Source: https://www.ing.com.au/credit-cards/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.

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 the products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Fact Sheet, Credit Guide, Cashback Rewards Terms and Conditions, Target Market Determinations, Complimentary Insurance Terms and Conditions available at ing.com.au. To view these documents you may need Adobe Acrobat.

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.

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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
• Rates, fees and limits
• How to apply

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

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

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.

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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

• [Image] How to apply for a credit card
• [Image] Compare ING credit cards
• [Image] Which type of credit card should I apply for?
• [Image] Understanding credit card interest rates
• [Image] How to apply for a credit card
• [Image] Compare ING credit cards
• [Image] Which type of credit card should I apply for?
• [Image] Understanding credit card interest rates
• [Image] How to apply for a credit card
• [Image] Compare ING credit cards
• [Image] Which type of credit card should I apply for?
• [Image] Understanding credit card interest rates

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.

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 the products you should read the relevant Terms and Conditions, Fees and Limits Schedule, Key Fact Sheet, Credit Guide, Cashback Rewards Terms and Conditions, Target Market Determinations, Complimentary Insurance Terms and Conditions available at ing.com.au. To view these documents you may need Adobe Acrobat.

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.

• About Us
• Contact Us
• Careers
• Security
• Privacy
• Legal
• Site Map

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

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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

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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 % 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

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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.

Other articles

Other articles

How to apply for a credit card Credit card for travel Managing Finances Credit card instalment plans Which type of credit card should I apply for?

Tools to get you ahead:

Tools to get you ahead:

Compare ING credit cards

Related questions

FAQs

FAQ 1 Heading

• FAQ 1 text

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• FAQ 2 text

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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.

• About Us
• Contact Us
• Careers
• Security
• Privacy
• Legal
• Site Map

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.

---

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

• General
• Bank & Save
• Credit Cards
• Personal Loans
• Home Loans
• Insurance
• Superannuation

Jump to:

Home loans Forms - new borrowers

Forms - existing borrowers

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

Back to top

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

Back to top

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

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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.

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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.

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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:

1. 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);
2. 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
3. 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:
4. 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
5. 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
6. 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
7. 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:

1. your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
2. 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;
3. your intentional self harm or your suicide or your attempted suicide;
4. 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;
5. 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;
6. you not following an advice or warning that a reasonable person would have been aware of: • by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www. smartraveller.gov.au; or • which was published in a reliable mass media source.

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

1. 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;
2. 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;
3. To the extent permitted by law we will not pay for any amounts relating to your Personal Safety Evacuation if: a] your claim arises directly or indirectly from you violating the laws or regulations of the country you are in; b] you failing to obtain, maintain or produce to the authorities in the country you are in any immigration permit, visa or similar authorisation; c] your claim arises directly or indirectly from any commercial or contractual dispute; d] any of the events that caused your evacuation were in existence or had occurred, or the occurrence was reasonably foreseeable before you entered the country or region from which you were evacuated; e] the events that caused your evacuation were due to an act or threat of terrorism. SECTION 1.2 OVERSEAS EMERGENCY MEDICAL 1.2.1 WHAT WE COVER 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:

1. to us, our costs (administration and legal) arising from the recovery.
2. to us, an amount equal to the amount that we paid to you under your policy.
3. to you, your uninsured loss.
4. 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.

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

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

2 Eligible spend

1. 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.
2. 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.
3. 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.
4. 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

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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

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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.

90

1. 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.
2. 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.
3. 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

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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.

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

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Reference rate - Interest only

Orange Advantage for Investors

Mortgage Simplifier for Investors

Smart Home Loan or Action Equity loan, for Investors

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.

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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.