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Back Overview The BusinessChoice Everyday Credit Card gives you finance at your fingertips for day-to-day expenses, plus additional funds for those important but unexpected business projects. More importantly, it lets you choose how you want your cash to flow by now having the option of paying a minimum amount instead of clearing the balance each month.1 That's flexibility. That's convenience. Key Benefits Accepted at over 29 million locations around the world Low variable purchase interest rate of 13.14% p.a. Variable cash advance interest rate of 18.85% p.a. Up to 45 days interest-free on credit purchases2 Competitive annual card fees of $75 per card Up to 10 cards per facility with individual credit card limits Convenient online management 24/7 and Set your own spending limits and choose from multiple payment options including phone, Internet, Westpac ATM, in-branch or Card Auto Pay Get a complete overview of multiple cardholder spending for the Principal cardholder/s, view up-to-date account balances, download statements and monitor your transaction history Be protected by Liability Insurance and Complimentary Transit Accident and Flight Inconvenience Insurance cover.3 Extra security with Cardshield® to guard against fraud with Online Transaction Security Guarantee, 24/7 Falcon™ fraud protection monitoring every transaction for irregular activity and Chip technology giving access to a leading credit card security platform. Features Annual card fees : $75 per card Cash Advance interest rate (%): 18.85 Annual Interest Rate (%): 13.14 Interest Free Days (up to): 45 Additional Cards: Yes up to 10 cards per facility Products and services described here are only available in Australia. Fees and charges apply. Full details of all terms and conditions are available on application. These may be varied, or new terms and conditions introduced, in the future. Terms and conditions Credit card applications are subject to the Bank's normal lending criteria. For more information on these cards call 1300 650107 and download the BusinessChoice Terms & Conditions Apply Now Apply at the Westpac website www.westpac.com.au For Further Information Call Business Direct on 132 772

¹ Pay monthly minimum outstanding balance of 3% or $10 whichever is higher.

² On credit purchases only, where account balance (including any balance transfer amount) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.

³ Insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each of those policies. The benefits of the insurance covers are extended to Westpac's accountholders or cardholders as relevant (as third party beneficiaries) as complimentary benefits. The account holder or cardholder is under no obligation to accept the benefits of the covers and cover is subject to the terms and conditions of the policies. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must comply with the insurance terms and conditions. No Westpac group company has any liability in connection with the insurance policies. The Commercial Card Insurance Policy may be obtained by calling 1300 367 228 or by downloading the Commercial Card Insurance Policy.