CardGuard

Purchase with confidence.

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For enquiries call Card Services on

1300 135 538www.cardservicesdirect.com.au

©2014 Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098, Australian credit licence 238098

(“Card Services”) which provides and administers credit.

Product Disclosure StatementPrepared 1 February 2014

Issuers: MetLife Insurance Limited and ACE Insurance Limited

Distributor: Citigroup Pty Ltd (“Card Services”)

Applications are subject to approval by MetLife and ACE. Please print in the spaces provided using block letters.

Step 1. Your Card Services credit facility information

Credit facility number

Card expiry date M M Y Y OR

Credit account or loan number

Step 2. Your personal details

Title Surname

Given name(s)

Gender Female Male Date of birth D D/ M M / Y Y Y Y

Street address

Suburb

State Postcode

Phone home ( )

Phone work ( )

Mobile

Email

Step 3. Please sign here

I apply for the selected insurance, issued by MetLife Insurance Limited (MetLife) and ACE Insurance Limited (ACE). My decision is based on the material in the Product Disclosure Statement (PDS), to which this application was attached, and my understanding of it. I am under age 60. I authorise MetLife to charge my Card Services credit facility with the monthly premium. I have read and understood the Privacy Policy in the PDS and agree to the collection, use and disclosure of personal information as described.

Signature of credit facility account holder

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Date D D/ M M / Y Y Y Y

CardGuard application form

MOISTEN HERE

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You may receive a phone call from a Card Services representative in relation to the CardGuard product described in this PDS. You are under no obligation to purchase any cover. If you do not wish to receive a call, please phone 1300 135 538 and you will be excluded from the calling program.

Tear off application, fold, seal and mail

What is a Product Disclosure Statement?

A Product Disclosure Statement (PDS) is a document which willassist you to make an informed decision about whether or notto purchase a particular insurance product. You should read it carefully before you make your final decision to purchase.

This PDS contains general information about CardGuard, which will help you decide whether it is right for you. It explains the significant benefits, premiums, significant risks, the complaints handling process, cooling off period and other rights, and terms and conditions relating to this product. It has been prepared without taking into account your financial situation, needs and objectives. You should read and consider the information contained in this PDS to understand the extent of the cover provided by this policy and its limitations to consider whether it is appropriate for you. You may wish to consult a financial adviser.

CardGuard is Consumer Credit Insurance (CCI). CardGuard consists of 2 separate components comprising life insurance and general insurance. The Injury, Illness and Death Benefits are life insurance.

The Price Protection and Unemployment Benefits are general insurance. Further details of these benefits are set out in this PDS.

The life insurance component of CardGuard is issued by MetLife Insurance Limited (MetLife) ABN 75 004 274 882 AFSL 238096 Level 9, 2 Park Street, Sydney NSW 2000 Phone: 1300 555 625 www.metlife.com.au

The general insurance component of CardGuard is issued by ACE Insurance Limited (ACE) ABN 23 001 642 020 AFSL 239687 28-34 O’Connell Street, Sydney NSW 2000 Phone: 1800 815 675 www.aceinsurance.com.au

MetLife and ACE are jointly responsible for the contents of this PDS. MetLife administers all claims including the general insurance component on behalf of ACE. ACE have given its consent for information about it to be included in this PDS.

Citigroup Pty Limited (Card Services) ABN 88 004 325 080, AFSL 238098, Australian credit licence 238098, is the credit provider and issuer of Card Services credit facility accounts, and distributor of the Consumer Credit Insurance and administers the policy and premium collection under this Consumer Credit Insurance. CardGuard is not a product of, nor is it guaranteed by, Card Services.

None of the entities MetLife, ACE or Card Services are related entities of each other.

Cover for the life insurance component of CardGuard is issued from MetLife’s No.1 Statutory Fund. CardGuard is not a savings plan.

Table of contents

Six great reasons to choose CardGuard 3

About CardGuard 6

How do I apply for CardGuard?

What are the significant benefits? 7

Why should I consider CardGuard? What benefits does CardGuard provide? Multiple claims Maximum benefits

Applying for CardGuard 11

Am I eligible to apply for cover? How much am I covered for? When will my cover commence? When will my cover end? How can I cancel my policy?

