General Details Institution: AMP Banking Contact Number: 13 30 30 Product Name: AMP Gold Credit Card Apply: n/a

Product Details Card Type: American Express Status Level: Gold Account Type: Credit Purchase Rate: 16.99% Cash Advance Rate: 20.99% Intro Rate: - Intro Term: - Balance Transfer: Free Days: 55 Min Repayment: 2.5

Fees Annual Card Fee: $70.00 Annual Rewards Fee: $80.00 Late Payment Fee: $30.00 Duplicate Statement Fee: $10.00 Trans Verification Fee: - 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: Yes - see comments

Features Overseas ATM Availability: Interest Paid On Credit Balance: Purchase Insurance: Auto Travel Insurance: false Loan Application Fee Discount: Comments: Annual fee waived in first year and when $18,000 is spent annually. ATM withdrawal limit of $1500 for every consecutive 7 days. Fee of $2.50 or 2% of the transaction whichever is greater per withdrawal.

Rewards Rewards Program Avail: Program Name: Rewards Programs - Choices; Ascent; Qantas Program Partners: Visit www.americanexpress.com.au for details Points per Dollar: 1.00 Bonus Points Avail: Bonus Point Partners: Visit www.americanexpress.com.au for details on special offers Number of Bonus Points: - Lifetime of Points (mths): - Conditions: No expiry on rewards points as long as your account remains current.

Frequent Flyers Conversion to Frequent Flyers: Rewards to Frequent Flyer Ratio: 1 Domestic Airlines: Memeber Rewards Choices (40) or Membership Rewards (80) or Qantas Direct (80) International Airlines: visit www.americanexpress.com.au