2019 GRAMMY Awards Promotion WIN the Ultimate Experience

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1 2019 GRAMMY Awards Promotion WIN the Ultimate Experience Schedule General Promotion Name Promoter s Details Permit Numbers Promotion Start/Close Date 2019 GRAMMY Awards Promotion WIN the Ultimate Experience Name: Latitude Finance Australia Address: 800 Collins Street, Docklands VIC, 3008 ABN: Telephone Number: (28 Degrees phone number) Privacy Policy: NSW: LTPS/18/29161 ACT: TP 18/02006 SA: T18/1837 The Promotion starts at 09.00am Australian Eastern Standard Daylight-Saving Time (AEDT) on Wednesday, 7 th November 2018 and closes at 23.59pm (AEDT) on Sunday, 16 th December 2018 (Promotional Period). No entries will be accepted after this time. Entry Details Method of Entry To enter: A. 28 Degrees Platinum Mastercard (28 Degrees) new cardholders can enter the competition if they have applied, been approved and activated their card within the Promotional Period. They must fill out the e-form on Campaign Landing Page to enter and be eligible to win. B. 28 Degrees existing cardholders will enter the competition if they activate the offer and make purchases using their 28 Degrees card to a total minimum threshold* stated in the received within the Promotional Period. * Eligible transactions do not include cash advances, credit fees or charges, credits, refunds, reimbursements or balance transfers into your account, or extended interest free or other promotional purchases. Exclusions to Entry A. New cardholders Entry is strictly limited to those who complete the e-form on the Campaign Landing Page and

2 apply, get approved and activate card within the promotional period. B. Existing Cardholders Entry is strictly limited to the recipient of an from the Promoter. C. The winning entrant must not be in default of their credit contract at the time the prize would otherwise have been credited or they will forfeit any prize awarded. D. Incomplete, or invalid purchase transactions (where payment fails to process successfully) will be deemed not eligible for entry. Directors, management, employees, officers and contractors (and their immediate families) of the Promoter or its related bodies corporate or of the agencies or organisations associated with this Promotion, are ineligible to enter. Prize Details Draw Details Two (2) random draws will take place at 3:00pm AEST on Wednesday 19 th December 2018, at Engage Australia Pty Ltd (Level 8, 56 Clarence Street, Sydney NSW 2000) as per the table below; Major Prize Draw Number Entries Open Entries Close Prize Distribution Published A 7/11/ /12/2018 First one (1) Qualifying Entry drawn from those that have entered via entry mechanic A: 28 Degrees new cardholders B 7/11/ /12/2018 First one (1) Qualifying Entry drawn from those that have entered via entry mechanic B: 28 Degrees existing cardholders 14/01/ /01/2019 The draw and the announcement of the prize winners will be scrutinised by an independent person (where independent person has the meaning given in the Lotteries and Art Unions Regulation 2014 (Cth).

3 Prizes The GRAMMY prize is courtesy of Mastercard. There are two (2) prizes to be won during the Promotion Period. Each Prize includes: A double pass VIP, Gold tickets to the GRAMMY Awards in Los Angeles, United States of America, February 8-11, An exclusive Mastercard Pre-GRAMMY reception Access to an exclusive after party Four (4) Day, Three (3) Night luxury accommodation at a 4- star hotel in Santa Monica Pre-paid Mastercard with $422 AUD Professional makeover (inclusive of hair and make-up, alternatively males can opt to get a massage) Private, customised tour to explore Los Angeles Dinner at one of Los Angeles funkiest restaurant s in Santa Monica Chauffeured trips to and from the airport Up to $4000 AUD travel voucher or credit as advised by the Promoter at selected travel agency to be applied towards two (2) return airfares to Los Angeles, United States of America. *The prize does not include travel insurance and any Electronic System for Travel Authorization (ESTA) applications required for entry into the United States of America. The prize winner and companion shall be solely responsible and liable to arrange travel insurance and ESTA. Prize Terms There are two (2) prizes to be won by two (2) people (Prize Winners). Each person can select one (1) other person over eighteen (18) years of age or older, to accompany them on the trip. The Prize Winner and accompanying person will be required to sign Waiver and Release Agreement, agreeing that they are happy for their images to be used in perpetuity by Latitude Financial Services, Mastercard and their agencies. There is no payment for this usage. Prizes are subject to the terms and conditions as imposed by the provider of the prize, including period of validity and expiry, or any booking or redemption time frames. Prizes are subject to the Winner s availability at the specified times between Tuesday, 5 th February 2019 and Thursday, 14 th February Once dispatched, the Promoter is not liable for any damage

