orange-one-platinum.html

Important Information

Product Issuers

Deposit, savings and credit products (excluding the Complimentary International Travel Insurance) are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the ING card insurances is available to eligible ING cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions, exclusions, limits and applicable sub-limits apply. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

Apple, the Apple App Store, iPhone, Siri and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are registered trademarks of Google LLC. You should consider the Apple Pay Terms and Conditions and the Google Pay Terms and Conditions for ING customers when setting up mobile payments on your eligible device.

Credit Cards

Information and interest rates are current as at the date of this publication and are subject to change. Interest free period available only where entire revolving balance plus monthly instalment amounts are repaid in the previous statement period.

Interest free period available only where entire revolving balance plus monthly instalment amounts (on any existing instalment plans) are repaid in the previous statement period.

1% cashback

Where you hold an active Orange One Rewards Platinum Credit Card Account and an active linked Autopay Account (e.g. not been suspended or closed), you can earn 1% cashback up to a maximum of $30 per month per Account on eligible purchases made with your Orange One Rewards Platinum Credit Card. The cashback entitlement is calculated monthly and paid to the linked ING Autopay Account one calendar day after the due date of the minimum monthly credit card repayment. The cashback does not reduce your minimum monthly credit card repayment obligations.

Cashback will not be payable for any:
• Cash Advances; or
• Amounts that are subsequently re-credited to your Account by way of refunds. Any purchases refunded to your Account will be removed from the total of your eligible cashback balance; or
• Spending which, in any one month, exceeds your Credit Limit; or
• BPAY transactions
Cashback is subject to the Orange One Rewards Platinum - Cashback Terms and Conditions and subject to these Terms and Conditions, ING may change or cancel these benefits at any time.

Instalment Plans

Limitations and exclusions apply to the establishment of instalments, including minimum purchase values, number and term of instalments. The interest rate for the Instalment Plan is current at the date of this message and is subject to change.

Each monthly instalment repayment will form part of the minimum monthly repayment due on the regular payment due date. Eligible amounts exclude portions already added to an existing instalment plan, fixed monthly instalment repayments, cash advances, fees, interest charges, and amount in arrears. Duration of instalment plans (3 months to 7 years) is dependent on the instalment amount. Changes can be made to the period of a plan within the initial 2 years and up to 3 times. Extra repayments can be made without incurring early repayment fees. For more information please call us on 133 464 and see the Terms and Conditions.

ING Pocket Perks

ING Pocket Perks is a rewards program for Orange Everyday Debit Card holders and Orange One Card holders aged 18 years and older. Each debit or credit card you hold will automatically be enrolled into ING Pocket Perks. ING Pocket Perks offers are subject to specific eligibility requirements set by the merchant providing the offer, and these details will be displayed in the 'Offers' section of the ING app. Cashback is usually credited within 7 days of a qualifying purchase being fully processed. ING Pocket Perks offers are also subject to the Orange Everyday Terms & Conditions or Orange One Terms & Conditions that correlate to the card you hold. Offer information displayed in the ING App is provided by participating merchants. ING Bank (Australia) Limited makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the offer information. Offers are for a limited time only and subject to change.

Each Orange Everyday and Orange One card you hold will be automatically enrolled into ING Pocket Perks. Enrolment usually happens within 24 hours of card activation, however in some rare cases it could take up to 90 days. You can make sure that your card is enrolled by logging into the ING App, navigating to your card, then selecting “ING Pocket Perks”.

ING uses your personal information (including transactional data) for data analytics and to communicate with you regarding products, services and promotions that we think would be of interest to you. See our Privacy Policy at ing.com.au for more information on how ING handles your personal information.Cashback payments may have tax implications, we recommend you seek tax advice from an independent tax advisor.

Important Information

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new ING security property and borrowings. All rates and information are correct at time of publication and are subject to change. All applications for credit are subject to ING’s credit approval criteria. Fees and charges apply. WARNING: If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be re-documented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. With an Orange Advantage home loan, a non-refundable annual fee applies (refer to the Orange Advantage Post-Settlement fees and charges for more information); and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

ING recommends you seek independent financial or taxation advice where appropriate.

ING Home and Contents Insurance

ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Ltd (ING). An ING Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. ING will receive a commission from AGS for each policy purchased which is a percentage of the base premium. For further details see theFinancial Services Guide.

ING Home & Contents Insurance is subject to AGS' underwriting and ING’s Customer Eligibility and Name-Screening Assessment. Home & Contents Insurance is not available in NT, North QLD or Northern WA.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Target Market Determination, Key Fact Sheets, Financial Services Guide and the ING Customer Eligibility and Name-Screening document available at ing.com.au and consider if an ING Home & Contents Insurance product is right for you before deciding to purchase or continue to hold the product.

The price quoted is at the insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. Discounts are applied by the insurer. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: Discount applies to the first year's premium paid for a new ING Home & Contents Insurance policy obtained online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. All rights are reserved to change the offer without notice. The discount applies accordingly:

ING Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only policies.

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, February - July 2024 (n = 29,688) when compared to customers of the 10 largest ADIs operating in Australia. ING is Australia's fifth largest main financial institution (MFI) with 5% of market share according to RFI Global's Consumer Atlas Survey, February - July 2024 (n = 29,688). MFI is defined as the bank that the consumer says is their main financial institution.

[Image]

How can we help?

back to results

If you can't find your answer, contact us:

Message us

Reach out or reply anytime, anywhere with convenience. Your banking needs, answered by logging into the ING app and chatting with us, or via your online banking. To find Messages, look in the left hand menu to leave us a message.

Loading…

Can we help? Close

Orange One Rewards Platinum

Start application

Earn up to

$360

cashback a year on your spend.

1% cashback on eligible spend
Complimentary international travel insurance
No ING international transaction fees
Access to ING Pocket Perks. Cashback offers loaded onto your card.

Cashback on the cards

With the Orange One Rewards Platinum credit card you'll earn up to $30 per month on your spend. That's $360 a year. You'll get cashback in your Orange Everyday account - so no need to tally points, no redemption for gift cards and no bonus categories to keep track of.

Features

Why apply for Orange One Rewards Platinum?

Features

Credit Card from Australia's most recommended bank.

$0 ING international transaction fees.

A low 12.99% p.a. variable rate on purchases and cash advances*.

Automatic repayments from eligible ING accounts.

Benefits

1% cashback on your eligible spend, up to $30 a month per account. Conditions apply.

Complimentary international travel insurance - When you are approved for a credit limit of $6,000 or more. Eligibility and conditions apply to cover.

Use instalment plans to pay off your purchases over time at a lower interest rate of 9.99% p.a. variable.

ING Pocket Perks - A loyalty program that gives back to you, literally, with built-in cashback offers.

You can make a travel insurance claim by calling 1800 754 190 (within Australia) or +617 3360 7701 (outside Australia, reverse charges apply) at any time.

Important information

Apply for an Orange One Rewards Platinum

Start application

Rates, fees and limits

The Orange One Rewards Platinum ins and outs made plain and simple.

Interest rates

Purchases
16.99 % p.a. variable
Interest free period
Up to 45 days interest free
Instalments
9.99 % p.a. variable
Cash advances
16.99 % p.a. variable

Fees

Annual fee
$149
Late payment fee
$30
Over limit fee
$0
Additional cardholder
$10/year per additional card
Dishonours
$0
Replacement card (in Australia or overseas)
Free
Emergency replacement card
Free
Voucher request
$10
Cash advance fee
The greater of $3 or 3% of the cash advance amount.
International transaction fee
$0
International ATM withdrawal
$0 (fees may still be charged by ATM operators)

Limits and repayments

Minimum credit limit
$6,000
Maximum credit limit
$30,000
Cash advances
10% of the credit limit, up to a $500 maximum
Purchases using Visa payWave without a PIN
Under $200 in Australia (other limits may apply outside of Australia)
Minimum repayments
Each statement cycle, your minimum repayment will be the total of:
1. a)
  The greater of:
  1. i.
    5% of the daily revolving balance as at the end of the statement cycle (excluding any amount by which your account is in arrears); or
  2. ii.
    $100 or, if the daily revolving balance as at the end of the statement cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus
2. b)
  any instalment plan repayments due for the statement cycle; plus
3. c)
  any amount by which your account is in arrears (other than any overlimit amount); plus
4. d)
  any overlimit amount that exceeds the total of:
  1. i.
    any instalment plan repayments due; plus
  2. ii.
    any amount by which your account is in arrears (other than any overlimit amount).

Terms & conditions

All the detail to help you make an informed decision.

Fees and limits schedule

All the latest fees and limits for your credit card.

Cashback terms & conditions

Your cashback reward need-to-knows.

Travel insurance terms & conditions

What to expect and how you're covered.

Rewards Platinum Credit Card Target Market Determination

Key Facts Sheet

Apply for an Orange One Rewards Platinum

Start application

How to apply

To have an Orange One Rewards Platinum, you'll also need an Orange Everyday. If you don't already have an Orange Everyday, don't worry - you can request to open one up as part of your credit card application.

[Image]

1. Make sure you're eligible

Check the criteria below - if you tick all the boxes, you're eligible to apply.

[Image]

2. Apply online

You can complete and submit your Orange One Rewards Platinum application in minutes.

[Image]

3. Stay tuned

We'll let you know when your application has been approved, and you'll receive your card within 5-7 business days after that.

Things to know before you apply:

To be eligible to apply for Orange One Rewards Platinum, you must:

Be aged 18+ and have a valid proof of ID - driver's licence, passport or Medicare

Earn $36,000 or more a year (before tax)

Be an Australian citizen, New Zealand or Australian permanent resident

Have and maintain an Australian residential address

Have a good credit rating and meet our credit lending guidelines

Hold an active Orange Everyday bank account, or request to open one along with your Orange One

Orange One Rewards Platinum is currently not available to Self Employed applicants.

You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Bank statements

Tax returns

Apply for an Orange One Rewards Platinum

Start application

More about ING credit cards

Important Information

Product Issuers

Credit Cards

Interest free period available only where entire revolving balance plus monthly instalment amounts (on any existing instalment plans) are repaid in the previous statement period.

1% cashback

Instalment Plans

ING Pocket Perks

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

ING acknowledges the Traditional Custodians of Country throughout Australia and their connection to lands, waters and communities. We pay our respect to their Elders past and present and extend that respect to Aboriginal and Torres Strait Islander employees, partners and stakeholders. View our Reconciliation Action Plan.

Important Information

Did you find this answer useful?

Open an Orange One Rewards Platinum

To be eligible to apply for Orange One Rewards Platinum, you must:

Be aged 18+ and be able to provide us with your ID documents

Earn $36,000 or more a year (before tax)

Be an Australian citizen, New Zealand citizen, or a permanent resident of Australia

Maintain an Australian residential address

Hold an active Orange Everyday bank account or request to open one when you apply

Note: Orange One Rewards Platinum is currently not available to self-employed applicants.

New customer Existing customer

Source: https://www.ing.com.au/credit-cards/tips-hints-guides/understanding-interest-rates-and-fees.html

Understanding Interest Rates & Charges

[Image]

Credit cards can be a secure and flexible way to pay for things, much like a debit card. You can use them to pay for purchases online, over the phone and when you're in a store. They can also be a convenient way to borrow money (up to your credit limit) when you do not have your own funds available right away, allowing you to pay back the balance at a time when you can afford it (minimum monthly repayments do apply though).

Along with the features and benefits of a credit card, you should also consider the interest rate, fees and charges that apply.

Interest is a charge for borrowing money from a bank or financial institution when you use your credit card. It is ordinarily applied when you have an outstanding balance and are not within the interest-free period. Credit card interest is generally calculated daily on any outstanding balance and is charged at the end of the statement period if you are not eligible for interest-free days. How much interest you pay depends on which type of credit card you have, what type of transaction you make (find out more about cash advances below) and when you make your repayments.

Credit card Interest rates

Standard purchase rate: this relates to the things you buy on your credit card (e.g. groceries, petrol, subscriptions, online shopping etc) it is generally the most referenced interest rate on your card and is referred to as the annual percentage rate (APR). For example the APR on purchases for an ING Orange One Low Rate credit card is 12.99% p.a. variable.

Cash advances: A cash advance interest rate is the rate charged when you withdraw cash like you would from a debit or savings account. Cash advance transactions, such as ATM withdrawals or cash-out at shops, often attract interest rates that are higher than the standard purchase rate and they usually attract interest from the moment they're made. The ING Orange One Low Rate credit card does not have a higher interest rate for cash advances, but fees will apply and no interest fee period is offered.

Instalment plans: Credit cards with an instalment plan feature allow you to 'lock in' a lower interest rate than the standard purchase rate. With ING Orange One Credit card, if you have a balance of $250 or more, and you're not going to pay it off in one hit, you can move this amount to an instalment plan (at a lower interest rate than the APR), and pay it off in fixed monthly instalments.

Limitations and exclusions apply to the establishment of instalment plans.

Compare credit card rates across the range of ING credit cards. Find the best credit card purchase rates to suit you and your lifestyle.

Interest free days

Interest-free days on credit cards are a set number of days in which you won't be charged any interest on purchases. At ING, we won’t charge interest on purchases shown on your statement if you’ve paid the amount due on your previous statement in full by the due date.

Most credit cards come with an interest free period on standard purchases, and ING has up to 45 days interest-free on Orange One credit cards. Let's have a closer look at an example of how the interest free benefit may work. You can also find more information on how to regain the interest free period in the Orange One Terms Conditions

[Image]

Credit card fees

Some credit cards come with an annual fee which varies between banks and the type of credit card. The credit card annual fee is deducted from your available credit and accrues interest at the purchase rate unless an interest free period applies or you pay it off to $0.

During the life of your credit card you may be charged other fees. Some include late payment fees, over limit fees, international transaction fees and cash advance fees.

With an ING Orange One credit card we try to keep the fees as low as possible but fees still do apply. See our rates and fee schedule to see all the fees that apply.

Tools to get you ahead:

Compare ING credit cards

FAQs

FAQ 1 Heading

FAQ 1 text

FAQ 2 Heading

FAQ 2 text

FAQ 3 Heading

FAQ 3 text

FAQ 4 Heading

FAQ 4 text

Important Information

Information and interest rates are current as at the date of publication and are subject to change. Limitations and exclusions apply to the establishment of instalments, including minimum purchase values, number and term of instalments. Interest free period available only where entire revolving balance plus monthly instalment amounts are repaid in the previous statement period.

All applications are subject to ING's eligibility and credit assessment criteria. Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions booklet, Fees and Limits Schedule, Key Facts Sheet, Credit Guide, Cashback Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Android, Google Pay and Google Play are registered trademarks of Google LLC. You should consider the Google Pay Terms and Conditions for ING customers when setting up mobile payments on your eligible device.

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Source: https://www.ing.com.au/help-and-support/documents-and-forms/home-loans.html

Documents and forms

Here are all the documents and forms you need to do your banking with ING.

Home Loans

Home loans

Post Settlement Fees and Charges lists our fees, if any, after settlement

Pre Settlement Fees and Charges lists our fees, if any, before settlement

ING Home Loan Terms and Conditions

Credit Guide contains some important information you should know before you take out an ING home loan

Application for Financial Support

LMI Fact Sheet information regarding Lenders Mortgage Insurance

Interest Only payments

Orange Advantage - Target Market Determination

Mortgage Simplifier - Target Market Determination

Fixed Rate Home Loan - Target Market Determination

Forms - new borrowers

Fixed Rate Lock In Request Form is completed to lock in a fixed rate before settlement with our

Gift Policy Statutory Declaration Form is completed where money used towards the property purchase is provided as a gift

To provide operating instructions and authorised signatories for loan accounts, complete a Loan Account Instructions Form (Company) or Loan Account Instructions Form (Personal)

Verifying Your Identity Form must be signed by an acceptable referee to verify your identity

Land Title Verification of Identity Form

Forms - existing borrowers

Mortgage Discharge Request is completed when you are selling your property, paying out your home loan or refinancing to another lender

Power Of Attorney Details Form

Change to Operating Authority Form is used to change the way you operate on your account (any to operate / all to operate)

Changing Accounts Form must be signed by all borrowers and/or account holders to change your Direct Debit Account or Nominated Accounts

To provide operating instructions and authorised signatories for loan accounts, complete a Loan Account Instructions Form (Company) or Loan Account Instructions Form (Personal)

Residential Loan Variation request

Change of personal details form

Product Switch Form is completed to change or split the product type of your home loan

Principal Reduction Request Form is for reducing repayments following a principal repayment

Loan Purpose Declaration form for requesting a change of your loan purpose from investor to owner occupier

Land Title Verification of Identity Form

Important Information

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Source: https://www.ing.com.au/assets/pdf/Gift_Policy_Statutory_Declaration_0709.pdf

Page 1 of 2 | ING IM255 | 03/21 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Note 1 A person who intentionally makes a false statement in a statutory declaration is guilty of an offence, the punishment for which is imprisonment for a term of 4 years — see section 11 of the Statutory Declarations Act 1959. Note 2 Chapter 2 of the Criminal Code applies to all offences against the Statutory Declarations Act 1959 — see section 5A of the Statutory Declarations Act 1959. Gift policy statutory declaration Step 1: Insert the name, address and occupation of person making the declaration Step 2: Set out matter declared to in numbered paragraphs Step 3: Signature of person making the declaration Step 4: Signature of person before whom the declaration is made (see over) Step 5: Full name, qualification and address of person before whom the declaration is made (in printed letters) I, 1 of State Postcode make the following declaration under the Commonwealth of Australia Statutory Declarations Act 1959: I am making a non repayable gift of $ to of State Postcode to assist with the purchase of a property. I am aware that I am required to provide ING with personal information to support this declaration which will be held by ING in accordance with the ING Privacy Policy located at ing.com.au. Signature Place Day Month Declared at 4 on 5 of 6 / Before me. Signature Full name Qualification Address State Postcode

Page 2 of 2 | ING IM255 | 03/21 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 A statutory declaration under the Statutory Declarations Act 1959 may be made before – (1) a person who is currently licensed or registered under a law to practise in one of the following occupations: Chiropractor Dentist Legal practitioner Medical practitioner Nurse Optometrist Patent attorney Pharmacist Physiotherapist Psychologist Trade marks attorney Veterinary surgeon (2) a person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described); or (3) a person who is in the following list: Agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public Australian Consular Officer or Australian Diplomatic Officer (within the meaning of the Consular Fees Act 1955) Bailiff Bank officer with 5 or more continuous years of service Building society officer with 5 or more years of continuous service Chief executive officer of a Commonwealth court Clerk of a court Commissioner for Affidavits Commissioner for Declarations Credit union officer with 5 or more years of continuous service Employee of the Australian Trade Commission who is: (a) in a country or place outside Australia; and (b) authorised under paragraph 3 (d) of the Consular Fees Act 1955; and (c) exercising his or her function in that place Employee of the Commonwealth who is: (a) in a country or place outside Australia; and (b) authorised under paragraph 3 (c) of the Consular Fees Act 1955; and (c) exercising his or her function in that place Fellow of the National Tax Accountants’ Association Finance company officer with 5 or more years of continuous service Holder of a statutory office not specified in another item in this list Judge of a court Justice of the Peace Magistrate Marriage celebrant registered under Subdivision C of Division 1 of Part IV of the Marriage Act 1961 Master of a court Member of Chartered Secretaries Australia Member of Engineers Australia, other than at the grade of student Member of the Association of Taxation and Management Accountants Member of the Australasian Institute of Mining and Metallurgy Member of the Australian Defence Force who is: (a) an officer; or (b) a non-commissioned officer within the meaning of the Defence Force Discipline Act 1982 with 5 or more years of continuous service; or (c) a warrant offi cer within the meaning of that Act Member of the Institute of Chartered Accountants in Australia, the Australian Society of Certifi ed Practising Accountants or the National Institute of Accountants Member of: (a) the Parliament of the Commonwealth; or (b) the Parliament of a State; or (c) a Territory legislature; or (d) a local government authority of a State or Territory Minister of religion registered under Subdivision A of Division 1 of Part IV of the Marriage Act 1961 Notary public Permanent employee of the Australian Postal Corporation with 5 or more years of continuous service who is employed in an office supplying postal services to the public Permanent employee of: (a) the Commonwealth or a Commonwealth authority; or (b) a State or Territory or a State or Territory authority; or (c) a local government authority; with 5 or more years of continuous service who is not specified in another item in this list Person before whom a statutory declaration may be made under the law of the State or Territory in which the declaration is made Police officer Registrar, or Deputy Registrar, of a court Senior Executive Service employee of: (a) the Commonwealth or a Commonwealth authority; or (b) a State or Territory or a State or Territory authority Sheriff Sheriff’s officer Teacher employed on a full-time basis at a school or tertiary education institution

Source: https://www.ing.com.au/assets/pdf/INGD%20Fixed%20Rate%20Lock%20In%20Form%20Web%20Version.pdf

Page 1 of 1 | ING IM224 | 10/23 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Introducer name: (if applicable) Introducer number: (if applicable) Deal number or account number: Applicant name(s): By signing below, I/we understand and agree that: • a fee of $749 will be payable for each loan application where a Fixed Rate interest rate lock-in is requested; • the interest rate will only be locked in once ING receives payment of the Rate Lock In fee (i.e. the payment details have been completed below and this request and the Rate Lock In fee have successfully been processed); • if ING accepts this request, the interest rate will be locked in for 90 days from the receipt of payment of the Rate Lock In fee and can not be extended after this date; • If I/we request to rate lock after the Letter Of Offer has been issued and before the settlement date, I/we understand that a new Letter Of Offer will be required and a re-documentation fee of $250 will be payable; • if the settlement date of my/our loan is no later than 90 days from the date on which ING has accepted this Rate Lock In request, the interest rate that will apply to my/our fixed rate loan will be the lower of the locked in rate or the ING fixed rate applicable on the settlement date; • if the settlement date for the loan does not occur within the 90 day period, the interest rate that will apply to my/our loan will be the ING Fixed Rate on the settlement date; • if any changes are made to the loan application once the Rate Lock In request has been lodged and processed, for example a change to the fixed interest period or the loan amount varies (greater than $10,000), any Rate Lock In fee that has already been paid will be forfeited and a further Rate Lock In fee will be payable; • The Rate Lock In fee is only refundable if my/our loan application is declined; • acceptance of this request by ING does not constitute approval of my/our loan application or an offer to provide credit; and • ING reserves the right to not accept this request. Each applicant to sign: Applicant name Applicant signature Date (DD/MM/YY) / / / / / / / / I/we wish to pay the Rate Lock In fee using the following payment method: Credit card (details to be completed below) Received from Mr Mrs Ms Miss Other Full name Please debit my Visa Mastercard for the amount of $749 Card number Expiry date / Cardholder’s signature Fixed rate loan lock-in request WARNING: If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totaling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be re-documented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. There is no offset facility available on a fixed rate loan. The offset facility is only available on the Orange Advantage home loan account when linked to an Orange Everyday account.

Source: https://www.ing.com.au/assets/pdf/INGD_IM0591112_PreSettlementFeesandCharges.pdf

Page 1 of 2 | ING IM059 | 09/24 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Pre-settlement fees and charges Fee name Amount and details Settlement Fee $350 For each loan application and is charged at settlement. Orange Advantage Annual Package Fee* $299 An annual package fee that gives you benefits such as a 100% interest offset facility, a discount on an owner occupied fixed rate and no variation fees. Fixed Rate Lock in $749 (per fixed rate loan account) Charged to lock in your fixed rate prior to settlement. Change to letter of offer $250 This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement. Other Fees Other fees may be payable for services including bank cheques or PEXA fees, land title registration, agency settlement, telegraphic transfer/EFT, old system/qualified land title.

The Orange Advantage Annual Package Fee is non-refundable. Note: This list does not include Lenders mortgage insurance (if applicable) or Government charges and duties which may include stamp duty on the mortgage, stamp duty on the transfer of land and registration fees. You will also need to allow for your own legal representation if applicable. Issue date: 9 October 2024 This is a guide to the fees and charges that may be payable by you in relation to the settlement of your ING home loan. Post settlement Fees and charges For details of fees that may be payable once your loan settles, please refer to the Post Settlement fees and charges brochure.

Page 1 of 2 | ING IM059 | 09/24 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Orange Advantage Mortgage Simplifier Fixed Rate (1-5 years) Owner Occupied or Investment Yes Yes Yes Monthly or fortnightly repayments Yes Yes Yes Interest Only repayments** Yes Yes Yes (only for investors) Repayments - Direct Debit from the linked bank account

One-off electronic payment
Direct Credit
Salary Credit
Cheque
Direct Debit from the linked bank account
One-off electronic payment
Direct Credit
Salary Credit
Cheque
Direct Debit from the linked bank account
One-off electronic payment
Direct Credit
Salary Credit
Cheque Additional payments Yes Yes Less than $10,000 per year^ Redraw facility Yes Yes No Offset facility Through your Orange Everyday No No Online and phone banking access# Yes Yes Yes Bpay ® Yes Yes No Pay Anyone Yes Yes No ATM/EFTPOS access Through your Orange Everyday No No Cheque Book access No No No Annual Fee Yes No No Combine with other ING loans Yes Yes Yes Substitution of security Yes Yes Yes Total loan term Up to 30 years Up to 30 years Up to 30 years ** Interest Only repayments can only be made monthly, maximum term is 5 years. Fixed rate interest only available for investors. ^ If you select a fixed rate loan, break costs may be payable if at any time before the fixed term expires, you (1) pay out your loan or you make additional payments of $10,000 or more in an anniversary year, (2) you ask us to make certain changes to your loan including your loan type, your repayment type, your loan purpose or your fixed interest period. Break costs may be substantial. Any additional payments or advanced funds are not available for redraw during the fixed term. # Conditions and restrictions apply to online and phone banking access. BPAY® is a registered trademark of BPAY® Pty Ltd ABN 69 079 137 518. All applications for credit are subject to ING’s credit approval criteria. Information is current as at the issue date and is subject to change without notice. Get in touch For more information on our home loans, visit our website ing.com.au or phone our Contact Centre on 133 464 . Summary comparison chart

Source: https://www.ing.com.au/assets/pdf/INGD_IM097_0715_WEB.pdf

Page 1 of 4 | ING IM097 | 02/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 How to complete the Loan Account Instruction Form Handy hints Section 1: Direct Debit Request In this section, provide us with details of the account you wish us to debit your regular loan repayments from. You are providing us with the authority to debit your account(s) as per your instructions and in accordance with the Home Loan Terms and Conditions. Section 2: Set up your offset account ( Note: Orange Advantage customers only) If you already have an Orange Everyday transaction account, that is not linked to a Home Loan, then you can nominate this account to become your offset account. If you don’t already have an Orange Everyday Transaction Account or if your Orange Everyday is already linked to a Home Loan, then ING can set one up for you and this will be your Offset. For each Orange Advantage home loan account you open, you must nominate one Orange Everyday account to be linked in order to receive the benefit of the interest offset facility. Important information to understand before you nominate your offset account/s: • Only Orange Everyday accounts can be used for offset purposes. We cannot link a Savings Maximiser or Savings Accelerator to your Orange Advantage home loan. • The name/s on the Orange Everyday account/s must match the names of the Orange Advantage loan/s. This means; • if you have a joint Orange Advantage your Orange Everyday account needs to be held in the same joint names. • if you hold a single Orange Advantage in only your name, you can only link Orange Everyday accounts in your name, and not in joint names. • You can only link one Orange Everyday to one Orange Advantage. This means; • you cannot link one Orange Everyday to two Orange Advantage home loans, and, • you cannot link two Orange Everyday accounts to one Orange Advantage. • If you have chosen to split your home loan across two Orange Advantage home loans you must nominate two separate Orange Everyday accounts to be linked. • Where you have no other existing open Orange Advantage accounts, the annual fee for your Orange Advantage will automatically be debited from the Orange Everyday that you have nominated for ‘Orange Advantage Loan account 1’ as stated on your Loan Offer. Joint account holders please note Your loan account will be set up to allow any one to operate, meaning we will accept and act on instructions from any borrower. If you would like to change this after settlement, simply contact ING on 133 464. Section 3: Give authority to contribute funds at settlement ( Note: Orange Everyday customers only) We recommend liaising with your solicitor or conveyancer before completing this section. Sometimes there is a shortfall between the loan amount and the balance due at settlement. By completing this section, you authorise ING to automatically debit your nominated Orange Everyday account to cover the shortfall at settlement. Important notes: • At least one account holder of the Orange Everyday account nominated in Section 3 must be an account holder for the loan/s. • If funds are not readily available in the nominated Orange Everyday account, settlement may not occur. • Funds required for settlement can vary up until the time of settlement. Section 4: Declare and sign In this section you are acknowledging and agreeing to certain matters relating to the information, instructions and authorisations given in the form. Before you sign this section take some time to review the Direct Debit Request Service Agreement on the last page.

Page 2 of 4 | ING IM097 | 02/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Please provide the account details for your home loan repayments to be debited from . Loan Account Instruction Form Borrower details Loan application details Section 1: Specify the account to make your repayments from Full name Borrower 1 Borrower 2 Borrower 3 Borrower 4 Loan application reference number Account holders’ name (one party must be a loan account holder) BSB number (must be 6 digits) Account number Name of Financial Insitution

Direct Debit amount: Minimum repayment OR $ nominated amount (greater than minimum). Repayment frequency: Monthly Fortnightly Section 2: Set up your offset account Please only complete this section if you are opening an Orange Advantage Home Loan. Before completing this section, please ensure you have read and understood ‘Section 2’ on page 1. Nominating your offset account/s If you already have an Orange Everyday account, you can nominate this account to become your offset by providing the details below (as long as it’s not already linked to a home loan). If you don’t already have an Orange Everyday account, we can set one up for you if you tick the check box below. Please note: If you have split your loan across multiple products and would like to nominate multiple accounts to make your repayments from, you can update your Direct Debit details after settlement by getting in contact with ING. Orange Advantage Loan 1 Limit amount ($) Orange Everyday - Account holder’s name(s) BSB number Orange Everyday - Account number 923-100 Yes , I/we would like to open a new Orange Everyday transaction account for offset purposes. By checking ‘Yes’, I acknowledge that: • I/we have read and agree to the Orange Everyday Terms and Conditions booklet and Fees and Limits Schedule available at ing.com.au/everyday. I agree I have been given the opportunity to print or save them and that I will not otherwise be provided with a copy (unless I ask for one). I also acknowledge that ING can send statements and other communications to me in relation to my Orange Everyday account electronically including by email, SMS or by making them available to me via ING online banking. • I/we request that ING sends me a Visa Debit Card when my Orange Everyday transaction account is opened. OR Orange Advantage Loan 2 Limit amount ($) Orange Everyday - Account holder’s name(s) BSB number Orange Everyday - Account number 923-100 Yes , I/we would like to open a new Orange Everyday transaction account for offset purposes. By checking ‘Yes’, I acknowledge that: • I/we have read and agree to the Orange Everyday Terms and Conditions booklet and Fees and Limits Schedule available at ing.com.au/everyday. I agree I have been given the opportunity to print or save them and that I will not otherwise be provided with a copy (unless I ask for one). I also acknowledge that ING can send statements and other communications to me in relation to my Orange Everyday account electronically including by email, SMS or by making them available to me via ING online banking. • I/we request that ING sends me a Visa Debit Card when my Orange Everyday transaction account is opened. OR If you’re opening two Orange Advantage Loans, set up your offset account for the second loan:

Page 3 of 4 | ING IM097 | 02/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Section 3: Authority to debit ING account to contribute additional funds at settlement Complete this section if you want ING to debit your nominated Orange Everyday account to cover any shortfall in funds that might occur at settlement. If you’ve engaged a conveyancer or solicitor, please liaise with them prior to completing this section. I/we authorise ING to debit the below ING Orange Everyday Account to provide funds at settlement. I/we will ensure any funds I/we are required to provide at settlement are available in the below nominated ING Orange Everyday account at least 72 hours prior to settlement. I/we acknowledge that if the funds are not available, settlement may be delayed or cancelled. BSB number Orange Everyday - Account number 923-100 Section 4: Declare and sign By signing below, each Borrower agrees and acknowledges that: • ING is entitled to act on the instructions and authorisations provided in this form; • each of them has received and read the Home Loan Terms and Conditions, and ING will act on all instructions given in this form in accordance with those Terms and Conditions; • all information provided by them in this form is true and correct; • the instructions and authorisations in this form remain in force unless or until they are revoked or replaced; and • by signing and providing us with a valid instruction in respect to your Direct Debit Request, you consent and acknowledge that: • you are authorised to give Direct Debit instructions on the bank account to be debited, including where that account is held in joint names; • at least one borrower on the loan account is also an account holder on the bank account to be debited; • you authorise and request ING Bank (Australia) Limited (‘ING’) (User ID 028241) to debit your nominated account/s for the amounts stated above, and any other amount that ING has deemed payable by you under the loan accounts to which the Direct Debit Request relates, including the annual fee. For external accounts, this debit will be made through the Bulk Electronic Clearing System (BECS) from the account/s you nominate above and will be subject to the terms and conditions of the Direct Debit Request Service Agreement in this form. By signing below, you have read and agreed to the terms and conditions governing the debit arrangements between you and ING as set out in the Direct Debit Request and the Direct Debit Request Service Agreement; and • any funds that we hold that are not required at settlement will be returned to you within 5 business days. Borrower 1 - Full name Signature Date of signature (DD/MM/YY) / / Borrower 3 - Full name Signature Date of signature (DD/MM/YY) / / Borrower 2 - Full name Signature Date of signature (DD/MM/YY) / / Borrower 4 - Full name Signature Date of signature (DD/MM/YY) / /

Page 4 of 4 | ING IM097 | 02/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 This is your Direct Debit Request (DDR) Service Agreement with ING. It explains our obligations to each other under our direct debit arrangement. Please keep this agreement for future reference. It forms part of the terms and conditions of your DDR and should be read in conjunction with your DDR authorisation. Please direct all enquiries about your direct debit arrangement to the Contact Centre on 133 464.

The direct debit arrangement • By signing the Direct Debit Request in Section 1 above, you have authorised us to arrange for funds to be debited from the account nominated in that section. The terms of the arrangement are set out in the Direct Debit Request and this Direct Debit Request Service Agreement. • You should check: • that your nominated account can accept direct debits (direct debiting may not available on all accounts). If in doubt, refer to your financial institution; and • that the account details for your external bank account are correct against a recent statement from the financial institution where it is held (please check with your financial institution if you are uncertain). • If you have any questions about how to complete the Direct Debit Request, please refer to your nominated financial institution. • We will only arrange for funds to be debited from your account as authorised in the DDR.
Our commitment to you • ING will give you at least 14 days notice in writing if there are changes to the terms of the drawing arrangements shown in your DDR. • ING will keep any information (including your account details) in your Direct Debit Request confidential, except where required for the purposes of this agreement (including disclosing information in connection with any query or claim) or as otherwise required by law. • Where the due date for a debit is not a business day, ING will direct your financial institution to debit your account on the following business day. If you are unsure about which day your account has been or will be debited, you should ask your financial institution.
Your commitment to us • It is your responsibility to ensure that there are sufficient clear funds available in your nominated account to allow a debit payment to be made on its due date in accordance with the Direct Debit Request. • If there are insufficient funds in your nominated account to enable a drawing to be made, we may apply a fee and/or interest for drawings which are dishonoured, in accordance with the Terms and Conditions of your ING account. Additionally, you may be charged a fee and/or interest by your nominated financial institution. You must arrange for the dishonoured drawings to be paid by another method, or arrange for sufficient clear funds to be in your account by an agreed time, so that we can process the drawing. • You must advise us if your nominated account is transferred or closed, or the account details change. • You must arrange a suitable alternative payment method if the drawing arrangements are cancelled. • Ensure that the authority given to us to draw on your nominated account is consistent with the account authority or signing instructions held by your financial institution for that account.
Your rights • Subject to the Terms and Conditions of your ING account, you may alter your debit arrangements. Instructions to do so should be received by us at least 5 working days before the due date of the debit by logging in to online banking or phoning the Contact Centre on 133 464. We will, however, process the changes earlier, if possible. You may alter the debit arrangements:

to stop an individual debit
to defer an individual debit
to suspend future debits
to alter the debit arrangements in any other way
to cancel the debit arrangement completely. You may also arrange to alter the debit arrangements in this way through your nominated financial institution, which is required to act promptly on your instructions. • You should check your account statement to verify that the amounts debited to your account are correct. Where you consider that a drawing has been initiated incorrectly, you should phone the Contact Centre on 133 464. Alternatively, you can also take it up directly with your nominated financial institution. We will investigate your concerns and endeavour to respond to you within 21 days. If we conclude a debit has been made in error, we will adjust your nominated account accordingly, and will notify you of the amount by which your account has been adjusted. If we conclude that a debit has not been made in error, you will be informed of this conclusion and the reasons for it.

Other information • ING reserves the right to ask that instructions from a customer to stop or in any way alter debit arrangements are provided in a written, verbal or electronic form. • ING reserves the right to cancel debit arrangements if three or more consecutive drawings are dishonoured by your nominated financial institution, and to arrange an alternative payment method with you. • Your debit arrangements are governed by the Terms and Conditions of your ING account. Direct Debit Request Service Agreement

Source: https://www.ing.com.au/assets/pdf/INGD_IM098_Loan_Acc_Instruction_0715_WEB.pdf

Page 1 of 4 | ING IM098 | 07/19 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Loan account name (Company/Trustee names): Apply these instructions to all Loan Accounts in the above names: (please tick) OR List account numbers to which these instructions apply: Note: This section is mandatory for all loan accounts This section allows you to determine who is authorised to operate your loan account and who is authorised to sign cheques drawn against your loan account (where applicable). If you select “Any one to operate” we will accept instructions from any authorised signatory on your loan account, including instructions received via telephone, mail or facsimile. We will also (where applicable) authorise for payment of cheques bearing the signature of any one authorised signatory. If you select “All to operate” we will require written directions signed by all Authorised signatories . Once you have completed and signed this form, please mail to ING Customer Services, GPO Box 4094, Sydney NSW 2001. Any one to operate (any authorised signatory may sign) All to operate (all authorised signatories must sign) Loan account instructions form Loan account instructions form - Company/Trust borrowers Section 1: Authority to operate Section 2: Authorised signatories Note: This section is mandatory for all loans. Only DIRECTORS of a Company can be nominated and authorised to operate the loan account in all respects as if they were an account holder. This authority does not extend to the Authorised Signatory’s amending or revoking this authority or authorising other persons to operate the account. Authorised signatories will have access to this account over the telephone via validation, provided any one to operate has been selected. Authorised signatory’s full name and company position Name Title Signature

Page 2 of 4 | ING IM098 | 07/19 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Section 3: Declaration Section 4: Cheque Book Order Note: This section is mandatory for all loans, and must be signed by ALL directors/trustees By signing this document each of us: • acknowledges that before signing this document each of us has received & read a copy of the terms & conditions relating to the loan account(s) referred to above. • acknowledges that, subject to the terms and conditions of the loan account(s) referred to above, each of us will be jointly and severally liable for all transactions on the above account even if those transactions are not authorised by all of us; If we have authorised you to accept instructions from any one authorised signatory (Section 1 above), each of us: • agrees to you acting on the instructions given to you in accordance with the terms and conditions of the loan account(s) referred to above, even if those instructions are given by one of us only; • consents to each person who signs this document authorising transactions on the loan account(s) and any other account(s) referred to above; • agrees that this authorisation will remain in force unless or until it is revoked by any one or more of us or you receive other instructions signed by all of us. Signed for and on behalf of: Name company/trust By: Name Signature Name Signature Name Signature Name Signature Note: This section is mandatory for Smart Home Loans and Action Equity Loans. Cheque books are not available on any other loan type. Cheque books will be issued in the name of borrowers, companies or trustees. If you do not require a cheque book, please tick the box:

Page 3 of 4 | ING IM098 | 07/19 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Section 5: Direct Debit request Note: this section is mandatory for ALL loans except: Action Equity Loans and Smart Home Loans. Direct Debit account The first account listed below will be your Direct Debit Account from which regular loan repayments under your loan agreement are automatically taken. Please note: Interest Only payments can only be made monthly, on the first day of each month. Nominated accounts The most convenient way to operate your redraw facility or make an additional payment on your loan account (where applicable) is to transfer funds electronically to or from a bank account of your choice. Please use this section to establish your “Nominated Bank Accounts” for this purpose. You can nominate up to 3 accounts in addition to the Direct Debit Account for this purpose and can select the required account each time you transfer funds. Your direct debit account will count as one of the four nominated accounts. The first row is for the direct debit account* details. Subsequent rows are for nominated account details. Financial Institution Name of account BSB number Account number Payment frequency Nominated amount Monthly Fortnightly $ Financial Institution Name of account BSB number Account number *The name of the account must be the same as the name(s) in which the loan account is held. If you do not nominate a fixed amount: and you have Smart Home Loan or an Action Equity Loan, you instruct us to debit the monthly interest charge to your Direct Debit Account in accordance with the terms and conditions of your loan; or you are making interest only payments on any other loan account, you instruct us to debit your Direct Debit Account with your required interest payment in accordance with the terms and conditions of your loan; or you are making monthly or fortnightly principal and interest payments on your loan account, you instruct us to debit the monthly or fortnightly repayment amount in accordance with the terms and conditions of your loan. By signing this Direct Debit Request below, you request and authorise ING (User ID 028241) to debit any of the accounts described above in accordance with your instructions set out above and with any other amount you instruct or authorise us to debit in accordance with the terms and conditions of your loan account, through the bulk Electronic Clearing System (BECS). Make sure that you complete all details for each account. If you do not complete all details, we will not be able to transfer funds to or from the accounts. I/We understand and acknowledge that this Direct Debit arrangement is governed by the Terms and Conditions of the Direct Debit Request Service Agreement on the reverse of this form and the Terms and Conditions of my loan account. Signed for and on behalf of: Name company/trust By: Name Signature Name Signature Name Signature Name Signature

Page 4 of 4 | ING IM098 | 07/19 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Direct Debit request service agreement This Direct Debit Request (DDR) service agreement is issued by ING. Please direct all enquiries about your direct debit arrangement to the ING Customer Service Centre on 133 464.

Our commitment to you • ING will give you at least 14 days notice in writing if there are changes to the terms of the drawing arrangements shown in your DDR. • ING will keep information relating to your nominated financial institution account confidential, except where required for the purposes of conductING debits with your financial institution. • Where the due date for a drawing is not a business day, ING will draw from your nominated financial institution account by the following business day. If you are uncertain as to when a drawing will be processed by your nominated financial institution you should initially contact that financial institution.
Your commitment to us • Ensure that your nominated account can accept direct debits. If in doubt, refer to your financial institution. • Ensure that there are sufficient clear funds available in your nominated account to meet each drawing on the due date. If there are insufficient funds in your nominated financial institution account to enable a drawing to be made, any amount debited to your account in anticipation of that drawing being made will be reversed. A fee may apply to drawings which are dishonoured, in accordance with the terms and conditions of your ING account. • Advise us if your nominated account is transferred or closed, or the account details change. • Arrange a suitable alternative payment method if the drawing arrangements are cancelled. • Ensure that all account holders on the nominated financial institution account sign the DDR. • Ensure that the authority given to us to draw on your nominated financial institution account is consistent with the account authority or signing instructions held by your financial institution for that account. • Check your nominated financial institution account details against a recent statement from the financial institution where it is held. (Please check with your financial institution if you are uncertain).
Your rights • Subject to the terms and conditions of your ING account, you may alter the drawing arrangements. Such advice should be received by us at least 7 working days before the draw date by contacting the ING Customer Service Centre on 133 464. You may alter the drawing arrangements:

to stop an individual drawing
to defer an individual drawing
to suspend future drawings
to alter the drawing arrangements in any other way
to cancel the drawings completely. • We will, however, process the changes earlier, if possible. • Where you consider that a drawing has been initiated incorrectly, you should contact the ING Customer Service Centre on 133 464. If you are not happy with our response you can address a formal complaint with the envelope marked ‘Notice of Complaint’ to the ING, Customer Support, GPO Box 4094, SYDNEY 2000.

Other information • The details of your drawing arrangements are in the Direct Debit Request (on the reverse of this Direct Debit Request Service Agreement). • ING reserves the right to ask that instructions from a customer to stop or in any way alter drawing arrangements are provided in a written, verbal or electronic form. • ING reserves the right to cancel drawing arrangements if three consecutive drawings are dishonoured by your nominated financial institution, and to arrange an alternative payment method with you. • Your drawing arrangements are governed by the terms and conditions of your ING account. Note: you may wish to take a copy of this agreement for your own records.

Source: https://www.ing.com.au/assets/pdf/INGD_IM215_1010_Change_to_Operating_AuthorityForm_Web_Version_FINAL.pdf

Page 1 of 1 | ING IM215 | 10/23 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Change to operating authority Step 1: Personal borrowers Step 2: Authority to operate Step 3: Declaration Surname First name Middle name Borrower 1 Borrower 2 Borrower 3 Borrower 4 Your loan account number(s): Once you have completed and signed the Change to Operating Authority form, please return your form to: Email: maintenanceprocessing.team@ing.com.au or Mail: ING Account Maintenance Team GPO Box 4094 Sydney NSW 2001 Any one to operate If you select ‘Any one to operate’ we will accept and act on instructions from any borrower on your loan account. This includes instructions received via online or phone banking, mail or fax. We will also (where applicable) authorise cheques bearing the signature of any one borrower. Please Note: Any one to operate is mandatory for all home loans in a single name, Orange Advantage and Smart Home Loan. All to operate If you select ‘All to operate’ we will require ALL instructions to be in writing and signed by ALL borrowers. Additionally, access to online or phone banking is unavailable where ‘All to operate’ is selected. Note: This section must be signed by ALL Borrowers By signing this document each of us acknowledges that: • prior to signing this document all borrowers have received & read a copy of the Home Loan Terms and Conditions relating to the loan account(s) referred to above. • subject to the terms and conditions of the loan account(s) referred to above, all borrowers will be jointly and severally liable for all transactions on the above account even if those transactions are not authorised by all of us; If we have authorised you to accept instructions from any one borrower (Section 1 above), all borrowers agree to: • ING acting on the instructions provided in accordance with the terms and conditions of the loan account(s) referred to above, even if those instructions are given by one of us only; • each person who signs this document authorising transactions on the loan account(s) and any other account(s) referred to above; • t his authorisation remaining in force unless or until it is revoked by any one or more of us, or you receive other instructions signed by all borrowers. Borrower’s full name Signature Date (DD/MM/YY) / / / / / / / / This authority cancels any previous authority given to the bank regarding persons authorised to operate on the accounts with the exception of transactions instructed prior to receipt of this authority.

Source: https://www.ing.com.au/assets/pdf/INGD_IM227_Post_Settlement_Fees_0715_WEB.pdf

Page 1 of 1 | ING IM227 | 12/24 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Post settlement fees & charges Action Equity Loan Fixed Rate and Green Upgrade Loan Mortgage Simplifier Smart Home Loan Orange Advantage Account-keeping fee – Annual Nil Nil Nil $180 $299* Additional statements $7/statement period $7/statement period $7/statement period $7/statement period $7/statement period Emergency replacement Visa card N/A N/A N/A US $175 N/A Replacement Visa card N/A N/A N/A $50/overseas only N/A Variation Fee Payable if you request an Increase/decrease to loan amount, Product Switch, Substitution of Security, Consent to Subdivision/2nd Mortgage, Removal or change to borrowers or guarantors^ $300 $300 **# $300 $300 NIL Discharge Full and Partial^ $250 $250 $250 $250 $250 Change NIVA limit N/A N/A N/A $250 N/A Dishonoured cheque – deposited into an ING account $9 $9 $9 $9 $9 Dishonoured cheque

drawn on line of credit $9 N/A N/A $9 N/A Direct debit rejected (each) $9 $9 $9 $9 $9 Late Payment Fee $30 $30 $30 $30 $30 Arrears Default letter (each letter) $40 $40 $40 $40 $40 Issue date: 4 December 2024 Fees and charges that will or may become payable by you after the settlement date: Information is current as at the date of this brochure and is subject to change. *The Orange Advantage Annual Package Fee is payable in advance on settlement and every year after that on the anniversary of the settlement. The Annual Package Fee is non-refundable. ^Additional legal costs, government charges or other fees may be payable. **Fixed rate loans will automatically switch at the end of the fixed/ term (as described in the Loan Offer) free of charge. #If you select a fixed rate loan, break costs may be payable if at any time before the fixed term expires, you (1) pay out your loan or you make additional payments of $10,000 or more in an anniversary year, (2) you ask us to make certain changes to your loan including your loan type, your repayment type, your loan purpose or your fixed interest period. Break costs may be substantial.

