Introducing ANZ Business One Rewards Options

INcludINg ANZ BusINess ONe RewARds OptIONs pROgRAm teRms ANd cONdItIONs

* Reward Points and Bonus Reward Points accrue in accordance with the terms enclosed in this document. Purchases exclude cash equivalent transactions.

welcome

We’re delighted you have chosen ANZ Business One Rewards Options, the business credit card account that gives you access to a great range of easy to achieve rewards. ANZ Business One Rewards Options is the ideal way to earn a range of flexible rewards for your business. Get rewards the easy way with ANZ Business One Rewards Options.

Enjoy your new ANZ Business One Rewards Options.

got a question?Call us on 13 10 06 or visit anz.com

ANZ Business One Rewards Options ANZ Business One Rewards Options is a business credit card that rewards you for making day to day business purchases. It allows your business to earn unlimited Rewards Points. The more you spend, the more points you have to redeem.

Earn unlimited rewards with one Rewards Point* for every $1.00 spent on purchases using your ANZ Business One Rewards Options Card.

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Rewards designed for your business

Your ANZ Business One Rewards Options provides you with a range of rewards to redeem using your Rewards Points, including:

• Shoppingrewards,includingGiftCardsandvouchers from a range of leading retailers.

• Gifts,accessoriesanditemsforyourbusiness.

• Thelatestin-homeentertainmentandelectronics, including digital cameras, DVDs and more.

• ANZCashbackandANZVisaGiftCards.

• Frequentflyerpoints–membersoftheQantasFrequentFlyer,Velocity,AirNewZealandAirpoints,CathayPacificAsiaMilesorSingaporeKrisFlyerfrequentflyerprogramcanredeemReward Points for frequent flyer points in those programs#

• ANZHolidayRewards®,aflexibleover-the-phoneand online travel service that opens up a world of travel options.

# Terms and Conditions apply. A Nominated Cardholder must be a member of the applicable frequent flyer program to redeem Reward Points for frequent flyer points.Redemptionthresholdsapply.Frequenttravellerdetailsmustbeenteredonline at time of redemption in order to transfer points to the frequent flyer program.Seewww.anz.com/businessrewardsfordetails.®RegisteredtoAustraliaandNewZealandBankingGroupLimited.ANZHolidayRewardsisprovidedbyPinpointTravelGroupPtyLtd.LicNo2TA002974.

Register your Rewards account online to start redeeming!

Register your Rewards account by visiting www.anz.com/businessrewards.Onceyouregisteryoucanstartredeeming. With exclusive access to your own personal hub on the ANZ Business One Rewards Options website, you’ll be able to check your Reward Points balance, shop for even more rewards and take advantage of special offers, events and competitions.

made easyANZ Business One Rewards Options makes it easy to get what you want, how you want it. Choose from the following:

1. Redeem your way.You can also keep your options open and select a different reward every time.

2. Redeem automatically.Setandforgettoenjoyhassle-freerewards.Youcanredeem periodically or annually.

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3 YoumustbeamemberoftheQantasFrequentFlyerProgramtoredeemRewardPointsforQantasFrequentFlyerpoints.MembershipoftheQantasFrequentFlyerprogramissubjecttotheRulesandTermsandConditionsoftheQantasFrequentFlyerProgram.Ajoiningfeeapplies.^Auto-RedemptionisonlyavailableonselectrewardsonRewardsPointsonlyredemptions.Itcantakeupto28daysforyourrewardtobesenttoyouonceyouqualifyfortheAuto-Redemption.FortheAnnualandPeriodicAuto-Redemptionoptions,atthetimeoftheAuto-Redemptionyouwillreceiveasmanyofyourselected rewards that you are eligible for with your Rewards Point balance at that time.FortheAnnualAuto-Redemptionoption,therewardwillbesenttoyouupto28daysafterthedateyounominate.TochangeorcancelfutureAuto-Redemptionoptionsvisitwww.anz.com/businessrewards.IfanAuto-Redemptionhasbeenprocessed,anychangesmadetoAuto-Redemptionpreferenceswillonlybeapplicable for future redemptions.

choose how often you would like to be rewarded

Redeem your Reward Points at your convenience once they have accumulated. Visit www.anz.com/businessrewardsorcall1300361657,MondaytoFriday9amto5pmAustralianlocaltime.Alternatively,selectfromarangeofauto-redemptionoptions.

