suspend your Account. This means we may: • restrict or temporarily suspend your ability to make any further Transactions on the Account • restrict or temporarily suspend your ability to make further Cash Advances on the Account • block a proposed Transaction (or type or class of Transaction) on your Account, rather than suspending all Transactions on your Account • suspend your participation in a rewards program, including restricting your ability to redeem under the program • suspend your access to Electronic Banking • reduce the Credit Limit of your Account (including limits set for non-Purchase Transactions) as stated in condition 9, and / or • choose not to re-issue any Card. In addition to any of the other circumstances set out in these Conditions of Use, we may (but are not obliged to) suspend your Account or block a Transaction if: • you breach, or we reasonably suspect you have breached, these Conditions of Use in a manner we reasonably consider involves a material risk to us or is materially adverse to us • an Additional Cardholder breaches, or we reasonably suspect they have breached, these Conditions of Use in a manner we reasonably consider involves a material risk to us or is materially adverse to us • you or an Additional Cardholder do not provide us with any information that we have reasonably requested and we reasonably consider such circumstances create a material risk to us or prevent us from complying with our legal or regulatory obligations or compliance policies • you use a promotion or other offer in a way that we reasonably determine is inappropriate • you behave in a way towards our staff, our service providers or other customers that we reasonably consider to be inappropriate • we reasonably believe it necessary in order to prevent the occurrence of fraud • you are (or we reasonably believe you are) using the Account to conduct Transactions for business purposes (as described in condition 10.6)

33 • you are (or we reasonably believe you are) using the Account to conduct related party Transactions (as described in condition 10.6) • we reasonably believe your Account is being used in a way that may cause loss to you or us (including, without limitation, where unauthorised Transactions have been reported on the Account) • we become aware of any dispute which in our reasonable opinion has a bearing on the Account, including without limitation whether instructions provided to us are authorised or valid • enforcement proceedings are taken against you by us in respect of another credit contract or by another creditor • we are required to by law (including, without limitation, any Anti-Money Laundering or Counter-Terrorism Financing laws and sanctions) or a court order • in the case of Electronic Banking, we experience unexpected technical or security issues or problems • we determine, acting reasonably, that it is otherwise necessary to do so in order to mitigate a material risk to us or you, or to protect our legitimate business interests. If we exercise our rights to suspend your Card or Account, you must continue to make payments to the Account in accordance with condition 15. To the extent permitted by law, we are not liable for any loss or damage arising from suspending your Account or blocking a Transaction on your Account. We will be liable for any loss or liability which arises as a result of our mistake, error, fraud, negligence or wilful misconduct We will act reasonably in relation to any decision to suspend an Account or block a transaction (or type or class of transaction). We will notify you if we decide to suspend your Account. Where possible and appropriate, we will endeavour to give you prior notice. If we cannot contact you or providing advance notice would be impracticable or inappropriate (for example, where we suspect fraud on your Account) we will generally notify you as soon as practicable afterwards.

34 Without limiting the above, certain classes of Transactions are automatically blocked for all Accounts, including Transactions which are registered under the gambling merchant category code (which means you can’t use your Card at most providers of gambling and lottery services). There will be instances where we are unable to block a Transaction, despite it being part of a blocked Transaction class – you will still be responsible for these Transactions. 31. Requesting us to close the Account You can request closure of the Account at any time by telling us online, in writing or by calling us. We will tell you what is required to close your Account when you make a request. This may include, without limitation, taking the actions described in condition 33. 32. How we may close the Account or cancel a Card At our reasonable discretion, we may cancel any Card or close the Account or do both at any time for the following reasons: • we reasonably consider you induced us to issue any Card by fraud • we reasonably believe the Card is being used in a way that may cause loss to you or us • you breach, or we reasonably suspect you have breached, these Conditions of Use in a manner we reasonably consider involves a material risk to us or is materially adverse to us, including, without limitation, where you are in default as described in condition 29. • you have moved permanently overseas or are overseas for a period of more than 2 years. • you behave in a way towards our staff, our service providers or other customers that we consider inappropriate • the Account becomes inactive • your Account has a credit balance and becomes subject to unclaimed monies laws, or we otherwise consider it reasonably necessary to mitigate a material risk to you or us or to protect our legitimate business interests. In exercising our discretion, we will act reasonably.If we suspect that there has been fraud committed in respect of the Account, we may suspend the provision of credit until the fraud has been investigated. We may cancel the Account after an investigation into the fraud if we believe such action is reasonably necessary.

