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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.

Platinum credit card with Macquarie Reward Points^^

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Why Macquarie?

Your choice of flexible Macquarie Rewards

The Macquarie Platinum experience gives you access to Macquarie Reward Points1.

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Earn up to $23.50 in gift cards when you spend $5,000 per month on your Platinum card with Macquarie Rewards1.

Flexible rewards

Earn 1 Macquarie Reward Point per $1 spent1 up to and including $5,000, then earn 0.5 Macquarie Reward points for every $1 spent1 over $5,000 in a given statement period
Redeem your points for eGift cards or Cashback
Keep track of your points and redemptions with online and mobile banking. Your points are ready to use whenever you like.

No international purchase fees

We don’t charge international purchase fees when you shop overseas or with international online retailers5.
Receive the Visa foreign exchange rate, with no additional fees or charges.

Security and insurance

Overseas and domestic Travel Insurance for you, your Spouse and your Dependent Children3.
Card Purchase Cover and Buyer’s Advantage Cover on your eligible purchases3.

All when you pay with your Macquarie Platinum Card3 .

Interest free periods

Take advantage of up to 55 days interest free on purchases4.

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

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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

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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.

Find out more

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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.

Find out more

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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

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Rates and fees

Interest rates

Interest rates are variable, subject to change and to Macquarie Card Services credit criteria.

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Rate	Transaction type
20.70% p.a.	Interest rate charged on purchases
20.70% 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 fee2 The annual fee is charged when you activate your card, then annually on the anniversary of the date we first issued your card.	$149
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
Macquarie Bank Platinum Card Insurance terms and conditions	Download PDF
Macquarie Rewards Program terms and conditions	Download PDF

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Documents	Link
Additional card holder form	Download PDF
Authorised representative request form	Download PDF
Credit guide	Download PDF
Direct debit request form	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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FAQ

Frequently asked questions

What can I redeem my Macquarie Rewards points for?

Our rewards program is digital and offers a range of eGift cards for you to choose from.

You can also choose to redeem points for Cashback into an eligible Macquarie account.

For more information on credit card reward points, refer to our help centre article.

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.

Visit Help Centre

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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.

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

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

Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions.

The annual fee information displayed on this page applies to new customers only. Existing customers may be subject to a different annual fee and should refer to their Financial Table for the annual fee that applies to their account. Other fees and charges may apply.

The insurance on Macquarie Cards is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Macquarie Bank Platinum Card group policy of insurance or in the Macquarie Bank Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. This information does not take into account your objectives, financial situation or needs. It is important for you to read Macquarie Bank Platinum Card Insurance Terms and Conditions or Macquarie Bank Black Card Insurance Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.

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.

Different minimum credit limits may apply to the Macquarie Platinum Card 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 .

Source: https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf

Macquarie Platinum Credit Card Terms and Conditions Effective 18 June 2025

Macquarie Platinum Credit Card Macquarie Group Limited 2 Contents Travel Tips ............................................................................ 3 Insurance Terms and Conditions .................................... 4 Terms and Conditions ............................................................................ 4 Eligibility for cover under this Policy ................................................ 5 Cover Sections, Benefits and Benefit Limits.................................. 5 Exclusions within this Policy ................................................................ 5 Automatic End Date Extension .......................................................... 6 Important Things To Know About This Policy ............. 7 Age Limits ................................................................................................... 7 Excess ........................................................................................................... 7 Pre-Existing Medical Conditions ......................................................... 9 Aggregate Limit of Liability – Section C – Accidental Death Cover and Section D – Public Transport Accident Cover only 9 COVID-19 .................................................................................................... 9 Pregnancy ................................................................................................... 9 Excluded Sports and Activities ........................................................ 10 Travelling Against Medical or Government Advice .................. 10 Return Trips Only .................................................................................. 10 Fraud.......................................................................................................... 10 Goods and Services Tax...................................................................... 10 Australian Law ....................................................................................... 10 Australian Currency ............................................................................. 10 Termination ............................................................................................. 10 About Chubb Insurance Australia Limited ................. 11 General Enquiries ............................................................. 11 Chubb Assistance (In the event of an Emergency)... 11 Eligibility for Insurance Table ........................................ 12 Definitions ......................................................................... 15 Coverage Summary ......................................................... 20 Schedule of Benefits ........................................................ 25 Section A – Overseas Medical Emergency Expenses Cover ................................................................................... 29 Section B – Trip Cancellation and Amendment Cover .............................................................................................. 32 Section C – Accidental Death Cover ............................ 35 Section D – Public Transport Accident Cover ............ 36 Section E – Loss of Income Cover................................. 37 Section F – Resumption of Long Overseas Trip Cover .............................................................................................. 38 Section G – Trip Delay Cover ......................................... 40 Section H – Personal Baggage, Valuables, Money and Travel Documents Cover ................................................ 42 Section I – Hijack Cover .................................................. 45 Section J – Personal Liability Cover............................. 46 Section K – Rental Vehicle Excess Cover ................... 48 Section L – Card Purchase Cover ................................. 50 Section M – Buyer’s Advantage Cover ........................ 52 General Exclusions Applicable to All Sections .......... 54 How do I make a claim? ................................................. 56 Privacy Statement .......................................................... 58 Why We collect Your Personal Information ............................... 58 How We obtain Your Personal Information................................ 58 When do We disclose Your Personal Information? ................. 58 Your decision to provide Your Personal Information.............. 58 Access to and correction of Your Personal Information ....... 59 Further information request ............................................................ 59 How to make a complaint ................................................................. 59 Complaints and Dispute Resolution Process ............ 60 Complaints and Customer Resolution Service .......................... 60 External Dispute Resolution ............................................................. 60 General Insurance Code of Practice ............................ 61 Sanctions ........................................................................... 61

Macquarie Platinum Credit Card Macquarie Group Limited 3 Travel Tips Confirm whether You meet the eligibility requirements for cover before going on a Trip. Pack a sufficient supply of Your regular medications in Your carry-on luggage. This way, if Your luggage is lost or delayed You won’t have any concern over taking Your medication as required. Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for Your travel destination and the countries You plan to visit on Your Trip. Find out the emergency services contact numbers for the destination(s) and any other countries You are travelling to. Record the numbers for police, ambulance, Your travel insurance provider and the nearest Australian Embassy. Visit Your Doctor and Dentist for a general check-up before You leave Home. Ask about any vaccinations relevant to Your destination and any other countries You intend to visit during Your Trip. Ensure Your regular vaccinations, such as the flu shot and tetanus shot, are up to date. Get Your Doctor to print a list of all Your current medications, their generic names, dosages and frequency taken. Print a spare copy and keep it separate from Your main luggage. These travel tips are intended as general information only and do not constitute advice of any kind, nor do they take into consideration Your personal circumstances. Chubb does not accept any liability arising from any reliance upon these travel tips.

Macquarie Platinum Credit Card Macquarie Group Limited 4 Insurance Terms and Conditions This Policy is effective from 18 June 2025 Policy Number: 01PN529928 Terms and Conditions This Policy sets out important information about the insurance benefits available to eligible Card Members and Additional Card Members. The Policy explains the nature of the arrangements and their relevant benefits and risks. If You feel that this product does not meet Your specific needs and intended coverage, this Policy may not be right for You. You may need to buy separate or additional insurance if You do not satisfy the eligibility requirements or if this Policy does not cover You or the things You need cover for. This document provides general advice only. It does not take into account Your individual objectives, financial situation or needs. You need to decide if the limits, type and level of cover are appropriate for You. There is no obligation to accept any of the benefits of this cover. However, if You wish to make a claim under the cover provided within this Policy, You will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document. These terms and conditions have been prepared by and are the responsibility of Chubb. Group Policy with Chubb Macquarie Bank Limited ABN: 46 008 583 542, AFSL No. 237502 (Macquarie Bank) is the insured under a Group Policy issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687). Under the Group Policy entered into between Macquarie Bank and Chubb You get automatic access, where You have met the eligibility requirements set out in the Eligibility for Insurance Table, to the benefits detailed in this Policy provided by Chubb as the insurer. You are not charged by Chubb for these benefits and can access the relevant benefits if You are a Card Member. Macquarie has no responsibility or liability to You in relation to any insurance claim. Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). You are not a contracting insured (i.e. You cannot vary or cancel the cover – only Macquarie Bank can do this) and You do not enter into any agreement with Us. Macquarie Bank is not the insurer, does not guarantee or hold this right on trust for You and does not act as Chubb’s agent (that is, on behalf of Chubb). Neither Macquarie Bank nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth)) of Chubb or any of its related companies. No Advice Macquarie Bank is not authorised to provide any advice, recommendations or opinions about this insurance on behalf of Chubb. No advice is provided by Chubb on whether this insurance is appropriate for Your needs, financial situation or objectives. You should read this Policy carefully and contact Chubb if assistance is required. Updating this Policy This Policy may be changed by Chubb and Macquarie without Your consent from time to time. A copy of any updated information is available to You at no cost by visiting Macquarie Bank Platinum Credit Card Insurance . Macquarie Bank will advise You when there is an update to this Policy as advised by Chubb. Other Insurance The insurance cover described in this Policy is provided for Your benefit under the Group Policy entered into between Chubb and Macquarie Bank. If You are entitled to receive a benefit or make a claim under another insurance policy (for example a home and contents policy, an alternative mobile phone policy or individual travel insurance) in respect to the same loss as Your claim under this Policy, then to the extent permitted by law Chubb is not liable to provide indemnity under this Policy until the amount of any indemnity under the other policy is exhausted. Therefore, any insurance cover under this Policy in respect of the same loss shall only be excess insurance cover over and above the applicable policy. Important information about this Policy As a Card Member or Additional Card Member, You are entitled to insurance coverage and services under this Policy when You hold the following Macquarie Bank Card Account and meet all the eligibility criteria (see the Eligibility for Insurance Table): a. Macquarie Bank Platinum Credit Card. This Policy offers two (2) main types of benefits and services. These include:

Travel insurance benefits; and
Retail item cover.

Macquarie Platinum Credit Card Macquarie Group Limited 5 For travel insurance, the product and service has been designed to cover eligible* Card Members: • that have an in-force Macquarie Bank Card Account (meaning it is not cancelled, suspended or terminated); • that do not need cover for a Pre-Existing Medical Condition; • who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover; • who are not travelling more than: − Fourteen (14) consecutive days for a Domestic Return Trip; − Ninety (90) consecutive days for an Overseas Return Trip; • who are a Resident of Australia; • who start and end their Trip in Australia. *Please refer to the Eligibility for Insurance Table for a list of eligibility criteria. Please familiarise Yourself with this Policy. We want to ensure You are clear about what it covers and what it does not cover or excludes. If You are unclear about anything in this document, please call 1300 791 804 and Chubb’s insurance team will be happy to assist You with any enquiries. It’s important to check this Policy from time to time, particularly before You go away to remind yourself of what is and isn’t covered. Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle license). You also need to make sure You take care with Your belongings, make sure You keep valuable possessions on You and never leave Your luggage Unattended. This insurance isn’t designed to cover carelessness or high-risk activities, so be a sensible and prudent traveller. If You need to make a claim, keep supporting documents and proof of any loss, including all police reports, sales receipts and charge card statements showing any purchases made. A copy of any updated information is available to You at no cost by visiting Macquarie Bank Platinum Credit Card Insurance . This Policy replaces and supersedes any Policy previously issued prior to the effective date. Eligibility for cover under this Policy This Policy is available to Card Members for the above- mentioned Card who meet the eligibility criteria. In order to meet the eligibility criteria, among other things, You need to use Your Macquarie Bank Card Account in accordance with the Eligibility for Insurance Table below. Not all cover sections have the same eligibility criteria, so it is important You understand when the benefits under this Policy become available to You. IMPORTANT: You will only have access to the insurance benefits under this Policy if You satisfy the eligibility criteria as set out within this Policy. See the Eligibility for Insurance Table for details of when You are eligible for cover. Cover Sections, Benefits and Benefit Limits The cover We offer will be dependent on Your Trip (overseas or domestic). The cover sections, benefits and benefits limits will vary based on Your Trip. Not all benefits listed within each cover section are available for a Trip. Please refer to the Schedule of Benefits within this Policy to confirm the cover and limits offered for Your Trip. The Schedule of Benefits provides the limit(s) We will pay to, under each of the cover sections for a Trip. It includes maximum amounts payable under each section together with any applicable sub-limit(s), waiting period(s) and the Excess(es) that applies. IMPORTANT: any examples in this Policy are provided for illustrative purposes only and do not take into account all Policy terms and conditions. All claims will be assessed individually, based on the facts relative to the specific claim, in accordance with this Policy. Exclusions within this Policy As with all insurance, there are certain exclusions that apply. Some exclusions only apply to certain benefits under the Policy, while other exclusions apply to all claims. You should read the following: • General Exclusions which apply to all claims. • Each cover section, as it includes information about what We cover and any terms and conditions and exclusions that apply to the cover section. To ensure You understand when We will pay for a claim, You should read each section carefully, including each benefit covered under ‘What We Cover’ together with any ‘Terms and Conditions’ and ‘Exclusions’ applicable under each cover section, as well as the General Exclusions.

Macquarie Platinum Credit Card Macquarie Group Limited 6 Automatic End Date Extension In the event that You are prevented from completing the return leg of a Trip as a result of an unavoidable delay from Your Public Transport, We will automatically provide an extension of cover for up to three (3) days for You to return to Australia. In the event You are hospitalised as a result of an Injury or Illness covered under this Policy, during Your Overseas Return Trip, the following cover sections; • (A) Overseas Medical Emergency Expenses Cover; • (H) Personal Baggage, Valuables, Money and Travel Documents Cover; • (I) Hijack Cover; • (J) Personal Liability Cover; will automatically extend beyond the return date until one of the following first occurs: a. twelve (12) months have elapsed from the date of the Injury or Illness; or b. You return to Australia; or c. You are declared fit to travel to return to Australia by a treating Doctor or by Chubb’s Assistance’s medical officer, but You choose to remain overseas.

Macquarie Platinum Credit Card Macquarie Group Limited 7 Important Things To Know About This Policy Age Limits Please note that to be eligible for some of the benefits under this Policy, You must fall within the relevant age limits. Please see the table below for a summary of the age limits that apply within this Policy. Cover Section Age Limit Age Limit for Covered Person Travel Insurance Cover Section A – Overseas Medical Emergency Expenses Cover You must be eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase. Travel Insurance Cover (Section B - J) No age limitations apply for these cover sections. Rental Vehicle Excess Cover (Section K) No age limitations apply for these cover sections. Card Purchase Cover (Section L) Buyer’s Advantage Cover (Section M) No age limitations apply for these cover sections. Excess Where applicable, an Excess is applied for each Covered Person, for each Event. If a claim is covered and an Excess applies, the Excess is first deducted from the claim amount before any limits are applied to the claim amount. A claim will not be payable where the Excess amount is the same as, or more than, Your claim amount. The Excess amount is specified in the Schedule of Benefits. For Section E – Loss of Income Cover, the Excess is a waiting period, which is the amount of time You have to wait until the benefit may become payable.