4 (whether lost, stolen, forged or tampered with) or delay occurring in the transit of prizes. The prize is not transferrable to any other person and is not redeemable for cash or an alternative prize. The Prize Winner and the accompanying person will need to be available to travel to Los Angeles, United States of America, between approximately Tuesday, 5 th February 2019 and Thursday, 14 th February The Prize Winner and the accompanying person will each require a minimum six (6) months validity on their passport during the period of travel. The program dates are selected by the Mastercard hospitality team and the itinerary is subject to change. Total Prize Pool The total overall prize pool is valued at up to $50,000 AUD (approx. $25,000 per prize package) Notification, Publication, Verification, Delivery Notification/Publication of Winner The Winner of the competition will be notified by or by phone call and will have their details published on the 28 Degrees Facebook page, the 28 Degrees Instagram Page, the 28 Degrees Website. Winners will be notified in writing within two (2) days of the draw. Winners of prizes valued over $250 will have their details published in the Public Notices section of The Australian newspaper on Monday 14 th January Verification Requirements Delivery Date/Prize Claim Entrants and winners may, at the discretion of the Promoter, be required to: 1. provide proof of identity, age and residency to verify their entry (Proof of Identity). Identification considered suitable for verification is at the Promoter's discretion; and 2. Agree to be available for specific dates/times/locations 3. If an entrant/winner fails to provide Proof of Identity, signed Waiver and Release Agreement or agree availability to locations, dates and times stipulated by the Promoter, their entry/prize claim will be deemed invalid at the Promoter's discretion. The Prize must be claimed by the time and date allocated via or phone call by the Promoter. The Promoter is not liable for any part of the prize that has been

5 lost, stolen, damaged or tampered with in any way after it has been dispatched. Unclaimed Prize Draws The Promoter will conduct an unclaimed prize draw at 11:00am AESDST on Monday 14 th January 2019 to award any prizes that remain unclaimed. The Unclaimed Prize Draw winner will be notified in writing within two (2) days of the draw and will have their details published in the Public Notices section of The Australian newspaper, on Monday 28 th January Notification and delivery will occur as per above. Terms and Conditions 1. Participation in the Promotion constitutes acceptance of these Terms and Conditions (including the Schedule). Any capitalised terms used in these Terms and Conditions have the meaning given in the Schedule, except where stated otherwise. 2. The competition will be advertised on 28 Degrees website, social media and , as soon as permit is issued. Entry 3. Entry to Promotion is open to residents who meet the Entry Restrictions (over 18). 4. The Promotion will be conducted during the Promotion Period. To enter, entrants must comply with the Entry Instruction during the Promotion Period. Any entry must be made personally. No entry made by a third party on behalf of an entrant will be valid. 5. Entrants in the competition may enter up to the Maximum Entries. Entries must be submitted in accordance with the Entry Instruction. Once submitted, entries will not be capable of alteration or deletion. 6. Entries must be received by the Promoter during the Promotion Period. Online and other electronic entries are deemed received at the time of receipt into the relevant database. The Promoter accepts no responsibility for any late, lost or misdirected entries. 7. The Promoter reserves the right to verify identity as per the Verification Requirements. In the event that a winner cannot provide suitable proof, the winner will forfeit the prize in whole and no substitute will be offered. 8. The Promoter reserves the right to verify the validity of entries and to disqualify any entry which, in the opinion of the Promoter, includes objectionable content, profanity or other defamatory

6 statements. The Promoter reserves the right to disqualify any entrant or winner, who breaches these Terms and Conditions, tampers with the entry process, engages unlawful, fraudulent, misleading or deceptive behaviour (including any behaviour calculated to jeopardise the fair and proper conduct of the promotion), or damages the goodwill or reputation of the Promoter. Inaudible, illegible, incomprehensible and incomplete entries will also be deemed invalid. Prizes 9. The prize is specified in the Prize Details, and subject to Prize Terms (including those specified below). Total prize pool is also specified in the Schedule. 10. Prize value is based upon the recommended retail price at the time of printing (inclusive of GST). The Promoter accepts no responsibility for change in prize value between now and the final prize redemption date. 11. All costs associated with a prize, which are not expressly included in the Schedule as an element of the prize, are the responsibility of the winner. 12. If the prize is unavailable, for whatever reason, the Promoter reserves the right to substitute the prize for a prize of equal or greater value, subject to law. 13. It is a condition of accepting the prize that the winner must comply with all conditions of use of the prize and any other requirements, or terms, imposed by the supplier of the prize. 14. The prize must be booked and completed as specified by the Promoter or by the supplier of the prize. Any travel provided as part of the prize must be taken on dates specified by the Promoter. The prize is subject to booking and availability, and is subject to any terms and conditions imposed by the relevant providers. 15. The Prize winner may be given additional money. This will be at the discretion of the Promoter. 16. The Prize Winner will not be able to return the Prize for a cash refund. Latitude Financial Services are not responsible for the loss, theft or damage of the items included within Prize. 17. The Promoter and any agencies or companies associated with this Promotion, make no representation as to the safety conditions, political conditions, or other issues that may exist at any destination. 18. The winner is responsible for expenses including; accommodation (unless specified), spending money, meals (unless specified), drinks, transfers (unless specified), laundry charges, activities (unless specified), incidentals, taxes, gratuities, services charges, passports, visas, travel insurance

