ACCESSING YOUR MONEY OVERSEAS.

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1 ACCESSING YOUR MONEY OVERSEAS.

2 ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you use your own money in multiple currencies at a locked-in foreign exchange rate accepted at 35 million locations worldwide. Credit Cards A range of cards accepted worldwide, with options to suit every traveller. Foreign Cash It is useful to have at least some cash in the local currency when at stopovers and when you arrive at your destination especially if you don t speak the local language. $ Debit MasterCard Accepted at over 35 million locations worldwide, a Debit MasterCard is an easy way to pay with your own money, without carrying a wallet full of cash. Travellers Cheques Accepted worldwide and with a locked in foreign exchange rate, Travellers Cheques are secure and useful in places where cards are not accepted plus they never expire so they can be used for your next trip. $ Keycard Fast access to your cash through the global MasterCard, Maestro/Cirrus and Visa Plus networks. Travel Loan Consider a Personal Loan if you need help financing your trip. With a choice of loan type, amount, tenure and repayment frequency, you can choose a loan to suit your needs. +$ Personal Overdraft A great feature of your Everyday Account that allows you to access additional funds up to an approved limit. Apply before you leave to have a financial safety net whilst you travel. C

3 Travel Checklist Whether you re taking the trip of a lifetime or it s strictly business, there s plenty to organise before you go. Here s a handy travel checklist to help you get started. Money Take a mixed wallet with a Travel Money Card, Foreign Cash, Debit MasterCard or Keycard and Credit Cards various payment options for all situations. If you have a Keycard, make sure that the Everyday Account you want to access is linked as the primary savings account. Check international fees and charges on transactions on your accounts so there are no surprises when you return. Consider a Travel Loan if you need some help financing your travels. Apply for a Personal Overdraft before you go to give you access to extra funds should any unexpected costs arise. Security Notify us before you go to avoid a temporary hold being placed on your card(s). You can do this through NetBank via the Managing your Accounts tab or drop in at a Branch. Lock, block and limit your credit card in the CommBank app or NetBank for greater control of your card when traveling. Register for NetBank and download the CommBank app so you can manage your accounts with ease while you re overseas. Increase security by setting a PIN on your Travel Money Card, Debit MasterCard or Keycard and Credit Cards. Make sure you memorise the PIN numbers before you go. If you re not taking your mobile, it s a great idea to register for a NetCode token so you can still transfer money online. Other tips Plan ahead to make sure your passport, visas and other essential documents are ready. Make photocopies and leave with a family member or keep separately in case anything goes missing. Organise Travel Insurance to protect you if the unexpected occurs. Certain CommBank credit cards offer complimentary international travel insurance. If you re taking your mobile, check with your phone company about the fees and charges you could pay for global roaming. Global roaming means that you can receive NetCode SMS while you re overseas. 1

4 Travel Money Card Holds multiple currencies at any one time perfect for when you are travelling to different countries. Lock in the foreign currency amount when you load your card so you ll always know how much you have to spend, no matter how the Australian Dollar moves. Enjoy fee-free purchases in store, over the phone or online. Use the Travel Money Card even if the local currency is not loaded onto the card we will manage all the currency conversions for you fee-free. Managing your card is simple and convenient through NetBank. You can enjoy fee-free reloads, check your balance and transaction history, lock and unlock your card, change your PIN and more. Did you know? There is no fee for reloading funds onto your cards. You can enjoy reloads made in real time by transferring money to your card from selected CommBank accounts in NetBank. Your card is protected by chip, PIN, signature and 24 hour fraud monitoring and isn t linked to your bank account so you ll have peace of mind while you travel. We give you a back-up card, so you ll still have access to your cash if your original card is lost or stolen. Your card is valid for three years so you can reload for future trips and use for online shopping. If you have a CommBank Gold, Platinum or Diamond Credit Card, we will waive the card issue fee. For more information commbank.com.au/travelmoney How to purchase Drop into any CommBank branch and it will be issued on the spot. Log on to NetBank and order your card. (Allow 5 business days for delivery*) * Delivery may take longer outside metropolitan areas. 2