Macquarie Platinum Credit Card Macquarie Group Limited 8 Example The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specific claim Example A – Excess Applied: Example B – Excess and depreciation applied: Example C – Excess applied to more than one Event: Anna books accommodation to the Sunshiny caravan park. Her Trip with the family is in summer, which is 3 months away. A week before the start of the family Trip, her son has an accident at school and breaks his leg. Unfortunately, he needs surgery and the Doctor confirms its best to be at home for the recovery. Anna paid $1,200 for the accommodation. The Excess is $250. a. Deduct the Excess of $250 b. Check the total cover limits and sub limits in Schedule of Benefits. The amount claimable is below these limits Calculation for the amount payable: (-Excess) + accommodation = amount payable (-$250) + $1,200 = $950 Jane travels to Brazil and while in Brazil her laptop is stolen. She reports the theft to the police and provides Us with the required documentation. Jane paid $6,000 for her laptop 12 months prior to this Event. Jane’s Excess is $250. a. Deduct the Excess of $250 b. Establish original purchase price of the laptop: $6,000 c. Apply depreciation*: • 2.5% per month for 12 months = 30% depreciation. • 30% of $6,000 = $1,800 total depreciation. d. Establish current value of the laptop by subtracting depreciation from the purchase price of the laptop • $6,000 - $1,800 = $4,200 e. Check the total and per item limit shown in the Schedule of Benefits and select the lower of current value of the laptop or the item limit. If the per item limit is $2,500 which is lower than the current value $4,200, hence We take the lower number = $2,500 The $250 Policy Excess is not deducted from the $2,500 per item limit in this instance since Jane’s loss is higher than the per item limit payable plus Excess. $2,500 claim payment. Rob and his wife travelled to France for 14 days. On the 4th day of their trip, Rob slips down the stairs at the hotel. Thankfully it’s not a major injury, but he did twist his ankle and needs to seek medical attention. He was billed $500 for the doctor’s appointment including some scans and medication. On the 8th day, Rob had his laptop stolen which was worth $1,000 when it was purchased 6 months ago. When they return to Australia, Rob submitted a claim for the 2 Events. As Rob and his wife had 2 Events during their trip to France, an excess would be applied to each of the Events (and Covered Persons). Claim 1: (-$250) excess + $500 Medical costs = $250 claim payment Claim 2: a. Deduct the Excess of $250 b. Establish original purchase price of the laptop: $1,000 c. Apply depreciation*: • 2.5% per month for 6 months = 15% depreciation. • 15% of $1,000 = $150 total depreciation. d. Establish current value of the laptop by subtracting depreciation from the purchase price of the laptop • $1,000 - $150 = $850 Calculation for the amount payable: (-Excess) + current value = amount payable (-$250) + $850 = $600 claim payment. *For depreciation details, please review Section H - Personal Baggage, Valuables, Money and Travel Documents Cover

Macquarie Platinum Credit Card Macquarie Group Limited 9 Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below. If You have Pre- Existing Medical Conditions, this cover may not be right for You. Before You make Your Relevant Travel Purchase, You should consider whether a medical condition is considered Pre-Existing based on the Pre- Existing Medical Condition definition within this Policy and whether this Policy provides the right cover for You and Your health situation. Aggregate Limit of Liability – Section C – Accidental Death Cover and Section D – Public Transport Accident Cover only Our total liability for all claims arising under the Policy in respect of any one (1) Injury or series of Injuries arising out of any one (1) Event during the Period of Insurance is limited to $1,000,000 (the Aggregate Limit of Liability). If the Aggregate Limit of Liability is reached, then the claims payment will be allocated amongst all Covered Persons on a proportional basis. COVID-19 What is covered? This Policy treats COVID-19 in the same way as any other Illness. This means where there is coverage for Illness related Events under the following sections, it applies to COVID-19:

Section A – Overseas Medical Emergency Expenses Cover;
Section B – Trip Cancellation and Amendment Cover; and
Section F – Resumption of Long Overseas Trip Cover. What is not covered? We will not pay for any benefit, loss or costs arising from or relating to:
border closures or government issued “Do Not Travel” warnings arising from COVID-19 (including where the border closure or travel warning occurs after You made Your Relevant Travel Purchase);
mandatory quarantine, except when You have a valid Trip Change or Curtailment claim under specified Event 1 of Section B – Trip Cancellation and Amendment Cover and incur reasonable additional travel or accommodation expenses resulting from the quarantine. Pregnancy It’s important to understand how pregnancy affects Your cover under this Policy. Whilst Your retail item benefits are unaffected, some of Your travel insurance benefits are limited as summarised below. When does the travel insurance cover You, if You are pregnant? If You are pregnant, You will be covered for unforeseen emergency medical Treatment whilst overseas up to 8 weeks before Your estimated date of delivery. However, You will not be covered for costs associated with the actual birth of Your child overseas or any pregnancy related medical conditions that You are already suffering from before Your Relevant Travel Purchase is made. For more information see – When are You not covered? (below). Two key sections of this Policy that You should be aware of are:
Section A – Overseas Medical Emergency Expenses Cover: You are covered for Events arising from or related to Your pregnancy when You are on an Overseas Return Trip, if You have a pregnancy related Medical Emergency resulting from an Injury or Illness, which: a. occurs more than eight (8) weeks before Your estimated date of delivery; and b. is not otherwise excluded within this Policy.
Section B – Trip Cancellation and Amendment Cover: You are covered if You have an Injury or unforeseen Illness arising from or related to Your pregnancy that prevents You from going on the Trip or continuing the Trip, and which: a. is confirmed by medical evidence provided by a treating Doctor; and b. occurs more than eight (8) weeks before Your estimated date of delivery; and c. is not otherwise excluded within this Policy. When are You not covered if You are pregnant? You are not covered for any costs arising from or related to: a. any Pre-Existing Medical Condition; b. any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase; c. Your pregnancy under Section A – Overseas Medical Emergency Expenses Cover or Section B - Trip Cancellation and Amendment Cover within 8 weeks of Your estimated date of delivery; d. any costs under Section A - Overseas Medical Emergency Expenses Cover arising from childbirth or the health of a newborn child. This exclusion applies irrespective of the stage of pregnancy at which the child is born. Meaning a newborn (whether premature or otherwise) is not considered a Covered Person under the Policy if the child was born on the Trip;

Macquarie Platinum Credit Card Macquarie Group Limited 10 e. any costs under Section A - Overseas Medical Emergency Expenses Cover arising from or relating to an abortion, unless this is to save the life of the mother following an Injury or Illness; f. any costs under Section A - Overseas Medical Emergency Expenses Cover arising from fertility Treatment or Treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF). Excluded Sports and Activities Not everything You do on your Trip will be covered by this Policy. This includes: • some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level). • a sporting event where You may be eligible to receive a fee, including prize money. Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy. Travelling Against Medical or Government Advice If You are advised not to travel or not to go on a particular Trip (for example, to a specific destination), You must comply with that advice. You will not be covered under Sections A – K of this Policy if You start a Trip against the following advice: a. a treating Doctor advises You not to travel; or b. an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories). This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel. Return Trips Only You are only eligible for cover under sections A - K of this Policy for return Trips i.e. trips that begin and end from Your Home or Work in Australia. It does not cover One-Way Trips where You have no plans to return to Australia. If you have not made Your Relevant Travel Purchase prior to your Trip departure date, you are not eligible for cover under this Policy. Please refer to the Eligibility for Insurance Table for more information. You may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc. Remember, cover automatically ends for all Trips at 90 days for Overseas Return Trips and 14 days for Domestic Return Trips. Fraud Chubb considers it important for customers to take insurance fraud seriously. Creation or submission of false documents, or exaggerating a genuine claim is considered insurance fraud. Such behaviour has a negative impact on the cost of insurance for all customers. We utilise Our dedicated special investigations unit at Chubb to detect and investigate selected claims daily. When the evidence supports it, Chubb will report suspect claims to the police and dedicate resources to assisting any potential criminal prosecutions. Goods and Services Tax If We agree to pay a claim under Your Policy, We will base any claim payment on the Goods and Services Tax (G.S.T.) inclusive costs (up to the relevant Policy limit). Australian Law This Policy is governed by the laws of the State or Territory of Australia where Your Home is. Any dispute or action in connection with this Policy shall be conducted and determined in the courts of the State or Territory of Australia where Your Home is. Australian Currency All payments by You to Us and Us to You under this Policy must be in Australian currency. Termination Cover is terminated at the earlier of the following: • cancellation of Your Macquarie Bank Card Account; or • termination of the Group Policy. Upon termination of the Group Policy, the insurance benefits will no longer be available to Card Members and Additional Card Members to claim for any Event that occurred after the termination date, even if Card Members or Additional Card Members satisfied the eligibility criteria for cover before the termination date of the Group Policy. Macquarie will notify You if the Group Policy is terminated.

Macquarie Platinum Credit Card Macquarie Group Limited 11 About Chubb Insurance Australia Limited Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No. 239687) (Chubb) is the insurer and issuer of this product. In this PDS, “We”, “Us”, “Our” means Chubb. Chubb is an Australian financial services licensee (Licensee) authorised to deal in and provide advice in relation to general insurance products. Our contact details are: ABN: 23 001 642 020 AFS Licence Number: 239687 Head Office: Grosvenor Place, Level 38, 225 George Street, Sydney NSW 2000 Postal address: GPO Box 4907, Sydney NSW 2001 O 1300 791 804 F +61 2 9335 3467 E CustomerService.AUNZ@chubb.com General Enquiries If You have any questions about this Policy, You can either: Email Chubb at CustomerService.AUNZ@chubb.com Write to Chubb at GPO Box 4907, Sydney NSW 2001 Call Chubb on 1300 791 804 (Monday to Friday 8:30am – 5pm AEST/AEDT) Chubb Assistance (In the event of an Emergency) Emergency assistance around the world In the event of a medical or similar emergency whilst overseas call +61 2 8907 5666 to get prompt help in locating medical assistance in Your local area. For all non-emergency matters, contact Chubb Customer Service on 1300 791 804 between 8:30am – 5pm AEST/AEDT on business days. Where Your claim is excluded or falls outside the Policy coverage, the provision of emergency assistance by Chubb Assistance will not in itself be an admission of liability. Considerable effort is made to locate, assess and reassess medical facilities and other services worldwide. However, the medical standards, sanitary conditions, reliability of telephone systems and facilities for medical services differ from country to country and accordingly, it is not always possible to have control over these factors. In the circumstances, responsibility for any loss, medical complication or death resulting from any factor beyond Our control, cannot be accepted by Chubb Assistance or Us.

Macquarie Platinum Credit Card Macquarie Group Limited 12 Eligibility for Insurance Table Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy, the following eligibility criteria needs to be met: When are the benefits available under this Policy? When are no benefits available under this Policy? Travel Insurance Cover

Section A – Overseas Medical Emergency Expenses Cover

You are a Covered Person.
You are a Resident of Australia.
You are going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using: i. the Card Member’s Macquarie Bank Card Account; and/or ii. the Card Member’s corresponding Macquarie Rewards points and/or any gift card purchased using Macquarie Rewards points.
The Macquarie Bank Card Account is in force (meaning it is not cancelled, suspended or terminated) when You meet condition 3.
You are eighty-five (85) years of age or younger when You first become eligible for this cover by meeting conditions 1 to 4 above. IMPORTANT : If You are aged eighty-six (86) years or older at the date You make a Relevant Travel Purchase, no Overseas Medical Emergency Expenses Cover will be available to You. If You have satisfied the eligibility criteria, You will have access to cover for the Overseas Return Trip that eligibility condition 3 applies to, subject to the Policy’s full terms and conditions. There is no cover under this Policy if:
You do not meet the eligibility criteria;
You are going on a One- Way Trip;
The Macquarie Bank Card Account has been cancelled, suspended or terminated;
The Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within each cover section and the General Exclusions within this Policy.

Macquarie Platinum Credit Card Macquarie Group Limited 13 Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy, the following eligibility criteria needs to be met: When are the benefits available under this Policy? When are no benefits available under this Policy? Travel Insurance Cover (Sections B to J)

You are a Covered Person.
You are a Resident of Australia.
You are either: i. going on a Domestic Return Trip, and prior to the Trip departure date You: A. spend $500 or more on accommodation; or B. pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination; using: A. the Card Member’s Macquarie Bank Card Account; and/or B. the Card Member’s corresponding Macquarie Rewards points and/ or any gift card purchased using Macquarie Rewards points. ii. going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using: A. the Card Member’s Macquarie Bank Card Account; and/or B. the Card Member’s corresponding Macquarie Rewards points and/ or any gift card purchased using Macquarie Rewards points.
The Macquarie Bank Card Account is in force (meaning it is not cancelled, suspended or terminated) when You meet condition 3. If You have satisfied the eligibility criteria, You will have access to cover for the Domestic Return Trip or Overseas Return Trip that eligibility condition 3 applies to, subject to the Policy’s full terms and conditions. There is no cover under this Policy if:
You do not meet the eligibility criteria;
You are going on a One- Way Trip;
The Macquarie Bank Card Account has been cancelled, suspended or terminated;
The Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within each cover section and the General Exclusions within this Policy.

Macquarie Platinum Credit Card Macquarie Group Limited 14 Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy, the following eligibility criteria needs to be met: When are the benefits available under this Policy? When are no benefits available under this Policy? Rental Vehicle Excess Cover (Section K)

You are a Covered Person.
You are a Resident of Australia.
You pay the entire cost for renting a Rental Vehicle including the insurance for loss or damage to the Rental Vehicle using: i. the Card Member’s Macquarie Bank Card Account.
The Macquarie Bank Card Account is in force (meaning it is not cancelled, suspended or terminated) when You meet condition 3. If You have satisfied the eligibility criteria, You will have access to cover for the excess applicable to the Rental Vehicle that eligibility condition 3 applies to, subject to the Policy’s full terms and conditions. There is no cover under this Policy if:
You do not meet the eligibility criteria;
The Macquarie Bank Card Account has been cancelled, suspended or terminated;
The Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within this cover section and the General Exclusions within this Policy. Card Purchase Cover (Section L), Buyer’s Advantage Cover (Section M)
You are a Covered Person.
You are a Resident of Australia.
You purchase an Eligible Item and pay the entire cost using the Card Member’s Macquarie Bank Card Account.
The Macquarie Bank Card Account is in force (meaning it is not cancelled, suspended or terminated) when You meet condition 3. If You have satisfied the eligibility criteria, You will have access to cover for the Eligible Items that eligibility condition 3 applies to, subject to the Policy’s full terms and conditions. There is no cover under this Policy if:
You do not meet the eligibility criteria;
The Macquarie Bank Card Account has been cancelled, suspended or terminated;
the Group Policy is terminated. Please also refer to the Terms, Conditions and Exclusions within each cover section as well as the General Exclusions within this Policy.