Source: https://www.ing.com.au/pdf/Change_Of_Personal_Details.pdf

Page 1 of 2 | ING 036 | 04/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Important Note: ^ Marriage Certificate must be issued by the relevant registry for marriages, e.g. Registry of Birth, Deaths and Marriages. It can not be a ceremonial certificate. * Please refer to Step 3 for a list of Acceptable Document Certifiers and instructions on how to certify a document. Step 1: Your personal details (mandatory) Step 2: Change your personal details About this form Please complete this form to amend any details to your name or date of birth (one form per client). Note: Changes requested in this form will be applied to all ING account/s held in your name (including Living Super account/s), except ING insurance policies. When completing this form please: • use CAPITAL letters • mark boxes with an X where applicable • use black pen. Previous name Mr Mrs Ms Miss First name Middle name Surname My previous signature Date (DD/MM/YY) / / New name Mr Mrs Ms Miss First name Middle name Surname My new signature Date (DD/MM/YY) / / Complete the relevant sections to change your personal details. Must be completed by the Account Holder. The reason for the change: Use a new name adopted by marriage (original certified copy* of Marriage Certificate^ must be attached) Use a former name (original certified copy* of Birth Certificate and one of the following must be attached: Marriage Certificate^ OR Change of Name Certificate OR Decree Nisi/Divorce Certificate) Use a new name (original certified copy* of Change of Name Certificate must be attached) Note: Please ensure document(s) provided show a link between your former and current name. I have provided the following: An original certified copy* of the following document(s) issued by the relevant registry body confirming my change of name: Correct Date of Birth (DD/MM/YYYY) / / I have provided the following: An original certified copy* of one of the following documents confirming my date of birth: Signature of Account Holder Date (DD/MM/YY) / / Note: * Please refer to Step 3 for a list of Acceptable Document Certifiers and instructions on how to certify a document. Driver’s Birth Passport Licence Certificate Other Mr Mrs Ms Miss First name Middle name Surname ING Client Number or Account Number Change of name Change of Date of Birth Other Marriage Certificate ^ (non ceremonial) Birth Certificate Change of Name Certificate Decree Nisi Change of personal details Other

Page 2 of 2 | ING 036 | 04/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Take the originals and copies of your identification documents to a document certifier from the list below. Ask them to follow the instructions in Section B.

A Justice of the Peace
An Accountant who is a member of the Australian Institute of Chartered Accountants, CPA Australia or the National Institute of Accountants with 2 or more years of continuous membership
A Solicitor or Barrister
A Police Officer
An agent in charge of, or a permanent employee (with 2 or more years of continuous service) of an Australia Post outlet
An officer with, or authorised representative of, a holder of an Australian Financial Services Licence, having 2 or more continuous years of service with one or more licensees
A Dentist
A Pharmacist
A Medical Practitioner
A Chiropractor or a Physiotherapist. If you are outside Australia, documents may only be certified by the following document certifiers:
A Notary Public, including a notary public (however described) exercising functions at a place outside; a) the Commonwealth; and b) the external Territories of the Commonwealth
Australian Consular Officer or Australian Diplomatic Officer (within the meaning of the Consular Fees Act 1955)
An authorised staff member of an Australian Embassy, High Commission or Consulate
An authorised employee of the Australian Trade and Investment Commission, who is: a) in a country or place outside Australia; and b) authorized under paragraph 3(d) of the Consular Fees Act 1955; and c) exercising the employee’s function at that place
An authorised employee of the Commonwealth of Australia, who is; a) in a country or place outside Australia; and b) authorized under paragraph 3(d) of the Consular Fees Act 1955; and c) exercising the employee’s function at that place
A Member of the Australian Defence Force who is; a) an officer or b) a non- commissioned officer within the meaning of the Defence Force Discipline Act 1982 with 2 or more years of continuous service; or c) a warrant officer within the meaning of that Act Note: A complete list of ING acceptable document certifiers is available on ing.com.au in the FAQ section. Section A - Select a certifier Step 3: How to certify a document The certifier must sight the original document and a copy of the document and include the following information on the copy: • “I hereby certify these pages to be a true copy of the original document” (or similar wording noting that some certifiers use stamps with standard wording)” • Date of the certification: dd/mm/yyyy • Full name of the certifier • Signature of certifier • Qualification or capacity of the certifier: (i.e. JP, Solicitor, etc.) • Registration Number: (if applicable) Section B - How to certify a document Step 4: What to do when you have completed this form Note: It is an offence under the Anti-Money Laundering / Counter-Terrorism Financing Act 2006 to provide a false or misleading statement, produce a false or misleading document, to receive an ING product in a false name or to fail to disclose any other name or names you are commonly known by. Please note that in sending your documents, you consent to your personal information being collected by ING and shared with other providers for the purpose of administration of your ING account/s, including Living Super account/s. For more information about how ING handles your personal information please see our Privacy Policy . If you have a Living Super account/s, please refer to the Living Super Privacy Policy . After you have had your documents correctly certified and this form completed, please scan all documents and send via email or post to: Email Post personal.details.au@ing.com ING Reply Paid 2682 SYDNEY NSW 2001 Important Note: Please ensure your document/s are certified as outlined above. Should the certification be completed incorrectly we will be unable to complete your request.

Source: https://www.ing.com.au/pdf/HomeLoans/LMI_Fact_Sheet.pdf

Page 1 of 1 | ING IM484 | 03/21 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 What is LMI? Lenders Mortgage Insurance (LMI) is insurance that provides ING (the lender) with additional protection in cases where you (the borrower) are in default on your home loan and the sale proceeds for the secured property is not enough to repay the full amount you owe under your home loan. LMI does not provide you with any protection and ING may still seek to recover this shortfall from you. Your LMI premium is a one-off premium you pay upfront, at the time of settlement of your home loan. ING uses a third-party insurer for its LMI, and ING passes this cost on to you. LMI is payable where your deposit is less than 20% of the value of the property. So LMI enables you to borrow loan amounts in excess of 80% LVR. How much LMI do you have to pay? Your LMI premium depends on a few things relating to your borrowing circumstances. The main factors which determine the cost of your LMI premium are: • the total amount you’re borrowing (that is, the total loan amount); • the total amount of your deposit; • the Loan to Value Ratio (commonly referred to as the LVR, which is a percentage calculated by dividing the amount you want to borrow by the property value); • whether you are borrowing as an owner-occupier or investor; and • your employment status. As the LVR and total loan amount increase, so does the cost of your required LMI. To know exactly how much LMI will cost you, please speak to your ING Home Loan Specialist or your broker. Does LMI insure you? No, LMI protects ING (as the lender) against any losses in cases where you (the borrower) are in default on your home loan, ING sells the secured property to recover the amount you owe under your home loan, and the proceeds of that sale are less than the amount you owe to ING under your home loan. What’s the difference between LMI and mortgage protection insurance? LMI is very different to mortgage protection insurance. LMI is insurance which protects ING (the lender) if you default on your home loan, whereas mortgage protection insurance protects you from defaulting on your home loan. LMI provides a benefit to ING (the lender), whereas mortgage protection insurance provides a benefit to you (the policyholder) (i.e. with mortgage protection insurance your monthly mortgage repayments may be covered if you are unable to work due to serious illness, disability, redundancy or death). How do I pay for LMI? The LMI premium is a one-off upfront payment, which is added (capitalised) to your home loan at settlement. This capitalised premium is paid off with your home loan by making your required repayments. As the LMI premium is added to your total home loan amount, you will also pay interest on this amount and it will increase what you owe on your loan and your minimum monthly repayments. Can I get a refund of my LMI premium? No, the LMI premium is not refundable for any reason, including in the event of early payment or termination of your home loan or reducing your LVR below 80% after settlement. Also, you’re unable to transfer the LMI cover to another lender or loan, even if that loan is in your name with ING. Does ING obtain a commission on the LMI premium charged by the lenders mortgage insurer? ING will only charge you the actual cost of the LMI premium calculated by the lenders mortgage insurer and does not obtain a commission. The entire LMI premium is set out in your loan offer and paid by you to ING upon settlement. ING adds that amount to your total home loan amount, and forwards the premium to the insurer. Lenders Mortgage Insurance (LMI) Fact sheet

Source: https://www.ing.com.au/pdf/INGD_IB242_0715.pdf

Home Loans Terms and Conditions Feel at home with the fine print. 15 December 2025

2 Do I really need to read this? Since you’re just about to make one of the biggest commitments of your life, you should have a read. We know it’s 136 pages (we tried to make it shorter!). So make a big cuppa, put your feet up and once you’ve gone through this booklet keep it somewhere safe in case you need to refer to it later.

3 Thank you for considering an ING Home Loan. Before you consider whether an ING Home Loan will meet your needs, please read this Terms and Conditions booklet. It gives you helpful information, such as key features and the Terms and Conditions that apply to our home loans. These Terms and Conditions do not contain all of the information that we are required to give you before you enter into the contract. The rest of the information is contained in the Loan Offer and the Fee Schedule. Some words in this booklet have special meanings. To make this booklet easier to read, take some time to go through the glossary which is titled “Explaining words in Plain English” on page 119. Words that are in the glossary are included in this booklet in italics ( like this ). You can’t miss them. For more information visit ing.com.au or call us on 133 464. The information in this Terms and Conditions booklet is up to date as at 15 December 2025.

4 Contents

When we can (and can’t) give you the green light 9 • A few things before we get started 9 • When we can’t lend you money 10 • What you need to tell us 11 • Amounts owed when the contract ends 12
Getting a feel for our home loans 13 • How we lend you money 13 • What happens if you repay early? 14 • All about redraw 17
A step by step look at lines of credit 19 • How to borrow from your line of credit 19 • Can we cancel the line of credit? 21 • Can you cancel the line of credit? 22 • When the line of credit is cancelled 22
A flexible feature of our line of credit 23 • About your nil interest Visa account 23
Interest Charges in English 25 • How we calculate interest 25 • Interest charges 26 • Changes to the interest rate 27
How we calculate interest for Offset 28 • Orange Advantage - interest payments and calculations 28 • Situations when Offset may not apply 30 • Our right if you default on your loan 30
Changing Products 31 • Requesting a change to your interest rate, loan type, repayment type or loan purpose 31 • Our response and next steps 32

5 8. Fees and Charges - a quick outline 33 • What do I pay? 33 9. Statements 34 • When you’ll receive a statement 34 • Checking your statement 34 10. Know what you owe 35 • The short and sweet facts about what you will owe 35 11. The rules of repayments 36 • What you need to pay 36 • A repayment that puts your loan in credit 37 • How payments are applied 37 • Adjustments to the balance of your loan 37 12. Security, what’s involved? 39 • What happens when your security includes a mortgage 39 • Disclosure of documents to each guarantor 40 • Lender’s Mortgage Insurance 40 • Replacement of mortgaged property 41 13. What you can, can’t and have to do with Security Deposits 42 • Establishing a security deposit account 42 • Restrictions relating to a security deposit account 42 • Withdrawal of the security deposit 43 • Interest 44 • Nominated accounts 45 • Closing the security deposit account 45 14. Checking our valuations 47 • Mortgage property valuations and costs 47 15. What happens when you are in default? 48 • When you are in default 48

6 • Anti-money laundering and counter-terrorism financing 51 • If we hold more than one security 52 • Enforcement expenses 52 16. Things change 54 • Changes we can make to this contract 54 • When we’ll notify you 55 17. Some housekeeping notes for each loan under this contract 57 • What happens when there is more than one loan under this contract 57 18. Just checking you know everything about the cheque facility 58 • The cheque facility 58 • Authorised signatories 59 • All about cheques 60 19. The nitty gritty of our Interactive Service 65 • Using our Interactive Service 65 • Enhanced security measures 66 • Joint accounts and third parties 67 • Keeping your Codes secret and Visa Credit Card secure 68 • Fees, charges and limits 73 • Accessing the website 74 20. The whole kit and caboodle of the Visa Credit Card 76 • The card 76 • How you can use your card 77 • Transactions outside of Australia 81 • Expiry date and replacement cards 82 • Cancelling your Visa Credit Card 82 • De-activating your Visa Credit Card or PIN 84

7 21. Who’s responsible? 85 • Some important things 85 • When you’re not liable 86 • When you’ll have limited liability 87 • When you’ll be liable 88 • Liability for unreasonably delaying notifications 89 • Liability caused by equipment malfunctions 89 • Liability when using a Visa Credit Card without a PIN 90 • Liability for BPAY® payments 90 • Mistaken Internet payments 91 • Misdirected payments 97 22. All about BPAY® 99 • How to use Bpay® 99 • Payments 100 • Processing times 101 23. Do not disturb 103 24. For trustees only 107 25. R.E.S.P.E.C.T 108 • What to do if you have a concern 108 • Concerns regarding your Visa Credit Card 109 • Who else to contact 110 26. General (but still important) information 111 • Notices 111 • Governing law 112 • Consumer credit legislation 113 • Assignment 113 • Inconsistency 114 • Stops on your loan account 114 • Your warranties 115 • Financial Abuse Policy 115 • Other 116

8 27. Explaining words in Plain English 119 28. Information statement 128 • The contract 128 • Insurance 130 • Mortgages 132 • General 134

9 Before we will lend you any money, there’s a bit of paperwork that needs to be sorted out. To help you be a bit more prepared, here’s a list of what’s needed. The more we can have all our ducks lined up, the easier and quicker it will be for us to assess your loan , and if approved press the button on the funds. 1.1 We do not have to lend you any money unless we have received and are satisfied with: (a) each security and any documents or information we require in relation to any security ; (b) evidence that you’ve paid or made satisfactory arrangements to pay any applicable conveyance, transfer stamp duty or similar levy in connection with each security ; (c) evidence of any insurance we require; (d) evidence that council, water and other rates, taxes or charges for any mortgaged property are paid and up to date;  A few things before we get started  When we can’t lend you money  What you need to tell us  Amounts owed when the contract ends A few things before we get started 1. When we can (and can’t) give you the green light.

10 (e) any report or valuation we require; (f) evidence that any guarantor understands the risks involved in giving his or her guarantee and indemnity; (g) any certificate of independent advice from a solicitor or certificate of financial advice from a financial adviser we require; (h) evidence you meet the customer eligibility criteria ; and (i) any other document, evidence or information we reasonably require and ask you to provide. 1.2 We do not have to lend you all or any money or can end this contract before we have lent you any of the loan if: (a) any of the items listed in clause 1.1 are not provided to us or are not satisfactory to us; (b) you don’t borrow any part of the amount of credit under any loan within 60 days of the disclosure date; (c) you are using any part of a loan to purchase any mortgaged property , and the purcha se price of that mortgaged property on the settlement date is lower than the purchase price of that property stated in your application for the loan ; (d) any security has been withdrawn or is otherwise ineffective; (e) any information you or a security provider gives us (or information we have about you, a security provider or any security ) is incorrect, misleading or has changed since we received it; (f) in our opinion, your circumstances, fi nancial condition or affairs have changed adversely in respect of your ability to perform your obligations under this contract since the disclosure date ; When we can’t lend you money

11 1.3 Before you obtain any credit under this contract , you must tell us if anything has happened which prevents you from complying with your obligations under this contract or if there are changes to your position as stated in all the declarations you have made to us in connection with this contract . 1.3.1 We collect certain information about you in order to determine your Foreign Tax Residency Status and, where required by law , report that information, as well as information about any account you hold, to the Australian Taxation Office. The Australian Taxation Office is required to exchange that information with equivalent foreign country tax authorities in accordance with the Australian Government’s international obligations. In order to determine your Foreign Tax Residency Status , we may need to obtain additional information from you, including documentation and certifications. If you don’t provide any information we reasonably (g) we reasonably form the view that you are ‘high risk’ given our obligations under anti-money laundering, counter-terrorism financing laws , sanctions laws and having regard to the risks in providing our services to you (for example, risk posed by your sources of funds and wealth, your business or employment, the countries in which you reside, the services we provide to you and the method through which you access those services, and/or your status as a politically exposed person ); (h) you have not provided us with all of the information we reasonably require to determine your Foreign Tax Residency Status. What you need to tell us

12 request by the time we require it, we may seek the information from a third party. Any determination made by ING regarding your Foreign Tax Residency Status does not constitute tax advice. Amounts owed when the contract ends 1.4 If this contract ends, you must still pay all amounts you are required to pay under this contract up to the time that this contract ends. 1.4.1 If you end this contract before you have obtained any credit under this contract , you must also pay all fees and charges we debit in respect of any of our costs we still have to pay in relation to services we have provided to you, or carried out in preparation, for providing the loan to you.

13 How we lend you money 2.1 How much you can borrow 2.1.1 Once we agree to lend you the amount of credit , we can debit all (or any part of) the amount of credit to your loan account on the day we lend it to you. 2.1.2 You must borrow all the amount of credit in one lump sum. We will lend you the amount of credit by: (a) direct transfer to a nominated account ; or (b) providing a bank cheque in your name or to another person as directed by you. You need to let us know in writing the amount of the bank cheque and who you want it made out to. 2. Getting a feel for our home loans.  How we lend you money  What happens if you repay early?  All about redraw Here are the ins and outs of how much you can borrow, additional payments , break costs and our redraw facility. The provisions in this clause 2 apply to each home loan .

14 What happens if you repay early? 2.2 Additional payments, changes to your loan and break costs 2.2.1 You may make additional payments to us at any time. 2.2.2 If you have a fixed rate loan you may be charged break costs if, before the expiry of the fixed interest period: (a) you make additional payments of $10,000 or more (either as a single payment or multiple payments) in any one-year period (with the first one-year period starting on the first day of the fixed interest period ). (b) You pay out that fixed rate loan or an amount becomes due and payable under clause 15.1.2. (c) we agree to change your loan type or fixed interest period that applies to your loan . For example, if we agree to a request you make to switch from a 5 year fixed rate loan to a 2 year fixed rate loan, or switch from a fixed rate loan to a variable rate loan ; (d) we agree to change the repayment type that applies to your loan . For example, if we agree to a request you make to switch from interest only repayments to principal and interest repayments. (e) we agree to change the loan purpose . For example, if we agree to a request you make to switch from an owner-occupier fixed rate loan to an investor fixed rate loan . In the remainder of this clause 2.2, the actions detailed in clause 2.2.2(a), 2.2.2(b), 2.2.2(c), 2.2.2(d) and 2.2.2(e) are each referred to as a “ break costs event ”. 2.2.3 When we provide a fixed rate loan to you we need to fund it through the financial markets .

15 To do this, we lock in our funding costs at a particular rate for the full fi xed interest period. If you cause a break costs event to occur during a fi xed interest period for your fixed rate loan, the interest we receive from the fi xed rate loan (for the amount of any early payment of the loan made as a result of the break costs event) stops, but our funding costs continue for the remaining fi xed interest period. We do not make a pro fi t from charging break costs. These costs simply compensate us for any fi nancial loss we incur. How break costs are calculated 2.2.4 In calculating break costs, we look at the movement in our costs of borrowing funds from the market. We do this by comparing: • the cost of funds for the full fixed interest period at the date we provided the funds to you; and • the cost of funds for the remaining term of the fixed interest period at the date you cause the break costs event to occur. We work out the movement in our cost of funds by reference to the movement in the rates at which banks lend to each other (sometimes referred to as “wholesale interest rates”) between the relevant dates. Specifically, we look to the wholesale market swap rates. If the wholesale swap rate applicable for the remaining term of the fixed interest period on the date you cause the break costs event to occur is less than the wholesale swap rate on the date we provided the funds to you we will make a loss, as we must continue to pay interest on those funds at a higher rate for the remainder of your fixed interest period .

16 Break costs are calculated by multiplying the amount of loan principal remaining at the time of the break costs event by the remaining term of the fixed interest period and by the change in our cost of funds (adjusted for receiving the money earlier than we otherwise would have as a result of the break costs event as applicable). Example 2.2.5 Assume that you borrowed $250,000 from us for a fixed interest period of 4 years. A “break cost event” occurs 2 years later (for example, you tell us you would like to pay out your fixed rate loan in full). On this date, you have 2 years remaining of your fixed interest period and your loan balance has reduced to $240,000. Say that on the date we provide you the funds ( settlement date ), the wholesale swap rate for 4 year fixed terms was 7.00%p.a. and 2 years later (the date on which the “break cost event” occurs), the wholesale swap rate for 2 year fixed terms (the amount of your fixed interest period remaining) is 4.00%p.a. The difference, or the movement in our cost of funds, will be 3.00%p.a. Break cost are calculated as the present day value of: the amount of loan principal remaining the remaining term of the fixed interest period the movement in our cost of funds X X For the purposes of this example, the break costs calculation will be $240,000 x 2 x 3.00%p.a., which equals $14,400. This amount is then “discounted” back to the present day value using a formula that calculates how much the inflow of that value

17 Warning: Break costs could be substantial, particularly if interest rates fall during the fixed interest period . Before you decide to repay a portion or pay out a fixed rate loan , or ask us to change your loan type or fixed interest period , repayment type that applies to your loan , or loan purpose contact us for an estimate of the amount of the break costs. in the future would be worth if it were made in full today. In the example above, the discount period remaining is 2 years. The above example is based on a situation where you pay out your fixed rate loan in full, and would also apply to a situation where you wish to switch your fixed rate loan to a variable rate or to a different fixed interest period . However, the calculation would be different if you made additional payments , changed the repayment type that applies to your loan or changed your loan purpose in accordance with clauses 2.2.2(a), 2.2.2(d) and 2.2.2(e) respectively. In the case of making any additional payments , we would only multiply the amount of any additional payment by the remaining term of the fi xed interest period and the movement in our cost of funds. 2.3 Redraw facility 2.3.1 If your loan has a redraw facility, this clause 2.3 applies to that loan . 2.3.2 Subject to this clause 2.3, you may redraw, on any day during the loan term , an amount from the loan account , up to but not exceeding th e amount by which the scheduled balance for that loan account on that day exceeds the balance . All about redraw

18 You cannot redraw an amount under a fixed rate loan during the fixed interest period applying to that loan. 2.3.3 We may at our discretion: (a) refuse access to any amount under the redraw facility; or (b) suspend, reduce or cancel the redraw facility; Outlined in this clause 2.3 if: (c) you’re in default under this contract ; (d) your financial circumstances have significantly changed in respect of your ability to perform your obligations under this contract since the settlement date ; or (e) it is reasonably necessary for compliance with our obligations under anti-money laundering and counter-terrorism financing laws, and sanctions laws . 2.3.4 You may redraw amounts under clause 2.3.2 by: (a) requesting a bank cheque payable to you or another person . If the bank cheque is payable to another person, you must make the request to us in writing; or (b) subject to applicable withdrawal limits, using our Interactive Service to instruct us to transfer the amount from your loan account to another account. 2.3.5 Redraw will no longer be available, if you or your representative request a final payout figure on your loan (this is usually just before settlement).

19 A line of credit is a flexible loan . You can access funds when you need to and only pay for what you use. If you don’t make repayments you can let your interest add up, until you reach 100% of your credit limit. Once you reach your credit limit , repayments are interest only. You can make additional payments or repay the loan in full at anytime. The provisions of this clause 3 apply to each line of credit . This section applies only to Action Equity Loans, Smart Home Loans, Home Equity Loans, Lo Doc Line of Credit Loans and Lo Doc Smart Home Loans. 3.1 How to borrow an amount 3.1.1 There are many ways you can get an advance on your line of credit . Subject to the terms of this contract , you can: (a) ask us to give you a bank cheque payable to you or to another person . If it’s payable to another person you need to make the request to us in writing; 3. A step by step look at lines of credit.  How to borrow from your line of credit  Can we cancel the line of credit?  When the line of credit is cancelled How to borrow from your line of credit

20 (b) ask us to transfer the amount from your loan account to another account by letting us know in writing the BSB number, account number, account name, the amount to be transferred and the date the transfer is to occur. To alter, stop or suspend a transfer from your loan account to another account, you need to make the request to us in writing at least five business days before the transfer date; (c) use our Interactive Service to transfer money from your loan account to another account; (d) authorise a third party ( such as a health insurance or utilities provider) to request payments from your loan account . To alter or stop the authorisation you need to make the request to us in writing. We’ll process your request promptly. We suggest you also contact the third party and tell them not to request the payment; (e) write a cheque against your loan account (if you have a cheque facility attached to your line of credit ). clause 18 sets out the terms that apply; (f) use a Visa Credit Card (if it’s attached to your loan account ). This is the only way you can get credit from your nil interest Visa account . Details of how your Visa Credit Card operates are set out in clause 20; or (g) use any other means we authorise from time to time. 3.1.2 We may refuse to pay you an amount requested under clause 3.1.1 if we consider that paying you that amount might cause the balance of your loan account to exceed the credit limit . We will take into consideration your current balance and any amounts charged, accrued or payable but not yet debited to your loan account .

21 3.1.3 We can debit to your loan account any amount provided to you on the day we provide you the amount. 3.2 Your line of credit is payable on demand 3.2.1 We can demand at any time that you pay to us the balance of your loan account , plus any amounts charged, accrued or payable but not yet debited to your loan account . This doesn’t apply where you’re in default, we separately have rights as set out in clause 15. 3.2.2 If we make a demand under clause 3.2.1, your line of credit is cancelled. We will send you notice telling you the amount that you must pay us, which will include the balance of your loan account plus any amounts charged, accrued or payable but not yet debited to your loan account . 3.2.3 You acknowledge that there is no agreement, arrangement, or understanding between us that repayment will only be demanded on the occurrence or non- occurrence of a particular event. 3.3 Credit limit 3.3.1 You must ensure that the balance of your loan account doesn’t exceed your credit limit . If the balance of your loan account exceeds your credit limit , you must repay the amount that’s over your credit limit and any interest charged on your loan account immediately. 3.3.2 We can change the credit limit at any time. If we decide to reduce the credit limit , unless you are in default we will advise you of this in writing as soon as possible afterwards. We will not increase the credit limit unless you ask us to or you give us your written consent. The credit limit does not change Can we cancel the line of credit?

22 simply because we debit an amount to your loan account that takes the balance of your loan account over the credit limit applicable to that loan account. 3.4.1 You can cancel the line of credit at any time by: (a) telling us in writing; and (b) paying us the balance of the loan account applying to that line of credit , plus any amounts still owing but not yet debited to that loan account. 3.5.1 If the line of credit is cancelled (either by you or us): (a) you must not try to get any credit under the line of credit; (b) the rest of this contract continues to operate; and (c) you must immediately: (i) return to us or destroy any unused cheques; (ii) cut your Visa Credit Card in half (if you have one under this contract ) and inform us that you’ve done so; and (iii) let us know of any Visa Credit Card or cheque transactions you’ve completed in the previous 30 days. Can you cancel the line of credit? When the line of credit is cancelled

23 With your line of credit you may also have access to a nil interest Visa account . Up to 3% of your approved home loan, to a maximum of $10,000, is allocated to your nil interest Visa account . You can access these funds: • with your Visa Credit Card using EFTPOS to get cash out; • at any ATM in Australia carrying the Visa symbol; • with your personalised cheque book; • by using your Visa Credit Card to purchase goods or services from merchants; and • by transferring funds using our Interactive Service . The provisions of this clause 4 apply to any loan described in the Loan Offer as having access to a nil interest Visa account . 4.1 The loan accounts that we’ll establish for you 4.1.1 For the purposes of your loan we’ll establish two loan accounts in your name, these are: (a) a nil interest Visa account ; and (b) an account representing the balance of your loan account (i.e. line of credit account). 4.2 How interest is charged to your line of credit account This section applies to Smart Home Loans and Lo Doc Smart Home Loans only. 4. A flexible feature of our line of credit. About your nil interest Visa account

24 4.2.1 We’ll charge interest on the balance of your line of credit account as set out in clause 5. 4.2.2 We won’t charge interest on the balance of your nil interest Visa account . 4.3 How the balance of your nil interest Visa account is managed 4.3.1 On the first day of each month, the negative balance of your nil interest Visa account will be transferred to your line of credit account. This transfer will occur by debiting the amount of that balance to your line of credit account and crediting that amount to your nil interest Visa account . Once the balance of your nil interest Visa account has been transferred to your line of credit account, interest will become payable on that balance in accordance with clause 5. 4.3.2 As the negative balance of the nil interest Visa account is transferred to the line of credit account on the first day of each month, no payments are required to be made into the nil interest Visa account . 4.4 Visa Credit Cards linked to your nil interest Visa account 4.4.1 If your loan is in more than one name, you can request a Visa Credit Card for each of you (up to a maximum of four Visa Credit Cards per loan account). Each of the Visa Credit Cards can be used to make withdrawals from the nil interest Visa account as described in clause 20.2.1. 4.4.2 Generally only withdrawals, and any applicable fees and charges, will be debited to your nil interest Visa account . All borrowers are liable for amounts debited to the nil interest Visa account , even if they’re not a Visa Credit Card holder.

25 Interest can sometimes seem tricky but we’ve tried to make it as simple as possible. If you have any questions, don’t hesitate to call for more information. 5.1.1 The provisions of this clause 5 apply to each loan account under this contract except a nil interest Visa account or the Orange Advantage . 5.1.2 Subject to clause 5.1.3, we calculate interest charges on a daily basis by applying the daily percentage rate to the daily balance . If you have more than one loan account, interest charges are calculated on a daily basis by applying the applicable daily percentage rate to the relevant portion of the daily balance of each loan account. 5.1.3 Under this contract , a default rate of interest may be charged when payments are in default. If you do not pay any amount payable under this contract on or by its due date for and you are: (a) an individual, interest charges on that overdue amount, from that due date for payment to the date it is paid (exclusive), 5. Interest charges in English.  How we calculate interest  Interest charges  Changes to the interest rate How we calculate interest

26 will instead be calculated by applying the daily default rate to that amount. And that overdue amount will, for that period, not form part of the daily balance for the purpose of clause 5.1.2; or (b) a company, from that due date for payment until it is paid (exclusive), interest charges will instead be calculated by applying the daily default rate to the daily balance (and not by the method described in clause 5.1.2). 5.2.1 We debit interest charges to your loan account monthly, on the last day of each month. We can also debit interest charges at the following times: (a) immediately before we credit to your loan account a payment that equals or exceeds the balanc e of your loan account at that time; and (b) at the end of the loan term ; and (c) on the day the balance of your loan account and any other amounts charged, incurred or payable but not yet debited to your loan account become due and payable under clause 15.1.2. 5.2.2 The amount of interest charges debited will equal the sum of interest charges calculated for each day in the period commencing: (a) from the settlement date (in the case of the first interest debit); otherwise (b) the day following the last day for which an interest charge was debited. and ending: (c) where the interest charge debit takes effect earlier than (before) the end of the day on which it is debited; otherwise (d) the day on which the interest charge is debited. Interest charges

27 5.3.1 We can change the interest rate (including the reference rate ) applicable to your loan account at any time except the interest rate applicable to a fixed rate loan during a fixed interest period applying to that account. We will exercise this right fairly and reasonably and may act in accordance with our business needs. If any law regulates that change, we may only change to the extent permitted by, and subject to, the requirement of that law . We’ll notify you of changes to the interest rate in accordance with clause 16.1.4. 5.3.2 You can find out what any current reference rate s or interest rates under this contract are by visiting our website ing.com.au or by calling a Customer Care Specialist on 133 464. Changes to the interest rate

28 6.1.1 The following offset arrangement (“Offset”) applies if you have an Orange Advantage . 6.1.2 Only one Orange Everyday account may be linked to your loan account for Offset purposes. 6.1.3 We do not pay interest on the Orange Everyday account linked to your loan account . What we do is provide an interest offset for the interest calculated on a portion of your loan account balance that is equal to the positive balance in your Orange Everyday account. 6.1.4 The actual interest debited to your loan account at the end of each month is calculated by taking the total notional interest on the loan reduced by your total interest offsets. 6.1.5 Specifically, the process by which the interest on the balance on your loan account is reduced by reference to the positive balance in your Orange Everyday account is as follows: 6. How we calculate interest for Offset.  Orange Advantage - interest payments and calculations  Situations when Offset may not apply  Our right if you default on your loan Orange Advantage - interest payments and calculations

29 (a) notional interest on your loan is calculated daily by using the close of business balance of your loan multiplied by the annual percentage interest rate and divided by 365; (b) interest offsets are calculated daily based on the portion of the close of business balance of your Orange Everyday account that does not exceed the amount outstanding on your loan account , multiplied by the annual percentage interest rate that applies to your loan divided by 365. (Note: we do not calculate an interest offset and do not pay interest on any portion of the balance of your Orange Everyday in excess of the amount outstanding on the loan account , nor do we pay interest on your Orange Everyday account where the loan has been repaid); (c) all daily calculations of notional interest amounts and interest offsets are rounded to five decimal places; (d) all daily calculations of notional interest amounts are added together to five decimal places. Likewise all daily calculations of interest offsets are added together to five decimal places; and (e) at the end of each month the total of daily notional interest amounts gets rounded to two decimal places. Likewise, at the end of the month the total of daily interest offset amounts gets rounded to two decimal places. The actual interest debited to your loan account at the end of each month is calculated by taking the total notional interest on the loan reduced by your total interest offsets.

30 6.2.1 Your Orange Everyday account will no longer be linked to your loan account , and Offset will no longer apply, if: (a) you close your Orange Everyday account or tell us that the Orange Everyday account should no longer be linked to your loan account (unless at the same time you nominate another Orange Everyday account in the same name(s) as your loan account ); (b) you or your representative request a fi nal payout fi gure on your loan (this is usually just before settlement); (c) you repay your loan in full and close your loan account ; (d) you switch to another loan type; or (e) we terminate your Offset in accordance with clause 6.2.3. 6.2.2 If any of the things listed above occur, other than closing your Orange Everyday account, then the Orange Everyday account will return to the standard Orange Everyday Terms and Conditions . 6.2.3 We may terminate or vary your Offset by giving you at least 30 days’ notice in writing. Situations when Offset may not apply Our right if you default on your loan 6.3.1 If you default on your loan account and balance of your loan account and any other amounts charged, incurred or payable but not yet debited to your loan account immediately have become payable under clause 15.1.3, we may apply the credit balance in your Orange Everyday account against the amount you owe us on your loan account .

31 Requesting a change to your interest rate, loan type, repayment type or loan purpose There may be times when you need or want to change to a different product. Here’s what happens. 7.1.1 You may request us to change: (a) the type of interest rate that applies to a loan to any other type of interest rate which is then available from us (for example, from a fixed rate to a variable rate or vice versa); (b) the loan type that applies to a loan to any other loan type which is then available from us (for example, from Orange Advantage to Mortgage Simplifier or vice versa); (c) the repayment type that applies to a loan (for example, from interest only repayments to principal and interest repayments, or vice versa); or (d) the loan purpose that applies to a loan to any other type of loan purpose which is then available from us (for example from an owner-occupier Orange Advantage loan to an investor Orange Advantage loan, or vice versa) (each is a “Requested Change” .) 7. Changing products  Requesting a change to your interest rate, loan type, repayment type or loan purpose  Our response and next steps

32 7.2.1 If we agree to your request: (a) we’ll write to you setting out the changes to the terms of your contract and any other information required by law ; and (b) the Requested Change will apply to the loan from the date stated in that notice as the date that the change will apply (the “re-set date”). 7.2.2 If we agree to change the type of an interest rate to a fixed rate then: (a) the fixed rate will apply to the loan during the fixed interest period specified in the notice; (b) the fixed interest period will begin on the re-set date; (c) at the end of the fixed interest period , the variable rate applicable to similar loan products then available from us will apply to the loan . 7.2.3 If we agree to change the type of interest rate that applies to a loan from a fixed rate to a variable rate, the fixed interest period will cease applying to that loan from the re-set date. Refer to clause 2.2 for further information on the fees or break costs which may apply. Our response and next steps

33 8.1.1 You must pay to us the following fees and charges (which are authorised by this contract ): (a) all government taxes, duties and charges, including any goods and service taxes relating to this contract , your loan account and its operation, whether or not you are principally liable for them; and (b) the credit fees and charges set out in the Loan Offer and Fee Schedule which are payable at the times specified in the Loan Offer and Fee Schedule. These include fees for dishonoured transactions and fees that apply when your loan account is in arrears or a repayment is overdue. 8.1.2 We can debit these fees and charges to your loan account . 8.1.3 Information on our standard fees and charges is available on request. 8. Fees and charges – a quick outline. What do I pay?

34 9.1 We’ll provide you with a statement for each: (a) home loan at least every six months; and (b) line of credit at least every month, or such shorter intervals as we decide. However we may not send a statement if the law does not require us to. 9.2 Please check your statements carefully and let us know immediately if you have any questions or queries. 9. Statements.  When you’ll receive a statement  Checking your statement When you’ll receive a statement Checking your statement

35 Once we debit an amount to your loan account , (if it is not already owed) you owe us that amount. 10. Know what you owe. The short and sweet facts about what you will owe

36 11.1.1 You must make the repayments in the amounts and when required by the Loan Offer , or as otherwise required by the contract or by us. However, we cannot require you to pay any amount that exceeds the balance of your loan account plus any amounts charged, accrued or payable but not yet debited to your loan account . 11.1.2 For each home loan , you must pay us the balance of your loan account plus any amounts charged, accrued or payable but not yet debited to your loan account at the end of the loan term if they have not become due and payable any earlier. 11.1.3 We do not treat a payment as having been made until we have received the payment and we credit it to your loan account . 11.1.4 Repayments must be made in Australian currency, and must not be received from a non-Australian source without our prior written consent. 11. The rules of repayments.  What you need to pay  A repayment that puts your loan in credit  How payments are applied  Adjustments to the balance of your loan What you need to pay

37 11.5 We may adjust the balanc e of your loan account, including: (a) backdating debits or credits or account corrections to take into account any processing error; 11.2 If we receive a payment that puts your loan account in credit, we may: (a) not accept that payment and refund it to you; (b) credit that payment to your account and refund the amount by which your loan account is in credit; or (c) credit that payment to your loan account and leave your loan account in credit. You won’t be paid interest on the amount by which your loan account is in credit. 11.3 Payments received by us under the contract may be applied by us to any amounts you owe us under the contract in any order we reasonably determine. If you have any other loan contracts with us you can tell us how any payment you make to us is applied. If you do not tell us how the payment is to be applied, we will apply the payment to all or any of the loan contracts in any way we think fit. 11.4 You must not make a payment under a loan contract using your nil interest Visa account or a cheque facility we have issued to you under this contract. How payments are applied Adjustments to the balance of your loan A repayment that puts your loan in credit

38 (b) because a payment has been dishonoured; (c) because there are refunds or corrections to your loan account ; or (d) otherwise so as to accurately reflect the legal position between you and us.

39 If your security includes a mortgage, you need to be aware of what’s involved and what you’re actually agreeing to. It’s better to know than to have any surprises. 12.1 If the security includes a mortgage: (a) you must ensure the mortgagor meets their obligations under the mortgage; (b) any expenses incurred by us in preserving or maintaining the mortgaged property (including insurance, rates and taxes payable for that property) after a breach occurs and which are authorised by the mortgage will be an enforcement expense under clause 15.4; and (c) if the mortgaged property can be insured, you must ensure that the mortgaged property is adequately insured and that the insurer knows and notes on the policy, us as mortgagee. If you do not, we may take out that insurance and any premium we pay will be an enforcement expense under clause 15.4. 12. Security, what’s involved?  What happens when your security includes a mortgage  Disclosure of documents to each guarantor  Lender’s Mortgage Insurance  Replacement of mortgaged property What happens when your security includes a mortgage

40 12.3.1 We may take out and maintain Lender’s Mortgage Insurance in relation to your loan . This isn’t the same as property insurance as it doesn’t protect you as a borrower. It protects us as the lender in case you default under this contract and we’re still owed money after enforcing any security . 12.2 You agree that we can disclose the following documents to each guarantor named in your Loan Offer : (a) a copy of any notice, including correspondence, to us or to you in relation to the contract ; (b) a copy of your loan account statements of account; (c) a copy of the contract ; (d) a list of any related security documents; (e) any credit report from a credit reporting body which relates to you and the contract ; (f) any current credit-related insurance contract that is in our possession; (g) any financial accounts or statement of financial position you have given us in the previous two years for the purposes of your loan ; and (h) any other information we have about your loan that the guarantor named in the Loan Offer reasonably requests and we are required to provide. Disclosure of documents to each guarantor Lender’s Mortgage Insurance

41 12.3.2 You must pay the premium for the Lender’s Mortgage Insurance or reimburse us if we have paid it. Lender’s Mortgage Insurance is non-refundable. 12.3.3 You will be responsible for repaying any amount owed to us that we cannot recover from the insurer, and you may become legally responsible for paying the insurer the amount outstanding under this contract . 12.4 You must not sell, transfer or otherwise deal with any mortgaged property during the loan term without our prior written consent (which will not be unreasonably withheld). Generally, we’ll only agree if you provide a replacement mortgaged property satisfactory to us. Replacement of mortgaged property

42 13. What you can, can’t and have to do with Security Deposits.  Establishing a security deposit account  Restrictions relating to a security deposit account  Withdrawal of the security deposit  Interest  Nominated accounts  Closing the security deposit account 13.1.1 If we agree, you may deposit cash (of an amount satisfactory to us) with us (a “ security deposit ”). The security deposit will be held in your name in an account (“ security deposit account”). 13.1.2 The security deposit and the security deposit account operate to secure your obligations under the loan , including , without limitation, the repayment of the loan account . 13.2 You must not: (a) make additional payments , or transfer funds, to the security deposit account; Establishing a security deposit account Restrictions relating to a security deposit account

43 (b) assign, transfer, create a security interest over, or otherwise deal with any rights you have in the security deposit or the security deposit account; (c) use the security deposit or the security deposit account for any purpose other than as contemplated in this agreement; or (d) withdraw or transfer funds from the security deposit account, unless: (i) permitted or required to do so by this clause 13; or (ii) we have given prior written consent to do so (which we will not unreasonably withhold). 13.3.1 You can only transact on your security deposit account to: (a) pay us the amount you owe us in full under your loan account ; or (b) finance the purchase of replacement mortgaged property acceptable to us. 13.3.2 You must give us written instructions if you wish to withdraw funds from your security deposit account to pay us the amount you owe us in full. You do not need to give us any prior notice to do this. However, if you instruct us to withdraw money for this purpose after 4pm on a business day , we will process your instructions on the next business day . 13.3.3 You must give us prior written notice acceptable to us and obtain our prior written consent (which we will not unreasonably withhold) if you wish to transact on your security deposit account in any other way. Withdrawal of the security deposit

44 Interest 13.4 We will pay interest on the security deposit account in accordance with this clause 13.4. (a) The interest rate on the security deposit account is variable and may change. Information about current interest rate is available from us by calling 133 464 and will also be set out in the statement of account for the security deposit account. (b) Interest is calculated on the daily closing balance of the security deposit account by multiplying the daily closing balance by the interest rate (as a percentage) and dividing this figure by the number of days in a calendar year. (c) We will notify you of any variation to the interest rate by advertisement in the national media or in writing to you, no later than the day on which the variation takes place. (d) Interest accrues from the day the opening deposit is made to the security deposit account. Interest is credited to your account on the last day of each quarter and on the day the account is closed. Subject to clause 13.4(e) if you have told us to credit the amount of accrued interest to your nominated account , we will transfer the amount of interest credited to your security deposit account to your nominated account on the next business day . Interest will be available in your nominated account in accordance with the terms and conditions that apply to your nominated account . (e) Any interest credited to your security deposit account when the security deposit account is closed must be used to either (at our discretion): (i) assist in financing replacement mortgaged property acceptable to us; or

45 (ii) reduce the amount you owe us. (f) We may also, in our discretion, agree to pay you some or all of this interest by cheque. 13.5.1 You can nominate up to four nominated accounts at any one time. Your nominated account may be your loan account . 13.5.2 Your nominated account must be in the same name as at least one of the account holders and in accordance with the signing authority of the loan account. 13.5.3 If you are a joint account holder, we will need written instructions from all joint account holders if you wish any interest credited to the security deposit account to be transferred to your nominated account . 13.5.4 Interest credited to the security deposit account will not be transferred to your nominated account if we cannot verify your nominated account details. 13.5.5 You may change your nominated account , or any of the details of your nominated account , by submitting a signed online or paper form to us or calling us on 133 464. We will tell you what information we need and the procedure to follow when you contact us. Your new nominated account or requested changes will take effect when verified by us. Verification will take 3 to 10 business days, we will, however, process the changes earlier, if possible. Nominated accounts Closing the security deposit account 13.6.1 You instruct us to close your security deposit account by making a transaction in accordance with clause 13.3.1. Your

46 security deposit account will be closed immediately upon that transaction being completed. You cannot close your security deposit account in any other way. We will pay you any remaining positive balance of the security deposit account (if applicable) by transferring that amount to your nominated account . If you do not have a nominated account , we will pay you any remaining positive balance by cheque. 13.6.2 We may close your security deposit account immediately (and by giving you any notice required by law ) or refuse to process any transactions if: (a) in relation to the security deposit account you breach clause 13.2 or clause 13.3.1; (b) in relation to your loan account you breach any of clauses 1.3, 1.3.1, 2.3.2, 3.2.1, 3.2.2, 3.3.1, 8.1.1, 11, 12 or 15.4 and you have become liable to pay us the balance of your loan account and any other amounts charged, incurred or payable but not yet debited to your loan account under clause 15.1.3; (c) we suspect fraudulent activity; (d) we cannot verify your identity; or (e) you fail to provide us with replacement mortgaged property acceptable to us within 3 months of opening the security deposit account. 13.6.3 If we close your security deposit account for any of these reasons, we will apply the proceeds of the security deposit account towards discharging the payment of the amount you owe us under the loan account . We will pay you any remaining positive balance of the security deposit account (if applicable) by transferring that amount to your nominated account . If you do not have a nominated account , we will pay you any remaining positive balance by cheque.

47 14.1.1 We will only have your mortgaged property valued: (a) when you apply for the loan ; (b) when you apply to vary the loan ; (c) if the loan is in default; and (d) if you propose to sell the mortgaged property for an amount which is less than the loan balance . 14.1.2 We use the valuation specifically for our own purposes. If you wish to have a valuation for your own personal needs, we recommend you organise this separately. 14.1.3 Any valuations , will be at your cost. 14. Checking our valuations. Mortgage property valuations and costs

48 This clause explains what ‘default’ means and what happens if you are in default. 15.1.1 You’re in default if: (a) you don’t pay any repayment payable under this contract , on or before its due date; (b) you’re in breach of clauses 1.3, 1.3.1, 3.2.1, 3.3.1, 8.1.1, 11 or 12, or any material undertaking given to us at any time; (c) you, or another person acting with your knowledge or permission, give us incorrect or misleading information in connection with this contract or a security and we have relied on that information in entering into this contract; (d) we reasonably believe you, or another person acting with your knowledge or permission, have acted fraudulently in connection with this contract; 15. What happens when you are in default?  When you are in default  Anti-money laundering and counter- terrorism financing  If we hold more than one security  Enforcement expenses When you are in default

49 (e) we reasonably believe the information you or a security provider gave us in relation to meeting our customer eligibility criteria was incorrect, misleading or has changed so that you no longer meet the customer eligibility criteria ; (f) you or a security provider defaults under a security or withdraws from it; (g) you are a company: (i) you or a security provider becomes insolvent; or (ii) steps are taken to wind you or a security provider up or appoint a liquidator, receiver or administrator to you or a security provider or to place any part of your or a security provider’s assets into administration. (h) a power of sale arises under any security interest you or a security provider has given to us over any mortgaged property ; (i) you commit an act of bankruptcy; (j) you are convicted of a criminal offence; (k) you pass away or become incapable of managing your affairs; or (l) we reasonably believe that continuing this contract with you would cause us to breach a relevant law or would represent an unacceptable level of risk for us due to the following: (i) we reasonably believe that you have migrated to a country that we determine is ultra high risk given our obligations under anti-money laundering, counter- terrorism financing and sanctions laws in respect of the services we provide (for information on relevant countries, please contact us);

50 (ii) you fail to provide any information or document to us that we have requested for the purpose of our compliance with a relevant law (including Foreign Tax Residency Status self certification or any details necessary for us to verify your nationality in accordance with anti- money laundering, counter-terrorism financing and sanctions laws ); or (iii) we reasonably form the view that you are ‘high risk’ given our obligations under anti-money laundering, counter-terrorism financing and sanctions laws having regard to our obligation to consider the risks posed by your sources of funds and wealth, your business or employment, the countries in which you reside, the services we provide to you and the method through which you access those services, and/or your status as a politically exposed person . 15.1.2 If you’re in default, then subject to clause 15.1.3 and clause 15.1.4, the balance of your loan account and any other amounts charged, incurred or payable but not yet debited to your loan account , become automatically due and payable. 15.1.3 We will send you a default notice telling you what the default is, what you have to do to remedy the default, and that you will have at least 30 days from the date of the notice to remedy the default. If you do not comply with a default notice, or if the law does not require us to give a default notice or for the default notice to require that your default be remedied, you will become liable to pay us the balance of your loan account and any other amounts charged, incurred or payable but not yet debited to your loan account immediately. We may exercise all or any of our rights under the loan contract or under any security .

51 15.1.4 Except where you are in default in the circumstances described in clauses 15.1.1(a) and clause 15.1.1(b), we may not take any of the steps described in clause 15.1.2 unless we make an assessment (acting reasonably) that your default is material. We might consider your default to be material either by its nature or because it had, or is likely to have, a material impact on: (a) your ability to meet your financial obligations with us; (b) a security provider ’s ability to meet their financial obligations us; (c) our credit or security risk (or our ability to assess these risks); or (d) our legal or reputation risk. 15.2 Notwithstanding any other rights we have, if you are in default in the circumstances described in clause 15.1.1(l) we may be required under applicable laws and regulations, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), and any other legislation, regulations or rules that apply to us in respect of anti-money laundering and counter-terrorism financing laws , as well as Australian and international sanctions laws : (a) to collect and handle certain personal information about you. This may include: I. Sensitive personal information such as health, ethnicity, religious or political beliefs, and biometric or genetic data (collected only with your explicit consent, or where required by law). II. Customer identification information required to verify your identity, determine and report your foreign Anti-money laundering and counter- terrorism financing

52 If we hold more than one security 15.3 If we hold more than one security , we can enforce any one or all of the securities, at different times or the same time. tax residency status, and comply with extraterritorial legal and regulatory requirements. III. Additional information as required to meet anti-money laundering and counter-terrorism financing laws and sanctions obligations . IV. Information about your transactions. (b) disclose information relating to you or your loan account to Australian and overseas regulators, government agencies, and other partners as required by law ; (c) stop, prohibit, delay, block or freeze transactions; (d) close your home loan account or deal with it in any way required by law ; (e) screen your details against applicable sanctions lists and take appropriate action if a match is identified, including delaying, blocking or refusing transactions. (f) undertake monitoring, reporting and record-keeping in line with our legal obligations; and (g) take other action required by law . Enforcement expenses 15.4 Enforcement expenses may become payable under this contract or any security (or both) in the event of a breach. You must pay us all reasonable enforcement expenses we reasonably incur or expend arising from

53 any default under this contract or under any security . We can debit these amounts to the loan account and they are payable when they are debited. Where reasonable and practicable, we will give you notice before we debit enforcement expenses to the loan account . 15.5 If you are in default we may, acting reasonably and in accordance with our business needs, apply any money in any other account you may have with us, including a security deposit account against the amount you owe us.

