YOU CAN TURN YOUR POINTS INTO AWARDS.

YOU CAN TURN YOUR POINTS INTO AWARDS.

LOVE AWARDS? LET US HELP YOU GET MORE. YOUR TABLE OF CONTENTS. Hello, Make the most of your CommBank Awards experience. We re here to help you make the most of Australia s largest credit cards rewards program*. You can keep building up your points balance, then redeem for over,000 items in the Awards program. We also have the latest offers from some of our partners including Flight Centre with a 0,000 Bonus Points offer which is valid until 3 August 208 (see page ). Do you love shopping at Myer? Don t forget you can redeem your points on the spot for your purchases at any register in-store. Also, see the latest brands and products that are available to redeem from our Awards store including from Apple, Fitbit and also a large range of Gift Cards like Coles or Myer. We have also included ways to accelerate your Awards points in the guide. That way, you ll know how to build up enough points to treat yourself, or someone else to something special. Start redeeming today! The CommBank Awards Team Overview Your guide to the Awards Program 2 How to earn points Higher Points Merchants 4 Bonus Partners 6 Myer Shop at Myer 8 Travel Travel with Flight Centre 0 Qantas Frequent Flyer 3 Velocity Frequent Flyer 3 Gift Cards and merchandise Gift Cards 4 Awards Store 6 CommBank Awards experience Key Program Benefits 20 Terms and Conditions 22 Page 4 Page 7 Page 8 *Source: Roy Morgan Research, customers 8+ with a rewards/loyalty card in the 2 months to February 207. 3

How to earn CommBank Awards points. Awards points earned per dollar spent. Tier American Express* Mastercard/Visa Awards up to.5 up to Gold Awards + up to 2 up to Platinum Awards up to 2.5 up to Diamond Awards up to 3 up to.25 + Gold Awards cards will no longer be available for sale from 23 March 208. * From September 208, CommBank American Express Cards will no longer be offered. From November 208, we re closing all CommBank American Express Cards and no points will be earned on any transactions using your Amex that occur after that date. Where can I shop and earn more points using my American Express Card? Until 3 October you ll earn maximum points overseas (in-store or online) and at supermarkets, petrol stations and department stores within Australia and 0.5 points per dollar spent using your American Express Card everywhere else. Supermarkets Department Stores Petrol Stations EARN 0 BONUS POINTS PER $ SPENT AT ONSPORT. Shop online at Onsport for your latest fitness accessories and activewear. Visit onsport.com.au/commbank Some retailers may have American Express Card surcharges. onsport.com.au 5

Earn even more points when you shop with our Bonus Partners. Shop with any of our Bonus Partners and earn Bonus Points for every dollar you spend on your Awards credit card. Don t forget, points capping doesn t apply to Bonus Points! Partner Shopping Bonus Points per $ spent TREAT YOURSELF AT OUR BONUS PARTNER. Shop online at winedirect.com.au and earn 0 Bonus Points per $ spent using your Awards card. onsport.com.au 0 0 Travel Entertainment (in-store only) 5 (online only) 7

SHOP AT MYER WITH COMMBANK AWARDS POINTS. How to redeem in-store at Choose what you d like to buy at any Myer store. Head to the register and present your CommBank Awards credit card and ask to Pay with Points. 2 Don t have enough points? Use the points you have and pay the rest with your CommBank Awards credit card. 9

TURN YOUR COMMBANK AWARDS POINTS INTO YOUR DREAM HOLIDAY. Redeem your Awards points for travel 3 with no blackout dates at Flight Centre choose any seat, any airline, any destination at any time. How to redeem at Visit a Flight Centre consultant in-store or call 300 65 033. Ask to Pay with Points when making a booking 3. Don t have enough points? Use the points you have and pay the rest with your CommBank Awards credit card. ENJOY 0,000 BONUS POINTS. When you book and redeem Awards points towards a new booking valued at $,000 or more before 3 August 208. 4 Head to your local Flight Centre today! Promo code: FCBONUS0 4 Terms and conditions apply.

GET CLOSER TO THAT HOLIDAY YOU VE BEEN DREAMING OF. Redeem your Awards points with our other travel partners. You have the flexibility to transfer your points to our airline partners, Qantas or Velocity, to help you get closer to that holiday you ve been waiting for! Qantas Point = 2.5 CommBank Awards points. You must be a Qantas Frequent Flyer member to opt in to Qantas Frequent Flyer Direct and earn Qantas Points. Once you have opted in, all of your Awards points will be automatically transferred to Qantas Points on a monthly basis. 5 Use your Qantas Points to book a Classic Flight Reward on Qantas, Jetstar and more than 50 partner airlines and their affiliates to over,200 destinations globally. Taxes, fees and carrier charges are payable in addition to points required. 6 To find out more, visit qantas.com/usingpoints. Velocity Frequent Flyer Point = 2.5 CommBank Awards points. (Awards and Gold) 2 CommBank Awards points. (Platinum and Diamond) Airline Partners. With Velocity, you can earn and redeem Velocity Points in Australia and around the globe. 7 3