7 and all other ancillary costs. Travel insurance is highly recommended to protect against the additional costs incurred in the event of unforeseen circumstances. Determination and Notification 19. The Winner will be notified, and their name and State/Territory of residence will be published as per the Schedule. The Promoter and the companies/agencies associated with the Promotion may also publish the name and State/Territory of residence of the Winner on their website(s) and in trade publications. 20. The Prize will be awarded to the person named in the valid entry. In the event of any dispute, the prize will be awarded to the account holder of the entry mechanism used to submit the entry. 21. Should an entrant s contract details change during the Promotional Period, it is the entrant s sole responsibility to notify the Promoter. Claiming Prizes 22. The prize must be claimed by the Prize Claim Date in accordance with instructions set out in the Schedule. If a prize is not accepted or claimed by that Prize Claim Date, the Promoter reserves the right to distribute the unclaimed prizes in accordance with the Unclaimed Prize Draw details specified in the Schedule, subject to any directions given by relevant authorities. 23. In the event (for any reason) the Winner does not take, or participate in (due to any issues including travel), an element of the prize at the time stipulated by the Promoter, then that prize will be forfeited and cash will not be awarded in lieu of that element of the prize. Facebook Promotions 24. If the Promotion is conducted via Facebook or Instagram, entrants acknowledge and agree that: the Promotion is in no way sponsored, endorsed, administered by, or associated with Facebook or Instagram and any information provided in connection with the Promotion is provided to the Promoter, not Facebook or Instagram; entry and participation in the Promotion is dependent on entrants acting in accordance with the Facebook Statement of Rights and Responsibilities (available at and the entrant releases Facebook and its

8 associated companies from any and all liability arising in relation to this Promotion. Other Terms 25. The Promoter is not liable for any tax implications that may arise from the prize winnings. 26. The promoter reserves the right to refuse to allow a winner to take part in any or all aspects of the prize, if the promoter determines, in their absolute discretion, that a winner is not in the mental or physical condition necessary to be able to safely participate in the prize. It is a condition of accepting the prize that the winner may be required to sign a legal release in a form determined by the promoter in its absolute discretion. 27. The winner agrees to participate, as reasonably required, in media editorial requests relating to the prize, including being interviewed, photographed and filmed. 28. In consideration for the Promoter awarding the prize to the winner, the winner hereby permits the winner s image and/or voice, as recorded, photographed or filmed during the winner s participation in the prize to appear in connection with any media or advertising or marketing thereof, in any media whatsoever throughout the world and the winner will not be entitled to any fee for such use. 29. By accepting the prize, the winner agrees to participate in and co-operate as required with all reasonable media editorial requests relating to the prize, including but not limited to, being interviewed and photographed throughout the duration of the prize. 30. In the event that for any reason whatsoever a winner does not take an element of the prize at the time stipulated by the Promoter then that element of the prize will be forfeited by the winner and cash will not be awarded in lieu of that element of the prize. 31. It is a condition of accepting the prize that the winner may be required to sign a legal release in a form determined by the Promoter, in its absolute discretion. If the legal release is not signed within the time specified, the relevant entry will be deemed invalid. Where such occurs, the Promoter may determine a new winner in accordance with the arrangements specified in the Schedule (Unclaimed Prize Draws). 32. GRAMMY, GRAMMY Awards and the gramophone logo are registered trademarks of The Recording Academy and are used under license 2018 The Recording Academy Copyright 2018 Mastercard. Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

9 33. The Promoter and agencies or companies associated with this Promotion will not be liable for any loss or damage whatsoever which is suffered (including indirect or consequential loss) or for any personal injury suffered or sustained in connection with a prize except for any liability which cannot be excluded by law. 34. The Promoter and their associated agencies and companies is not liable for (including any costs) any error, omission, interruption, deletion, defect, delay in operation or transmission, network failures, tampering, unauthorised intervention, fraud communications line failure, theft or destruction or unauthorised access to, or alteration of entries, and any cause beyond the control of the Promoter, and reserves the right to take any action that may be available. 35. In the case of the intervention of any outside act, agent or event which prevents or significantly hinders the Promoter s ability to properly proceed with the competition on the dates and in the manner described in these terms and conditions, including but not limited to vandalism, power failures, tempests, natural disasters, inclement weather conditions, acts of God, civil unrest, strike, war, act of terrorism, computer virus, fraud, tampering, unauthorised intervention, or technical failure, the Promoter may in its absolute discretion cancel, terminate, modify or suspend the competition, subject to direction of the relevant authorities. 36. All entries become the property of the Promoter. The Promoter (and its agents) collect, hold, and use the personal information of entrants for the purpose of conducting this competition, and for future promotion of the Promoter s goods and services in accordance with the Promoter s Privacy Policy. 37. The Promoter may disclose entrants personal information to companies connected with this Promotion and to State/Territory authorities. If the entrant does not agree with the collection, use, holding or disclosure of their personal information, they must not enter this competition. If the entrant no longer consents to their details being used, or wish to update, modify or delete their details, the entrant should contact the Promoter.