54 16.1.1 Acting reasonably, we can change this contract ( such as by varying an existing provision or adding a new provision) at any time without your consent for one or more of the following reasons: (a) to comply with any change or anticipated change in any relevant law , code of practice, guidance or general banking practice; (b) to reflect any decision of a court, ombudsman or regulator; (c) to reflect a change in our systems or procedures, including for security reasons; (d) as a result of changed circumstances (including adding benefits or new features); (e) to respond proportionately to changes in the cost of providing the loan (including by changing interest rates ); or (f) to make them clearer. 16.1.2 The types of changes we may make include: (a) imposing a new credit fee or charge or changing the amount or frequency of payment of a credit fee or charge; (b) changing the amount of repayments, the way in which repayments are calculated or when they’re due; 16. Things change.  Changes we can make to this contract  When we’ll notify you Changes we can make to this contract

55 (c) changing the way interest is calculated or applied; and/or (d) changing any interest rate (other than fixed rates during a fixed interest period ). If any law regulates a change we decide to make, we can only make the change to the extent permitted by law . 16.1.3 If we make a change that you are not happy with, then you can repay your loan at any time (if you have a fixed rate interest period refer to clause 2.2 for further information on the fees or break costs which may apply). 16.1.4 We will notify you when we make a change described in clauses 16.1.2(a) to 16.1.2(c): (a) that doesn’t reduce your obligations or extend the time for payment by at least 30 days’ advance notice in writing to you (unless the change relates to an amount of a credit fee or charge or introducing a new credit fee or charge, in which case we may notify you in writing or by publishing a notice on our website, which we will confirm before or when we give your next statement of account. When we publish a notice, we will send you a communication that directs you to the notice; and (b) that reduces your obligations or extends the time for payment, in your next statement of account after the change is made. 16.1.5 Where we: (a) increase your liability for losses relating to transactions made using the Interactive Service or your Visa Credit Card and PIN (subject to any liability limits in the ePayments Code ); or When we’ll notify you

56 (b) impose, remove or adjust a daily transaction or other periodic limit applying to an Interactive Service or your use of your Visa Credit Card and PIN ; We’ll give you at least 30 days’ advance notice in writing. However, if we need to make a change immediately in order to restore or maintain the security of the system or individual accounts, we don’t have to give you any advance notice. 16.1.6 Where we change an interest rate or a reference rate and the change doesn’t reduce your obligations, we’ll notify you no later than the day the change takes effect either in writing or by publishing a notice on our website, which we will confirm before or when we give your next statement of account. When we publish a notice, we will send you a communication that directs you to the notice. 16.1.7 Where we terminate or vary the Offset, we’ll notify you at least 30 days in advance in writing. 16.1.8 We may change the Terms and Conditions of this contract in a way other than as set out in clause 16.1.4 to clause 16.1.7 if the change is not adverse to you. In this case we’ll notify you at least 30 days in advance in writing.

57 17.1 If you have more than one loan under this contract (that is, if there’s more than one loan described in the ‘Financial Information’ section of the Loan Offer ): (a) we’ll open a loan account in your name for each loan to which amounts under this contract will be debited and credited as appropriate; (b) each loan account will have its own credit limit or amount of credit (as the case may be) and balance . We’ll send you separate statements of account for each loan account ; (c) each loan will have its own settlement date ; (d) interest charges for each loan will be calculated on the balance of the loan account for that loan using the interest rate applicable to that loan ; (e) the terms of this contract apply separately to each loan ; and (f) you can tell us how you would like us to apply any payment or other credit you make. If you do not tell us, we will apply such payment or credit to any one or more loan account(s) in any order, that we determine. 17. Some housekeeping notes for each loan under this contract. What happens when there is more than one loan under this contract

58 The cheque facility In this section we describe the cheque facility, explain the different parts of a cheque, and advise how to complete a cheque and other related matters. It may seem like a lot of detail, but it’s there for your protection. This clause 18 applies if we make a cheque facility available to you under a line of credit. 18.1 When you can use the cheque facility 18.1.1 If you have a line of credit , you may ask us at any time to make a cheque facility available to you under that line of credit . 18.1.2 After we’ve agreed to make the cheque facility available to you, we’ll mail your cheque book to you as soon as practicable. If any stamp duty is payable for the cheques, we will debit this to your loan account when we send the cheque book. 18.1.3 Your right to use cheques drawn on us and the cheque book is at our discretion. We may at any time suspend or withdraw 18. Just checking you know everything about the cheque facility.  The cheque facility  Authorised signatories  All about cheques

59 those rights and facilities, or refuse to pay any cheque if: (a) we consider it reasonably necessary for security purposes; or (b) you breach any of clauses 1.3, 1.3.1, 3.2.1, 3.3.1, 8.1.1, 11, 12 or 15.4. Except where it is necessary to act immediately for security purposes, we’ll give you notice before doing so. The cheque book and all unused cheques remain our property and, if we ask, must be destroyed or returned to us. 18.2 Authorised Signatories 18.2.1 If you are a company, you may nominate any director of the company to be an authorised signatory for your cheque facility. By nominating the authorised signatory , you authorise that authorised signatory to sign and issue cheques on your loan account in accordance with this contract . This authority does not allow the authorised signatory to amend the authority or to authorise others to operate the loan account. 18.2.2 You must ensure that the authorised signatory complies with any relevant provision of this contract as though the authorised signatory was you. 18.2.3 You are responsible for the authorised signatory’s use of the cheque facility under this contract . In particular you are liable to pay us any amounts paid by us to, or at the direction of, the authorised signatory . You consent to us giving the authorised signatory information about your loan account . Authorised signatories

60 18.2.4 You may ask us to cancel the authority of the authorised signatory by sending us a request in writing. We’ll send you written confirmation of the cancellation of the authority. 18.2.5 You must ensure that any authorised signatory complies with this contract as if that authorised signatory was you. You’ll be liable for any transactions on your loan account in relation to your cheque facility , even if you didn’t authorise the transaction. You’ll be responsible for all transactions by that authorised signatory as though you made them yourself. 18.2.6 You agree to indemnify us against all losses, liabilities and damages incurred by us as a result of us acting in accordance with an authorised signatory’s instructions. You’re not required to indemnify us under this clause in relation to any loss, liability or damage to the extent it rises from negligence, fraud or wilful default by us or our officers, employees, contractors or agents. We don’t have to verify the identity of an authorised signatory, or ascertain whether they’re authorised to transact on your loan account. 18.3 Completing cheques 18.3.1 You may only write cheques on the cheque books we give you. To complete a cheque you must write: (a) the name of the person or company the cheque is made out to; (b) the amount (in words and numbers); (c) the date on which the cheque is written; and All about cheques

61 (d) the signature of authorised signatories . If the cheque isn’t completed correctly we may dishonour the cheque. 18.3.2 When filling out a cheque never write with pencil or erasable ink. Always write the amount of the cheque in words as well as figures (as words are more difficult to alter). To help reduce the risk of cheques being altered in an unauthorised way: (a) don’t leave any gaps between the words or figures; (b) begin the amount in words with a capital letter as close as possible to the words ‘The sum of’ adding the word ‘only’ after that amount and drawing a line from the end of the amount in words to the printed ‘$’; and (c) begin the amount in figures as close as possible to the printed ‘$’. 18.4 Signing a cheque 18.4.1 If you have a line of credit and there’s more than one authorised signatory , you need to tell us the minimum number of persons you want to sign a cheque. If it’s not signed by the required number it’s not valid. 18.4.2 If you have a line of credit and there’s more than one of you, any one of you can sign a cheque. 18.4.3 If you postdate a cheque, we’ll pay the cheque as soon as we receive it (subject to this contract ). We won’t wait until the date of the cheque. 18.5 What’s the effect of crossing a cheque? If you draw two transverse parallel lines from top to bottom on the face of the cheque, you’re crossing the cheque. By doing this, you’re telling the Bank you want that cheque paid into an account with a financial institution and not cashed. 18.6 What does ‘not negotiable’ and ‘account payee only’ mean?

62 18.6.1 The words ‘not negotiable’ between two parallel lines across the face of a cheque mean that the ultimate holder of the cheque who presents it for payment gets no better title to the money than the person who transferred it to them. 18.6.2 The words ‘account payee only’ on a cheque tell the Bank that the cheque should be paid only to the person named as payee in the cheque. 18.7 What is the significance of deleting ‘or bearer’? 18.7.1 The words ‘or bearer’ mean that whoever is holding the cheque can bank it. 18.7.2 If you delete these words, the cheque is an ‘order’ cheque and the bank on which the cheque is drawn should only pay it to the named payee or to any other person to whom the cheque has been endorsed. 18.8 How to cancel or stop payment 18.8.1 You may cancel or stop payment on a cheque (as long as it hasn’t already been cleared) by calling our Contact Centre or writing to us at the address in the Loan Offer . If you write to us you need to give the following information: (a) your loan account number; (b) the cheque number; (c) the cheque amount; (d) who the cheque is payable to; and (e) the reason for stopping the cheque. 18.9 Dishonouring cheques We may at our discretion, dishonour a cheque if: (a) there’s insufficient credit in your loan account to cover the cheque, or (b) the cheque is completed incorrectly, incomplete, stale, has no payee stated or has been materially altered or you haven’t authorised the alteration.

63 18.10 Lost cheques and clearing cheques 18.10.1 You must keep your cheque book and all unused cheques in a safe place at all times. Never leave signed blank cheques in your cheque book. You must let us know immediately if: (a) your cheque book is lost; (b) your cheque book is stolen; or (c) there’s been unauthorised use of your cheque book. 18.10.2 You can contact us by calling our Contact Centre or writing to us at the address in the Loan Offer . If any of these things happen and you don’t tell us immediately, other people may be able to borrow money on your loan account without your permission. 18.11 What happens if you want to clear a cheque 18.11.1 Clearing cheques involves several steps that can take a number of days. Under normal circumstances, you can’t withdraw the value of a deposited cheque until it’s been cleared, even though the proceeds of the cheque may be credited to the account. It’s the same for cheques made payable to ‘cash’. 18.12 Cancelling the cheque facility 18.12.1 We can cancel the cheque facility at any time if: (a) we consider it reasonably necessary for security purposes; or (b) you breach any of clauses 1.3, 1.3.1, 3.2.1, 3.3.1, 8.1.1, 11, 12 or 15.4. If we do, we’ll notify you beforehand or, where it is necessary to cancel the facility immediately for security purposes, as soon as possible afterwards. 18.12.2 If your cheque facility is cancelled, you must immediately destroy or return all unused cheques to us immediately.

64 18.12.3 Any cheque presented afterwards may be dishonoured, unless you make other arrangements with us. You’ll be liable for any dishonoured cheques. 18.13 Liability 18.13.1 Subject to the requirements of any law , we are not responsible or liable for; any transaction processed by us on your behalf, the dishonour or failure to dishonour any cheque drawn by you or any other actions taken or not taken in relation to your cheque facility.

65 To understand the nuts and bolts and the inner workings of our Interactive Service , read on. 19.1.1 You can only use our Interactive Service ( phone banking or online banking ) with your loan account if we give our consent. 19.1.2 To access the Interactive Service you need: (a) your Client Number; and (b) an Access Code. 19.1.3 We’ll give you a Client Number when you first open an account with us. You’ll also need to select a personal Access Code . To select your Access Code and register for phone and online banking , simply contact one of our Customer Care Specialists and they will guide you through the process. 19.1.4 You can change your Access Code at any time subject to correctly quoting the 19. The nitty gritty of our Interactive Service.  Using our Interactive Service  Enhanced security measures  Joint accounts and third parties  Keeping your Codes secret and Visa Credit Card secure  Fees, charges and limits  Accessing the website Using our Interactive Service

66 current Access Code. You can do this using our Interactive Service or by speaking with a Customer Care Specialist. 19.1.5 Be aware that anyone supplying a valid Client Number and Codes will be able to access your loan account and process transactions. We are not required to verify or authenticate the identity of a person supplying a valid Client Number and Codes before giving that person access to the loan account or processing a transaction on the loan account . That’s why it’s important to keep all your Codes secure and confidential. 19.1.6 We can extend or reduce the information and range of services for our Interactive Service at any time without providing notice to you. 19.1.7 Whenever you use online banking , don’t leave the terminal you’re using unattended and always exit from the service as soon as you’ve finished. 19.2.1 When you’re using our Interactive Service and/or contact us to initiate a transaction, there may be times when you need to use our enhanced security measures . These measures are in place for both your protection and ours. 19.2.2 If you don’t use the enhanced security measures when asked, you: (a) may be denied access to our Interactive Service ; and/or (b) may need to conduct certain transactions with one of our Customer Care Specialists. 19.2.3 If you hold or have authority to transact on any other ING product, these enhanced security measures will apply to those products. Enhanced security measures

67 19.2.4 Where we hold an email address for you we may also send an email confirming certain transactions. 19.2.5 If you’re unable to use our enhanced security measures, please call one of our Customer Care Specialists to discuss alternative options. Joint accounts and third parties 19.3 Which joint accounts can use our Interactive Service 19.3.1 If: (a) the loan account is in more than one name; and (b) the account is set up so that any account holder can use the account (each of you can use our Interactive Service independently). Similarly, if one of you instructs us to block access to the accounts via the Interactive Service , we are authorised by all of you to act on those instructions. 19.4 Which joint accounts cannot use our Interactive Service 19.4.1 If: (a) a loan account is in more than one name; and (b) the account is set up so that all account holders must authorise transactions on the account, our Interactive Service is not available to you. If you wish to change the way you operate your loan account so you can access our Interactive Service , simply contact us. 19.5 Third party account access You agree that any authorised user can access information about your loan account .

68 19.6.1 It’s important to take all reasonable precautions to ensure your Codes and Client Number are not misused, and remain secure and confidential. The precautions we require you to take ( Code Security Requirements ) are set out below. 19.6.2 This means that: (a) You must not tell anyone your Codes , including any member of your family, your attorney or any other person, unless we ask you to provide your Code in the following specific circumstances: (i) When you call one of our Customer Care Specialists to perform a transaction, we may ask you to tell us the one-time passcode that we provide by SMS to your registered mobile number. You should provide it to us so that we can process the transaction. Note that we will never call you to perform a transaction and ask for your Codes – if anyone does this, you should hang up and call one of our Customer Care Specialists immediately. (ii) When you speak to one of our Customer Care Specialists, we may need to verify your identity (including where you request to update your personal details) – to do so, we may ask you to tell us the one-time passcode that we provide by SMS to your registered mobile number and you should provide it to us so that we can verify that we are speaking to you. Keeping your Codes secret and Visa Credit Card secure

69 (b) You must not let anyone else, whether acting as your agent or not, access our Interactive Service using your Client Number and Codes . (c) You must not select a Code that consists of repeated, ascending or descending numbers, or numbers that are associated with your birth date, Client Number or an alphabetic code which is a recognisable part of your name. (d) You must not give your Visa Credit Card anyone else or let them use it; (e) You must not keep a record of any Code (without making a reasonable attempt to protect the security of the Code ) on your Visa Credit Card , or in or on anything you usually carry with your Visa Credit Card , as it could be lost or stolen at the same time as the Visa Credit Card ; (f) You must not be careless about protecting the security of your Codes. (g) You must not let anyone else see you entering your PIN or other Codes at an ATM or EFTPOS terminal. 19.6.3 As soon as you realise or suspect anyone else knows any of your Codes (including your Access Code or PIN ), or your Visa Credit Card or device which contains your virtual Visa Credit Card is lost, stolen or used without your permission, or there has been an unauthorised transaction , contact us immediately by calling 133 464 or writing to us at the address on the back page of these Terms and Conditions . We’ll give you reference details to confirm you’ve alerted us to the situation. It’s important that you tell us as soon as you realise or suspect anyone else knows any of your Codes (including your Access Code or PIN ) is lost, stolen or used without permission because if you don’t do so you

70 may be liable for any transactions that occur on your loan account , including all associated fees and charges – liability for transactions will be determined in accordance with clause 21 ‘ Who’s responsible ’. If you realise or suspect anyone else knows your Access Code or PIN , we’ll ask you to select a new Access Code or PIN using our Interactive Service (new PINs require us to send you a new Visa Credit Card ). If you don’t select a new Access Code or PIN when asked, a stop will be placed on the relevant service until you do so. 19.6.4 If we know or suspect that anyone else knows any of your Codes, we may place a stop on the relevant service. In that event, you can contact us for a new Access Code or PIN and have the stop removed. 19.6.5 You must: (a) sign your Visa Credit Card as soon as you receive it; and (b) regularly check to make sure you still have your Visa Credit Card. 19.6.6 Your PIN will be automatically de-activated after three unsuccessful attempts to enter your PIN . If this happens, we can re- activate your PIN or send you a reminder of your PIN , as long as the Visa Credit Card is in your possession. 19.6.8 We can cancel any access method at any time without notice if we believe it is being used in a way that can cause loss to you or us. Warning: Account Aggregation Services Some companies provide account aggregation services that allow you to view account information from different institutions on the one web

71 page. To use account aggregation services , you’re usually required to give the service provider your account details and your access method . We don’t endorse, promote or authorise the use of account aggregation services in connection with your loan account or our Interactive Service . Please remember, if you disclose your Access Code to another person, you’ll be liable for any transactions on your loan account(s) they make using that access method . 19.7 Your instructions 19.7.1 When using the Interactive Service your instructions will be carried out if: (a) they’re permitted by this contract ; and (b) they comply with the directions we give you on how to use the Interactive Service. We can give you these directions orally or in writing for phone banking or online banking . 19.7.2 We have the authority to act on your instructions in relation to any transaction. If it’s not possible to carry out the instructions, the transaction may not be processed, we may defer processing the transaction or we may seek further information from you before carrying out those instructions. When you give us instructions using the Interactive Service , those instructions cannot be altered or stopped. You’re responsible for ensuring that you provide us with the correct instructions. 19.8 Transaction receipts When using the Interactive Service , we’ll provide you with an electronic receipt (for online banking transactions), or receipt information by voice communication (for

72 phone banking transactions). Save your receipt details for your records and check them against the relevant statement. If you believe there is an error, or if you have any other concerns, let us know straight away (see clause 25 “What to do if you have a concern” ). 19.9 Availability of our Interactive Service and accuracy of information 19.9.1 We’ll try to ensure our Interactive Service is available to you as follows, for: (a) phone banking , 24 hours a day, 7 days a week; and (b) online banking , 24 hours a day, 7 days a week. Customer Care Specialists may only be available to discuss your home loan during certain hours. To find out their hours please visit ing.com.au. 19.9.2 We may temporarily withdraw or deny access to the Interactive Service without prior notice to you for repairs, maintenance or reasons of security. Your access to the Interactive Service will be automatically denied after three unsuccessful attempts to enter your Client Number and Access Code . If this happens, you must contact us to get access to the Interactive Service . 19.9.3 If there’s an error, inaccuracy or omission in relation to the Interactive Service and you advise us in writing, we’ll try to correct the error, inaccuracy or omission. We’ll contact you to let you know when the problem is fixed. 19.9.4 If you instruct us to transfer money from your loan account , the transfer will generally take place: (a) the business day after you give us the instructions (if the instructions are given before our cut-off time on a business day );

73 (b) two business day s after you give us the instructions (if the instructions are given after our cut-off time on a business day ). 19.10.1 Fees and charges Fees and charges may apply to the loan accounts which you access through an Interactive Service . These fees and charges are stated in the Loan Offer. 19.10.2 Withdrawal limits The maximum amount you can instruct us to transfer from your loan account to other accounts per day using the Interactive Service is: • $5,000; or • $2,000 for any loan account opened before 28 January 2016. You can select a different limit of $500, $1,000, $2,000, $5,000, $10,000, $15,000 or $20,000 per day, per loan account . You can also set a temporary one-day limit of up to the available balance of your loan account . You can make these selections through mobile banking or online banking. 19.10.3 When you use the website , we grant you a limited licence to display on your computer, print, download and use the underlying HTML, text, hyperlinks, information, content and transaction facilities made available on this site for your personal use and records only. You are not permitted to modify, alter, transfer, interfere with the working of, reverse engineer, remove, create, distribute, or pass onto or link to or from another website . Fees, charges and limits

74 19.11.1 Copyright in the website is owned by us and all rights are reserved. Except as provided in the limited licence and any use permitted by the Copyright Act 1968 (Cth), no part of the material may be reproduced or provided to the public, in any form or by any means, without our written permission. 19.11.2 The ING Bank or ING trade marks and devices are trade marks owned by ING Group N.V. except as provided in the limited licence, no permission is given for the reproduction or publication of any trade marks on the website by any person . 19.11.3 For the purpose of any email communications which are sent to us via the website , an email communication is not taken to be received by us until the email message enters our electronic mail box and is able to be opened in a readable form by us. 19.12 Termination of use 19.12.1 You can terminate using our Interactive Service at any time by letting us know in writing. 19.12.2 We can terminate your access to any Interactive Service at any time if: (a) we suspect fraudulent use of the Interactive Service; (b) termination is, in our view, necessary for compliance with anti-money laundering obligations; or (c) you fail to comply with clause 19 in a material way that impacts our legitimate business interests. 19.12.3 We may without notice, cancel or suspend access to the use of an Interactive Service maintained and Accessing the website

75 operated by us if you are travelling to or residing in a sanctioned jurisdiction. A list of sanctioned jurisdictions may be found on our website . 19.13 Recorded transactions For accuracy, security and quality monitoring purposes, we can, at our discretion, record phone banking transactions and make electronic copies or monitor any online banking transactions. If we monitor transactions for security reasons we’ll let you know before the transaction starts.

76 This section gives you the whole kit and caboodle about using the Visa Credit Card facility. The provisions of this clause 20 only apply to a loan described in the Loan Offer as a line of credit that also includes a nil Interest Visa account. 20.1 Visa Credit Card 20.1.1 As part of your loan , you have access to a Visa Credit Card . 20.1.2 The Visa Credit Card entitles you to access the nil interest Visa account and cannot be linked to any other account. 20.1.3 We’ll send your Visa Credit Card to you by post as soon as practicable after the settlement date . You have to sign your card as soon as you receive it and phone us on 133 464 to activate it. Your Visa Credit Card remains our property. 20.1.4 We’ll forward a PIN to you separately and each card has its own PIN . 20. The whole kit and caboodle of the Visa Credit Card.  The card  How you can use your card  Transactions outside of Australia  Expiry date and replacement cards  Cancelling your Visa Credit Card  De-activating your Visa Credit Card or PIN The card

77 20.2 What you can do with your card 20.2.1 The table on the next page sets out the different ways in which you can use your Visa Credit Card and the loan account to which the purchase will be initially debited. How you can use your Visa Credit Card To debit to line of credit account To debit to nil interest Visa account At a merchant who displays the Visa symbol - to buy goods or services (various - see below) Either: • use the credit button on the card machine and enter a PIN or sign; or • wave your Visa Credit Card at the card machine’s contactless reader for purchases within Australia under AU$100 (other limits may apply outside of Australia) Via EFTPOS

to buy goo ds or services Use the cheque button on the card machine and enter PIN Use the savings or credit button on the card machine and enter PIN How you can use your card

78 Via EFTPOS

to get cash Use the cheque button on the card machine and enter PIN Use the savings button on the card machine and enter PIN At an ATM
to get cash Use the cheque button and enter PIN Use the savings or credit button and enter PIN Over the counter at any financial institution displaying the Visa logo - to get cash Without the PIN and with photo identification 20.2.2 When a merchant displays the ‘ Visa ’, ‘ EFTPOS ’ or ‘ Visa contactless ’ symbol, they’re not promising all their goods and services may be purchased with the Visa Credit Card . 20.2.3 We’re not responsible if the merchant refuses to accept or honour a Visa Credit Card . 20.2.4 The price merchants charge for goods or services purchased with the Visa Credit Card may be different from the price the merchant charges for the same goods or services purchased with cash. 20.2.5 We do not accept any responsibility for the goods or services purchased with the Visa Credit Card , unless required to do so by law . If you have a complaint about the goods or services, you must resolve this directly with the merchant. Any refund a merchant gives you is a matter between you and the

79 merchant only. We’re not responsible for any refund, unless the law says we are. If any merchant agrees to give you a refund, we’ll credit your loan account once we’ve received confirmation of the refund from the merchant. 20.2.6 Subject to this clause 20, you can use your Visa Credit Card to get a cash advance from your nil interest Visa account in the following ways: (a) at a branch counter of any financial institution displaying the ‘Visa’ symbol; or (b) through most EFTPOS outlets. (c) from any ATM with the Visa symbol, as shown on your Visa Credit Card . 20.2.7 Some ATMs may not have money available for withdrawals and some merchants, financial institutions and/or ATMs may not accept Visa Credit Card . If the ATM doesn’t return your Visa Credit Card , contact us immediately, not the financial institution that owns the ATM . 20.3 Withdrawal limits 20.3.1 The maximum you can withdraw per day using your Visa Credit Card is $1,000, including cash withdrawals. 20.3.2 The minimum or maximum amount of cash you can withdraw will depend on the financial institution or merchant. You may be required to produce additional identification. 20.3.3 Depending on how you use your Visa Credit Card , we’ll debit the amount of any purchase or cash withdrawal made using your Visa Credit Card to either your account or your loan account . See the table at clause 20.2.1 for details. 20.4 Warning 20.4.1 Your Visa Credit Card must not be used for any unlawful purpose, including buying goods or services prohibited by Australian law . We may refuse to authorise a

80 transaction using your Visa Credit Card if it’s been reported lost or stolen, or we have any other good reason to do so. 20.4.2 You may not make a deposit into your loan account at an ATM. 20.5 ATM fees and rebates 20.5.1 You may be charged fees by third party ATM operators when you use your Visa Credit Card at an ATM . 20.5.2 We may rebate some or all these third party ATM operator fees. For details, please refer to the Post-Settlement Fees and Charges booklet on our website . 20.5.3 We may modify, introduce a cap or discontinue ATM fee rebates at any time. 20.6 Regular Payments 20.6.1 You should maintain a record of any Regular Payment you enter into with a merchant. If you ask us to, we will give you a list of Regular Payments for up to the previous 13 months. The list will include only those Regular Payments that are known to us from the information we receive about your transactions. 20.6.2 To change or cancel any Regular Payment you should contact the merchant at least 15 days prior to the next scheduled payment. Until you cancel the Regular Payment we must accept the merchant’s transaction. If possible you should retain a copy of the change/cancellation request. Should the merchant fail to act in accordance with these instructions you should contact the merchant first. 20.6.3 You can ask us to dispute a transaction under a Regular Payment on your behalf. If you ask us to dispute the transaction under a Regular Payment , and the dispute is within the time limits set by Visa, we: (a) will claim the relevant amount back if it has been incorrectly charged and you have not contributed to the loss; or

81 (b) may accept the merchant’s refusal to give a chargeback if the refusal accords with the Visa rules. 20.6.4 If your Visa Credit Card has the Visa contactless symbol on the front of the card, it can be used to authorise purchases at merchants displaying the contactless symbol, simply by waving the card at the merchant’s point of sale reader. 20.6.5 Before authorising transactions using Visa contactless , you must check that the transaction amount on the merchant’s reader or cash register is correct. 20.6.6 There is no need for a Visa contactless transaction in Australia to be authorised by a PIN or signature, provided that the amount of the transaction is less than AU$100 (other limits may apply outside of Australia). 20.6.7 Note that you cannot use Visa contactless to withdraw cash. Transactions outside of Australia 20.7.1 When using your Visa Credit Card overseas, foreign currency amounts will be converted into Australian dollars as at the date they are processed by Visa International. The conversion rate is determined by Visa International. 20.7.2 You can use your Visa Credit Card at any ATM overseas carrying the Visa logo using the credit button.

82 20.8.1 Your Visa Credit Card is only valid during the period stated on the card and must not be used after this date. We may automatically issue you with a new Visa Credit Card before the expiry date without notifying you first. 20.8.2 We may issue a replacement Visa Credit Card to you at any time. If you wish to order a replacement card, call our Contact Centre on 133 464. There may be a fee for this. 20.8.3 If your card number has changed you should request the merchant to change the details of your existing Regular Payment to ensure arrangements continue. If you do not do this your Regular Payment may not be honoured by us and the merchant may stop providing the goods and/or services. 20.9.1 You can cancel your Visa Credit Card at any time by letting us know in writing. We may cancel your Visa Credit Card at any time in circumstances where: (a) you have paid the balance of the line of credit linked to your Visa Credit Card , plus any amounts still owing but not yet debited to that line of credit . (b) we suspect fraudulent use of your Visa Credit Card ; (c) termination is, in our view, necessary for compliance with anti-money laundering obligations and/or sanctions obligations ; or (d) you fail to comply with clause 20 in a material way that impacts our legitimate business interests . Expiry date and replacement cards Cancelling your Visa Credit Card

83 Even if: (e) you’re not in default; or (f) we haven’t cancelled your line of credit. 20.9.2 If you or we cancel your Visa Credit Card : (a) you must cut your Visa Credit Card (s) in half and let us know you’ve done so; (b) you must cancel any payment, using your Visa Credit Card , scheduled to be made after the Visa Credit Card is cancelled; (c) we may not honour any transactions that happen after the Visa Credit Card is cancelled. 20.9.3 You’ll still be liable for any Visa Credit Card transactions processed before and after your Visa Credit Card is cancelled. 20.9.4 If we cancel your Visa Credit Card we will tell you. We may tell you our reasons for doing so, but aren’t required to do so. 20.9.5 If we cancel a Visa Credit Card which is in credit, we will: (a) if appropriate, give you reasonable notice of the closure; (b) pay you the amount of the credit balance and charge you a reasonable estimate of the costs of closing your account.

84 20.10.1 If you breach clauses 1.3, 1.3.1, 2.3.2, 3.2.1, 3.2.2, 3.3.1, 8.1.1, 11, 12, 15.4 or 20 of these Terms and Conditions we may de- activate your Visa Credit Card . Once your Visa Credit Card is de-activated you may not use your card to make purchases or get cash advances. 20.10.2 If you remedy the default we may reactivate your Visa Credit Card . This does not limit our right to cancel the Visa facility at any time. 20.10.3 Your PIN will be automatically de-activated after three unsuccessful attempts to enter your PIN . If this happens, you can ask us to re-set or re-activate your PIN . For us to do this, you’ll need to have the Visa Credit Card in your possession. De-activating your Visa Credit Card or PIN

85 21.1.1 If things don’t go according to plan it’s good to be prepared for what happens next. By the time you’ve read this section, at least you’ll know what happens if someone accesses your loan account without your knowledge or consent. What is an unauthorised transaction? 21. Who’s responsible? Unauthorised transactions are transactions that are performed without your consent and knowledge. An unauthorised transaction does not include: • a transaction you perform; and • a transaction anyone else performs with your knowledge and consent (for example,  Some important things  When you’re not liable  When you’ll have limited liability  When you’ll be liable  Liability for unreasonably delaying notification  Liability caused by equipment malfunctions  Liability when using a Visa Credit Card without a PIN  Liability for BPAY® payments  Mistaken Internet payments  Misdirected payments Some important things

86 21.2.1 Please be very careful when you’re handling cash at an ATM , Bank@Post, merchant or any financial institution. Once cash is in your possession, it’s at your risk and your responsibility. 21.2.2 Your liability for losses resulting from unauthorised transactions carried out using an access method is determined under the ePayments Code and not under clause 19.5. 21.2.3 The following clauses 21.2 to 21.14 apply to all transactions carried out under this contract using an access method. 21.3 You’re not liable for losses you incur or suffer that: (a) relate to any of your original or reissued Codes , identifiers or Visa Credit Cards that are forged, faulty, expired or cancelled; (b) arise from transactions made through our Interactive Service or with your Visa Credit Card that require your Codes , before you’ve received your Codes or Visa Credit Card (including a reissued Code or Visa Credit Card ); (c) are caused by the fraudulent or negligent conduct of our employees, agents, those of companies involved in networking arrangements with us, or merchants if you give another person a Code that authorises a transaction). If you think that you have been the subject of a scam then you should contact us immediately. We will help you as much as we can but it is important to remember that transactions authorised by you, or performed with your knowledge and consent, remain your liability. When you’re not liable

87 linked to the electronic funds transfer system or their employees or agents; (d) result from the same transaction being incorrectly debited more than once to the same loan account by us; (e) result from an unauthorised transaction that occurs after you’ve notified us that the security of your Codes has been breached or your Visa Credit Card has been lost, stolen or used without your permission; (f) result from an unauthorised transaction if it’s clear you haven’t contributed to the losses; or (g) result from an unauthorised transaction that can be made using an identifier without a Visa Credit Card or Code . 21.4 If it’s not clear whether you’ve contributed to the loss caused by an unauthorised transaction that required one or more Codes , the amount of your liability will be limited to the least of: (a) $150; (b) the actual loss at the time we’re notified that the security of your Codes was breached or your Visa Credit Card has been lost, stolen or used without your permission (limited by the applicable daily or period transaction limits over the relevant timeframe); and (c) the credit limit of the loan account from which value was transferred in the unauthorised transaction. When you’ll have limited liability

88 21.5.1 If we can prove on the balance of probability that you contributed to the loss caused by the unauthorised transaction: (a) through your fraud; (b) by failing to comply with the Code Security Requirements ; (c) where more than one Code is required to a perform a transaction and we prove: (i) that the security of a Code for one or more Codes has been breached, but not all of the required Codes; and (ii) we can prove on the balance of probability that a breach of security of a Code was more than 50% responsible for the losses when assessed together with all the contributing causes, then you are liable for the actual losses which occur before we are notified of the loss, theft or misuse of your Code or Visa Credit Card or a breach of the Code Security Requirements . You are liable in full for the actual losses that occur before the loss, theft or misuse of a device or breach of the Code Security Requirements is reported to us. However, you will not be liable for any loss on any day, or in any period, exceeding any applicable daily transaction limit for that day or period and you will not be liable for loss in excess of the credit limit of the loan account . 21.5.2 If you leave your Visa Credit Card in an ATM , you will be liable for all losses arising from unauthorised transactions as long as the ATM incorporates reasonable safety standards that lessen the risk of your Visa Credit Card being left in the ATM (e.g. ATMs that capture cards that aren’t removed or which require a user to swipe and then remove a card before commencing the transaction). When you’ll be liable

89 21.6 If we can prove on the balance of probability that you’ve contributed to a loss caused by an unauthorised transaction by unreasonably delaying notification that the security of your Codes or Visa Credit Card has been compromised after you become aware of the loss, theft or breach, you will be liable to us for the actual losses incurred between: (a) the time you first became aware (or should reasonably have become aware) of any of these events; and (b) the time we are actually notified of the relevant event, however, you will not be liable for any loss on any day, or in any period which exceeds any applicable daily transaction limit, for that day or period, and you will not be liable for loss in excess of the credit limit of the loan account . 21.7.1 You are not liable for any loss caused by an EFT institution’s equipment accepting your transaction but failing to complete the transaction in accordance with your instructions. However, if you were aware, or should have been aware, that the EFT institution’s equipment was unavailable or malfunctioning, our responsibility will be limited to: (a) correcting errors in the loan account ; and (b) refunding any charges or fees imposed as a result. 21.7.2 We’re not responsible for: (a) errors, inaccuracies, interruptions, Liability for unreasonably delaying notification Liability caused by equipment malfunctions

90 viruses or defects due to any system or equipment failing to complete a transaction; (b) delays resulting from any network, system or equipment failing to support the Interactive Service or Visa Credit Card ; or (c) any Interactive Service or Visa Credit Card system or equipment failing to complete your transaction instructions. 21.7.3 If we’re responsible, our liability is limited to the cost of re-supplying the service. 21.8.1 For Visa Credit Card transactions that don’t need a PIN , you’re not liable for any unauthorised transactions unless you have unreasonably delayed notifying us of the loss, theft or unauthorised use of your Visa Credit Card . 21.8.2 Otherwise, we may hold you liable for all such transactions up to the time you notify us of the loss, theft or unauthorised use of your Visa Credit Card. Liability when using a Visa Credit Card without a PIN Liability for BPAY ® payments 21.9.1 If a BPAY® payment is unauthorised or is made from your loan account otherwise than in accordance with your instructions, we’ll credit your account for the amount of the payment. However, if you told us to pay the wrong person, or we determine that an unauthorised payment has resulted from a failure to comply with the Code Security Requirements , and we can’t recover the amount of the payment from them within 20 business days, we will debit your loan account for that amount.

91 21.10 So that we can determine whether a mistaken internet payment has occurred, we will ask you to provide supporting 21.9.2 If a BPAY ® payment is fraudulently induced by someone involved in the BPAY ® Scheme, then that person should refund you that payment. 21.9.3 If that person doesn’t refund the payment you have to bear the loss. That is unless some other person in the BPAY ® Scheme: (a) knew of the fraud; or (b) would have detected it with reasonable diligence. In this case that person must refund you the payment. 21.9.4 No charge back rights are available in respect of a BPAY ® payment from your loan account . 21.9.5 We’re not liable for any indirect loss or damage you may suffer as a result of using the BPAY ® Scheme, unless we: (a) acted negligently; or (b) breached any condition or warranty in regard to the supply of goods and services, which can’t be excluded or limited under law . In this case that person must refund you the payment. 21.9.6 You indemnify us against any loss or damage we may suffer due to any action of any kind brought against us because you: (a) didn’t observe any of your obligations; or (b) acted negligently or fraudulently in regards to this contract . BPAY ® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518. Mistaken Internet payments

92 information and evidence (such as details of the correct identifier showing that it is very similar to the incorrect identifier). If you think you may have made a mistaken internet payment , you should tell us straight away, please call our Australia- based Customer Care Specialists straight away on 133 464. 21.11 When you have made a mistaken internet payment 21.11.1 If you report to us that a withdrawal to one or more Other Bank Accounts made by you was a mistaken internet payment , here’s what will happen depending upon when you report the payment to us: (a) Report within 10 business days of making the payment: if there are sufficient funds available in the account of the unintended recipient and both we and the other financial institution (which holds the account to which the reported mistaken payment was made) are satisfied that a mistaken internet payment occurred, then the other financial institution must return the funds to us within 5 to 10 business days of receiving our request. We will then return the funds to your account as soon as practicable. (b) Report between 10 business days and 7 months of making the payment: if there are sufficient funds available in the account of the unintended recipient and we are satisfied that a mistaken internet payment occurred, we’ll ask the other financial institution to investigate (which must be completed within 10 business days of receiving our request). If, after the investigation is completed, the other

93 financial institution is satisfied that a mistaken payment occurred, it must prevent the unintended recipient from withdrawing the funds mistakenly paid for a further 10 business days. The other financial institution must notify the unintended recipient that the funds will be withdrawn from their account unless they can establish that they’re entitled to the funds within this 10 business day period If the unintended recipient doesn’t establish that they’re entitled to the funds within this timeframe, the other financial institution must return the funds to us within a further 2 business days. We will then return the funds to your account as soon as practicable. (c) Report after 7 months of making the payment: if there are sufficient funds available in the account of the unintended recipient and both we and the other financial institution are satisfied that a mistaken internet payment was made, the other financial institution must seek the consent of the unintended recipient to return the funds mistakenly paid. If the unintended recipient consents, the other financial institution must return the funds to us. We will then return the funds to your account as soon as practicable. (d) Report at any time but other financial institution not satisfied that a mistaken internet payment was made: if we are satisfied that a mistaken internet payment occurred, the other financial institution may seek the consent of the unintended recipient to return the funds. If the unintended recipient consents, the other financial institution must return

94 the funds to us. We will then return the funds to your account as soon as practicable. (e) Report at any time but insufficient funds: if there aren’t sufficient funds available in the account of the unintended recipient to the full value of the mistaken payment—yet both we and the other financial institution are satisfied that a mistaken internet payment was made—the other financial institution must exercise discretion, based on an appropriate weighing of interests of both you and the unintended recipient and information reasonably available to it about the circumstances of the mistake and the unintended recipient, in deciding whether it should: (i) pursue the return of funds to the total value of the mistaken internet payment ; (ii) pursue the return of funds representing only a partial amount of the total value of the mistaken internet payment ; or (iii) not pursue any return of funds (whether partial or total). (f) Report at any time but we aren’t satisfied that a mistaken internet payment occurred: we are not required to take any further action, but may ask the other financial institution to investigate. You are liable for any loss arising from the payment. In all instances, we will advise you of the outcome of a reported mistaken internet payment in writing within 30 business days of the day on which the report was made. 21.12 When someone else has mistakenly paid into your account

95 21.12.1 If someone else has done a mistaken internet payment that results in funds being paid into your loan account , then you acknowledge and agree that you are not entitled to those funds regardless of how long the funds have been in your account. (a) Reported by the other person within 10 business days of making the payment: If you have sufficient funds in your loan account , we may, without notice, debit funds up to the total amount of the mistaken internet payment from your loan account and return it to the other financial institution. (b) Reported by the other person between 10 business days and 7 months of making the payment: If you have sufficient funds in your loan account , we may, without prior notice, place a hold on the funds in your account up to the total amount of the mistaken internet payment . Once we notify you of the mistaken internet payment , you will have 10 business days to provide evidence that you are entitled to the funds. If, at the end of 10 business days , we are not satisfied that you are entitled to the funds, then we will debit funds up to the total amount of the mistaken internet payment from your loan account and return it to the other financial institution. (c) Reported by the other person after 7 months of making the payment: If you have sufficient funds in your loan account , we will contact you to discuss the return of funds. If you provide consent to return the funds then we will debit the funds up to the total amount of the mistaken internet payment and return to the other financial institution.

96 (d) Reported by the other person at any time but we aren’t satisfied that a mistaken internet payment occurred: If we receive a written request from another financial institution for the return of funds deposited into your loan account on the basis that the funds were deposited as a result of a mistaken internet payment , but based on our own investigations we are not reasonably satisfied that the funds deposited into your loan account were deposited as a result of a mistaken internet payment , then we may contact you to discuss the return of funds. If you provide consent to return the funds then we will debit the funds up to the total amount of the payment and return to the other financial institution. (e) Reported by the other person at any time but the loan account does not hold sufficient funds: To the extent that the balance of your loan account is less than the value of the funds deposited as a result of the mistaken internet payment , we will exercise our discretion consistently with the ePayments Code , in deciding whether we should: (i) pursue the return of funds to the total value of the mistaken internet payment ; (ii) pursue the return of funds representing only a partial amount of the total value of the mistaken internet payment ; or (iii) not pursue any return of funds (whether partial or total). If we decide to return the funds to the total value of the mistaken internet payment , we will use reasonable

97 endeavours to retrieve the funds from you (which may include arranging for the repayment of the funds by instalments). 21.13 Tell us if you’re experiencing any financial difficulty 21.13.1 You should inform us as soon as possible if you are in financial difficulty. 21.14 When you may be liable for a mistaken internet payment 21.14.1 If, in our view, you’re liable under the ePayments Code for at least part of the amount of the transaction that is subject to dispute, we’ll: (a) make available to you copies of any documents or other evidence relevant to the result of the investigation; and (b) let you know in writing whether our investigations revealed any systems or equipment malfunction. 21.15.1 You acknowledge and agree that we may, without notice, debit funds from your loan account , if: (a) we receive a written request from another financial institution for the return of funds deposited into your loan account on the basis that the funds were deposited as a result of a misdirected payment ; and (b) based on our own investigations we are reasonably satisfied that the funds deposited into your loan account were deposited as a result of a misdirected payment . To resolve the misdirected payment , we will debit funds up to the total amount of the misdirected payment from your loan account and return it to Misdirected payments

98 the requesting financial institution. If the balance of your loan account is less than the value of the funds deposited as a result of the misdirected payment , the remaining credit balance of your loan account will be debited and paid to the requesting financial institution.

99 Here’s everything you need to know about the BPAY ® Scheme. This clause 22 will apply to you if you ask us to make a payment through the BPAY ® Scheme. We’re a member of the BPAY ® Scheme, an electronic payments scheme where you may instruct us to make payments on your behalf to a biller . We’ll let you know if we’re no longer a member of the BPAY ® Scheme. 22.1 How to use the BPAY ® Scheme 22.1.1 You can make a BPAY® payment by accessing our Interactive Service ( phone banking or online banking ). The payment can be made by withdrawing cleared funds from any loan account for a type of loan that we indicate on our website has BPAY® available. We’ll treat an instruction to make a BPAY® payment as authorised by you when you give us your Access Code . 22.1.2 To make a BPAY® payment you need to give us the number of your loan account from which you want us to deduct the BPAY® payment, the amount of the payment, the biller code and customer reference number, and the date you want the payment made. We don’t have to 22. All about BPAY®  How to use BPAY ®  Payments  Processing times How to use BPAY ®

100 process a BPAY® payment if you don’t give us all of this information, or if any of the information you give us is wrong. We’ll debit your loan account with the amount of the BPAY® payment. In order for us to make the BPAY® payment you need to make sure the information you provide is correct and there are sufficient funds in your loan account for any BPAY® payments. We are not acting as your agent or the agent of the biller when we make a BPAY® payment on your behalf. 22.1.3 Currently, we don’t allow you to use a credit card to pay bills through the BPAY® Scheme. If we ever do, we’ll treat that payment as a credit card purchase transaction. 22.1.4 We may suspend your right to participate in the BPAY® Scheme at any time if we suspect that you are acting in a fraudulent manner. Payments 22.2.1 We may impose limits on the amount of BPAY® payments. If we do, we’ll notify you either by advertisement in the newspaper or in writing no later than the day the change takes effect. We can also decide the order in which payments will be processed. Billers may also set limits for BPAY® payments, and these may vary depending on the type of account the payment is coming from. 22.2.2 Once you’ve instructed us to make a BPAY® payment, we cannot stop the payment except for future-dated payments, which can be cancelled before the payment due date. You can cancel a future dated BPAY® payment by notifying us in writing or by visiting our website.

101 22.3.1 Billers who participate in the BPAY® Scheme agree that generally they’ll treat a BPAY® payment as received: (a) on the day you make the BPAY® payment, if you tell us to make that payment before the cut-off time on a business day (for cut-off times, please refer to the FAQ section on our website); or (b) on the next business day , if you tell us to make that payment either after the cut-off time on a business day or on a day that is not a business day . 22.3.2 There may be additional processing time of one day or more when there’s a public or bank holiday the day after you tell us to make a BPAY® payment, you tell us to make a BPAY® payment either after the cut-off time on a business day or on a non-business day, or the biller or another financial institution involved in the BPAY® payment doesn’t meet their obligations under the BPAY® Scheme. It pays to check 22.3.3 You need to make sure you tell us the correct amount you wish to pay. If you instruct us to make a payment to a biller and discover that: (a) the amount you told us to pay is greater than the amount you needed to pay, contact the biller for a refund; or (b) the amount is less than the amount you needed to pay, you should pay the difference (using the BPAY® Scheme or another method). 22.3.4 Make sure you check your loan account records carefully and contact us immediately if you become aware: Processing times

102 (a) you’ve made a mistake when instructing us to make a BPAY® payment, or there are any delays or mistakes in processing your BPAY® payment; (b) you didn’t authorise a BPAY® payment from your loan account ; or (c) you think you’ve been fraudulently induced to make a BPAY® payment. 22.3.5 The longer the delay between the date of the BPAY® payment and when you inform us of the error, the more difficult it may be to correct the error. You may need to liaise directly with the biller to correct the error if, for example, because of the delay, we no longer have sufficient information to investigate it. 22.3.6 For us to investigate an unauthorised BPAY® payment from your loan account , you may need to give us your written consent, addressed to the biller who received that BPAY® payment, authorising us to obtain information about your account with that biller , or the BPAY® payment and including any other information we require to investigate the payment. If you do not give us the consent, the biller may not be permitted under law to disclose to us the information we need to investigate or rectify that BPAY® payment. 22.3.7 A mistaken or incorrect BPAY® payment does not constitute under any circumstances part or whole satisfaction of any underlying debt owed between you and that biller . If a payment cannot be processed 22.3.8 If we’re notified that a biller cannot process your BPAY® payment, we’ll let you know, credit your loan account with the amount of the BPAY® payment and if you wish, help you make a BPAY® payment to that biller as soon as possible.

