Issuer: MetLife Insurance Limited (MetLife)

Level 9, 2 Park Street, Sydney NSW 2000

ABN: 75 004 274 882 AFSL No. 238096

Distributor: Citigroup Pty Limited (Citibank)

2 Park Street, Sydney NSW 2000

ABN: 88 004 325 080 AFSL No. 238098

CreditShield®

EdgeAffordable credit card protection for real peace of mind.

Product Disclosure StatementPrepared: 1 June 2010

What is a Product Disclosure Statement?A Product Disclosure Statement (PDS) is a document which will assist you to make an informed decision about whether or not to purchase a particular insurance product. You should read it carefully before you make your final decision to purchase.

This PDS contains general information about CreditShield Edge, which will help you decide whether it is right for you. It explains the significant benefits, premiums, significant risks, our complaints handling process, cooling off period and other rights, and terms and conditions relating to this product. It has been prepared without taking into account your financial situation, needs and objectives. You should read and consider the information contained in this PDS to understand the extent of the cover provided by this policy and its limitations to consider whether it is appropriate for you. You may wish to consult a financial adviser.

The information contained in this Product Disclosure Statement (PDS) is current at the time of issue. From time to time we may change or update information that is not materially adverse by providing a notice of changes on www.metlife.com.au. You can obtain a paper copy of the updated information by calling us on the number shown on the back cover of this PDS.

If there is a materially significant change or omission to this PDS, we will issue a supplementary or replacement PDS.

CreditShield Edge is issued by MetLife Insurance Limited (MetLife). ABN 75 004 274 882 AFSL 238096 Level 9, 2 Park Street, Sydney NSW 2000 Telephone:1300 555 625 www.metlife.com.au

CreditShield Edge is distributed by Citigroup Pty Limited (Citibank) ABN 88 004 325 080 AFSL 238098. CreditShield Edge is not a product of, nor is it guaranteed by, Citibank.

CreditShield Edge is not a product of, nor is it guaranteed or distributed by Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (“Virgin”) or the Virgin related entity Virgin Money Financial Services Pty Ltd ABN 51 113 285 395.

None of the entities MetLife, Citibank or Virgin are related entities of each other.

In this PDS:

• “we”, “our” and “us” refers to MetLife;

• “you” and “your” means the credit card account holder and who is also the insured person; and

• “partner” refers to a person living with you as your spouse or defacto in a domestic relationship in good faith, who is also a supplementary card holder on your Virgin credit card account.

Cover is issued from MetLife’s No.1 Statutory Fund. CreditShield Edge is not a savings plan.

Table of Contents

9 great reasons to choose CreditShield Edge 2

About CreditShield Edge 3Cooling off period 3

What are the significant benefits? 4Why should I consider CreditShield Edge? 4What benefits does CreditShield Edge provide? 4Multiple Claims 9Maximum Benefits 9

When will a benefit not be paid? 10

Applying for CreditShield Edge 11Am I eligible to apply for cover? 11How do I apply for CreditShield Edge? 11How much am I covered for? 11When will my cover commence? 11When will my cover end? 11

What does CreditShield Edge cost? 13How is my premium calculated? 13What happens if my premium is not paid? 13Can my premium change? 13

Additional Information 14Are there any risks in purchasing CreditShield Edge insurance? 14Who receives the benefit? 14How do I make a claim? 14Will I have to pay tax on my CreditShield Edge benefits? 14What if I have a problem with my insurance? 15Register of alternative forms of remuneration 15What happens with the personal information I provide? 16

Application Form

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9 great reasons to choose CreditShield Edge

1. Comprehensive protection for your Virgin credit card and your monthly repayments.

2. Guaranteed cover for all Virgin credit card account holders aged 18 to 59 who are citizens or permanent residents of Australia.

3. Free cover for events involving your partner if they are a supplementary card holder for Injury, Unemployment and Accidental Death Benefits.

4. Benefits when you purchase your first house or new car, get married or have a baby up to $1,000 for each Life Event.

5. The peace of mind of up to $50,000 cover in the event of your illness, injury or death.

6. Double benefits in the event of your accidental death – up to $100,000 cover.

7. The reassurance of up to $10,000 cover in the event of your unemployment.

8. Affordable monthly premiums a low 49c per $100 of your outstanding statement balance.

9. Worldwide cover 24 hours a day, 365 days a year wherever you are in this world you are covered.

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About CreditShield Edge

Your Virgin credit card brings you the financial freedom of being able to purchase the things you want, when you want them. With that freedom comes the need to responsibly manage your finances, including making your regular monthly repayments – no matter what happens. But have you stopped to think about how you would make your repayments if you lost your job or became sick or injured? Or would your family inherit your credit card debt if you died?