Macquarie Platinum Credit Card Macquarie Group Limited 15 Definitions The following words when used with capital letters in this document have the meaning given below. Wherever these words are used in plural in this Policy, they have the same meaning as the singular form shown below. Accidental Death means death occurring as a result of an Injury. Additional Card Member means a person who holds an additional Macquarie Bank Card Account which attaches to the Card Member and may have previously been referred to as a supplementary card member. Australia means the area enclosed by the territorial waters of the Commonwealth of Australia where Medicare benefits are payable. ‘Australian’ has a corresponding meaning. Card Member means the person who is the primary account holder of an issued Macquarie Bank Card Account. Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No. 239687) of Grosvenor Place, Level 38, 225 George Street, SYDNEY NSW 2000 (Chubb). Chubb Assistance means the service provider acting on behalf of Chubb to provide emergency assistance. Close Relative means Spouse, de-facto, parent, parent- in-law, step-parent, child, brother, half-brother, step- brother, brother-in-law, sister, half-sister, step-sister, sister-in-law, daughter-in-law, son-in-law, niece, nephew, uncle, aunt, grandparent or grandchild. Covered Person means the Card Member or an Additional Card Member, and their accompanying:

Spouse; and
legally Dependent Child(ren). COVID-19 means Coronavirus disease an infectious disease caused by the SARS-CoV-2 virus, or any variation or mutation of that virus. Dentist means a dentist or dental surgeon who is registered or licensed to practice dentistry under the laws of the country in which they practice, other than You or Your Close Relative, unless approved by Chubb Assistance, which will not unreasonably be withheld. Dependent Child(ren) means any child (including stepchild or adopted child) of a Card Member, Additional Card Member or Spouse who is primarily dependent upon the Card Member, Additional Card Member or Spouse for maintenance and support, where the child travels with the Card Member or Additional Card Member on the Trip and the child is: a. nineteen (19) years of age or younger; or b. twenty-five (25) years of age or younger and; i. a full-time student of an accredited institution of higher learning; or ii. permanently mentally or physically incapable of self-support, as confirmed by medical evidence from a Doctor. Doctor means a medical practitioner or specialist (an expert in a specific area of medicine) who is registered or licensed to practice medicine under the laws of the country in which they practice, other than You or Your Close Relative, unless approved by Chubb Assistance, which will not unreasonably be withheld. Domestic Return Trip means a trip within Australia having at least one (1) overnight stay at Your destination which is more than 150-kilometre radius from Your Home: starting: a. when You leave Your Home or Your Work, whichever occurs last, to travel to Your destination, and ending the earlier of: b. when You return to Your Home or Your Work, whichever occurs first; or c. when Your Trip exceeds fourteen (14) consecutive days. Eligible Item means an item:
that is purchased from a retailer solely for personal use; and
that is new and has not been used in any way at the time of purchase; and
the cost of which has been charged to the Card Member’s Macquarie Bank Card Account. Event(s) means an occurrence that could give rise to a claim for a benefit under this Policy. Any one occurrence or series of occurrences attributable to one source or originating cause is deemed to be one Event. Excess means:
for Section E – Loss of Income cover only, the 30-day time period which You have to wait until a benefit may be payable; or

Macquarie Platinum Credit Card Macquarie Group Limited 16 2. for all other sections, the amount specified in the Schedule of Benefits that is payable by each Covered Person for each claimable Event, when indicated. This means that if a claim is covered, the Excess will be deducted from Your claim amount before any limits have been applied to the amount being claimed. For example, if the excess is $250 and Your claim is accepted, and You are claiming $500 (where no depreciation or other limit applies), the calculation is: (-$250) (the excess) + $500 = $250. Excluded Sports and Activities means boxing; cave diving; horse jumping; horse riding; hunting and hunting on horseback; professional sports; canyoning; caving; diving; mountain-climbing; steeple chasing; any form of motor racing, speed, performance or endurance tests; abseiling; American football; bob sleigh; bungee jumping; base jumping, canoeing; clay pigeon shooting; deep sea fishing; four-wheel driving adventures; go-karting; hang gliding; heli-skiing; hockey; hot air ballooning; ice hockey; jet biking and jet skiing; martial arts; micro-lighting; mountain biking off tarmac; mountaineering; parachuting; paragliding; parascending; paraskiing; polo; quad biking; rock climbing; SCUBA diving deeper than thirty (30) metres; skidoo; ski-jumping; ski-racing; ski- stunting; tour operator safari (where You or any tourist will be carrying guns); trekking requiring climbing equipment and/or ascending above 3,000 metres from sea level; war games/paint ball; white water rafting; yachting more than twenty (20) nautical miles from the nearest coastline; participation in ultra-marathon, biathlon or triathlon race event. Forcible Entry means unlawful entry by forcible and violent means, as evidenced by a broken window, damaged or picked lock, broken hinge or door handle. Group Policy means the group policy of insurance held by Macquarie Bank as detailed in the ’Terms and Conditions’ section of this Policy. Hijack means the unlawful seizure of or wrongful exercise of control of the aircraft or other Public Transport on which You are travelling. ‘Hijacking’, ‘Hijacked’ and ‘Hijackers’ have the same corresponding meaning. Home means Your usual place of residence in Australia (where You live). Illness means a sickness or disease (including COVID-19) which requires Treatment by a Doctor or a Dentist. An Illness is not a Pre-Existing Medical Condition and is not an Injury. Injury means an accidental bodily injury resulting solely and directly from: a. a sudden, external and identifiable Event that happens by chance and could not have been expected from the perspective of the Covered Person; and b. which occurs independently of any Illness or any other cause; and c. causes a loss within twelve (12) months of the accident. It does not mean an Illness or any Pre-Existing Medical Condition. Insolvency means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction. Long Overseas Trip means an Overseas Return Trip with an itinerary of 15 days or more. Macquarie Bank means Macquarie Bank Limited, the Policy holder. Macquarie Bank Card Account means an account issued by Macquarie Bank which is current (meaning it is not suspended or cancelled) for the following card product: a. Macquarie Bank Platinum Credit Card. Manual Work means paid work which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial, supervisory, sales or administrative capacity). It also means manual labour of any kind including, but not restricted to, hands-on work such as a plumber, electrician, lighting or sound technician, carpenter, painter, decorator or builder. Medical Emergency means an Injury, sudden and unforeseen Illness or dental issue, suffered by You while on an Overseas Return Trip (except when in Australia), which results in Your immediate need for Treatment which cannot be reasonably delayed without causing discomfort or risk of potential aggravation of the Illness, issue or pain until Your return to Australia and where the Treatment is deemed necessary by a local treating Doctor who has assessed You for Treatment or by Chubb Assistance. Money means currency, travellers cheques, hotel and other redeemable holiday vouchers and petrol coupons. It does not mean cryptocurrency. Monthly Salary means:

for an employed person: Your regular monthly pre-tax base salary paid every calendar month excluding bonus, commission, overtime or any other variable income; or

Macquarie Platinum Credit Card Macquarie Group Limited 17 2. for a self-employed person: monthly pre-tax income derived from personal exertion, after deduction of all expenses incurred in connection with the derivation of that income, averaged over the period of twelve (12) months immediately preceding the loss of income or over such shorter period as they have been self-employed. Natural Disaster means volcanic eruption, flood (more than 20,000 square metres of normally dry land), tsunami, earthquake, landslide, hurricane, cyclone, typhoon, tornado or bushfire. It does not mean any infectious or contagious disease or virus regardless of transmission (including pandemic or epidemic). Non-Scheduled Flight means a flight on an aircraft whose flights are not conducted in accordance with fixed flying schedules, over specific air routes, to and from fixed terminals. For example, a privately hired, rented or chartered air transport (such as a private jet or plane or helicopter). One-Way Trip means any trip for which You are unable to provide evidence of Your intention to return to Your Home or Your Work. Overseas Return Trip means a trip where Your destination is outside of Australia: starting: a. when You leave Your Home or Your Work, whichever occurs last, to travel to the airport to fly on Your Scheduled Flight; or b. when You leave Your Home or Your Work, whichever occurs last, to travel to a harbour port to board a Scheduled Cruise; and ending the earlier of: c. when You return to Your Home or Your Work (whichever occurs first) having travelled from the airport or harbour port; or d. when Your Trip exceeds ninety (90) consecutive days. Pair or Set means a number of items used together, associated as being similar or corresponding (including attached and unattached accessories) and being regarded as one (1) unit. Permanent Disablement means a loss caused by an Injury which results in the: a. complete and permanent severance of a foot at or above the ankle joint; or b. complete and permanent severance of a hand at or above the wrist; or c. irrecoverable loss of the entire sight of an eye. Personal Baggage means items of necessity, ornament or personal convenience or personal use for Your individual use during the Trip, including clothing, toiletries, and personal effects worn or carried by You within a suitcase (or similar). It does not include Valuables. Policy means this document which details the insurance benefits available to You under the Group Policy including all relevant terms, conditions and exclusions. Pre-Existing Medical Condition means any physical defect, medical or dental condition, illness, injury or disease that:

within the two (2) years prior to You making Your Relevant Travel Purchase: a. requires either of the following: i. ongoing medication for Treatment or risk factor control; ii. prescribed medication from a Doctor; iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor prior to You making Your Relevant Travel Purchase to be cured or in complete remission); or iv. surgery; or b. is either: i. related to cancer; or ii. under investigation; or iii. pending diagnosis or test results; or iv. chronic or arthritic; or
within the three (3) years prior to You making Your Relevant Travel Purchase involves: a. any of the following body parts: i. heart; ii. brain (other than a mental health related condition); iii. liver; iv. back; v. spine; vi. kidneys; vii. cardiovascular or circulatory or respiratory system; and b. where such medical condition either: i. involved a hospital emergency visitation or being an inpatient in hospital; or ii. required or requires surgery, a specialist appointment or consultation; or

Macquarie Platinum Credit Card Macquarie Group Limited 18 iii. requires: A. ongoing medication for treatment or risk factor control; or B. prescribed medication from a Doctor; or C. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor prior to You making Your Relevant Travel Purchase, to be cured or in complete remission); or c. is currently either: i. under investigation; or ii. pending diagnosis or test results; or 3. within the three (3) months immediately prior to You making Your Relevant Travel Purchase led to the manifestation of symptoms where a reasonable person in the circumstances would be expected to be aware of. Public Place means, but is not limited to, shops, buses, planes, trains, taxis, airports, bus depots, hotel foyers, restaurants, cafes, beaches, entertainment venues and any place that is accessible by the public. Public Transport means an air, land, water or rail passenger transport that operates to a published timetable or schedule and is available to the public. It does not mean privately hired, rented or chartered air, land or water transport (such as a taxi, Uber, Limousines, helicopter, private jet or plane). Relevant Travel Purchase means:

if You are going on a Domestic Return Trip, prior to the Trip departure date You: i. spend $500 or more on accommodation; or ii. pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination,
if You are going on an Overseas Return Trip, prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia; using: i. the Card Member’s Macquarie Bank Card Account; and/or ii. the Card Member’s corresponding Macquarie Rewards points and/or any gift card purchased using Macquarie Rewards points. Rental Agreement means the contract of hire between the Rental Company and You in respect of a Rental Vehicle. Rental Company means a company or agency that hires Rental Vehicles and is fully licenced with the regulatory authority of the Country, state or local authority where the Rental Vehicle is collected. Rental Vehicle means any sedan, station wagon, hatchback, sports utility vehicle (SUV) or other non- commercial vehicle rented under a Rental Agreement on a daily or weekly basis from a Rental Company. It does not mean trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles. Rental Vehicle Deductible means the amount (insurance excess) payable by You for each and every claim when You have purchased the comprehensive vehicle insurance proposed by the Rental Company. Repatriation/Evacuation means Your:
transportation to the nearest hospital, if transportation is not provided free of charge in the country of incident; or
evacuation to the nearest adequately equipped hospital in the event that local medical facilities consider they cannot adequately treat You or where Chubb Assistance’s medical officer considers local medical facilities to be inadequate; or
repatriation directly to Australia when permitted by the local treating Doctor or when recommended by Chubb Assistance’s medical officer; or
return to Australia after hospitalisation, provided that You are deemed to be medically fit for travel by a treating Doctor or by Chubb Assistance’s medical officer, and that Your original means of transportation cannot be used. Resident of Australia means an Australian citizen, holder of an Australian permanent residency visa, partner/ spouse visa, Australian skilled migrant visa (including 457 and Temporary Skill Shortage (TSS) visa), or a student visa: a. with a right to entry into Australia in accordance with their citizenship, residency or visa; b. with access to long-term medical care in Australia; c. who has a permanent Australian residential address; and d. who currently resides in Australia. Scheduled Airline means airline passenger transport that operates to a published timetable or schedule and is available to the general public. It does not mean privately hired, rented or chartered air transport (such private jet or plane or helicopter).

Macquarie Platinum Credit Card Macquarie Group Limited 19 Scheduled Cruise means passenger transport that operates to a published timetable or schedule and is available to the general public. It does not mean privately hired, rented or chartered sea transport (such as water taxi, private boat, cruising on a cargo ship). Scheduled Flight means a flight in an aircraft on a Scheduled Airline. Schengen Visa means You holding a valid visa that enables You to enter, freely travel within, and leave any of the Schengen member countries within Europe. Secure Area means the locked dashboard, glove compartment, boot or luggage compartment of a motor vehicle including the locked luggage compartment of a hatchback or station wagon, the fixed storage units of a motorised or towed caravan, or a locked luggage box locked to a roof rack locked to the vehicle, providing that, in each case, all items are out of sight. Smartphone means an electronic device used for mobile telecommunications over a cellular network (including but not limited to, Apple, Samsung, Huawei or similar). Smartphone does not mean tablets or smart watches. Special Event means a wedding, funeral, pre-paid conference, pre-paid sporting event, pre-paid concert or festival, which before You started Your Trip You had planned to attend. Spouse means the Card Member’s or the Additional Card Member’s husband, wife, fiancé, defacto and travels with the Card Member or Additional Card Member on the Trip. Terrorism means activities against persons, organisations or property of any nature: a. that involves the following or preparation for the following: i. use of, or threat of, force or violence; ii. commission of, or threat of, force or violence; or iii. commission of, or threat of, an act that interferes with or disrupts an electronic, communication, information, or mechanical system; and b. when one (1) or both of the following applies; i. the effect is to intimidate or coerce a government of the civilian population or any segment thereof, or to disrupt any segment of the economy; and/or ii. it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. Temporary Total Disablement means the temporary inability of You to engage in Your Usual Work, while You are under the regular care of and acting in accordance with the instructions or advice of a Doctor. If self- employed, Temporary Total Disablement must prevent You from helping, managing or carrying out any part of the day-to-day running of a business. Terminal Illness means a medical condition for which a terminal prognosis has been given by a qualified Doctor and which is likely to result in death. Travel Documents means travel tickets, passports, visas and driving licence. Travelling Companion means a person travelling with You on a Trip which has the same travel itinerary as You. Treatment means surgical or medical procedures performed by a Doctor or qualified Dentist where the sole purpose of which is to cure or relieve Illness or Injury. Trip means:

a Domestic Return Trip; or
an Overseas Return Trip. Unattended means when Your Personal Baggage, Valuables, Money, Travel Documents or an Eligible Item are not: a. worn or carried by You; or b. under Your observation within three (3) metres of You. Usual Work means permanent full or part time employment, including self-employment, which you are engaged in prior to Your Overseas Return Trip starting and that You intend to return to at the end of Your Overseas Return Trip. Valuables means jewellery; furs; articles containing precious metals or precious stones; watches; binoculars; audio equipment or devices; photographic and electronic equipment or devices; Smartphones; personal organisers and games consoles; laptops and external computer devices (including all printers, modems, external hard drives and similar). We/Our/Us means Chubb. Work means Your usual place of work within Australia having a fixed physical address. You/Your means a Covered Person.

Macquarie Platinum Credit Card Macquarie Group Limited 20 Coverage Summary The coverage summary table below is a summary of cover only, it is not an exhaustive list of all limits, terms, conditions or exclusions in this Policy. It can be used as a quick reference to understand key coverage elements to each cover section. For a full understanding of what is covered, when You are covered and where cover does not apply, please refer to the individual section including the General Exclusions within this Policy. You should always read the full Policy for comprehensive details. The benefits provided are subject to the terms, conditions and exclusions contained within this Policy. Cover Section Cover Description Key Exclusions and Limitations Section A Overseas Medical Emergency Expenses Cover Provides cover for: • Repatriation/ Evacuation, the cost of medical and dental Treatment and reasonable extra accommodation costs, in the event of a Medical Emergency while on Your Overseas Trip (except when You are in Australia); • transportation of Your remains or burial expenses if You die during Your Trip. IMPORTANT: No cover is available under this cover section if You are eighty-six (86) years of age or older at the date You make a Relevant Travel Purchase. Refer to the Eligibility for Insurance Table for full details. • Your Pre-Existing Medical Conditions; • any expenses if You are eighty-six (86) years of age or older at the time You make Your Relevant Travel Purchase; • costs arising from Your participation in Excluded Sports and Activities; • medical costs if You do not make reasonable attempts to contact Chubb Assistance where You were reasonably able to do so; • loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip); • costs arising from or related to Trips where the following advice has been provided prior to starting Your Trip, − an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) has issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to; or − a Doctor advised You not to travel.