103 At ING, we are committed to ensuring the confidentiality and security of your personal information. We collect and handle your personal information in accordance with our legal obligations, including those under the Privacy Act 1988 (Cth). By applying for a home loan with ING, you consent to our collection, handling, use and disclosure of your personal information as described in this Privacy Statement. This Privacy Statement provides information about our collection of your personal information. ING’s Privacy Policy should be read in conjunction with this Privacy Statement. It contains further details about our information collection and handling practices including information about: (a) other ways we may collect, use or exchange your information; (b) how you may exercise your rights to access and seek correction of your information; (c) how to make a complaint about a breach of your privacy rights or about the way we handle your information; and (d) our complaint handling procedures. You can review the ING Privacy Policy on our website at ing.com.au/privacy or request a copy by either calling or writing to us. Call: 133 464 Write to: IBAL Privacy Officer GPO Box 4094 Sydney NSW 2001 23. Do not disturb. Privacy statement

104 Collection of your personal information We collect and handle your personal information, and the personal information of other individuals associated with your application where applicable (such as co-borrowers, guarantors, brokers), including name, contact details, identification information, credit related information, employment details and financial information. Sensitive personal information is personal information relating to your health, ethnicity, religious or political beliefs, genetic or biometric data. We may collect your sensitive personal information if we have your explicit consent or when we are required to do so by applicable local laws and regulations such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML laws). We’ll also need to collect personal information necessary to comply with Australian and global legal or regulatory requirements that have extraterritorial application to ING or the ING Group, including to identify customers under the AML laws, determine and report in respect of your Foreign Tax Residency Status. Use and disclosure We use your information to determine your eligibility for a mortgage product, service your financial needs and improve our technologies to provide services to you. We may use your biometric information such as face and fingerprints for authentication and/or verification or for access to mobile apps. Before collecting your information, we will provide you with specific information about the process and request your prior consent before processing your biometric information. We may use our systems to make automated decisions based on your personal information that we collect from you or other sources such as credit reporting bodies. For example, our systems may evaluate and analyse your information to

105 make decisions about your eligibility for a home loan. We create a profile of you when you apply for a loan or credit in order to assess if you can meet your financial obligations towards us and to ensure that we do not offer loans that are not suitable for you. We assess the risk connected to a contract with you via a method called credit- scoring. Your credit score is calculated based on automated decision-making. You have to achieve a pre-defined minimum-score to ensure an acceptable risk for us. You can ask us not to make decisions based on automated scores alone or object to an automated decision and request that a human review the automated decision. We may share your information with associated third parties such as other financial institutions, brokers, insurers, credit reporting bodies, legal services, and business and IT service partners and providers that help us to supply home loan products and services to you and in accordance with our legal and regulatory obligations, including those under the Privacy Act 1988 (Cth). We may disclose your biometric data such as face or fingerprints for authentication and/ or verification purposes such as ID document verification or identity authentication If you apply for credit with us or offer to act as guarantor for any of our customers, we will collect and share your personal information and your credit-related information with Credit Reporting Bodies (CRB), and/or we will collect your credit-related information from CRBs (Information Request). This is done for the purpose of determining your eligibility for credit (or your suitability to act as guarantor), and we may assess or rate your suitability for credit (or to act as a guarantor). Please note: (a) Your consent is not required for an Information Request.

106 (b) A record of Information Requests may be used by, and as relevant, disclosed to CRBs or credit providers for the purpose of assessing your creditworthiness, including calculation of a credit score or credit rating, subject to any limitations on use or disclosure under applicable laws, regulations, or the Privacy (Credit Reporting) Code. (c) Generally, when a credit reporting body records an Information Request related to your application for credit, this may impact your credit score or rating, which might go up, down, or stay the same. This depends on factors such as the type of credit you’re applying for, how many other Information Requests you’ve had recently, and other details in your report. An Information Request is more likely to lower your credit score if you make a lot of credit applications within a short period. If you apply for commercial credit or are a guarantor in relation to an application or credit, we can only do an Information Request with your consent. Marketing We, or other ING Group entities, may provide you with further information about ING branded products and services, and other product and services issued by ING Group entities or third parties (“promotional information”), unless you tell us not to. If you have provided an email address to us, we may contact you using that email address, including to provide you with promotional information. You may elect not to receive further promotional information by contacting us online, calling or writing to us.

107 24.1 If you or any guarantor is at any time a trustee of a trust, which is the borrower under this loan , you must let us know before we lend you any of the loan . Where you or any guarantor is at any time the trustee of any trust whether disclosed to us or not, you represent and warrant that: (a) the trustee of the trust is liable under your contract and any security to which it is a party in its personal capacity and as trustee of the trust; (b) the trustee has free and full power to enter into your contract and any security to which it is a party in its capacity as trustee of the trust; (c) it is to the commercial benefit of the trust that the trustee enters into your contract and any security to which it is a party in its capacity as trustee of the trust; and (d) the trustee has the right to be indemnified fully out of the trust property for all liabilities that you incur under this agreement. 24.2 You must get our consent (which will not be unreasonably withheld) to: (a) a change of trustee; or (b) terminate the trust; or (c) change the terms of the trust. 24. For trustees only.

108 We are committed to efficient, and fair treatment of our customers, however sometimes things can go wrong. That’s why we welcome your feedback, and want you to let us know straight away if we haven’t met your expectations, you suspect an error, you have concerns about your products or services or we can improve our service to you in any way. Please call us straight away on 133 464 or visit ing.com.au/contactus (when you’re overseas) if you: • suspect an error on your loan account, including an account statement; or • you’ve experienced any other problem concerning your loan account or an Interactive Service. Make a complaint or provide feedback Your first point of contact for raising complaints and feedback is our customer complaints team. They will attempt to address your concerns and resolve your dispute. • You can email us customer.complaints.au@ing.com • You can call us Call 133 464 or if you’re overseas please see the toll free numbers on ing.com.au/contactus. 25. R.E.S.P.E.C.T  What to do if you have a concern  Concerns regarding your Visa Credit Card  Who else to contact What to do if you have a concern

109 • Or write to us ING Complaints Resolution GPO Box 4094 Sydney NSW 2001 If you dispute a transaction on your Visa Credit Card and have been unable to resolve it with the merchant, we may claim a refund – known as a ‘chargeback’ – from the merchant on your behalf. Note that we can only claim a chargeback if: • you press ‘Credit’ in store, or transact online, over the phone or overseas; or • you set up a recurring payment arrangement with the merchant, and those payments are to be processed via the Visa Scheme as a ‘Credit’ transaction. BPAY® payments made on your Visa Credit Card have no chargeback rights. The process and timeframes for reporting are set out in the Visa Scheme rules. As a guide, these are generally between 45 and 120 days from the transaction date, depending on the transaction type. Note that it’s important to report any disputed transaction within the required timeframes to ensure we retain the right to claim a chargeback. In certain circumstances where the ePayments Code applies there may be no set time limit for reporting a disputed transaction. For some disputed transactions on your Visa Credit Card we will: • credit the disputed amount and any charges related to the amount until the complaint is resolved; and • inform you of that credit. We’ll let you know if your transaction qualifies when you send through the details. Concerns regarding your Visa Credit Card

110 If you believe a transaction wasn’t authorised or was processed more than once to your loan account , or there was an issue with an ATM transaction, please call our Customer Care Specialists straight away on 133 464. Australian Financial Complaints Authority (AFCA) In the event that your complaint can’t be resolved directly with ING, you can lodge a complaint with the Australian Financial Complaints Authority ( AFCA ). AFCA provides fair and independent financial services complaint resolution that is free to consumers. Australian Financial Complaints Authority Phone: 1800 931 678 (free call) Online: afca.org.au Email: info@afca.org.au Post: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Customer advocacy at ING At ING, we want your experience with us to be positive and that means addressing any issues you may have quickly and effectively. With this in mind, ING has appointed a Customer Advocate to oversee and improve the complaints resolution process, making sure customers get a fair investigation and response. Our Customer advocacy charter can be found at: ing.com.au/pdf/customer_advocate_charter.pdf Contact our Customer Advocate Email: customer.advocate.au@ing.com You can find more information on ING’s complaints policy and process, including response timeframes which is available at: ing.com.au/contact-us/complaints-disputes Who else to contact

111 26.1.1 We may send you notice or any document by any means permitted by law , including by any of the following ways: (a) Delivering it to you personally, including through a personal courier. (b) Providing it electronically including by: (i) email (to the last address known to us); (ii) SMS; (iii) making it available for a reasonable period of time on our website; or 26. General (but still important) information. As the heading suggests, this information is of a general nature. Even so, it’s still important information. If there’s anything you don’t understand, feel free to contact us.  Notices  Governing law  Consumer credit legislation  Assignment  Inconsistency  Stops on your loan account  Your warranties  Other Notices

112 (iv) by making it available to you through online banking (if we provide a notice or document through online banking, we’ll send you an email letting you know that it is available). (c) Sending it by post to your: (i) address shown in the Loan Offer ; (ii) registered office (if you are a company); or (iii) last address known to us. To ensure that you receive all notices and documents about this contract , you need to let us know when any of your contact details change ( including your address, registered office (if you are a company), email address and mobile phone number). 26.1.2 A notice may be signed by any of our employees, solicitors or agents on our behalf. The notice will be deemed to be validly served even if you don’t receive it. 26.1.3 You may give us notice by email, personal delivery, fax or by post to the address stated in the Loan Offer . 26.1.4 If, in reliance on notices received by us from you, you or we suffer loss or damage because your instructions were: (a) in error; (b) a result of fraud; or (c) unclear, illegible or not accurate; you’ll be liable for any such loss or damage. 26.2.1 If, when this contract is entered into, each of you reside in the same Australian State or Territory then this contract is subject to the laws of that State or Territory. Otherwise, this contract is subject to the laws of the Australian State or Territory in which we first provide the loan . Governing law

113 26.2.2 You submit to the jurisdiction of the courts of the Australian State or Territory whose laws apply to this contract and the proper jurisdiction of any other court. 26.4.1 We may assign or otherwise deal with our rights under this contract in any way we consider appropriate. You must sign or do anything we reasonably require to enable us to do this. You agree that we may disclose any information or documents we consider desirable to help us exercise this right. 26.3.1 If: (a) the National Credit Code would otherwise make a provision of this contract illegal, void, or unenforceable; or (b) a provision of this contract would otherwise contravene a requirement of the National Credit Code or impose an obligation or liability which is prohibited by that Code, this contract is to be read as if that provision were carried to the extent necessary to comply with that Code or, if necessary, omitted. 26.3.2 If the National Credit Code is inconsistent with this contract that Code overrides this contract to the extent of the inconsistency. 26.3.3 Clauses 26.3.1 and 26.3.2 only apply to the extent that the National Credit Code applies to this contract. 26.3.4 Subject to clauses 26.3.1 and 26.3.2, any provision of this contract that is illegal, void or unenforceable shall be ineffective only to the extent of such illegality, voidness or unenforceability without invalidating the remaining provisions of this contract. Consumer credit legislation Assignment

114 26.5.1 If there is any conflict or inconsistency between the Loan Offer, the Fee Schedule , these Terms and Conditions and any security , those documents will prevail in that order to the extent of the inconsistency. 26.5.2 To the extent allowed by law and subject to clauses 26.3.1, 26.3.2 and 26.3.4 this contract prevails to the extent it is inconsistent with any law . 26.6 Subject to the requirements of any law , we may place a stop on your loan account if: (a) you’re in breach of clauses 1.3, 1.3.1, 2.3.2, 3.2.1, 3.2.2, 3.3.1, 8.1.1, 11, 12 or 15.4; (b) we become aware of any dispute or potential dispute which in our opinion has a bearing on the account. This includes , who owns or may operate the loan account , and whether we’ve received authorised or valid instructions. We may place a stop on the account until the dispute has been resolved in a manner acceptable to us; or (c) we’re required to do so by law ; or (d) we reasonably believe that you have conducted your loan account in a manner that is not satisfactory to us (including where we reasonably suspect that your loan account is being used to cause harm to you or another person), or for any other reason we reasonably consider appropriate. 26.4.2 Your rights are personal to you and may not be assigned without our written consent. Inconsistency Stops on your loan account

115 26.7.1 You warrant that all representations you make and all information and documents you, or another person acting with your knowledge or permission, give to us in connection with this contract are true and correct. 26.7.2 You acknowledge that we have relied upon the accuracy of those representations, information and documents in entering into this contract and will continue to do so in dealing with you. 26.8.1 ING takes customer welfare seriously and is committed to identifying and responding to financial abuse. Financial abuse can include (amongst other things) coercing someone to enter into debt, making all the key financial decisions in a relationship and withholding or preventing access to money. The use of the loan account to carry out financial abuse is unsatisfactory account conduct. If ING reasonably suspects the loan account is being used to cause harm to carry out financial abuse, we may take action in response, including by restricting your loan account as well as by issuing warnings or by contacting law enforcement. Your warranties Financial Abuse Policy

116 26.9.1 You must let us know if you change your name, residential or postal address or if anything affects your ability to comply with this contract . 26.9.2 If you believe that there has been a change to your Foreign Tax Residency Status , you need to let us know within 30 days. 26.9.3 We may require you to provide additional information, documentation and certification regarding your Foreign Tax Residency Status . If you don’t provide any information we reasonably request by the time we require it, we may seek the information from a third party. 26.9.4 You agree that we may fill in any blanks in any document related to this contract . 26.9.5 We and other persons may pay or receive commissions, fees or benefits in connection with your loan . Any person who introduces you to us is not acting as our agent. Nor are they authorised to make any representations or warranties to you about your loan , this contract or any of our obligations. 26.9.6 This contract may be signed in a number of counterparts and all of the counterparts will be taken to be one agreement. 26.9.7 If we exercise a right, or remedy or refuse to give our consent we’ll do so in a way that’s a fair and reasonable response to running our business. If we consider appropriate, we may impose conditions or requirements to any consent we give. 26.9.8 Our rights and remedies under this contract are in addition to other rights and remedies provided by law independently of it. 26.9.9 Our rights and remedies under this contract may be exercised by any of our employees or any other person we authorise. Other

117 26.9.10 We are not liable for loss caused by the exercise or attempted exercise of, failure to exercise, or delay in exercising, a right or remedy where there is no breach of a legal duty of care owed to you by us or if there is a breach, the loss or damage couldn’t have been reasonably foreseen. 26.9.11 If there’s more than one of you, we’ll accept instructions to operate your loan account from any one of you (we call this an ‘any one to operate’ authority), unless you tell us that such instructions must be provided by all of you (we call this ‘all to operate’ authority) - in which case, we’ll only accept instructions to operate your loan account from all of you, unless we agree otherwise in writing). 26.9.12 If there’s more than one of you under this contract , each of you is jointly and severally liable under this contract and liable for the full amount owed under this contract. We will allow any one of you to terminate your liability in respect of future advances or financial accommodations under this contract if you ask us, in writing, to do so, provided that we can terminate any obligation we have to provide further credit to any other one or more of you under this contract . 26.9.13 We subscribe to the Banking Code of Practice. If you are an individual, or a small business (as defined in the Banking Code of Practice) at the time this banking service is provided, that Code will apply to the contract . 26.9.14 To the extent that the ePayments Code applies to transactions made under this contract , we will comply with the requirements of the ePayments Code . We have done our best to ensure that this Terms and Conditions is consistent with the ePayments Code . However, if there is any difference, the processes in the ePayments Code will apply.

118 26.9.15 You must provide us with any document or information we reasonably require in relation to this contract or any security as soon as possible after we ask for it. 26.9.16 If you have another account with us, provided no amount is the subject of any dispute between you and us, we can combine your accounts. If one account is in debit and the other in credit and we combined the accounts, the positive balance would reduce the negative balance. 26.9.17 We may waive any of our rights under this contract.

119 27.1 In this contract : Access Code the password you use to access your account(s) using an Interactive Service . access method (a) the use of: • your Access Code and Client Number ; or • your Visa Credit Card and PIN ; or (b) any other method authorised by us for use by you as an authority for us to act on an instruction given through electronic equipment to debit or credit your loan account . It doesn’t include any method that needs your signature for verification. additional payments repayments in addition to those required under clause 11.1.1. amount of credit or loan amount as at the disclosure date , the amount stated in the Loan Offer and described as the amount of credit or loan amount as varied from time to time. anti-money laundering and counter-terrorism financing laws the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) (Cth) and any other legislation, regulations or rules that apply to us in respect of anti-money laundering and counter-terrorism financing. 27. Explaining words in plain English. To make the following words, names and terminology easier to reference, we’ve italicised them throughout this booklet.

120 ATM automatic teller machines of selected financial institutions as we advise you from time to time. authorised signatory any person you authorise to operate on your loan account . authorised user any person you authorise to access information on your loan account . balance in relation to a loan account , means the difference between all amounts credited and all amounts debited to that loan account where the amounts debited exceed the amounts credited. biller an entity that issues you a bill which you can pay using the BPAY ® Scheme. break costs fee method means the method of calculating break costs described in clause 2.2.5. business day means a day other than a Saturday or Sunday or public holiday when we are open for general banking business in your State or Territory. chip the electronic microchip embedded in a Visa Credit Card used as an additional security, and information storage, device. Client Number the number we give you to use with your Access Code in order to use an Interactive Service . We generally only allocate one Client Number , regardless of the number of accounts you hold with ING . Code means an Access Code , PIN , Security Code or any other secret code (including a one-time password provided by SMS to your registered mobile number) issued to you or an authorised user as a result of our enhanced security measures . Code Security Requirements means the code security requirements detailed in clause 19.6. contract this is the contract (as varied from time to time) you make with us when you accept our Loan Offer . It consists of the Loan Offer , the Fee Schedule and these Terms and Conditions . costs includes charges, expenses and costs in connection with legal and other advisers.

121 credit limit the amount we determine to be the credit limit or credit limits applying to a loan account from time to time. As at the disclosure date , the credit limit is described in the Loan Offer . customer eligibility criteria means the criteria we require you and all security providers to meet in order for us to lend to you, being you and any security provider must be: (a) aged 18 years or over; and (b) Australian citizens or permanent residents of Australia with a current Australian residential address; and (c) you must satisfy our lending criteria. cut-off time the time by which transactions, instructions and payments need to be made (for cut-off times , please refer to the FAQ section on our website ). daily balance

for a day on which an interest charge is debited to your loan account and where the debit made on that day includes the interest charge for that day, the balance of that loan account immediately before the end of that day; and
for any other day, the balance of your loan account at the end of that day. Daily Percentage Rate the interest rate determined by dividing the annual percentage rate by 365. daily default rate the rate described as the current default interest rate in the Loan Offer divided by 365. disclosure date the date described as that in the Loan Offer . EFTPOS Electronic Funds Transfer at Point of Sale. electronic equipment electronic terminal, computer and telephone. enhanced security measure means any additional security measure or authentication method that we may require you to use when accessing or transacting on your loan account(s) , such as a Code .

122 ePayments Code means the ePayments Code issued by the Australian Securities and Investments Commission (as amended from time to time). Fee Schedule means the document entitled Fee Schedule in the Loan Offer . fixed rate loan means a loan where the interest rate is fixed for a fixed interest period . fixed interest period any period described as that in the Loan Offer , any other period for which your interest rate is fixed, or such other fixed interest period which we may agree. Foreign Tax Residency Status refers to your status as a resident of a foreign country for tax purposes, in light of ING’s obligations under: (a) the global standard for the collection, reporting and exchange of financial account information of foreign tax residents; and (b) the withholding tax and reporting regime in relation to tax residents of the United States of America, known as Foreign Account Tax Compliance Act imposed by the United States Hiring Incentives to Restore Employment Act 2010, which is incorporated into Australian law in Schedule 1 of the Taxation Administration Act 1953 (Cth). guarantor any person who gives us a guarantee for your loan . home loan a loan of an amount of credit as described in the Loan Offer , or any loan we agree in writing is a home loan . including or such as not limited to the examples given. ING ING Bank (Australia) Limited (ABN 24 000 893 292) (AFSL and Australian Credit Licence 229823) of Level 28, 60 Margaret St. Sydney, New South Wales. Interactive Service means any service where you can access your accounts electronically using a secret code, such as an Access Code and/or your Identifiers. It includes our self-service telephone

123 banking accessed via touch tone phone, mobile banking and the ING website. Please note that self-service telephone banking via touch tone phone will be discontinued from 1 February 2026. interest rate each rate described as an annual percentage rate or an interest rate in the Loan Offer and any other annual percentage rate or interest rate that applies under your contract . law means common law , principles of equity, and laws made by parliament (and laws made by parliament include regulations and other instruments under them and consolidations, amendments, re-enactments or replacements of them). line of credit a loan that your Loan Offer , under the heading FINANCIAL INFORMATION, indicates has a credit limit or any loan that we agree has a credit limit . loan any credit facility provided or to be provided under your contract and, where applicable, includes any part of the credit provided under that credit facility. loan account the account(s) we establish in your name for the purposes of this contract and includes the nil interest Visa account . Loan Offer the document entitled Loan Offer . loan term or term the period described as the loan term or term of the loan in the Loan Offer . If the loan term is varied, the loan term will be the term as varied. loan purpose means the loan purpose specified in the Loan Offer or the loan purpose as changed under clause 2.2.2(e) of these Terms and Conditions and which determines the reference rate that applies to your loan . misdirected payment means an NPP Payment erroneously credited to the wrong account because of an error in relation to the recording of the PayID or associated account information in the PayID service.

124 mistaken internet payment means a payment made by a user through a pay anyone banking facility and processed by a financial institution where funds are paid into the account of an unintended recipient because the user enters or selects a BSB, account number and/or PayID that does not belong to the named and/or intended recipient as a result of: (a) the user’s error; or (b) the user being advised of the wrong BSB, account number and/or PayID. Note: a mistaken internet payment may be made when a user enters the wrong account details and/or PayID, or a user is given incorrect information by the intended recipient. A mistaken internet payment is not a payment that is made when a user makes a payment as a result of a scam (you must not tell anyone your Codes ). mortgaged property the property the subject of any security . nil interest Visa account an account we establish in your name for the purpose of this contract . nominated account a deposit account you hold in Australia, with us or another financial institution, acceptable to us and nominated by you. non-Australian source means an entity, merchant or financial institution located outside of Australia (and includes an account with a financial institution located outside of Australia). NPP means the New Payments Platform operated by NPP Australia Limited. NPP Payment means a payment made through the NPP . online banking our online banking system which we may from time to time operate and which you access from our website transaction facility. Orange Advantage the loan described in your Loan Offer , which has an Orange Everyday account linked to it.

125 Other Bank Account an account other people hold with us, or an account at another financial institution. person includes an individual, the estate of an individual, a corporation, an authority, an association or joint venture (whether incorporated or not), a partnership and a trust. phone banking our automated banking system that you can access using a touch tone phone. PIN the confidential personal identification number we issue or you select when accessing your loan account electronically with your Visa Credit Card . This number must be kept secret. politically exposed person has the meaning to given to that term in the Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) (Cth). reference rate is the reference rate used to determine the annual percentage rate as specified in your Loan Offer. principal and interest repayment calculation is a repayment calculation for a loan (rounded up to the next cent), based on the balance of the loan account for that loan on the date of calculation. This will result in that loan being paid out at the end of the loan term , on the assumption that the interest rate that applies on the day of calculation does not change and repayments and all credit fees and charges are paid when they are due. Regular Payment is a pre-arranged automatic debit from your Visa Credit Card to a specific third party. sanctions laws or sanctions obligations means any Australian or international laws, regulations, rules or government directives relating to the imposition, implementation or enforcement of economic or trade sanctions, restrictions or prohibitions. This includes, without limitation, laws administered by the Australian Government (such as the Autonomous Sanctions Act 2011 (Cth) and associated regulations), as well as sanctions laws and regulations administered by

126 foreign authorities (including the United Nations, the United States Office of Foreign Assets Control (OFAC), the European Union, and the United Kingdom). scheduled balance on any day, the amount which would have been the balance of your loan account on that day (as determined by us) if you had paid all amounts payable by you under this contract in respect of that loan account on their respective due dates and you had not repaid any part of the balance early. security each security interest described in the Loan Offer under Security , Guarantee or Additional Security and any substitute or additional security interest given to us in connection with this contract and includes the security deposit , if any. Security Code an additional code that we provide you with to conduct certain transactions as a result of our enhanced security measures . security deposit has the meaning given to it by clause 13. security interest any mortgage, charge, lien, pledge, trust, power or other rights given or to be given as or in effect as security for the payment of money or performance of obligations. It also includes a guarantee and indemnity. security provider each person (other than yourself) who gives security over the mortgaged property . settlement date the date any credit under this contract is first debited to your loan account . Terms and Conditions means this document. unauthorised transactions means any transaction on your account using an Interactive Service that’s not authorised by you or an authorised user of your account . It does not include any transaction that is performed by you, by an authorised user or by anyone else with your knowledge and consent.

127 valuation is a written valuation from a valuer, approved by us, which estimates the value of the mortgaged property . Visa Credit Card means the card you use to access your nil interest Visa account , which is issued by ING, and includes a virtual card (which is linked to an electronic wallet on a device). Visa contactless allows you to authorise purchases using a Visa Credit Card embedded with Visa contactless technology by waving your card at point of sale readers displaying the contactless symbol. website our website at ing.com.au or any other internet website we advise you in writing is a website under this contract. 27.2 In this contract : (a) the singular includes the plural and vice versa; (b) where any word or phrase is given a defined meaning, any other part of speech or grammatical form of that word or phrase has a corresponding meaning; (c) a reference to a clause is to a clause of these T erms and Conditions ; (d) a reference to a document ( including this document) is to that document as varied, ratified or replaced from time to time; and (e) a reference to you includes your successors and assigns.

128

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.

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 the credit provider and, if you still have concerns, the Australian Financial Complaints Authority (AFCA) scheme, or get legal advice.  The contract  Insurance  Mortgages  General The contract

129 2. 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 contract 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 - • 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.

130 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. 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 20 days advance written notice for -

a change in the way in which interest is calculated; or
a change in credit fees and charges; or
any other changes by your credit provider; except where the change reduces what you have to pay or the change happens automatically under the contract . Insurance

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

131 the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve speci fi c complaints. The AFCA scheme can be contacted by: • calling 1800 931 678; • going to afca.org.au; • emailing info@afca.org.au; or • writing to: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www.asic.gov.au. 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. 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

132 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. Mortgages 15. If my contract says I have to give a mortgage, what does this mean? A mortgage means that you give your credit provider certain rights over any property you mortgage. If you default under your contract , you can lose that property and you might still owe money to the credit provider. 16. Should I get a copy of my mortgage? Yes. It can be part of your credit contract or, if it is a separate document, you will be given a copy of the mortgage within 14 days after your mortgage is entered into. However, you need not be given a copy if the credit provider has previously given you a copy of the mortgage document to keep.

133 17. Is there anything that I am not allowed to do with the property I have mortgaged? The law says you cannot assign or dispose of the property unless you have your credit provider’s, or the court’s, permission. You must also look after the property. Read the mortgage document as well. It will usually have other terms and conditions about what you can or cannot do with the property. 18. What can I do if I find that I cannot afford my repayments and there is a mortgage over property? See the answers to questions 22 and 23. Otherwise you may - • if the mortgaged property is goods - give the property back to your credit provider, together with a letter saying you want the credit provider to sell the property for you; • sell the property, but only if your credit provider gives permission first; OR • give the property to someone who may then take over the repayments, but only if your credit provider gives permission first. If your credit provider won’t give permission, you can contact the AFCA scheme for help. If you have a guarantor , talk to the guarantor who may be able to help you. You should understand that you may owe money to your credit provider even after the mortgaged property is sold. 19. Can my credit provider take or sell the mortgaged property? Yes, if you have not carried out all of your obligations under your contract . 20. If my credit provider writes asking me where the mortgaged goods are, do I have to say where they are? Yes. You have 7 days after receiving your credit provider’s request to tell your credit provider. If

134 you do not have the goods you must give your credit provider all the information you have so they can be traced. 21. When can my credit provider or its agent come into a residence to take possession of mortgaged goods? Your credit provider can only do so if it has the court’s approval or the written consent of the occupier which is given after the occupier is informed in writing of the relevant section in the National Credit Code. 22. What do I do if I cannot make a repayment? Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways - • to extend the term of your contract and reduce payments; or • to extend the term of your contract and delay payments for a set time; or • to delay payments for a set time. 23. What if my credit provider and I cannot agree on a suitable arrangement? If the credit provider refuses your request to change repayments, you can ask the credit provider to review this decision if you think it is wrong. If the credit provider still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 25. 24. 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 General

135 you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 25. 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. Hey, you made it to the end. Well done! Remember, if you have any questions we’re here to help. Just call us on 133 464. IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE. THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. THE AFCA SCHEME CAN BE CONTACTED: (A) BY CALLING 1800 931 678; (B) BY GOING TO AFCA.ORG.AU; (C) BY EMAILING INFO@AFCA.ORG.AU; OR (D) IN WRITING TO: AUSTRALIAN FINANCIAL COMPLAINTS AUTHORITY, GPO BOX 3, MELBOURNE VIC 3001 PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

For the curious: Information in this booklet is current as at the time of printing and is subject to change. Products and this Terms and Conditions booklet are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823, Australian Credit Licence 229823. ING is a Registered Trademark of ING Groep N.V. BPAY® is a Registered Trademark of BPAY Pty Ltd ABN 69 079 137 518. ING IB242 12/25 Visit ing.com.au Call 133 464 Alternatively you can send mail to GPO Box 4094 Sydney NSW 2001 Connect with us X Facebook YouTube Blog Get in touch

Source: https://www.ing.com.au/pdf/Interest%20Only%20Payments%20-%20Fact%20Sheet.pdf

Page 1 of 2 | ING3039 | 02/20 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 It’s important to remember: when you’re assessed for an interest-only loan, it’s based on your ability to pay the higher principal and interest payments in the future. Because your loan term remains the same (30 years, for example), the longer you go for interest only, the higher the principal and interest repayments will be at the expiry of your interest-only period, as you’ll still need to pay the original principal in your agreed loan term. You could have the flexibility to choose With ING Home Loans most customers choose to pay ‘principal and interest’ repayments from the get-go. But this doesn’t work for everyone. If you’re an owner-occupier, you have the option to apply to pay ‘interest only’ repayments for up to five years over the life of your loan, or up to 10 years if you borrow to invest in property. After the interest-only period, your loan will revert to principal and interest repayments. Your repayment option depends on what you want to achieve as well as your eligibility for Interest Only. So here are some things to consider when deciding which way you’d like to repay your loan. Understanding the difference Here’s a quick summary of principal and interest versus interest only. Principal and interest Interest only With principal and interest, your repayments include a combination of the monthly interest plus a portion of the original loan amount, called the principal. Paying principal and interest will put you on track to fully repay your home loan within the agreed loan term. With interest only, your repayments only cover the monthly interest, not any of the original loan amount. That means there’ll be no reduction in the principal, so the balance of your loan will remain outstanding at the end of the agreed interest-only period. Example: seeing what’s still owed after 10 years Here’s the impact of paying principal and interest compared to interest only after the first 10 years of an investor home loan. We’ve based our comparison on a $400,000 loan over 30 years at a 4% p.a. interest rate with an initial interest-only period of 10 years and no fees. Principal & Interest Interest Only Monthly repayment: $1,909 per month for 10 years s Remaining principal: $315,136 Remaining principal: $400,000 Monthly repayment: $1,333 per month for 10 years Different ways to repay. Deciding the best way to repay your home loan

Page 2 of 2 | ING3039 | 02/20 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Weighing up your options Here are some things to consider when you’re weighing up the options. Principal and interest Interest only • People often choose principal and interest so they can own their home sooner and this option is designed to ensure you pay off the loan by the end of your loan term. • While paying the principal as well as interest may mean higher repayments in the short term compared to paying interest only, the total cost will be less over time – see the example below for just how much. • Paying principal and interest can also help create equity in your home as you steadily reduce the amount owing compared to the value of your property. • Having equity in your home not only helps provide peace of mind, it could provide greater financial flexibility in the future if you want to access your equity to pay for other things • People have the option to choose interest only to lower their initial repayments or tax bill BUT it will mean higher repayments after the expiry of the interest only period. • If you’re investing in property you have the option to choose interest only to receive a tax deduction on the exact interest you pay, or to free up money for other things. • Repayments are lower during the interest-free period, which might be suitable if you’re planning to renovate and need cash, or you need a short-term lower repayment due to a change in your circumstances. • It is possible to build equity in your property with Interest Only repayments, but you are relying on the increasing market value of your property. • Be aware: you must fully financially qualify for interest only, and it is important to understand that your repayments will be higher than your previous principal-and-interest payments once the interest only period ends. So it’s important you plan ahead. Example: comparing the cost long term Building on the previous example, here’s the difference in total repayments between paying principal and interest and interest only over the full term for an owner-occupier home loan. This example’s also based on a $400,000 loan over 30 years at a 4% p.a. interest rate, with no fees. Getting independent advice Because you have to live with your home loan for a long time, we want you to be comfortable with your choice of repayment type. If you’re unsure which option is best for you, we recommend speaking to your tax adviser or an independent financial planner. You can find licensed planners in your area at fpa.com.au Any questions, we’re here to help on 133 464 , 8am – 8pm, 7 days (AEST/AEDT) or visit ing.com.au For the curious: Any advice in this fact sheet does not take into account your objectives, financial situation or needs, and you should consider whether it is appropriate for you. Before making a decision in relation to any products, you should read the relevant Terms and Conditions booklet, Fees and Limits Schedule, Product Disclosure Statement, ING Customer Eligibility and Name-Screening document, Key Fact Sheet, Financial Service Guide available at ing.com. au or by calling 133 464. ING recommends you seek independent financial or taxation advice where appropriate. ING credit and deposit products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. The examples provided outline the potential costs associated with the principal and interest or Interest Only repayments, and the costs associated with your own loan will depend on a range of factors including interest term, associated fees for application and loan variations, the interest rate and repayment schedule of your home loan with ING. Information and interest rates are for illustrative purposes only. Principal & Interest Interest Only Monthly repayment: $1,909 per month over 30 years s Monthly repayment: $1,333 per month first 5 years then... $2,111 per month remaining 25 years Total repayment cost: $687,478 Total repayment cost: $713,404

Source: https://www.ing.com.au/pdf/Land_Title_Verification_of_Identity_Form.pdf

Land Title Verification of Identity Form How to present your application at Australia Post

Ensure you have the appropriate identification documents for the highest possible category. Identification documents to be presented must contain matching personal information, be original and current (except for an expired Australian Passport which has not been cancelled and was current within the preceding two years). • If you have changed your name from that on an identification document, you will also need to provide a change of name document(s). • A translation will be required for passports, driver licences and birth certificates if not in English. The translation is to be completed by a NAATI accredited translator (go to www.naati.com.au for details). You should produce two Category 1 documents, if these have been issued to you. If you cannot satisfy Category 1 requirements, you must produce documents from the next highest category possible^.
Present your form at any participating Post Office. • If you require verification of identity (VOI) urgently, an express service is available at selected Post Offices which can be found at auspost.com.au/find/landtitleexpressservice. The VOI Report will be delivered on the same day you present your form. • A standard service is available at other participating Post Offices which can be found at auspost.com.au/find/landtitle. The VOI Report will typically be delivered within 2-5 business days.
Do not complete Section D in advance. (a) Do not sign until you present this form at Australia Post. Your signature must be witnessed by the Australia Post verifier. (b) Do not attach a photo. A photo will be taken (and attached where applicable) by the Australia Post verifier.
Certified copies of your identification documents and photo taken by Australia Post will be delivered to your conveyancer / lawyer / mortgagee as part of the VOI Report.
The fee for the VOI service includes the taking of your photo and is payable to Australia Post when you present your form. Fees can be paid by cash, EFTPOS, Visa or MasterCard. Cheques are not accepted.
If you require a Client Authorisation Form or other registry instrument or document to be witnessed, it can be presented to Australia Post along with this form. ^ Category 5 (a) and 5 (b) are not performed by Australia Post. Australian citizen or resident Non Australian citizen or resident Category 1 Category 2 Category 3 Category 4 (a) Category 4 (b) Category 6 ONE of the following • Australian passport • Foreign passport • Australian Evidence of Immigration Status Immicard** • Australian Migration Status Immicard** AND ONE of the following • Australian driver licence • Proof of age card (issued by the Commonwealth, a state or territory) • Photo card (issued by the Commonwealth, a state or territory) AND (if required) Change of Name* • Marriage certificate • Change of name certificate ONE of the following AND ONE of the following • Full birth certificate • Citizenship certificate AND ONE of the following • Medicare card • Centrelink card • DVA card AND (if required) Change of Name* • Marriage certificate • Change of name certificate ONE of the following • Australian driver licence • Proof of age card (issued by the Commonwealth, a state or territory) • Photo card (issued by the Commonwealth, a state or territory) AND ONE of the following • Full birth certificate • Citizenship certificate AND ONE of the following • Medicare card • Centrelink card • DVA card AND (if required) Change of Name* • Marriage certificate • Change of name certificate ONE of the following AND ONE of the following government issued licences (with photo) • Australian boat licence • Australian firearms licence • Private security licence • Australian WorkCover licence AND (if required) Change of Name* • Marriage certificate • Change of name certificate ONE of the following AND • Full birth certificate AND ONE of the following • Medicare card • Centrelink card • DVA card AND (if required) Change of Name* • Marriage certificate • Change of name certificate • Foreign passport AND ONE of the followin g (a) OR (b) AND (if requir ed) Change of Name* • Marriage certificate • Change of name certificate • Australian / foreign driver licence • Proof of age card (issued by the Commonwealth, a state or territory) • Photo card (issued by the Commonwealth, a state or territory) • Full birth certificate AND ONE of the following • Medicare card • Centrelink card • DVA card • Foreign government issued identity document V6.0 12/09/2022 • Australian passport • Foreign passport • Australian Evidence of Immigration Status Immicard** • Australian Migration Status Immicard** • Australian passport • Foreign passport • Australian Evidence of Immigration Status Immicard** • Australian Migration Status Immicard** • Australian passport • Foreign passport • Australian Evidence of Immigration Status Immicard** • Australian Migration Status Immicard**

Must be issued by the Registry of Births, Deaths and Marriages. Documents issued by a celebrant are not acceptable. ** Acceptable only at participating Post Offices offering the Land Title ID Check express service.

Land Title Verification of Identity Form Complete sections A, B and C (if applicable) in full before presenting your form at an Australia Post Land Title ID Check post office. Name of your conveyancer / lawyer / mortgagee (only use this form if provided by the party named below) A. Details of applicant Title Family name / surname Given name(s) (full name no initials) Date of birth (DD / MM / YYYY) Contact phone number B. Current residential address Unit number / street number / street name Suburb / locality State Postcode C. Property details - of property being transacted (if applicable) Unit number / street number / street name or legal land description (lot / plan) Suburb / locality State Postcode Do not sign until you present this form at Australia Post. Your signature must be witnessed by the Australia Post verifier. I acknowledge that the information on this form is true and correct. Please sign in black ink only inside the box Date (DD / MM / YY) Privacy Notice - Australia Post is collecting your personal information to verify your identity which may be used or disclosed with certain third parties to help us administer this service. If required, we may contact you regarding your application. We may also use your information to gather your feedback about our service. Your personal information is handled in accordance with Australia Post Group Privacy Policy which outlines how to access and/or correct your personal information or make a privacy related complaint. For more information, please visit www.auspost.com.au/privacy. E. Australia Post use only I, the Verifier listed below, hereby certify that: this identification relates to the person listed in Section A 1. the identification was carried out on the date shown below 2. the identification documents presented appear to be original and current; certified copies are attached to this form 3. each photograph in the identification documents produced to me appears to be a reasonable likeness of the person being identified 4. the identity verification has been conducted in accordance with the Registrar’s Verification of Identity Standard 5. I witnessed the person listed in Section A sign a Client Authorisation Form, registry instrument or other document (if presented by the applicant) 6. Verifier's name Comments Date (DD / MM / YY) Work centre code Verifier's signature Identity verified by Page 2 of 2 only and print within the boxes in B L O C K L E T T E R S *2756 52318 8 I N G D. Declaration by applicant PTVOIF Reusable V6.0 52318 ING 12/09/2022

Source: https://www.ing.com.au/pdf/OrangeOne/ComplimentaryInsuranceTermsAndConditions.pdf

Orange One Platinum Visa Credit Card Complimentary Travel Insurance Policy Information Booklet Effective 14 November 2024

Claims and enquiries You can contact Allianz Global Assistance for claims and enquiries using the contact details below. Online: Lodge your International Travel Insurance at: claimmanager.com.au Within Australia Phone: 1800 754 190 Monday to Friday: 8am to 7pm AEST E-mail: cardclaims@allianz-assistance.com.au 24-Hour Emergency Assistance ALLIANZ GLOBAL ASSISTANCE Please call emergency services immediately if your condition is life threatening. Within Australia: 1800 010 075 From overseas: +61 7 3305 7499 Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. E-mail: medical@allianz-assistance.com.au Changes to this booklet The information in this booklet is subject to change from time to time and is correct and current as at the date on the cover. The Termination or Variation of Cover clause on page 2 sets out the notice The Bank will provide to you when changes are made to the terms and conditions related to the insurance cover available to you or where the policy is terminated. A new Policy Information Booklet reflecting the changes will be made available on the Bank’s website www.ing.com.au. THE INSURER IS: Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000. THE GROUP POLICY IS ISSUED AND MANAGED BY: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000. Contents Important Information about the Complimentary Cover Available ......................................................................... 1 Introduction ......................................................................... 1 Allianz – the insurer ............................................................ 1 The Bank is not the issuer (insurer) of this cover ......... 2 Termination or variation of cover .................................... 2 Other insurances ................................................................. 3 Limitation of cover ............................................................. 3 Allianz Global Assistance Privacy Notice ........................... 4 Definitions .................................................................................. 7 International Travel Insurance ........................................... 18 Part A - Eligibility for Cover .............................................18 Part B - Period of Cover ....................................................19 Part C - Benefits Limits ....................................................21 Part D - Excesses and General Exclusions ...................23 Part E - The Cover Available ............................................27 Claims ........................................................................................ 54 How to make a claim .......................................................54 Depreciation .......................................................................55 Claims are payable in Australian dollars .....................56 Recovery ............................................................................56 How GST may affect your claim....................................57 Fraud ....................................................................................58 Complaints and Disputes ..................................................... 58 General Insurance Code of Practice .................................. 58

1 2 Important Information about the Complimentary Cover Available Introduction This booklet describes the complimentary insurance benefits provided by Allianz Australia Insurance Limited (Allianz), which are available to cardholders and other eligible beneficiaries. Cover applies to events occurring on or after 14 November 2024. You are not covered for events occurring after termination of or the expiry of the period of the Group Policy. The Bank will provide accountholders with details of any replacement cover. Allianz – the insurer These covers are available under a Group Policy issued to the Bank by AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane QLD 4000 (Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington St, Sydney, NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz. The covers described in this booklet are available for your benefit under a Group Policy entered into between Allianz Global Assistance on behalf of Allianz and the Bank. The Bank is the Group Policy owner. When eligible, you have the benefit of cover as a third-party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions, limits, applicable sub-limits and claims procedures contained in this booklet. Please read this booklet carefully and keep it in a safe place. Also please keep detailed particulars and proof of any loss. Examples may include sales receipts and card account statements showing any purchases. The Bank is not the issuer (insurer) of this cover The Bank is not the issuer (insurer) of these covers and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under the covers available. These benefits are available to the beneficiaries upon meeting the eligibility requirements under these covers. Neither the Bank nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or any of their related companies and the Bank does not receive any commission or remuneration in relation to the insurance set out in this booklet. Termination or variation of cover The Bank or Allianz may terminate or agree to vary the terms, conditions and cover available to cardholders under the Group Policy as set out in this booklet. If this occurs, the Bank will give the accountholder at least 30 days’ written notice before the termination or change takes effect. The Bank may give less notice, or publish the notice on the Bank’s website if: • there is a minor change with no effect to the cardholders’ cover or eligibility criteria (e.g. change of contact details); • the variation is favourable to the cardholder (in which case the Bank will take reasonable steps to provide written notice as soon as reasonably possible); or • The Bank and Allianz is reasonably required to act quickly to change the terms of the Group Policy to manage a material and immediate risk arising from: a] a potential or actual breach of any law; or b] a proposed change in, or interpretation of, a law or any decision, recommendation, regulatory guidance or standard of any court, tribunal, ombudsman service, regulatory or other similar body. A risk will be considered material and immediate if to protect the Bank’s and/or Allianz’ legitimate business interests, the Bank and/or Allianz are required to act quickly to change the terms, conditions and/or cover, or terminate the cover, as set out in this booklet.

3 4 Allianz Global Assistance Privacy Notice To offer or provide you with our insurance services, we, namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as ‘Allianz Global Assistance’ and as agent for the insurer Allianz, collects, stores, uses, and discloses your personal information including sensitive information. The insurance cover arises from a Group Policy taken out between your bank and Allianz and under which you are entitled to cover as a beneficiary when you meet the eligibility criteria set out in the Group Policy wording. We usually collect your personal information directly from you, but sometimes from others depending upon the circumstances. For example, when you make a claim for cover, we may collect your personal information from you, the Group Policy holder, to check you have met eligibility requirements, or from family members and travel companions, as well as from third parties that provide services including doctors, hospitals, airlines, travel and accommodation providers, your agents and representatives, our agents, and other service providers. We are responsible for ensuring your personal information is used and protected in accordance with applicable laws and regulations, including the Privacy Act 1988 (Cth). We collect your personal information to enable us to properly assess and manage your insurance claim, and to provide the services we have agreed to provide under the Group Policy. For example, we collect your name, address, date of birth, email address, and sometimes your medical information, bank account details, as well as other information we collect through devices like ‘cookies’ when you visit our website such as your IP address and online preferences. We use your personal information to offer and provide our services and to manage your and our rights and obligations in connection with your claim. For instance, we use it to check, process, and finalise your insurance claim. We may also use it for product development, customer data analytics, research, IT systems Where there is a termination or change to the terms, conditions and/or cover as set out in this booklet, the existing terms, conditions and/or cover will only apply to events occurring before the date of the change or termination. Where the Group Policy is terminated, no cover is available for events occurring after the date of termination. The Bank will provide accountholders with details of any replacement cover and its relevant effective date. Other insurances If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a comprehensive travel insurance policy you purchased separately for your overseas journey), in respect of the same loss as your claim under the Group Policy, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth) Allianz is not liable to provide indemnity under this Group Policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover made available under this Group Policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy. If you make a claim under another insurance policy and you are not paid the full amount of the claim, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), the cover available to you under the Group Policy will make up the difference, to the extent of cover that applies, in accordance with the terms and conditions contained in this booklet. Should we make payment to you for the full amount of the claim, we may seek contribution from your other insurer. In such circumstances, you must give us any information that we reasonably require to help us make a contribution claim from the other insurer. Limitation of cover Regardless of anything contained in this Policy to the contrary, we shall not be liable to provide any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This applies where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction.

5 6 maintenance and development, recovery against third parties, for the detection and investigation of fraud, and for other purposes with your consent or where permitted by law. We do not use your personal or sensitive information for marketing purposes or provide that information to any third parties for marketing. Your personal information may be disclosed to third parties (some of whom are data processors) who assist us to carry out the above activities both inside and outside of Australia, such as claims management providers, travel agents and intermediaries, insurers, investigators, cost containment providers, medical and health service providers, overseas data storage (including ‘cloud’ storage) and data handling providers, legal and other professional advisers, your agents, your travel group leader if you travel in a group, your Bank if you are the beneficiary of the bank’s credit card insurances, insurance reference bureaux, and our related and group companies including Allianz. Some of these third parties may be located in other countries including in Europe, Asia, Canada, or the USA. When you provide personal information to us about other individuals, we rely on you to have first obtained the individual’s consent, and to have made them aware of the matters set out in this Privacy Notice. You may also seek access to your personal data and ask us to correct and update it. To do this please contact: The Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@allianz- assistance.com.au. We will delete your personal data when we no longer need it for a legitimate purpose. You may not access or correct personal information of others unless you have been authorised by their express consent, or unless they are your dependants under 16 years of age. If you have a request or complaint concerning your personal information or about data privacy, please contact: The Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@ allianz-assistance.com.au. You can also contact the Privacy Commissioner at the Office of The Australian Information Commissioner if you have a complaint. For more information about our corporate privacy policy and handling of personal information, including further details about access, correction and complaints, please visit our website at www.allianz-assistance.com.au and click on the ‘Privacy & Security’ link in the footer. If you do not agree with the matters set out in our privacy policy or will not provide us with the personal information we request, we may not be able to provide you with our services including the assessment and payment of any claims. In cases where we cannot comply with your request concerning your personal information, we will give you reasons why.

7 8 Card account • A current and valid Orange One Platinum Visa Credit Card, Orange One Low Rate Platinum Credit Card, and Orange One Rewards Platinum Credit Card facility provided by ING Bank to which purchases made by cardholders on an ING Orange One Platinum Visa Credit Card, Orange One Low Rate Platinum Credit Card, and Orange One Rewards Platinum Credit Card are charged; or • the primary account linked to an ING Orange One Platinum Visa Credit Card, Orange One Low Rate Platinum Credit Card, or Orange One Rewards Platinum Credit Card to which a transaction is routed by any electronic funds transfer facility. Cardholder a person who is a resident in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency), to whom ING Bank has issued an ING Orange One Platinum Visa Credit Card, Orange One Low Rate Platinum Credit Card, or Orange One Rewards Platinum Credit Card. Concealed storage compartment a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a vehicle. Definitions There are some words in this booklet that have a special meaning. When the following words and phrases appear in this booklet they have the meanings given below. The use of the singular shall also include the use of the plural and vice versa. Word Meaning Accident Accidental Accidentally a sudden, unforeseen and unintended event. Accountholder an ING Bank customer, being an individual, business entity or company, who has entered into a card account with ING Bank and in whose name the card account was opened. The accountholder is the individual, business entity or company that has contractual obligations with ING Bank under the card account. Allianz Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708. Allianz Global Assistance AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631. Bank ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823. Card a current and valid Orange One Platinum Visa Credit Card, Orange One Low Rate Platinum Credit Card, and Orange One Rewards Platinum Credit Card issued by ING.

