The convenience of MasterCard® PayPass9 Allowing you to make purchases under $100 in seconds by tapping your card against the PayPass9 terminal. Just tap & go. 50% off the annual fee for the first year2 Pay only $89 for the first year and receive up to four additional cards free. Earn 1.25 reward points for every $1 spent on your card8 With more points every time you spend on your card, and no points expiry, you'll have all the time to choose your favourite reward. Generous credit limits subject to credit criteria5 Up to $60,000 on the Platinum MasterCard. International Travel Insurance7 For you and your family when you buy overseas travel on your IMB Platinum MasterCard with Card Services Rewards. Purchase Cover Insurance7 You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your IMB Platinum MasterCard. Conditions apply. Guaranteed Pricing Scheme7 Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply. Interstate Flight Inconvenience Insurance7 Covers you for cancellations, flight and baggage deals, rental vehicle excess and more. Transit Accident Insurance7 May cover you for accidents sustained whilst on a trip, including when in transit. Platinum Concierge Service Available 24 hours a day, seven days a week from anywhere in the world. We're there to help you with anything from finding the best restaurant in town to organising a gift. The convenience of MasterCard® PayPass9 Allowing you to make purchases under $100 in seconds by tapping your card against the PayPass9 terminal. Just tap & go. Earn 1 reward point for every $1 spent on your card8 Earn points every time you spend on your card and with no points expiry, you'll have all the time to choose your favourite reward. Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more. Generous Credit Limits subject to credit criteria5 Up to $25,000 on the Rewards MasterCard. International Travel Insurance7 For you and your family when you buy overseas travel on your IMB Rewards MasterCard with Card Services Rewards. Purchase Cover Insurance7 You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your IMB Rewards MasterCard. Conditions apply. Guaranteed Pricing Scheme7 Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply7. Up to four additional cards2 The IMB Rewards MasterCard has an annual fee of $90, with up to four additional cards for $15 each. The convenience of MasterCard® PayPass9 Allowing you to make purchases under $100 in seconds by tapping your card against the PayPass9 terminal. Just tap & go. Generous credit limits subject to credit criteria5 Up to $15,000 on the Low Rate MasterCard. Up to 55 days interest free6 Enjoy up to 55 days interest free on retail purchases. Purchase Cover Insurance7 You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your IMB Low Rate MasterCard. Conditions apply. Guaranteed Pricing Scheme7 Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply7.

Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your MasterCard will be subject to satisfying Card Services' credit criteria. 1. The promotional rate of 0.0% p.a. applies for 9 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Annual fees attract interest at the retail purchases rate. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the IMB Platinum MasterCard by 30/07/2012. Approved applicants only. The 9 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 20.24% p.a. for retail purchases and 21.24% p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1 February 2012. This offer ends 30/07/2012. 2. Subject to your acceptance you will be charged an annual account fee of $75 for the Low Rate MasterCard® and $90 for the Rewards MasterCard®. For the Platinum MasterCard® with Card Services Rewards, you will be charged a discounted annual fee of $89 in the first year, which will revert back to the full annual fee of $179 in subsequent years. Half price annual fee offer ends 30/07/2012. 3. The promotional rate of 1.9% p.a. applies for 6 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Annual fees attract interest at the retail purchases rate. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the IMB Rewards MasterCard by 30/07/2012. Approved applicants only. The 6 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 19.74% p.a. for retail purchases and 20.49% p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1 February 2012. This offer ends 30/07/2012. 4. The 9.9% p.a. introductory interest rate will only apply to retail purchases made on your account for a period of 12 months after account opening. Cash advances during the introductory interest rate period are subject to your cash advance interest rate. At the end of the introductory interest rate period your interest rate for new purchases and any unpaid purchase balance will revert to your interest rate for purchases. Interest rates are variable, subject to change and credit criteria. This information is current as at 1 February 2012. This offer ends 30/07/2012. Current Citibank Select Cardholders are not eligible to apply for this offer. 5. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 p.a. for the Low Rate card, $35,000 p.a. for the Gold card and $50,000 for the Platinum card. Credit limit is up to $15,000 on low Rate, $25,000 on Rewards, and $60,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria. 6. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers. 7. Complimentary Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance. 8. All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers. Reward points never expire while the account remains open and provided your account is in good order. 9. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass & Tap & Go are trademarks of MasterCard International Incorporated. © 2012 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 which provides and administers credit on behalf of IMB Ltd ABN 92 087 651 974, Australian Credit Licence No. 2373910.

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