REDEEM NOW FOR OUR HUGE RANGE OF GIFT CARDS. From shopping sprees at Myer to sporting goods at Rebel, the basics like groceries at Coles and fuel at Caltex, we ve got Gift Cards with partners that have everything covered. 8 Gift Cards available: Discover our huge range of Gift Cards. $25 Gift Card $50 Gift Card $00 Gift Card $250 Gift Card $500 Gift Card $000 Gift Card 5,700 pts,300 pts 2,000 pts 52,500 pts 05,000 pts 20,000 pts NEED A GIFT IN HOUR? REDEEM FOR AN EMAIL GIFT CARD NOW. For the full range of email and mail Gift Cards visit the CommBank Awards website via the CommBank app or NetBank. 8 Points required correct as at June 208 but subject to change. Mastercard Prepaid Gift Cards and Westfield Gift Cards excluded. 5

SPOIL YOURSELF OR A LOVED ONE WITH THESE GREAT GIFT IDEAS. With over,000 Awards products available in the Awards Store, you have a variety of different options to redeem your points. Not enough points? Make sure you check out the Points + Pay option. 8 All the latest products in the Awards Store. 8 APPLE Apple Watch Series 3 GPS, RRP $459. From 6,500 pts. FROM 6,500 POINTS 83,900 POINTS Log in to NetBank. Tap or click the next to your Awards credit card. icon Browse Redeem Awards, select your item and then add to cart. ghd PLATINUM White Hair Styler, RRP $35. Code 82989. 83,900 pts. GLASSHOUSE FRAGRANCES Montego Bay, 350g Coconut and Lime Candle, RRP $42.95. Code 89485. 3,300 pts. HOT PICK Your Awards will be delivered shortly. WEBER BABY Q Portable LPG Gas BBQ, RRP $39. Code 89489. 84,700 pts. SODASTREAM SPIRIT Bundle Offer, RRP $48.55, Code 82324. 44,600 pts. 8 Points required correct as at June 208 but subject to change. 7

52,300 POINTS 50,200 POINTS AMERICAN TOURISTER Bon Air Medium 66cm Expandable Hardside Suitcase, RRP $279. 52,300 pts. BOSE WAVE SoundTouch Music System IV, RRP $999. 226,700 pts. GO PRO HERO6 Black, RRP $599.95. Code 8236. 50,200 pts. APPLE Apple TV 4K 32GB RPP $249. Code 822796. From 63,300 pts. HOT PICK FITBIT Charge 2, RRP $99.95. 47,700 pts APPLE iphone 8 Plus 64GB, RRP $,229.00, Code 822763. From 297,000 pts. NUTRIBULLET RX 700, RRP $399. Code 82088. 02,300 pts. SMEG.7L 50 s Retro Style Aesthetic Electric Kettle, RRP $99. 49,500 pts. 63,500 POINTS MOKI AQUABASS Waterproof Bluetooth Speaker, RRP $69.99. Code 822569. 2,600 pts. LONELY PLANET Kids Boredom Buster Board Game, RRP $4.99. Code 822036. 2,300 pts. APPLE New AirPods, RRP $229. Code 822775. 63,500 pts. BAILEYS Blend of Irish cream and whiskey, RRP $36, Code 82206. 2,000 pts. NEW 8 Points required correct as at June 208 but subject to change. APPLE HomePod Space Grey, RRP $499.00, Code 823380. 28,700 pts. BOSE QUIETCOMFORT 35 wireless headphones II, RRP $499.95. 7,500 pts. DELIVERY IS INCLUDED ON ALL AWARDS STORE PURCHASES! 9

MAKE THE MOST OF YOUR COMMBANK AWARDS EXPERIENCE. International travel insurance included. Gold, Platinum and Diamond Awards customers can receive comprehensive cover for you, your spouse and dependent children. Activate your cover before each trip via the CommBank app or NetBank. 9 Pay with Points in-store at Myer on the spot! Treat yourself by redeeming your Awards points at any Myer store across Australia. 24/7 emergency assistance overseas if you lose your card. If you re overseas, you can still cancel a lost or stolen card via NetBank or the CommBank app. Turn your points into travel. Redeem your Awards points for flights, hotels, holiday packages, cruises and more, when you book your next trip with Flight Centre. Enjoy extra control at your fingertips. Lock, Block, Limit gives you more ways to control and customise your credit card via the CommBank app or NetBank. 0 Mastercard accepted at 43 million* locations. Your Mastercard is accepted at over 43 million locations worldwide, making it even easier to earn more points. *The Nilson Report, Issue 095 from September 206. Earn Bonus Points with the Bonus Points eshop A new way for Awards members to earn Bonus Points at the online stores you already know and love. Earn up to 0 Bonus Points per $ spent. Log on to the Bonus Points eshop via the Awards website. Earn more points with our Bonus Partners. Earn Bonus Points for every $ spent on your Awards card at any of our Bonus Partners. Enjoy Awards sooner, as your Bonus Points aren't capped. $ 2