9 10 Dependant • your child (including step-child, adopted child, foster child and child you care for under a legal guardian arrangement), not in full-time employment who is aged under 25 years at the time that their eligibility for cover is met; or • a person who is physically or mentally incapable of self-support who the cardholder is legally responsible for and who lives with the cardholder. Dependant does not include any person other than those listed. Epidemic an infectious disease that rapidly spreads to a large number of people in a community, population or region that is recognized or referred to as an epidemic by the World Health Organisation (WHO) or an official government authority. Excess the deduction we will make from the amount otherwise payable for each claimable incident or event. Financial Default insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers, or any other form of insolvency administration or the happening of anything of a similar nature under the laws of any jurisdiction. Funeral Expenses the costs charged by a funeral director for arranging a funeral service and by a cemetery for a burial or a crematorium for a cremation. It does not include the cost of memorialisation or any other costs. Covered item an item acquired for personal, domestic or household use but excludes: • items acquired for the purpose of sale or trade; • animals or plant life; • boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories; • computer software and other non- tangible items; • cash, bullion, negotiable instruments, vouchers, gift cards, securities, trading cards, tickets of any description, travellers cheques or collections such as stamps, coins and cards; • consumable or perishable items (including but not limited to food, drink, drugs, cosmetics, fuel or oil); • manuscripts and books of account; • second-hand items including works of art and antiques; • items of contraband; • real estate and movable fixtures or fittings (including but not limited to dish washers, stoves, ovens and fixed air conditioners) which are or are intended to form part of any home or real estate.

11 12 Medical Adviser a doctor, a clinical psychologist or a dentist, who is not you, your travel companion or a relative or an employee of you, your travel companion or a relative, holding the necessary certification for the country in which they are currently practicing and qualified to give the diagnosis being provided. Medical Expenses reasonable expenses incurred for: • medical, paramedical or surgical treatment and other treatment given or prescribed by a medical adviser; or • ambulance or hospital charges; or • dental treatment arising as a result of an injury. Mental Illness any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses. Consult your medical adviser for more information). Motorcycle any two-wheeled or three-wheeled motor vehicle. Natural Disaster any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption, but not epidemics or pandemics. Overseas outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters. Pandemic an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority. Group Policy an insurance policy on the terms and conditions set out in this booklet, issued by Allianz Global Assistance on behalf of the Insurer Allianz, under which the Insurer does, by operation of section 48 of the Insurance Contracts Act, provide insurance cover benefits for cardholders (including spouses and/or dependant/s) as third-party beneficiaries (as that term is defined in the Insurance Contracts Act). Home The place where you normally live in Australia. Hospital an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a nursing or convalescent home or a place for the treatment of alcoholism, drug addiction or substance addiction. ING ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823. Injure Injured Injury bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during the period of cover available and does not result from any illness, sickness or disease. Journey travel which begins when you leave home or your place of business to commence your travel and ends when you arrive back home or at a hospital or nursing home in Australia (if you are evacuated or repatriated), whichever happens earlier.

13 14 Pre-existing Medical Condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition; or • any physical condition; or • pregnancy; or • any lifelong illness; or • any chronic illness; or • any mental illness; or • any current or previously treated cancer, or any condition which, in the last two years: • was treated by surgery (including day surgery); or • required regular medication; or • required on-going treatment; or • was referred to a specialist medical adviser; or • had regular reviews or check-ups; or • caused admission to hospital; or • was treated at a hospital emergency department or out- patient clinic. Pregnancy related arising from or directly connected with the process and changes in a mother resulting from a developing foetus. It covers the mother and foetus, as per the limits and conditions of cover set out in this policy, when either requires emergency medical care. Prepaid travel costs your travel costs that you pay for before leaving Australia. This includes but is not limited to the cost of your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour. Proof of your ownership and value receipts, invoices, valuations, and other documents directly showing ownership and value. Where direct proof of ownership or valuation is not reasonably available to the insured and depending upon the value and nature of the claim, it can include statutory declarations or other information which show the insured is most likely the owner. Quad bike a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control. Reasonable • for covered medical, hospital or dental expenses – at the standard level of care given in the country you are in but not exceeding that provided through the public hospital system in Australia; • for covered booking and travel- related expenses – a level comparable to those you have booked for the rest of your journey. If no similar booked travel arrangements or for covered expenses of relatives, a level that is appropriate and moderate in the circumstances, not extravagant; • for covered funeral expenses – a level that in the circumstances is moderate, not premium; • for situations where we ask you to do something such as to assist us, or to provide documents or information, or to take reasonable care or to make reasonable efforts

to the extent that is practically achievable by you and within your control or ability using ordinary efforts;

15 16 Reasonable cont. • for reasonable medical advice

advice provided by a doctor or other medically qualified practitioner experienced in the medical issue in question and engaged either on your behalf or on our behalf to provide medical advice; • for legal costs or expenses
the usual or normal legal costs and expenses incurred in defending or settling a claim, including engaging a mid-tier firm of lawyers, their reasonable disbursements etc, not extravagant; • for conduct, acts or knowledge of ‘a reasonable person’ - what would be expected of an average person in the circumstances having regard to common community standards and fairness, and achievable by the insured through normal endeavours; • for any other circumstances
what is reasonable in the circumstances, having regard to common community standards, and fairness. Reciprocal Health Care Agreement An agreement between the Government of Australia and the government of another country where Australian residents are provided with subsidised essential medical treatment. (Please visit www.dfat.gov. au for details of Reciprocal Health Care Agreements with Australia). Relative • spouse, fiancé, fiancée; • parent, parent-in-law; step-parent, guardian; • grandparent; • child, grandchild, step-child, foster child, ward; • brother, half-brother, step brother, brother-in-law, sister, half-sister, step sister, sister-in-law; • daughter-in-law, son-in-law; or • uncle, aunt, niece, nephew. Relative does not include any other person. Rental Vehicle a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four-wheel drive or mini bus/ people mover rented from a licensed motor vehicle rental company or agency. Rental vehicle does not include any other vehicle irrespective of type or weight. Return Overseas Travel Ticket an air or cruise ticket departing from and returning to Australia. Sick, Sickness a medical condition (including a mental illness), not being an injury, the signs or symptoms of which first occur or manifest during the period of cover available. Special Event a wedding, funeral, 25th or 50th wedding anniversary, pre-paid conference, pre-paid sporting event, pre-paid concert, pre-paid cruise or pre-paid tour which before you left Australia you had planned to attend. Special event does not include any other event. Sporting Equipment equipment needed and used to participate in a particular sport and which can be carried about with you.

17 18 International Travel Insurance Part A - Eligibility for Cover Who is eligible? As a cardholder with an ING Orange One Platinum Visa Credit Card, Orange One Low Rate Platinum Credit Card, and Orange One Rewards Platinum Credit Card you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:

you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency);
before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account; and
you have a return overseas travel ticket before you leave Australia. Who else is eligible? If the cardholder becomes eligible for the cover available, a spouse and/or dependant(s) also becomes eligible, when each of them individually meets all of the following eligibility criteria:
the spouse and/or dependants reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles them to residency
each spouse and/or dependant is travelling with the cardholder for at least 50% of the period of cover available to the cardholder for the cardholder’s overseas journey; and
before leaving Australia at least $500 of each of the spouse and/or dependant’s prepaid travel costs, for example, return overseas travel ticket, prepaid overseas accommodation, prepaid cruise, travel or tour, are charged to the accountholder’s card account; and
each of the spouse and/or dependants has a return overseas travel ticket before leaving Australia. When a cardholder, spouse and dependant are travelling together, only one eligible person can claim the benefits Spouse the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey starts. Transaction Card a debit card, credit card or travel money card. Travel Companion a person with whom you made arrangements before the journey began, to travel with you for at least 50% of the period of cover available for your journey. Travel companion does not include any other person. Valuables jewellery, watches, precious metals or semi-precious stones/precious stones and items made of or containing precious metals or semi- precious stones/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), tablets, MP3/4 players and PDAs. We, Our, Us Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708 and its agent AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance. You, Your, Yourself accountholder, cardholder, spouse or dependants if they are eligible for the cover available.

19 20 payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. For example, when a spouse is also a cardholder, if they do not meet the eligibility requirements as a cardholder they can only claim as a spouse, not a cardholder. Dependants under the age of two years at the date the journey commences If a cardholder satisfies the eligibility criteria set out above, their dependant(s) under the age of two years as at the date the journey commences is eligible for the cover provided the dependant is travelling with the cardholder for at least 50% of the period of cover available to the cardholder for the cardholder’s overseas journey. No cover is available for dependants born on the journey. Refer to the Pregnancy section in Part E - The Cover Available. Part B - Period of Cover If you have met all the criteria listed under Part A - Eligibility for Cover before leaving Australia, the following maximum period of cover is available for your journey. Period of Cover Up to 40 consecutive days for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you. The period of cover available under Section 2.1 Cancellation begins on the date you become eligible by meeting the criteria set out in Part A - Eligibility for Cover. Provided you meet the eligibility criteria set out in Part A - Eligibility for Cover, the period of cover available for all other insured events commences when you leave your home to start your journey or on the departure date shown on your return overseas travel ticket, whichever occurs later. Cover available under all sections ends when the first of the following occurs: • when you return to your home; or • when you arrive at a hospital or nursing home in Australia (if you are evacuated or repatriated); or • at midnight on the date when you are due to return to your home as shown on your return overseas travel ticket; or • 40 consecutive days after the date of departure shown on your return overseas travel ticket; or • when you cancel your return overseas travel ticket. If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control: • the period of cover available will automatically be extended by us for up to four consecutive weeks; or • if you are under the care of a medical adviser overseas, who certifies in writing that you are incapable of travel at the end of the additional four consecutive weeks, cover will continue for medical expenses and evacuation for up to 12 consecutive months from the date of your departure from Australia; or • until you are medically fit to return to Australia. The cover will end on the date that Allianz Global Assistance would have been able to reasonably facilitate your return to Australia, provided this fall within 12 consecutive months from the date of your departure from Australia.

21 22 Part C - Benefits Limits The table below sets out the amounts and maximum limits of what we will pay under each section of International Travel Insurance. All limits and sub-limits in the table are shown in Australian dollars. The cover available is outlined in Part E – The Cover Available and is subject to the applicable terms, conditions, limits, sub-limits and exclusions. The cover described in the table below is a summary only. All costs and expenses claimed must be necessary and reasonable. Section Limit 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) $20 million 1.2 Overseas Emergency Medical $20 million 1.3 Overseas Emergency Dental (spontaneous toothache) Up to a maximum total limit of $1500 per person for emergency dental treatment for sudden and acute pain (toothache) to natural teeth. 1.4 Hospital Cash Allowance $75 per person per day up to a maximum total limit of $7,500 per person, with a maximum total limit of $10,000 for all claims combined. 1.5 Accidental Death $25,000 per person up to a maximum total limit of $50,000. 1.6 Funeral Expenses Up to $10,000 per person up to a maximum total limit of $30,000 2.1 Cancellation Up to a maximum total limit of $10,000 except: 2.1.1 b] Travel agent’s fees Up to $1,500 per person Section Limit 3.1 Additional Expenses Up to a maximum total limit of $10,000 3.2 Travel Delay Expenses Up to $250 per person after six consecutive hours, up to a maximum total limit of $500 3.3 Alternative Transport Expenses Up to a maximum total limit of $2,500 3.4 Return Home following the Death or Hospital Admission of a Relative Up to $5,000 per person, up to a maximum total limit of $10,000 4.1 Luggage Up to a maximum total limit of $10,000 subject to the following limits: 4.1.1a] Stolen, accidentally damaged or permanently lost luggage Up to $2,000 per item for cameras and associated equipment/accessories. Up to $2,000 in total for laptops and associated equipment/accessories. Up to $750 per covered item not listed above. 4.1.1b] Covered items left in a vehicle during daylight hours Up to $200 per covered item, up to a maximum total limit of $2,000. 4.1.1c] Valuables left in a vehicle or checked in luggage No cover available. 4.1.1d] Sporting Equipment while it is in use No cover available. 4.2 Travel Documents, Transaction Cards & Travellers Cheques Up to $500 per person up to a maximum total limit of $1,000 4.3 Luggage Delay Up to $500 per person up to a maximum total limit of $1,000

23 24 Section Limit 5.1 Rental Vehicle Excess Up to the amount specified in your rental vehicle agreement or $2,250, whichever is the lesser 6.1 Personal Liability Up to a maximum total limit of $2,250,000 Part D - Excesses and General Exclusions Excesses – What you contribute to a claim You must pay the following excess amounts for each claim made under the following covers even if a number of claims are submitted on the one claim form. However, if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Excess Amount 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) Nil 1.2 Overseas Emergency Medical $400 1.3 Overseas Emergency Dental (spontaneous toothache) $400 1.4 Hospital Cash Allowance Nil 1.5 Accidental Death Nil 1.6 Funeral Expenses Nil 2.1 Cancellation $400 3.1 Additional Expenses $400 3.2 Travel Delay Expenses Nil 3.3 Alternative Transport Expenses Nil 3.4 Return Home following the Death or Hospital Admission of a Relative Nil 4.1 Luggage $400 4.2 Travel Documents, Transaction Cards & Travellers Cheques Nil 4.3 Luggage Delay Nil 5.1 Rental Vehicle Excess $400 6.1 Personal Liability Nil General Exclusions The general exclusions below set out what is not covered. You should read each section as they contain specific exclusions that also apply. To the extent permitted by law, we do not cover you for any loss, damage or expense caused by, or arising from:

your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
your intentional self harm or your suicide or your attempted suicide;
a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions;
any expense arising from or in any way related to: • regular or routine antenatal care; • childbirth at any gestation (except when arising from an injury or sickness); • care of a newborn child; • the period after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); • pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover;
you not following an advice or warning that a reasonable person would have been aware of: • by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www. smartraveller.gov.au; or • which was published in a reliable mass media source.

25 26 7. flying other than when you are travelling as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon; 8. your participation in any dangerous activities or your exposure of yourself to danger during your journey unless in an attempt to preserve your life or the life of another person, such as: • scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; • mountaineering or rock climbing requiring the use of ropes and/or climbing equipment, racing (other than amateur racing on foot), white water rafting, white water boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off- piste snowboarding, snowmobiling; • motorcycle, moped, motorised scooter or quad bike riding during your journey unless you are the driver of a motorcycle, moped, motorised scooter or quad bike with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence (excluding learners licences) in Australia or a licence valid for the country you are travelling in if your Australian licence is not recognised in that country; • any other similar activity that a reasonable person would consider dangerous; 9. any kind of training for, coaching or competing in any sporting event during your journey, where you are entitled to receive, or are eligible to receive an appearance fee, wage, salary or prize money in excess of $1,000; 10. your claim arises from, or is caused, or is contributed to by an illegal or criminal act by you, your spouse, your dependants or any other person acting with your consent or under your direction; 11. your participation as a crew member or pilot of any transportation; 12. your or your travel companion’s failure to obtain a visa, a passport or a passport with a required minimum remaining validity; 13. the injury, illness or death of any person who is aged 85 years or over at the time you become eligible for cover under International Travel Insurance; 14. any expense arising from a pre-existing medical condition of any person including you, your travel companion or a relative. 15. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 16. changes in currency rates; 17. your failure to take reasonable care such as failure to wear appropriate safety equipment; 18. any epidemic or pandemic, unless your claim relates to you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic and cover is expressly included in the following sections: • 1.1 Overseas Emergency Assistance • 1.2 Overseas Emergency Medical • 2.1 Cancellation • 3.1 Additional Expenses; 19. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 20. a nuclear reaction or contamination from nuclear weapons or radioactivity; 21. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/ or create public fear; 22. Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations. This clause shall apply where such geographical location, provision of goods, services or other reasons shall contravene such sanction, embargo, prohibition or restriction.

27 28 Part E - The Cover Available In order to be sure that you are covered under this policy, where reasonable, you should always call us for approval before you incur certain expenses. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. Epidemics and Pandemics (such as COVID-19) If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available to you under the following sections: • 1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation) • 1.2 Overseas Emergency Medical • 2.1 Cancellation • 3.1 Additional Expenses If, during the period of cover available, your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover is available to you under the following sections: • 2.1 Cancellation • 3.1 Additional Expenses Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to Part D – Excesses and General Exclusions and the exclusions set out in each of the above sections. For example, you will not be covered if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic while travelling against an advice or warning issued by an Australian government and you did not take reasonable care to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning), refer to General Exclusions 6 and 17 in Part D for more information. Please note, this also applies even if the Australian government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling. For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover. Pre-existing medical conditions Please ensure that you read the definition of pre-existing medical condition in the section headed Definitions. No cover is available for any claims arising from, related to or associated with any pre-existing medical condition of any person including you, your travel companion or a relative. Pregnancy This International Travel Insurance may not be adequate for your needs if you are planning to travel beyond the 26 th week of your pregnancy. No cover is available for a child born during the period of cover available for your journey unless as a consequence of an injury or sickness (occurring during the period of cover available). If you are pregnant when you become eligible for cover, your pregnancy will be defined as a pre-existing medical condition however, any complications of your pregnancy arising from injury or sickness occurring after you became eligible will be covered by the Group Policy issued to the Bank except if you have had complications in your pregnancy before you became eligible for the cover available. If you fall pregnant after you become eligible, you will be entitled to the cover available arising from any complications of your pregnancy caused by injury or sickness. No cover is available for: • antenatal care; • childbirth at any gestation (except when arising from an injury or sickness); • care of a newborn child; • any expenses related to your pregnancy arising after the end of the 26 th week of your pregnancy (the 26 th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); • pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover. These provisions apply whether you fall pregnant naturally or as a result of medical assistance (such as, through IVF treatment).

29 30 Any pregnancy related expenses incurred during your journey after the end of the 26 th week of your pregnancy will not be covered by this insurance. As a guide to the cover available for pregnancy under the Group Policy issued to the Bank, including limitations and restrictions, please read through the table below. Your pregnancy Outcome a] You are not yet pregnant however, you are attempting to become pregnant or are undergoing fertility treatment. If you become pregnant after you became eligible, cover is available for any complication arising from an injury or sickness. No cover is available for the course of any treatment you are undergoing at the time your journey commences. b] You will require antenatal care during the period of cover available for your journey. No cover is available for antenatal care. c] You are pregnant and are undergoing a course of treatment at the time your journey begins. No cover is available for the course of treatment you are undergoing at the time your journey commences. Cover is available for medical expenses arising out of an injury. Cover is available for complications arising from sickness but not if you have had complications in your pregnancy before you became eligible for the cover available. d] You give birth naturally during the period of cover available for your journey. No cover is available either for the childbirth or care of the newborn child. Your pregnancy Outcome e] You travel beyond 26 weeks gestation and give birth while you are still overseas. No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy. f] You are injured or become sick during your journey and give birth as a consequence. Cover is available for medical expenses incurred for the treatment of your injury or sickness and the childbirth occurring as a consequence of the injury or sickness however, no cover is available for complications arising from sickness or a childbirth resulting from sickness if you have had complications in your pregnancy before you became eligible for the cover available. Emergency and medical services while overseas Please call emergency services immediately if your condition is life threatening. In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on +61 7 3305 7499. Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. Allianz Global Assistance’s team of medical professionals is available to you 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems which occur outside Australia. Allianz Global Assistance has access to a worldwide team of skilled doctors and medical professionals and provides the following services: • Access to medical advisers for emergency assistance and advice; • Emergency transportation to the nearest suitable hospital; • Emergency evacuation, if necessary;

31 32 • If requested by you, your family in Australia will be advised of your medical condition and be kept informed of the situation; • Payment guarantees to hospitals for reasonable medical expenses and cover verification; • Second opinions on medical matters; • Urgent message service and emergency travel planning. Travelling overseas You do not have to tell us or the Bank that you will be travelling. Provided you meet the eligibility criteria (see Part A

Eligibility for Cover) and comply with the terms and conditions of this insurance, you will be entitled to the benefits of the cover available. You must take all reasonable precautions to safeguard your belongings. For example, leaving your belongings unsupervised, leaving them behind or walking away from them in a place the public has access to encourages theft and are not reasonable precautions. You must take all reasonable steps to safeguard your own safety and follow the advice and heed the warnings of any government or government agency and any official body and heed warnings broadcast in the mass media. Make sure you can access this booklet when travelling overseas as it contains important phone numbers and details of the cover available, together with copies of your card account statement or transaction listing to establish that you gained your eligibility for cover in accordance with the criteria set out in the section headed Part A - Eligibility for Cover. In the event you wish to make a claim under the cover available (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. Without this information, a claim may be delayed, and it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance. Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to: • Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship. • Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling. • Riding a motorcycle, moped or motorised scooter with an engine capacity of 200cc or less provided you are the driver (as opposed to riding as a passenger), and you hold the appropriate class of license (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not recognised in that country, and are wearing an appropriate safety helmet at all times. Riding as a passenger is not covered by the Group Policy. Please refer to General Exclusions 7 and 8 on page 25 for information on activities that are excluded. SECTION 1.1 OVERSEAS EMERGENCY ASSISTANCE (including Medical Evacuation and Repatriation) Allianz Global Assistance will help you with any overseas emergency (also see Emergency and medical services while overseas above). You may contact Allianz Global Assistance 24 hours a day, 7 days a week. 1.1.1 ALLIANZ GLOBAL ASSISTANCE WILL ARRANGE If while overseas, during the period of cover available, you injure yourself or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19), provided the relevant injury or sickness is covered by the Group Policy, Allianz Global Assistance will arrange for the following assistance services: a] access to a medical adviser for emergency medical treatment while overseas; b] any messages which need to be passed on to your family or employer in the case of an emergency; c] provision of any written guarantees for payment under Section 1.2 - Overseas Emergency Medical of medical expenses incurred while overseas; d] advice and assistance with emergency travel planning.

33 34 MEDICAL EVACUATION AND REPATRIATION If while overseas during the period of cover available for your journey, you injure yourself or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19), and the relevant injury or sickness is covered by this Group Policy, Allianz Global Assistance will: e] pay the reasonable cost of your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to your home on the reasonable advice of a medical adviser; and f] provide written guarantees for payment of reasonable expenses for medical evacuation and repatriation. 1.1.2 WHAT WE EXCLUDE

To the extent permitted by law, we will not be responsible for costs and expenses that you would not have incurred had you followed reasonable medical advice. This includes any medical, hospital, evacuation or repatriation expenses incurred when you did not follow the reasonable medical advice;
To the extent permitted by law, we will not pay for any expenses for medical evacuation or repatriation unless it has been first approved by Allianz Global Assistance, for which approval will not be unreasonably withheld or delayed. Please contact Allianz Global Assistance to confirm approval for these costs. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced;
To the extent permitted by law we will not pay for any amounts relating to your Personal Safety Evacuation if: a] your claim arises directly or indirectly from you violating the laws or regulations of the country you are in; b] you failing to obtain, maintain or produce to the authorities in the country you are in any immigration permit, visa or similar authorisation; c] your claim arises directly or indirectly from any commercial or contractual dispute; d] any of the events that caused your evacuation were in existence or had occurred, or the occurrence was reasonably foreseeable before you entered the country or region from which you were evacuated; e] the events that caused your evacuation were due to an act or threat of terrorism. SECTION 1.2 OVERSEAS EMERGENCY MEDICAL 1.2.1 WHAT WE COVER If you injure yourself overseas or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) while overseas, during the period of cover available for your journey, we will reimburse the reasonable medical expenses you incur until you get back to Australia provided that the relevant injury or sickness is covered by this insurance. The medical expenses must have been for treatment given or prescribed by a medical adviser. If you are prevented from returning home because of a sickness or injury that is covered, we will only pay for medical expenses incurred during the 12 consecutive month period after the sickness was first diagnosed or the injury happened. If, after assessment of your claim, the reasonable medical advice is that you should return to Australia for treatment and you do not agree to do so, we will pay you a reasonable amount up to the limit shown in Part C

Benefit Limits - 1.2 Overseas Emergency Medical, which we consider to be equivalent to: • your medical expenses incurred overseas to the date that Allianz Global Assistance would have been able to reasonably facilitate your return to Australia; plus • the reasonable amount it would cost to return you to your home; plus • the non-refundable portion of unused travel and accommodation arrangements you would have incurred had you followed the reasonable advice of Allianz Global Assistance. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for and your cover for any additional events will end.

35 36 1.2.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for medical expenses: a] that you would not have incurred had you followed the reasonable advice of Allianz Global Assistance; b] if you have received care under a Reciprocal Health Care Agreement; c] relating to dental treatment involving the use of precious metals or for cosmetic dentistry; d] for dental treatment caused by or related to the deterioration and/or decay of teeth; e] for preventative dental treatment; f] any payment which would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or any other applicable legislation (whether in Australia or not). g] when you have not notified Allianz Global Assistance as soon as reasonably practicable of your admittance to hospital; h] incurred after two consecutive weeks treatment by a chiropractor, physiotherapist or dentist, unless approved by Allianz Global Assistance SECTION 1.3 OVERSEAS EMERGENCY DENTAL (SPONTANEOUS TOOTHACHE) 1.3.1 WHAT WE COVER If, during the period of cover available for your journey, you suffer sudden and acute pain (spontaneous toothache) to natural teeth (including natural teeth with a filling, cap or crown) that is not an injury or sickness covered under Section 1.2 - Overseas Emergency Medical, we will cover you for the cost of necessary emergency dental treatment to treat the sudden and acute pain, up to the limit specified in Part C - Benefit Limits - 1.3 Overseas Emergency Dental (Spontaneous Toothache). 1.3.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for expenses: a] if you have received care under a Reciprocal Health Care Agreement; b] relating to dental treatment involving the use of precious metals or for cosmetic dentistry; c] relating to repair or replacement to existing dentures, dental prostheses, or bridges; d] for dental treatment caused by or related to the deterioration and/or decay of teeth; e] for routine or preventative dental treatment. SECTION 1.4 HOSPITAL CASH ALLOWANCE 1.4.1 WHAT WE COVER If, during the period of cover available for your journey, you are admitted to hospital overseas for a continuous period of more than 24 consecutive hours as a result of an injury or sickness, then we will pay you the benefit specified in Part C - Benefit Limits - 1.4 Hospital Cash Allowance for each day in excess of 24 consecutive hours that you continue to be a hospital inpatient. 1.4.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay if you cannot claim for medical expenses connected with the hospital admission under Section 1.2 Overseas Emergency Medical. SECTION 1.5 ACCIDENTAL DEATH 1.5.1 WHAT WE COVER If, during the period of cover available for your journey; a] you are injured and you die because of that injury within 12 consecutive months of the injury; or b] something you are travelling on or in disappears, sinks or crashes and your body is not found within 12 consecutive months and you are presumed dead, we will pay the benefit specified in Part C - Benefit Limits

1.5 Accidental Death, to your estate. SECTION 1.6 FUNERAL EXPENSES 1.6.1 WHAT WE COVER If, during the period of cover available for your journey you die from a cause that is not excluded, we will pay for your reasonable funeral expenses incurred overseas or the reasonable cost of bringing your remains back to your home. The maximum amount we will pay is specified in Part C - Benefit Limits - 1.6 Funeral Expenses.

37 38 1.6.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for any expenses, or any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home. SECTION 2.1 CANCELLATION 2.1.1 WHAT WE COVER If after you have met the eligibility criteria set out in Part A - Eligibility for Cover, including having a return overseas travel ticket and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for any of the following events which are unexpected and unforeseen by you and outside your control: • you or your travel companion is seriously injured or becomes seriously ill (including if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which reasonably prevents you from travelling); • your or your travel companion’s relative living in Australia dies, is seriously injured or becomes seriously ill (except when caused by a pre-existing medical condition); • your arranged travel is cancelled or delayed by the carrier because of mechanical breakdown of your means of transport, riots, strikes, civil commotion (but not an act of terrorism), weather conditions or natural disasters; • there is a natural disaster, or a natural disaster has recently happened or is reasonably expected to happen either at your destination or at your or your travel companion’s normal residence in Australia; • a special event is cancelled or postponed; • you or your travel companion are quarantined (except when arising from an epidemic or pandemic); • your or your travel companion’s home is totally destroyed; • you or your travel companion are subpoenaed to attend court in Australia (after having purchased your return overseas travel ticket) on a date falling during the period of cover available for your journey; • you or your travel companion are retrenched or made redundant (not including voluntary retrenchment or voluntary redundancy); • you or your travel companion having to sit exams during the period of cover available for your journey, for studies either of you are undertaking, provided that you or your travel companion had no prior knowledge of the date of the exam before you obtained your return overseas travel ticket; • your or your travel companion’s employer cancelling your or your travel companion’s prearranged leave provided you or your travel companion are a full-time employee of the police, fire, ambulance, defence or emergency services. If any of the events listed above which were unexpected and unforeseen by you and outside of your control occur, we will reimburse you: Unused travel and accommodation arrangements a] the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover available for your journey, that you have paid in advance of cancellation or disruption and cannot recover in any other way, limited to the maximum total limit specified in Part C – Benefit Limits – 2.1 Cancellation. Travel agent’s fees b] your travel agent’s cancellation fees and any commission or service fees retained by your travel agent, limited to the amount of commission or service fees that your travel agent would have earned had your journey not been cancelled or the amount specified in Part C – Benefit Limits – 2.1.1 b] Travel agent’s fees, whichever is the lesser. Frequent flyer, airmiles, loyalty points & redeemable vouchers c] for the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for or obtained with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows:

39 40 • for frequent flyer points, air miles or loyalty card points: – the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking, multiplied by – the total number of points or air miles lost, – divided by the total number of points or air miles used to make the booking. • for vouchers, the face value of the voucher. If there is no face value on the voucher, we will pay the market value. Rescheduling your journey d] your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under sub-sections 2.1.1 a),2.1.1 b) and 2.1.1 c) had your journey been cancelled. We will not pay a claim under sub-section 2.1.1 d) in addition to a claim under sub-sections 2.1.1 a), 2.1.1 b) and 2.1.1 c) for the same or similar services/facilities. CONDITIONS If you want to claim under the cover available, you should do the following as soon as reasonably possible after the happening of the unexpected event causing your claim: • cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover available for your journey that you are now unable to use; and • recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey, you should tell us as soon as reasonably possible. For more information, see under the heading Claims or call the contact number shown on the inside front cover of this booklet. If you unreasonably fail to cancel your pre-arranged travel and accommodation arrangements and we are prejudiced by your delay or failure, we may reduce any amount payable by the amount of prejudice we have suffered. If your claim is related to your fitness to travel, you should provide us with written confirmation from a medical adviser. 2.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay your claim if: a] you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover available, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b] caused by you or your travel companion changing plans; c] caused by any business, financial or contractual obligations which prevent you or your travel companion from travelling. This exclusion does not apply to claims where you or your travel companion are retrenched or made redundant in Australia except where a reasonable person in a similar situation would have been aware before you became eligible for cover that the retrenchment or redundancy was to occur; d] a tour operator or wholesaler is unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements scheduled to be used during the period of cover available for your journey, which do not form part of the tour; e] caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; f] caused by financial default or financial collapse of a services provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal; g] caused by an act of terrorism.

41 42 SECTION 3.1 ADDITIONAL EXPENSES 3.1.1 WHAT WE COVER Additional travel & accommodation expenses due to your incapacity a] If you cannot continue your journey because of an injury or sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) that is covered by this insurance, which occurs during the period of cover available for your journey and needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses. Emergency travel & accommodation expenses for a necessary companion b] If during the period of cover available for your journey, you are admitted to hospital suffering from a life threatening or other serious condition covered by this insurance we will reimburse the reasonable travel and accommodation expenses for a relative or friend to travel to you, stay near you or escort you. The relative or friend must travel to you, stay near you or escort you on the written advice of your treating medical adviser and with the prior written approval of Allianz Global Assistance for which approval will not be unnecessarily withheld or delayed. Please contact Allianz Global Assistance for approval of these costs. Otherwise we may reduce the amount payable for your claim to the extent we are prejudiced. Additional travel & accommodation expenses due to your travel companion’s incapacity c] If your travel companion cannot continue their journey because of an injury or sickness (including if your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) which occurs during the period of cover available for your journey and which needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses for you to remain with your travel companion. Please contact Allianz Global Assistance for approval of these costs. No cover is available for a claim arising from any pre- existing medical condition of your travel companion. Expenses due to your repatriation or evacuation home d] If, during the period of cover available, you shorten your journey and return to your home due to a covered event on the advice of your treating medical adviser and with the approval of Allianz Global Assistance, we will reimburse the reasonable additional cost of your return to your home. You must make use of any pre-arranged return travel to your home. Where reasonably practicable, please contact Allianz Global Assistance for approval before incurring these costs. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. Such approval will not be unreasonably withheld or delayed. Repatriation of dependants left without supervision e] If your dependants are left without supervision following your hospital admission or evacuation during the period of cover available for your journey, we will pay the reasonable additional travel and accommodation expenses incurred to return them to Australia, including the travel and accommodation expenses of an escort if agreed to by Allianz Global Assistance. Please contact Allianz Global Assistance for approval of these costs. Such approval will not be unreasonably withheld or delayed. Additional travel & accommodation expenses due to specified events f] In addition, if during the period of cover available a disruption to your journey arises from: • your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; • you unknowingly break any quarantine rule (but not a quarantine rule applying to an epidemic or pandemic); • you lose your passport, travel documents or transaction cards or they are stolen; or • your home being rendered uninhabitable by fire, explosion, earthquake, or flood, we will reimburse your reasonable additional travel and accommodation expenses. Please contact Allianz Global Assistance for approval of these costs.

43 44 Such approval will not be unnecessarily withheld or delayed. Whenever claims are made by you under this section and Section 2.1 Cancellation for cancelled services/ facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. 3.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay your claim: a] if you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before you became eligible for the period of cover available, that may cause your journey to be cancelled, disrupted or delayed; b] arising from a pre-existing medical condition of you, your travel companion or a relative; c] if you can recover your additional travel and accommodation expenses from someone else, for example, an airline or tour provider; d] if caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; e] for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement. SECTION 3.2 TRAVEL DELAY EXPENSES 3.2.1 WHAT WE COVER If a delay to your journey, for at least 6 consecutive hours, arises from circumstances outside your control during the period of cover available, we will reimburse the cost of your reasonable additional meals and accommodation expenses. We will pay up to the amount specified in Part C - Benefit Limits - 3.2 Travel Delay Expenses at the end of the initial 6 consecutive hour period. 3.2.2 WHAT WE EXCLUDE We will not pay if a delay to your journey arises: a] from an act of terrorism; or b] due to the financial default or financial collapse of a service provider with whom you make a booking or the financial default or financial collapse of any company, organisation, or person with whom they deal. SECTION 3.3 ALTERNATIVE TRANSPORT EXPENSES 3.3.1 WHAT WE COVER If during the period of cover available for your journey, your journey is interrupted by any unforeseen and unexpected cause outside of your control and that means you would not arrive at a special event on time, we will pay your reasonable additional travel expenses up to the amount specified in Part C - Benefit Limits - 3.3 Alternative Transport Expenses to enable you to arrive on time. 3.3.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay if your scheduled transport is cancelled, delayed, shortened, or diverted: a] due to an act of terrorism; or b] due to the financial default or financial collapse of a service provider with whom you make a booking or the financial default or financial collapse of any company, organisation, or person with whom they deal. SECTION 3.4 RETURN HOME FOLLOWING THE DEATH OR HOSPITAL ADMISSION OF A RELATIVE 3.4.1 WHAT WE COVER If, during the period of cover available for your journey, your relative who is resident in Australia and who is aged under 81 years at the time you become eligible for cover, dies unexpectedly or is hospitalised due to a serious illness, injury or sickness diagnosed while you are on your journey, we will reimburse the reasonable additional cost of your early return to your home. Where reasonably practicable, please contact Allianz Global Assistance for approval before incurring these costs. Otherwise, we may reduce the amount payable for your claim to the extent we are prejudiced. Such approval will not be unreasonably withheld or delayed.

45 46 The most we will pay under this sub-section is up to the limit shown in Part C – Benefit Limits – 3.4 Return Home Following The Death or Hospital Admission of a Relative. SECTION 4.1 LUGGAGE You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). 4.1.1 WHAT WE COVER a] If, during the period of cover available for your journey, the following covered items or valuables: • baggage, clothing or personal valuables; • portable electrical equipment, laptop computers and associated equipment/accessories, binoculars, cameras and associated equipment/ accessories; are stolen, accidentally damaged or are permanently lost, except when: • left in a vehicle (see sub-section 4.1.1 b] below); or • are valuables left in a vehicle or checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see sub-section 4.1.1 c] below); or • is sporting equipment while in use (see sub- section 4.1.1 d] below). The amount we will pay will be the lesser of: • the depreciated value after allowing for age, wear and tear (see the Depreciation section for details); • the original purchase price; • the replacement cost; or • the repair cost. We will not apply depreciation to any item we pay for where less than 12 consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is: • up to the item limit specified in Part C - Benefit Limits - 4.1 Luggage for covered items or valuables. A pair or related set of items, for example (but not limited to): • a camera, lenses (attached or not), tripod and accessories; • a matched or unmatched set of golf clubs, golf bag and buggy; or • a matching pair of earrings, are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. For the avoidance of any doubt, cover is provided for: • theft of, accidental damage to, or permanent loss of dentures or dental prostheses whilst you are not wearing them; • theft of, accidental damage to, or permanent loss of your covered items (except valuables) while they are left in a locked storage facility and if there is forced entry into the locked storage facility; • the cost of a medical consultation fees you incur to replace prescription medication which is accidentally lost, stolen or accidentally damaged, together with the replacement cost of the medication. b] Covered items specified in 4.1.1 a] that are left in a vehicle during the period of cover provided for your journey are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is up to the total amount specified in Part C - Benefit Limits - 4.1.1 b] Luggage for all covered items stolen from a locked vehicle. c] No cover is available for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip. However, cover will be available for loss theft or accidental damage to laptops, tablets and

47 48 mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. d] No cover is available for sporting equipment while it is in use. CONDITIONS If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is 10% of the limit shown for that type of item in the Part C - Benefit Limits

4.1 Luggage. Where reasonably practical, we expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you unreasonably delay or fail to make a report and we are prejudiced by your delay or failure, we may reduce the amount payable for your claim to the extent we are prejudiced. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. 4.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay a claim in relation to your covered items and valuables if: a] the loss, theft or damage is to, or of, covered items or valuables left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi, ride share or bus; b] the covered items or valuables were being sent unaccompanied by you or under a freight contract; c] the loss or damage arises from any process of cleaning, repair or alteration; d] the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e] the covered item or valuable disappears in circumstances that cannot be reasonably explained; f] your claim arises from a government authority confiscating, detaining or destroying anything; g] you do not take all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them; h] the covered item or valuable has electrical or mechanical breakdown or an inherent defect that is known or could reasonably be known by you; i] the covered item or valuable is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; or j] the loss or damage arises from scratches occurring to lenses or screens of covered items or valuables however caused. SECTION 4.2 TRAVEL DOCUMENTS, TRANSACTION CARDS & TRAVELLERS CHEQUES 4.2.1 WHAT WE COVER If during the period of cover available for your journey: Re-issue or replacement cost a] any essential travel documents (including passports), transaction cards or travellers cheques are lost by you, stolen from you or destroyed, then we will pay the issuer’s fees or the replacement costs (including communication costs) of the items lost, stolen or destroyed.

49 50 Fraudulent use b] your transaction cards or travellers cheques are lost or stolen, then we will pay for any loss resulting from the fraudulent use of the transaction cards or travellers cheques. The most we will pay is up to the limit specified in Part C - Benefit Limits - 4.2 Travel Documents, Transaction Cards & Travellers Cheques. CONDITIONS Where reasonably practicable, we expect you to report any loss or theft to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you unreasonably delay or fail to make a report and we are prejudiced by your delay or failure, we may reduce the amount payable for to the extent we are prejudiced. 4.2.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay: a] if your loss arises from your failure to comply with the recommended security guidelines for the use of travellers cheques or transaction cards; or b] for any amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques. SECTION 4.3 LUGGAGE DELAY 4.3.1 WHAT WE COVER If, during the period of cover available for your journey any of your covered items are delayed, misdirected or misplaced by the carrier for more than ten (10) consecutive hours, we will reimburse you for the reasonable costs you incur for you to purchase essential items of clothing or other personal items, up to the amount specified in Part C - Benefit Limits - 4.3 Luggage Delay. CONDITIONS You should make reasonable efforts to obtain confirmation from the carrier who was responsible for your covered items, confirming that your items were delayed, misdirected or misplaced as this may be the easiest way to provide evidence of the delay. We will deduct any amount we pay you under this section from any subsequent claim you make for lost covered items payable under Section 4.1 Luggage. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of cover available. SECTION 5.1 RENTAL VEHICLE EXCESS Cover is only available under this section if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stole while in your custody. This cover may not provide cover for items, such as but not limited to, tyres, rims, windscreens, glass, roof and/or underbody if damage to these items is in addition to the specific amount shown in your rental vehicle agreement that you are responsible to pay for damage or theft.. 5.1.1 WHAT WE COVER Rental vehicle accident/theft If, during the period of cover available, a rental vehicle you have rented from a rental company or agency is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody, then we will pay you the lesser of: • the cost of property damage for which you are liable • the amount specified that you must pay under your rental vehicle agreement; or • the limit shown in Part C - Benefit Limits - 5.1 Rental Vehicle Excess. CONDITIONS To support your claim, you will need to take reasonable steps to provide:

51 52 • your rental vehicle agreement; • the incident report that was completed; and • written confirmation from the rental company or agency of the amount for which you are liable. You may also need to provide: • the repair account and invoice from the motor vehicle repairer (if available to you); and • an itemised list of the value of the damage. 5.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay for a claim that arises directly or indirectly from, or is in any way connected with, or is for: a] you using the rental vehicle in breach of the rental agreement; b] you using the rental vehicle without a licence for the purpose that you were using it (such as but not limited to the carrying of passengers or freight); or c] administrative charges or fees of the rental company that are not a component of the amount payable specified in your rental vehicle agreement. SECTION 6.1 PERSONAL LIABILITY 6.1.1 WHAT WE COVER If you become legally liable to pay compensation for negligently causing: • death or bodily injury; or • physical loss of, or damage to property, that happens during the period of cover available for your journey, then we will cover you up to the limit shown in Part C - Benefit Limits - 6.1 Personal Liability, for: • the compensation (including legal costs) awarded against you; and • any reasonable legal costs incurred by you for settling or defending a claim made against you, provided you have approval in writing from Allianz Global Assistance before incurring these costs. Please contact Allianz Global Assistance to confirm approval for these costs. CONDITIONS We should be told as soon as you or your personal representatives are, or a reasonable person in your circumstances would have been, aware of a possible prosecution, inquest, fatality, accident or incident which might lead to a claim against you. You should not pay or promise to pay, settle with, admit, or deny liability to anyone who makes a claim against you without our written consent. If you do, we may reduce or refuse your claim to the extent we are prejudiced. To ensure you are covered, please contact Allianz Global Assistance before incurring any liability costs or expenses. 6.1.2 WHAT WE EXCLUDE To the extent permitted by law, we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for: a] bodily injury to you, your travel companion or to a relative or employee of any of you; b] loss of or damage to property belonging to you, or in your care, custody or control (unless the property is a residence and you occupy it during the period of cover available for your journey as a tenant or lessee, or temporary guest); c] your ownership, custody, control or use of any firearm or weapon; d] your ownership, control or use of a motorised vehicle, an aircraft, or a watercraft (other than a non-motorised watercraft used on inland waterways) however, if you do not own or control the vehicle, aircraft or watercraft and are only using it as a passenger, this exclusion does not apply; e] your conduct of, or employment in any business, profession, trade or occupation; f] any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy or compensation scheme or fund, or under Workers Compensation legislation, an industrial award or agreement, or Accident Compensation legislation; g] any fine or penalty, or aggravated, punitive, exemplary or liquidated damages; h] any relief or recovery from you other than monetary amounts; i] a contract that imposes on you a liability which you would not otherwise have;

53 54 Claims How to make a claim Please do not contact the Bank in the event of a claim. First check that you are entitled to claim by reading the appropriate section in this booklet, especially Part D of that section, to see exactly what is, and is not covered, noting any applicable terms, conditions, exclusions, limits and sub-limits. Allianz Global Assistance administers the benefits available under the Group Policy. You should give Allianz Global Assistance notice of your claim as soon as reasonably possible. In order to be sure that any expenses you claim are covered by the Group Policy you should always, when reasonably practicable, contact Allianz Global Assistance for approval before you incur expenses you wish to claim. Otherwise, we may reduce the amount payable for your claim to the extent we’re prejudiced. You are not covered for any claim made after termination of, or the expiry of, the period of insurance specified in the Group Policy. The Bank will provide you with details of any replacement cover. You can lodge your International Travel Insurance claim online at claimmanager.com.au. Allianz Global Assistance will consider your claim within 10 business days of receiving a completed claim form and all reasonably requested documentation. If they need additional information, a written notification will be sent to you within 10 business days. If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we may reduce the amount payable for your claim to the extent we are prejudiced. You should take all reasonable steps to give any information Allianz Global Assistance reasonably asks for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required, Allianz Global Assistance may ask you to provide them with translations into English of any such documents to enable their consideration of your claim. j] assault and/or battery committed by you or at your direction; k] any act intended to cause bodily injury, property damage or liability done by you or any person acting with your knowledge, connivance or consent; l] illness, sickness or disease that is transmitted by you.

55 56 You should take all reasonable steps to co-operate in relation to providing supporting evidence and such other information that may reasonably be required. In particular: • If you think that you may have to cancel your journey or shorten your journey, you should tell us as soon as reasonably possible. Contact Allianz Global Assistance using the contact number, or if overseas the 24-hour Emergency Assistance number, shown inside the front cover of this booklet; • In the event of an emergency or admission to hospital overseas or for medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable; • For loss or theft of your covered items or valuables, you should as soon as reasonably practical report it to the police and obtain confirmation of your report. If you unreasonably delay or fail to make a report, we may reduce or refuse your claim to the extent we are prejudiced; • For damage or misplacement of your covered items or valuables, caused by the airline or any other operator or accommodation provider, report the damage or misplacement as soon as reasonably possible to an appropriate official and make reasonable efforts to obtain a written report, including any offer of settlement that they may make. Depreciation When taking into consideration the age of a covered item or valuable we will deduct the following amounts from our settlement for each item you have claimed: • For toiletries and medication (including skin care, makeup, perfume, deodorant and aftershave) we will deduct 50% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For mobile phones, smart phones, electrical devices, communication devices, all computers (including laptops and tablets), photographic equipment and electronics equipment we will deduct 20% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For clothing, footwear, luggage and books we will Claims are payable in Australian dollars We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Payment will be made by direct credit to a bank account nominated by you. Recovery If we have a claim against someone in relation to the money we have to pay or we have paid, you must take reasonable steps to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you must take reasonable steps to inform us of such third party. When making a claim you For example You have a $500 digital camera that was purchased 2 years before the date it was lost. The applicable rate of depreciation would be 20% per year. In settlement of your claim we would pay you $300 (i.e. we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows: Year 1 - Purchase price of $500 less 20% ($100) = $400 Year 2 - Depreciated value of $400 less 20% of the purchase price ($100) = $300 deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 10% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For jewellery we will not make any deduction. Please note, watches are not considered jewellery and are included under other items below; • For all other items we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%.

57 58 should tell us about any other insurance under which you are or might be able to claim. If you can claim from another insurer and we also pay you in respect of the same insured event, then you will be required to refund to us the amount we paid if the other insurer also pays you. You cannot claim from us and from the other insurer to obtain an aggregate amount that exceeds your loss. If during the period of cover made available, you suffer a loss which is not fully covered by the Group Policy, we may offer to attempt to recover your uninsured loss for you. You may specifically ask us to recover this for you, however, we have no obligation to do so. You will need to give us documents supporting your loss. Before we include any uninsured loss in a recovery action we will also ask you to agree to the basis on which we will handle your uninsured recovery action. You may need to contribute to legal costs in some circumstances. We will apply any money we recover from someone else under a right of subrogation in the following order:

to us, our costs (administration and legal) arising from the recovery.
to us, an amount equal to the amount that we paid to you under your policy.
to you, your uninsured loss.
to you, your excess. Once we pay your total loss we will pay you the balance of any money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you. How GST may affect your claim If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. Fraud When making a claim you have a responsibility to assist us and to act in an honest and truthful manner. If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in this booklet, then no payment will be made in regard to the claim. Also, the Bank will be informed of the situation, and you may no longer be eligible for the cover described in this booklet. Complaints and Disputes If you are dissatisfied with our service in any way, please contact us and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. If we do not make a decision within the period that we tell you we will respond, we will tell you about your right to lodge a complaint with an external dispute resolution scheme. If you are not happy with our response, you can refer your complaint to AFCA subject to its terms of reference. AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. AFCA’s contact details are: The Australian Financial Complaints Authority Online: www.afca.org.au Phone: 1800 931 678 Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001 For more information on how we handle complaints you can request a copy of our procedures, using our contact details on the inside front cover of this booklet. General Insurance Code of Practice The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the code. You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this booklet. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au compliance with the code.