35 If we close your Account or cancel a Card, we will notify you as soon as reasonably possible afterwards (unless your Account has a credit balance, in which case we will notify you before closing the Account or cancelling the Card). If appropriate, we may give you general reasons for doing so. 33. Payment on closure or cancellation 33.1 If any one or more of the following occurs: • you request us to close your Account under condition 31 • we close your Account under condition 32, or • we cancel your Card under condition 32, then, as soon as possible, you must • stop using the Account and all associated Cards • cut all Cards into pieces • cancel any recurring direct entry debits, and • pay the Balance Owing On The Account on demand or by request from us (together with amounts for Transactions not yet processed on the Account, government taxes and duties and other charges for the period up to closure or cancellation and any fees, charges and interest incurred before closure or cancellation (subject to condition 28). You must also repay any credit provided between the time of closure or cancellation of the Account or any Card issued on the Account and the time all cards are destroyed. These Conditions of Use continue to apply until the balance is reduced to nil following closure and interest, fees and charges and our reasonable enforcement expenses will continue to be chargeable until this occurs. 33.2 If you are not in default under these Conditions of Use and your Card is cancelled or the Account is closed, we will notify you of the amount that you are required to pay. Any demand for repayment will include a notice period within which the repayment is to be made. In assessing a suitable notice period and making any demand for repayment, we will act reasonably and will endeavour to take your circumstances into account as far as practical. 33.3 You must also pay the reasonable enforcement expenses we reasonably incur in enforcing these Conditions of Use. Enforcement expenses can be charged to your Account.

36 34. Investigating Suspicious Transactions 34.1 If we suspect that there have been fraudulent Transactions attempted on your Account, Card or any Additional Card, we may suspend the provision of credit on the Account, Card or any Additional Card, until the Transaction has been confirmed by you. 34.2 Where possible and appropriate, we will attempt to communicate this suspension to you. However, if we cannot or do not contact you, we will proceed with the suspension or blocking of the provision of credit without having provided prior notice to you. In that case, we will attempt to notify you of the suspension or blocking of your Account after the suspension or blocking occurs, where appropriate. 34.3 You acknowledge that for the prevention of suspected fraud, time is of the essence and that the suspension of an Account without prior notice to you is necessary to protect your Account and both you and us from possible losses. 34.4 You agree that we are not responsible for any losses which you may incur as a result of us suspending the provision of credit in circumstances where we reasonably suspected fraud. We will be liable for any loss or liability which arises as a result of our mistake, error, negligence or wilful misconduct. Part J – Errors, disputes and complaints 35. Errors, disputes and complaints Errors and disputes 35.1 If you believe an error has been made, or unauthorised Transactions have occurred, or you have any other questions after checking your Statement, please notify us as soon as you become aware by calling us or emailing us. You may also be able to lock your Card using Mobile Banking, which will prevent further Transactions. 35.2 Please give us your name and Account number and any relevant details of the error or unauthorised use, including the amount involved. We may also ask you for further information. If we become aware of a dispute concerning your account, we may suspend your account in accordance with condition 30. We may keep such a suspension in place until an agreement has been reached between the parties which is acceptable to us.