Now, you can have the peace of mind in knowing that, should you or your partner be injured, or unemployed, or you become sick, you will have help with your credit card repayments. And it won’t cost you the earth.

And it’s not just when things go wrong in life that you need a helping hand. With CreditShield Edge, when a significant life event occurs, such as you get married, have a child, purchase your first home or first new car, we’ll be there with a financial contribution to help ease the load.

Cooling off period

For your added peace of mind, CreditShield Edge comes with a 30 day cooling off period, so you have 30 days from your commencement date to review your insurance and make sure that it meets your needs. If you change your mind and wish to cancel your insurance during that time, you will be entitled to a full refund of premiums paid up to that time.

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What are the significant benefits?

Why should I consider CreditShield Edge?

Virgin credit card account holders can enjoy the peace of mind of up to $50,000 protection for their credit card repayments. All eligible Virgin credit card customers are guaranteed cover, and applying is as easy as a phone call or completing our simple application form.

What benefits does CreditShield Edge provide?

BenefitsAccount Holder

Account Holder’s Partner*

24 hour worldwide protection ✓ ✓

Life Events Benefit ✓

Injury Benefit ✓ ✓

Illness Benefit ✓

Unemployment Benefit ✓ ✓

Death Benefit ✓

Accidental Death Benefit ✓ ✓

*Partner means a person living with you as your spouse or defacto in a domestic relationship in good faith who is also a supplementary card holder on your Virgin credit card account.

Monthly premium per $100 outstanding balance 49 cents

Additional Cover for Account Holder’s Partner Free

In the event that you make a claim, the benefit is paid to Citibank who will apply the benefit to your credit facility.

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1. Life Events Benefit

Account Holder ✓

We understand that even when things are going well, you could use a helping hand and that there are certain life defining events which, whilst wonderful, will generally mean increased financial strain.

The Life Events Benefit pays 10% of your outstanding balance to your credit card when you:

• purchase a brand new car for the first time;

• purchase your first home, which will be your main residence;

• get married; or

• have or adopt a child.

We also understand the trauma that the death of a spouse causes and, in this event, the Life Events Benefit will provide some financial assistance.

The amount of the benefit paid is based on your outstanding balance at your statement date immediately prior to the Life Event. A maximum of two Life Events Benefits are payable in any 12 month period.

2. Injury Benefit

Account Holder ✓ Account Holder’s Partner ✓

If you or your partner are injured and unable to work for 30 continuous days, we will pay 5% of your outstanding balance, for each month you or your partner remain unable to work for up to:

• 3 months, if the injury relates to a medical condition for which you or your partner sought or obtained advice or treatment for that injury from a medical practitioner prior to your commencement date; or

• 24 months, if the injury first occurs after the commencement date.

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If the Injury Benefit is payable for less than one whole month it will be calculated as 1/30th of the monthly amount for each day that you or your partner are unable to work.

If there is a recurrence of the same or related injury within 180 days of the date that we last paid a benefit, we will treat this as a continuation of the previous claim and the waiting period of 30 consecutive days will be waived. If you have previously received the maximum Injury Benefit in respect of an injury, you or your partner will have to return to work for at least 180 days for you to make a new claim for the same injury.

For you to be eligible to receive the Injury Benefit, you or your partner must have been working in continuous employment for at least 180 days prior to having an injury that caused you or your partner to cease work.

The amount of the benefit paid in each applicable month is based on 5% of your outstanding balance at your statement date immediately prior to your or your partner’s injury.

3. Illness Benefit

Account Holder ✓

If you are ill and unable to work for 30 continuous days, we will pay 5% of your outstanding balance, for each month remain unable to work for up to:

• 3 months, if the illness relates to a medical condition for which you sought or obtained advice or treatment for that illness from a medical practitioner prior to your commencement date; or

• 24 months, if the illness first occurs after the commencement date.

If the Illness Benefit is payable for less than one whole month it will be calculated as 1/30th of the monthly amount for each day that you are unable to work.

If you suffer from a recurrence of the same or related illness within 180 days of the date to which we last paid a benefit, we will treat this

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as a continuation of the previous claim and the waiting period of 30 consecutive days will be waived. If you have previously received the maximum Illness Benefit in respect of an illness, you will have to return to work for at least 180 days to make a new claim for the same illness.