1. Annual Auto-Redemption^

Choose a date when you wish to redeem your Reward Points every year for select rewards. The date you choose for the annual redemption option is up to you.

2. period Auto-Redemption^

RedeemyourRewardPointsevery3,6or12months. IfyouwishtoredeemQantasFrequentFlyerpointsyou can redeem your Rewards Points every 1 month.3

3. Reward Value Auto-Redemption^

Arrange to automatically receive select rewards when youhaveaccumulatedsufficientRewardPoints.Forexample, you could choose to receive a $100 Gift Card as soon as you have enough Reward Points to redeem that reward.

choose how you would like to earn Rewards points

As the Client, you can choose to consolidate Reward Points to one Points Record that will accumulate all points earned on purchases across every card under a Billing Account.

If you prefer to have more than one person earn and redeem Rewards Points, you can choose to have a separate Points Record for each Cardholder. Every Cardholder will accumulate points earned on purchases on their own card.

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ANZ Business One Rewards Options terms and conditions:

when these terms and conditions apply1. If you are a new Client or Nominated Cardholder,

or the Client has elected to transfer from another ANZ Business One product option to Rewards Options these terms and conditions will apply when:

• weadvisetheClientthattheapplicationtojoin the Rewards Program has been successful; and

• theClientfirstusestheANZBusinessOneBilling Account or the Cardholder first uses the Card in accordance with the ANZ Commercial Card Terms and Conditions after we have advised that the application to join the Rewards Program has been successful.

eligibility2. TheClientandanyNominatedCardholdersare

eligible for the Rewards Program if the Client selected ANZ Business One Rewards Options at the time of application for the relevant Billing Account, or if the Client has submitted a request in writing to ANZ to transfer to ANZ Business One Rewards Options from another ANZ Business One product option.

3. If the Client elects to join the Rewards Program for the relevant Billing Account, no other product option can be applied to the Billing Account.

4. IfANZincursalossonanindividualBillingAccount, ANZ may suspend or exclude the Client any Nominated Cardholders from participating in the Rewards Program.

Nomination of cardholder(s)5. TheClientisrequiredtochoosewhetherthe

Client or Cardholders will have a Points Record established in their names. A Nominated Cardholder may be:

• ACardholderwhoisnominatedbytheClient;or

• TheClient,ifnoCardholdersarenominatedbythe Client.

6. The Client may change its election to nominate, or to not nominate all Cardholders, only once in any12monthperiod,unlessotherwiseadvisedinwriting by ANZ.

earning Reward points7. RewardPointsareusedtodeterminewhenyou

become entitled to a Reward and can only accrue to Nominated Cardholders. Reward Points do not accrue to Cardholders who are not Nominated Cardholders and all Reward Points earned as a result of spend by Cardholders who are not Nominated Cardholders will accrue to the Nominated Cardholder for the Billing Account.

8. RewardPointsaccruedailyandwillbevisibleontherelevantPointsRecord(s)upto5businessdays after a transaction has been processed by ANZ.

9. ThenumberofRewardPointsyoucouldearn per Australian dollar spent can be viewed at http://www.anz.com/businessrewardsatanytime. If at any time the number of Reward Points you could earn per dollar spent increases or decreases, ANZ is not required to provide advice ofthisinwriting.Call1300361657forthenumber of Reward Points you currently earn per dollar spent. Reward Points earned are subject to the exclusions set out in clauses 10 and 11.

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10. You may earn Bonus Reward Points by using your Card or Billing Account to purchase qualifying goods and services from a Bonus Partner, subject to the limitations in clauses 10 and 11. The number of Bonus Reward Points you will receive from a Bonus Partner will be specified on http://www.anz.com/businessrewards

11. You will not earn Reward Points on interest charges; government charges; bank fees; cash advances (as defined in the ANZ Commercial Cards Terms and Conditions), cash equivalent transactions, balance transfers and Billing Account adjustments resulting from disputed transactions.

12. YouwillnotearnRewardPointsifyourCardorthe Billing Account is suspended or if you breach or any Cardholder or Nominated Cardholder breaches these terms and conditions or the ANZ Commercial Cards Terms and Conditions.