37 Complaints 35.3 If we cannot solve the problem immediately, we will give you a summary of the investigation procedure we will follow. If we have not finished our investigation and told you the result and our reasons in writing within 21 days of receiving your complaint, we will let you know that we need more time. 35.4 We will complete our investigations and tell you the result and our reasons in writing within 30 days after receiving full details of your complaint unless there are exceptional circumstances, which we will write to you about. If we decide that the Account has been incorrectly debited or credited, we will adjust it (including any fees, interest and charges) and tell you in writing. If we decide that there has not been an incorrect debit or credit, or we decide that you have contributed to at least part of the loss involved in an unauthorised Transaction, we will give you copies of any evidence. If you are not satisfied with our decision, you may request a senior management review. If it is determined that our decision was wrong, or our procedures were unsatisfactory, and these influenced the complaint result or caused unreasonable delay, we will be liable for the Transaction. If you are not satisfied with the steps taken by us to resolve your complaint, or with the result of our investigation, you may contact the Australian Financial Complaints Authority (AFCA). AFCA is an independent external complaints handling body approved for this purpose by ASIC. This service is available to individuals and small businesses and is free of charge. AFCA may be contacted at: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001 Telephone: 1800 931 678 Website: www.afca.org.au We are bound by whatever AFCA decides. However, if you do not agree with AFCA’s determination you are not bound by it and you can take the matter to court if you wish. Macquarie Customer Advocate The Macquarie Customer Advocate’s role is to: • listen to our customers and provide a customer- centric voice when making recommendations to improve customer experience

38 • minimise the risk of future problems by reviewing key customer themes • work with Macquarie complaint teams to promote fair and reasonable customer outcomes The Macquarie Customer Advocate is separate to Macquarie’s operating, risk and support groups including its internal dispute resolution teams. The Macquarie Customer Advocate can be contacted at: The Customer Advocate Macquarie Group Limited GPO Box 4294 Sydney NSW 1164 Email: customeradvocate@macquarie.com 36. Chargeback information In some circumstances, the rules of the Visa International card scheme allow us to charge a Transaction on your Account back to the merchant with whom a Cardholder made the Transaction. Chargeback rights are not available in respect of BPAY payments made from your Account. We will claim a chargeback right (if the right is available) for a Transaction on your Account if: a. you ask us to do so, and b. you give us the information and material we require to support the chargeback, within 30 days after the date of the Statement on which the Transaction is recorded. Otherwise any chargeback we have under the rules of the Visa International card scheme may be lost. We cannot claim a right of chargeback if the right does not exist. Your claim must fall within a specific category before we can exercise our rights in respect of a disputed Transaction. The rules of the Visa International card scheme prevent us from disclosing details of when a chargeback is or is not available to us. Part K – Electronic Banking 37. Use of Electronic Banking Your use of Electronic Banking is subject to these Conditions of Use and any separate terms of use we publish using our Electronic Banking platforms from time to time (if any).

39 Part L – B PAY scheme 38. BPAY scheme 38.1 Payments made using the BPAY scheme are subject to separate terms and conditions located in the Electronic Banking Terms and Conditions. Part M – General information 39. ePayments Code The ePayments Code ( Code ) is an industry code administered by the Australian Securities and Investments Commission. The Code regulates electronic payments, including ATM, EFTPOS and card transactions, online payments, internet (online) and mobile banking, telephone banking, direct debits and BPAY. It applies in addition to other regulatory and licensing requirements that apply to us. The Code does not apply to products designed and established primarily for business purposes. From the date of our adoption of the Code we will comply with the Code in relation to transactions which are governed by it. 40. Banking Code of Practice The Banking Code of Practice ( BCOP ) is an industry code which sets standards of good banking conduct. The relevant provisions of the BCOP apply to this banking service. 41. National Credit Code This condition applies to the extent that the National Credit Code and other applicable laws apply to this agreement. If: a. that Code or law would otherwise make a provision of this agreement illegal, void or unenforceable, or b. a provision of this agreement would otherwise contravene a requirement of that Code or law or impose an obligation or liability which is prohibited by that Code or law, this agreement is to be read as if that provision were varied to the extent necessary to comply with that Code or law or, if necessary, omitted. 42. Electronic communication consent We may offer to provide you with Statements, notices and other information relating to your Account electronically or by making this information available on our website. Where you consent to us communicating electronically, you authorise us to act on instructions we have received electronically. This consent and authority will apply to all

