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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, currently 23.99% p.a. Minimum monthly repayment required. 2. Cashback available on purchases made during the 24-hour period the brand crush promotion is offered, and for purchases made via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. 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 (LTIF) available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Only available at humm90 retail partners. LTIF terms may vary depending on the humm90 retail partner. 4. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. A fee applies, calculated as a percentage of the total amount payable on the card purchase selected. Total amount payable by 9, 12 or 15 equal monthly instalments, in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the humm90 Purchase Rate, currently 23.99% p.a.) 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 available credit limit. 5. Complimentary insurance covers: AIG Australia Limited ABN 93 004 727 753 AFSL 381686 (Insurer) has issued a group policy to Mastercard Asia/Pacific Pte. Ltd which allows eligible humm90 cardholders to claim under the group policy as third party beneficiaries. Access to the benefit of cover under this policy is available to eligible humm90 cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Mastercard Asia/Pacific Pte. Ltd is a Group Purchasing Body under the ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751 and is not authorised to provide any financial advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the humm90 Platinum Mastercard Complimentary Insurance Terms and Conditions which may be amended from time to time and can be found at www.humm90.com/au/insurance/terms-conditions. humm Cards Pty Ltd ABN 31 099 651 877 does not guarantee any benefits under the policy and does not arrange or provide any financial advice in relation to coverage under the policy. We recommend you seek your own independent financial advice from a financial services licensee who is authorised to provide financial advice if you have any queries on any aspect of these insurance covers.

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

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