5 Foreign Cash and Travellers Cheques Foreign Cash Choose the currency, the denominations and the amount in advance so you can focus on seeing the sights, not changing money. Order online, choose your branch location for collection and have it delivered within 3 business days. You can also withdraw cash from one of our Foreign Exchange ATMs. Please check our website for location details. Travellers Cheques By buying Travellers Cheques before you go, at the time you choose, you re in control of the exchange rate. So there won t be any nasty surprises down the track. Travellers Cheques never expire, so you can save unused cheques for your next trip. Lost or stolen Travellers Cheques can be replaced with a single telephone call usually within 24 hours, virtually anywhere around the world. For more information commbank.com.au/foreigncash commbank.com.au/travellerscheques How to purchase Drop into any CommBank branch. Purchase online via commbank.com.au/expressfx (Allow 3 business days for delivery to your chosen branch) 3

6 Everyday Accounts Our Everyday Accounts provide you with global access to your money via a Debit MasterCard or Keycard while you travel. Debit MasterCard $ Keycard $ Personal Overdraft +$ Keep your money secure and protect your card from being copied with secure chip technology. You re also protected against fraud and unauthorised charges by MasterCard Zero Liability protection^. It s your money, so you can relax, knowing that you won t be greeted by a credit card bill when you return home. Pay by EFTPOS at any outlet connected to the Maestro network. By linking your Everyday Account to your Keycard in the primary savings position, you can withdraw cash through overseas ATMs that display the Maestro/Cirrus or Visa Plus logo*. There when you need it, free when you don t. Gives you a safety net in case of unexpected expenses or bills whilst you re traveling. Links directly to your Everyday Account through your CommBank KeyCard or Debit MasterCard so you can withdraw funds in local currency, or transfer funds/pay bills in NetBank from anywhere in the world. Transfer funds between your Everyday Account and your Travel Money Card via NetBank, in branch or by phone, and you will have access to your money in real time with no reload fees. For more information commbank.com.au/bankaccounts How to apply Drop into any CommBank branch. Call , 24 hours a day, 7 days a week. Log on to NetBank or via commbank.com.au ^ MasterCard Zero Liability Policy does not apply to commercial cards or for PIN based transactions. Other restrictions apply. For full details, visit mastercard.com.au * Except in Europe, where only your credit account is available. 4

7 Credit Cards Eligible cardholders can enjoy Complimentary International Travel Insurance for you, your spouse and your dependent children for return trips for a set period from Australia when you use your CommBank credit card to pay at least $1,000 of each person s travel costs. Other eligibility criteria and conditions apply. By linking your CommBank MasterCard or Visa to your primary savings or cheque account, you can withdraw cash through overseas ATMs that display the MasterCard, Maestro or Cirrus logo*. CommBank Platinum and Diamond cardholders enjoy complimentary concierge service around the world, from getting tickets to a special event, helping with travel arrangements or organising special requests^. Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account. For a safer way to pay, lock international payments on your credit card when you re in Australia so that no-one can use it to make overseas purchases. Simply switch these locks off before you go on holidays in the CommBank app or NetBank. # If you ve misplaced your card use the CommBank app or NetBank to lock it while you look for it or cancel it if it s been lost or stolen. # Find out more at commbank.com.au/lockblocklimit For more information commbank.com.au/creditcards How to apply Drop into any CommBank branch. Call , 24 hours a day, 7 days a week. Log on to NetBank or via commbank.com.au Restrictions and exclusions, including for pre-existing medical conditions and age 80 or over, limits and excesses may apply. Please refer to our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure available from commbank.com.au/creditcardinsurance or from any CommBank branch for full details, including definitions of key terms such as spouse and dependent children. For Gold cards the maximum length of cover is a 3 month return trip. For Platinum and Diamond cards the maximum length of cover is a 12 month return trip. * Except in Europe, where only your credit account is available. ^ Requests for service outside scope of Concierge Service may not be processed. Limits may be placed on excessive requests for services. See Your Concierge service Terms and Conditions available at commbank.com.au/creditcardtermsandconditions for further detail. # For all: excludes transactions not sent to us for authorisation. For international payments and temporary locks only: excludes transactions flagged as recurring (e.g. direct debits). Other Terms & Conditions apply. 5

8 Travel Loan Apply online, in branch or over the phone and receive a response within minutes. If you re approved before noon Monday to Friday, you can have the funds in your account the same day. Our variable rate loan allows you to have complete control through the flexibility of paying down your loan faster or the ability to redraw the extra money whenever you need it. If you prefer certainty on your repayments, a fixed rate loan will protect you from rate fluctuations. You can select a repayment frequency of weekly, fortnightly or monthly, and we can set up a direct debit for your repayments to align with your pay day, or whenever best suits you. For more information commbank.com.au/travelloan How to apply Drop into any CommBank branch. Call , 8am-8pm, 7 days a week. Log on to NetBank or via commbank.com.au 6