40 communications permitted to take place electronically by law (including any applicable industry Code or Code of Conduct) including but not limited to: a. Statements b. notices and other documents from us to you about your Account, and c. variations to these Conditions of Use. We will rely on this consent to communicate with you electronically, or by making a notice available for you to access on our website. For example, we may send an email to your email address each month to tell you that your Statement can be viewed online. By giving this consent, we are no longer required to send you notices or other documents in paper form for the Account. You must ensure that: a. you check your electronic communications (e.g. your email and SMS) and our website regularly for notices and other communication from us b. your email address and mobile phone number remain current (or otherwise notified to us), and c. electronic communications from us to you are not blocked. Providing you with electronic Statements and notices does not alter your obligations under any terms and conditions of the Account. You can print and save a copy of any notice or other document provided to you electronically. You are responsible for ensuring that you maintain the appropriate software and hardware, including printer, to access, view, retrieve, print and save a copy of such documents. You can go back to receiving paper notices and other documents by withdrawing your consent. A fee may apply if you choose to do so – check your Financial Table for details. If you decide to return to paper notices and other documents, you are asking to receive those documents on paper, delivered by post to your nominated street address. 43. Chip You must ensure the Chip is protected at all times from misuse (including tampering), damage, destruction or any form of unauthorised use. Only you can use the Chip for any of the available services.

41 44. Financial difficulty You should inform us of any material adverse change to your financial position or if you are in financial difficulty or otherwise consider you are or will be unable to meet your repayments or any other obligations under these Conditions of Use as soon as you become aware. If you advise us that you are in financial difficulty and we are aware that you have outstanding loans with other members of the Macquarie Group (“Macquarie Creditors”), we may share the details you have provided to us with those Macquarie Creditors. Other Macquarie Creditors may use this information to contact you about your financial situation. 45. Anti-money laundering By opening this Account: a. you must not knowingly do anything to put Macquarie Group in breach of the Anti-Money Laundering and Counter Terrorism Financing Act 2006, rules and other subordinate instruments (AML/CTF Laws) and / or its internal policies and procedures. You will notify us if you are aware of anything that would put us in breach of AML/CTF Laws b. if requested, you agree to provide additional information and assistance and comply with requests to facilitate Macquarie Group’s compliance with AML/CTF Laws and / or its internal policies and procedures in Australia or equivalent overseas jurisdiction c. you represent and warrant that you are not aware and have no reason to suspect that: i. the amount of credit that we agree to provide you will be used to fund money laundering, terrorism financing or similar activities (Illegal Activities), and ii. proceeds of investments made in connection with this product will fund Illegal Activities d. you acknowledge that Macquarie Group is subject to AML/CTF Laws and / or its internal policies and procedures. In making an application, you consent to Macquarie disclosing in connection with AML/CTF Laws and / or its internal policies and procedures any of your Personal Information (as defined in the Privacy Act 1988 (Cth)) that Macquarie Group holds