What does CardGuard cost? 13

How is my premium calculated? What happens if my premium is not paid? Can my premium change?

When will a benefit not be paid? 14

Additional information 15

About this PDS Information about Consumer Credit Insurance Who are the insurers of CardGuard? Cooling off period How do I make a claim? Who receives the benefit? Are there any risks in purchasing CardGuard insurance? Will I have to pay tax on my CardGuard benefits? What if I have a problem with my policy? Privacy consents and notifications Register of alternative forms of remunerationFinancial Claims Scheme and Compensation Arrangements

Definitions 20

1

“I really want to buy that new outfit now, but should I wait for the sales?”

With CardGuard’s Price Protection Benefit you can buy today with confidence, knowing that if the price goes down in the near future, CardGuard will pay you the difference.

“We’d love to be able to get that new home theatre system now, but in these uncertain times, what if one of us loses our job?”

With CardGuard’s Unemployment Benefit you can have the things you want today, knowing that if you resign or become redundant, CardGuard will take care of your credit facility repayments while you are looking for work.

Enjoy the things you want today with CardGuard

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“I really want to take that holiday now, but if something happens to me and I can’t work, how will I ever pay it off?”

With CardGuard’s Injury and Illness Benefits you can do what you want now, knowing that if you are injured or become ill, and unable to work, CardGuard will take care of your credit facility repayments.

“We’d love to redecorate now, but with such a large expense, if something happened to me, how would my wife ever pay off the debt?”

With CardGuard’s Death Benefit, you can rest assured that should the worst happen, CardGuard will be there to pay off the balance of your credit facility, leaving your family to focus on the things that really matter.

Enjoy the things you want today with CardGuard

Terms and conditions apply. Please read the PDS for full details of benefits payable and any exclusions or limitations.

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Six great reasons to choose CardGuard

1. Purchase with confidence CardGuard provides comprehensive protection for your credit facility repayments.

2. Always pay the lowest priceWith the Price Protection Benefit if the price of an item purchased with your Card Services credit facility is reduced by $10 or more, within 180 days of the purchase date, at a store of the same name, we will pay you the difference.

3. Peace of mind Provides you with cover up to $50,000 in the event of your illness, injury or death.

4. The assurance of up to $10,000 coverIn the event of your unemployment you can be covered.

5. Affordable monthly premiumsCardGuard only costs a low 59c per $100 of your outstanding statement balance.

6. Guaranteed coverAll Card Services credit facility account holders aged 18 to 59 who are Australian citizens or permanent residents are guaranteed cover under CardGuard.

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Case studies

David’s story

David, a 57 year old self employed builder, took out cover on his credit facility in November 2007. In May 2010 he suffered a cardiac arrest and tragically passed away.

Whilst David’s family was coping with their loss, a benefit of over $3,000 was paid to David’s credit facility, covering his outstanding balance at the time of his death. It was one thing his family didn’t have to worry about at that difficult time.

Megan’s story

Megan, a case worker, took out cover on her credit facility in June. The following year, she discovered a lump in her left breast and was diagnosed with breast cancer. Megan was forced to stop working to undergo chemotherapy treatment.

Megan’s doctor is hopeful that she will recover and return to work sometime within the next year. Although Megan was receiving sick leave payments she was pleased that she had cover. Since her diagnosis, she received a monthly benefit of $71 to help her cover her credit facility repayments, allowing her to focus on her recovery.

These stories are based on actual claims paid by MetLife. Names and photos have been changed to protect the privacy of claimants.

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About CardGuard

Your credit facility brings you the financial freedom of being able to purchase the things you want, when you want them. With that freedom comes the need to responsibly manage your finances, including making your regular monthly repayments – no matter what happens. But have you stopped to think about how you would make your repayments if you lost your job or became sick or injured? Or would your family inherit your credit facility debt if you passed away?

Now, you can have the peace of mind of knowing that, should you be injured, unemployed, or become sick, you will have help with your credit facility repayments. What’s more, it won’t cost you the earth.

