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Back Rewards Overview A National Gold Credit Card is the only credit card that allows you to have the choice of linking your card to either Fly Buys or the National Gold Rewards Program*, but not to both. With a National Gold Credit Card, you can earn Fly Buys points for every purchase** you make - points can be used toward a range of great rewards such as shopping vouchers, accommodation, dining vouchers and flights. * Please refer to the National Gold Rewards Program Terms and Conditions for minimum point redemption levels and for more information a copy is available upon request from the National. An annual Program Membership Fee of $57.20 applies per linked National Gold card customer. ** Purchases are calculated as total credit purchases less sales credits (i.e. returns) and adjustments during a statement period. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office), when a card is used to purchase travellers cheques, or as a debit card to access linked accounts. Business transactions are also excluded as are credit charges, annual and other National fees, government charges or unauthorised transactions for which the cardholder is not liable. Key Benefits Accepted at over 29 million locations around the world National Gold Overseas Travel Insurance.* Purchase at least 50% of your pre-trip travel costs on your National Gold MasterCard and you'll be covered for events such as cancellation, overseas medical expenses, lost luggage or travel documents. Card protection. Protect your National MasterCard and all other cards in your wallet with Lost Card Cover.** Purchase protection. Protect your National Gold MasterCard purchases against damage, loss or theft for 90 days with National Purchase Cover.+ Payment protection. Enjoy the peace of mind that monthly repayments on your National MasterCard can be covered in situations where financially you might not otherwise be able to meet those repayments with National Credit Card Cover.++ Features Annual Fee ($): Gold MasterCard $90.00 Annual Interest Rate (%): Gold MasterCard 17.89% Interest Free Days (up to): Up to 45 days Additional Cards: One free additional card Cash Advance Facility: yes Bonus Partners Double your Fly Buys points If you shop at participating Fly Buys outlets you can earn points twice - once from the National and once from the participating outlet.* * Minimum thresholds apply Rewards Scheme With Fly Buys you can earn 1 point for every $5 of purchases, or 2 points for every $5 of purchases over $500 (not including the first $500). Plus you can earn points twice - once from the National and once from the outlet, when you use your National MasterCard and present your Fly Buys card upon payment. For Further Information Visit the National Australia Bank website at www.national.com.au

Please note: Fees and charges may be payable. Full details of the relevant terms and conditions are available on application. Fly Buys is a registered trademark of Loyalty Pacific Pty Ltd ABN 82 057 931 334

* This is only a brief summary of the benefits and exclusions may apply. National Gold Overseas Travel Insurance is underwritten by American Home Assurance Company ABN 67 007 483 267. For further information call 1800 339 667.

** This is only a brief summary of the benefits. For more information, please call Card Alert on 1800 338 897. Lost Card Cover is issued by Card Alert Pty Ltd ABN 82 003 249 885 of Level 7, 20 Loftus Street, Sydney, NSW, 2000.

+ This is only a brief summary of the benefits and exclusions may apply. Purchase Cover is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 of 5 Blue Street, North Sydney, NSW, 2060.

++ This is only a brief summary of the benefits and exclusions may apply. You should refer to the relevant policy documents available on application. National Credit Card Cover is issued and administered by National Australia Financial Management Limited ABN 56 000 176 116 of 91-97 William Street, Melbourne Victoria 3000, Neither National Australia Bank Limited nor any other company in the National Australia Bank Group (with the exception of National Australia Financial Management Limited, as insurer), guarantees or accepts any liability for National Credit Card Cover.

Neither National Australia Bank Limited ABN 12 004 044 937 nor any other company in the National Australia Bank Group, guarantees or accepts liability in respect of Purchase Cover, National Credit Card Cover or National Gold Overseas Travel Insurance as described above.