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Back Benefits Accepted at over 29 million locations around the world Easy access to your savings in Australia or when overseas, wherever MasterCard is accepted. A flexible payment method for online, telephone and mail-order shopping. No fees - other than those associated with the linked bank account. Protection for your Money Protection from card fraud - the FalconTM security system highlights unusual purchase activity on your card and then has someone contact you about it. Internet Shopping Guarantee - you are covered against fraudulent transactions, using your Westpac Debit MasterCard details, carried out online without your consent, whatever the amount. Control Link to all Westpac consumer deposit accounts other than Max-I Direct and Term Deposits. Use your own money. No credit debt. Features Annual Fee ($): 0.00 Annual Interest Rate (%): Interest Free Days (up to): 0 Additional Cards: Cash Advance Facility: no How to Apply Apply online at www.westpac.com.au Over the phone on 1300 651 089 Or at any Westpac Branch. For Further Information Cards Customer Service Call Centre 1300 651 089

"Information current as at 11 September 2006. Westpac Banking Corporation is the issuer of Westpac Debit MasterCards. A Product Disclosure Statement (PDS) is available for this product. You can obtain a copy by calling 132 032, visiting westpac.com.au or by visiting any of our branches. You should consider the PDS before making any decision in relation to this product. Westpac Banking Corporation ABN 33 007 457 141."