And CardGuard is not just for when things go wrong. CardGuard’s Price Protection Benefit means that you don’t have to wait for a sale to ensure you are getting the best price. If you purchase an item with your credit facility and during the next 180 days the price is reduced by more than $10, in the same store or a store of the same name, we will pay you the difference, subject to the terms and conditions.

Imagine never again having that feeling of irritation seeing “50% off” just a month after you purchased. With CardGuard you can shop with confidence!

How do I apply for CardGuard?

Applying is easy and there are absolutely no medical examinations required. To apply for your CardGuard cover simply:

• obtain an application form online at www.cardservicesdirect.com.au;

• call Card Services on 1300 135 538 to apply today; or• complete and mail the enclosed application form.

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Why should I consider CardGuard?

Card Services credit facility account holders can enjoy the peace of mind of up to $50,000 protection for their credit facility repayments. All eligible customers are guaranteed cover.

What benefits does CardGuard provide?

Benefit Included

Price Protection BenefitProvides the difference, if the price of an item purchased with your credit facility is reduced by $10 or more, within 180 days of the purchase date.

✓

Injury Benefit Provides 3% of your outstanding balance each month if you are injured and unable to work.

✓

Illness BenefitProvides 3% of your outstanding balance each month if you are ill and unable to work.

✓

Unemployment BenefitProvides 3% of your outstanding balance each month if you become unemployed and unable to find work.

✓

Death BenefitCovers the outstanding balance of your credit facility as a result of your death.

✓

When a claim is paid, the benefit is paid to your credit facility.

1. Price Protection Benefit

If while your policy is inforce you purchase an item in Australia using your credit facility insured with CardGuard and within 180 days of its purchase, the exact item and/or model is reduced in price by $10 or more in the same store or any other store with the same name, the difference between the purchase price and the reduced price, up to $600 per item, will be paid.

You can claim a maximum of $2,000 under the Price Protection Benefit payments in any 12 month period.

2. Injury Benefit

If while your policy is inforce you are injured and unable to work for 30 continuous days (your waiting period), 3% of your outstanding balance for each month you remain unable to work, will be paid, for up to:

What are the significant benefits?

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• three months, if the injury relates to a medical condition for which you sought or obtained advice or treatment for that injury from a registered medical practitioner prior to your commencement date; or

• 24 months, if the injury first occurs after the commencement date.

Benefits will accrue from the end of your waiting period and are payable monthly in arrears.

If the Injury Benefit is payable for less than one whole month it will be calculated as 1/30th of the monthly amount for each day that you are unable to work.

If there is a recurrence of the same or related injury within 180 days of the date that you were last paid a benefit, we will treat this as a continuation of the previous claim and the waiting period of 30 consecutive days will be waived. If you have previously received the Injury Benefit in respect of an injury for the maximum benefit period, you are required to return to work for a minimum of 180 days for you to make a new claim for the same injury.

For you to be eligible to receive the Injury Benefit, you must have been working in continuous employment for at least 180 days prior to having an injury that caused you to cease work.

The amount of the benefit paid in each applicable month is 3% of your outstanding balance as it appears on your monthly statement date immediately prior to your injury.

3. Illness Benefit

If while your policy is inforce you are ill and unable to work for 30 continuous days (your waiting period), 3% of your outstanding balance for each month you remain unable to work, will be paid for up to:

• three months, if the illness relates to a medical condition for which you sought or obtained advice or treatment for that illness from a registered medical practitioner prior to your commencement date; or

• 24 months, if the illness first occurs after the commencement date.

Benefits will accrue from the end of your waiting period and are payable monthly in arrears.

If the Illness Benefit is payable for less than one whole month it will be calculated as 1/30th of the monthly amount for each day that you are unable to work.

If there is a recurrence of the same or related illness within 180 days of the date that you were last paid a benefit, we will treat this as a continuation of the previous claim and the waiting period of

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30 consecutive days will be waived. If you have previously received the Illness Benefit in respect of an illness for the maximum benefit period, you are required to return to work for a minimum of 180 days to make a new claim for the same illness.

For you to be eligible to receive the Illness Benefit, you must have been working in continuous employment for at least 180 days prior to being diagnosed with an illness that caused you to cease work.