9 When you re travelling The world is a big place, so there are a few things you should know while you re away. Banking from anywhere in the world You can use NetBank to: Manage your Travel Money Card: fee-free reloads, check your balance and transaction history, lock and unlock your card, change your PIN. Apply for an increase to your credit card limit. Check your CommBank account balances. Schedule your regular bill payments for a future date. Transfer funds between your linked accounts or to a third party. View and pay your bills online with Bpay View. Update details of the dates and countries you re visiting. Change your PIN on your Travel Money Card, Debit MasterCard, Keycard or Credit Card. Lock and unlock international payments on your Credit Card. Temporarily lock or cancel your credit card. Withdrawing foreign currency You can withdraw foreign currency overseas from an ATM using your Travel Money Card, Debit MasterCard, Keycard or Credit Card. Consider your daily card and transaction limits when spending. These vary depending on the card. Please check product brochures for full details. ATMs in some countries may apply lower transaction limits. Cash withdrawals on your credit cards are treated as a cash advance, and applicable charges will apply. In some countries, you may be asked to sign for your purchase instead of entering your PIN. If you re overseas using your Travel Money Card at a terminal that requires a 6-digit PIN, try using your 4-digit PIN and if it doesn t work, try adding 2 zeros after your PIN. Remember to select the credit option when using your Travel Money Card at merchants and ATMs. Like our credit cards, your Travel Money Card won t work if you select the savings or cheque option. If you want to use foreign currency that you have loaded on your card, make sure you select the correct currency and do not select AUD if given a choice. 7

10 We re here to help If you have questions or your card is compromised, lost or stolen, we re ready to help 24 hours a day, 365 days a year. Enquiries General enquiries Call us on Travel Money Card If you are in Australia, call us on If you are overseas, call us on Debit MasterCard and Keycard If you are in Australia, call us on If you are overseas, call us on Credit Card If you are in Australia, call us on If you are overseas, call us on (reverse charges accepted). Lost or Stolen cards Travel Money Card If you are in Australia, call us on If you are overseas, call us on Debit MasterCard and Keycard Credit Card MasterCard Credit Card Visa Credit Card American Express 8 If you are in Australia, call us on If you are overseas, call us on If you are in the USA, free call If you are not in the USA, call the USA reverse charges/ collect on If you are in the USA, free call If you are not in the USA, call the USA reverse charges/ collect on Call or (reverse charges accepted). Call charges may apply.

11 Important contact numbers when overseas General enquiries Call us on Travel Money Card enquiries Debit MasterCard and Keycard enquiries Call us on Call us on Credit Card enquiries Call us on (reverse charges accepted). Call charges may apply. Take these important contact numbers on your travels. Things to know before you Can: Applications for finance are subject to the Commonwealth Bank s normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. Full terms and conditions for Telephone Banking, NetBank, ATMs, BPAY and EFTPOS are available on request. Fees and charges apply. A Product Disclosure Statement for Travel Money Card and Transaction, Savings and Investment Accounts Terms and Conditions covering Everyday Accounts are available from commbank.com.au or from any branch of the Bank and should be considered before making any decision about the product. Travellers Cheques are issued by American Express International, Inc ABN BPAY is a registered trademark of BPAY Pty Ltd ABN MasterCard, the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express is a registered trademark of American Express. American Express Cards are issued by Commonwealth Bank of Australia pursuant to a license from American Express. Maestro is a registered trademark of MasterCard International Incorporated and affiliates. Cirrus is a registered trademark of Cirrus System, LLC, formerly known as Cirrus System, Inc. If you have a complaint you can find out about our dispute resolution process by calling Commonwealth Bank of Australia ABN Australian credit licence

12 Lost or Stolen cards contact numbers when overseas Travel Money Card Call us on Debit MasterCard and Keycard Call us on Credit Card MasterCard If you are in the USA, free call If you are not in the USA, call the USA reverse charges/collect on Credit Card Visa If you are in the USA, free call If you are not in the USA, call the USA reverse charges/collect on Credit Card American Express Call or (reverse charges accepted). Call charges may apply. ADB