42 e. you acknowledge that in certain circumstances Macquarie Group may be obliged to freeze or block an Account where it is used in connection with Illegal Activities or suspected Illegal Activities. Freezing or blocking can arise as a result of the Account monitoring that is required by AML/CTF Laws and / or its internal policies and procedures. If Macquarie Group freezes or blocks your Account because it believes on a reasonable basis that it is required to do so in order to comply with AML/CTF Laws and / or its internal policies and procedures, we are not liable to you for any consequences or losses whatsoever, except to the extent such liability arose from our mistake, fraud, negligence or wilful misconduct 46. Assignment You consent and agree that, subject to applicable laws, we may at any time assign all or part of our rights, title and interest under this agreement to any institution, corporation or individual. You must sign any document and take any action reasonably required to give effect to this (if applicable). Any dealing with our rights does not change your obligations under this agreement in any way. We may disclose information about you and any Additional Cardholder, or this agreement, to anybody involved in an actual or proposed assignment, novation or dealing by us with our rights under this agreement. You may not assign, novate, or otherwise deal with your rights or obligations under this agreement or any document or agreement entered into or provided under or in connection with this agreement. 47. No security We agree not to rely on or to enforce as security for your obligations under this agreement: a. any security which we may hold from you, or b. any other security or guarantee which we may hold from any other person in relation to your obligations. You acknowledge that this agreement does not vary the terms or affect the enforceability of that security or guarantee. This part of the Conditions of Use only applies to you if you are an individual and, when you enter into this agreement, you intend to use the credit obtained under this agreement wholly or predominantly for personal, domestic or household purposes.

43 48. Severance If any terms or part of these Conditions of Use is invalid or not enforceable in accordance with its terms, all other terms or parts which are self-sustaining and capable of separate enforcement without regard to the invalid or unenforceable term or part will be, and continue to be, valid and enforceable in accordance with their terms. 49. Court orders If you become liable by a court order to pay any money due under this agreement, you must pay interest at the higher of the rate ordered by the court or the rate payable under this agreement. Information Statement 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 your credit provider and, if you still have concerns, your credit provider’s external dispute resolution 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 precontractual statement, and this document, must be given to you before: • your contract is entered into, or • you make an offer to enter into the contract, whichever happens first.
How can I get a copy of the final contract? If the contract document is to be signed by you and returned to your credit provider, you must be given a copy to keep. Also, the credit provider must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if the credit provider has previously given you a copy of the document to keep. 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:

44 • within 14 days of your written request if the original contract came into existence 1 year or less before your request, or • otherwise within 30 days of your written request. 3. 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. 4. 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. 5. How can I find out the pay out figure? You can write to your credit provider at any time and ask for a statement of the pay out figure as at any date you specify. You can also ask for details of how the amount is made up. 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. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits your credit provider to charge one) and other fees. 7. Can my contract be changed by my credit provider? Yes, but only if your contract says so.

45 8. 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. • you get 30 days advance written notice for: i. a change in the way in which interest is calculated, or ii. a change in credit fees and charges, or iii. 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 your credit provider’s external dispute resolution scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Your credit provider’s external dispute resolution provider is the Australian Financial Complaints Authority and can be contacted on 1800 931 678, by email at info@afca.org.au or in 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 www.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 cannot insist that you use any particular insurance company.

46 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. 14. What happens if my credit contract ends before any insurance contract over mortgaged property? You can end the insurance contract and get a proportionate rebate of any premium from the insurer. General 15. 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, for example: • to extend the term of your contract and reduce payments, or • to extend the term of your contract and delay payments for a set time, or • to delay payments for a set time.

47 16. 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 external dispute resolution scheme that your credit provider belongs to. Further details about this scheme are set out below in question 17. 17. Can my credit provider take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the credit provider’s external dispute resolution scheme or ASIC, or get legal advice. 18. 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.

48 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 YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME OR GET LEGAL ADVICE. EXTERNAL DISPUTE RESOLUTION IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION PROVIDER IS THE AUSTRALIAN FINANCIAL COMPLAINTS AUTHORITY AND CAN BE CONTACTED ON 1800 931 678, BY EMAIL AT INFO@AFCA.ORG.AU OR IN WRITING TO GPO BOX 3, MELBOURNE, VICTORIA, 3001. PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT TO REFER TO IT AT A LATER DATE.

macquarie.com .au How to get in touch with us For all account enquiries and support, please visit macquarie.com.au/contact-us. BFS0189 1 2 /2 5

Source: https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-payment-plan.pdf