Macquarie Platinum Credit Card Macquarie Group Limited 21 Cover Section Cover Description Key Exclusions and Limitations Section B Trip Cancellation and Amendment Cover Provides cover in the event You must Cancel, Curtail or change Your Trip for the following reasons: • You or Your Travelling Companion being, in the opinion of a treating Doctor, unfit to begin or continue Your Trip due to an Injury, suffering an unforeseen Illness or dying before or during Your Trip; • Your Close Relative, or a Close Relative of a Travelling Companion, having an Injury, suffering an unforeseen Illness or dying before or during Your Trip; • a Natural Disaster has caused devastation to the destination You were intending to travel; • as a result of a Natural Disaster, an Australian State, Territory, or the Australian Federal Government or an Australian government agency (such as DFAT – Department of Trade and Foreign Affairs) have issued, or upgraded a travel advisory warning advising You to ‘Do Not Travel’ or that borders are closed at the destination You were intending to travel, and the warning was published or the borders were closed after You: − made Your Relevant Travel Purchase (for Cancellation claims); or − started Your Trip (for Curtailment and Trip Change claims). Cover varies depending on the Trip type (overseas or domestic). What is covered? Non-refundable deposits, excursion costs and unused travel and accommodation costs You have paid in advance. • You or any other person having a change of mind and deciding not to start a Trip, continue with the Trip or any other disinclination to travel; • Cancellation, Curtailment or Trip Change due to Pre-Existing Medical Conditions; • Close Relative who is not a Resident of Australia; • circumstances where Cancellation, Curtailment or Trip Change was foreseeable, avoidable, unnecessary or within Your control at the time of making a Relevant Travel Purchase (for Cancellation) or before starting a Trip (for Curtailment or Trip Change); • additional costs incurred due to Your failure to notify the carrier or travel agent as soon as reasonably practicable that Your Trip is to be Cancelled or Curtailed; • any government regulation, conditions, prohibition or restriction, including but not limited to: − mandatory quarantine, except where You have a valid Trip Change or Curtailment claim under specified Event 1 of Section B and incur reasonable additional travel or accommodation expenses resulting from the quarantine; − border closures and/or government travel advisories except where You have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to specified Event 10 of Section B; • loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is covered under specified Events 1 and 2). Section C Accidental Death Cover • Cover in the event an Injury results in Your Accidental Death whilst on an Overseas Return Trip. • Your death if it occurs in Australia; • death caused by Illness, a Pre-Existing Medical Condition or natural causes.

Macquarie Platinum Credit Card Macquarie Group Limited 22 Cover Section Cover Description Key Exclusions and Limitations Section D Public Transport Accident Cover • Provides cover for Accidental Death or Permanent Disablement arising: − while travelling as a passenger on Public Transport; or − from exposure and disappearance, if the Public Transport You were travelling on disappeared, sank, or was wrecked, while on an Overseas Return Trip. • privately hired, rented or chartered transport; • Your Accidental Death or Permanent Disablement if it occurs within Australia; • We will only pay one (1) benefit type amount for any one (1) accident or Injury, being the highest benefit type amount for a Card Member, Additional Card Member, Spouse or Dependent Child(ren). Section E Loss of Income Cover Provides cover for loss of Your Monthly Salary if You are employed or self-employed and during an Overseas Return Trip suffer an Injury which results in Temporary Total Disablement and a loss of Your Monthly Salary for thirty (30) days or more. Any future income You expect or could receive as part of any bonus or bonus structure, salary increase, salary sacrifice scheme or employee benefit scheme (such as shares). Section F Resumption of Long Overseas Trip Cover Provides cover for costs to resume Your Long Overseas Trip (when You have more than fourteen (14) days from the return date of Your Long Overseas Trip) after it has been interrupted following the death, Injury or unforeseen Illness of a Close Relative. • Costs if You do not resume Your Long Overseas Trip within thirty (30) days of returning to Australia and have fourteen (14) days or less remaining from the return date of Your Long Overseas Trip; • Close Relative who is not a Resident of Australia; • costs where there was a reasonable likelihood that a return Home may be necessary or a reasonable person under the circumstances would have foreseen prior to making the Relevant Travel Purchase, arranging, rearranging the Trip may lead to Your return Home from a Long Overseas Trip. Section G Trip Delay Cover Provides cover for: • Delayed Interstate Flights of four (4) hours or more; • Delayed flight departure of six (6) hours or more, flight cancellation, denied flight boarding, missed flight connection on Overseas Return Trips; • twelve (12) hour Personal Baggage delay checked-in on Scheduled Flight. The amount of cover varies for each benefit. • Personal Baggage delay or extended Personal Baggage delay when checked-in on the Scheduled Flight that returns You Home; • the purchase of clothing or toiletries that are not reasonably necessary for Your Trip; • costs if You fail to notify the transport provider or carrier about delayed or missing luggage or You do not obtain a luggage incident report from them or show You have taken reasonable steps to obtain one. • any delay or cancellation of a Scheduled Flight as a result of COVID-19.

Macquarie Platinum Credit Card Macquarie Group Limited 23 Cover Section Cover Description Key Exclusions and Limitations Section H Personal Baggage, Valuables, Money and Travel Documents Cover Provides cover for damaged, destroyed, lost, stolen Personal Baggage, Valuables, Money and Travel Documents during Your Trip. • Valuables or Money within Your Personal Baggage checked-in or stowed in the luggage hold of an airplane, ship, bus or train; • Valuables and/or Money that are left Unattended in a motor vehicle; • items left Unattended in a Public Place (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation); • where a written report from local police, carrier, tour or transport operator or accommodation provider cannot be provided or where the Covered Person is unable to show they have taken reasonable steps to obtain a written report; • deductions will be applied for depreciation (wear and tear), as explained in Section H. Section I Hijack Cover If Your Public Transport is Hijacked and You are detained for more than twenty-four (24) hours, covers the cost of Your Close Relatives travelling to stay at the place of Hijack. • We will not act as Your negotiator or intermediary or advise You or any other person in dealing with the Hijackers; • Hijacking by a member of Your family, Close Relative or Travelling Companion. Section J Personal Liability Cover Covers Your liability if You damage someone’s property or cause them Injury. • You intentionally incurring any liability; • Injury to any person who is a member of Your family, a Close Relative, a Travelling Companion or any person under a contract of service or apprenticeship with You; • any damage or Injury out of the ownership, possession, control or use by You or on Your behalf of: − mechanically propelled vehicles (including scooters), aircraft (including drones), hovercraft or watercraft (other than non- mechanically propelled watercraft less than ten (10) metres in length); − firearms; − animals (other than horses and domestic pets).

Macquarie Platinum Credit Card Macquarie Group Limited 24 Cover Section Cover Description Key Exclusions and Limitations Section K Rental Vehicle Excess Cover Provides cover for the excess for which You would be liable to pay when You hire a Rental Vehicle and Your Rental Vehicle is: a. damaged in a motor vehicle collision; or b. damaged by fire; or c. maliciously damaged; or d. stolen; whilst in Your control or custody. • The rental of trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles; • the operation of the Rental Vehicle which violates the terms of the Rental Agreement; • costs where You are not a nominated driver or specified driver under the Rental Agreement; • costs where You do not have an appropriate and a valid driving licence giving You legal rights to drive; • costs incurred by anyone who is not a Covered Person; • costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle. Section L Card Purchase Cover Provides cover for theft or damage to Eligible Items within ninety (90) days of purchase. • An Eligible Item left Unattended in a Public Place (unless You have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation); • An Eligible Item left Unattended in a motor vehicle except where they are locked in a Secure Area which has been accessed by Forcible Entry or You have no option other than to leave the Eligible Items Unattended due to an emergency medical, security or evacuation situation. Section M Buyer’s Advantage Cover Provides cover for the breakdown or defect of Eligible Items during the buyer’s advantage period. • Items purchased from a retailer outside Australia; • any costs other than for parts and/or labour costs resulting from a covered breakdown or defect.

25 Macquarie Platinum Credit Card Schedule of Benefits Please note that amounts quoted are in Australian dollars, unless otherwise noted. Travel Insurance Section of Cover Cover Benefit Limits - per Covered Person unless otherwise stated Limitations on Cover Overseas Return Trip Domestic Return Trip Excess Applies Age Limit Applies Section A Overseas Medical Emergency Expenses Cover

In the event of a medical emergency (section limit) Unlimited* for up to twelve (12) months from the date of the Injury or Illness (other than for any medical emergency as a result of an act of Terrorism which is sub-limited to $1,000,000) Not Covered $250 Yes You must be eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase.
Emergency Dental (sub-limit) Up to $1,250
Repatriation/Evacuation (sub-limit) Up to $500,000
Incidental expenses each 24 hours (sub- limit) Up to $100 per 24-hour period to a maximum of $12,000
Extra accommodation (room only) (sub- limit) Up to $200 per 24-hour period to a maximum of $4,000 6.a) Return economy airfare (sub-limit) Up to $1,500 6.b) Extra accommodation (room-only) (sub- limit) Up to $150 per 24-hour period to a maximum of $2,100
In the event of Your death (Repatriation/Funeral/Burial costs) Up to $20,000 Up to $20,000 In the event of Your death in a Schengen member state Up to 30,000 EUR Not Covered Section B Trip Cancellation and Amendment Cover (section limit) Unlimited Up to $3,000 $250 No b. Travel agent commission (sub-limit) Up to 15% or $1,000, whichever is the lesser Up to 15% or $750, whichever is the lesser c. Additional travel and accommodation (sub- limit) Up to $500 Up to $500 *unlimited costs for up to twelve (12) months from the date of the Injury or Illness.

26 Macquarie Platinum Credit Card Travel Insurance Section of Cover Cover Benefit Limits - per Covered Person unless otherwise stated Limitations on Cover Overseas Return Trip Domestic Return Trip Excess Applies Age Limit Applies Section C Accidental Death Cover Card Member /Additional Card Member Spouse Dependent Child Card Member/Additional Card Member/ Spouse/Dependent Child Nil No Accidental Death due to Injury $20,000 $15,000 $10,000 Not Covered Section D Public Transport Accident Cover Benefit Type Card Member/Additional Card Member/ Spouse/Dependent Child Card Member/Additional Card Member /Spouse/Dependent Child Nil No

Accidental Death or Permanent Disablement arising while travelling as a passenger on Public Transport
Accidental Death or Permanent Disablement arising from exposure
Accidental Death arising from disappearance while travelling on Public Transport i. Accidental Death $500,000 Not Covered Permanent Disablement: ii. Loss of both hands or both feet $500,000 Not Covered iii. Loss of one (1) hand and one (1) foot $500,000 Not Covered iv. Loss of entire sight of both eyes $500,000 Not Covered v. Loss of entire sight of one (1) eye and one (1) hand or one (1) foot $500,000 Not Covered vi. Loss of one (1) hand or one (1) foot $250,000 Not Covered vii. Loss of the entire sight of one (1) eye $250,000 Not Covered Section E Loss of Income Cover (section limit) Up to $12,000 Not Covered 30 days No Monthly Salary Up to $4,000 per month Section F Resumption of Long Overseas Trip Cover Not Covered $250 No

Returning to Australia for a Close Relative Up to $3,000
Returning to Australia for a Close Relative with a Pre-Existing Medical Condition Up to $2,000

27 Macquarie Platinum Credit Card Travel Insurance Section of Cover Cover Benefit Limits - per Covered Person unless otherwise stated Limitations on Cover Overseas Return Trip Domestic Return Trip Excess Applies Age Limit Applies Section G Trip Delay Cover Per Covered Person Maximum for all Covered Persons (when travelling together ) Per Covered Person Maximum for all Covered Persons (when travelling together ) No

Delayed Interstate Flight (while on a Domestic Return Trip) Not Covered Not Covered Up to $100, after 4 hours^ Up to $500, after 4 hours^ NIL
Delayed, cancelled, overbooked or missed onward flight (while on an Overseas Return Trip) Up to $750, after 6 hours Up to $1,500, after 6 hours Not Covered $250
Extended Delayed, cancelled, overbooked or missed onward flight Up to $500 per 24- hour period (first payable after 30 hours), to a maximum of $2,000 Up to $1,000 per 24- hour period (first payable after 30 hours), to a maximum of $4,000 Not Covered $250
Delay of Personal Baggage checked-in on Scheduled Flight Up to $500, after 12 hours Up to $1,000, after 12 hours Up to $100, after 12 hours Up to $500, after 12 hours $250 for Overseas Return Trips, NIL for Domestic Return Trips
Extended Delay Personal Baggage delay checked-in on Scheduled Flight Up to $500 per 24- hour period (first payable after 36 hours), to a maximum of $2,000 Up to $1,000 per 24- hour period (first payable after 36 hours), to a maximum of $4,000 Up to $100 per 24- hour period (first payable after 36 hours) to a maximum of $300 Up to $200 per 24- hour period (first payable after 36 hours) to a maximum of $600 $250 for Overseas Return Trips, NIL for Domestic Return Trips
Delayed arrival to a Special Event Up to $3,250 for all Covered Persons Not Covered $250 ^Cover is not available on intrastate flights.

28 Macquarie Platinum Credit Card Travel Insurance Section of Cover Cover Benefit Limits - per Covered Person unless otherwise stated Limitations on Cover Overseas Return Trip Domestic Return Trip Excess Applies Age Limit Applies Section H Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) Up to $15,000 Up to $2,000 $250 No a. Money and Travel Documents (sub-limit) Up to $500 Up to $250 b. Maximum total of all Valuables (including sub- limits i. to iv.); Up to $11,000 Up to $1,500 i. One (1) Smartphone (sub-limit); Up to $2,000 Up to $500 ii. One (1) laptop (sub-limit); Up to $3,500 Not Covered iii. One (1) camera (including lenses and accessories) (sub-limit); Up to $3,500 Up to $500 iv. Any other Valuable item (sub-limit) Up to $3,500 Up to $500 c. any other single item or Pair or Set of items (sub-limit) Up to $3,500 Up to $500 Section I Hijack Cover (section limit is an aggregate limit for all Your Close Relatives) Up to $6,700 Not Covered Nil No a. return economy airfare Up to $2,500 b. extra accommodation (room-only) for each twenty-four (24) hour period Up to $300 per 24-hour period to a maximum of $4,200 Section J Personal Liability Cover (section limit) Up to $2,500,000 Up to $1,000,000 $250 No Section K Rental Vehicle Excess Cover (section limit) Up to $5,000 Up to $5,000 $250 No Retail Item Protection Section of Cover Cover Benefit Limit Excess applies Age Limit Applies Section L Card Purchase Cover (section limit) Up to $25,000 in any one (1) calendar year (1 st January – 31 st December) period $250 No Per Eligible Item Up to $2,500 Section M Buyer’s Advantage Cover (section limit) Up to $10,000 any one (1) calendar year (1 st January – 31 st December) period $250 No Per Eligible Item Up to $10,000

29 Macquarie Platinum Credit Card Section A – Overseas Medical Emergency Expenses Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. IMPORTANT: No cover is available under Section A if You are eighty-six (86) years of age or older at the date You make a Relevant Travel Purchase. Refer to the Eligibility for Insurance Table for full details. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover

In the event of a Medical Emergency If: • You are aged eighty-five (85) years or younger at the time You make Your Relevant Travel Purchase, and • during Your Overseas Return Trip (except when You are in Australia), You have a Medical Emergency resulting from an Injury or Illness, which is not a Pre- Existing Medical Condition, We will pay or reimburse the reasonable expenses for:
Your emergency medical Treatment and hospital costs;
Your emergency dental Treatment to natural teeth;
Your Repatriation/Evacuation costs if approved by Chubb Assistance (such approval not to be unreasonably withheld or delayed) following consultation with the treating Doctor;
Your incidental expenses, such as food and toiletries expenses, which You may incur as a result of being hospitalised as an in-patient for each complete twenty-four (24) hour period;
reasonable extra accommodation costs (room-only) for You and any person who stays or travels with You to provide support or care, as reasonably agreed by Chubb Assistance;
if You are travelling alone, We will pay the reasonable costs for: i. a return economy airfare; and ii. extra accommodation (room-only); for Your friend or Close Relative to stay with You as reasonably agreed by Chubb Assistance. The maximum We will pay or reimburse under the Overseas Medical Emergency Expenses Cover is the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. However, We will stop paying costs and expenses prior to that limit being reached if one of the following first occurs: a. twelve (12) months have elapsed from the date of the Injury or Illness; or b. You return to Australia; or c. You are declared fit to travel to return to Australia by a treating Doctor or by Chubb Assistance’s medical officer, but You choose to remain overseas.
In the event of Your death If You die during Your Trip, Chubb Assistance will organise, arrange and pay the reasonable costs up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits for: a. transportation of Your remains to an airport of Your Home State or Territory in Australia; or b. cremation and subsequent transportation of Your remains to an airport of Your Home State or Territory in Australia; or c. local (in the country of Your death) burial. If You hold a valid Schengen Visa and in the event of Your death in a Schengen member state during Your Overseas Return Trip, the maximum amount We will pay in total will not exceed 30,000EUR for expenses incurred in that Schengen member state for Your burial or cremation. Terms and Conditions applicable to Overseas Medical Emergency Expenses Cover
You must be eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase.
We will not be liable to pay or reimburse You for any medical Treatment, hospital costs, dental Treatment or any other ancillary Treatment (i.e. physiotherapy) that are incurred in Australia.
You must take all reasonable measures to avoid or minimise any claim, to follow all applicable care and safety procedures notified to You by a treating Doctor or Chubb Assistance’s medical officer, to obtain help or assistance as soon as reasonably possible and avoid danger, except in an attempt to save human life.