The amount of the benefit paid in each applicable month is 3% of your outstanding balance as it appears on your monthly statement immediately prior to your illness.

4. Unemployment Benefit

If while your policy is inforce you become unemployed and unable to find work for 90 continuous days (your waiting period), 3% of your outstanding balance for each month you remain unable to find work, will be paid, for up to:

• three months, if unemployment is as a result of resignation, voluntary redundancy or ceasing to trade in your own business; or

• six months, if unemployment is as a result of any other reason.

Benefits will accrue from the end of your waiting period and are payable monthly in arrears.

If the Unemployment Benefit is payable for less than one whole month it will be calculated as 1/30th of the monthly amount for each day that you are unable to find work.

For you to be eligible to receive the Unemployment Benefit, you will need to be:

• working in continuous employment for at least 180 days prior to being unemployed;

• registered with an Australian Government Approved Recruitment Agency; and

• actively seeking work.

A subsequent Unemployment Benefit will only be available after you have been working for at least 180 consecutive days since the previous period of unemployment.

The amount of the benefit paid in each applicable month is 3% of your outstanding balance as it appears on your monthly statement date, immediately prior to the earliest of the following:

• you were notified of the impending unemployment; • you resigned; or • your business ceased to trade.

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5. Death Benefit

If while your policy is inforce, in the event of your death, the outstanding balance of your credit facility as at the date of death, will be paid.

If your credit facility has been closed, the Death Benefit will be paid to your estate.

Multiple claims

You can only claim one benefit if you are ill, injured and/or unemployed at the same time.

Maximum benefits

The following table shows the maximum limits applying to the various benefits.

Benefit Benefit limit

Price Protection $10,000

Injury $50,000

Illness $50,000

Unemployment $10,000

Death $50,000

The cumulative amount of benefit(s) payable under CardGuard for Injury, Illness, Unemployment and Death is $50,000 per policy.

The cumulative amount of benefit(s) payable under CardGuard for Price Protection, Injury, Illness, Unemployment and Death is $60,000 per policy.

You may have more than one consumer credit insurance issued by MetLife and/or ACE, with respect to different credit facilities. The individual benefit limits and cumulative benefit limits for CardGuard will apply independently of any of these other policies.

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Am I eligible to apply for cover?

You can apply for CardGuard cover if you:

• have a new or existing credit facility;• are aged between 18 and 59 years;• are an Australian citizen or permanent resident of Australia;

and• have received this PDS.

How much am I covered for?

With CardGuard you don’t need to select a level of cover – you will be covered every month for your outstanding balance on your monthly statement, up to $50,000.

When will my cover commence?

Your cover will commence as soon as your application for CardGuard is accepted. You will receive a welcome letter and policy document, confirming that your cover is in place and specifying your commencement date. Your contract of insurance consists of your welcome letter, together with your policy document.

When will my cover end?

Your cover ends on the earliest of the following events:

• you reach the age of 65;• the cancellation of your credit facility;• your insurance is cancelled due to non-payment of premium;• you cancel your policy; • your death; or• the maximum cumulative benefits for the policy have been

paid to you or your estate.

Your policy will continue until the earliest of one of the above events occurs. Your life insurance benefits provide continuous cover until the policy ends and we will automatically renew the general insurance benefit components of your policy annually.

We will inform you at least 30 days before each policy anniversary of any changes to the premium rates or the policy terms. If you do not wish to accept the changes to the policy terms or premium rates, you may cancel the policy at any time.

If there are any changes we will send you a notice, explaining any changes to the policy terms (including the premium rate), at least 30 days before the policy anniversary.

Applying for CardGuard

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How can I cancel my policy?

You may cancel your policy at any time by calling 1300 135 538 or by writing to:

CardGuard Administrator - Cancellations Card Services GPO Box 40 Sydney NSW 2001

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CardGuard costs just 59c per $100 of your outstanding balance on your monthly statement. This premium will be automatically charged to your credit facility and listed on your monthly statement.

How is my premium calculated?

Your monthly premium payable may be different each month, depending on the outstanding balance on your monthly statement.

In any month that you have no outstanding balance on your monthly statement, there will be no premium charged.

For example:

David has a credit limit of $20,000. David has chosen CardGuard to protect his credit facility repayments.

In the first month, David’s outstanding balance on his statement date is $2,800. The premium for that month is calculated as $2,800/100 x $0.59 = $16.52.

In the second month, the outstanding balance on his monthly statement is $0. The premium for that month is $0.

What happens if my premium is not paid?

Your premium must be paid when due, throughout the life of your policy. We may cancel your policy if you do not pay your premium when it is due and if 30 days have passed after you receive notification that your credit facility is in default under the terms and conditions of your credit facility and you do not rectify this situation within the 30 day notice period.

Can my premium change?

We may amend your premium rate at any time and as a result, your premium may increase or decrease. However, your premium can only change if we change the rates for all CardGuard policies like yours. You will not be singled out for an increase. If we amend the premium rate we will provide you with at least 30 days written notice.

What does CardGuard cost?

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A Price Protection Benefit will not be payable if:

• the item was purchased prior to the commencement date, or

• the item purchased is one of the following: - animals or living plants; - cash or its equivalent; - jewellery; - one-of-a-kind items; - precious metals or precious stones; - perishable goods, groceries, foodstuffs, beverages or

other household consumables; - special order items or tailor made items; - used or second hand goods; or

• the reduced price is available due to one of the following: - the items offered during a ‘limited quantity, ‘going out

of business’, ‘closing down’ or similar sale; or - the items sold as floor display discounts, imperfect,

seconds or damaged items.

No benefits will be payable where the event giving rise to the claim occurs as a result of:

• Injury where: - you fail to seek medical advice or treatment for the

injury; or - the injury is the result of taking part in an illegal or

criminal activity, whether or not you were charged with any offence,

• Illness where: - you fail to seek medical advice or undertake treatment

for your illness; or - the illness is as a result of a normal and uncomplicated

pregnancy,

• Unemployment where: - the unemployment is due to illness or injury, or - you are dismissed from employment for taking part in

an illegal or criminal activity, whether or not you were charged with any offence, and

• Death where your death is as a result of suicide within 13 months of the commencement date.

When will a benefit not be paid?

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About this PDS

The information contained in this PDS is current at the time of issue. From time to time we may change or update information that is not materially adverse by providing a notice of changes on www.metlife.com.au You can also obtain a paper copy of the updated information by calling us on 1300 555 625.

If there is a materially significant change or omission to this PDS, we will issue a supplementary or replacement PDS. If there is any inconsistency between this PDS and the policy document, the full terms and conditions contained in the policy document will prevail to the extent of the inconsistency.

Information about Consumer Credit Insurance (CCI)

CardGuard is a CCI product. Before taking out a CCI policy, you should read this PDS carefully to find out:

• what the policy will cover you for; and• when the policy will pay out the outstanding balance or

make payments towards the outstanding balance of your credit facility and when it will not.

Cover is provided under the policy in respect of certain events which are described under the section “What are the significant benefits?” on page 7 and the extent of the loss is measurable by reference to your liability under your credit facility.

We may pay up to 20% commission to the distributor. The premiums you pay take into account this commission so it is not an additional charge to you.

Parts of this PDS and the policy differ from the standard cover noted in the Insurance Contracts Act 1984 and may contain unusual terms.

You are not obliged to take out this type of insurance and you are able to arrange CCI through another insurer. You are required to be truthful in your dealings with us.

Who are the insurers of CardGuard?

MetLife, an affiliate of MetLife Inc., is a specialist provider of life insurance to affinity partners, superannuation trustees and employers in Australia. MetLife has expertise in designing and executing both direct insurance programs for partners’ customers and insurance solutions to meet the needs of specific member groups. MetLife has been a specialist provider of life insurance products in Australia, since 2005. MetLife Inc., through its affiliates (collectively the “MetLife companies”), operates in the Asia Pacific, Americas and Europe and has over 140 years of experience.

ACE is part of the ACE Group of Companies, one of the global leaders in insurance and reinsurance serving a diverse group of clients. Headed by ACE Limited, the ACE Group conducts its business on a worldwide basis with operating subsidiaries in more than 50 countries and the authority to do business in 140 jurisdictions.

Additional information

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With exceptional underwriting and claims teams, we are committed to excellence, integrity and to providing quality service and insurance products. Around the world, ACE’s clients and brokers can expect the highest level of commitment and service. We focus on our clients, building strong relationships by offering responsive service, developing innovative products and providing market leadership built on financial strength.

Cooling off period

For your added peace of mind, CardGuard comes with a 30 day cooling off period, so you have 30 days from your commencement date to review your policy and make sure that it meets your needs. If you change your mind and wish to cancel your policy during that time, you will be entitled to a full refund of premiums paid up to that time provided a claim has not been made.

How do I make a claim?

If you, or your family on your behalf, need to make a claim, please contact us as soon as possible on 1800 221 599 or visit www.cardservicesdirect.com.au to complete a claim.

Who receives the benefit?

In the event of a claim payment, the benefit is paid directly to your credit facility.

Are there any risks in purchasing CardGuard insurance?

Some of the risks associated with purchasing CardGuard insurance include:

• the type of cover provided may not suit your needs;

• there are limits placed on the benefits; and

• a benefit may not be paid because of one of the limitations listed in the section ‘When will a benefit not be paid?’ on page 14.

It is important for you to ensure this policy meets your needs both now and in the future.

Will I have to pay tax on my CardGuard benefits?

Generally, lump sum payments to individuals, under the Price Protection Benefit or as a result of death are not assessable for income tax purposes. Payments made due to Injury, Illness or Unemployment may be taxable. Premiums are generally not tax deductible.

GST only applies to the Price Protection and Unemployment Benefit components of the insurance premium. This charge is included in the premium rate quoted. If tax laws are altered, we reserve the right to increase premiums or charges to reflect any new or increased taxes.

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This information is based on our interpretation of the present taxation rules. You should seek advice from a suitably qualified professional in relation to your particular circumstances.

What if I have a problem with my policy?

For all CardGuard complaints we have established a complaints resolution process and are committed to working with you to resolve your concerns.

Please contact the relevant parties as follows:

For claims complaints: Phone: 1300 555 625 Mail: Dispute Resolution Officer MetLife Insurance Limited

Reply Paid 3319 Sydney NSW 2001

For all other complaints: Phone: 1300 135 538 Mail: Card Services Customer Advocacy Unit

GPO Box 204 Sydney NSW 2001

In some circumstances we may refer your complaint in relation to the Price Protection and Unemployment Benefits to ACE. ACE has established a complaints resolution process, which involves working directly with you to resolve your concerns. If you have any questions in relation to ACE’s complaints resolution process you may contact ACE on:

Phone: 1800 815 675 Email: CustomerService.AUNZ@acegroup.com

If you are not satisfied with the response to your complaint, you can contact the Financial Ombudsman Service (FOS), an independent and impartial body, who will investigate the matter. Please contact FOS by:

Phone: 1300 780 808 Mail: The Executive Officer

Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001

Email: info@fos.org.au Website: www.fos.org.au

Privacy consents and notifications

We are committed to protecting your privacy and this section sets out important privacy consents that you give us by completing an application for CardGuard.

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We collect, use and retain personal information in accordance with the Australian Privacy Principles and the Privacy Act 1988 (Cth). Our detailed privacy policies are available on our respective websites at www.metlife.com.au and www.acegroup.com/au

We collect your personal information (which may include sensitive information such as health information) when you are applying for, or changing an insurance policy with us or when we are processing a claim in order to help us properly administrate your insurance application, policy or claim. We will generally collect an individual’s personal information only from that person except when it is unreasonable or impracticable for us to do so. Sometimes we collect personal information from a third party (which may include a person or entity with whom we have a distribution partnership or other business relationship), or from a publicly available source, but only if the individual has consented to such collection or would reasonably expect us to collect their personal information in this way. The primary purpose for our collection and use of your personal information is to enable us to provide insurance services to you. Sometimes, we may use your personal information for our marketing campaigns, in relation to new products, services or information that may be of interest to you.

