Help rewards you for doing business.BusinessChoice Rewards Platinum Card.

Effective: 1 June 2018.

Contents.Be rewarded for doing business ............................................. 1

Flexible payment options to help you manage your cash flow. ................................................................................. 1

Manage your account online for greater convenience .....................................................................................2

Multiple cardholders per facility ............................................2

Earn Qantas Points with your new BusinessChoice Rewards Platinum Visa Card ....................................................4

Complimentary insurances to help protect you and your business ..................................................................................4

Extra security for greater peace of mind ..........................6

Contactless technology – a faster way to pay ................7

Additional benefits. ......................................................................7

Exclusive Platinum privileges ..................................................8

1

Be rewarded for doing business.Enjoy your BusinessChoice Rewards Platinum Visa Card, with finance at your fingertips up to your card limit, it provides you with the ability to turn everyday business spending into Qantas Points1.

Your card also features a host of complimentary insurance covers2 and other special benefits. Doing business has never been more rewarding.

Flexible payment options to help you manage your cash flow.Unlike a charge card facility, the Principal(s) of your BusinessChoice Rewards Platinum Visa Card facility does not incur the monthly account balance in full each month. The BusinessChoice Rewards Platinum Visa Card offers flexibility when it comes to managing business cash flow. Every month, the Principal(s) can choose to make the minimum payment (3% of the closing balance or $10, whichever is greater3) or to pay the entire outstanding balance. Business cash flow needs can be easily prioritised.

Extend your cash flow by up to 55 days.

Your card comes with up to 55 days interest free4 on credit purchases provided the total closing balance of the facility is paid in full by the statement due date each month.

If you set up the recurring payments on your card and they occur at different points in the statement period, you may not be making full use of the benefit of your interest-free days. By instructing your service providers to debit your card as soon after the statement date as you can, you could better utilise these interest-free days to improve your cash flow.

Discover the many ways your new BusinessChoice Rewards Platinum Visa Card can help you do business better.

2

Manage your account online for greater convenience. With your BusinessChoice Rewards Platinum Visa Card you can manage your account more conveniently from your computer through Business Online Banking.

As a cardholder:

• View up-to-date account balances and transaction history online whenever you like to stay on top of your cash flow and expenses.

As a principal:

• Get a complete overview of multiple cardholder spending quickly and easily through your monthly account statement.

• Export your transaction history into MYOB and BAS in no time at all.

• Visit westpac.com.au/managemybusinesscard any time and register for Business Online Banking.

Multiple cardholders per facility. • The BusinessChoice facility supports multiple cardholders for easier and more efficient management of business expenses.

• Credit limits are allocated on a per-card basis5.

3

4

Earn Qantas Points with your new BusinessChoice Rewards Platinum Visa Card.What is the Qantas Business Rewards program?

The Qantas Business Rewards program offers the opportunity for Australian based businesses to earn Qantas Points1, which can be transferred to any individual Qantas Frequent Flyer account. Once transferred, you can redeem Qantas Points to reward your employees or yourself with flights and upgrades, Qantas Club membership and much more1. For more information on redeeming Qantas Points visit qantaspoints.com

Not currently a member?

Don’t worry. Westpac has arranged for your business to have the opportunity to enjoy complimentary membership when you join Qantas Business Rewards program using this link qantasbusinessrewards.com/westpacjoin

Business Owner(s) determine how the points are allocated to the business and/or the employees.

Complimentary insurances2 to help protect you and your business.With BusinessChoice Rewards, you receive a range of complimentary insurance covers2 that help protect you and your business in a number of ways.

Please check the Westpac Business Credit Cards Complimentary Insurance Policy for full details.

In accordance with the policy, cover includes:

Travel-related insurances.Complimentary overseas travel insurance2.

Provides cover for you, your spouse and certain dependent children for overseas trips up to three months, where you each satisfy the eligibility conditions set out in the policy including pre-pay travel costs using your card prior to leaving Australia.

5

Complimentary interstate flight inconvenience insurance2.

Be covered for specified flight delays, loss or damage to personal items and more when flying interstate in Australia, for trips of up to 14 days when the cost of your fare is charged to your card.

Complimentary cardholder’s transit accident insurance2.

Be protected against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry as outlined in the policy, when you have paid for your trip using your card.

Business-related insurances.Complimentary account holder’s unauthorised transaction insurance2.

If you are the Principal and the account holder of the BusinessChoice Rewards facility, you have automatic protection against unauthorised transactions made by cardholders up to $20,000 cover per cardholder and $150,000 per account holder for any unauthorised transactions in a 12-month period.

Complimentary account holder’s business inconvenience insurance2.

Account holders are covered as specified in the policy, for up to $10,000 a year if business premises are invaded, and up to $10,500 for recruitment expenses incurred for replacement of a cardholder unable to continue their employment.

Purchase-related insurances.Complimentary purchase security insurance2.

Be covered for up to 90 days from the date of the purchase against specified loss, theft or damage to business items or personal goods purchased anywhere in the world using your card.

Complimentary extended warranty insurance2.

Pay with your card to extend the manufacturer’s expressed Australian warranty on business items by up to three months and personal goods by up to 12 months.

6

Complimentary account holder’s guaranteed pricing scheme2.

Use your card to purchase business items or personal goods up to the value of $350 anywhere in Australia, and if you are the account holder of the BusinessChoice Rewards facility, you’re guaranteed the best price on the market for that product model.

Extra security for greater peace of mind. • Fraud money back guarantee. Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.

• Extra security when shopping online. When shopping with participating online retailers, Verified by Visa service work with Westpac to authenticate your transaction using a ‘One Time Password’ to ensure that it is really you making the purchase. This additional layer of security is provided to you free of charge through Westpac’s Added Online Security service.

• Chip technology. An embedded microchip which will give you access to the globe’s leading credit card security platform.

• Disputed purchases. If you do not recognise a transaction on your statement, call us immediately on 1300 791 188.

• Lost or stolen cards. If you lose your card or it gets stolen, notify us immediately so we can stop all transactions on your account. We’ll aim to get you a replacement within two working days.

– While in Australia call 1300 791 188.

– While overseas call +61 2 9155 7718.

– While overseas you can also apply for a cash advance up to $500. Courier costs apply for overseas delivery4.

7

Contactless technology – a faster way to pay. Your new BusinessChoice Rewards Platinum Visa Card comes equipped with the latest in contactless technology, giving you the freedom to be on the move faster. You simply hold your card against the contactless terminal and once the purchase is approved, you’re on your way. Of course you can still swipe or insert your card at the terminal, you’ll just have to enter your PIN or sign (if this option is available).

Additional benefits.Worldwide acceptance.Your BusinessChoice Rewards Platinum Visa Card give you the convenience of being accepted at over 35 million locations worldwide.

Flexible payment methods.BusinessChoice facility payments can be made by phone, internet, a Westpac ATM, branch or post your statement slip and cheque to Cards, GPO Box 4220 Sydney NSW 2001.

Payments can also be made using Card Autopay. It’s a free service that automatically pays a nominated amount to your card monthly. You can choose to pay the full balance, a percentage of the balance, or the full amount.

To apply for Card Autopay, or to complete the form go to westpac.com.au/managemybusinesscard

8

Exclusive Platinum privileges. As a BusinessChoice Rewards Platinum cardholder, you can gain automatic access to these exceptional benefits.

Westpac Concierge. You’ll have access to a dedicated Concierge service that’s ready to assist with any request you may have, from booking flights, accommodation or making dinner reservations. On-call 24/7, Westpac Concierge will take care of your requests, while you take care of your business.

Visa Entertainment.Experience another side to your Visa Card with Visa Entertainment. Access ticket pre-sales to concerts, musicals and sporting events, exclusive member promotions and more. Sign up today for free at visaentertainment.com.au

Things you should know: Information correct as at 1 June 2018. 1. Qantas Points accrue at a business level and are credited to the business’ Qantas Business Rewards membership account. The earning of Qantas Points for your business is subject to the BusinessChoice Rewards Card Qantas Business Rewards Terms and Conditions. To earn and redeem points, you must be a member of the Qantas Business Rewards program and provide your business’ ABN to Westpac. Membership is subject to the Qantas Business Rewards Terms and Conditions. Refer to qantas.com/business for more information. Points are earned on purchases and not cash advances. You also do not receive points if the billing account is in arrears or over limit on the posting date of a purchase transaction and in certain other circumstances. Refer to your BusinessChoice Rewards Card Qantas Business Rewards Terms and Conditions for what we regard as cash advances and for more details. 2. AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 650 107 or download it from westpac.com.au 3. Plus the greater of any unpaid past due amounts from previous statements or any amount that exceeds the Business credit limit. 4. Up to 55 days interest free on all credit purchases where your entire closing balance (including any balance transfer amount or other promotional amount) is paid in full by the due date each month. There is no interest-free period with cash advances. Refer to BusinessChoice Terms and Conditions for what we consider to be purchases and cash advances and how interest is calculated and payments applied. 5. Minimum credit limit for any card is $1,000. Credit limits on individual cards may be changed at any time, subject to your credit limit and your credit account being in good standing. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. © 2018 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. BCW202 0618

We’re here to help.

westpac.com.au/businesscards

Business Direct 132 142

Service Centre 1300 791 188 (from Australia) +61 2 9155 7718 (from overseas)