30 Macquarie Platinum Credit Card 4. You must make all reasonable attempts to call (demonstrated in call logs) Chubb Assistance before seeking overseas emergency medical Treatment. If Your medical condition prevents You from calling, if possible, someone else should call on Your behalf, such as a relative, Travelling Companion, nurse or Doctor. If You do not make reasonable attempts to call Chubb Assistance before seeking emergency medical Treatment, or You chose to seek Treatment from a medical service provider not approved by Chubb Assistance, You may be responsible for Your medical expense costs to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance. 5. In the event of an overseas Medical Emergency, We will arrange Your transportation to the nearest hospital or evacuate You to the nearest adequately equipped hospital in the event that local medical facilities consider they cannot adequately treat You or where Chubb Assistance’s medical officer considers local medical facilities to be inadequate. 6. If Your original means of transportation cannot be used, We will repatriate You directly to Australia when You are deemed medically fit to travel by the local treating Doctor or by Chubb Assistance’s medical officer. 7. To understand the extent of Your Injury or Illness and what Treatment or Repatriation/Evacuation, if any, is required, We may seek a second independent Doctor or Dentist to review and confirm what medical Treatment, expenses or Repatriation/Evacuation is appropriate. 8. We will repatriate or evacuate You to Australia by the quickest and most direct route as determined by the treating Doctor or as recommended by Chubb Assistance’s medical officer. However, if You chose to be repatriated or evacuated without first discussing this with Chubb Assistance, You may be responsible for any costs to the extent that those Repatriation/ Evacuation costs could otherwise have been reduced through preferred medical providers arranged by Chubb. 9. If You do not hold a return airline ticket, an amount equal to the cost for an economy class one (1) way ticket to Australia from the location of the incident will be deducted from Your claim for Repatriation/ Evacuation expenses. 10. Claims for death will require a death certificate confirming the cause of death. If it is not reasonably practical to obtain a death certificate, You or Your legal representative must provide reasonable evidence in support of why a death certificate cannot be obtained, such as emails, call logs demonstrating Your or Your legal representative’s attempt to obtain the death certificate. 11. Benefits will be paid in Australian dollars to Your estate following death. Exclusions applicable to Overseas Medical Emergency Expenses Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:

Your Pre-Existing Medical Condition(s);
where You are eighty-six (86) years of age or older at the time You make Your Relevant Travel Purchase;
any medical Treatment, hospital costs, dental Treatment or any other ancillary Treatment (i.e. physiotherapy) that are incurred in Australia (including where such costs are incurred within the territorial waters of Australia);
costs that are incurred twelve (12) months after the date of the Injury or Illness first occurs;
Your failure to make any reasonable attempt to contact Chubb Assistance where You were reasonably able to do so;
Your participation in Excluded Sports and Activities;
participation in a sporting event where You receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000. Participation includes training for, coaching or otherwise competing in that sporting event;
dental Treatment caused by or related to the deterioration and/or decay of teeth or associated tissue;
dentures, crowns and orthodontics;
routine medical or dental Treatment or prenatal visits;
Treatment or prescription medication (including medication and ongoing immunisations) started prior to Your Overseas Return Trip;
Treatment performed by Close Relatives, except in a life-threatening emergency;

31 Macquarie Platinum Credit Card 13. You remaining overseas after Chubb Assistance confirms, based on medical evidence from the treating Doctor, that You are fit to travel and can return to Australia; 14. any expenses incurred in relation to Treatment that can reasonably be delayed until You return to Australia; 15. an Overseas Return Trip involving pre-planned Treatment, or for the purpose of obtaining Treatment, and Treatment for cosmetic reasons. Unless Chubb Assistance’s medical officer agrees that such Treatment is necessary as a result of any covered accident; 16. You engaging in Manual Work; 17. diagnostic or routine screening tests, unless recommended by a Doctor as part of Your emergency medical Treatment; 18. any costs incurred in a destination where an Australian State, Territory, or the Australian Federal Government or an Australian government agency (such as DFAT) have issued or upgraded a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to and this occurred prior to You starting Your Trip. This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel. Excess applicable to Overseas Medical Emergency Expenses Cover As noted in the Schedule of Benefits.

32 Macquarie Platinum Credit Card Section B – Trip Cancellation and Amendment Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. Specific Definitions under Trip Cancellation and Amendment Cover Cancellation means You do not start Your Trip at all. ‘Cancel’ and ‘Cancelled’ have the same meaning as Cancellation. Curtailment means You have started Your Trip and You have had to return to Your Home in Australia. ‘Curtail’ and ‘Curtailed’ have the same meaning as Curtailment. Trip Change means where You have started Your Trip and You must make changes to Your planned Trip, but do not have to return Home any earlier than intended. What We Cover If You have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to one of the following unforeseen specified Events:

You or Your Travelling Companion, as confirmed in writing by a treating Doctor, being unfit to begin or continue Your Trip due to an Injury, suffering an unforeseen Illness or dying;
Your Close Relative, or a Close Relative of a Travelling Companion, where the Close Relative: i. is a Resident of Australia; having an Injury, suffering an unforeseen Illness (as confirmed in writing by a treating Doctor) or their death (as confirmed by a death certificate);
Your redundancy which qualifies for redundancy payments under current legislation;
You being in the Australian armed services (military, naval or air service) or emergency services (police, fire, ambulance) and Your leave is revoked;
You being called for jury service or being subpoenaed as a witness other than in a professional or advisory capacity;
a Special Event You were attending has been cancelled or postponed;
You have to sit unexpected exams in regards to studies You are undertaking;
Your passport, travel tickets or visas are lost or stolen;
Your paid transport has been cancelled by your transport provider as a result of: i. riot, strike, civil commotion; ii. adverse weather (including a Natural Disaster); iii. mechanical breakdown of the transport You planned to travel on; provided that there had been no published official warning, prior to Your Relevant Travel Purchase, that any such Event had occurred or was likely to occur;
there is a Natural Disaster, or a Natural Disaster has recently happened or is reasonably expected to happen at Your Trip destination, provided that there had been no published official warning, prior to Your Relevant Travel Purchase, that any such Event had occurred or was likely to occur;
there is a Natural Disaster or the imminent risk of one at Your Home in Australia which requires You to Cancel or Curtail Your Trip, provided the Australian Government (State, Territory or Federal Government) or an Australian government agency (such as the National Emergency Management Agency or state- based equivalent) issues an official warning of the Natural Disaster or the imminent risk of one;
as a result of a Natural Disaster, the Australian Government (State, Territory or Federal Government) or an Australian government agency (such as the Department of Trade and Foreign Affairs (DFAT)) issues or upgrades a travel advisory warning that advises ‘Do Not Travel’ to the destination You planned to travel to, or that destination’s borders are closed, and the warning was published or the borders closed after You: i. made Your Relevant Travel Purchase, in the case of a claim for Cancellation; or ii. start Your Trip in the case of a claim for a Curtailment or Trip Change;

33 Macquarie Platinum Credit Card We will pay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits for: a. the non-refundable and unused: i. deposits that You have paid in advance; ii. excursion costs that You have paid in advance; iii. travel and accommodation costs that You have paid in advance; b. the non-refundable travel agents’ commission; c. any other reasonable additional travel or accommodation (room only) expenses for a Trip Change or Curtailment. However, where You have incurred both additional travel and accommodation expenses as well as forfeited expenses, only the greater of each expense is payable under this Policy. For example, if You forfeited pre-paid accommodation for a particular night, but also incur additional accommodation expenses for the same night, only the highest amount will be payable. Terms and Conditions applicable to Trip Cancellation and Amendment Cover

Claims for Injury or Illness will require confirmation in writing by a treating Doctor confirming You or Your Travelling Companion are unfit to begin or continue Your Trip as a result of Injury or Illness. If a written confirmation is not provided, You must provide evidence that You have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence.
Claims for death will require death certificate confirming death. If a death certificate is not provided, You must provide evidence that You have taken reasonable steps to obtain the death certificate, such as emails, call logs or other reasonable evidence.
You must report theft of passport, travel tickets or visas to the: i. local police; and ii. appropriate issuing authority; and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the theft including details of the time and place You made the report, and the name and contact details of who You reported the theft or criminal damage to (to the extent such details are within Your power to provide).
You must report loss of passport, travel tickets or visas to the: i. appropriate issuing authority; and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the loss including details of the time and place You made the report, and the name and contact details of who You reported the loss to (to the extent such details are within Your power to provide).
Where the purchase of an airplane, ship, bus or train ticket (or part thereof) was done so using membership rewards points or similar points and the loss of such points cannot be recovered from any other source, We will calculate the loss by using the retail price associated with the travel provider of the issued ticket at the time the ticket was purchased.
You must take reasonable steps to recover any refund, credit note or voucher You are entitled to. Where You have received or been offered a refund, credit note or voucher for the cost of a booking, whether partially or in full, the amount offered or received is to be considered refundable. You are only eligible for cover under this cover section for non- refundable and unused costs. Exclusions applicable to Trip Cancellation and Amendment Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
You or any other person having a change of mind and deciding not to start a Trip, continue with the Trip or any other disinclination to travel;
Pre-Existing Medical Conditions (whether Yours, Your Travelling Companion’s or a Close Relative’s) except when You make a Cancellation, Curtailment or Trip Change due to the death of a Travelling Companion or Close Relative and provided the death was not as a result of a Terminal Illness;
Close Relatives who are not Resident(s) of Australia;
any costs where a refund, credit-note or voucher has been received or offered for the cost of the booking;
additional costs incurred due to Your failure to notify the carrier or travel agent as soon as reasonably possible that Your Trip is to be Cancelled or Curtailed;

34 Macquarie Platinum Credit Card 6. any government regulation, conditions, prohibition or restriction, including but not limited to: i. Your failure to hold or obtain a valid passport, visa, or other required documentation prior to commencing Your Trip; ii. mandatory quarantine except where You have a valid Trip Change or Curtailment claim under specified Event 1 of Section B and incur reasonable additional travel or accommodation expenses resulting from the quarantine; iii. border closures and/or government travel advisories, except where You have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to specified Event 12 of Section B; 7. where You do not meet the vaccination protocols required by a transport provider or an Australian State, Territory or the Australian Federal Government or the government of any destination You had planned to travel to, before they allow You to board the Public Transport; 8. Your failure to check-in at the required time for any flight, sea crossing, train or bus journey which is within Your control; 9. Cancellation caused by Your work commitments, or amendment of Your entitlement by Your employer, unless You are a member of the Australian armed services (military, naval or air service) or emergency services (police, fire, ambulance) and the expense or cost was incurred as a result of Your leave being revoked; 10. travel or accommodation costs for anyone that is not a Covered Person; 11. costs incurred in respect of any medical condition where You are unable to supply a medical certificate from Your treating Doctor confirming Cancellation, Curtailment or Trip Change was necessary and unavoidable. If a written confirmation is not provided, You must provide evidence that You have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence; 12. Your financial circumstances or any contractual or business obligation; 13. the failure of Your travel agent to pass on monies to operators or to deliver promised services; 14. a Cancellation due to a lack in the number of persons required to commence any tour, conference, accommodation or travel arrangements or due to the negligence (such as failed booking) of a wholesaler or operator; 15. the refusal, failure or inability of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with; 16. additional transportation or accommodation (room only) expenses which are payable under another section or benefit of this Policy; 17. any circumstances that were foreseeable, avoidable, unnecessary or within Your control: i. at the time You made Your Relevant Travel Purchase in the case of Cancellation, or ii. before You start Your Trip in the case of Curtailment or Trip Change. Excess applicable to Trip Cancellation and Amendment Cover As noted in the Schedule of Benefits.

35 Macquarie Platinum Credit Card Section C – Accidental Death Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover

Accidental Death due to Injury If during Your Overseas Return Trip, You suffer an Injury that results in Your Accidental Death within twelve (12) months of the date of the Injury, We will pay Your estate the applicable benefit amount up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits. If You are eligible for the higher Accidental Death benefit under Section D - Public Transport Accident Cover, the above benefit cannot also be claimed. Terms and Conditions applicable to Accidental Death Cover
Benefits will be paid in Australian dollars to Your estate.
Claims for Accidental Death will require death certificate confirming cause of death.
If You are also entitled to make a claim from Us under a separate insurance policy under another Macquarie Bank card, We will only make 1 payment in relation to the accident and loss in question. In that instance, We will pay the highest benefit amount applicable. Exclusions applicable to Accidental Death Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
Your death if it occurs within Australia;
the Accidental Death of a person that is not a Covered Person;
death caused by Illness, a Pre-Existing Medical Condition or natural causes;
costs where a claim has been paid under any other section of this Policy for the same Event. Excess applicable to Accidental Death Cover As noted in the Schedule of Benefits.

36 Macquarie Platinum Credit Card Section D – Public Transport Accident Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover

Accidental Death or Permanent Disablement arising while travelling as a passenger on Public Transport If during Your Overseas Return Trip, You sustain an Injury that results in Your Accidental Death or Permanent Disablement as described within the Schedule of Benefits as a result of: • travelling as a passenger on Public Transport, or • boarding or disembarking from Public Transport, We will pay the corresponding benefit amount noted in the Schedule of Benefits.
Accidental Death or Permanent Disablement arising from exposure If during Your Overseas Return Trip, You sustain an Injury due to exposure to excessive weather conditions that results in Your Accidental Death or Permanent Disablement described within the Schedule of Benefits due to the disappearance, sinking or wrecking of the Public Transport on which You were travelling on, We will pay the corresponding benefit amount noted in the Schedule of Benefits.
Accidental Death arising from disappearance while travelling on Public Transport If during Your Overseas Return Trip, You disappear due to the disappearance, sinking or wrecking of the Public Transport on which You were travelling, and Your body has not been found within 12 months, You will be deemed to have died at the time of Your disappearance and We will pay the corresponding Accidental Death benefit amount noted in the Schedule of Benefits. Terms and Conditions applicable to Public Transport Accident Cover
Benefits will be paid in Australian dollars to You, and in the case of Your Accidental Death, to Your estate.
We will only pay one benefit type (i-vii in the Schedule of Benefits) for each Event, even if multiple benefit types apply. If multiple benefit types apply, We will pay the benefit type with the highest benefit amount.
Claims for Permanent Disablement will require confirmation in writing by a treating Doctor as soon as reasonably possible. Medical certificates must be provided at Your own cost.
Claims for Accidental Death will require death certificate confirming cause of death. In the case of disappearance on Public Transport, a Covered Person or Your legal representative must provide reasonable evidence that the Covered Person’s body was not found within 12 months of the date of disappearance.
If You are also entitled to make a claim under the insurance cover provided by Us under another Macquarie Bank issued card account, We will only make one (1) payment in relation to the accident and loss in question. In that instance, We will pay the Event with the highest benefit. Exclusions applicable to Public Transport Accident Cover Please also refer to the General Exclusions applicable to all Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
travelling on privately hired, rented or chartered transport;
Your Accidental Death or Permanent Disablement if it occurs within Australia;
the Accidental Death or Permanent Disablement of a person that is not a Covered Person. Excess applicable to Public Transport Accident Cover As noted in the Schedule of Benefits.