For you to be eligible to receive the Illness Benefit, you must have been working in continuous employment for at least 180 days prior to being diagnosed with an illness that caused you to cease work.

The amount of the benefit paid in each applicable month is based on 5% of your outstanding balance at your statement date, immediately prior to your illness.

4. Unemployment Benefit

Account Holder ✓ Account Holder’s Partner ✓

If you or your partner remain unemployed and unable to work for 90 continuous days, we will pay 5% of your outstanding balance, for each month you or your partner remains unable to find work for up to:

• 3 months, if unemployment is as a result of resignation, voluntary redundancy or ceasing trade in your or your partner’s own business; or

• 6 months, if unemployment is a result of any other reason.

If the Unemployment Benefit is payable for less than one whole month it will be calculated as 1/30th of the monthly amount for each day that you or your partner are unable to find work.

For you to be eligible to receive the Unemployment Benefit, you or your partner will need to be:

• working in continuous employment for at least 180 days prior to being unemployed;

• registered with an Australian Government Approved Recruitment Agency; and

• actively seeking work.

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A subsequent Unemployment Benefit will only be available after you or your partner have been working in continuous employment for at least 180 consecutive days since the previous period of unemployment.

This benefit is based on 5% of your outstanding balance at your statement date, immediately prior to when:

• you or your partner were notified of the impending unemployment;

• you or your partner resigned; or

• your or your partner’s business ceased trading.

5. Death Benefit

Account Holder ✓

The Death Benefit is designed to ensure your loved ones are not burdened by the outstanding debt of your credit card should you unexpectedly die.

In the event of your death, we will pay the outstanding balance of your credit card, as at the date of death.

If your credit account has been closed, the Death Benefit will be paid to your estate.

6. Accidental Death Benefit

Account Holder ✓ Account Holder’s Partner ✓

In the event of your or your partner’s death as a result of an accident, we will pay the outstanding balance of your credit card, as at the date of your or your partner’s death. This is in addition to any Death Benefit payable.

If your credit account has been closed, the Accidental Death Benefit will be paid to your estate.

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Multiple Claims

If you and your partner become injured or unemployed at the same time, then you are eligible to claim for both events. This means that the combined benefit payable will be up to 10% of the outstanding balance.

You can only claim one benefit if:

• you are ill, injured and/or unemployed at the same time; or

• your partner is injured and unemployed at the same time.

For multiple births or adoptions, each child will be classified as a separate Life Event.

Maximum Benefits

The maximum cumulative amount of benefits payable over the life of your CreditShield Edge insurance for:

• Life Events is $10,000;

• Death, Injury, Illness, Unemployment & Life Events is $50,000;

• Unemployment is $10,000; and

• Accidental Death is $50,000.

These maximum cumulative amounts apply to CreditShield Edge only, and are independent of any other insurance cover you may have.

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When will a benefit not be paid?

No benefits will be payable under this insurance where the event giving rise to the claim occurs as a result of:

1. Life Events:

1.1 if the life events occurred prior to the commencement date;1.2 if you were aware that the life event was going to occur

prior to the commencement date; or1.3 if any of the life events occurred during the first ninety (90)

days after the commencement date.

2. Injury:

2.1 if you or your partner are injured and cannot work at the commencement date;

2.2 if you or your partner fail to seek medical advice or treatment for their injury; or

2.3 if the injury is the result of taking part in an illegal or criminal activity, whether or not you or your partner were charged with any offence.

3. Illness:

3.1 if you fail to seek medical advice or undertake treatment for your illness; or

3.2 if the illness is as a result of a normal and uncomplicated pregnancy.

4. Unemployment:

4.1 if the unemployment is due to illness or injury, or 4.2 if you or your partner are dismissed from employment for

taking part in an illegal or criminal activity, whether or not you or your partner were charged with any offence.

5. Death if your death is as a result of suicide within 13 months of the commencement date.

6. Accidental Death if the death is as a result of suicide or illness.

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Applying for CreditShield Edge

Am I eligible to apply for cover?

You can apply for CreditShield Edge cover if you:

• have a new or existing Virgin credit card;

• are aged between 18 and 59 years;

• are an Australian citizen or permanent resident of Australia; and

• have received this PDS.

How do I apply for CreditShield Edge?