Credit Card Payment Plan Macquarie credit cards are issued by Macquarie Bank Limited ABN 46 008 583 542, AFSL and Australian Credit Licence 237502. Use this form to request the payment plan for your Macquarie Credit Card account, subect to our approval. • This form is for Macquarie Credit Cards only and must be completed by the Primary Cardholder • This form must be submitted to macquariecards@macquarie.com using the email address registered to the Primary Cardholder’s account • All fields are mandatory, please ensure all information is provided otherwise you may be required to resubmit • ubmission of this request for a Credit Card Payment Plan to Macquarie will not impact your credit score Macquarie ID ( % igit MAC ):

Primary cardholder details Account details Macquarie Credit Card number (Last 4 Digits): XXXX - XXXX - XXXX - First name: Surname: Please ensure your contact details are up to date in Macquarie online banking. As soon as this payment plan has been set up, your revised «ariable interest rate and Minimum Payment due amount will appear on your next/ upcoming statement. Please make your Minimum Payment ue as outlined in your statement.
Acknowledgement Submit Email to macquariecards@macquarie.com Need Help? For more information, please visit Personal Help Centre . Credit Card Payment Plan Page 1 of 1 }y completing and submitting this form, you ac nowledge and agree to the following AGREED CHANGES TO YOUR CREDIT CARD CONTRACT • The Annual Percentage Rate for Purchases and Cash Advances will be redu ced to &.&"F p.a. • All Credit Fees and Charges will no longer apply. Any promotional rate and interest free period applicable to your credit card account will be removed. • Your card, as well as any additional cards linked to the account, will be bloc ed to prevent any new Purchases or Cash Advances. • Your Credit Limit will be reduced to an amount that is equal the Balance Owing On The Account as at the date we set you up on the payment plan, rounded up to the nearest $10. • Your Minimum Payment Due will change to a n amount which is equal to 2 .5 % of your new credit limit rounded up to the nearest dollar, or $50, whichever is greater. You must pay the full amount of the Closing Balance if it is less than $50. ACKNOWLEDGEMENTS • The agreed changes to your credit card contract will take place from the date we set you up on the payment plan . • nce we set you up on the payment plan, these changes cannot be reversed. • Provided you comply with the terms of the payment plan, including meeting the revised Minimum Payment Due amount by the due date, this payment plan will not impact your credit score with respect to your credit card account. • nce the balance is paid in full, your credit card account will be closed by us. • Please note, if you default on your payment obligations, your credit score will be impacted in line with our reporting obligations, and we may ta e some or all actions set out in Part H of the Macquarie Credit Card Conditions of Use. Missed repayments and amounts that remain unpaid will be reported to Credit Reporting Bureaus, and will remain on your Credit File for 24 Months. • By completing and submitting this form, you are requesting to enter this payment plan as a proactive way to manage and pay down your credit card debt . By doing so, you confirm that you are able to comfortably ma e the revised Minimum ayment Due as per the agreed changes to your credit card contract. You confirm this is not an application for Financial A ssistance and that you are not currently experiencing Financial Hardship, or that opting into this payment plan with the revised Minimum Payment Due amount will place you in a position of hardship. For more information on what Financial Hardship is and to apply for Financial Assistance, please visit our website at macquarie.com.au/financial-assistance .

Macquarie RateSaver Card

Source wording changes

Source pages and terms

Saved wording and terms

Source: https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html

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RateSaver credit card^

Low annual fee, high convenience

Low annual fee

Low interest rates

Security and protection

No international purchase fees

More ways to pay

Using your credit card and offset account

Using your credit card and offset account

Protect your account and personal information

Protect your account and personal information

Tools for budgeting and saving

Tools for budgeting and saving

Transaction notifications

Transaction notifications

Digital tools for travelling

Digital tools for travelling

Rates and fees

Interest rates

Account fees

Card and transaction limits

Terms, conditions and documents

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Additional information

Source: https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf

Source: https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-payment-plan.pdf