37 Macquarie Platinum Credit Card Section E – Loss of Income Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover Temporary Total Disablement – Loss of Income Cover If You are employed or self-employed at the time You are on Your Overseas Return Trip, and during the course of Your Overseas Return Trip, You suffer an Injury which: a. was not a Pre-Existing Medical Condition; and b. leads to Temporary Total Disablement, as confirmed by Your treating Doctor; and c. causes the loss of Your entire regular Monthly Salary lasting thirty (30) days or longer We will pay for any one (1) Injury, Your Monthly Salary up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Loss of Income Cover

You must see a Doctor. The first day of Your Temporary Total Disablement is the date from which Your treating Doctor confirms You were unable to work.
You must provide Us with the treating Doctor’s certificate confirming Your continuing Temporary Total Disablement at the end of the first thirty (30) days and/or as soon as reasonably possible after thirty (30) days and after every subsequent thirty (30) day period or within a reasonable time if We request it. Medical certificates must be provided at Your cost.
We will pay one (1) monthly benefit on or after the thirty-first (31st) day and will continue to pay for each complete calendar month, or until You are no longer suffering Temporary Total Disablement as deemed to be medically fit by a treating Doctor or by Chubb Assistance’s medical officer.
After the first thirty (30) days of Temporary Total Disablement, if Temporary Total Disablement is less than a complete calendar month, We will pay a benefit of one-thirtieth (1/30th) of the monthly benefit for each subsequent day of Temporary Total Disablement.
In the event of claims for separate periods of Temporary Total Disablement resulting from the same or different conditions or causes, We will only pay a Temporary Total Disablement monthly benefit if You have been in employment or self-employed and engaged in Your usual employment duties for ninety (90) consecutive days between each period of Temporary Total Disablement.
If two (2) periods of Temporary Total Disablement resulting from the same condition or cause are separated by less than ninety (90) days, We will treat this as one (1) claim. Therefore, the first thirty (30) days will not apply to the second period of Temporary Total Disablement. However, We will not pay for any days when You did not suffer Temporary Total Disablement. Exclusions applicable to Loss of Income Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
any income where Your employment ends with the employer. Meaning: if Your employment ends before the Temporary Total Disablement then this cover does not apply or if Your employment ends after the Temporary Total Disablement, We will only pay up until the point Your employment ended;
any future income You expect or could receive as part of any bonus or bonus structure, salary increase, salary sacrifice scheme or employee benefit scheme (such as shares);
Pre-Existing Medical Conditions. Excess applicable to Loss of Income Cover As noted in the Schedule of Benefits.

38 Macquarie Platinum Credit Card Section F – Resumption of Long Overseas Trip Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover

Returning to Australia for a Close Relative In the event that You have to interrupt a Long Overseas Trip and return to Australia immediately following the: a. death; b. Injury; c. unforeseen Illness; of a Close Relative which was not as a result of a Pre- Existing Medical Condition and where the Close Relative is: a. a Resident of Australia; We will pay or reimburse the costs of a Scheduled Flight of equal class, seat or cost for You to resume Your Long Overseas Trip if: i. You resume Your Long Overseas Trip within thirty (30) days of returning to Australia; and ii. on the date You return to Australia You have more than fourteen (14) days remaining on Your Long Overseas Trip; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits.
Returning to Australia for a Close Relative with a Pre-Existing Medical Condition In the event that You have to interrupt a Long Overseas Trip and return to Australia immediately following the death of a Close Relative which was as a result of a Pre-Existing Medical Condition and where the Close Relative is: a. a Resident of Australia; We will pay or reimburse the costs of a Scheduled Flight of equal class, seat or cost for You to resume Your Long Overseas Trip if: i. You resume Your Long Overseas Trip within thirty (30) days of returning to Australia; and ii. on the date You return to Australia You have more than fourteen (14) days remaining on Your Long Overseas Trip; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Resumption of Long Overseas Trip Cover
We will deduct any airline refunds or travel credits You receive from the amount We pay or reimburse.
We will deduct any airfares reimbursed under Section B - Trip Cancellation and Amendment Cover.
We will only pay or reimburse for airfares that are of equal class, seat or cost to that of the original booking.
The resumption of Your Long Overseas Trip must be in the country You left to return Home or the country You would be in had Your return Home not occurred based on the original travel schedule.
You must resume Your Long Overseas Trip within thirty (30) days of returning to Australia.
On the date You return to Australia, You must have more than fourteen (14) days remaining on Your Long Overseas Trip.
We will only pay if the death, imminent death, Injury or unforeseen Illness of a Close Relative occurred after You make Your Relevant Travel Purchase. Exclusions applicable to Resumption of Long Overseas Trip Cover Please also refer to the General Exclusions applicable to All Sections within this Policy.

39 Macquarie Platinum Credit Card We will not pay for or reimburse any costs arising from or relating to:

costs from the death, Injury or unforeseen Illness of any Close Relative that occurred before You made Your Relevant Travel Purchase;
any Terminal Illness of a Close Relative which was diagnosed before You made Your Relevant Travel Purchase;
Close Relatives who are not Resident(s) of Australia;
any transportation costs within Australia;
airfare costs to resume Your Long Overseas Trip where You have made a Claim under Section B - Trip Cancellation and Amendment Cover;
costs where there was a reasonable likelihood that a return Home may be necessary or a reasonable person under the circumstances would have foreseen prior to making the Relevant Travel Purchase or booking, arrangement or rearrangement the Long Overseas Trip, may lead Your return Home from a Long Overseas Trip;
any airfares for which have not been booked and paid for before You started Your Long Overseas Trip;
costs where a claim has been paid under any other section of this Policy for the same Event. Excess applicable to Resumption of Long Overseas Trip Cover As noted in the Schedule of Benefits.

40 Macquarie Platinum Credit Card Section G – Trip Delay Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. Specific Definitions under Trip Delay Cover Interstate Flight means travel on a Scheduled Flight from Tasmania to any mainland Australian State or Territory or from any mainland Australian State or Territory to another mainland State or Territory or to Tasmania. What We Cover

Delayed Interstate Flight If during Your Domestic Return Trip, Your Interstate Flight is: i. delayed for four (4) hours or more; and ii. no alternative transport is made available to You; We will reimburse You for meals and refreshments up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits.
Delayed, cancelled, overbooked or missed onward flight If during Your Overseas Return Trip, Your Scheduled Flight is: i. delayed or cancelled for six (6) hours or more; or ii. You are denied boarding of the aircraft due to over-booking, and no alternative flight is made available to You within six (6) hours of the scheduled departure time of such flight; or iii. Your onward connecting Scheduled Flight is missed at the transfer point due to the late arrival of Your incoming connecting Scheduled Flight, and no alternative onward flight is made available to You within six (6) hours of the actual arrival time of the incoming flight; We will reimburse You for additional hotel accommodation (room-only) up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits.
Extended Delayed, cancelled, overbooked or missed onward flight If You have a claim under 2) Delayed, cancelled, overbooked or missed onward flight (above), We will also reimburse You for additional accommodation expenses (room only) for each full 24-hour period that the delay continues beyond the initial six (6) hour delay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits.
Delay of Personal Baggage checked-in on Scheduled Flight If during Your Trip, Your accompanying Personal Baggage, which is checked in on the Scheduled Flight is not delivered to You by the airline provider within twelve (12) hours of Your arrival at the scheduled destination point, We will reimburse You for the purchase of essential emergency clothing and toiletries which are required for use within the first twenty-four (24) hours of the Personal Baggage delay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. There is no cover under this section for loss arising from Personal Baggage delay when checked-in on the Scheduled Flight that returns You Home.
Extended Delay of Personal Baggage checked-in on Scheduled Flight If during Your Trip, Your accompanying Personal Baggage, which is checked in on the Scheduled Flight is not delivered to You by the airline provider upon Your arrival at the scheduled destination, We will reimburse You for the reasonable emergency purchase of essential clothing and toiletries for each additional twenty-four (24) hours after the initial twelve (12) hours baggage delay, up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits. There is no cover under this section for loss arising from extended Personal Baggage delay when checked-in on the Scheduled Flight that returns You Home.
Delayed arrival to a Special Event If during Your Overseas Return Trip, Your Scheduled Flight is delayed due to an unforeseeable circumstance outside Your control and as a result You would be unable to arrive in time for a Special Event, which cannot be delayed due to Your late arrival, We will pay reasonable additional expenses for the cost of alternative public transport to arrive at the Special Event, up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits.

41 Macquarie Platinum Credit Card Terms and Conditions applicable to Trip Delay Cover

In the event of a claim, You must provide Us with invoices and/or receipts.
Claims for lost or delayed luggage must be reported to the transport provider or carrier and a property irregularity report (such as a luggage incident report) obtained where reasonably possible. If a property irregularity report or incident report is not provided, You must provide evidence that You have taken reasonable steps to obtain a report, such as emails, call logs or other reasonable evidence. A copy of any property irregularity report obtained from the airline must be supplied to Us together with the following information: i. full details of the flight (airline, flight numbers, departure airport, destination, scheduled flight times and arrival airport); ii. full details of the delay or loss incurred; and iii. full details of expenses for which reimbursement is claimed.
We will deduct all credits, refunds and allowances provided or offered to You by the transport provider or carrier from the amount we pay or reimburse. Exclusions applicable to Trip Delay Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
the confiscation or requisition by any customs agency or other government authorities;
the purchase of clothing and toiletries that are not reasonably necessary for Your Trip;
any lost or delayed Personal Baggage where a property irregularity report is not provided and where You are unable to provide evidence that You have taken reasonable steps to obtain one. Such evidence includes emails and call logs to the transport provider;
Personal Baggage delay or extended Personal Baggage delay when checked-in on the Scheduled Flight that returns You Home;
any costs that relates to any other person for which You have paid for that is not a Covered Person;
where a claim has been paid under any other section of this Policy for the same Event.
any delay or cancellation of a Scheduled Flight as a result of COVID-19. Excess applicable to Trip Delay Cover As noted in the Schedule of Benefits.

42 Macquarie Platinum Credit Card Section H – Personal Baggage, Valuables, Money and Travel Documents Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover If during Your Trip, Your:

Personal Baggage, Valuables or Travel Documents are accidentally damaged or destroyed; or
Personal Baggage, Valuables, Money or Travel Documents are accidentally lost; or
Personal Baggage or Travel Documents are lost or stolen when they have been checked in or stowed in the luggage hold of an airplane, ship, bus or train, where You had no access to that Personal Baggage or Travel Documents until the end of the transport; or
Personal Baggage, Valuables, Money or Travel Documents are lost or stolen when they have been stowed in a specially designated area (such as overhead compartment, luggage rack or hotel storage room) on an airplane, ship, bus or train transport or with an accommodation provider; or
Personal Baggage, Valuables, Money or Travel Documents are stolen from Your locked accommodation (excluding motor vehicle accommodation) where the accommodation was reasonably able to be locked; or
Personal Baggage (excluding Valuables and Money) or Travel Documents left Unattended are stolen from a motor vehicle, where: i. items were locked out of sight in a Secure Area; and ii. Forcible Entry has been used by an unauthorised person to gain entry to the vehicle; and iii. evidence of such Forcible Entry is available; or
Personal Baggage, Valuables, Money or Travel Documents which are: i. carried by You; or ii. under Your observation and within three (3) metres of You are stolen; We will, after We deduct the Excess from Your claim, do one of the following: • pay You the reasonable costs for the item to be repaired if it is practical and economic for the item to be repaired; • If it is not practical and economic to repair the item, We will pay You the lesser of: i. the original purchase price of the item minus depreciation (wear and tear); or ii. the current replacement cost of the item with the same or nearest type (i.e. make and model) if the item is unavailable; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Personal Baggage, Valuables, Money and Travel Documents Cover
We will deduct the Excess from Your claim.
Any payment will be based on the item’s depreciated value, repair cost (to the condition before the loss) or current replacement cost, as outlined directly above.
You must take reasonable precautions for the safety and supervision of Your Personal Baggage, Valuables, Money and Travel Documents.
Any claims to a Pair or Set, if You agree to surrender the undamaged item(s) of the Pair or Set to Us and We agree to accept them, We will pay You the current replacement cost of the entire Pair or Set. If You do not agree to surrender the undamaged items, We will only be liable for the value of that part of a Pair or Set which has been lost, stolen, damaged or destroyed. For example, if one earring is stolen We will only pay 50% of the cost of replacement earrings.
If We ask, You must send to Us any damaged or undamaged items and pay for postage.

43 Macquarie Platinum Credit Card 6. Theft of Personal Baggage or Travel Documents (excluding Valuables or Money) left Unattended in a motor vehicle is subject to the following: i. items must be locked out of sight in a Secure Area, and ii. Forcible Entry must have been used by an unauthorised person to gain entry to the vehicle, and iii. evidence of such entry is available. 7. To support all claims, You must supply a copy of the item’s purchase receipt or invoice or an alternative written or printed proof of the purchase price or value. 8. You must report loss, theft or criminal damage to the: i. local police; or ii. appropriate issuing authority (in the case of Travel Documents), and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the loss, theft or criminal damage including details of the time and place You made the report, and the name and contact details of who You reported the loss, theft or criminal damage to (to the extent such details are within Your power to provide). 9. Claims for damaged items in transit must be reported to the carrier, tour, transport or accommodation provider and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to obtain a report, such as emails, call logs or other reasonable evidence to the travel or accommodation provider. 10. Benefits will not be payable under more than one section or benefit of this Policy as a result of one Event. We will, however, pay the benefit type with the highest benefit amount. Depreciation applicable to Personal Baggage, Valuables, Money and Travel Documents Cover We will apply depreciation (wear and tear) in determining the value of Your Personal Baggage and Valuables as specified in the Depreciation Table in this section. Depreciation considers an item’s age, damage or change that is caused to an item when its being used normally. Depreciation will be calculated from the date of purchase of the item until the date of the claimable Event, based on the original purchase price. For example: If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date. Suppose the number of months is 6, We will calculate the depreciation as follows: • -Excess + purchase price – deprecation = amount payable • Number of months = 6 • 6 multiplied by depreciation for laptop of 2.5% = 15% • Depreciation: $1,000 multiplied by 15% = $150 • Amount payable for Your stolen laptop: (-$250)

$1,000 - $150 = $600 This example is provided for illustrative purposes only and does not take into account all Policy terms and conditions. Depreciation Table Items Percentage of the purchase price to be deducted for each month of age of the item at the time of the Event Maximum amount we will decrease the purchase price by Electronic equipment 2.5% 65% Camera (including lenses and accessories) 2.5% 65% Sunglasses 1.5% 65% Smartphone 2.5% 65% Laptop 2.5% 65% Jewellery 0% 0% Sports equipment 2.0% 65% Cosmetics 2.5% 65% Clothing 1.9% 65% Other personal items 1.5% 65%

44 Macquarie Platinum Credit Card Exclusions applicable to Personal Baggage, Valuables, Money and Travel Documents Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:

any items loaned, hired or entrusted to You;
loss, theft, criminal damage where there is insufficient evidence that You have taken reasonable steps to report the incident to the local police or appropriate issuing authority (in the case of Travel Documents). Such evidence includes details of the time and place You made the report, and the name and contact details of who You reported the loss, theft or criminal damage to (to the extent such details are within Your power to provide);
damaged items in transit where a written report from the carrier, tour, transport or accommodation provider is not provided and where You are unable to evidence that You have taken reasonable steps to obtain a written report from the carrier, tour, transport or accommodation provider. Such evidence includes emails and call logs to the carrier, tour, transport or accommodation provider or other reasonable evidence;
theft by a Travelling Companion, Close Relative or any person You have given consent to visit You, stay or travel with You;
furniture, furnishings or household appliances;
electrical or mechanical breakdown of items;
items left Unattended in a Public Place (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation);
Valuables or Money left Unattended in a motor vehicle;
Personal Baggage or Travel Documents left Unattended and which are stolen from a motor vehicle if the items have not been locked in the Secure Area (unless You have no option other than to leave the Personal Baggage or Travel Documents Unattended and not locked in a Secure Area due to an emergency medical, security or evacuation situation);
Valuables or Money within Your Personal Baggage checked in or stowed in the luggage hold of an airplane, ship, bus or train;
atmospheric or climatic conditions, wear and tear (damage that naturally and inevitably occurs as a result of normal wear or aging), vermin, insects, rodents or any process of cleaning, repairing, restoring or alteration;
any business goods or specialised equipment relating to a trade or profession;
the confiscation or destruction by order of any government or public authority;
any items sent under the provisions of any freight contract, postal, courier or similar service;
damage to fragile or brittle items unless caused by fire or resulting from an accident to an aircraft, sea vessel or motor vehicle;
any sporting equipment, bicycles, surfboards or waterborne craft (including their ancillary equipment) of any description. This exclusion does not apply where such items are lost, stolen, accidentally damaged, or destroyed, while in the custody of a transport provider;
any drones or their accessories or parts;
any motor vehicle, motorised or propelled vehicles (such as scooters, electric bicycles or golf buggies) or their accessories or parts;
shortages, errors, omissions, depreciation in value in respect of Money and Travel Documents;
any bonds, coupons, gift cards, stamps, vouchers, warranties, pre-loaded or rechargeable cards including but not limited to phone, debit or stored value cards;
loss of Money or Valuables from Your accommodation unless evidence is available of unauthorised entry to Your accommodation for example: evidence of Forcible Entry, key entry recording or CCTV footage;
any of the following: animals or plant life, antiques and historical artefacts, bonds, securities or documents of any kind other than those within the definition of Money and Travel Documents, china or ceramics, consumable or perishable items, contact or corneal lenses, dentures, glass, hearing aids, keys, musical instruments, pictures, photos;
costs where a claim has been paid under any other section of this Policy for the same Event;
lost or stolen cryptocurrency;
loss of any electronic data or software. Excess applicable to Personal Baggage, Valuables, Money and Travel Documents Cover As noted in the Schedule of Benefits.

