General Details Institution: ANZ Bank Contact Number: 13 13 14 Product Name: ANZ Balance Visa Apply:

Product Details Card Type: Visa Status Level: Standard Account Type: Credit Purchase Rate: 13.74% Cash Advance Rate: 20.99% Intro Rate: - Intro Term: - Balance Transfer: 0.00 Free Days: 55 Min Repayment: 2

Fees Annual Card Fee: $79.00 Annual Rewards Fee: $22.00 Late Payment Fee: $35.00 Duplicate Statement Fee: $14.00 Trans Verification Fee: - Reinstatement Fee: - Over Limit Fee: $35.00 Over Limit Fee Charged When Over: 1 OS ATM Fee Balance: - OS ATM Fee Withdrawal: $4.00 OS Emergency Card Fee: - Interest Charged From: PurchaseDate Annual Fee Waiver:

Features Overseas ATM Availability: Interest Paid On Credit Balance: Purchase Insurance: Auto Travel Insurance: false Loan Application Fee Discount: Comments: Cash advance fee is 2% of the cash advance amount. Please refer to www.anz.com for more information on credit card fees and charges.

Rewards Rewards Program Avail: Program Name: ANZ Balance Visa Rewards Program Program Partners: Points per Dollar: 1.00 Bonus Points Avail: Bonus Point Partners: Number of Bonus Points: - Lifetime of Points (mths): - Conditions: (1) Reward Points are not earned on Cashback transactions to your account. Reward Points accrue in accordance with the ANZ Balance Visa Rewards Program Terms and Conditions (call ANZ on 13 22 73 for a copy).

Frequent Flyers Conversion to Frequent Flyers: Rewards to Frequent Flyer Ratio: Domestic Airlines: International Airlines: