Credit cards and personal financeCredit cards Personal loans Overdrafts

We all have different plans in life.At Bank of Melbourne, our commitment to you starts with a conversation, not a series of products. Whatever stage you’re at in life, we’ll work with you to build a financial solution to help you achieve your goals. As your life changes, we’ll be there to help you remain on track.

If you’re ready to talk about choosing the right Bank of Melbourne credit card or personal loan for you, we’re ready to listen.

We all have our preferred way of managing everyday things.

Your personal finances, your way.

At times, you may want to look beyond the everyday. An opportunity to enjoy the finer things life has to offer.

Then there are those once-in-a-lifetime goals that tend to get pushed further down the list. They may be closer than you think.

From the everyday to the ‘one day’, we could help you achieve your personal financial goals to give you what you want, now.

To talk about the right personal finance for you, drop into your local branch or call 13 22 66.

We’ll work hard to earn your trust. We’ll get to know you and what’s important to you. And the best people to advise you are often those closest to you.

We make more decisions here. We don’t like to handball. That means quick response times when you apply for a credit card or personal loan. So you could be on your holiday, upgrading your car or whatever you have planned, sooner.

We live where you live. We share an interest in seeing thosein our neighbourhood succeed.

We recognise local loyalty. With us, loyalty really does count. The broader your portfolio, the more you could benefit.

Choose personal fi nance from a better bank.Why sign up to be a Bank of Melbourne customer? Here are a few reasons.

For The Detail oncredit cards and personal loans

refer to the back of this document

To talk about the right personal fi nance for you, drop into your local branch or call 13 22 66.

bankofmelbourne.com.au

Vertigo MasterCard®This card gives you up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the due date. For a low annual fee, the Vertigo MasterCard® helps put your mind at rest with one of the lowest variable purchase interest rates in the market (the variable interest rate on cash advances is higher).

MasterCard applause™ is your members only online ticket off ice. Register free at mastercardapplause.com.au

Amplify Credit CardOne card, two first-class reward programs to choose from. The Amplify card can be linked to either the Amplify Rewards program or Amplify Qantas program.

With Amplify Rewards, earn Amplify points on purchases to redeem for gift cards, appliances, experiences and travel through Amplify Travel and much more.

With Amplify Qantas, Qantas Frequent Flyer members earn Qantas Frequent Flyer points on purchases to redeem in the Qantas Frequent Flyer program.

Everyday credit cards.Last-minute groceries, a bottle of red before the guests arrive, a pair of shoes over the internet – you would be surprised just how many purchases you can make in one day. As you’d expect, credit criteria apply to our approval of your credit card application, but talk to us about applying for a credit card to help make your life a little easier and more rewarding.

For The Detail onVertigo MasterCard® and Amplify

refer to the back of this document

To talk about the right personal fi nance for you, drop into your local branch or call 13 22 66.

Amplify RewardsEarn 1 Amplify Point per $1 spent on eligible purchases with your Amplify Visa. Redeem your points for an extensive range of products and services including homewares, electrical goods, wine and vouchers from a range of retailers. And if you want to redeem your points towards travel, you can get accommodation and airline points with a range of airlines including Virgin Blue, Singapore Airlines and Malaysia Airlines. Minimums apply to points redemptions.

For more information on Amplify Rewards, visit bankofmelbourne.com.au

Amplify QantasQantas Frequent Flyer members earn 1 Qantas Frequent Flyer point per $2 spent on eligible purchases with your Amplify Visa. The points you earn are automatically credited to your Qantas Frequent Flyer account. Redeem your points through the Qantas Frequent Flyer Program for a range of products and services. Choose from Award flights to over 750 destinations worldwide all the way through to over 2,000 products, experiences and vouchers from the online Qantas Frequent Flyer store (for delivery in Australia only).

For more information on Amplify Qantas, visit bankofmelbourne.com.au

For The Detail on

Amplify Rewards andAmplify Qantas

refer to the back of this document

Easy Switch Do you have direct debits set up on your current credit card? No problem, we can help. Drop into your local branch or call us on 13 22 66 to ask us how.

A choice of reward programs.

These are the credit cards for people who have earned it. Your approved Gold Low Rate card and Platinum Visa card could give you the convenience and security of knowing your card is welcome at millions of locations world-wide, plus other great benefi ts.

Premium credit cards.

Gold Low Rate Credit CardEnjoy the privileges of Gold. With a low variable purchase interest rate and a higher variable cash advance rate, choose either a Gold Low Rate Visa Card or a Gold Low Rate MasterCard®. You’ll also enjoy complimentary Overseas Travel Insurance, Shopping Insurance, Purchase Cover and Extended Warranty Cover as detailed in the policy. You could also get up to three additional cards at no extra cost (just make sure whoever you’re giving one to is 16 or older).

MasterCard® moments is an exclusive travel inspiration service for selected cardholders. Find your moment, with free registration atmastercardmoments.com.au

Platinum Visa Credit CardBank of Melbourne Platinum Visa Card comes with the same complimentary shopping and travel insurance Gold Card members enjoy, with additional Platinum benefits. These include complimentary Domestic Interstate Flight Inconvenience Insurance, Best Price Guarantee and a Platinum Concierge Service. Explore the complete menu of Platinum benefits and off ers at visaplatinum.com.au

bankofmelbourne.com.au

Platinum

PEG0029_186758_Visa_Platinum black_Private Bank_FOIL_FA.indd 25 23/06/11 10:30 AM

For The Detail onGold Low Rate and Platinum credit cards

refer to the back of this document

Vertigo MasterCard® Amplify Visa Card

Interest rates applicable Check out bankofmelbourne.com.au or come in and see us

Variable interest rate(s) on purchases AND on cash advances)

Promotional balance transfer rates – available at card application

Features

Annual fee

Minimum Credit Limit $500 $1,000

Up to 55 interest free days on purchases (when you pay in full by the statement date)

Complimentary Insurance Cover (as set out in the policy)

Personal Concierge Service

Access

Worldwide ATM & point of sale acceptance where Visa or MasterCard® is accepted

Option to link to a Bank of Melbourne account

Internet and Phone Banking (when registered for these services)

Emergency card replacement

Rewards Check out bankofmelbourne.com.au or come in and see us

Link to Amplify Rewards or Amplify Qantas

Compare our credit cards.

For The Detail on our credit cards refet to the back of this document

Vertigo MasterCard® Amplify Visa Card

Interest rates applicable Check out bankofmelbourne.com.au or come in and see us

Variable interest rate(s) on purchases AND on cash advances)

Promotional balance transfer rates – available at card application

Features

Annual fee

Minimum Credit Limit $500 $1,000

Up to 55 interest free days on purchases (when you pay in full by the statement date)

Complimentary Insurance Cover (as set out in the policy)

Personal Concierge Service

Access

Worldwide ATM & point of sale acceptance where Visa or MasterCard® is accepted

Option to link to a Bank of Melbourne account

Internet and Phone Banking (when registered for these services)

Emergency card replacement

Rewards Check out bankofmelbourne.com.au or come in and see us

Link to Amplify Rewards or Amplify Qantas

No Annual Fee Visa Cardor MasterCard®

Gold Low Rate Visa or MasterCard® Platinum Visa Card

n/a n/a

$500 $5,000 $6,000

Platinum

PEG0029_186758_Visa_Platinum black_Private Bank_FOIL_FA.indd 25 23/06/11 10:30 AM

Compare our credit cards.

That bigger car you need for your growing family, or the week in Paris you’ve promised yourself for years – whatever your goals or dreams, we have the personal finance solution that could make them a reality.

A personal loan that’s very personal.

Consolidate and save interest. Life is busy enough without having to juggle multiple debts. For less running around, less paperwork and fewer payment due dates to remember, talk to us about your options.

To talk about the right personal finance for you, drop into your local branch or call 13 22 66.

Unsecured Personal LoanYou could borrow between $3,000 and $40,000 with your choice of a fixed or variable rate. Put that money towards whatever you like, or use it to consolidate your debts.

Secured Personal LoanTime for a new car? Talk to us about arranging the best solution we offer to help you upgrade. You could select from a competitive variable or fixed interest rate and borrow between $3,000 and $80,000 for a new or used car.

Get Set LoanGet Set for a personal loan that’s flexible and convenient.

School fees, overdue kitchen renovations, turning the backyard into a back garden – life doesn’t wait for you to get your finances sorted. With a Get Set Personal Loan, life could get easier with easy access to your available credit limit.

For The Detail on

personal loans refer to the back

of this document

bankofmelbourne.com.au

Personal loans.

Variable Interest Rate Fixed Interest Rate

Make extra repayments Certainty of repayments

Redraw on additional repayments you’ve made

No impact on you when interest rates change

The interest rate may change during the loan term

Helps make budgeting easier

To personalise your personal loan, talk to us.

To talk about the right personal finance for you, drop into your local branch or call 13 22 66.

Prepare for the unexpected with a Personal Overdraft.Most of us have multiple automatic payments which can make it difficult to keep track of your balance. That could lead to an accidental or unavoidable shortfall on your Bank of Melbourne transaction account. That’s where we come in.

Our unsecured overdraft works just like a credit line that could provide you with easy access to approved funds wherever and whenever you need them.

Flexibility and moreWith our unsecured Personal Overdraft, you can access between $500 and $20,000 with no fixed term and no establishment fee. Access the extra approved funds you need and only pay interest on the money you use. However, the amount outstanding is payable on-demand if requested.

For The Detail on

personal loans refer to the back

of this document

Overdraft.

Apply for an overdraft up to $20,000.

Get Set ProtectYou’ve got your Get Set Loan, but what if something happened and you were unable to make your repayments? If the unexpected happens, consider how Get Set Protect insurance could help make life a whole lot easier.

Personal Credit ProtectWe all want security and protection against the unpredictable. Distributed by Bank of Melbourne, Personal Credit Protect helps ensure your personal loan repayments are taken care of if you’re ever unable to make them due to illness or worse.

For The Detail on

credit protection refer to the back

of this document

Credit protection.

bankofmelbourne.com.au

Get more options, including redraw.

Unsecured Personal Loan

Interest Rates Check out bankofmelbourne.com.au or come in and see us

Interest rate type Fixed or variable

Loan Terms available

Variable 1 – 7 years

Fixed terms 1 – 5 years

Loan Amounts available

Minimum – maximum $3,000 – $40,000

Fees Check out bankofmelbourne.com.au/personalloanfeeandcharges or come in and see us

Establishment fee

Monthly administration fee

Fees on early repaymentsBreak costs may be payable on a fixed rate personal loan

Features

Redraw facility (see The Detail)

Optional Visa Debit Card

Optional cheque book

Repayments Check out bankofmelbourne.com.au or come in and see us

FrequencyWeekly, fortnightly

or monthly

Optional loan insurance available

Compare our personal loans.

For The Detail on our personal loans refer to the back of this document

Unsecured Personal Loan

Interest Rates Check out bankofmelbourne.com.au or come in and see us

Interest rate type Fixed or variable

Loan Terms available

Variable 1 – 7 years

Fixed terms 1 – 5 years

Loan Amounts available

Minimum – maximum $3,000 – $40,000

Fees Check out bankofmelbourne.com.au/personalloanfeeandcharges or come in and see us

Establishment fee

Monthly administration fee

Fees on early repaymentsBreak costs may be payable on a fixed rate personal loan

Features

Redraw facility (see The Detail)

Optional Visa Debit Card

Optional cheque book

Repayments Check out bankofmelbourne.com.au or come in and see us

FrequencyWeekly, fortnightly

or monthly

Optional loan insurance available

Secured Personal Loan

Get Set LoanUnsecured

Personal Overdraft

Fixed or variable Variable Variable

1 – 7 years Ongoing line of credit Ongoing line of credit

1 – 5 years n/a n/a

$3,000 – $80,000 $5,000 – $50,000 $500 – $20,000

Break costs may be payable on a fixed rate personal loan

n/a n/a

Weekly, fortnightly or monthly

$50 or 1.25% of the outstanding balance plus the monthly interest

charge and administration fee (whichever is higher)

Repayments on-demand. Over-limit amounts repayable

immediately

Compare our personal loans.

Essential details about our credit cards.Additional cards on credit cardsYou can request additional cards on your credit card for any person aged 16 or older. The primary cardholder is responsible for their use of the card. See page 9 for how many you can have on a particular card account.

Amplify – linked to Amplify RewardsCheck out the rules that apply to how and when you earn Amplify points and when you don’t. They’re all set out in the Amplify Rewards Terms and Conditions brochure. This will also tell you how you can swap your Amplify points for great rewards.

Amplify – linked to Amplify QantasCheck out the rules that apply to how and when you earn Qantas Frequent Flyer points, and when you don’t, which are all set out in the Amplify Qantas Terms and Conditions brochure. To earn any Qantas Frequent Flyer points and to redeem them for great rewards, you need to be a member of the Qantas Frequent Flyer program. Points and membership are subject to the Qantas Frequent Flyer program Terms and Conditions. A joining fee may apply. Award flight seats (particularly Classic Award seats) are subject to capacity controls and availability is limited. Some flights may not have any Classic Award seats available. The Qantas Frequent Flyer Store is operated by Carlson Marketing Group (Aust) Pty Limited ABN 96 003 848 922. Store products referred to are for delivery in Australia only. For more detail on Qantas Frequent Flyer program, go to qantas.com.au/frequentflyer

This brochure was correct when we wrote it on 31st May 2011. Things such as product features, terms & conditions, fees & charges and interest rates may change. All applications are subject to Bank of Melbourne lending criteria. It’s important that you read about all the terms and conditions and fees and charges of any product or service before making a decision. We haven’t had the chance to take your personal financial circumstances into consideration when we prepared this.

To find out more about any product or service, go to our website bankofmelbourne.com.au, call us on 13 22 66 or come into one of our branches.

These insurance products are distributed by Bank of Melbourne – a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ACL 233714 (Bank of Melbourne)

The Detail.

Balance Transfers operate in a special wayWhere a special balance transfer rate applies to a card, you will get the special promotion rate when we transfer your balance from a non-Bank of Melbourne credit card or store card to your new Bank of Melbourne card, just after it’s approved, when you’ve asked us to do this on the new application form. This special rate doesn’t apply after this. The current standard variable purchase rate does. This standard variable purchase rate also applies to any of the balance transfer amount you haven’t paid off by the end of the promotion period. It’s important that you know you do not get interest free days on purchases that may apply to your credit card until any balance transfer amount and the rest of any closing balance is paid by the statement due date each month. Check out all the other details you need to know on any application form.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

More details about our Personal Loans.Personal loans, personal overdrafts and Get Set Loans operate in slightly different ways, check out all the details on bankofmelbourne.com.au

Redraw facility copy to be provided.

More details about Insurances.Personal Credit Protect and Get Set Protect Insurances Bank of Melbourne distributes the Personal Credit Protect and Get Set Protect insurances under Westpac’s AFSL only as agent for Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFSL 238292 and St.George Life Limited ABN 88 076 763 936 AFSL 240900 (Insurers) and not as your agent. Bank of Melbourne will receive a commission of up to 20% of the premium (excluding government charges and taxes) from the Insurers. Each of the Insurers is liable to you for the insurance cover that they singly provide. Westpac is not the issuer of these insurances and does not guarantee any of the obligations of the Insurers. Read the details in the policies of insurance on bankofmelbourne.com.au

Complimentary card insurance covers Complimentary credit card insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232 507. These benefits are provided to eligible card holders as complimentary benefits. Terms, conditions and exclusions apply. Read the details in the policy of insurance on bankofmelbourne.com.au. No Westpac Group Company has any liability in connection with this insurance.

Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ACL 233714 BOMPB002_05/11

Better personal finance is around the corner.

To talk about the right personal finance for you, drop into your local branch or call 13 22 66.

bankofmelbourne.com.au

When you’re ready to apply, it would be helpful if you could bring:

Two forms of ID from the list at bankofmelbourne.com.au

Your two most recent payslips If you’re self-employed, your

most recent Full Year Personal Tax Assessment Notice

Details of your assets, savings and investments

The limits, balances owing and your share of repayments on your existing credit cards, store cards, personal loans and mortgages

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