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Back Rewards Overview For every dollar you spend, you enjoy one reward point2 which can be redeemed for a large range of travel rewards, merchandise, gift cards or cashback on your card. In addition, your reward points never expire while the card remains open. Key Benefits Accepted at over 29 million locations around the world Low introductory interest rate of 2.9% for 12 months1 Higher Credit Limits – up to $60,0006 Access to Citibank World Privileges4 - It's your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide. With everything from glorious weekends away to sumptuous dinners in Australia's finest restaurants, you'll find something to tempt you. Citibank Take Flight3 - use your Rewards points to fly any airline, anytime. Earn 1 point for every dollar you spend Complimentary International Travel Insurance5 for you and your family Complimentary Purchase Cover5 - use your Citibank Gold Card for personal items and have them repaired or replaced when lost, damaged or stolen up to 90 days after purchase. Features Annual Fee ($): $119 for primary card + $30 for additional card Annual Interest Rate (%): Currently 19.99% Interest Free Days (up to): Up to 55 days Additional Cards: Up to 4 Cash Advance Facility: yes Rewards Scheme $1 in purchases = 1 Rewards points Apply Now Apply online at www.citibank.com.au For Further Information 13 24 84

1. The 2.9% p.a. interest rate applies only to balances transferred with this offer for a period of 12 months. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate. The standard Citibank Gold credit card rate is currently 19.99%p.a, which is variable, subject to change and Citibank's credit criteria. Interest rates last updated 1/12/2008.

2. Rewards are subject to the Citi Rewards Terms and Conditions. Reward points are not earned on balance transfers or cash advances. Reward points never expire while the card remains open.

3. Citibank Take Flight® is the service which enables you to redeem Rewards points for Take Flight® Cashback, Travel Vouchers and other nominated travel Rewards offered by Citi Rewards from time to time. Take Flight® Cashback is a Cashback with the following additional conditions: In order to be eligible to redeem Reward points for Take Flight® Cashback, You must have made a travel purchase (where a flight or airline ticket is an element of that travel purchase) on Your Card within 30 days immediately before the date of your request to redeem for Take Flight® Cashback (referred to from this point as the "Travel Purchase"). The maximum amount in Take Flight® Cashback that You may redeem Reward points for is an amount equivalent to the dollar value of the Travel Purchase. For a Take Flight® Cashback Rewards claim, you must redeem the minimum number of Reward points specified by Citibank before or at the time of the redemption. You should allow up to 28 days for Your Take Flight® Cashback to be processed. The amount of any Take Flight® Cashback is set off against the outstanding balance of Your Account on Your next Statement due date.

4. Citibank World Privileges - payment must be made using Citibank Credit Cards. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank and the business establishment reserve the right to change the terms and conditions at any time. Refer to worldprivileges.citibank.com for up to date offer details.

5. International Travel Insurance and Purchase Cover Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au. An excess applies to Purchase Cover Insurance.

6. Actual credit limit will be assigned based on Citibank's credit criteria.

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Citibank is a registered service mark of Citicorp or Citibank, N.A.