INGDIRNACITI 10/24 IMP3522 Claims and enquiries Within Australia: 1800 754 190 Monday to Friday: 8am to 7pm AEST 24-Hour Emergency Assistance Within Australia: 1800 010 075 From overseas: +61 7 3305 7499 Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Source: https://www.ing.com.au/pdf/OrangeOne/OrangeOneCashbackTermsAndConditions.pdf

Terms and Conditions. Orange One Rewards Platinum – Cashback. 22 June 2026

2 Eligible spend

Cashback Rewards Orange One Rewards Platinum enables Cashback to be earned on every dollar spent on qualifying purchases using the Orange One Rewards Platinum Credit Card.  1.1 Cashback Rewards is available on the Orange One Rewards Platinum Credit Card only.
Eligible spend  2.1 You will earn 1% Cashback for purchases made, up to a maximum of $30 per month per Account (other than purchases or transactions detailed in clause 4 below).  2.2 Any purchases made by an Additional Cardholder will be eligible for Cashback, providing the maximum has not been reached (which is calculated across all cards) – note that rewards earned by Additional Cardholders will be credited to the primary cardholder’s reward balance.
Cashback redemption  3.1 Cashback will be calculated monthly and will usually be paid to your Autopay Account one calendar day after the Due Date.  3.2 Cashback paid in the last statement period can be found on your statement of account.  3.3 Cashback redemption does not affect calculation or payment of your Minimum Repayment, which continues in accordance with the Orange One Terms and Conditions.
Ineligible transactions Cashback will not be payable for any: (a) Cash Advances; or (b) Amounts that are subsequently re-credited to your Account by way of refunds. Any purchases refunded to your Account will be removed from the total of your eligible cashback balance; or

3 (c) Spending which, in any one month, exceeds your Credit Limit; or (d) BPAY transactions 5. Default Cashback may be suspended and not earned: (a) If your Account is in arrears; or (b) If you exceed your Credit Limit; or (c) If you do not have an active Autopay Account for the Cashback to be paid into; or (d) If you enter into an arrangement with your creditors or are made bankrupt. We also reserve the right to suspend Cashback for breaches of the Orange One Terms and Conditions, in circumstances where, in our reasonable opinion, it is appropriate to do so. 6. General  6.1 You will not earn Cashback if your Account or Autopay Account is closed or suspended (except where your card is lost or stolen). This includes any qualifying purchases that occurred in the last statement period in which you closed your Account or Autopay Account.  6.2 We have no obligation to award Cashback for any reason outside of the qualifying purchases and we may remove or cancel any or all Cashback if we determine that it was awarded in error.  6.3 We may at any time vary any of these terms and conditions, including the rate at which Cashback is paid, the maximum Cashback earn per month, redemption method, or withdraw the Cashback scheme by giving you 30 days advanced notice. Any change will be due to business, legal or operational reasons. If we change the way in which we calculate Cashback this will not affect the calculation in relation to any purchases you have made before the change takes effect.  6.4 Cashback payments may have a tax implication. Please seek your own independent advice.

4 7. Interpretation In this document: Account means the account accessed by your Orange One Rewards Platinum Credit Card Additional Cardholder means any other person issued with an Orange One Rewards Platinum Credit Card for use on your Account Autopay Account means the account you hold with us, other than the Account, you nominated to be linked to your Account Cash Advance means a transaction on the Account which ING or Visa identifies as a cash advance. This may include transactions where you or an Additional Cardholder: • withdraw physical cash (for example, an ATM withdrawal), • purchase items that we consider are similar to cash (for example, foreign currency, traveller’s cheques, stored value cards or cryptocurrency), • transfer funds to another account, stored value card or digital wallet, or • pay for gambling or gaming services. Cashback means the cashback earnings described in clause 2.1, and calculated and paid in accordance with clause 3.1 Cashback Rewards means the ability to earn cashback rewards on qualifying purchases using the Orange One Platinum Credit Card Credit Rewards Limit means the current maximum amount of credit that may be obtained through your Account Contact Centre means our customer service representatives available on 133 464. For contact hours, please visit ing.com.au Due Date means the date specified as such in your statement of account Minimum Repayment means the amount specified as such in your statement of account

5 Orange One Rewards Platinum Credit Card means any Visa credit card we issue to you or an Additional Cardholder to access the Account Orange One Terms and Conditions means the Orange One Terms and Conditions document, containing the terms and conditions of the contract for the Account

For the curious: Information in this booklet is current as at the time of printing and is subject to change. Products and this Terms and Conditions booklet are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823, Australian Credit Licence 229823. ING is a Registered Trademark of ING Groep N.V. BPAY® is a Registered Trademark of BPAY Pty Ltd ABN 69 079 137 518. ING CC00019 05/26 Visit ing.com.au Call 133 464 For contact hours, please visit ing.com.au Alternatively you can send mail to GPO Box 4094 Sydney NSW 2001 Connect with us X Facebook YouTube Blog Get in touch

Source: https://www.ing.com.au/pdf/SUP00009_POA_0915_WEB_SEC.PDF

Page 1 of 5 | ING 136 | 11/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 ING client number Date of birth (DD/MM/YYYY) / / Mr Mrs Ms Other First name Middle name Surname Place of birth Country of birth Nationality A scanned certified copy of a Power of Attorney Document. Please Note: This may be an enduring or general power of attorney document. Where the account holder is in Victoria, it may also be a supportive attorney appointment document. A scanned certified copy of an identification document of the Attorney(s) being appointed  Refer Appendix A Note: If any Attorney(s) have been appointed jointly, the above documents must be provided for EACH Attorney. Please Note: Should we need to contact the account holder, and for medical reasons the account holder cannot be verbally validated, the following documentation will need to be provided: A scanned certified copy of a Medical Certificate confirming that the account holder cannot verbally validate that they are appointing an Attorney. About this form Use this form to lodge a Power of Attorney with us and to let us know of an attorney’s details. If you wish to lodge a Power of Attorney with Diversa Trustees Limited for your Living Super account/s, you will need to complete a separate “Living Super Power of Attorney details” form available from the Living Super section of the ING website. Please note: Attorneys can only manage transactions (whether financial or non- financial) by calling ING on 133 464 or writing to ING, Reply Paid 2682, Sydney NSW 2001 (no stamp required). They won’t be able to do so using phone banking, online banking or our app. When completing this form please: • use CAPITAL letters • mark boxes with an X where applicable • use black pen. Return to: Please mail this form and the supporting documentation to us at: ING Reply Paid 2682 Sydney NSW 2001 (no stamp required) Scanned certified copies of documents can be emailed to: customer.correspondence.au@ing.com Power of attorney details form Step 1: Account holder's details Step 2: What you will need to send us with this completed form

Page 2 of 5 | ING 136 | 11/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Attorney 1 Mr Mrs Ms Other First name Middle name Surname Mandatory security details Date of birth (DD/MM/YYYY) / / Place of birth Country of birth Nationality Mother’s maiden name (mother’s original surname/family name) Residential address (PO Boxes not accepted) Unit number Street number Street name Suburb State Postcode Contact details (You must provide at least one phone number) Mobile phone number Other phone number (for landline, please provide area code) Email Please provide your ING client number if you are an existing ING client. Attorney 2 (if applicable) Mr Mrs Ms Other First name Middle name Surname Mandatory security details Date of birth (DD/MM/YYYY) / / Place of birth Country of birth Nationality Mother’s maiden name (mother’s original surname/family name) Residential address (PO Boxes not accepted) Unit number Street number Street name Suburb State Postcode Contact details (You must provide at least one phone number) Mobile phone number Other phone number (for landline, please provide area code) Email Please provide your ING client number if you are an existing ING client. By signing below, I/We declare that: a) I am/we are the attorney(s) identified in the Power of Attorney; b) I am/we are authorised by the Power of Attorney to operate the account(s) held by the Account Holder on their behalf; c) I/we have not received notice of revocation of the Power of Attorney and I/we make these declarations at the time of signing this form and each time I/we operate, access or conduct any activity in relation to the Account Holder’s account(s); d) I/we undertake to advise ING in writing immediately upon receiving notice of any amendment, limitation or cancellation affecting the Power of Attorney; e) I am/we are at least 18, not insolvent under administration, I/we have not been convicted or found guilty of an offence involving dishonesty and if the Account Holder is in Victoria, I am/we are not a care worker or health provider or an accommodation provider for the Account Holder; f) To the best of my/our knowledge, the Power of Attorney was entered into, signed and witnessed in accordance with the applicable legal requirements; g) I/we declare that the personal information and security details provided above are true and correct and I/we authorise ING to verify this information; h) I/we have read the ING Privacy Statement as appropriate and I/we consent to my/our personal information being collected, used and disclosed in the manner and for the purpose set out in the Privacy Statement; and i) I/we authorise ING to use and disclose my/our personal information to help ING and any of its associated companies or subsidiaries to provide or tell me/us about products and services that may be of interest to me/us. Attorney 1 Attorney 2 (if applicable) Signature of Attorney 1 Signature of Attorney 2 Date (DD/MM/YYYY) Date (DD/MM/YYYY) / / / / Step 3: Attorney(s) verification details (to be completed by the Attorney(s) Step 4: Attorney(s) to read and sign below

Page 3 of 5 | ING 136 | 11/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Appendix A: Identification document and certification Identification Documents You need to choose either 1 document from List A or two documents from List B. Please note the certified copies will not be returned. The documents must verify the following details:

List A: Your full name and DOB
List B: A combination of your full name and DOB and your full name and residential address

A Pharmacist
A Justice of the Peace
A Notary Public Officer
A Medical Practitioner or Nurse
A Police Officer
An Accountant (CA/CPA)
A Legal Practitioner
A Full-time teacher (school or tertiary)
Bank/Credit Union/Building Society Officer with at least five years continuous service
A permanent employee of a Commonwealth, State/Territory or local government with at least five years continuous service
A person in a foreign country who is authorised by law in that jurisdiction to administer oaths, affirmations or authenticate documents. Certifier instructions Once you (the certifier) have sighted the original proof of identity document and the copy and confirmed that both documents are identical on each page of the copy complete the following:
Certify as true copies by writing or stamping “I hereby certify that these pages are a true copy, of the original document shown to me on [date]”
Sign each document and print your Name and Certifier Classification. For example; John Smith, Accountant Document certification Take the originals and copies of your identification documents to a document certifier from the list below. Ask them to follow the Certifier instructions. List A • Australian Driver’s Licence (must be current, show current residential address and photograph) • Australian Passport (either a current passport or a passport that expired within the last 2 years) • Proof of Age Card/NSW Photo Card (must be current and show date of birth and photograph) • International Passport (current, containing a photograph and a signature and accompanied by a translation from a Professional Translator accredited by the National Accreditation Authority for Translators and Interpreters if not in English) List B One of the documents • Birth Certificate (issued by a State or Territory in Australia) OR • Citizenship Certificate (issued by the Commonwealth of Australia) AND • Social Security notice issued by the Commonwealth, State or Territory in the past 12 months containing your name and residential address which records financial benefits provided to you OR • Notice Issued by the Australian Tax Office within the past twelve months that contains your name and residential address and records debts payable by you OR • Rates or Utilities notice issued in the last 3 months containing your name and residential address and recording the provision of services to you/your address OR • Pension Card or Health Card (must be current and issued by Centrelink entitling financial benefits)

Page 4 of 5 | ING 136 | 11/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Below is the Privacy Statement for ING, which applies for holders of banking accounts and the use of personal information by ING. Privacy Statement for ING At ING, we are committed to ensuring the confidentiality and security of your personal information. We are bound by the Privacy Act 1988, including the Australian Privacy Principles (APPs) set out in that Act, to guide us in our responsible handling of your personal information. By accepting the terms and conditions of your ING account you consent to our collection, handling, use and disclosure of your personal information as described in this Privacy Statement. You can also review the ING Privacy Policy on our website or request a copy by either calling or writing to us. Collection of your personal information Ordinarily, we’ll collect most personal information about you directly from you. Occasionally we may need to obtain personal information about you from a third party, but only if you’ve consented to us collecting the information in this way or you would reasonably expect us to collect the information about you in this way. We’ll collect personal information to provide you with information about a financial product or service; to assess your application and eligibility for a financial product or service; to provide you with the financial products and services that you’ve requested; to administer our relationship with you; and to communicate with you about ING and the products and services we offer, and then only when it’s necessary for, or related to, these purposes. We’ll also need to collect personal information necessary to comply with Australian and global legal or regulatory requirements that have extraterritorial application to ING or the ING Group. For example, ING has an obligation to identify customers for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. If you don’t provide the personal information that we request, we will generally not be able to provide you with ING products or services. Use and Disclosure of your personal information The general rule is that we will not use or disclose your personal information other than for the purposes stated at the time of the collection. If we want to use your personal information for another purpose, we will seek further consent from you, unless that other purpose is related to one of the original purposes of collection and you would reasonably expect us to use your personal information for that other purpose. It may be necessary for ING to disclose your personal information to certain third parties in order to assist us in providing, managing and administering your products or services or for other related purposes. These include: i. Other financial institutions Other financial institutions, such as banks, credit unions, building societies and payment services such as VISA, in order to set up and manage your account and manage banking transactions and, at their request, to provide an opinion or information about your credit worthiness, credit standing, credit history or credit capacity if you seek credit from them; ii. Other organisations Other ING Group entities and third parties, such as: • other ING Group entities in order to service other products you may have within the Group and portfolio analysis; • other ING Group entities located overseas for account administration, regulatory and security purposes; • any person acting on your behalf including your financial adviser, power of attorney, solicitor or accountant; • your referee(s); • your guarantor(s); • any person who introduces you to us, including mortgage intermediaries and agents; • organisations undertaking reviews of the integrity of our operations, including the accuracy and completeness of our information; • any third party product and service supplier that we have an arrangement with (so that either us or they may provide you with the product or service you have requested or in which you have expressed an interest); • our solicitors, valuers and insurers (for loan products); • credit reporting or information verification bodies (or their affiliated entities) in order to obtain and provide details about your credit history or status, to verify other information about you including your identity, to carry out your request to correct your credit information or to resolve your complaint about the handling, use or disclosure of your credit information; • organisations involved in securitisation arrangements. These organisations include trustees of those arrangements, investors and their advisers; • organisations who perform services or functions on our behalf (including mailing services, document storage services, direct marketing, data verification services, information technology support and printing our standard documents and correspondence); • organisations undertaking compliance reviews of financial advisers or mortgage intermediaries; and • organisations providing any of trustee, administration, custodial, insurance, broker and share trading and financial planning advice services in relation to superannuation. Any example used above to indicate when we might disclose personal information may not be limited to those examples (or examples of a similar kind). Personal information will only be disclosed to third parties other than those listed above if you have consented; if you would reasonably expect us to disclose information of that kind to those third parties; if we are authorised or required to do so by law; or it is necessary to assist with law enforcement. We may have to send personal information overseas, for example, if required to complete a transaction or where we outsource a function to an overseas contractor. Your personal information may be accessed by staff in ING Group entities in Singapore and the Netherlands if necessary to: administer our relationship with you, that provide services or functions to ING, for transactional reasons or to comply with Australian and global regulatory requirements applying to us or the ING Group. Appendix B: Privacy Statement

Page 5 of 5 | ING 136 | 11/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Marketing We, or other ING Group entities, may provide you with further information about ING Group products and services unless you tell us not to. If you have provided an email address to us, we may contact you using that email address, including to provide you with information about ING and the products and services that we and the ING Group offer. You may elect not to receive further information about us or our products and services by contacting us online, calling or writing to us. Access to your personal information You may request access to limited amounts of personal information that we hold about you – such as your address

by calling us on 133 464. For a more detailed request for access to information that we hold about you, you will need to write to the ING Privacy Officer at GPO Box 4094, Sydney NSW

Please note that requests for access to your personal information may only be made by you or by another person who you have authorised to make a request on your behalf, such as a legal guardian or an authorised agent. We will require you to verify your identity, or the identity and authority of your representative, to our reasonable satisfaction. Depending on the nature and/or volume of the information that you request, an access charge may apply, but not to your request for access itself. Updating your personal information Although we take reasonable steps to ensure that your personal information is accurate, up-to-date, complete, relevant and not misleading, we primarily rely on the accuracy of information that you supply to us. If any of your personal information is incorrect, has changed or requires updating, please assist by either: • updating your details in the “My Personal Details" section found in your menu selection after you log in; or • contacting us by phone with your Client Number ready. Complaints We are committed to resolving your privacy complaint as quickly as possible and has procedures in place to help resolve any problems or complaints efficiently. For more information on how to make a complaint and how complaints will be handled, see our complete Privacy Policy. Data security We take steps to protect your personal information from misuse, loss and interference. We also protect it from unauthorised access, modification, disclosure. If we no longer require your personal information for a purpose, for example, to manage your financial product or provide you with a financial service, then we will take reasonable steps to securely destroy it or permanently remove all identifying features from that information. Use of internet cookies ING may use cookies to assist you in accessing information on our websites which is of interest and relevance to you. Cookies are a way of storing information on your computer so you do not have to enter the same data every time you access our sites - for instance, your email address. We may also use cookies to capture general information about how you have found our website, or to track the number of visitors to a site, but we do not store any of your personal details when we do this. How to contact us If you have any further questions about privacy at ING please contact us by: • calling 133 464 • emailing privacyaccessrequests.au@ing.com • writing to: ING Privacy Officer GPO Box 4094 Sydney NSW 2001 Our Privacy Statement may be updated from time to time as we strive to improve the standard of service we provide to you.

Source: https://www.ing.com.au/pdf/Verifying_your_Identity_Form_web_May26.pdf

Page 1 of 2 | ING IM020 | 05/26 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Choose 2 documents from the lists below. At least 1 must be from List A. The documents must verify the following details as provided in Step 1:

Applicant’s full name, and
Applicant’s date of birth. Surname First name Middle name Date of birth (DD/MM/YYYY) / / Residential address Unit number Street number Street name Suburb State Postcode How to complete this form Step 1 - Collect the details of the person being identified Step 2 - Collect the required identification documents (original only). Note: the identification documents must be sighted in-person Step 3 - Record the information collected from the applicant’s identification documents and validate that their details match the identification documents Step 4 - Sign the form Step 5 - Provide a copy of the identification documents and the completed Identification Form to ING Identification form • Pension Card (must be current and issued by Centrelink entitling financial benefits) • Australian Tax Office Tax Assessment Notice (issued in the last 12 months and shows current residential address) • A water rates or council rates notice (issued by a local government body or utilities provider within the last 3 months showing current residential address) • A landline telephone, gas or electricity notice (issued by a utilities provider within the last 3 months and shows current residential address) • A bank statement (issued by an Australian bank in the last 12 months. Please note printouts of online statements are not accepted) • A government financial benefits notice; e.g. Centrelink (issued in the last 12 months and shows current residential address) • Medicare Card (must be current) • Birth Certificate or Birth Extract (issued by a State or Territory in Australia) • A Citizenship Certificate (issued by the Commonwealth of Australia) • Australian Drivers Licence (must be current, show current residential address and photograph) • Proof of Age Card / NSW Photo Card (must be current and show date of birth and photograph) • An Australian Passport (either a current passport or a passport that expired within the last 2 years) • International Passport (current, containing a photograph and a signature and accompanied by a translation from a Professional Translator accredited by the National Accreditation Authority for Translators and Interpreters if not in English) List A List B Step 1: Applicant details Step 2: Collect the required identification documents

Page 2 of 2 | ING IM020 | 05/26 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Is there a need to file an Unusual Matter Report? (If yes, please provide additional commentary) Yes No By signing this form I confirm that; I certify that I have interviewed the applicant in-person, sighted the original identification documents listed above, and confirm that the original document presented to me relates to the person presenting them. Record details of the identification documents viewed (copies of documents must be provided to ING) List A document Document type Full name verified? Yes No Document number Date of birth verified? Yes No Document issue date / / Photograph verified? Yes No Document expiry date / / List A or B document Document type Full name verified? Yes No Document number Date of birth verified? Yes No Document issue date / / Photograph verified? Yes No Document expiry date / / Date identification took place (DD/MM/YYYY) / / Signature of Introducer/Broker/ING employee Date (DD/MM/YYYY) / / Name of Introducer/Broker/ING employee Broker number Note: It is an offence under the Anti-Money Laundering/Counter-Terrorism Financing Act 2006 to provide a false or misleading statement, produce a false or misleading document, to receive an ING product in a false name or to fail to disclose any other name or names you are commonly known by. Step 3: Verification Information Step 4: Summary

Source: https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf

Page 1 of 1 | ING CC00017 | 05/25 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Correct as at: 21 July 2025 This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009. Product name Orange One Low Rate Classic Orange One Low Rate Platinum Orange One Rewards Platinum Minimum credit limit $1,000 $6,000 $6,000 Minimum repayments Each month, you are required to pay, as a minimum: (a) the greater of: (i) 5% of the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears); (ii) $100 or, if the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus (b) any Instalment Plan Repayments due; plus (c) any amount by which your Account is in arrears (other than any Overlimit Amount); plus (d) any Overlimit Amount that exceeds the total of: (i) any Instalment Plan Repayments due; plus (ii) any amount by which your Account is in arrears (other than any Overlimit Amount). Each month, you are required to pay, as a minimum: (a) the greater of: (i) 5% of the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears); (ii) $100 or, if the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus (b) any Instalment Plan Repayments due; plus (c) any amount by which your Account is in arrears (other than any Overlimit Amount); plus (d) any Overlimit Amount that exceeds the total of: (i) any Instalment Plan Repayments due; plus (ii) any amount by which your Account is in arrears (other than any Overlimit Amount). Each month, you are required to pay, as a minimum: (a) the greater of: (i) 5% of the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears); (ii) $100 or, if the Daily Revolving Balance as at the end of the Statement Cycle excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus (b) any Instalment Plan Repayments due; plus (c) any amount by which your Account is in arrears (other than any Overlimit Amount); plus (d) any Overlimit Amount that exceeds the total of: (i) any Instalment Plan Repayments due; plus (ii) any amount by which your Account is in arrears (other than any Overlimit Amount). Interest on purchases 12.99% p.a. 12.99% p.a. 16.99% p.a. Interest free period Up to 45 days interest free Up to 45 days interest free Up to 45 days interest free Interest on cash advances 12.99% p.a. 12.99% p.a. 16.99% p.a. Annual fee $48 + $10 for each additional cardholder $48 + $10 for each additional cardholder $149 + $10 for each additional cardholder Late payment fee $30 $30 $30 There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from ing.com.au/pdf/orangeone/fees_and_limits_schedule.pdf For more information on choosing and using credit cards visit the ASIC consumer website at moneysmart.gov.au The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf Description of credit card Key facts about this credit card

Source: https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf

Terms and Conditions. Orange One. 22 June 2026

2  1.1 The meaning of words used in this Contract In this Contract: Access Code means the password you, or an Additional Cardholder, use to access ING accounts using our Interactive Services. Access Method means: (a) the use of:  an Access Code and Client Number;  the Visa Credit Card and PIN; or  the Card Details; or (b) any other method authorised by us for use as authority for us to act on an instruction given through Electronic Equipment to debit or credit your Account. It doesn’t include any method that needs a signature for verification. Account means the Orange One credit account we open in your name to record Transactions under this Contract. Additional Cardholder means any person 18 years or over who from time to time is nominated by you and authorised by us to be issued with a Visa Credit Card for use on your Account. Amount Due means the amount specified as such in your statement of account. The Amount Due will be: (a) the Closing Balance (which includes any Instalment Plan Repayment for the Statement Cycle); less (b) any future amount you owe under an Instalment Plan. Amount Due Option means the option to have the Amount Due debited automatically from your Autopay Account. Annual Instalment Percentage Rate means the Annual Instalment Percentage Rate specified in the Credit Card Offer, as changed from time to time pursuant to the Credit Card Offer or these Terms and Conditions. Annual Percentage Rate means each of the Annual Instalment Percentage Rate and the Annual Revolving Percentage Rate. Annual Revolving Percentage Rate means the Annual Revolving Percentage Rate specified in the Credit Card Offer, as changed from time to time pursuant to the Credit Card Offer or these Terms and Conditions. Annual Revolving Percentage Rate Item means an item to which the Annual Revolving Percentage Rate applies as set out in clause 8.2. 1. Explaining words in plain English.

3 ATM means an automatic teller machine. Autopay Account means an eligible account (other than the Account) that you hold with us either solely or jointly, which you can nominate, using Interactive Services, to be linked to your Account to make repayments on the Account. Available Limit means the unused part of your Credit Limit at any time. Biometric Identifier includes fingerprint, faceprint or similar biometric identifier. BPAY means the BPAY® bill payment service that allows you to pay bills electronically. Business Day means a day other than a Saturday or Sunday or public holiday when we are open for general banking business in your State or Territory. Card Details means the information on a Visa Credit Card including, but not limited to, the Visa Credit Card number and Expiry Date. Cash Advance means a transaction on your Account, other than a Purchase, which ING or Visa identifies as a cash advance. This may include transactions where you or an Additional Cardholder:  withdraw physical cash (for example, an ATM withdrawal),  purchase items that we consider are similar to cash (for example, foreign currency, traveller’s cheques, stored value cards or cryptocurrency),  transfer funds to another account, stored value card or digital wallet, or  pay for gambling or gaming services. To classify a transaction as a Cash Advance, ING uses information provided by Visa, including information about the type of business conducted by the Merchant. Chargeback means a Transaction that, in accordance with the Credit Card Scheme Rules, is returned to a Merchant for resolution and reversal after it is disputed by you or an Additional Cardholder. Chip means the electronic microchip embedded in a physical Visa Credit Card used as an additional security and an information storage device. Client Number means the number we give you, and any Additional Cardholder, to use with the Access Code in order to use our Interactive Services. We generally only allocate one Client Number to each individual or entity, regardless of the number of accounts held with ING. Closing Balance means the amount specified as such in your statement of account. The Closing Balance will be the total amount outstanding on your Account at the end of the Statement Cycle, including any Instalment Plan Repayments and any amount by which your account is in arrears. Code means an Access Code, PIN, any passcode you use to authenticate a transaction on your account and any

4 other secret code (including a one-time passcode provided by SMS to your registered mobile number) issued to you or an Additional Cardholder for the purposes of our Enhanced Security Measures. Code Security Requirements means the code security requirements described in clause 22.8. Contract means the contract (as varied from time to time) you make with us when you accept our Credit Card Offer. It consists of the Credit Card Offer and these Terms and Conditions. Credit Card Offer means the document entitled Credit Card Offer which records the particulars of the Contract. Credit Card Scheme Rules means the credit card scheme rules of Visa. Credit Limit means the credit limit for your Account stated in the Credit Card Offer, as changed from time to time in accordance with your Contract. It is the maximum amount of credit that may be obtained under the Contract. Daily Instalment Balance means the unpaid balance of your Account that is on an Instalment Plan at the end of each day. Daily Instalment Percentage Rate means the interest rate determined by dividing the Annual Instalment Percentage Rate by 365. Daily Revolving Balance means the unpaid balance of your Account that is not on an Instalment Plan at the end of each day. Daily Revolving Percentage Rate means the interest rate determined by dividing the Annual Revolving Percentage Rate by 365. Disclosure Date means the date described as such in the Credit Card Offer. Due Date means the date using Australian Eastern Standard Time (AEST) and Australian Eastern Daylight Time (AEDT) specified as such in your statement of account, which is typically 15 days after the end of the Statement Cycle to which the statement of account relates. EFTPOS means electronic funds transfer at point of sale. EFT System means the shared system under which EFT Transactions are processed. EFT Terminal means any terminal connected to the electronic banking system and authorised by us for use with an Access Method to conduct an EFT Transaction, including an ATM and an EFTPOS terminal. EFT Transaction means an electronic funds transfer initiated by giving an instruction to us through Electronic Equipment and using a relevant Access Method. Electronic Equipment means, but is not limited to, an EFT Terminal, computer, telephone, mobile telephone or any other small screen device which can be used to access the internet.

5 Enhanced Security Measures means any additional security measure or authentication method that we may require you or an Additional Cardholder to use when transacting on your Account, such as by entering an SMS code. ePayments Code means the ePayments Code issued by the Australian Securities and Investments Commission (as amended from time to time). Expiry Date means the expiry date recorded on a Visa Credit Card. Foreign Tax Residency Status refers to your status as a resident of a foreign country for tax purposes, in light of ING’s obligations under: • the global standard for the collection, reporting and exchange of financial account information of foreign tax residents; and • the withholding tax and reporting regime in relation to tax residents of the United States of America, known as Foreign Account Tax Compliance Act imposed by the United States Hiring Incentives to Restore Employment Act 2010, which is incorporated into Australian law in Schedule 1 of the Taxation Administration Act 1953 (Cth). Identifier means information that you or an Additional Cardholder must provide to perform a transaction on your Orange One Account that is not required to be kept secret, such as your Visa Credit Card details. ING, we, us and our means ING Bank (Australia) Limited ABN 24 000 893 292, Australian Financial Services Licence and Australian Credit Licence 229823 and its successors and assignees. Instalment Plan means a payment plan for an amount accrued to the Account, which is paid in equal Instalment Plan Repayments over a selected term. Instalment Plan Repayment means the monthly repayment for an Instalment Plan calculated by applying the Annual Instalment Plan Percentage Rate to the amount added to the Instalment Plan, and dividing that amount by the number of months in the selected term, rounded to the nearest cent. Interactive Services means any service where you or an Additional Cardholder can access your accounts electronically using a secret code, such as an Access Code and/or your Identifiers. It includes mobile banking and the ING website. International Transaction means a Transaction described in clause 6.28. Law means common law, principles of equity, and laws made by parliament (and laws made by parliament include regulations and other instruments under them and consolidations, amendments, re-enactments or replacements of them). Merchant means a provider of goods or services who accepts payment by Visa Credit Card.

6 Minimum Repayment means the amount specified as such in your statement of account. The Minimum Repayment will be the total of: (a) the greater of: (i) 5% of the Daily Revolving Balance as at the end of the Statement Cycle (excluding any amount by which your Account is in arrears); (ii) $100 or, if the Daily Revolving Balance as at the end of the Statement Cycle (excluding any amount by which your Account is in arrears) is less than $100, that lesser amount; plus (b) any Instalment Plan Repayments due; plus (c) any amount by which your Account is in arrears (other than any Overlimit Amount); plus (d) any Overlimit Amount that exceeds the total of: (i) any Instalment Plan Repayments due; plus (ii) any amount by which your Account is in arrears (other than any Overlimit Amount). Minimum Repayment Option means the option to have the amount of the Minimum Repayment debited automatically from your Autopay Account. Mobile Application means our mobile banking application which enables access to your Account via an application on a mobile device. National Credit Code means the National Credit Code set out in Schedule 1 to the National Consumer Credit Protection Act 2009 (Cth), Chapter 7 of the National Consumer Credit Protection Regulations 2010 (Cth) and any amendments to, replacements of or statutory instruments or determinations issued under it from time to time. Online Banking means our secure online banking system available at ing.com.au which enables access to your Account via the internet. Overlimit Amount means the amount by which the balance of your Account exceeds your Credit Limit. Phone Banking means our telephone banking system that can be accessed by speaking to a Customer Care Specialist. PIN means the confidential personal identification number we issue, or you or an Additional Cardholder select, for the purpose of accessing your Account electronically with a Visa Credit Card. This number must be kept secret. Purchase means any transaction involving a purchase of goods or services from a Merchant, the payment for which is authorised by you or an Additional Cardholder. It includes an order made for goods or services which are not taken. Sanctions Laws or Sanctions Obligations means any Australian or international laws, regulations, rules or government directives relating to the imposition, implementation or enforcement of economic or trade sanctions, restrictions or prohibitions. This includes, without limitation, laws administered by the Australian Government

7 (such as the Autonomous Sanctions Act 2011 (Cth) and associated regulations), as well as Sanctions Laws and regulations administered by foreign authorities (including the United Nations, the United States Office of Foreign Assets Control (OFAC), the European Union, and the United Kingdom). Statement Cycle means the period to which a statement of account applies, usually 30 days. The actual number of days in a Statement Cycle varies, depending on the length of the month. For example, a Statement Cycle may begin on the 8th day of each month, and run until the 7th day of the following month. The exact dates of your Statement Cycle will depend on the date on which your Account is opened. Terms and Conditions means this document. Transaction includes a Cash Advance and a Purchase. Unauthorised Transactions means any Transaction on your account that’s not authorised by an authorised user of your account. It does not include any Transaction that is performed by you or by anyone else with your knowledge and consent. Visa contactless means the mechanism that allows you or an Additional Cardholder to authorise Transactions using a physical Visa Credit Card embedded with Visa contactless technology, or a virtual Visa Credit Card which is linked to a digital wallet on a device, by waving the card or device at point of sale readers displaying the contactless symbol. Visa Credit Card means the physical card provided by us to you or an Additional Cardholder to use with your credit card Account and includes a virtual card (which is linked to an electronic wallet on a device). Website our website at ing.com.au or any other internet website we advise you in writing is a website under this Contract. You means the person in whose name the Account is held and your has a corresponding meaning.  1.2 What do certain words and phrases mean? In this Contract: (a) the singular includes the plural and vice versa; (b) where any word or phrase is given a defined meaning, any other part of speech or grammatical form of that word or phrase has a corresponding meaning; (c) a reference to a document (including this document) is to that document as varied, ratified or replaced from time to time; and (d) a reference to you includes your successors and assigns.

8  2.1 What terms apply to this Contract? The terms that apply to your Account (including the use of the Visa Credit Card and the Account) are made up of these Terms and Conditions and the Credit Card Offer. You will be bound by these terms if you accept our offer in accordance with clause 3.  2.2 What happens if there is an inconsistency between these Terms and Conditions and your Credit Card Offer? If there is any conflict or inconsistency between the Credit Card Offer and these Terms and Conditions, the Credit Card Offer will prevail to the extent of the inconsistency. 2. The Contract.

9  3.1 How to activate your Account You won’t be able to transact on your Account (whether or not through use of a Visa Credit Card) until you activate your Visa Credit Card. You may activate your Visa Credit Card: (a) via the Mobile Application; or (b) using Online Banking.  3.2 Accepting our offer and agreeing to the Account terms By activating the Visa Credit Card, you accept our offer and agree to the terms of the Credit Card Offer and these Terms and Conditions. If you do not activate your Visa Credit Card within the timeframe stated in your Credit Card Offer, our offer to you will lapse.  3.3 How an Additional Cardholder can activate their card An Additional Cardholder won’t be able to transact on your Account (whether or not through use of a Visa Credit Card) until they activate their Visa Credit Card. An Additional Cardholder can only activate their Visa Credit Card once you have activated your Visa Credit Card for the first time. An Additional Cardholder may activate their Visa Credit Card: (a) via the Mobile Application; or (b) using Online Banking. 3. Activation and acceptance.

10  4.1 Are you eligible for an Orange One? Yes! As long as: (a) you are an individual who is at least 18 years of age or older; (b) you have and maintain an Australian residential address; (c) you are an Australian citizen or a New Zealand citizen, or an Australian permanent resident; (d) you hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply for the Account; (e) you meet any salary or regular deposit conditions that we advise at the time you apply for the Account; (f) you satisfy our credit and identification criteria for the Account; and (g) you provide ING with all of the information we require to determine your Foreign Tax Residency Status; and (h) you have agreed to receive notices and documentation by electronic communication.  4.2 Keep us updated Before you, or any Additional Cardholder, access any credit under the Account, you must tell us: (a) if anything has happened which prevents you from complying with your obligations under this Contract; or (b) if there are any changes to your position, as stated in all the declarations you have made to us in connection with this Contract.  4.3 Foreign Tax Residency Status We are required by law to collect certain information about you in order to determine your Foreign Tax Residency Status and, where required, report that information, as well as information about any account you hold, to the Australian Taxation Office. The Australian Taxation Office is required to exchange that information with equivalent foreign country tax authorities in accordance with the Australian Government’s international obligations. 4. Opening an Account. What you need to tell us Eligibility criteria

11 In order to determine your Foreign Tax Residency Status, we may need to obtain additional information from you, including documentation and certifications. If you don’t provide any information we reasonably request by the time we require it, we may seek the information from a third party. Any determination made by ING regarding your Foreign Tax Residency Status does not constitute tax advice.

12  5.1 We’ll issue a card to you We’ll issue a physical Visa Credit Card to you, and, at your request, to an Additional Cardholder in accordance with clause 5.4.  5.2 All cards remain our property Each Visa Credit Card issued remains our property at all times. You must destroy each physical Visa Credit Card issued under the Account when it expires, or at any other time if we (acting reasonably) ask you to do so.  5.3 When a card is valid A Visa Credit Card will be valid once it is activated and will remain valid until its Expiry Date or cancellation. A physical Visa Credit Card must be signed upon activation.  5.4 You can ask us to issue a card to an Additional Cardholder You can ask us to issue a physical Visa Credit Card to up to 3 Additional Cardholders. We are not obliged to action your request and the issue of physical additional Visa Credit Cards is at our sole discretion. All Additional Cardholders must satisfy our eligibility, identification and security criteria. It’s important that you, and any Additional Cardholder, read these Terms and Conditions because they set out details of the scope of an Account Holder’s authority in respect of the Account and your liability for an Additional Cardholder.  5.5 Authorisation You authorise: (a) any Additional Cardholder to access and operate the Account as set out in these Terms and Conditions; and (b) us to act on the instructions of any Additional Cardholder. An Additional Cardholder won’t be able to access and operate the Account in the same way that you can. 5. Visa Credit Card. Issuing a Visa Credit Card Additional Cardholders

13  5.10 Card reissue We may issue a replacement physical Visa Credit Card to you or any Additional Cardholder at any time, including where the Visa Credit Card has been lost, stolen or damaged. If you wish to order a replacement Visa Credit Card, you can call our Contact Centre on 133 464 (visit ing.com.au/contact-us when you’re overseas). Use of the replacement Visa Credit Card will be subject to these Terms and Conditions. In some cases when we issue a new or replacement Visa Credit Card, the updated card details will be automatically available to third parties who hold the old card details on file (including digital wallet services) when the card is activated. If you’d like to opt out of these automatic updates, you can contact us to request this.  5.6 Additional Cardholder obligations It’s important that an Additional Cardholder read these Terms and Conditions because they must comply with them. For example, an Additional Cardholder is required to protect their Visa Credit Card and Codes in the manner required by the Code Security Guidelines.  5.7 Your liability for Transactions You are liable for any Transaction authorised by an Additional Cardholder, including any interest, fees and charges. We’ll treat any such Transactions as having been authorised by you.  5.8 Authority to disclose information to an Additional Cardholder You authorise us to give any Additional Cardholder information about your Account, including the balance of your Account, the available credit under the Credit Limit, and all activity on your Account (including Instalment Plans and Transactions made by you and any Additional Cardholder).  5.9 Cancelling an Additional Cardholder’s card or access You can ask us to cancel an Additional Cardholder’s Visa Credit Card and/or access to your Account at any time by calling us on 133 464. Where an Additional Cardholder’s Visa Credit Card is cancelled, you must take reasonable steps to destroy that Additional Cardholder’s physical Visa Credit Card. Until then, you remain liable for all Transactions made by that Additional Cardholder. Visa Credit Card replacement

14  5.11 Expiry Date Each Visa Credit Card is only valid from the date of activation until its Expiry Date. We may automatically issue you and/or any Additional Cardholder with a new physical Visa Credit Card before the Expiry Date without notifying you first. Use of the new physical Visa Credit Card and the new Card Details will be subject to these Terms and Conditions. Visa Credit Card expiry

15  6.1 How to access credit Subject to these Terms and Conditions, you and any Additional Cardholder can access the credit in your Account by: (a) using the Visa Credit Card to make payments using an EFTPOS terminal (including by using Visa contactless); (b) subject to clause 6.24, using the Visa Credit Card to withdraw cash from an ATM or from financial institutions displaying the Visa symbol; (c) using the Card Details to complete Transactions online, or by mail order or telephone order; (d) authorising a third party (such as a health insurer or utilities provider) to withdraw funds under a regular payment arrangement; or (e) using the Card Details stored in a digital wallet to make Purchases. You may also make BPAY ® payments by accessing our Interactive Service. Additional Cardholders cannot make BPAY payments.  6.2 Transferring funds between ING accounts Where the Account has a credit (positive) balance and subject to these Terms and Conditions, we’ll transfer the amount by which your Account is in credit to your Autopay Account.  6.3 We can refuse to process a Transaction We may, in certain circumstances, refuse to authorise or delay the processing of any Transaction. These circumstances may include, for example, where there are security reasons, or where we believe in good faith that doing so may breach local or international laws (including anti-money laundering and counter-terrorism financing laws, and Sanctions Laws), or where we reasonably suspect that your Account, Visa Credit Card, Interactive Service or any other ING account that you hold is being used unlawfully, or in connection with possible fraud or scam activity, or in any way that might otherwise cause you or us to lose money. These Terms and Conditions detail further circumstances in which Transactions on your Account may be refused. 6. Accessing and using your Account. General

16  6.4 EFT Terminals When you or an Additional Cardholder make a Transaction at an EFT Terminal, you authorise us to act on the instructions given. You or the Additional Cardholder must check the Transaction details entered into the EFT Terminal to ensure they are correct before authorising a Transaction (including any Transaction using Visa contactless). You or the Additional Cardholder should also check the completed Transaction to ensure that it has been processed in accordance with the instructions given.  6.5 Authorisations When you or an Additional Cardholder use the Visa Credit Card or Card Details to carry out a Transaction, the Merchant may seek an authorisation on your Account. This is to establish there are sufficient funds in your Account, and to temporarily hold funds needed to complete the Transaction. Authorisations may also be taken for Transactions that will be processed some time in the future, such as car hire, accommodation and at unmanned terminals, (e.g. unmanned parking stations). In these cases, the funds that are held are for an anticipated amount. This means that once processed, the amount of the Transaction may be different to the amount of the authorisation. Once an authorisation is obtained, your Available Limit will be reduced by the authorisation amount until: • the Transaction is processed, or • the authorisation is cleared or expires. Once the Transaction is processed, this will be reflected in your Account.  6.6 ATMs Some ATMs may not have money available for withdrawals and some Merchants, financial institutions and/or ATMs may not accept the Visa Credit Card. If the ATM doesn’t return a Visa Credit Card, contact us immediately, not the financial institution that owns the ATM.  6.7 Not all goods and services may be purchased with the card When a Merchant displays the ‘Visa’, ‘EFTPOS’ or ‘Visa contactless’ symbol, they’re not promising all their goods and services may be purchased with the Visa Credit Card.  6.8 We’re not responsible for Merchants We’re not responsible if the Merchant refuses to accept or honour a Visa Credit Card. Using the Visa Credit Card

17  6.9 Price may differ The price a Merchant charges for goods or services purchased with a Visa Credit Card may be different from the price the Merchant charges for the same goods or services purchased with cash.  6.10 Our liability for goods or services purchased with the card We do not accept any responsibility for the goods or services purchased with the Visa Credit Card, unless required to do so by law.  6.11 What can you use your Account for? (a) Your Account must only be used for personal, domestic or household purposes. We reserve the right to determine whether or not any use of your Account is for one of these purposes. (b) Your Account must not be used for any unlawful purpose, including buying goods or services prohibited by Australian law. We may refuse to authorise a Transaction on your Account if any Visa Credit Card has been reported lost or stolen, or we have any other good reason to do so.  6.12 Using Visa contactless Visa contactless can be used to authorise Purchases at Merchants displaying the contactless symbol, simply by waving the Visa Credit Card at the Merchant’s point of sale reader. ATMs that display the contactless symbol may also allow you to withdraw cash, again by waving the Visa Credit Card at the ATM’s card reader.  6.13 A PIN may be required A PIN may be required to authorise Visa contactless Transactions. The circumstances in which a PIN is required are determined by Visa and/or the Merchant processing the Transaction, and may change from time to time. Cash withdrawals using Visa contactless will always require a PIN or signature.  6.14 You cannot withdraw cash using Visa contactless at an EFTPOS terminal Visa contactless cannot be used to withdraw cash through an EFTPOS terminal. Visa Contactless

18 Click to Pay  6.15 Using Click to Pay Click to Pay is Visa’s express online checkout experience. It allows you to make online payments to participating merchants with your Visa Credit Card without having to type out all of your card details.  6.16 Enrolment In order to use Click to Pay with your Visa Credit Card, your Visa Credit Card must be enrolled into the Click to Pay service. ING may automatically enrol any active Visa Credit Card into the Click to Pay Service. To do this we will share the following information (‘CTP Profile Information’) with Visa: (a) the name on your Visa Credit Card; (b) your Visa Credit Card number and expiry date; and (c) personal details we hold on file for you, including your first and last name, your mobile number, your email address and your mailing and/or billing address. Visa uses the CTP Profile Information to either: (d) create your profile on the Click to Pay service (‘CTP Profile’) and connect your Visa Credit Card to it; or (e) connect your Visa Credit Card to your existing CTP Profile. For example, if your personal details or card number are updated, we will share these details with Visa so your CTP Profile remains up to date.  6.17 Self Enrolment If you have enrolled your Visa Credit Card into the Click to Pay service directly with Visa, once we enrol your Visa Credit Card into Click to Pay: (a) any agreement between you and Visa regarding the Click to Pay service will be void, and these Terms and Conditions will apply instead; and (b) you will no longer be able to enrol it into Click to Pay directly with Visa.  6.18 Managing your Opt In or Opt Out Preferences for Click to Pay You can opt out of the Click to Pay service at any time through your online banking. You can always re-enrol back into the Click to Pay service at any time. You can amend your enrolment preferences for the Click to Pay service up to three times per Credit Card within a 24-hour period.

19  6.19 What happens when you receive a reissued or replacement credit card Reissued cards (same card number) If your previous Credit Card was enrolled in the Click to Pay service, your reissued card will remain enrolled. If you previously opted out your Credit Card from Click to Pay and receive a reissued Credit Card with the same card number, you will remain opted out from the Click to Pay service. Replacement cards (new card number) If you are issued a replacement Credit Card with a new card number, it will automatically be enrolled in the Click to Pay service. If you had previously opted out from Click to Pay and receive a replacement Credit Card with a new card number, you will need to take steps to opt the replacement Credit Card out from the Click to Pay service.  6.20 Using Click to Pay Your CTP Profile Information will be used within the Click to Pay service to automatically complete fields in online check out forms with participating merchants. In using the Click to Pay service, you warrant that: (a) the CTP Profile Information that we hold about you is yours; (b) you have the authority to use the Visa Credit Card linked to your CTP Profile; and (c) the CTP Profile Information is correct, complete and up to date. Visa, participating merchants and other third parties may use and share your CTP Profile Information about a transaction, including to complete the transaction. In using the Click to Pay service with your Visa Credit Card, you agree that you will not: (d) use Click to Pay in any way that is not permitted by law; (e) disrupt or interfere with the security or operation of, or otherwise abuse, any part of the Click to Pay service; (f) attempt to access any part of the Click to Pay service without authorisation; (g) use Click to Pay in any way that could be considered defamatory, abusive, vulgar, hateful, harassing, obscene, profane, threatening, invasive of a person’s privacy, or in violation of any third party rights; (h) reproduce Click to Pay in any form, or store or incorporate Click to Pay in any information retrieval system;

20 (i) copy, emulate, clone, rent, lease, sell, commercially exploit, modify, decompile, disassemble, distribute, reverse engineer or transfer Click to Pay or any portion thereof; or (j) use any device, software or routine to interfere or attempt to interfere with the proper working of Click to Pay and/or take any action that imposes an unreasonably or disproportionately large burden on the Click to Pay system, as determined by Visa in its sole discretion.  6.21 Changes to Click to Pay Visa may make changes to the Click to Pay service from time to time. Your continued use of the Click to Pay service will be taken as acceptance of those changes. ING may make updates to these Terms and Conditions to reflect any such changes. If you don’t agree to any updates, you must discontinue use of the Click to Pay service.  6.22 Liability In using Click to Pay, you acknowledge that neither ING nor Visa is a party to any transaction with a merchant that is made using Click to Pay. As far as the law permits, neither ING nor Visa (or any of its affiliates) will be liable for any damages, claims or losses (direct, indirect or otherwise) arising from, or in connection with, the Click to Pay service.

21  6.23 When you can make a Cash Advance In most situations, Cash Advances won’t be available unless you have enabled the Cash Advance functionality on your Account. You may enable the Cash Advance functionality: (a) via the Mobile Application; (b) using Online Banking; or (c) by calling us on 133 464. There may be circumstances where Transactions will be processed as Cash Advances when you haven’t enabled the Cash Advance functionality on your Account. This may occur, for example, where a Merchant does not correctly categorise the Transaction at the time it is made.  6.24 Additional Cardholders cannot authorise Cash Advances Additional Cardholders are not authorised to enable the Cash Advance functionality on your Account.  6.25 Withdrawing cash You, and any Additional Cardholder, may withdraw cash using the Visa Credit Card in the following ways: (a) at a branch counter of any Australian or international financial institution displaying the Visa symbol; (b) through most EFTPOS terminals; or (c) from an ATM displaying the Visa symbol. Cash withdrawals may be subject to an applicable limit. Don’t forget that Transactions other than cash withdrawals can be treated as a Cash Advance.  6.26 Fees and limits on Cash Advances (a) We'll apply the Cash Advance fee described in the Credit Card Offer for each Cash Advance; (b) We'll apply the Cash Advance limit described in clause 18.3 of these Terms and Conditions. However, there may be circumstances where Transactions will be processed as Cash Advances when you've exceeded the Cash Advance limit, or doing so would cause you to exceed this limit. This may occur, for example, where a Merchant does not correctly categorise the Transaction at the time it is made. If this happens, it does not mean that your Cash Advance limit has been increased, or that we will process Transactions that exceed your Cash Advance limit in the future. Cash Advances

22  6.27 Card can be used in most countries The Visa Credit Card can be used in most countries overseas.  6.28 Tell us about travel plans Before you, or any Additional Cardholder, use a Visa Credit Card overseas, you should notify us of the regions or countries in which the Visa Credit Card will be used, and the dates of such use, by using the Mobile Application. When we’ll treat a transaction as an International Transaction: A Transaction made using a Visa Credit Card will be an International Transaction if it is made: (a) in a foreign currency; or (b) in Australia dollars or a foreign currency, where: (i) the Merchant or financial institution accepting the Visa Credit Card; or (ii) the entity processing the Transaction; is located outside of Australia.  6.29 Your liability for Transactions conducted overseas You are liable for the Australian dollar equivalent of the amount of all International Transactions authorised by you or an Additional Cardholder.  6.30 How International Transactions are converted into Australian dollars International Transactions and other foreign currency amounts including charges, will be converted into Australian dollars as at the date they are processed by Visa International. The conversion rate is selected by Visa International from the range of rates available in wholesale currency markets on the processing date. International Transactions and other amounts may be converted directly into Australian dollars, or converted into United States dollars before being converted into Australian dollars.  6.31 There may be a delay in processing an International Transaction International Transactions may not be processed to your Account on the same day that they are made. To the extent permitted by law, you bear the risk of a change in exchange rates in the intervening period. International Transactions and using the Visa Credit Card overseas You will not always know that a Merchant or a processing entity is located outside Australia.