13. When the Client, obtains a refund, a reimbursement for charges previously incurred (for example for returned merchandise) or a chargeback is made to the Billing Account, this will cause Reward Points to be debited from the Points Record of the relevant Nominated Cardholder. The number of Reward Points deducted from the Points Record will be calculated by reference to the rate at which Reward Points were being earned at the time the reimbursement was processed by ANZ.

14. ANZhastherighttoestablishadditionalmeansofearning Reward Points or to delete, limit or modify any or all of the means currently recognised to earn Reward Points at its sole discretion. ANZ may exclude specific types of transactions from the accumulation of Reward Points.

Reward points are not property15. RewardPointsmaynotbetransferredorsold.

16. Reward Points are not property, have no monetary value, are not convertible and can only be used to claim Rewards. There will be no refunds for Reward Points that are not used to claim a Reward.

points expiry17. RewardPointsmustbeusedtoclaimaReward

within 36 months of 31 December of the year in which the Reward Points were added to a Points Record. Reward Points that remain unused after that period will be cancelled.

18. IntheeventyourCardoryourBillingAccountiscancelled, any Reward Points that remain unused mustbeusedwithin90daysofthedateofcancellation. Reward Points that remain unused after that period will be cancelled.

19. IntheeventtheRewardsProgramisterminated,we will notify you of termination and any claim foraRewardmustbemadewithin90daysofthedate of termination.

20. WemayalsocancelRewardPointsatoursolediscretion if:

• theBillingAccountorCardissuspended,inarrears or default,

• youbreachoranyNominatedCardholderorthe Client breaches these terms and conditions or the ANZ Commercial Cards Terms and Conditions;

• ANZreasonablysuspectsyouortheClientareoperating the Billing Account or Card fraudulently;

• youdieortheClientis,orislikelytobe,insolvent; or

• youortheClientwerenevereligiblefortheRewards Program or the Points were incorrectly allocated to your Points Record.

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Rewards statement21. YouwillreceiveaRewardsStatementquarterlyif

there has been activity on your Points Record in the prior quarter or you have Reward Points due to expire in the current quarter. ANZ may vary the frequencyandformatoftheRewardsStatementwithout notice.

22. IfyousuccessfullyregistertoreceiverewardseStatements,paperRewardsStatementswillnotbe sent to you for your ANZ Business One RewardsOptionsaccount.Ifyoude-registerfromreceivingrewardseStatements,quarterlyRewardsStatementswillrecommenceaspaperRewardsStatements.

Rewards23. RewardsandthenumberofRewardPoints

required to claim a Reward are set out at http://www.anz.com/businessrewards

24. Specialtermsandconditionsmayapplytoindividual Rewards and they will be advised to youathttp://www.anz.com/businessrewards or by notice from ANZ.

claiming Rewards25. OnlytheNominatedCardholdermayclaim

Rewards.

26. YourentitlementtoclaimRewardsisbasedonthe Points Record in relation to your Card or Billing Account. If the Billing Account is in arrears, suspension or default, has an overdue amount, or if the Billing Account or a Card is being used fraudulently or is suspected to be being used fraudulently, no Rewards will be claimable.

27. RewardPointsusedtoclaimaRewardwillbededucted from your Points Record at the time we receive your request to claim a Reward. The adjustment will be reflected immediately on your Points Record and will be reflected in your next RewardsStatement.

28. Youmayusetheoptionof`PointsPlusPay’toredeem selected Rewards. This means that you use Reward Points and also pay a monetary amount by debiting a credit card of your choice to claim a Reward. http://www.anz.com/businessrewardswilloutline Rewards for which you can use this option. Alternatively, call the ANZ Business OneRewardsCentreon1300361657for more information.

29. TheprocedureforclaimingRewardsissetoutinthe “Introducing ANZ Business One Rewards Options” booklet. All Rewards are subject to availability and substitutions may be necessary. Specialconditionsmayapplyinrelationtoindividual Rewards.

30. Before seeking to claim a Reward, you should review the Rewards on http://www.anz.com/businessrewards

31. Once a request for a Reward has been made, it cannot be cancelled or changed for a Reward of any other form. Unless we advise otherwise, Rewards cannot be returned for Reward Points to a Points Record, cashed in or exchanged. Rewards also cannot be replaced if lost, stolen or otherwise destroyed.

32. Rewardswillbesentbymailtotheaddresslastnotified by Nominated Cardholder to ANZ. Neither ANZ nor its Points Provider will be responsible for any lost or delayed mail. Unless we advise in writing otherwise, Rewards will not be delivered to an address outside Australia.

33. The oldest Points in the Nominated Cardholder’s Points Record will be deducted first when a Reward is claimed.

34. AllenquiriesregardingRewardsStatementsmustbemadetotheRewardsCentrewithin90daysofthe date of issue.

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changes to Rewards and these terms and conditions35. Wemaychangethis“IntroducingANZBusiness

One Rewards Options” booklet, at any time.

36. Bonus Partners have the right to make changes at any time without notice to the goods or services which are qualifying goods or services and the number of Bonus Reward Points that you will receive as a result of acquiring those goods or services. Bonus Partners may change without notice.

37. Wemayatanytimeandinourdiscretionwithoutnotice withdraw, limit, modify, cancel or increase the continued availability of any Reward or the number of Reward Points required to claim a particular Reward, even though changes may affect Points already accumulated.

38. Weexpresslyreservetherighttolimitthenumberof multiple Rewards of any one type which you may claim at any time or from time to time.

39. Wemaychangeoramendthesetermsandconditions at any time. The Client will be notified in writing of changes to these terms and conditions at least 30 days before that change takes effect.

what we are not liable for40. Exceptasprovidedinanylawwhichcannot

lawfully be excluded or modified by agreement we:

• makenowarrantiesorrepresentationseitherexpress or implied and expressly disclaim any and all liabilities (including for consequential damages) with respect to type, quality, standard or fitness or suitability for any purpose of the Rewards;

• arenotresponsiblefortheloss,theftordestruction of Rewards;

• donotacceptanyliabilitywithrespecttoanyloss arising from the supply of a Reward;

• arenotliableforanydelayorinabilitytoprovide any Rewards caused by circumstances beyond our control including strikes, industrial disputes or acts of God.

41. Intheeventthatweareliableforbreachofanyterm implied by law, we limit that liability where we are entitled to so do to:

• replacementorrepairoftheRewardorpayment of the cost of replacing or repairing the Reward; and

• supplyingtheservicesagainorpaymentofthecost of having the services supplied again.

42. SubjecttotheseTermsandConditions,Rewardsare obtained from Points Providers by ANZ on behalf of the Client or Nominated Cardholder claiming the Reward. The rights (if any) which the Client or Nominated Cardholder may have in connection with a Reward are solely against the supplier of the Reward. The Client or Nominated Cardholder may contact the Rewards Centre to assist in the resolution of any dispute with a supplier of the Reward.

disputes43. AllenquiriesregardingRewardsStatementsmust

bemadewithin90daysofthedateofthestatement. Otherwise, any questions or disputes mustbebroughttoourattentionwithin12months of the incident first giving rise to the question or dispute.

44. Allquestionsordisputesmustbesubmittedinwriting to the ANZ Business One Rewards Centre and, where relevant, be accompanied by a legible copy of the relevant sales receipt or Billing Account statements.

45. Ifyouarenotsatisfiedwithourresponsetoyourquestion or dispute, you may access our complaints handling procedure, which is set out in the ANZ Commercial Cards Terms and Conditions.

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general46. Ifyou,theClientoranyotherNominated

Cardholder or Cardholder breaches the ANZ Commercial Cards Terms and Conditions or these terms and conditions, ANZ may suspend or excludetheClientand/oryoufromparticipatingin the Rewards Program.

47. Anytaxliability(including,butnotlimitedto,Australian income tax, fringe benefits tax, goods and services tax payroll tax and stamp duty), other duties, other government charge or reporting requirement in connection with or on any benefit derived by you from the use of a BillingAccountand/orCardbyyouorreceiptofaReward is the responsibility of you or the Client.

48. BonusPartnersotherthanANZarenotresponsible for the management, operation or administration of the Rewards Program.

49. YoumayrequestfurtherdetailsabouttheRewardsProgrambycalling1300361657.

50. TheAustralianSecuritiesandInvestmentsCommission has granted us relief from certain provisionsoftheCorporationsAct2001relatingtomanagedinvestmentsandnon-cashpaymentfacilities. The relief granted means that the Rewards Program is not required to be registered as a managed investment scheme or treated as a non-cashpaymentfacilityandthelicensing,financial services disclosure and product disclosure provisions do not apply to the Rewards Program.

Bonus partner terms and conditions51. OnlygoodsandservicespurchasedinAustraliaat

Bonus Partners are eligible for Bonus Reward Points.

52. WhereaBonusPartnerarranges,organisesorbooks a good or service provided by another Bonus Partner, and you only transact with the first Bonus Partner, Bonus Reward Points will only be earned in respect of your transactions with the first mentioned Bonus Partner.

Accommodation53. BonusRewardPointsarenotearnedon

franchised and external services booked through ahotelandchargedtotheBillingAccountand/or Card.

promotional offers54. YouwillearnPromotionalRewardPointssubject

to meeting eligibility criteria for limited offers made by ANZ to the Nominated Cardholders.

collection of information55. ANZmayseekaccessto,collectanduseor

disclose information as to:

• TransactionsoreventsresultinginRewardPoints being credit or debited;

• InformationaboutthenumberofsuchPointsaccumulated and any information relating to the Rewards Program subsequently disclosed by the Client or Nominated Cardholder;

• ForthepurposeofadministeringtheANZBusiness One Rewards Options Rewards Program and the provision or performance of services.Suchinformationmayalsobeusedfor planning, research, promotion or marketing of goods, services, or products of ANZ or any Points Provider.

56. TheClientandNominatedCardholderspecificallyauthorise ANZ and any of its agents or contractors and Points Providers to seek access to, collect or use the information outlined above and disclose that information between themselves, for the above purposes.

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definitions for ANZ Rewards – Rewards program

terms and conditions‘ANZ’ means Australia and New Zealand Banking GroupLimited.

‘Billing Account’ means the central account or accountsfortheFacilityforwhichtheClientisliablefor any credit extended.

‘Bonus partner’ means any person who agrees to provide Bonus Reward Points.

‘Bonus Reward points’ means the additional Reward Points that are earned for spend on qualifying goods and services at Bonus Partners, in addition to the standard Reward Points earned for spend on the Card in accordance with these terms and conditions.

‘card’ means an ANZ Business One Rewards Options card or any other card as may be notified to the Client or you as being a card for the purposes of these terms and conditions.

‘cardholder’ means an individual to whom a Card is issued at request of the Client and who is authorised totransactontheBillingAccountfortheFacility.

‘cash equivalent transaction’ means a foreign exchange, travellers cheque and gambling purchases, and utility bills paid in person at a bank or Australia Post.

‘client’ means the limited company, partnership, sole proprietor, trust, incorporated entity or association whohasappliedforaFacility.

‘Facility’ means an ANZ Business One Rewards OptionsFacility.

‘Nominated cardholder’ or ‘you’ means a Cardholder in whose name a Points Record has been established or, if no such Cardholders are nominated, the Client.

‘points provider’ means ANZ and any other organisationwhoagreestoprovidePointsand/orprovide Rewards.

‘points Record’ means a record in relation to a Billing Account or Card for the purpose of determining when you become entitled to a claim a Reward.

‘Rewards program’ means the ANZ Business One Rewards Options rewards program.

‘promotional Reward points’ means the additional Reward Points earned from limited promotional offers made by ANZ from time to time in accordance with these terms and conditions.

‘Reward’ means a reward, gift, bonus, good or service or other benefit obtained by you through the accumulation of Reward Points through use of the BillingAccountand/orCard.

‘Rewards catalogue’ means the listing published from time to time by ANZ of the Rewards that may be claimed by a Nominated Cardholder in accordance with these terms and conditions and any terms and conditions in the Rewards Catalogue.

‘Rewards centre’ means the centre maintained by ANZand/oritsagentsandcontractors,toadministeraspectsoftheBillingAccountand/orCardrelatingtoRewards, Points Records, these terms and conditions, newsletters, the rewards database and Rewards Statements.

‘Reward points’ or ‘points’ means points added to or subtracted from a Points Record in accordance with these terms and conditions.

‘Rewards statement’ means the summary of Reward Points in the Nominated Cardholder’s Points Record, including the number of Reward Points accrued.

‘we’, ‘us’ or ‘our’meansANZRewardsNo2PtyLimitedandAustraliaandNewZealandBankingGroupLimited.

‘you’ means the Nominated Cardholder.

ANZRewardsNo2PtyLimited(ABN41082713915) AustraliaandNewZealandBankingGroupLimited (ABN11005357522).

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Australia and New

Zealand Banking group lim

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11 005 357 522.AustralianCreditLicenceNum

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