Applying is easy and there are absolutely no medicals or blood tests to take. To organise your CreditShield Edge cover simply:

• complete and mail the enclosed application form; or

• call 13 37 39 for more information.

How much am I covered for?

With CreditShield Edge you don’t need to select a level of cover – you will be covered every month for your outstanding balance on your monthly statement, up to $50,000.

When will my cover commence?

Your cover will commence as soon as your application for CreditShield Edge is accepted by MetLife. MetLife will send you a Certificate of Insurance, confirming that your cover is in place.

When will my cover end?

This insurance cover will end on the earliest of the following events:

• when you reach age 65;

• the date your credit account has been cancelled;

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• the date your insurance is cancelled due to non-payment of premium;

• you cancel your insurance;

• you make a fraudulent claim; or

• on your death.

Cover for events involving your partner will end when you or your partner reach age 65.

You may cancel your insurance at any time by giving us notice in writing or by calling 13 37 39.

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What does CreditShield Edge cost?

CreditShield Edge costs just 49c per $100 of your outstanding balance on your monthly statement. This premium will be automatically billed to your Virgin credit card each month. You can see and check the charge on your statement each month.

How is my premium calculated?

Your monthly premium payable may be different each month, depending on your outstanding balance on your monthly statement.

In any month that you have a nil statement balance on your credit card, you pay nothing.

How to calculate your premium

David has a credit limit of $20,000 and his partner Lauren has a supplementary card. David and Lauren have chosen CreditShield Edge to protect the credit card repayments.

In month 1, David’s outstanding balance as it appears on his monthly statement is $2,800. The premium for that month is calculated as $2,800/100 x $0.49 = $13.72.

In month 2, the outstanding balance is $0. The premium for that month is $0.

What happens if my premium is not paid?

Your premium must be paid, when due, throughout the life of your policy. If your premium is not paid within 30 days of it being due, MetLife will cancel your policy.

Can my premium change?

We may amend your premium rates any time and, as a result, your premiums may increase or decrease. However, your premium can only change if we change the rates for all CreditShield Edge policies like yours, and you cannot be singled out for an increase. If we amend your premium rates, we will provide you with at least 30 days written notice.

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Additional Information

Are there any risks in purchasing CreditShield Edge insurance?

Some of the risks associated with purchasing CreditShield Edge insurance include:

• the type of cover provided may not suit your needs;

• there are limits placed on some benefits; and

• a benefit may not be paid because of one of the limitations listed in the section ‘When will a benefit not be paid?’ on page 10.

It is important to ensure that this insurance meets your needs both now and in the future.

Who receives the benefit?

In the event that you make a claim, the benefit is paid to Citibank who will apply the benefit to your credit facility.

How do I make a claim?

If you, or your family on your behalf, need to make a claim, please contact us as soon as possible on 13 37 39. We will send out a Claims Pack, which sets out in detail the information that is required to assess and complete a claim.

Will I have to pay tax on my CreditShield Edge benefits?

Generally, lump sum payments to individuals under death, accidental death or life events are not assessable for income tax purposes. Payments made due to unemployment, illness or injury may be taxable. Premiums are generally not tax deductible.

GST does not apply to these insurance premiums. If tax laws are altered, MetLife reserves the right to increase premiums or charges to reflect any new or increased taxes.

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This information is based on MetLife’s interpretation of the present taxation rules. You should seek advice from a suitably qualified professional in relation to your particular circumstances.

What if I have a problem with my insurance?

For all CreditShield Edge complaints we have established a complaints resolution process and are committed to working with you to resolve your concerns. Please contact us as follows:

For claims complaints:Telephone: 1300 555 625Mail: Dispute Resolution Officer

MetLife Insurance Ltd Reply Paid 3319, Sydney NSW 2001

For all other complaints:Telephone: 13 37 79Mail: Customer Advocacy Unit

GPO Box 5208, Sydney NSW 2001

If you are not satisfied with the response to your complaint, you can contact the Financial Ombudsman Service (FOS), an independent and impartial body, who will investigate the matter. Please contact them by:

Telephone: 1300 780 808Mail: The Executive Officer

Financial Ombudsman Service GPO Box 3, Melbourne Victoria 3001

Email: info@fos.org.auWebsite: www.fos.org.au

Register of alternative forms of remuneration

MetLife maintains a register of alternative forms of remuneration paid to intermediaries as required by the Investment & Financial Services Association (IFSA) of which it is a member. The purpose of this register is to provide an outline of the alternative types of remuneration paid and received. You can obtain a copy by calling MetLife on 1300 555 625.

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What happens with the personal information I provide?

If you want to purchase CreditShield Edge, we need to collect personal information from you so we can:

• assess your application;

• set up and administer your policy;

• provide you with service; and

• assess any claims you may have.

Additionally, we may use your personal information you give us to:

• improve our financial products and services; and

• provide you with information about other MetLife products and services.

In some circumstances this may mean that will need to share your information with a third party, eg. your doctor, in the event of a claim. We may also need to send your personal information overseas or collect personal information about you from overseas.

You may request a copy of the information we hold about you at any time.

For our full Privacy Statements please go to www.metlife.com.au/privacy or call us on 1300 555 625.

We may collect some of your personal information through the distributor of CreditShield Edge and the credit provider of your Virgin credit card, Citibank, from the information you provided at, or subsequent to, the time you applied for your credit card. For information on Citibank’s privacy policy, please refer to your credit card terms and conditions, go to www.citibank.com.au or call Citibank on 13 24 84.

3 easy steps to apply for CreditShield® EdgeTo apply for CreditShield Edge please print out and complete this application form then mail to:

CreditShield® Edge AdministratorReply Paid 4799, SYDNEY NSW 2001

No stamp required if posted in Australia

Please print in the spaces provided using block letters. Applications are subject to approval by MetLife.

1. Please enter your credit card information

Credit card number

Card expiry date D D / M M / Y Y Y Y

2. Please complete your personal details

Your title First name

Last name

Gender Female Male Date of birth D D / M M / Y Y Y Y

Street no. and name

Suburb

State Postcode

Telephone home ( )

Telephone work ( )

Mobile

Email

3. Please sign here

I apply for CreditShield Edge, issued by MetLife Insurance Limited. My decision is based on the material in the Product Disclosure Statement (PDS), to which this application was attached, and my understanding of it. I am under age 60. I authorise MetLife to charge my Virgin Credit Card with the monthly premium. I have read and understood the Privacy Policy in the PDS and agree to the collection, use and disclosure of personal information as described.

Signature of credit card holder ✗

Date D D / M M / Y Y Y Y

MetLife Insurance LimitedLevel 9, 2 Park, Street, Sydney NSW 2000

ABN: 75 004 274 882 AFSL No. 238096

metlife.com.au

For enquiries call

13 37 39virginmoney.com.au

MET

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Financial Services GuideThis Financial Services Guide (“FSG”) is dated 18 May 2010.It provides you with information about the financial services provided to you by Citigroup Pty Limited ABN 88 004 325 080 AFSL 238098 (“Citi”, “we”, “our”, or “us”) and its representatives including Citigroup Business Process Solutions Pte Ltd ARBN 125 814 048 (“CBPS”), Diners Club Pty Limited ABN 35 004 343 051 (“Diners Club”), Aegis Services Australia Pty Limited ABN 44 070 034 598 (“Aegis”), IBM Daksh Business Process Services Philippines, Incorporated ARBN 139 625 826 (“IBM”) and from 30 June 2010 SEMA Group Pty Limited ABN 58 002 012 320 (“SEMA”) and SalesForce Australia Pty Ltd ABN 30 006 688 955 (“Salmat”) to help you decide whether to use the financial services offered. It also provides information on how Citi and other relevant persons are remunerated and about what to do if you have a complaint and how it will be dealt with. Distribution of this FSG by its Authorised Representatives has been authorised by Citi.With this FSG, you may also receive a Product Disclosure Statement (“PDS”) for a life insurance, general insurance or consumer credit insurance product (the “Insurance Products”) when we may make a recommendation to you to buy an Insurance Product and/or arrange the issue of it. The purpose of the PDS is to help you compare products and make an informed decision about whether to acquire the Insurance Product. The PDS includes information such as the fees payable, risks, benefits and significant characteristics of the particular Insurance Product.CitiCiti holds an Australian financial services licence (AFSL No. 238098) and is authorised to deal and to provide general advice on the Insurance Products. You can contact Citi by calling 13 24 84 or write to Citi, GPO Box 40, Sydney NSW 2001.CBPS, Diners Club, Aegis and IBMCBPS (Authorised Representative No. 317876), Diners Club (Authorised Representative No. 266611), Aegis (Authorised Representative No. 253168) and IBM (Authorised Representative No. 341402) are all authorised representatives of Citi and may be engaged to provide financial services* on behalf of Citi in relation to an Insurance Product. The financial services provided by CBPS, Diners Club, Aegis or IBM in relation to this FSG are provided for Citi only. Should either CBPS, Diners Club, Aegis or IBM offer to provide you with any financial services under another authorisation, you will receive an FSG in relation to that service. You can contact: CBPS at GPO Box 40, Sydney NSW 2001Diners Club at GPO Box 5088, Melbourne VIC 3001Aegis at PO Box 238, South Melbourne VIC 3205IBM at Level 13, 601 Pacific Highway, St Leonards NSW 2065SEMA and SalmatAs of 30 June 2010 SEMA and Salmat (Authorised Representative No. 298045) will be authorised representatives of Citi and may be engaged to provide financial services* on behalf of Citi in relation to an Insurance Product. The financial services provided by SEMA or Salmat in relation to this FSG are provided for Citi only. Should either SEMA or Salmat offer to provide you with any financial services under another authorisation, you will receive an FSG in relation to that service. You can contact: SEMA at 6 The Crescent, Kingsgrove NSW 2208Salmat at 50 Franklin St, Melbourne VIC 3000 Our Authorised Representatives change from time to time. The list above is correct as at the date you are provided this FSG. You can obtain a copy of our current FSG from www.citibank.com.au or by phoning 13 24 84.*Financial services providedRepresentatives of Citi, Diners Club, Aegis, IBM, SEMA or Salmat may call you to discuss the offer of insurance described in the relevant PDS, if we have provided one to you. Representatives of Citi, CBPS, Diners Club, Aegis, IBM, SEMA or Salmat may discuss with you the offer of insurance when you contact any of them. These representatives are authorised to provide you with general advice only, relating to these Insurance Products.

