General Details Institution: Bank of Queensland Contact Number: 1300 55 72 72 Product Name: BOQ Gold Visa Card Apply: n/a

Product Details Card Type: Visa Status Level: Gold Account Type: Credit Purchase Rate: 19.49% Cash Advance Rate: 19.99% Intro Rate: - Intro Term: - Balance Transfer: Free Days: 55 Min Repayment: 2.00

Fees Annual Card Fee: $120.00 Annual Rewards Fee: $0.00 Late Payment Fee: $30.00 Duplicate Statement Fee: $7.00 Trans Verification Fee: $8.00 Reinstatement Fee: - Over Limit Fee: $30.00 Over Limit Fee Charged When Over: OS ATM Fee Balance: - OS ATM Fee Withdrawal: - OS Emergency Card Fee: - Interest Charged From: PurchaseDate Annual Fee Waiver:

Features Overseas ATM Availability: Other Interest Paid On Credit Balance: Purchase Insurance: Auto Travel Insurance: true Loan Application Fee Discount: Comments:

Rewards Rewards Program Avail: Program Name: Q Rewards Program Partners: Take Flight service enables you to redeem points for all airlines including Virgin Blue, JetStar and Qantas through FlightPoints. Q Rewards also offers shopping vouchers that are redeemable from outlets such as David Jones, Myer, Dymocks, Bunnings, Target, Toys R Us and Accor Hotels. Points per Dollar: 1.75 Bonus Points Avail: Bonus Point Partners: Number of Bonus Points: - Lifetime of Points (mths): - Conditions: Points earning per annum will be capped at 115,000. Points do not expire and points are immediately forfeited when an account is closed.

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