TERMS AND CONDITIONS. How to redeem: The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions and Partner Terms & Conditions, available on the CommBank Awards website, accessible through NetBank. Points are earned on eligible transactions (most purchases, excluding for example BPAY transaction, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card) and are subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice. Please remember to allow up to hour to receive your email Gift Card/s to your nominated email address. For all other Awards, please allow up to 0 working days for delivery. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. American Express is a trademark of American Express. The CommBank Awards American Express Card is issued by Commonwealth Bank of Australia pursuant to a license from American Express. Higher Points Merchants: To earn points at the higher rate, the business must be a Higher Points Merchant, which means a business or organisation in Australia classified as a supermarket, department store or service (petrol) station for the purposes of American Express transactions, excluding any business or organisation paid using an intermediary payment platform, for example, PayPal. CommBank Awards relies on the way a business is classified for American Express transactions to pay Awards points at the higher rate. These classifications are not controlled or set by CommBank Awards and we are not responsible if a business is classified incorrectly or changes its classification. Exceptions may apply if an individual merchant does not accept American Express as a form of payment. 2 Myer: Pay with CommBank Awards points available in-store at Myer only. Ask a Myer team member in-store to check the redeemable value of your points. Some exclusions apply, including using points to pay Myer card accounts, lay-by, purchases at some food and service outlets; and Miele appliances. More information is available at myer.com.au. Points cannot be redeemed for cash. A minimum of 208 points and a maximum of million points redemption per day applies. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. 3 Flight Centre: Minimum redemption of 2,500 Awards points applies. All travel products and offers from Flight Centre Limited are subject to availability and can only be booked by the general public. The redemption of Awards points for travel at Flight Centre Limited is subject to the CommBank Awards program terms and conditions available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group Limited (ABN 25003 377 88) trading as Flight Centre, Student Flights & Travel Associates. 4 Flight Centre Offer: A minimum redemption of 2,500 Awards points applies. Book and redeem Awards points towards a new travel booking valued at $,000 or more and receive 0,000 Bonus Points to use towards your booking. Offer applies to new bookings made and paid in full between June and 3 August 208. Bonus Points will be awarded instantly. Bonus Points must be applied at time the deposit is paid and Awards points redeemed. Cannot be used in conjunction with any other offer. Limited to one Bonus Points offer per booking and per customer. Redeemable at Flight Centre Travel Group retail stores within Australia. Offer is non-refundable, non-exchangeable, non-transferable, non-replaceable and non-redeemable for cash, credit or foreign exchange. Redeemable at Flight Centre Travel Group Limited retail stores within Australia. Flight Centre Travel Group Limited (ABN 25 003 377 88) trading as Flight Centre, Student Flights and Travel Associates. ATAS Accreditation No. A042. Commonwealth Bank of Australia Australian credit licence 234945. 5 Qantas Frequent Flyer: To opt-in to Qantas Frequent Flyer Direct, call 3 66 or visit the Awards website Redeem Travel page. There is a $30 annual opt in fee. As soon as you have opted in to Qantas Frequent Flyer Direct, all CommBank Awards points earned will be automatically transferred to Qantas Points and credited to your Qantas Frequent Flyer account on a monthly basis. It is important to note that any CommBank Awards points earned prior to the date of your opt-in will not be transferred to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com/terms or call 3 3. 6 Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Reward seats available. The Qantas Points required may vary at the time of booking. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) in addition to the Qantas Points required. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. For more information, visit qantas.com/classicflightrewards. 7 Velocity Frequent Flyer: A minimum of 3,600 Awards points must be redeemed for Velocity Points and additional points must be in increments of,000 points. Velocity Points will appear on Member s accounts within 5 business days. Please note that points can only be transferred to a Velocity Account in the same name as the primary cardholder of the CommBank Awards account. Once CommBank Awards points have been redeemed for Velocity Points, they are governed by the Velocity Membership terms & conditions and cannot be reversed. 8 Gift Cards and Merchandise: Points required are correct as at June 208 and are subject to change. Merchandise and mail Gift Cards will take up to 0 working days. Email Gift Cards will be received within hour. Selected Apple products may take longer than 0 business days for delivery. Apple, the Apple logo, iphone and ipad are trademarks of Apple Inc. registered in the U.S and other countries. App Store is a service mark of Apple Inc. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Product is for illustrative purposes only. 9 Travel insurance: Credit Card Insurance is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) (ABN 52 097 227 77, AFSL 24563) on behalf of the insurer Allianz Australia Insurance Limited (ABN 5 000 22 850, AFSL 234708) for Commonwealth Bank of Australia (ABN 48 23 23 24, AFSL 234945) ( CBA ). CBA arranges but does not issue or guarantee this insurance. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full details. If you don t activate you ll receive Base cover which includes personal liability cover and overseas emergency medical assistance and hospital expenses only. 0 Lock Block Limit: Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply. Commonwealth Bank of Australia ABN 48 23 23 24 and Australian credit licence 234945. ADV346 05068. 23

Redeem your Awards points today: Log on to NetBank and click on the Awards icon next to your credit card. Log on to the CommBank app. Select the Cards icon and tap on the Awards link below the Awards card. Contact us on 3 66 weekdays between 8am-8pm (Sydney time).