We may also disclose your personal information to third parties, including service providers engaged by us to carry out certain business activities on our behalf (such as assessors and call centres in Australia), other companies within our groups of companies, other insurers, our reinsurers, medical and health practitioners, government agencies and regulators (where we are required to by law), law enforcement bodies and agents and/or representatives of persons covered under our Policies. Some of these third parties may be located outside Australia. Lists of countries in which recipients of your information are likely to be located are available in the privacy policies available on our respective websites.

In all instances where personal information may be disclosed to third parties who may be located overseas, in addition to any local data privacy laws to which those entities are subject, have measures in place to ensure that those parties hold and use such information in accordance with the consent provided by the individual and in accordance with our obligations under the Privacy Act. In dealing with us, you agree to us using and disclosing your personal information as set out in this section and in our respective Privacy Policies. This consent remains valid unless you alter or revoke it by giving written notice to our respective Privacy Officers. However, should you choose to withdraw your consent it is important for you to understand that this may mean we may not be able to provide you with this insurance or to respond to any claim.

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For information on:

• MetLife’s Privacy Policy please visit www.metlife.com.au/privacy or phone us on 1300 555 625.

• ACE’s Privacy Policy please visit www.acegroup.com/au or contact ACE’s Privacy Officer on 1800 815 675 or email PrivacyAU@acegroup.com

Register of alternative forms of remuneration

We maintain a register of alternative forms of remuneration paid to intermediaries as required by the Financial Services Council, of which we are a member. The purpose of this register is to provide an outline of the alternative types of remuneration paid and received. You can obtain a copy by calling us on 1300 555 625.

Financial Claims Scheme and Compensation Arrangements

ACE is an insurance company authorised under the Insurance Act 1973 (Insurance Act) to carry on general insurance business in Australia by the Australian Prudential Regulation Authority (APRA) and are subject to the prudential requirements of the Insurance Act. The Insurance Act contains prudential standards and practices designed to ensure that, under all reasonable circumstances, financial promises made by ACE are met within a stable, efficient and competitive financial system.

Because of this:

• The protection provided under the Financial Claims Scheme legislation applies in relation to ACE and the Policy. If ACE were to fail and were unable to meet its obligations under the Policy, a person entitled to claim under insurance cover under the Policy may be entitled to payment under the Financial Claims Scheme (access to the Scheme is subject to eligibility criteria). Information about the Financial Claims Scheme can be obtained from the APRA website at www.apra.gov.au and the APRA hotline on 1300 558 849; and

• ACE is exempted by the Corporations Act 2001 from the requirement to meet the compensation arrangements Australian financial services licensees must have in place to compensate retail clients for loss or damage suffered because of breaches by the licensee or its representatives of Chapter 7 of that Act. ACE has compensation arrangements in place that are in accordance with the Insurance Act.

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Applications are subject to approval by MetLife and ACE. Please print in the spaces provided using block letters.

Please mail to: CardGuard Administrator - ApplicationsCard ServicesReply Paid 40SYDNEY NSW 2001

Step 1. Your Card Services credit facility information

Credit facility number

Card expiry date M M Y Y OR

Credit account or loan number

Step 2. Your personal details

Title Surname

Given name(s)

Gender Female Male Date of birth D D/ M M / Y Y Y Y

Street address

Suburb

State Postcode

Phone home ( )

Phone work ( )

Mobile

Email

Step 3. Please sign here

I apply for the selected insurance, issued by MetLife Insurance Limited (MetLife) and ACE Insurance Limited (ACE). My decision is based on the material in the Product Disclosure Statement (PDS), to which this application was attached, and my understanding of it. I am under age 60. I authorise MetLife to charge my Card Services credit facility with the monthly premium. I have read and understood the Privacy Policy in the PDS and agree to the collection, use and disclosure of personal information as described.

Signature of credit facility account holder

✗

Date D D/ M M / Y Y Y Y

CardGuard application form

CardGuard

Purchase with confidence.

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For enquiries call Card Services on

1300 135 538www.cardservicesdirect.com.au

©2014 Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098, Australian credit licence 238098

(“Card Services”) which provides and administers credit.

Product Disclosure StatementPrepared 1 February 2014

Issuers: MetLife Insurance Limited and ACE Insurance Limited

Distributor: Citigroup Pty Ltd (“Card Services”)