45 Macquarie Platinum Credit Card Section I – Hijack Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover If during Your Overseas Return Trip, Your Public Transport is Hijacked by persons using violence or threat of violence and You are detained in excess of 24 hours as a result of the Hijack, We will pay costs for: a. a return economy airfare; and b. extra accommodation (room-only) for each twenty- four (24) hour period; for Your Close Relatives to travel to and stay at the location of the Hijacking, up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Hijack Cover

Payment and cover start after the first twenty-four (24) hours from the time a government authority had been notified of the Hijacking.
We will not act as Your negotiator or intermediary or advise You or any person in dealing with the Hijackers. Exclusions applicable to Hijack Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
Hijacking by a member of Your family, Close Relative or Travelling Companion. Excess applicable to Hijack Cover As noted in the Schedule of Benefits.

46 Macquarie Platinum Credit Card Section J – Personal Liability Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover If during Your Trip, You become unintentionally legally liable to pay compensation to someone (other than a member of Your family, a Close Relative or a Travelling Companion) as a result of: a. an Injury or death to that person; or b. accidental physical damage or loss to someone else’s tangible property; We will pay or reimburse costs up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits for: a. Your legal costs; b. damages that are recoverable from You; c. costs that are incurred with Our consent (which will not be unreasonably withheld or delayed); d. costs for legal representation at any coroner’s inquest or fatal accident inquiry or in a court of summary jurisdiction. Terms and Conditions applicable to Personal Liability Cover

You must not admit liability, negotiate, make any promise, payment or settlement without Our prior written consent (which will not be unreasonably withheld, delayed or conditioned).
You must as soon as You receive them, send Us every letter, claim, writ, summons, process, notice of any prosecution or inquest that relates to, or may give rise to, liability.
We may at any time make full and final settlement of any claim at Our cost pursuant of this Personal Liability Cover. If We do so, We will have no further liability in respect of such Event or Events except for the payment of costs and expenses incurred prior to the date of settlement.
We may undertake any investigation We deem reasonably necessary. Exclusions applicable to Personal Liability Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
You intentionally incurring any liability;
Injury to any person who is a member of Your family, a Close Relative or Your Travelling Companion or under a contract of service or apprenticeship with You;
loss of or damage to any material property belonging to You or in Your care, custody or control or belonging to a member of Your family, a Close Relative or Your Travelling Companion or anyone under a contract of service or apprenticeship with You. This does not apply to loss of or damage to buildings and their contents temporarily occupied by You during a Trip;
liability You incur under a contract or agreement which You would not have in the absence of such contract or agreement;
any unlawful, wilful or malicious act by You and including any assault and/or battery committed by You;
aggravated, exemplary or punitive damages or the payment of any fine or penalty;
liability arising out of the transmission of a sexually transmittable disease or passing on an illness, virus or disease to another person;
liability arising directly or indirectly out of the ownership, possession, control or use by You or on Your behalf of: i. mechanically propelled vehicles (including scooters), aircraft (including drones), hovercraft or watercraft (other than non-mechanically propelled watercraft less than ten (10) metres in length); ii. firearms; iii. animals (other than horses and domestic pets);
injury or loss of or damage to material property arising directly or indirectly from: i. the ownership possession or occupation of land, immobile property or caravans other than as temporary accommodation in the course of a Trip; ii. the carrying on of any trade, business or profession;

47 Macquarie Platinum Credit Card 10. liability arising from Excluded Sports and Activities; 11. liability arising from the negligent supervision or vicarious liability of the acts of a minor; 12. any criminal proceedings taken against You whether You are actually convicted or not. Excess applicable to Personal Liability Cover As noted in the Schedule of Benefits.

48 Macquarie Platinum Credit Card Section K – Rental Vehicle Excess Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. What We Cover If during Your Trip, You hire a Rental Vehicle and Your Rental Vehicle is: a. damaged in a motor vehicle collision; or b. damaged by fire; or c. maliciously damaged; or d. stolen; whilst in Your control or custody, We will pay or reimburse You the lesser of: i. the Rental Vehicle Deductible You would be required to pay as part of the Rental Agreement; or ii. the Rental Vehicle damage; that You become liable to pay under the Rental Agreement, up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Rental Vehicle Excess Cover

You must be the nominated driver or specified driver under the Rental Agreement.
You must have a valid international driving licence or a driver’s licence that permits You to legally drive the Rental Vehicle.
You have paid for insurance for loss or damage to the Rental Vehicle for the duration of the rental period that is within Your Trip.
Cover will take effect from the time You take legal control of the Rental Vehicle and will cease at the time the Rental Company assumes control of the Rental Vehicle whether at its business location or elsewhere.
Claims will not be paid in respect of expenses to the extent that they are assumed, waived or paid by the Rental Company or its insurers.
In the event You have a claim, You must provide a copy of: i. Your Rental Agreement; ii. any incident report that was completed.
Losses will not be paid in respect of any property or expenses insured under another policy or any claim, which should be recoverable under any other insurance. Exclusions applicable to Rental Vehicle Excess Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
damage or liability not covered under the insurance for loss or damage to the Rental Vehicle;
damages or injuries to a third-party vehicle or person;
the rental of trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles;
use of the Rental Vehicle in, or in training for, racing competitions, trials, rallies or speed testing;
loss or damage arising from operating the Rental Vehicle in violation of the terms of the Rental Agreement;
where You are not a nominated driver or specified driver under the Rental Agreement;
where You do not have an appropriate and a valid driving licence giving You legal rights to drive;
anyone who is not a Covered Person;
damage sustained whilst driving on an un-sealed or private road (except private roads associated with a Public Place, such as shopping centres car parks, hotels and entertainment venues);
any administration costs, petrol, loss of use penalties or fines;

49 Macquarie Platinum Credit Card 11. atmospheric or climatic conditions, wear and tear (damage that naturally and inevitably occurs as a result of normal wear or aging), vermin, insects, rodents or any process of cleaning, repairing, restoring or alteration; 12. any damage that results in You filling the vehicle with inappropriate petrol or diesel that is not specified by the manufacturer; 13. any pre-existing damage. Excess applicable to Rental Vehicle Excess Cover As noted in the Schedule of Benefits.

50 Macquarie Platinum Credit Card Section L – Card Purchase Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. What We Cover Theft or damage of an Eligible Item If Your Eligible Item is stolen or accidentally damaged within ninety (90) days of purchase, We will: • pay You the reasonable costs for the Eligible Item to be repaired if it is practical and economic for the Eligible Item to be repaired after a deduction has been made for depreciation (which includes wear and tear); • If it is not practical and economic for You to have the Eligible Item repaired, We will reimburse You with the replacement amount not exceeding the original purchase price of the Eligible Item; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Card Purchase Cover

Any claims to a Pair or Set, if You agree to surrender the undamaged item(s) or remaining items of the Pair or Set to Us and We agree to accept them, We will pay You the current replacement cost of the entire Pair or Set. If You do not agree to surrender the undamaged items or remaining item(s), We will only be liable for the value of that part of a Pair or Set which has been stolen or damaged. For example, if one earring is stolen We will only pay 50% of the cost of replacement earrings
An Eligible Item which is left Unattended in a Public Place and which is not subsequently recovered shall not constitute theft, unless You have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation.
If You purchase the Eligible Item as a gift for someone else, You may request for Us to pay a valid claim directly to the recipient of the gift.
In the event of a claim You must provide Us with copies of invoices and/or receipts relating to the Eligible Item purchase and, upon request, You must also provide Us with the damaged Eligible Item or receipt as proof of mailing/shipping.
Claims for theft or criminal damage must be reported to the local police and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the theft or criminal damage including details of the time and place You made the report, and the name and contact details of who You reported the theft or criminal damage to (to the extent such details are within Your power to provide). Exclusions applicable to Card Purchase Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
damage to an Eligible Item wilfully damaged by You;
claims for theft or criminal damage where there is insufficient evidence that You have taken reasonable steps to report the incident to the local police. Such evidence includes details of the time and place You made the report, and the name and contact details of who You reported the theft or criminal damage to (to the extent such details are within Your power to provide);
costs where a claim has been paid under any other section under this Policy for the same Event;
theft or damage to an Eligible Item received as a gift;
items purchased in a business name or business owned or business related;
accidental damage to or theft of an Eligible Item which is left Unattended in a Public Place, unless You have no option other than to leave the Eligible Items Unattended due to an emergency medical, security or evacuation situation;
damage resulting from normal wear and tear (damage that naturally and inevitably occurs as a result of normal wear or aging) to an Eligible Item;
damage to an Eligible Item caused by product defects;

51 Macquarie Platinum Credit Card 9. theft of or accidental damage to an Eligible Item left Unattended in a motor vehicle, except when: i. the Eligible Item is locked out of sight in a Secure Area and Forcible Entry has been used by an unauthorised person to gain entry to the vehicle, and evidence of such Forcible Entry is available; or ii. You have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation; 10. theft of or damage to jewellery, watches, precious metals and gemstones in baggage unless carried by hand and under Your personal supervision or under the supervision of a traveling companion previously known to You; 11. theft of or damage to: i. animals, living plants, perishable goods (including but not limited to food, drugs, fuel or oil); ii. software, operating systems or firmware; iii. cash, its equivalents, traveller’s cheques, tickets or negotiable instruments; iv. a boat, automobiles, motorboats, airplanes or any other motorised vehicles and their integral parts and installed accessories; v. second-hand items, including antiques; vi. real estate or immovable fixtures or fittings (including but not limited to integrated stove tops, integrated ovens, and fixed air conditioners) which are/or are intended to form part of any residential home. Excess applicable to Card Purchase Cover As noted in the Schedule of Benefits

52 Macquarie Platinum Credit Card Section M – Buyer’s Advantage Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility for Insurance Table. Specific Definitions under Buyer’s Advantage Cover Original Warranty means a manufacturer’s written warranty that does not exceed five (5) years and is applicable within Australia to the Eligible Item. What We Cover If You purchase an Eligible Item from a retailer, You will receive cover for the breakdown or defect of Eligible Item purchased, provided that such breakdown or defect would have been covered by the Original Warranty and occurs between the date that the Original Warranty expired and the end of the buyer’s advantage period (see table below). Buyer’s advantage commences on expiry of the Original Warranty. Where the Original Warranty period is: The buyer’s advantage period is: 1 month 1 month commencing at the end of the Original Warranty period 6 months 6 months commencing at the end of the Original Warranty period 1-5 years 1 Year commencing at the end of the Original Warranty period 5+ years No Cover We will, after We first deduct the applicable Excess from Your claim, do one of the following: • pay You the reasonable costs to repair or rebuild the Eligible Item if it is practical and economic for the item to be repaired; • if it is not practical and economic for You to have the Eligible Item repaired or rebuilt, We will pay You the lesser of the original purchase price or the replacement cost of the Eligible Item; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. Terms and Conditions applicable to Buyer’s Advantage Cover

You will need to provide a copy of the Original Warranty, the sales receipt and account statement showing the purchases as You need these in order to make a claim.
Claims to a Pair or Set, if You agree to surrender the undamaged item(s) of the Pair or Set to Us and We agree to accept them, We will pay You the current replacement cost of the entire Pair or Set. If You do not agree to surrender the undamaged items, We will only be liable for the value of that part of a Pair or Set which has been damaged or destroyed. For example, if one earring is damaged We will only pay 50% of the cost of replacement earrings. This example is provided for illustrative purposes only and does not take into account all the Policy terms and conditions. Exclusions applicable to Buyer’s Advantage Cover Please also refer to the General Exclusions applicable to All Sections within this Policy. We will not pay for or reimburse any costs arising from or relating to:
any damage caused by a failure to take reasonable care in the circumstances to protect and maintain the Eligible Item against damage or to take reasonable care to mitigate any damage to the property;
any costs other than for parts and or labour costs resulting from a covered breakdown or defect;
any obligations, costs or losses beyond those set out in the Original Warranty;
any payments, costs, expenses or claims for bodily injury, property damage, consequential loss of damage, loss of profit, punitive damages or legal costs
any costs for: i. an Eligible Item purchased in a business name or business owned or business related; ii. a boat, automobiles, motorboats, airplanes or any other motorised vehicles and their integral parts and installed accessories; iii. second-hand items, including antiques; iv. real estate or immovable fixtures or fittings (including but not limited to integrated stove tops, integrated ovens, and fixed air conditioners) which are/or intended to form part of any residential home;

53 Macquarie Platinum Credit Card 6. in respect to a Pair or Set of items, if You choose not to surrender the undamaged item(s) that form part of the Pair or Set, We will only pay for the value of the item(s) which had the breakdown or defect. Excess applicable to Buyer’s Advantage Cover As noted in the Schedule of Benefits.

