PREMIUM CARDS – INSURANCES

1 PREMIUM CARDS . INSUR ANCES. insurance POLICY INFORMATION. EFFECTIVE DATE: 1 MARCH 2020. 1. The information in this booklet is subject to change from time to time and is correct and current as at the date on the cover. Any changes to terms and conditions related to insurance coverage will be communicated to you in writing with 30 days' notice. Any minor changes unrelated to insurance coverage will be published on The Insurer is: Allianz Australia insurance Limited ABN 15 000 122 850, AFSL 234708 of 2 Market Street, Sydney NSW 2000. The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631. trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000. 2. CLAIMS AND ENQUIRIES.

2 You can contact Allianz Global Assistance for claims and enquiries using the contact details below. Online: Lodge your travel claim, 24 hours a day, 7 days a week or obtain a claim form for other complimentary covers at: Phone: 1300 135 271, 9am to 5pm AEST, Monday to Friday, except public holidays. Calls from mobiles, public telephones or hotel rooms may attract additional charges E-mail: Postal address: Allianz Global Assistance Locked Bag 3014, Toowong DC, QLD 4066. 24 HOUR EMERGENCY. ASSISTANCE. ALLIANZ GLOBAL ASSISTANCE. Within Australia: 1800 010 075. Reverse charge from overseas: +61 7 3305 7465 Calls from mobiles, public telephones or hotel rooms may attract additional charges Email: Fax: +617 3305 7005. CONFIRMATION OF ELIGIBILITY.

3 You can obtain written confirmation of your eligibility for cover for your overseas journey (based on the answers you give us), by applying online at: If you provide us with incorrect answers to the questions we ask you, you may not be eligible for International Travel insurance cover under the Group Policy issued to ANZ. 3. CONTENTS. Important information about the complimentary covers provided 7. Introduction 7. ANZ is not the issuer (insurer) of these covers 7. Termination or variation of cover 8. Other INSURANCES 8. Limitation of cover 9. Privacy 9. Definitions 12. Claims 89. How to make a claim 89. Depreciation 90. Claims are payable in Australian Dollars 91. You must not admit fault of liability 91. You must help us recover any money we have paid 91.

4 How GST may affect your claim 91. Fraud 92. Complaints & Disputes 93. General insurance code of practice 93. International Travel insurance Part A - Eligibility & activation of cover 20. Part B - Period of cover 24. Part C - Tables of benefits 27. Part D - Excesses and general exclusions 38. Part E - The cover we provide 42. Pre-existing medical conditions 42. Pre-existing medical conditions that 43. we may cover (some restrictions apply). Pregnancy 45. Emergency & medical services while overseas 47. Travelling overseas 48. Section Overseas emergency assistance 49. Section Overseas emergency medical 50. Section Medicalevacuation & repatriation 52. Section Hospital cash allowance 53. Section Assault requiring hospitalisation 53.

5 4. Section Accidental death 53. Section Funeral expenses 54. Section Permanent disability 54. Section Loss of income 55. Section Cancellation 55. Section Withdrawal of services 58. Section Additional expenses 59. Section Travel delay expenses 61. Section Alternative transport expenses 62. Section Return home & resumption 62. of journey (following death of a relative). Section Domestic pets 63. Section Emergency accommodation 64. due to terrorism Section Hijack 64. Section Personal safety evacuation 64. Section Luggage 65. Section Travel documents, transaction 69. CARDS & travellers cheques Section Luggage delay 70. Section Replacement sporting equipment 70. Section Rental vehicle excess 71. Section Personal liability 72.

6 Section Legal expenses 74. Interstate Flight Inconvenience insurance Part A - Eligibility & activation of cover 21. Part B - Period of cover 25. Part C - Tables of benefits 34. Part D - Excesses and general exclusions 39. Part E - The cover we provide 75. Section Cancellation 75. Section Flight delay 76. Section Luggage 77. Section Luggage delay 80. Section Funeral expenses 80. 5. Transit Accident insurance Part A - Eligibility & Activation of Cover 22. Part B - Period of Cover 25. Part C - Tables of Benefits 35. Part D - Excesses and General Exclusions 38. Part E - The covers we provide 81. Group Policy Aggregate Limit of Liability 82. Rental Vehicle Excess In Australia insurance Part A - Eligibility & Activation of Cover 23.

7 Part B - Period of Cover 26. Part C - Tables of Benefits 35. Part D - Excesses and General Exclusions 38. Part E - The covers we provide 83. Purchase Protection insurance Part A - Eligibility & Activation of Cover 23. Part B - Period of Cover 26. Part C - Tables of Benefits 36. Part D - Excesses and General Exclusions 38. Part E - The covers we provide 85. Guaranteed Pricing Scheme Part A - Eligibility & Activation of Cover 23. Part B - Period of Cover 26. Part C - Tables of Benefits 36. Part D - Excesses and General Exclusions 38. Part E - The covers we provide 87. Extended warranty insurance Part A - Eligibility & Activation of Cover 23. Part B - Period of Cover 26. Part C - Tables of Benefits 37. Part D - Excesses and General Exclusions 38.

8 Part E - The covers we provide 88. 6. IMPORTANT INFORMATION. ABOUT THE COMPLIMENTARY. COVERS PROVIDED. INTRODUCTION. This booklet describes the complimentary insurance benefits provided by Allianz, which are available to eligible ANZ card cardholders and other eligible beneficiaries. Cover applies to events occurring on or after 2 October 2019. You are not covered for events occurring after termination of or the expiry of the period of the Group Policy issued to ANZ. ANZ will provide accountholders with details of any replacement cover. These covers are available under a Group Policy issued to Australia and New Zealand Banking Group Limited, ABN 11 005. 357 522, AFSL and Australian credit licence No 234527 (ANZ) of Level 9, 833 Collins Street, Docklands, VIC 3008 by AWP Australia Pty Ltd, ABN 52 097 227 177, AFS Licence No 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000 (Allianz Global Assistance) under a binder from the underwriter, Allianz Australia insurance Limited, ABN 15 000.

9 122 850, AFS Licence No. 234708, of 2 Market Street, Sydney, NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz. There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions and claims procedures contained in this booklet. PLEASE READ THIS BOOKLET CAREFULLY AND KEEP IT IN. A SAFE PLACE. Also please keep detailed particulars and proof of any loss including the sales receipts and ANZ card account statements showing any purchases. ANZ IS NOT THE ISSUER (INSURER) OF. THESE COVERS. ANZ is not the issuer of these covers and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under these covers.

10 Neither ANZ nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or any of their related companies. 7. TERMINATION OR VARIATION OF COVER. ANZ or Allianz may terminate or vary any one or all of the covers described in this booklet, and if so ANZ will notify accountholders of the termination or change in writing. The existing cover will only apply to events occurring before the date of change or termination. No cover is provided for events occurring after the date of termination. ANZ will provide accountholders with details of any replacement cover. OTHER INSURANCES . The covers described in this booklet are provided for your benefit under a Group Policy entered into between Allianz and ANZ.