They are not able to provide you with personal advice, which means that your personal financial situation, needs and objectives will not be considered.Citi is responsible for the financial service provided to you. If you do not wish to be called about Citi product offers then please phone 13 24 84 to register your request.As an Authorised Deposit-taking Institution, we are not required by the Australian Securities Investments Commission to obtain professional indemnity insurance. How do I pay for the financial services provided?If you purchase any of the Insurance Products, you will be required to pay a premium as described in the PDS. If you decide to purchase any of the Insurance Products, this charge is automatically billed to your nominated account. If you do purchase any Insurance Product there is no charge to you for the service provided. The representatives that provide you with information about the Insurance Products are paid salary or wages and may receive a commission of up to 40% of their salary (paid monthly), dependent upon their achievement of key performance indicators, including quality of service to you and sales of the Insurance Products. They may also be entitled to other incentives, such as gift vouchers.For selling Insurance Products that are consumer credit insurance products, Citi receives up to a 20% commission from financial product issuers. Citi’s brokers may receive, from Citi, benefits equaling amounts up to the amount of commission Citi receives from financial product issuers, for referrals to Citi that result in product sales. This is not an additional cost to you. For selling Insurance Products that are life insurance products, Citi receives up to a 100% commission from financial product issuers. This is not an additional cost to you. For selling Insurance Products that are general insurance products, Citi receives up to a 40% commission from financial product issuers. This is not an additional cost to you.Citi may receive marketing rebates, sponsorship payments, system and administration rebates, or non-monetary benefits, such as briefings, training and sales materials from financial product issuers with whom insurance policies are placed.Insurance ProductsCiti has an exclusive distribution agreement with MetLife Insurance Limited ABN 75 004 274 882 AFSL No. 238096 (“MetLife”) until July 2010, which means that Citi will only distribute non-superannuation life insurance, total and permanent disability and trauma insurance during that period where such insurance has been issued by MetLife.What If I have a complaint?We have established a free complaints resolution process. If you have a complaint please call Citi on 1300 308 935. We will take action to investigate your complaint and will respond to you in writing, unless agreed otherwise, within 21 days to tell you of the outcome or that we need more time.You may also wish to write to us. Our address is:Citigroup Pty Limited Customer Advocacy Unit GPO Box 204 Sydney NSW 2001.If you are not satisfied with our response you can contact the Financial Ombudsman Service (“FOS”), our free external dispute resolution service, who will then investigate the matter. The telephone number is 1300 780 808. The address is:The Manager Financial Ombudsman Service Limited GPO Box 3, Melbourne VIC 3001.Please contact CBPS, Diners Club, Aegis, IBM, SEMA or Salmat if you require further information about their relationships with other AFS licensees.

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