54 Macquarie Platinum Credit Card General Exclusions Applicable to All Sections We will not cover losses, pay or reimburse any costs, under any section of this Policy which are recoverable from any other source, or arising from:

circumstances when after You made Your Relevant Travel Purchase, You start a Trip against the following advice: i. when an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to. Please refer to who.int, smartraveller.gov.au, dfat.gov.au or other government sites for further information. This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel; ii. when a Doctor has deemed You unfit to travel;
You or any other person having a change of mind and deciding not to start a Trip, continue with the Trip or any other disinclination to travel;
any Pre-existing Medical Conditions (except under Section F - Resumption of Long Overseas Trip Cover, 2 - Returning to Australia for a Close Relative with a Pre-Existing Medical Condition);
You, a Travelling Companion or Close Relative’s Terminal Illness which was diagnosed before You made Your Relevant Travel Purchase;
where You: i. have not started and ended Your Trip in Australia; and/or ii. are not a Resident of Australia;
any Trip undertaken by a Spouse or Dependent Child who is not travelling with the Card Member on the Trip;
any costs arising directly from You being unfit to travel if You knew, or a reasonable person in Your circumstances would have known, that You were unfit to travel whether or not You had sought medical advice;
a Domestic Return Trip where You do not stay at the destination for at least one (1) night and/or that is within a 150-kilometre radius from Your Home;
any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work. Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates;
being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%;
taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a Doctor and taken in accordance with the prescription and doctors’ advice but is not for the Treatment of addiction to illegal drugs;
the consumption of alcohol in combination with any drug or medication;
Your intentionally self-inflicted injury, suicide, self- destruction or any attempt thereof;
Your participation, involvement or taking part in Excluded Sports and Activities while on a Trip;
any unlawful, reckless misconduct or wilful or malicious act committed by You;
participation in a sporting event where any participant receives, or is eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000. Participation includes training for, coaching or otherwise competing in that sporting event;
travel into hazardous work sites (e.g. underwater, mines, construction sites, oilrigs, etc.);
any costs with respect to Cuba;
declared or undeclared War or any act thereof. War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not. Civil war includes armed opposition between two or more parties belonging to the same country where the opposing parties are different ethnic, religious, or idealistic groups;

55 Macquarie Platinum Credit Card 20. service in the armed forces (military, naval or air service of any country) except Australia where cover applies for Cancellation, Curtailment or Trip Change under Section B – Trip Cancellation and Amendment Cover (specified Event number 4); 21. participation in any military or emergency services such as, police or fire-fighting; 22. activities undertaken as an operator or crew member of any transport provider; 23. flying in military aircraft or any aircraft which requires special permits or waivers; 24. air travel for a business purpose on a Non-Scheduled Flight; 25. commission of or attempt to commit an illegal act by or on behalf of You or Your beneficiaries. This exclusion does not apply to any Covered Person who is not the perpetrator of any such illegal act, or who did not know of or condone any such act; 26. direct or indirect, actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination; 27. the refusal, failure or inability of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with; 28. an act of Terrorism except for when such Event occurs under the following cover in Sections A - Overseas Medical Emergency Expenses Cover or Section I - Hijack Cover of this Policy; 29. any loss of enjoyment or any financial loss not specifically covered within this Policy; 30. any loss which is recoverable by compensation under any other workers compensation act, transport accident laws or any other similar legislation or by Government sponsored fund, plan, medical benefit scheme required to be affected by or under a law; 31. an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these. However this exclusion does not apply to COVID-19; 32. any costs in relation to You being required to be quarantined, except where You have a valid Trip Change or Curtailment claim under specified Event 1 of Section B and incur reasonable additional travel or accommodation expenses resulting from the quarantine; 33. You are riding a motorcycle/scooter: i. without wearing a helmet (either as the driver or a passenger); ii. as the driver without being licensed in both Australia and the country of travel to drive such a motorcycle/scooter; or iii. whilst You are racing or participating in a professional capacity or motocross; 34. pregnancy in the following circumstances: i. any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase; ii. for any costs under Section B – Trip Cancellation and Amendment Cover and Section A - Overseas Medical Emergency Expenses Cover within eight (8) weeks of Your estimated date of delivery, which is calculated from the last known date of Your menstrual period or calculated from staging ultrasound and is not otherwise excluded within this Policy; iii. for any costs under Section A - Overseas Medical Emergency Expenses Cover arising from childbirth or the health of a newborn child. This exclusion applies irrespective of the stage of pregnancy at which the child is born. Meaning a newborn (whether premature or otherwise) is not considered a Covered Person under the Policy if the child was born on the Trip; iv. for any costs under Section A - Overseas Medical Emergency Expenses Cover arising from or relating to an abortion, unless this is to save life of the mother following an Injury or Illness; v. for any costs under Section A - Overseas Medical Emergency Expenses Cover arising from fertility Treatment or Treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF).

56 Macquarie Platinum Credit Card How do I make a claim? Overseas emergency – Call Chubb Assistance on +61 2 8907 5666. Non-emergency – Making a claim is quick and easy: in 4 steps You can submit Your claim online by visiting the Chubb Claims Centre www.chubbclaims.com.au What will I need to submit a claim online? You (or Your representative) will need to provide:

The Policy number as shown in this Policy, which enables Us to verify the Policy details. If You cannot locate Your Policy number, please call 1300 791 804.
Your email address.
Your contact information, which allows Us to give You real-time updates on Your claim status or contact You for additional information.
Supporting documents. The documents reasonably required vary based on claim type, but may include any relevant: − medical or doctors’ reports; − receipts or other proof of expenses; − proof of earnings that are being claimed; − reports that have been obtained from the police, accommodation provider or transport provider (including an airline) about the loss, theft or damage; − product warranties or bank statements; − photographs or quotes. Please attach these to Your online submission to expedite assessment; − additional evidence that We may reasonably request to enable Us to assess Your claim; and − Intended payee information, which allows Us to quickly make approved payments. Costs incurred by You in getting any documents for Us to assess Your claim are payable by You. What should I do before I submit a claim?
Take reasonable steps to mitigate any further losses or unreasonable and unnecessary expenses, including notifying Chubb Assistance as soon as practically possible, if You are admitted to hospital or You anticipate medical or additional accommodation or travel expenses;
Claims for loss, theft or criminal damage must, unless not reasonably possible, be reported to the local police and a written report obtained of the incident occurring. If it is not reasonably practical to obtain a written report, You must provide reasonable evidence in support of why a report cannot be obtained, such as emails, call logs to the local police demonstrating Your attempt to obtain the report. When should I notify Chubb of my claim? You should notify Us as soon as reasonably practicable of an Event which is likely to give rise to a claim under this Policy. Will I need to undertake a medical examination? If required and to enable Us to confirm if some of the benefits sections within the Policy respond or continue to respond to an Event, We may need to arrange for You to undertake a medical examination at Our expense when and as often as We may reasonably require. Can I claim under this Policy if I can claim for the same expense under another insurance Policy e.g. my private health insurance? If You submit Your claim under this Policy, You must inform Us if You have already made a claim under any other insurance policies or tell Us if You have any insurance policies in place which might respond to Your loss. As a general rule, the amount You can recover for Your costs under this Policy or any other policies cannot exceed Your costs. Where permissible by law, if other valid and collectible insurance is available to any Covered Person for loss also covered by this Policy, other than a policy that is specifically written to apply in excess of this Policy, the insurance afforded by this Policy shall apply in excess of and shall not contribute with such other insurance. Can I claim expenses that I have incurred in obtaining evidence to submit with my claim? No, expenses incurred by You in obtaining evidence for Us to assess Your claim cannot be claimed as an expense under this Policy. These expenses are payable by You.

57 Macquarie Platinum Credit Card Can I admit liability if an Event occurs which may give rise to a claim? No, You (or Your legal representative) should not make any offer, promise of payment or admit any liability without written consent from Us. You should request the claim against You be put in writing. Do I need to help Chubb make recoveries for any amounts paid under the Policy? Yes, You may need to help Us to make recoveries of any amounts that We pay You under this Policy. We have the right to sue under any other party in Your name to recover money payable or paid under the Policy, or to choose to defend any action brought against You. You must provide reasonable assistance to Us in this regard. How long will it take for my claim to be assessed? Once We have all relevant information, We will decide Your claim and inform You of Our decision and reasoning within 10 business days. If We are unable to make a decision within that time, We will explain why. We will not take more than 4 months from receiving Your claim to make a claim decision unless there are special circumstances. Special circumstances that may delay our claim decision by up to 12 months include where: a. Your claim is fraudulent, or We reasonably suspect it is fraudulent; b. You do not respond to Us; or c. We have difficulty communicating with You about Your claim that is beyond Our control. If my claim is approved, how long will it take for me to receive payment? Once We have approved Your claim, if there is an associated payment due to You, We will issue the payment within five (5) business days. If I die, will my estate be able to claim under the Policy? Yes, if the Policy provides cover in the event of Your death, Your estate will be able to make a claim under the Policy. I don’t have internet access / an email address to submit my claim online; can I still submit a claim? Yes, however this may increase the time taken to assess Your claim. You can call Us on 1300 791 804 (8:30am to 5pm Monday to Friday AEST/AEDT) to request a claim form to be mailed out to You which can then be mailed back to Us.

58 Macquarie Platinum Credit Card Privacy Statement In this Statement “We”, “Our” and “Us” means Chubb Insurance Australia Limited (Chubb). Macquarie Bank means Macquarie Bank Limited, the Policy holder. “You” and “Your” refers to Our customers and prospective customers as well as those who use Our website. This Statement is a summary of Our Privacy Policy and provides an overview of how We collect, disclose and handle Your Personal Information. Our Privacy Policy may change from time to time and where this occurs, the updated Privacy Policy will be posted to Our website . Chubb is committed to protecting Your privacy. Chubb collects, uses and retains Your Personal Information in accordance with the requirement of the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), as amended or replaced from time-to-time. Why We collect Your Personal Information The primary purpose for Our collection and use of Your Personal Information is to enable Us to provide insurance services to You. Sometimes, We may use Your Personal Information for Our marketing campaigns and research, in relation to new products, services or information that may be of interest to You. How We obtain Your Personal Information We collect Your Personal Information (which may include sensitive information) at various points including, but not limited to, when You are applying for, changing or renewing an insurance policy with Us or when We are processing a claim. Personal Information is usually obtained directly from You, but sometimes via a third party such an insurance intermediary or Your employer (e.g. in the case of a group insurance policy). Please refer to Our Privacy Policy for further details. When information is provided to Us via a third party We use that information on the basis that You have consented or would reasonably expect Us to collect Your Personal Information in this way. We take reasonable steps to ensure that You have been made aware of how We handle Your Personal Information. When do We disclose Your Personal Information? We may disclose the information We collect to third parties, including: • the policyholder (where the insured person is not the policyholder, i.e., group policies); • service providers engaged by Us to carry out certain business activities on Our behalf (such as claims assessors, call centres in Australia, online marketing agency, etc); • intermediaries and service providers engaged by You (such as current or previous brokers, travel agencies and airlines); • government agencies (where We are required to by law); • other entities within the Chubb group of companies such as the regional head offices of Chubb located in Singapore, UK or USA (Chubb Group of Companies); and • third parties with whom We (or the Chubb Group of Companies) have sub-contracted to provide a specific service for Us, which may be located outside of Australia (such as in the Philippines or USA). These entities and their locations may change from time-to- time. Please contact Us, if You would like a full list of the countries in which these third parties are located. In the circumstances where We disclose Personal Information to the Chubb Group of Companies, third parties or third parties outside Australia We take steps to protect Personal Information against unauthorised disclosure, misuse or loss. Your decision to provide Your Personal Information In dealing with Us, You agree to Us using and disclosing Your Personal Information, which will be stored, used and disclosed by Us as set out in this Privacy Statement and Our Privacy Policy.

59 Macquarie Platinum Credit Card Access to and correction of Your Personal Information Please contact Our customer relations team on 1800 815 675 or email CustomerService.AUNZ@chubb.com if You would like: • a copy of Our Privacy Policy, or • to cease to receive marketing offers from Us or persons with whom We have an association. To request access to, update or correct Your Personal Information held by Chubb, please complete this Personal Information request form and return to: Email: CustomerService.AUNZ@chubb.com Fax: + 61 2 9335 3467 Address: GPO Box 4907 Sydney NSW 2001 Further information request If You would like more information about how We manage Your Personal Information, please review Our Privacy Policy for more details, or contact: Privacy Officer Chubb Insurance Australia Limited GPO Box 4907 Sydney NSW 2001 +61 2 9335 3200 Privacy.AU@chubb.com. How to make a complaint If You are not satisfied with Our organisation, services, Our response to Your enquiry, or You have any concerns about Our treatment of Your Personal Information or You believe there has been a breach of Our Privacy Policy, or You are not satisfied with any aspect of Your relationship with Chubb and wish to make a complaint, please contact Our Complaints and Customer Resolution Service (CCR Service) by post, phone, fax, or email, (as below): Complaints and Customer Resolution Service Chubb Insurance Australia Limited GPO Box 4065 Sydney NSW 2001 P +61 2 9335 3200 F +61 2 9335 3411 E complaints.AU@chubb.com For more information, please read Our Complaints and Customer Resolution policy.

60 Macquarie Platinum Credit Card Complaints and Dispute Resolution Process We understand that You could be dissatisfied with Our organisation, Our products and services, or the complaints handling process itself. We take all Our customer’s concerns seriously and have detailed below the complaints process that You can access. Complaints and Customer Resolution Service Contact Details If You are dissatisfied with any aspect of Your relationship with Chubb including Our products or services and wish to make a complaint, please contact Our Complaints and Customer Resolution Service (CCR Service) by post, phone, fax, or email, (as below): Complaints and Customer Resolution Service Chubb Insurance Australia Limited GPO Box 4065 Sydney NSW 2001 P +61 2 9335 3200 F +61 2 9335 3411 E complaints.AU@chubb.com Our CCR Service is committed to reviewing complaints objectively, fairly and efficiently. Process Please provide Us with Your claim or policy number (if applicable) and as much information as You can about the reason for Your complaint. Our response We will acknowledge receipt of Your complaint within one (1) business day of receiving it from You, or as soon as practicable. Following acknowledgement, we will provide You with the name and relevant contact details of the CCR Service team member who will be assigned to liaise with You regarding Your complaint. We will investigate Your complaint and keep You informed of the progress of Our investigation at least every ten (10) business days and will make a decision in relation to Your complaint in writing within thirty (30) calendar days. If We are unable to make this decision within this timeframe, We will provide You with a reason for the delay and advise of Your right to take Your complaint to the Australian Financial Complaints Authority (AFCA) as detailed below, subject to its Rules. If Your complaint falls outside the AFCA Rules, You can seek independent legal advice or access any other external dispute resolution options that may be available to You. To the extent allowable at law, if You request copies of the information We relied on to make a decision about Your complaint, We must provide it within ten (10) business days of Your request. Please see the General Insurance Code of Practice 2020 ( codeofpractice.com.au ) or contact Us for further details. Please note that if We have resolved Your complaint to Your satisfaction by the end of the fifth (5th) business day after We have received it, and You have not requested that We provide You a response in writing, We are not required to provide a written response. However, this exemption does not apply to complaints regarding a declined claim, the value of a claim, or about financial hardship. External Dispute Resolution If You are dissatisfied with Our complaint determination, or We are unable to resolve Your complaint to Your satisfaction within thirty (30) days, You may refer Your complaint to AFCA, subject to its Rules. AFCA is an independent external dispute resolution scheme approved by the Australian Securities and Investments Commission (ASIC). We are a member of this scheme and We agree to be bound by its determinations about a dispute. AFCA provides fair and independent financial services complaint resolution that is free to consumers. You may contact AFCA at any time at: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 P 1800 931 678 (free call) F +61 3 9613 6399 E info@afca.org.au W www.afca.org.au Time limits may apply to complain to AFCA and so You should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to Your circumstances expires.

Macquarie Platinum Credit Card Macquarie Group Limited 61 General Insurance Code of Practice We are a signatory to the General Insurance Code of Practice (Code). The objectives of the Code are to further raise standards of service and promote consumer confidence in the general insurance industry. Further information about the Code and Your rights under it is available at codeofpractice.com.au and on request. As a signatory to the Code, We are bound to comply with its terms. As part of Our obligations under Parts 9 and 10 of the Code, Chubb has a Customers Experiencing Vulnerability & Family Violence Policy (Part 9) and a Financial Hardship Policy (Part 10). The Code is monitored and enforced by the Code Governance Committee. Sanctions This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions of the Policy remain unchanged. Chubb is a subsidiary of a US company and Chubb Limited, a NYSE listed company. Consequently, Chubb is subject to certain US laws and regulations [in addition to EU, UN and national sanctions restrictions] which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea and Cuba.

Strictly confidential Macquarie Group Limited 1 For more information, visit macquarie.com.au/contact-us

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