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1. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. View current interest rates. 2. Cashback available on purchases made during the 24 hour period the brand crush promotion is offered, and for purchases via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. Approved applicants only. Fees, terms and conditions apply. Exclusions may apply. Only available at participating brand crush partners via your humm90 Mastercard app. See weekly brand crush promotional terms for availability periods and further details. 3. Up to 60 months Long Term Interest Free Finance available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Approved applicants only. Fees, terms, conditions and minimum finance amount apply, including $99 Annual Fee charged at the time the first debit is charged to your humm90 Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Account. Only available at humm90 retail partners. 4. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. Humm90WRAP Fee applies which is a percentage of the total amount payable on the card purchase selected. Option of 9, 12 or 15 equal monthly instalments, owed in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the Card Purchase Rate) is payable on that outstanding amount. Conversion to a humm90WRAP must take place within 30 days of eligible transaction. An eligible transaction does not include cash advances, balance transfers, interest, fees, charges or commissions. All transactions converted to a humm90WRAP cannot make up 80% or more of your credit limit.

humm^®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.

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