Low Rate MasterCard Credit Card

_{Important information
Fees and charges apply. Terms and conditions apply and are available upon request.}

_{Final approval of your MasterCard® application will be subject to satisfying Card Services’ Credit Criteria.}

¹ _{Please note that subject to your acceptance, and upon activation of your card, you will be charged the annual card fee. For the CUA Low Rate MasterCard you will be charged a half price Annual Primary Cardholder fee, currently $37, in the first year, which will revert back to the full Annual Primary Cardholder fee in subsequent years, currently $75. Existing CUA Credit Cardholders are excluded from this half price annual fee offer. Half price annual fee offer ends 30 June 2013.}

_{² Purchase Cover Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.}