23  6.32 International transaction fee We’ll apply the international transaction fee described in the Credit Card Offer for each International Transaction.  6.33 BPAY Scheme ING is a member of the BPAY Scheme. We’ll let you know if this changes.  6.34 Paying with BPAY You can authorise a Transaction using BPAY via our Interactive Services. Additional Cardholders cannot make BPAY payments. To make a BPAY payment, you need: (a) the payment amount; (b) the biller code and customer reference number; and (c) the date you want the BPAY payment made. In order for us to make the payment, you need to make sure that the information you provide is correct and the payment would not cause the balance of your Account to exceed the Credit Limit. Remember, when we make a BPAY payment on your behalf, we’re not acting as your or the biller’s agent.  6.35 Scheduled payments Scheduled payments by BPAY can only be made if, as at midnight the Business Day before the payment is scheduled, the payment would not cause the balance of your Account to exceed the Credit Limit. If the payment would cause the balance of your Account to exceed the Credit Limit when the scheduled payment is processed, that payment will be cancelled. Future scheduled payments will remain. If the scheduled payment is on a non-Business Day, it will generally be made the next Business Day. You can stop or suspend an individual scheduled payment via Online Banking by cancelling it before the date of the payment.  6.36 Processing times Billers who participate in the BPAY Scheme agree that generally they’ll treat a BPAY payment as received: (a) on the day you make the BPAY payment, if you tell us to make that payment before the cut-off time on a Business Day (for cut-off times, please see the FAQ section on our website); or (b) on the next Business Day, if you tell us to make that payment either after the cut-off time on a Business Day or on a non Business Day. Transactions by BPAY

24 There may be additional processing time of one day or more when: • there’s a national public holiday the day after you tell us to make a BPAY payment; • you tell us to make a BPAY payment either after the cut-off time on a Business Day, or on a non-Business Day; or • the biller or another financial institution involved in the BPAY payment doesn’t meet their obligations under the BPAY Scheme.  6.37 It pays to check If you instruct us to make a BPAY payment to a biller and discover that: (a) the amount you told us to pay is greater than the amount you needed to pay, you should contact the biller for a refund; or (b) the amount is less than the amount you needed to pay, you should pay the difference (using BPAY or another method). If you’ve made a mistake when instructing us to make a BPAY payment please contact the biller directly, alternatively please call us and we will attempt to recover the mistaken amount from the biller. Make sure you check your Account records carefully and contact us immediately if you become aware that: • you’ve made a mistake when instructing us to make a BPAY payment; • of any delays or mistakes in processing your BPAY payment; • you didn’t authorise a BPAY payment from your Account; or • you think you have been fraudulently induced to make a BPAY payment. A mistaken or incorrect BPAY payment does not constitute under any circumstances part or whole satisfaction of any underlying debt owed between you and the biller.  6.38 If a payment cannot be processed If we’re notified that your BPAY payment cannot be processed by a biller, we’ll: (a) let you know; (b) credit your Account with the amount of the payment; and (c) if you wish, help you make a payment to that biller as soon as possible.  6.39 Complaints and liability Any complaints about goods or services purchased with a BPAY payment (rather than about payment processing) must be resolved directly with the biller concerned.

25  6.40 Concerns regarding BPAY If you’re concerned that a BPAY payment made from your Account is unauthorised, you may need to give us your written consent (addressed to the biller who received the payment) stating that we can obtain information about your account with the biller, including: (a) the BPAY payment and your customer reference number, and (b) any other information we need to investigate the payment. If you don’t give us your consent, the biller may not give us the information we need to rectify that BPAY payment. When you or an Additional Cardholder use your Visa Credit Card, offers, rewards and rebates may be available. These are outlined in the sections below.  6.41 ING Pocket Perks ING Pocket Perks is a rewards program for Orange One Visa Credit Card holders. With ING Pocket Perks, cashback offers from select Merchants ('Cashback Offers') may be available. The details are set out below. Each Visa Credit Card issued under your Account will be enrolled into ING Pocket Perks. This will ordinarily happen within 24 hours of the Visa Credit Card being activated, however in some rare cases there may be a delay of up to 90 days. You can enrol the Visa Credit Card yourself by logging into mobile banking and navigating to your card, then selecting 'ING Pocket Perks'. Once you do this, your Visa Credit Card will be enrolled with immediate effect. Cashback Offers ING Pocket Perks Cashback Offers are displayed in the Mobile Application. These Cashback Offers may be personalised to the Visa Credit Card holder based on transaction and other card activity data. Cashback Offers may also be shared with the Visa Credit Card holder by email unless the Visa Credit Card holder has requested not to receive marketing communications from us. Each Cashback Offer is subject to specific eligibility requirements set by the Merchant providing the Cashback Offer (“Offer Terms”). Redeeming Cashback Offers To redeem a Cashback Offer, the Visa Credit Card holder must complete a Transaction that meets each of the following requirements (a “Qualifying Purchase”): • is a transaction with the Merchant providing the Cashback Offer that is processed through the Visa network; and Rewards and rebates

26 • satisfies each of the Offer Terms set out in the Cashback Offer. For a Transaction to be processed through the Visa network, it must be completed by: • using the Visa Credit Card for instore Transactions; or • entering or sharing the 16-digit Visa Credit Card number for online, mail order or telephone order Transactions. Transactions that are processed using a third party payment checkout services will not satisfy the requirements of a Qualifying Purchase, even when the Visa Credit Card is linked to that payment checkout service. Once a Qualifying Purchase is completed, the cashback under the Cashback Offer will be credited to your Account. Cashback is usually credited within 7 days of the Qualifying Purchase being fully processed (not pending), but in some cases, it may take up to 100 days depending on the Merchant and the Offer Terms. For the purposes of clause 12 of these Terms and Conditions, cashbacks will not be treated as a payment to your Account. We may send the Visa Credit Card holder email updates on any Qualifying Purchase under a Cashback Offer. Opting out of personalised offers If any Visa Credit Card holder no longer wishes to receive personalised ING Pocket Perks Cashback Offers, or communications about them, they can opt out of receiving marketing communications by clicking the unsubscribe link at the bottom of any marketing communication from ING. Where a Visa Credit Card holder opts out, non-personalised Cashback Offers will continue to be available, and cashback will be paid if a Qualifying Purchase is made under any Cashback Offers. Information about Cashback Offers will also continue to be available in the Mobile Application. Changes to your Visa Credit Card or Account Any cashback earned under a Cashback Offer can only be credited to your Account if the Visa Credit Card used to make the Qualifying Purchase is active and payments into the account are unrestricted at the time the cashback is paid. This means: • If the Visa Credit Card used to make a Qualifying Purchase is subsequently cancelled or replaced with a Visa Credit Card with a new card number, any cashback earned under a Cashback Offer cannot be paid. However, the ability to use the replacement Visa Credit Card to access future Cashback Offers will continue unchanged.

27 • If the Visa Credit Card used to make a Qualifying Purchase is subsequently reissued and the card number remains the same (even if the CVV and expiry date change), any cashback earned under a Cashback Offer with that Visa Credit Card will be paid. The ability to use the reissued Visa Credit Card to access future Cashback Offers will continue unchanged. • If your Account is closed, all Visa Credit Cards will be cancelled and you will no longer be able to access ING Pocket Perks for the Account. Any cashback earned prior to the closure of your Account will not be paid. Our rights We may, acting reasonably, disable ING Pocket Perks on your Account or refuse to honour any Cashback Offer if: • your Account is closed; • we reasonably suspect that a Visa Credit Card holder has engaged in gaming, fraud or other unlawful activity in the use of ING Pocket Perks; • there is a material breach of this Contract; or • we are otherwise authorised or compelled by law to do so. If this occurs, we will let you know. We may, acting reasonably, make changes to, or withdraw the availability of ING Pocket Perks. We will let you know if we do this. In participating in ING Pocket Perks, you acknowledge that neither ING nor Visa will be a party to any purchase agreement between you and the Merchant providing any Cashback Offer. Accordingly, as far as the law permits, neither ING nor Visa is liable for: • any loss, damage, expenses or claim (whether direct, indirect or otherwise) in relation to any personal injury, death, false representation, damage or omission arising from or in connection with the access, or attempted access, of any Cashback Offer, or any goods or services provided in connection with any Cashback Offer; and • any non-fulfilment or dispute arising from access, or attempted access, of any Cashback Offer. If you have any questions or encounter any issues with ING Pocket Perks, please contact ING.  6.42 Orange One Rewards Platinum Cashback If your Account is an Orange One Rewards Platinum account, you can earn cashback rewards when you make qualifying purchases. Please see the Orange One Rewards Platinum - Cashback Terms and Conditions for details.

28  6.43 Other rewards Separate to ING Pocket Perks, we may sometimes offer special promotional bonuses, credits, rewards or rebates (“ Promotions ”). The rates, duration, eligibility and other terms and conditions of Promotions may be provided separately to these Terms and Conditions. In some cases, we may also automatically enter you into chance-to-win competitions (“ Prize Draws ”). There will be terms and conditions that apply to any Prize Draw, which will be set out separately to these Terms and Conditions and will include information about prizes, competition periods, eligibility criteria, and the prize draw and claim process. If you win a prize: • we will contact you to let you know; • we may publish your personal information (such as your name, state and postcode) on the ING website; • you may incur tax liability in respect of the prize and you should seek independent tax advice; and • you may refuse to accept any prize. Should you seek to access any Promotions or Prize Draws in a manner that, in our reasonable opinion, is not satisfactory or in line with the intent of the offer we may: • place a stop or freeze on your Account; • close your Account; or • refuse to honour the bonus, credit, reward or rebate, or reclaim any benefit provided to you. Any Promotion or Prize Draw may be withdrawn by us at any time for any reason. We’ll let you know if we do this.  6.44 Social security and tax implications Any cashbacks, bonuses, credits, rewards or rebates you receive, or any Prize Draw you win, may have social security implications that are particular to your personal circumstances. They may also have tax implications and you should discuss this with your tax adviser.

29  7.1 Drawing down credit Subject to any Transaction limit which applies to your Account (see section 18 ‘Transaction Limits’), you, and any Additional Cardholder, may draw down amounts of credit at any time up to the Credit Limit, and redraw amounts of credit you have repaid. Because there are instances where the full available balance of your Account (which may be the full Credit Limit) can be accessed, it’s important to take extra precautions when sharing your Card Details and to carefully read the Account Security section within these Terms and Conditions (section 22).  7.2 You aren’t allowed to exceed the Credit Limit You must ensure that the balance of your Account doesn’t exceed the Credit Limit.  7.3 When we won’t process Transactions Except in the circumstances described in clause 7.4, we won’t: (a) process any Transaction which would cause the balance of your Account to exceed the Credit Limit; or (b) where the balance of your Account exceeds the Credit Limit, process any Transactions until you reduce the balance of your Account to an amount below the Credit Limit.  7.4 We may process some Transactions where you’ve exceeded the Credit Limit In some circumstances a Transaction processed to your Account may cause you to exceed the Credit Limit. This may occur, for example, when a Transaction is conducted manually or when a payment is debited to your Account under a regular payment arrangement. Fees and interest charges may also cause you to exceed the Credit Limit on your Account. We’ll notify you of the first time you exceed the Credit Limit in a Statement Cycle. That notice will be given no later than 2 Business Days after we become aware of it. You must immediately pay us the Overlimit Amount. We do not need to ask you for that amount first. Where the balance of your Account exceeds the Credit Limit, we will continue to debit the amounts of any applicable fees or interest, and we may continue to debit your Account for a Transaction that is conducted manually or a payment is made under a regular payment arrangement. 7. Your Credit Limit.

30  7.5 Your Credit Limit won’t change where you’ve exceeded the Credit Limit Your Credit Limit does not change simply because we debit an amount to your Account that causes the balance of your Account to exceed your Credit Limit.  7.6 How you can request to reduce your Credit Limit, and what we'll do You may request a reduction to your Credit Limit at any time. If so, we'll take reasonable steps to ensure that your request is given effect as soon as possible. Your Credit Limit cannot be reduced below: (a) the outstanding balance of your Account at the time of the request. If, at any time, you ask to reduce your Credit Limit to an amount that is less than the outstanding balance of your Account at that time, you'll first need to repay the amount that exceeds the requested Credit Limit; or (b) the minimum Credit Limit available for your Account. The minimum Credit Limit for Orange One Low Rate Classic is $1,000 and for Orange One Low Rate Platinum and Orange One Rewards Platinum is $6,000.  7.7 We can reduce your Credit Limit at any time, even if you haven't asked us to so We can reduce your Credit Limit at any time if we consider it reasonable in the circumstances, even if you have not asked us to do so due to a credit or other risk to us. We will, unless you are in default, as soon as practicable after deciding to reduce your Credit Limit, give you written notice to that effect if such notice has not previously been given.  7.8 Additional Cardholders cannot change your Credit Limit Additional Cardholders are not authorised to request a change in your Credit Limit.

31  8.1 What interest rate applies to your Account? Each of the Annual Revolving Percentage Rate and the Annual Instalment Percentage Rate that apply to your Account as at the Disclosure Date are set out in the Credit Card Offer. The Annual Revolving Percentage Rate and the Annual Instalment Percentage Rate are variable rates, and are subject to change.  8.2 To what does the Annual Revolving Percentage Rate apply? The Annual Revolving Percentage Rate applies to: (a) Purchases; (b) Cash Advances; (c) fees and charges; (d) enforcement expenses; and (e) any interest charges debited to your Account (including any interest charges debited to your Account in respect of balances owing under any Instalment Plan), The items to which the Annual Revolving Percentage Rate applies are, for the purposes of this clause 8, referred to as the “Annual Revolving Percentage Rate Items”. (each an Annual Revolving Percentage Rate Item ).  8.3 To what does the Annual Instalment Percentage Rate apply? The Annual Instalment Percentage Rate applies to balances owing under any Instalment Plan. However, it’s not applied to interest charges debited to your Account under any Instalment Plan. The items to which the Annual Instalment Percentage Rate applies are, for the purposes of this clause 8, referred to as the "Annual Instalment Percentage Rate Items".  8.4 Interest on Annual Revolving Percentage Rate Items when you’re not eligible for the interest free period If you’re not eligible for interest free days (see clause 9.1), 8. Interest. Your Annual Percentage Rates How we calculate and debit interest

32 we charge interest on the amount of any Annual Revolving Percentage Rate Item from the date of the Transaction or the date that the fee, charge, enforcement expense or interest is debited to your Account until the item is paid in full. We calculate interest charges on a daily basis by applying the Daily Revolving Percentage Rate to the Daily Revolving Balance of your Account.  8.5 Interest on Annual Instalment Percentage Rate Items If you're eligible for interest free days (see clause 9.1), we charge interest on any Annual Instalment Percentage Rate Item from the Due Date stated in the statement of account for the Statement Cycle in which that Instalment Plan was created until the item is paid in full. If you're not eligible for interest free days (see clause 9.1), we charge interest on any Annual Instalment Percentage Rate Item from the date that item is converted to an Instalment Plan until the item is paid in full. We calculate interest charges on a daily basis by applying the Daily Instalment Percentage Rate to the Daily Instalment Balance of your Account.  8.6 What happens if your Account has a positive balance? If your Account has a credit (positive) balance on any day, the Daily Balance for that day will be treated as zero.  8.7 When we debit interest charges We debit interest charges that accrue during the Statement Cycle to your Account monthly, on the last day of the Statement Cycle.  8.8 We won’t pay interest on credit balances We won’t pay interest on any credit (positive) balance of the Account. Changes to the Annual Percentage Rates  8.9 Your Annual Percentage Rates may change We can change an Annual Percentage Rate at any time without your consent. We’ll notify you of changes to the Annual Percentage Rates in accordance with clause 17.  8.10 You can find the current Annual Percentage Rates on our website You can find out the current Annual Percentage Rates by visiting our website ing.com.au or via the Mobile Application. Interest rates applicable to your Account are also displayed on your statement of account.

33  9.1 When we don’t charge interest We won’t charge you any interest on Purchases shown on your statement of account if you paid the Amount Due on your previous statement in full by its Due Date.  9.2 How you can regain your interest free days If you’re not eligible for interest free days (see clause 9.1), you may regain the benefit of the interest free period at any time: (a) if paying the Amount Due by the Due Date stated in the statement of account, by paying the Amount Due either by paying it in full, converting it to an Instalment Plan, or a combination of both; or (b) if paying the Amount Due after the relevant Due Date stated in the statement of account, by: (i) paying the Amount Due; and (ii) clearing any other amount that has accrued to your Account since the end of the previous Statement Cycle, by paying it in full, converting it to an Instalment Plan, or a combination of both. We won't charge interest on any Purchase made on or after the date on which this occurs, from the date of that Purchase until the Due Date stated in the statement of account for the Statement Cycle in which that Purchase was made.  9.3 You won’t get interest free days for Cash Advances Interest free days do not apply to Cash Advances. 9. Interest free period. General Regaining interest free period Cash Advances

34 10. Instalment Plans. Creating an Instalment Plan  10.2 How do you set up an Instalment Plan? Unless you’re not permitted to create an Instalment Plan (see clause 10.3), you can set up an Instalment Plan by using the Mobile Application or Online Banking. You will be required to nominate an amount to add to an Instalment Plan (see clause 10.4).  10.3 When you won’t be able to create an Instalment Plan You won’t be able to create an Instalment Plan if: (a) the balance of your Account is more than the Credit Limit; (b) your Account is in arrears; or (c) you have given us a hardship notice in relation to your Account.  10.4 What is the maximum amount you can add to an Instalment Plan? We’ll tell you the maximum amount you can add to the Instalment Plan, and you can select the amount you’d like to add to an Instalment Plan. The maximum amount you can add to an Instalment Plan will be the total of the Closing Balance, plus any amounts debited to your Account but which have not yet appeared on a statement of account, less: (a) an amount that has already been added to an existing Instalment Plan; (b) any Instalment Plan Repayment; (c) any Cash Advance; (d) fees; (e) interest charges; or (f) any amount by which your Account is in arrears.  10.5 What is the minimum amount you can add to an Instalment Plan? The minimum amount you can add to an Instalment Plan is $250.  10.1 What is an Instalment Plan? An Instalment Plan is a repayment plan designed to enable you to repay an amount of at least $250, over a set term of your choice, at the Annual Instalment Percentage Rate.

35  10.6 We’ll confirm certain details with you before creating an Instalment Plan Before we create an Instalment Plan you have requested, we’ll tell you the: (a) value of the Instalment Plan (this is the amount you’ve added to the Instalment Plan and is also known as the ‘principal’ amount); (b) Annual Instalment Percentage Rate; (c) term of the Instalment Plan; (d) number and amount of monthly Instalment Plan Repayments due under that Instalment Plan; (e) total amount of interest that will be charged in respect of that Instalment Plan; (f) total amount (principal plus interest) to be repaid in respect of that Instalment Plan; (g) date on which the first Instalment Plan Repayment under that Instalment Plan is due; and (h) end date for the Instalment Plan. We’ll ask you to confirm these details, and the Instalment Plan will be created when you confirm them and agree to create the plan.  10.7 How many Instalment Plans can you have? You can have up to 10 Instalment Plans at any time. Each Instalment Plan may have a different term, Annual Instalment Percentage Rate, and monthly Instalment Plan Repayment amount.  10.8 Does adding amounts to an Instalment Plan increase your Available Limit? No. Adding amounts to an Instalment Plan does not increase your Available Limit.  10.9 You can select the term of an Instalment Plan You can select the term for each Instalment Plan from a range of terms which we’ll offer to you depending on the value of that Instalment Plan. The available terms for Instalment Plans range between 3 months and 7 years.  10.10 When does the term of an Instalment Plan start? The start date of an Instalment Plan will depend on whether you’re eligible for interest free days on your Account (see clause 9.1). Term of Instalment Plan

36 Changes to Instalment Plans Cancelling an Instalment Plan (a) If you’re eligible for interest free days, the term of an Instalment Plan will start on the Due Date shown in the statement of account for the Statement Cycle in which the Instalment Plan was created (b) If you're not eligible for interest free days, the term of an Instalment Plan will start on the date on which the Instalment Plan is created.  10.11 You can change the term of an existing Instalment Plan You may increase or decrease the term of an existing Instalment Plan at any time. This will change the amount of the monthly Instalment Plan Repayments due under that Instalment Plan starting from the next Statement Cycle. The term of an Instalment Plan may be changed no more than three times over the first 2 years of the Instalment Plan. The term of an Instalment Plan must not be increased beyond the maximum term that was originally available when that Instalment Plan was created, less the period that has already passed since the start date of the term of that Instalment Plan.  10.12 What happens if you withdraw your request to create an Instalment Plan? If you asked us to create an Instalment Plan but subsequently withdraw that request, we may cancel that Instalment Plan. If we cancel the Instalment Plan on the day that it is created, the amount owing under that Instalment Plan will, on and from that day, form part of the Daily Revolving Balance. If we cancel the Instalment Plan on any day after it is created, on and from the last day of the Statement Cycle in which the Instalment Plan is cancelled: (a) the amount owing under that Instalment Plan, including the interest that has accrued on it during the Statement Cycle, will form part of the Daily Revolving Balance; (b) interest will accrue on that amount at the Annual Revolving Percentage Rate; and (c) any interest free days applying to your Account will cease to apply.

37 Additional Cardholders  10.13 Additional Cardholders have no authority in respect of Instalment Plans Additional Cardholders cannot create, or make changes to, Instalment Plans.

38  11.1 Overlimit Amounts You must immediately pay us any Overlimit Amount.  11.2 Your Minimum Repayment must be paid by the Due Date You must pay the Minimum Repayment in respect of each statement of account by the Due Date. Late payment fees may apply if you don’t. If the Minimum Repayment includes any arrears (including any Overlimit Amount), you must pay those amounts immediately.  11.3 Adding an amount to an Instalment Plan will reduce the Amount Due and the Minimum Repayment If, between the date of a statement of account and the relevant Due Date of that statement of account, an amount is added to an Instalment Plan, the Amount Due will be reduced by the amount you added to the Instalment Plan and the Minimum Repayment will be recalculated accordingly.  11.4 We’ll automatically debit your Autopay Account each month Your repayments are made by automatic debit from your Autopay Account. The amount of the repayment debited from your Autopay Account will vary according to whether you have chosen the Minimum Repayment Option (see clause 11.5) or the Amount Due Option (see clause 11.6). See clauses 11.10 to 11.16 for more information on how payments made by manual transfer (additional payments) are treated.  11.5 The amount we’ll debit if you’ve selected the Minimum Repayment Option If you have selected the Minimum Repayment Option, we’ll automatically debit the amount of the Minimum Repayment, or any part of the Minimum Repayment which remains outstanding on the Due Date. If the amount in your Autopay Account is less than the Minimum Repayment amount on the Due Date, then for the five days following the Due Date we’ll attempt to debit the Autopay Account for the Minimum Repayment amount. After this, if we have not been able to debit the Minimum Repayments generally 11. Repayments.

39 Repayment Amount, then we’ll automatically debit any amount available in your Autopay Account on each day until the Minimum Repayment amount is paid in full.  11.6 The amount we’ll debit if you’ve selected the Amount Due Option If you’ve selected the Amount Due Option, we’ll automatically debit the Amount Due from your Autopay Account on the Due Date of each month, or any part of the Amount Due which remains outstanding on the Due Date. If the amount in your Autopay Account is less than the Amount Due on the Due Date, then for the five days following the Due Date, we’ll attempt to debit the Autopay Account for the Amount Due. After this, if we have not been able to debit the Amount Due, then we’ll automatically debit any amount available in your Autopay Account on each day until the Minimum Repayment amount is paid in full.  11.7 Repayments must be AUD All repayments must be made in Australian dollars.  11.8 You can't make repayments that cause your Account to have a positive balance You cannot make a repayment into your Account that would result in your Account having a positive (credit) balance. If you make such a payment, we'll decline to accept that payment and refund it to you.  11.9 When we’ll treat a repayment as being made We won’t treat a repayment as having been made until we receive value for it.  11.10 How to make additional payments You can make additional payments to your Account at any time by manual transfer to your Account from another eligible account you hold with us. We do not accept additional payments to your Account in any other way (such as payment from an account held with another financial institution or via BPAY).  11.11 What happens if you’ve selected the Minimum Repayment Option and you make additional payments to your Account? If you have selected the Minimum Repayment Option and before the Due Date you make an additional payment to your Account which is equal to or greater than the Minimum Repayment, we won’t debit any further amount from your Account on the Due Date for that month. Additional payments

40 Different rules apply if you make additional payments on an Instalment Plan (see clause 11.15).  11.12 What happens if you’ve selected the Amount Due Option and you make additional payments to your Account? If you have selected the Amount Due Option and before the Due Date you make an additional payment to your Account which is equal to or greater than the Amount Due, we won’t debit any further amount from your Account on the Due Date for that month. Different rules apply if you make additional payments on an Instalment Plan - see clause 11.15.  11.13 You can tell us how you’d like additional payments to be applied to your Account When you make an additional payment to your Account, you can specify whether that payment is to be applied to an Instalment Plan or otherwise. The maximum amount that you can pay in respect of an Instalment Plan or other balance owing on your Account will be the amount owing under that Instalment Plan or other balance.  11.14 How we’ll apply your additional payments if you don’t tell us how the payment is to be applied to your Account If you make an additional payment to your Account without specifying the Instalment Plan or other amount to which the payment is to apply, that payment will be applied in the order set out in clause 12.1.  11.15 Additional payments on Instalment Plans Amounts owing under any Instalment Plan may be repaid early, in full or in part, at any time by making a payment by manual transfer to the Instalment Plan via the Mobile Application or Online Banking. Early repayment of part of, but not the full balance of an Instalment Plan will reduce the amount you owe under the Instalment Plan, but won’t prevent the next Instalment Plan payment being deducted from your Autopay Account.  11.16 You won’t be able apply an additional payment to an Instalment Plan if you’re in arrears You won’t be able to apply an additional payment to any Instalment Plan for as long as your Account is in arrears. Adjustments to your balance  11.17 When we’ll adjust the balance of your Account We may adjust the balance of your Account (which may include backdating debits or credits, or making other

41 corrections) to ensure that it accurately reflects the legal position between you and us. For example, we’ll make changes to take into account any processing error, dishonoured payment, or refunds or corrections to your Account (including in the event of a payment being mistakenly directed to your Account).  11.18 How we treat refunds and reversals Refunds, reversals and Pocket Perks cashbacks will not be treated as payments for the purposes of clause 12. Instead, we’ll apply any refund, reversal or Pocket Perks cashback to any balance owing under your Account at our reasonable discretion.  11.19 When your first Instalment Plan Repayment is payable If you’re eligible for interest free days (see clause 9.1), the first Instalment Plan Repayment under an Instalment Plan will be due on the Due Date of the statement of account for the Statement Cycle following the one in which the Instalment Plan was created. If you’re not eligible for interest free days (see clause 9.1), the first Instalment Plan Repayment under an Instalment Plan will be due on the Due Date of the statement of account for the Statement Cycle in which the Instalment Plan was created. Each subsequent Instalment Plan Repayment will be due on the Due Date of each successive statement of account until the expiry of the term of that Instalment Plan. Instalment Plans

42  12.1 We’ll apply payments in a certain order Unless you tell us otherwise (see clause 12.2), we’ll apply payments to amounts shown on your last statement of account in the following order until the Closing Balance is paid in full: (a) first to amounts attracting the highest Annual Percentage Rate; and then (b) in descending order to amounts attracting the lowest Annual Percentage Rate; and then (c) to amounts to which an interest free period applies. Payments are then applied to amounts that have been debited to your Account but have not yet appeared on a statement of account, in the same order described above.  12.2 You can ask us to apply payments in a different order You can ask us to apply a payment you make in a different order than set out in clause 12.1 (for example, this will occur when you ask us to add an amount to an Instalment Plan). We are not obliged to agree to any such request.  12.3 What happens if you have more than one Instalment Plan? If you have more than one Instalment Plan, we will apply payments made by you in the following order unless you have otherwise told us: (a) first to amounts attracting the highest Annual Instalment Percentage Rate; and then; (b) in descending order to amounts attracting the lowest Annual Instalment Percentage Rate; and then (c) to amounts to which an interest free period applies. If you have multiple Instalment Plans and the same Annual Instalment Percentage Rate applies to your Instalment Plans, then the oldest Instalment Plan Repayment will be repaid first under your Account. We reserve the right to determine how to apply any repayments made by you in the event that you have multiple Instalment Plans. 12. How do we apply your payments?

43  12.4 Account credits that result in a positive balance If funds are received into your Account that result in your Account having a positive balance, we'll credit that amount to your Account. At the end of that day, we'll transfer to your Autopay Account the amount by which your Account is in credit, less the amount of any Transaction that has been effected but not yet processed to your Account.

44  13.1 Credit fees and charges and government charges You must pay to us: (a) the credit fees and charges that are payable under this Contract at the times specified in the Credit Card Offer or otherwise required by this Contract or us; and (b) all government taxes, duties and charges relating to this Contract, your Account and its operation, whether or not you are principally liable for them.  13.2 We’ll debit fees and charges to your Account We can debit these amounts to your Account and they will appear on your statement of account.  13.3 You can get more information about fees and charges that may apply Other fees may apply to specific services that you request. Information on our fees and charges is available on request, by visiting our website ing.com.au  13.4 ATM fees When a Visa Credit Card is used at an ATM you may incur ATM operator fees from the owner of the ATM. We may rebate some or all of these ATM operator fees. If we don’t rebate an ATM operator fee you believe is eligible, call us on 133 464. We may modify, introduce a cap on, or discontinue ATM operator fee rebates at any time. 13. Fees explained.

45  14.1 When we’ll issue you with a statement of account Unless the law doesn’t require us to, we’ll provide you with a statement of account for your Account in each month where, during the Statement Cycle, there is any activity on your Account or there is a balance outstanding on your Account.  14.2 How we’ll provide a statement of account to you Statements will be provided to you electronically or via Online Banking. We’ll notify you when you have a new statement to view. We won’t send you a physical statement of account unless you request us to do so.  14.3 Requesting a statement of account You, or an Additional Cardholder, may request us to send a statement of account at any time by calling 133 464.  14.4 Tell us immediately if there are any errors or Unauthorised Transactions Please check your statements carefully and let us know immediately of any errors or Unauthorised Transactions, or if you have any questions or queries. So that you can check your Account statements, you should keep copies of all vouchers, dockets, receipts and Transaction records. 14. Statement of account.

46  15.1 Cancelling a card, or placing a temporary hold on a card You can: (a) cancel any Visa Credit Card under the Account at any time by calling us on 133 464; and (b) place a temporary hold on any Visa Credit Card under the Account at any time by calling us on 133 464 or through any of our Interactive Services.  15.2 Additional Cardholders Any Additional Cardholder can: (a) cancel their own Visa Credit Card at any time by calling us on 133 464; and (b) place a temporary hold on their own Visa Credit Card at any time by calling us on 133 464 or through any of our Interactive Services.  15.3 How to close your Account (and terminate the Contract) You can close your Account (and terminate the Contract) at any time by: (a) telling us that you'd like to do so; and (b) paying the outstanding balance of the Account in full, plus any amounts charged, accrued or payable but not yet debited to your Account (we'll let you know how you can do this). Please note that all annual fees are non-refundable should you decide to close your Account and terminate the Contract.  15.4 When we’ll restrict or cancel access to your Account We may restrict, suspend or cancel access to your Account, including by placing a stop or freeze on your Account, or placing a hold on your Visa Credit Card if: (a) you cease to hold an ING Orange Everyday Transaction Account; (b) you are in default and, in our opinion, it is reasonable in the circumstances for us to restrict or cancel access to your Account; 15. Closing or cancelling access to the Account.

47 (c) we reasonably suspect that your Account, Visa Credit Card, Interactive Service or any other ING account that you hold is being used unlawfully, or in connection with possible fraud or scam activity, or in any way that might otherwise cause you or us to lose money; (d) you or an Additional Cardholder use a Visa Credit Card other than in accordance with clause 6.11; (e) you give us a hardship notice in relation to your Account or any other account you hold with us; (f) there has been no activity on your Account and your Account has had no outstanding balance for the past 6 months; (g) we reasonably consider it necessary for security reasons; or (h) we reasonably believe that you have conducted your Account in a manner that is not satisfactory to us (including where we reasonably suspect that your Account is being used to cause harm to you or another person), or for any other reason we reasonably consider appropriate. A ‘stop’ means you can’t make withdrawals. A ‘freeze’ means you can’t make deposits or withdrawals.  15.5 When we’ll close your Account We may close your Account if: (a) you cease to hold an ING Orange Everyday Transaction Account; (b) you are in default and, in our opinion, it is reasonable in the circumstances for us to close your Account; (c) we reasonably suspect that your Account, Visa Credit Card, Interactive Service or any other ING account that you hold is being used unlawfully, or in connection with possible fraud or scam activity, or in any way that might otherwise cause you or us to lose money; (d) you or an Additional Cardholder use a Visa Credit Card other than in accordance with clause 6.11; (e) there has been no activity on your Account and your Account has had no outstanding balance for the past 6 months; (f) you withdraw your agreement to receive notices and documentation by electronic communication; or (g) we reasonably believe that you have conducted your Account in a manner that is not satisfactory to us (including where we reasonably suspect that your Account is being used to cause harm to you or another person), or for any other reason we reasonably consider appropriate.  15.6 We may decide not to provide further credit or cancel Visa Credit Cards

48 We may, at any time and without prior notice, whether or not you are in default and whether or not your Account is closed, decide: (a) not to provide you with further credit under the Contract; and/or (b) to cancel any Visa Credit Card/s. We’ll only do so for good reason (for example, if we suspect fraudulent use of the Visa Credit Card or if it is necessary for compliance with anti-money laundering and counter- terrorism financing laws, and Sanctions Laws) and will advise you if we do so.  15.7 We’ll notify you if we decide not to provide further credit If we notify you that we won’t provide you with any further credit, but your Account is not closed (whether or not we have cancelled any Visa Credit Card): (a) no further credit will be provided under the Contract but your obligations under the Contract will continue until you pay us the outstanding balance of the Account in full (including any amounts charged, accrued or payable but not yet debited to your Account); (b) you must ensure that use of all Visa Credit Cards ceases immediately; and (c) unless you are in default and you are obliged to repay the entire outstanding balance of the Account pursuant to clause 16, you must pay the Minimum Repayments due each month, and statements for the Account will continue to be issued until the outstanding balance on your Account has been reduced to nil.  15.8 What you’ll need to do if we decide not to provide you with further credit or cancel a Visa Credit Card If your Account is closed or we decide not to provide you with further credit and/or to cancel any Visa Credit Card: (a) you must cancel any periodical debit authority operating in respect of the Account; (b) you must cut your physical Visa Credit Card in half (including any Chip), and take all reasonable steps to ensure that all other physical Visa Credit Cards are cut in half (including any Chip), and remove any virtual Visa Credit Card from an electronic wallet on a device; and (c) you’ll still be liable for any Transactions processed before and after your Visa Credit Card or that of any Additional Cardholder is cancelled, unless these Terms and Conditions provide otherwise.

49  16.1 When are you in default? You’re in default if: (a) you fail to pay any amount payable under this Contract, on or before its due date; (b) the balance of your Account exceeds the Credit Limit; (c) there is a breach of clause 4.2, 6.11 or 13.1 of these Terms and Conditions or any material undertaking given to us at any time; (d) we have reasonable grounds to believe you never met, or you no longer meet, the eligibility criteria in clause 4.1; (e) you give us incorrect or misleading information in connection with this Contract; (f) we reasonably believe you have acted fraudulently in connection with this Contract; (g) you commit an act of bankruptcy; (h) you are convicted of a criminal offence; (i) you pass away or become incapable of managing your affairs; (j) we have reasonable grounds to believe that continuing this Contract with you would cause us to breach a relevant law or would represent an unacceptable level of risk for us, including where: (A) we reasonably believe that you have migrated to a country that we determine is ultra high risk, given our obligations under anti-money laundering and counter- terrorism financing laws, and Sanctions Laws (for information on relevant countries, please contact us); (B) you fail to provide information or a document to us that we have requested for the purpose of our compliance with a relevant law (including Foreign Tax Residency self-certification or any details necessary for us to verify your nationality in accordance with anti-money laundering and counter-terrorism financing laws, and Sanctions Laws); or (C) we reasonably form the view that you are high risk given our obligations under anti-money laundering and counter-terrorism financing laws and Sanctions 16. What happens when you are in default?

50 Laws, having regard to our obligation to consider the risks posed by your sources of funds and wealth, your business or employment, the countries in which you reside, the services we provide to you and the method through which you access those services and/or your status as a politically exposed person.  16.2 What we’ll do when you’re in default If you are in default, we'll send you a default notice telling you what the default is, what you have to do to remedy the default, and that you will have at least 30 days from the date of the notice to remedy the default. If you do not comply with a default notice, then at the end of the period stated in the default notice: (a) the balance of your Account, and any other amounts charged, incurred or payable but not yet debited to your Account, will become immediately due for payment; (b) we may commence proceedings against you for the amount described in clause 16.2(a) and exercise our rights under this Contract and at law; and (c) we may cancel all Visa Credit Cards issued under the Account and/or close the Account.  16.3 You’ll have the right to remedy your default If we are required by law to give you notice to remedy your default, you will be deemed to have failed to remedy the default if, at the end of the time allowed by the notice, you have remedied that default but have committed another of the same type.  16.4 When we won’t give you a default notice If we reasonably determine that we were induced by fraud to enter into this Contract, or were are unable to locate you after we have made reasonable attempts to do so, we won’t be required to give you a default notice described in clause 16.2. The balance of your Account will become immediately due and payable and we may take any of the steps referred to in clauses 16.2(a) to 16.2(c) without notice.  16.5 We may need to assess whether your default is material Except where you are in default in the circumstances described in clause 16.1(a), clause 16.1(b) or 16.1(c), we will not take any of the steps described in clause 16.2 unless we make an assessment (acting reasonably) that your default is material. We might consider your default to be material either by its nature or because it had, or is likely to have, a material impact on: (a) your ability to meet your financial obligations to us under this Contract

51 (b) our credit risk or our ability to assess this risk; or (c) our legal or reputational risk.  16.6 Your acknowledgement You acknowledge that, other than in respect of our obligation to comply with any relevant laws and to make an assessment as to whether your default is material under clause 16.5, there is no agreement, arrangement, or understanding between us that repayment will only be demanded on the occurrence or non-occurrence of a particular event.  16.7 Anti-money laundering and counter-terrorism financing Notwithstanding any other rights we have, if you are in default in the circumstances described in clause 16.1(j) we may be required under anti-money laundering and counter-terrorism financing laws to: (a) collect further information about you; (b) disclose information relating to you or your account to Australian and overseas regulators and others; (c) stop, prohibit, delay, block or freeze transactions; (d) close your Account or deal with it in any way required by law; and (e) take other action required by law.  16.8 You’ll need to pay enforcement expenses You must pay us all reasonable enforcement expenses we or our agents incur in exercising our rights because of your default under this Contract. We can debit these amounts to your Account and they are payable immediately.  16.9 Interest charges Interest charges will apply to enforcement expenses until paid in full (see clause 8). These interest charges will apply at the Annual Revolving Percentage Rate whether or not an obligation to pay us an amount under the contract becomes merged in a court order or judgement. Enforcement expenses

52  17.1 When we can change things without your consent We can, acting reasonably, change this Contract (such as by varying an existing provision or adding a new provision) at any time without your consent for one or more of the following reasons: (a) to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice; (b) to reflect any decision of a court, ombudsman or regulator; (c) to reflect a change in our systems or procedures, including for security reasons; (d) as a result of changed circumstances (including adding or removing benefits or features); (e) to respond proportionately to changes in the cost of providing the Account (including by changing interest rates); or (f) to make them clearer.  17.2 What things can we change? The types of changes we may make include: (a) imposing a new fee or charge; (b) changing the amount, frequency, or time for payment of a fee or charge; (c) changing the amount, frequency, time for payment or method of calculating any Minimum Repayments; (d) changing the way interest is calculated or debited; (e) changing an Annual Percentage Rate; (f) reducing (but not increasing) your Credit Limit; and (g) adding or removing benefits or features.  17.3 We’ll comply with our obligations We’ll give you notice of the change in accordance with any requirement of the National Credit Code, the Banking Code of Practice, the ePayments Code or any other code, guide or law which may apply. We may change your Contract We’ll give you notice of any changes 17. Things change.

53  17.4 How and when we’ll give notice of a change We’ll give you: (a) notice of an increase in an Annual Percentage Rate by writing to you or by newspaper advertisement no later than the day on which the increase is to take effect; (b) notice by writing to you at least 30 days or by newspaper advertisement, before we: (i) change the amount, frequency, the time for payment or method of calculation of any Minimum Repayments, including a change to any interest free period (which does not reduce your obligations or extend the time for payment); (ii) increase your liability for losses relating to EFT Transactions; (iii) introduce or increase fees or charges: (A) relating to using the Interactive Services, the Visa Credit Card; (B) for issuing an additional or replacement Visa Credit Card or Code; or (C) for performing EFT Transactions; (iv) impose, remove or change a daily or other periodic Transaction limit applying to use of an Access Method, Electronic Equipment or your Account, except where an immediate change is necessary to restore or maintain the security of the EFT System or to prevent systemic or individual criminal activity or fraud; (v) change the frequency or time for payment of a fee or charge or the method of calculating or debiting interest; (vi) make any change in fees and charges which does not reduce your obligations or extend the time for payment; or (vii) make any other change to the Contract which increases your obligations or reduces the time for any payment. (c) at least 30 days’ notice by writing to you or by newspaper advertisement if we make any change in fees and charges which does not reduce your obligations or extend the time for payment. If we give you notice by newspaper advertisement, or if we make any change to fees and charges or Minimum Repayments which reduces your obligations or extends the time for payment, we'll provide you with particulars of any such change when your next statement of account is sent after the change takes effect.

54  18.1 We may limit the number or value of Transactions At any time we may, acting reasonably, limit the number or value of Transactions which may be made on the Account, including on a periodic basis.  18.2 We may change a limit We may change any such limit at any time. If the limit is increased or removed, this may increase your liability for Unauthorised Transactions.  18.3 What limits apply to your Account? Limits that apply to Transactions on your Account are set out below. Transaction Limit Visa contactless Transactions without a PIN  Contactless transactions of $200 or under may not require a PIN depending on the merchant.  Other limits may apply outside of Australia. Cash Advances The total value of Cash Advances permitted on your Account at any time is limited to the lesser of:  10% of the Credit Limit; and  $500. If the total value of Cash Advances on your Account reaches this limit, you will not be able to make any further Cash Advances until that value is reduced below this limit. If a Cash Advance would cause you to exceed this limit, it may not be processed. It’s important to note that any ATM operator fees that are charged are included in the value of a Cash Advance. BPAY payments Set by the biller for individual BPAY payments. A biller with multiple biller codes may vary limits for each code. Limits may also depend on the type of account the payment is being made from (e.g. a credit card). 18. Transaction limits.

55  18.4 Limits may be imposed by others Merchants and other financial institutions may impose additional Transaction limits. Transactions made using Google Pay at an EFTPOS terminal USD $1000 per transaction applies. For current exchange rates, refer to Visa website. All other Transactions using your Visa Credit Card or Card Details The available balance of the Account, up to the Credit Limit (see section 7 for more information about your Credit Limit).

56  19.1 Authorising a regular payment arrangement You or any Additional Cardholder can authorise a Merchant to debit amounts to your Account on a regular basis (a ‘recurring payment arrangement’) by providing them with your Card Details. If you ask, we will give you a list of recurring payment arrangements on your Account for up to the previous 13 months. The list will include only those regular payment arrangements that are known to us from the information we receive about your Transactions.  19.2 What happens if your Card Details change? In respect of a recurring payment arrangement, it is your responsibility to ensure that the Merchant has your accurate and up to date Card Details, including where any Card Details change (for example, when a Visa Credit Card is replaced after it expires or is lost or stolen). In some instances, the details of a replacement Visa Credit Card will be automatically available to the Merchant when the card is activated. If you’d like to opt out of these automatic updates, or otherwise prevent a Merchant from debiting funds from your Account, you can contact us to request this.  19.3 Can you cancel or change a recurring payment arrangement? You should notify the Merchant if you wish to change or cancel the recurring payment arrangement (and any underlying contract) that you have with them. If you’d like to prevent a Merchant from debiting funds from your Account, you can contact us to request this. If the Merchant refuses to change or cancel any recurring payment arrangement in accordance with your instructions, you or any Additional Cardholder can dispute the debits to your Account in accordance with the Chargeback provisions in clause 25.  19.4 Can you dispute a transaction under a regular payment arrangement? You can ask us to dispute a transaction under a regular payment arrangement on your behalf. If you ask us to dispute 19. Regular payment arrangements.

57 the transaction under a regular payment arrangement, and the dispute is within the time limits set by Visa, we: • will claim the relevant amount back if it has been incorrectly charged and you have not contributed to the loss; or • may accept the merchant's refusal to give a chargeback if the refusal accords with the Visa rules.  19.5 What should you do if your Account is closed? If your Account is closed, all Merchants with whom a regular payment arrangement has been made must be advised of any new arrangements.

58  20.1 We can set-off or combine your accounts with us If you have another account with us, we may without notice: • Set-off the whole, or any part of, your account balance to satisfy any amount you owe us under other accounts (including any loan accounts) held in the same name with us; • combine your account with such other accounts. This means that we may transfer any credit balance of any other account you hold with us to your Account if it is in debit and vice versa. We may do this at any time and without prior notice to you, however we’ll inform you if we have exercised this right. 20. Our right to combine accounts.

59  21.1 What Interactive Services do we provide? You, and any Additional Cardholder, may use our Interactive Services to access and perform Transactions on your Account. Our Interactive Services are made up of: (a) the Mobile Application; (b) Online Banking; and (c) Phone Banking.  21.2 What can you do via the Mobile Application? The Account is designed to be accessed and operated primarily via the Mobile Application. You can use the Mobile Application for a range of different functions, including to: (a) view the balance and available credit of your Account; (b) view all activity, including Transactions and Instalment Plans, on your Account; (c) create, repay and cancel Instalment Plans; (d) make accelerated repayments; (e) place a temporary hold on your Visa Credit Card; (f) set the Autopay Account during activation of your Account; and (g) change your PIN.  21.3 What can an Additional Cardholder do via the Mobile Application? An Additional Cardholder can use the Mobile Application for a limited range of functions, including to: (a) view the balance and available credit of your Account; (b) view all activity, including Transactions and Instalment Plans, on your Account; (c) place a temporary hold on their Visa Credit Card; and (d) change their PIN.  21.4 What can you do via Online Banking and Phone Banking? A number of the functions in clauses 21.2 and 21.3 may also be performed using Online Banking or Phone Banking. 21. Interactive Services. General

60  21.5 Accessing our Interactive Services To access our Interactive Services you will need your Client Number (which we will give to you when you first open an account with us) and an Access Code (which you will be able to select).  21.6 Changing your Access Code You can change your Access Code at any time by using our Interactive Services - to do so, you will need your Client Number and current Access Code, and may need to comply with our Enhanced Security Measures (this may include registering for SMS security codes). If you have forgotten your Access Code, you can change it by using our Interactive Services and complying with our Enhanced Security Measures.  21.7 When we’ll follow your instructions When using the Interactive Services instructions will be carried out if: (a) they’re permitted by this Contract; (b) they are not prohibited by law; and (c) they comply with any directions we give on how to use the Interactive Services.  21.8 When we won’t follow your instructions We are not obliged to carry out any instructions through the Interactive Services if: (a) the instruction is not accepted by our system; (b) there is a technical failure of equipment, our system or outside our system which causes a delay in the transmission or acceptance of the instruction; or (c) your access to our Interactive Services is suspended.  21.9 You authorise us to follow your instructions We have the authority to act on any instructions given to us using the Interactive Services in conjunction with the Client Number and Access Code of you or any Additional Cardholder. If it’s not possible to carry out the instructions, we may seek further Accessing our Interactive Services Using our Interactive Services

61  21.11 Additional security measures may apply When you provide us with certain instructions using our Interactive Services, we may require you to comply with our Enhanced Security Measures. These measures are in place for both your protection and ours.  21.12 What happens if you don’t comply with any Enhanced Security Measure If you don’t comply with any Enhanced Security Measure we require, you may be denied access to our Interactive Services or certain functionalities. If you are unable to use our Enhanced Security Measures, please call one of our Customer Care Specialists to discuss alternative options. information from you before carrying out those instructions. When you, or any Additional Cardholder, give us instructions using our Interactive Services, those instructions cannot always be altered or stopped. You, and any Additional Cardholder, should take care to provide us with the correct instructions.  21.10 Tell us if there are any delays or mistakes You should notify us promptly if you become aware of any delays or mistakes in effecting instructions made through the Interactive Services.  21.13 Open, 24/7 We’ll try to ensure our Interactive Services are available 24 hours a day, 7 days a week. Customer Care Specialists may only be available during certain hours. To find out their hours, please visit ing.com.au  21.14 When we’ll withdraw or deny access We may temporarily withdraw or deny access to any Interactive Services without prior notice to you for repairs, maintenance or reasons of security.  21.15 1, 2, 3 unsuccessful attempts Access to the Interactive Services will be automatically denied after three unsuccessful attempts to enter the Client Number and Access Code of you or any Additional Cardholder. If this happens, access can be restored by contacting us. Enhanced Security Measures Availability of our Interactive Services

62  21.17 Tell us if something looks wrong If there’s an error, inaccuracy or omission in relation to the Interactive Services and you advise us in writing, we’ll try to correct the error, inaccuracy or omission. We’ll advise when the problem is fixed.  21.18 We’re giving you a limited licence When you use our Website, we grant you a limited licence to display on your computer or mobile device, print, download and use the underlying HTML, text, hyperlinks, information, content and transaction facilities made available on this site for your personal use and records only. You are not permitted to modify, alter, transfer, interfere with the working of, reverse engineer, remove, create, distribute, or pass onto or link to or from another website.  21.19 We own our Website Copyright in the Website is owned by us and all rights are reserved. Except as provided in the limited licence and any use permitted by the Copyright Act 1968 (Cth), no part of the material may be reproduced or provided to the public, in any form or by any means, without our written permission.  21.20 Trademarks The ING Bank or ING trademarks and devices are trademarks owned by ING Groep N.V. except as provided in the limited licence, no permission is given for the reproduction or publication of any trade marks on the Website by any person.  21.21 When we are taken to receive an electronic message For the purpose of any electronic communications which are sent to us via the Website or the Mobile Application, an electronic communication is not taken to be received by us until the email message enters our electronic mail box and is able to be opened in a readable form by us.  21.16 Things change We can extend or reduce the information and range of services for our Interactive Services at any time without providing notice to you. Accuracy of information Additional conditions for accessing our Website

63  21.22 When we’ll suspend or terminate access We can suspend or terminate access to any Interactive Service at any time: (a) if we suspect fraudulent use of the Interactive Service; (b) if suspension or termination is, in our view, necessary for compliance with anti-money laundering and counter- terrorism financing laws, and Sanctions Laws; or (c) in the event of failure to comply with clause 21 of these Terms and Conditions. (d) if you are travelling to or residing in a sanctioned jurisdiction. A list of sanctioned jurisdictions may be found on our website.  21.23 When we’ll record communications For accuracy, security and quality monitoring purposes, we can, at our discretion, record Phone Banking communications and make electronic copies or monitor any activities using Online Banking or the Mobile Application. If we monitor communications for security reasons we’ll let you know beforehand, unless we are prevented by law from doing so. Suspension and termination of access Recording communications

64  22.1 Protect your security! You, and any Additional Cardholder, must protect relevant Access Methods at all times to prevent unauthorised access to your Account. You, and any Additional Cardholder, must take care to ensure that Access Methods are not misused, lost or stolen and that, where an Access Method is a Code, the Code does not become known to anyone else.  22.2 You’ll be responsible You are responsible for all instructions given to us using any Client Number and/or Codes that may be used to access your Account. We are not required to verify or authenticate the identity of a person supplying any such Client Number and/ or Code before providing access to your Account or processing an instruction in respect of your Account. That’s why it’s important to keep all Codes secure and confidential.  22.3 Protect the security of Electronic Equipment You, and any Additional Cardholder, must take all reasonable steps to protect the security of your respective Electronic Equipment. Reasonable steps include: (a) for computer hardware and software, protecting the computer from viruses and maintaining passwords; (b) for a mobile device, setting screen lock passwords and ensuring that others do not have access to the use of the mobile device.  22.4 Don’t leave things unattended and log out when you’re done You, and any Additional Cardholder, should: (a) not leave any Electronic Equipment used to access Online Banking or the Mobile Application, unattended; and (b) log out of Online Banking and the Mobile Application at the end of each session. 22. Account security. General Electronic Equipment security

65  22.5 How you can keep your Access Method secure This clause contains guidelines which you, and any Additional Cardholder, should follow to protect against unauthorised use of an Access Method. These guidelines provide examples only of security measures and won’t determine your liability for losses resulting from any Unauthorised Transaction. Liability for Unauthorised Transactions will be determined in accordance with clause 24 of these Terms and Conditions and the ePayments Code.  22.6 Visa Credit Card To protect a Visa Credit Card (a) Sign the physical Visa Credit Card as soon as it is received. (b) Always keep the Visa Credit Card in a safe, secure place and check regularly to ensure it has not been lost or stolen. (c) Never lend the physical Visa Credit Card to any person or permit any other person to use the Visa Credit Card. (d) When a Transaction is complete, remember to take the physical Visa Credit Card and the Transaction receipt. (e) Check regularly to make sure you still have: • your physical Visa Credit Card; and • The device with a digital wallet that your virtual Visa Credit Card is linked to, or on which you access the Mobile Application.  22.7 Card Details To protect the Card Details (a) Do not give or tell the Card Details to anyone. (b) Use care to prevent anyone seeing the Card Details when entering them at Electronic Equipment or viewing them in the Mobile Application.  22.8 Code To protect a Code (a) Where a Code is issued by us, you must memorise the Code when it is received and destroy our notice of the Code. (b) If given the option to select a Code, you must not select a Code which represents a name, date, telephone number, car registration or anything else that could be associated with them, or a Code which has an easily retrievable combination (such as repeated numbers or letters). (c) You must never tell or show a Code to anyone, including a family member, friend or person in authority (such as a Access Method security guidelines

66 bank officer or police officer) or any other person, unless we ask you to provide your Code in the following specific circumstances: i. When you call one of our Customer Care Specialists to perform a transaction, we may ask you to tell us the one-time passcode that we provide by SMS to your registered mobile number. You should provide it to us so that we can process the transaction. Note that we will never call you to perform a transaction and ask for your Codes – if anyone does this, you should hang up and call one of our Customer Care Specialists immediately. ii. When you speak with one of our Customer Care Specialists, we may need to verify your identity (including where you request to update your personal details). To do so, we may ask you to tell us the one-time passcode that we provide by SMS to your registered mobile number and you should provide it to us so that we can verify that we are speaking with you; (d) You must not record a Code on the physical Visa Credit Card. (e) You must not keep a record of any Code (without making a reasonable attempt to protect the security of the Code) on your Visa Credit Card, in or on anything you usually carry with your Visa Credit Card, as it could be lost or stolen at the same time as the Visa Credit Card. The only exception from this requirement is where the Code is a one-time passcode that we provide by SMS to your registered mobile number and you have linked your virtual Visa Credit Card to the digital wallet on the device linked to that mobile number, and you: • access our Mobile Application, or • have linked your virtual Visa Credit Card to the digital wallet on the device linked to that mobile number. (f) You must not record the Code on a computer, telephone or mobile device or on one or more articles likely to be stolen simultaneously without making a reasonable attempt to disguise the Code. (g) You must not keep the physical Visa Credit Card and a Code together, for example in a bag or wallet, in a car or in the same piece of furniture. (h) You must not keep a record of the Code with any document containing the reference numbers for the Account, such as statements. (i) You must be careful to prevent anyone else from seeing the Code being entered at Electronic Equipment and watch out for mirrors, security cameras or any means which enable other people to see the Code being entered.

67 (j) You must not access our Interactive Services directly from a facility where the details entered may be recorded by a third party, e.g. a hotel telephone or a computer at an internet café. (k) If you or any Additional Cardholder suspect that someone else may know a Code or that an unauthorised person is using a Code, or that there has been an Unauthorised Transaction, you or they should contact us immediately to arrange the selection of a new Code. (l) You must not be careless about protecting the security of your Codes.  22.9 What won’t be secure We do not consider the following to be reasonable attempts to disguise a Code: (a) recording the disguised Code on the physical Visa Credit Card; (b) disguising the Code by reversing the number sequence; (c) describing the disguised record as a Code record; (d) disguising the Code as a telephone number where no other numbers are recorded; (e) disguising the Code as a telephone number, postcode, amount or date with the Code in its correct sequence within the number; (f) disguising the Code using alphabetical characters, i.e. A=1, B=2, C=3 etc. or in any other easily understood code; or (g) recording the Code as a series of numbers or letters with any of them marked to indicate the Code. You and any Additional Cardholder must not use any other form of disguise which is similarly unsuitable or such that another person can easily work it out.  22.10 What if you want to use an Account Aggregation Service? Some companies provide account aggregation services that allow you to view account information from different institutions on the one web page. To use an account aggregation service, you’re usually required to give the service provider your account details and your Access Method. We don’t endorse, promote or authorise the use of account aggregation services in connection with your Account or our Interactive Services. Please remember, if you disclose your Access Code to another person, you’ll be liable for any transactions on your account(s) they make using that Access Method. Account Aggregation Services

68  23.1 Tell us if you think the security of a code has been compromised As soon as you, or any Additional Cardholder, realise or suspect anyone else knows any of the Codes (including an Access Code or PIN), any Visa Credit Card or Access Method is lost, stolen or used without permission, or an Unauthorised Transaction has been made on your Account, you or they must contact us immediately by calling 133 464 (or visit ing.com.au/contact-us when overseas). It’s important that you, or the Additional Cardholder, tell us as soon as you or they realise or suspect anyone else knows any of the Codes (including an Access Code or PIN), or your Visa Credit Card or Access Method is lost, stolen or used without permission because if you or they don’t do so you may be liable for any transactions that occur on the Account, including all associated fees and charges – liability for Unauthorised Transactions will be determined in accordance with clause 24 of these Terms and Conditions and the ePayments Code.  23.2 Reference details We’ll provide reference details to confirm that we have been alerted to the situation.  23.3 You won’t be liable for Unauthorised Transactions in certain circumstances If, for any reason, the telephone number above is not operational at the time notification is attempted, you won’t be liable for any Unauthorised Transactions which could have been prevented during that time, provided notification is made within a reasonable time of the telephone number becoming operational again. 23. Loss, theft or unauthorised use of an Access Method.

69 Unauthorised Transactions are Transactions that are performed without your consent and knowledge. An Unauthorised Transaction does not include:  a transaction you perform;  a transaction anyone else performs with your knowledge and consent (for example, if you give another person a Code that authorises a transaction);  a transaction that is performed by using your Visa Credit card and another person's Biometric Identifier which are registered on the same compatible mobile device. If you think that you have been the subject of a scam then you should contact us immediately.  24.1 What happens if EFT Transactions are conducted without your knowledge or consent? The following clauses relate to your liability for EFT Transactions on your Account carried out without the knowledge or consent of you or an Additional Cardholder.  24.2 When you’re liable You are liable for all EFT Transactions on your Account carried out with your knowledge or consent or the knowledge or consent of an Additional Cardholder.  24.3 When you’re not liable You’re not liable for losses arising from an unauthorised EFT Transaction: (a) that relates to any of your or any Additional Cardholder’s original or reissued Codes, Identifiers, Visa Credit Cards that are forged, faulty, expired or cancelled; (b) that arises from Transactions made through our Interactive Services or with a Visa Credit Card that require a Code, before the relevant Visa Credit Card or Code (including a reissued Visa Credit Card or Code) has been received by you or the Additional Cardholder; 24. Who’s responsible for Unauthorised Transactions? When you’re not liable

70  24.4 Your liability may be limited If it’s not clear whether you or any Additional Cardholder have contributed to the loss caused by an Unauthorised Transaction that required one or more Codes, the amount of your liability will be limited to the least of: (a) $150; (b) the actual loss at the time we’re notified that the security of the Codes was breached or the Visa Credit Card has been lost, stolen or used without permission (limited by the applicable daily or periodic transaction limits over the relevant timeframe); and (c) the available balance of your Account when the Unauthorised Transaction was made.  24.5 You’ll be liable if you contributed to the loss If we can prove on the balance of probability that you or an Additional Cardholder contributed to the loss caused by the Unauthorised Transaction: (a) through fraud; (b) by failing to comply with the Code Security Requirements; (c) that is caused by the fraudulent or negligent conduct of our employees, agents, those of companies involved in networking arrangements with us, or Merchants linked to the EFT System or their employees or agents; (d) that results from the same Transaction being incorrectly debited more than once to your Account by us; (e) that occurs after we have been notified that the security of a Code has been breached or a Visa Credit Card has been lost, stolen or used without permission; (f) if it’s clear that neither you, nor any Additional Cardholder, have contributed to the losses; (g) that can be made using an Identifier (a non-secret identifier such as your Account number) without a Visa Credit Card or Code; or (h) that can be made using a Visa Credit Card, or a Visa Credit Card and an Identifier but which does not require a Code, unless there is an unreasonable delay in the reporting of the loss or theft of the Visa Credit Card. When you’ll have limited liability When you’ll be liable

71 (c) where more than one Code is required to perform a Transaction and we prove: (i) that the security of a Code for one or more Codes has been breached, but not all of the required Codes; and (ii) we can prove on the balance of probability that a breach of security of a Code was more than 50% responsible for the losses when assessed together with all the contributing causes, then you are liable for the actual losses which occur before we are notified of the loss, theft or misuse of the Code or Visa Credit Card or a breach of the Code Security Requirements. You are liable in full for the actual losses that occur before the loss, theft or misuse of a device or breach of the Code Security Requirements is reported to us. However, you won’t be liable for any loss on any day, or in any period, exceeding any applicable daily transaction limit for that day or period and you won’t be liable for loss in excess of the Credit Limit.  24.6 What happens if you leave a card in an ATM? If you, or any Additional Cardholder, leave a physical Visa Credit Card in an ATM, you will be liable for all losses arising from Unauthorised Transactions as long as the ATM incorporates reasonable safety standards that lessen the risk of the physical Visa Credit Card being left in the ATM (e.g. ATMs that capture physical Visa Credit Cards that aren’t removed or which require a user to swipe and then remove a physical Visa Credit Card before commencing the Transaction).  24.7 Why it's important to tell us immediately if security of a Code has been compromised If we can prove on the balance of probability that you or an Additional Cardholder have contributed to a loss caused by an Unauthorised Transaction by unreasonably delaying notification that the security of a Code or Visa Credit Card has been compromised after you or the Additional Cardholder became aware of the loss, theft or breach, you will be liable to us for the actual losses incurred between: (a) the time you or the Additional Cardholder first became aware (or should reasonably have become aware) of any of these events; and (b) the time we are actually notified of the relevant event, however, you won’t be liable for any loss on any day, or in any period which exceeds any applicable daily transaction Liability for unreasonably delaying notification

72 limit, for that day or period, and you won’t be liable for loss in excess of the Credit Limit.  24.8 You won’t be liable for equipment errors, except where you knew of the error You are not liable for any loss caused because the EFT System or Electronic Equipment accepted your instructions, or the instructions of an Additional Cardholder, but failed to complete the Transaction. However, if you or the Additional Cardholder were aware, or should have been aware, that the EFT System or Electronic Equipment was unavailable or malfunctioning, our responsibility will be limited to: (a) correcting errors in your Account; and (b) refunding any charges or fees imposed as a result.  24.9 What we won’t be responsible for We’re not responsible for: (a) errors, inaccuracies, interruptions, viruses or defects due to any system or equipment failing to complete a Transaction; (b) delays resulting from any network, system or equipment failing to support the Interactive Services or Visa Credit Card; or (c) any Interactive Services or Visa Credit Card system or equipment failing to complete Transaction instructions.  24.10 What we’ll do if we’re responsible If we're responsible, our liability is limited to the cost of re-supplying the service.  24.11 You won't be liable for unauthorised BPAY payments If a BPAY payment is unauthorised or is made from your Account otherwise than in accordance with your instructions, we'll credit your Account for the payment amount. If a BPAY payment is fraudulently induced by someone involved in the BPAY Scheme, then that person should refund you that payment. If that person doesn't refund the payment you have to bear the loss. That is unless some other person in the BPAY Scheme: (a) knew of the fraud; or (b) would have detected it with reasonable diligence. In this case, that person must refund you the payment. Liability caused by equipment malfunctions Liability for BPAY payments

73  24.12 We're not liable for indirect loss or damage We're not liable for any indirect loss or damage you may suffer as a result of using the BPAY Scheme, unless we: (a) acted negligently; or (b) breached any condition or warranty in regard to the supply of goods or services, which can't be excluded or limited under law  24.13 You indemnify us You indemnify us against any loss or damage we may reasonably incur due to any action of any kind brought against us because you: (a) did not observe any of your obligations in connection with this Contract; or (b) acted negligently or fraudulently in regard to this Contract. Your liability under this clause is reduced to the extent ING’s negligence, wilful misconduct or fraud contributed to the action being brought against us.

74  25.1 Our right to reverse a Transaction We have the right under the Credit Card Scheme Rules to seek the reversal of a Transaction, involving a “Chargeback” or debiting of the Transaction to the Merchant’s account with its financial institution, in the circumstances provided for by those Rules.  25.2 When we’ll claim a Chargeback right We’ll claim a Chargeback right where one exists under the Credit Card Scheme Rules. We’ll use our best efforts to Chargeback a disputed Transaction for the most appropriate reason. This does not mean that the disputed Transaction will necessarily be charged back.  25.3 The Merchant will need to accept the claim The Merchant’s financial institution must accept the claim in order for any claim by you, or any Additional Cardholder, to be successful. If the Merchant’s financial institution rejects a Chargeback, we won’t accept that rejection unless we are satisfied that the rejection is reasonable and is consistent with the Credit Card Scheme Rules.  25.4 You should report a disputed Transaction as soon as you can You or an Additional Cardholder should make every effort to report a disputed Transaction to us within 30 days of the date of the statement of account which contains that Transaction, so that we may reasonably ask for a Chargeback where that right exists.  25.5 What could happen if you don’t report a disputed Transaction or don’t provide information requested Failure by you or an Additional Cardholder to report a disputed Transaction, charge, refund or payment, and to provide any additional information required within this timeframe could affect our ability to claim a Chargeback right (if any) under the Credit Card Scheme Rules and result in you being liable for the amount of that Transaction, charge, refund or payment. These rules impose time limits on reporting disputed Transactions, charges, refunds or payments. In certain circumstances where the ePayments Code applies there may be no set time limit for reporting a disputed Transaction.  25.6 Chargeback rights do not apply to BPAY payments The chargeback rights described in clauses 25.1 to 25.5 do not apply in respect of BPAY payments made from your Account. 25. Chargebacks.

75 We have a general duty under the Privacy Act and the Banking Code of Practice to keep information we hold about you con fi dential except in certain circumstances (for example, where the law requires us to disclose information about you or where you agree to us disclosing your information). At ING, we are committed to ensuring the confidentiality and security of your personal information. We are bound by the Privacy Act 1988, including the Australian Privacy Principles (APPs) set out in that Act, to guide us in our responsible handling of your personal information. This Privacy Statement provides information about our collection of your personal information. ING's Privacy Policy should be read in conjunction with this Privacy Statement. It contains further details about our information collection and handling practices including information about: • other ways we may collect, use or exchange your information; • how you may exercise your rights to access and seek correction of your information; • how to make a complaint about a breach of your privacy rights or about the way we handle your information; and • our complaint handling procedures. You can review the ING Privacy Policy on our website at ing.com.au/privacy or request a copy by either calling or writing to us. Ordinarily, we’ll collect most personal information about you directly from you. Occasionally we may need to obtain personal information about you from a third party, but only if you’ve consented to us collecting the information in this way or you would reasonably expect us to collect the information about you in this way. We’ll collect personal information to provide you with information about a financial product or service; to assess your application and eligibility for a financial product or service; to provide you with the financial products and services 26. Privacy. Collection of your personal information from you or other sources

76 that you’ve requested; to administer our relationship with you; and to communicate with you about ING and the products and services we offer, and then only when it’s necessary for, or related to, these purposes. Sensitive personal information is personal information relating to your health, ethnicity, religious or political beliefs, genetic or biometric data. We may collect your sensitive personal information if we have your explicit consent or when we are required to do so by applicable local laws and regulations such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML laws). We'll also need to collect personal information necessary to comply with our legal and regulatory obligations, including to identify customers for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, to determine and report in respect of your Foreign Tax Residency Status, and to satisfy our responsible lending obligations under the National Consumer Credit Protection Act 2009. If you don’t provide the personal information that we request, we’ll generally not be able to provide you with ING products or services. Use and disclosure of your personal information The general rule is that we won’t use or disclose your personal information other than for the purposes stated at the time of the collection. If we want to use your personal information for another purpose, we’ll seek further consent from you, unless that other purpose is related to one of the original purposes of collection and you would reasonably expect us to use your personal information for that other purpose. We may use your biometric information such as face or fingerprints for authentication and/ or verification purposes such as ID document verification, identity authentication or for access to mobile apps. Before collecting your information we will provide you with specific information about the process and request your prior consent before processing your biometric information. It may be necessary for ING to disclose your personal information to certain third parties in order to assist us in providing, managing and administering your products or services or for other related purposes. These include: i Other financial institutions Other financial institutions, such as banks, credit unions and building societies, in order to set up and manage your account and manage banking transactions.

77 ii Other organisations Other ING Group entities and third parties, such as:  ING Group companies in order to service other ING products you may have within the Group and portfolio analysis;  ING Group entities located in the countries specified on our website for account administration, security purposes or to comply with Australian and global regulatory requirements that apply to us or the ING Group;  government bodies and agencies, such as the Australian Taxation Office, in order to satisfy legal and regulatory requirements;  any third party product and service supplier that we have an arrangement with (so that either us or they may provide you with the product or service you have requested or in which you have expressed an interest);  organisations undertaking reviews of the integrity of our operations, including the completeness of our information;  authorised organisations providing services or functions on our behalf (including mailing services, document storage services, direct marketing, data verification services, information technology support and printing our standard documents and correspondence);  our solicitors, valuers and insurers;  credit reporting or information verification bodies (or their affiliated entities) in order to obtain and provide details about your credit history or status, to verify other information about you including your identity, to carry out your request to correct your credit information or to resolve your complaint about the handling, use or disclosure of your credit information. We may also disclose your biometric data such as face or fingerprints for authentication and/or verification purposes such as ID document verification or identity authentication;  any person acting on your behalf including mortgage intermediaries, your financial adviser, power of attorney, solicitor or accountant. Any example used above to indicate when we might disclose personal information may not be limited to those examples (or examples of a similar kind). Personal information will only be disclosed to third parties other than those listed above if you have consented; if you would reasonably expect us to disclose information of that kind to those third parties; if we are authorised or required to do so by law; or it is necessary to assist with law enforcement.

78 You may request access to limited amounts of personal information that we hold about you - such as your address

by calling us on 133 464. For a more detailed request for access to information that we hold about you, you will need to write to the ING Privacy Officer at GPO Box 4094, Sydney NSW 2001 or by email to customer.advocate.au@ing.com. Please note that requests for access to your personal information may only be made by you and we’ll require you to verify your identity to our reasonable satisfaction. Depending on the nature and/or volume of the information that you request, an access charge may apply, but not to your request for access itself. We, or other ING Group entities, may provide you with further information about ING branded products and services, and other product and services issued by ING Group entities or third parties (“promotional information”), unless you tell us not to. If you have provided an email address to us, we may contact you using that email address, including to provide you with promotional information. You may elect not to receive further promotional information by contacting us online, calling or writing to us. Although we take reasonable steps to ensure that your personal information is accurate, up-to-date, complete, relevant and not misleading, we primarily rely on the accuracy of information that you supply to us. If any of your personal information is incorrect, has changed or requires updating, please assist by either:  updating your details by logging in to online banking followed by ‘My Personal Details’; or  contacting us by phone with your Client Number ready. Access to your personal information Marketing Updating your personal information Complaints ING is committed to resolving your privacy complaint as quickly as possible and has procedures in place to help resolve any problems or complaints efficiently. For more information on how to make a complaint, see our complete Privacy Policy under “Right to complain”.

79 If you have any further questions about privacy at ING please contact us by:  calling 133 464  emailing privacyaccessrequests@ing.com.au  writing to: ING Privacy Office GPO Box 4094 Sydney NSW 2001 Our privacy statement may be updated from time to time as we strive to improve the standard of service we provide to you. If you apply for credit with us or offer to act as guarantor for any of our customers, we will collect and share your personal information and your credit-related information with Credit Reporting Bodies (CRB), and/or we will collect your credit-related information from CRBs (Information Request). This is done for the purpose of determining your eligibility for credit (or your suitability to act as guarantor), and we may assess or rate your suitability for credit (or to act as a guarantor). Please note: i. Your consent is not required for an Information Request. ii. A record of Information Requests may be used by, and as relevant, disclosed to CRBs or credit providers for the purpose of assessing your creditworthiness, including calculation of a credit score or credit rating, subject to any limitations on use or disclosure under applicable laws, regulations, or the Privacy (Credit Reporting) Code. iii. Generally, when a credit reporting body records an Information Request related to your application for credit, this may impact your credit score or rating, which might go up, down, or stay the same. This depends on factors such as the type of credit you’re applying for, how many other Information Requests you’ve had recently, and other details in your report. For example, making multiple credit applications over a short period may negatively impact your credit score. If you apply for commercial credit or are a guarantor in relation to an application for credit, we can only do an Information Request with your consent. How to contact us Credit Information

80 ING may: i. Commercial credit information Collect and use any commercial credit information to assess an application for consumer credit or commercial credit. ii. Collection of overdue payments Collect and use a credit report provided by a credit reporting body to collect overdue payments. iii. Provide information to mortgage insurers Disclose information to a mortgage insurer to assess the risk of providing mortgage insurance or to assess the risk of default. iv. Exchange of information between credit providers Collect, use or disclose to another credit provider (including without limitation any other credit provider who has lent money on the same security) any information or opinion about credit worthiness, credit standing, credit history or credit capacity. v. Exchange of information with introducers Collect any consumer or commercial credit information from, or disclose that information to; any introducer, financial consultant, accountant, lawyer, or intermediary (including any introducer mentioned on the front page of the application form) acting in connection with any financing provided. vi. Provide information to credit reporting bodies Disclose to a credit reporting body consumer or commercial credit-related information as permitted by the Privacy Act and Privacy (Credit Reporting) Code, including for the purposes of conducting research in relation to credit. The information may include, but is not limited to, identity particulars; the fact that credit has been applied for and the date on which the account is opened, the amount and type of credit and the applicable terms and conditions; repayment history information; the fact that the lender is a current credit provider; in specified circumstances payments which become overdue more than 60 days, and for which action has been commenced; advice that payments are no longer overdue; in specified circumstances our opinion that there has been a serious credit infringement; and the credit provided has been paid, discharged or the account is otherwise closed and the date on which this occurs. vii. Provide information for securitisation Disclose any report or personal information to another person in connection with funding financial accommodation by means of an arrangement involving securitisation. viii. Provide information to guarantors Disclose information to any person who proposes to guarantee or has guaranteed repayment of any credit provided.

81 ix. Provide information in relation to disputes and enquiries Disclose consumer credit information, commercial credit information and personal information to any industry body, tribunal, or court or otherwise in connection with any complaint regarding the approval or management of your loan - for example if a complaint is lodged about any mortgage broker or lender who dealt with your loan. x. Authority in relation to a mortgage insurer You also agree that this authority applies to any mortgage insurer, who may have to use any personal information they collect in order to assess whether to insure the risk of providing mortgage insurance or to assess the risk of default, as well as for other internal management and risk purposes. Our website includes information about credit reporting, including details of the credit reporting bodies that we deal with, what information we provide to credit reporting bodies (including if you fail to meet your payment obligations or commit a serious credit infringement) and what information credit reporting bodies provide to other credit providers, your right to request credit reporting bodies not to use your credit reporting information for the purposes of direct marketing and information about your right to initiate a ‘ban period’ in cases of actual or suspected identity fraud. You can access this information at ing.com.au/privacy or you can call us to obtain a hard copy.

82  27.1 We’re all ears You should call us straight away on 133 464 (or visit ing.com. au/contactus when you’re overseas) if there is:  a suspected error on your Account, including a statement of account; or  any other problem concerning your Account or our Interactive Services.  Make a complaint or provide feedback Your first point of contact for raising complaints and feedback is our customer complaints team. They will attempt to address your concerns and resolve your dispute.  You can email us customer.complaints.au@ing.com  You can call us Call 133 464 or if you’re overseas please see the toll free numbers on ing.com.au/contactus.  Or write to us ING - Complaints Resolution GPO Box 4094 Sydney NSW 2001 We are committed to efficient, and fair treatment of our customers, particularly if something goes wrong. We welcome your feedback, and want to know straight away if we haven’t met your expectations, you suspect an error, you have concerns about your products or services or we can improve our service to you in any way. What to do if there is a concern 27. R.E.S.P.E.C.T (your complaints and concerns)

83 In the event that your complaint can’t be resolved directly with ING, you can lodge a complaint with the Australian Financial Complaints Authority ( AFCA ). AFCA provides fair and independent financial services complaint resolution that is free to consumers. Australian Financial Complaints Authority Phone: 1800 931 678 (free call) Online: www.afca.org.au Email: info@afca.org.au Post: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001  Customer advocacy at ING At ING, we want your experience with us to be positive – and that means addressing any issues you may have quickly and effectively. With this in mind, ING has appointed a Customer Advocate to oversee and improve the complaints resolution process, making sure customers get a fair investigation and response. Our Customer advocacy charter can be found at: ing.com.au/pdf/customer_advocate_charter.pdf  Contact our Customer Advocate Email: customer.advocate.au@ing.com You can find more information on ING’s complaints policy and process, including response timeframes which available at: ing.com.au/contact-us/complaints-disputes Who else to contact

84  28.1 How we’ll send notices to you We may send you any notice or document by any means permitted by law, including by personal delivery, sending it by fax or sending it by post to your last address known to us.  28.2 How we’ll serve documents in court proceedings You agree we may serve any document in court proceedings (including documents to commence the action) on you by:  posting it to your last address known to us;  leaving it at your last address known to us; or  sending it by email to your nominated email address, or where no email address has been nominated, your last email address known to us.  28.3 When a notice or document is taken to be received A notice or document will be deemed to have been received by you:  if left at your address, on the date delivered or the date it bears, whichever is the later;  if sent by fax, on the date it bears or the date the transmitting machine reports it was sent, whichever is the later; and  if sent by post, on the date it would have been delivered in the ordinary course of post or the date it bears, whichever is the later.  28.4 Electronic communication Notices and documents may also be provided to you electronically, by electronic communication to your nominated electronic address, or making it available for a reasonable period of time on our Website after first notifying you by electronic communication to your nominated electronic address that the information is available for retrieval.  28.5 When an electronic communication is taken to be received Where we communicate with you by electronic communication, the communication will be deemed to have been received by you when the electronic communication enters your or your internet service provider’s information system. Notices relating to your Account 28. General information.

85  28.10 Which laws govern this Contract? This Contract is subject to the laws of the State or Territory in which you reside when this Contract is entered into. You submit to the jurisdiction of the courts of the Australian State or Territory whose laws apply to this Contract and the proper jurisdiction of any other court.  28.11 Compliance with the National Credit Code If: (a) the National Credit Code would otherwise make a provision of this Contract illegal, void, or unenforceable; or  28.6 Email communication It is a condition of the Account that you agree that we may send you notices and other documents electronically (including by email). This means:  we don’t have to give you paper documents, unless required to do so by law;  you should regularly check your electronic communications (including emails and SMS) for notices and documents;  you may withdraw your consent to the giving of notices and documents electronically at any time (but if you do so, we may close your Account); and  you can change your nominated email address.  28.7 Who can sign a notice on our behalf A notice may be signed by any of our employees, solicitors or agents on our behalf. The notice will be deemed to be validly served even if you don’t receive it.  28.8 To which address can you send a notice to us? You may give us notice by email, personal delivery, fax or by post to the address stated in the Credit Card Offer.  28.9 Your liability If, in reliance on notices we receive from you, you or we suffer loss or damage because your instructions were:  in error;  a result of fraud; or  unclear, illegible or not accurate, you’ll be liable for any such loss or damage. Governing law Consumer credit legislation

86 (b) a provision of this Contract would otherwise contravene a requirement of the National Credit Code or impose an obligation or liability which is prohibited by that Code, this Contract is to be read as if that provision were varied to the extent necessary to comply with that Code or, if necessary, omitted.  28.12 Inconsistency If the National Credit Code (the Code) is inconsistent with this Contract, that the Code overrides this Contract to the extent of the inconsistency.  28.13 Only applies to this Contract Clauses 28.11 and 28.12 only apply to the extent that the National Credit Code applies to this Contract.  28.14 Severability Subject to clauses 28.11 and 28.12, any provision of this Contract that is illegal, void or unenforceable shall be ineffective only to the extent of such illegality, voidness or unenforceability without invalidating the remaining provisions of this Contract.  28.15 Our rights We may assign or otherwise deal with our rights under this Contract in any way we consider appropriate. You must sign or do anything we reasonably require to enable us to do this. You agree that we may disclose any information or documents we consider desirable to help us exercise this right.  28.16 Your rights Your rights are personal to you and may not be assigned without our written consent.  28.17 You say that information you’ve provided is true and correct You warrant that all representations you make and all information and documents you, or another person acting with your knowledge or permission, give to us in connection with this Contract are true and correct. You acknowledge that we have relied upon the accuracy of those representations, information and documents in entering into this Contract and will continue to do so in dealing with you. Assignment Your warranties

87  28.18 We’re subscribers We subscribe to the Banking Code of Practice. If you are an individual, or a small business (as defined in the Banking Code of Practice) at the time this banking service is provided, the Banking Code of Practice will apply to the Contract.  28.19 We’re subscribers To the extent that the ePayments Code applies to Transactions made under this Contract, we warrant that we’ll comply with the requirements of the ePayments Code. We have done our best to ensure that this Terms and Conditions booklet is consistent with the ePayments Code. However, if there is any difference, the processes and requirements in the ePayments Code will apply.  28.20 We’ll do things on Business Days If we’re obliged to act on a day that’s not a Business Day, we may act on the next Business Day.  28.21 Tell us of changes You must let us know when any of the following changes for you:  your name;  email address;  mobile phone number; or  mailing or residential address.  28.22 We’ll need evidence of name changes We’ll need a certified copy of evidence satisfactory to us for any name change. Banking Code of Practice ePayments Code When we may act Change of name and address

88  28.23 Has your status changed? If you believe that there has been a change to your Foreign Tax Residency Status, you need to let us know within 30 days.  28.24 We’ll need evidence We may require you to provide additional information, documentation and certification regarding your Foreign Tax Residency Status. If you don’t provide any information we reasonably request by the time we require it, we may seek the information from a third party.  28.26 Tell us if you won’t be able to comply with this Contract You must let us know if anything affects your ability to comply with this Contract.  28.27 We’ll fill in the blanks You agree that we may fill in any blanks in any document related to this Contract.  28.28 Benefits payable in respect of your Account We and other persons may pay or receive commissions, fees or benefits in connection with your Account. Change of Foreign Tax Residency Status Other  28.25 We take customer welfare seriously ING takes customer welfare seriously and is committed to identifying and responding to financial abuse. Financial abuse can include (amongst other things) coercing someone to enter into debt, making all the key financial decisions in a relationship and withholding or preventing access to money. The use of the Account to carry out financial abuse is unsatisfactory Account conduct. If ING reasonably suspects the Account is being used to cause harm to carry out financial abuse, we may take action in response, including by restricting or closing Accounts (see clause 15.4(h) ‘When we’ll restrict or cancel access to your Account’ and 15.5(g) ‘When we’ll close your Account’), as well as by issuing warnings or by contacting law enforcement. Financial Abuse Policy

89  28.29 No right to set-off or counterclaim You must not reduce or seek to reduce your liability to us under this Contract by claiming that you or any other person has a right of set-off or counterclaim against us (except to the extent that you have a right of set-off granted by law which we cannot exclude by agreement).  28.30 Remedies Our rights and remedies under this Contract are in addition to other rights and remedies provided by law independently of it.  28.31 We can refuse to give consent At any time, we may exercise a right or remedy or refuse to give our consent in any way we consider appropriate including by imposing conditions.  28.32 We may waive our rights We may waive any of our rights under this Contract. If we choose not to enforce our rights in a particular instance, our rights under this Contract do not change.  28.33 How we’ll exercise our rights Our rights and remedies under this Contract may be exercised by any of our employees or any other person we authorise.  28.34 We’re not liable for loss We are not liable for loss caused by the exercise or attempted exercise of, failure to exercise, or delay in exercising, a right or remedy, except to the extent that our negligence, wilful misconduct or fraud contributed to the loss.  28.35 We’ll give you a certificate We may give you a certificate about a matter or about an amount payable in connection with this Contract. The certificate is sufficient evidence of the matter or amount unless you show evidence proving it is incorrect.  28.36 You’ll need to provide documents and information on our request You must provide us with any document or information we reasonably require in relation to this Contract as soon as possible after we ask for it.

How can I get details of my proposed credit contract? ING 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 ING, you must be given a copy to keep. Also, ING must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if ING has previously given you a copy of the contract document to keep. If you want another copy of your contract, write to ING and ask for one. ING may charge you a fee. ING has to give you a copy-  within 14 days of your written request if the original contract came into existence 1 year or less before your request; or  otherwise within 30 days of your written request.
Can I terminate the contract? Yes. You can terminate the contract by writing to ING 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 ING has not been used to acquire goods or services for which credit is to be provided under the contract. This statement tells you about some of the rights and obligations of you and ING. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact ING and, if you still have concerns, the AFCA scheme, or get legal advice. Things you should know about your proposed credit contract The contract

Information statement.

91 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 ING 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 ING 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. ING must give you the statement within 7 days after you give your request to ING. 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 ING to charge one) and other fees. 7. Can my contract be changed by my credit provider? Yes, but only if your contract says so. 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 ING.  you get 30 days advance written notice for -  a change in the way in which interest is calculated; or  a change in credit fees and charges; or  any other changes by ING; 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 ING. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at 1800 931 678, by going to www.afca.org.au or by writing to info@afca.org. au or Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001. Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid.

92 10. What do I do if I can not make a repayment? Get in touch with ING immediately. Discuss the matter and see if you can come to some arrangement. You can ask ING to change your contract in a number of ways-  to extend the term of your contract and reduce payments; or  to extend the term of your contract and delay payments for a set time; or  to delay payments for a set time. 11. What if my credit provider and I can not agree on a suitable arrangement? If ING refuses your request to change the repayments, you can ask ING to review this decision if you think it is wrong. If ING still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 13. 12. Can my credit provider take action against me? Yes, if you are in default under your contract. But the law says that you can not be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 13. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www.asic.gov.au General If you have any complaints about your credit contract, or want more information, contact your credit provider. You must attempt to resolve your complaint with your credit provider before contacting the afca scheme. If you have a complaint which remains unresolved after speaking to your credit provider you can contact the afca scheme or get legal advice. The afca scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The afca scheme can be contacted at 1800 931 678, by going to www.afca.org.au or by writing to info@afca.org.au or australian financial complaints authority, GPO box 3, melbourne vic 3001. Please keep this information statement. You may want some information from it at a later date.

For the curious: Information in this booklet is current as at the time of printing and is subject to change. Products and this Terms and Conditions booklet are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING is a Registered Trademark of ING Groep N.V. BPAY® is a Registered Trademark of BPAY Pty Ltd ABN 69 079 137 518. ING CC00016 06/26 Visit ing.com.au Call 133 464 Alternatively you can send mail to GPO Box 4094 Sydney NSW 2001 Connect with us X Facebook YouTube Blog Get in touch

Source: https://www.ing.com.au/pdf/orangeone/fees_and_limits_schedule.pdf

Page 1 of 2 | ING CC00012 | 03/26 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Issue date: 1 April 2026 ING Fees Orange One Low Rate Orange One Rewards Platinum Annual fee $48 $149 Late payment fee $30 $30 Over limit fee $0 $0 Additional cardholder $10/year per additional card $10/year per additional card Dishonours $0 $0 Replacement card (in Australia or overseas) Free Free Emergency replacement card Free Free BPAY Free Free Voucher request $10 $10 Cash advance fee The greater of $3 or 3% of the cash advance amount The greater of $3 or 3% of the cash advance amount International Transaction fee $0 $0 Domestic ATM Withdrawal fee NOTE: Some ATM operators will charge fees in relation to transactions and enquiries carried out at their ATMs. These fees apply to your account even though ING does not charge a fee for that transaction or enquiry. Cash advance fees apply separately. $0 $0 International ATM Withdrawal fee NOTE: Some ATM operators will charge fees in relation to transactions and enquiries carried out at their ATMs. These fees apply to your account even though ING does not charge a fee for that transaction or enquiry. Cash advance fees apply separately. $0 $0 Orange One Fees and limits schedule Orange One annual fee and additional cardholder fee waiver for Orange Advantage home loan customers If you are an Orange One account holder and you have an Orange Advantage home loan, we’ll waive Orange One annual and any additional cardholder fees on your Orange One credit card for the life of the home loan. However, any annual or additional cardholder fees will be charged on Orange One products when you no longer hold an Orange Advantage home loan.

Page 2 of 2 | ING CC00012 | 03/26 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823 Limits Orange One Orange One Platinum Minimum credit limit $1,000 $6,000 Maximum credit limit $30,000 $30,000 Cash advances 10% of the credit limit, up to a maximum of $500. It’s important to note that any ATM operator fees that are charged are included in the value of a Cash Advance. Maximum of $500. It’s important to note that any ATM operator fees that are charged are included in the value of a Cash Advance. BPAY payments Set by the biller for individuals BPAY payments. Billers with multiple Biller Codes may vary limits for each code. Limits may also depend on the type of account the payment is coming from (e.g. everyday account or a credit card). Set by the biller for individuals BPAY payments. Billers with multiple Biller Codes may vary limits for each code. Limits may also depend on the type of account the payment is coming from (e.g. everyday account or a credit card). Purchases using Visa payWave contactless transactions without a PIN Transactions of $200 and under may not require a PIN depending on the merchant. Other limits may apply outside of Australia. Transactions of $200 and under may not require a PIN depending on the merchant. Other limits may apply outside of Australia. Transactions made using Google Pay at a point of sale terminal USD $1000 per transaction. For current exchange rates, refer to the Visa website. USD $1000 per transaction. For current exchange rates, refer to the Visa website. All other transactions using your Visa Credit Card or Card Details The available balance of the Account, up to the Credit Limit (see section 7 of the Orange One Terms and Conditions for more information about your Credit Limit). The available balance of the Account, up to the Credit Limit (see section 7 of the Orange One Terms and Conditions for more information about your Credit Limit). Visit or call If you need assistance or have any questions, visit ing.com.au/contact-us for the best ways and times to connect.

Source: https://www.ing.com.au/rates-and-fees/credit-cards-fees.html

How can we help?

back to results

If you can't find your answer, contact us:

Message us

Loading…

Can we help? Close

Credit cards fees

Orange One Low Rate fees

Annual fee
$48
Late payment fee
$30
Over limit fee
$0
Additional cardholder
$10/year per additional card
Dishonours
$0
Replacement card (in Australia or overseas)
Free
Emergency replacement card
Free
Voucher request
$10
Cash advance fee
The greater of $3 or 3% of the cash advance amount.
International transaction fee
$0
International ATM withdrawal
$0 (fees may still be charged by ATM operators)
Find out more about Orange One Low Rate

Orange One Rewards Platinum fees

Annual fee
$149
Late payment fee
$30
Over limit fee
$0
Additional cardholder
$10/year per additional card
Dishonours
$0
Replacement card (in Australia or overseas)
Free
Emergency replacement card
Free
Voucher request
$10
Cash advance fee
The greater of $3 or 3% of the cash advance amount.
International transaction fee
$0
International ATM withdrawal
$0 (fees may still be charged by ATM operators)
Find out more about Orange One Rewards Platinum

Fees and limits schedule

Terms & conditions

Important Information

All applications are subject to ING's eligibility and credit assessment criteria. Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Facts Sheet, Credit Guide and Target Market Determinations available at ing.com.au. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 as we have procedures in place to help resolve any issues you have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Orange One Low Rate customers approved for a credit limit of $6,000 or more will receive an Orange One Low Rate Platinum card with access to complimentary international travel insurance. Fees and charges are the same for both Orange One Low Rate Classic and Low Rate Platinum.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. The Apple Pay Terms and Conditions for ING customers are available to consider when setting up Apple Pay on your eligible device

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Source: https://www.ing.com.au/rates-and-fees/credit-cards-rates.html

Credit cards interest rates

Orange One Low Rate

Interest Rates

Purchases

12.99 % p.a. variable

Instalments

9.99 % p.a. variable

Cash advances

12.99 % p.a. variable

Learn more about Orange One Low Rate

Orange One Rewards Platinum

Interest Rates

Purchases

16.99 % p.a. variable

Instalments

9.99 % p.a. variable

Cash advances

16.99 % p.a. variable

Learn more about Orange One Rewards Platinum

Important Information

All applications are subject to ING’s eligibility and credit assessment criteria. Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Facts Sheet, Credit Guide, Cashback Rewards Terms and Conditions, Complimentary Insurance Terms and Conditions and Target Market Determinations available at ing.com.au. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

Source: https://www.ing.com.au/rates-and-fees/home-loan-reference-rates.html

How can we help?

back to results

If you can't find your answer, contact us:

Message us

Loading…

Can we help? Close

Home loan reference rates

Below you can find the current reference rates for our residential loans. Your current rate may include a discount off the relevant reference rate. To view your current rate, login.

Owner occupier loans

Reference rate - Principal + Interest

Reference rate - Interest only

Orange Advantage for Owner Occupiers

8.40

8.80

Mortgage Simplifier for Owner Occupiers

8.35

8.70

Smart Home Loan or Action Equity loan, for Owner Occupiers

8.95

Investor loans

Reference rate - Principal + Interest

Reference rate - Interest only

Orange Advantage for Investors

9.12

9.47

Mortgage Simplifier for Investors

9.02

9.37

Smart Home Loan or Action Equity loan, for Investors

9.62

Important Information

Information and interest rate is current as at the date of publication and is subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464. All features are not available for every type of loan. Offer may be withdrawn at any time. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our home loan products you should read the relevant Terms and Conditions booklet. To view this document you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

ING Orange One Rewards Platinum

Source wording changes

Source pages and terms

Saved wording and terms

Source: https://www.ing.com.au/credit-cards/orange-one-platinum.html

Important Information

Important Information

How can we help?

Popular searches

back to results

If you can't find your answer, contact us:

Orange One Rewards Platinum

Cashback on the cards

Why apply for Orange One Rewards Platinum?

Features

Benefits

Rates, fees and limits

How to apply

1. Make sure you're eligible

2. Apply online

3. Stay tuned

More about ING credit cards

Important Information

Important Information

Related questions

Open an Orange One Rewards Platinum

Source: https://www.ing.com.au/credit-cards/tips-hints-guides/understanding-interest-rates-and-fees.html

Understanding Interest Rates & Charges

Credit card Interest rates

Interest free days

Credit card fees

Other articles

Other articles

Tools to get you ahead:

Tools to get you ahead:

FAQs

Important Information

Source: https://www.ing.com.au/help-and-support/documents-and-forms/home-loans.html

Documents and forms

Jump to:

Home loans

Forms - new borrowers

Forms - existing borrowers

Important Information

Source: https://www.ing.com.au/assets/pdf/Gift_Policy_Statutory_Declaration_0709.pdf

Source: https://www.ing.com.au/assets/pdf/INGD%20Fixed%20Rate%20Lock%20In%20Form%20Web%20Version.pdf

Source: https://www.ing.com.au/assets/pdf/INGD_IM0591112_PreSettlementFeesandCharges.pdf

Source: https://www.ing.com.au/assets/pdf/INGD_IM097_0715_WEB.pdf

Source: https://www.ing.com.au/assets/pdf/INGD_IM098_Loan_Acc_Instruction_0715_WEB.pdf

Source: https://www.ing.com.au/assets/pdf/INGD_IM215_1010_Change_to_Operating_AuthorityForm_Web_Version_FINAL.pdf

Source: https://www.ing.com.au/assets/pdf/INGD_IM227_Post_Settlement_Fees_0715_WEB.pdf

Source: https://www.ing.com.au/pdf/Change_Of_Personal_Details.pdf

Source: https://www.ing.com.au/pdf/HomeLoans/LMI_Fact_Sheet.pdf

Source: https://www.ing.com.au/pdf/INGD_IB242_0715.pdf

Source: https://www.ing.com.au/pdf/Interest%20Only%20Payments%20-%20Fact%20Sheet.pdf

Source: https://www.ing.com.au/pdf/Land_Title_Verification_of_Identity_Form.pdf

Source: https://www.ing.com.au/pdf/OrangeOne/ComplimentaryInsuranceTermsAndConditions.pdf

Source: https://www.ing.com.au/pdf/OrangeOne/OrangeOneCashbackTermsAndConditions.pdf

Source: https://www.ing.com.au/pdf/SUP00009_POA_0915_WEB_SEC.PDF

Source: https://www.ing.com.au/pdf/Verifying_your_Identity_Form_web_May26.pdf

Source: https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf

Source: https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf

Source: https://www.ing.com.au/pdf/orangeone/fees_and_limits_schedule.pdf

Source: https://www.ing.com.au/rates-and-fees/credit-cards-fees.html

How can we help?

Popular searches

back to results

If you can't find your answer, contact us:

Credit cards fees

Important Information

Source: https://www.ing.com.au/rates-and-fees/credit-cards-rates.html

Credit cards interest rates

Orange One Low Rate

Orange One Rewards Platinum

Important Information

Source: https://www.ing.com.au/rates-and-fees/home-loan-reference-rates.html

How can we help?

Popular searches

back to results

If you can't find your answer, contact us: