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ANZ Gold Edition

April 2003

Item No. 79653

Credit Card ProtectionIf you’ve ever lost your credit cards, mobile phone, keys or worse still, had themstolen, you know that ‘awful sinking feeling’ all too well. It’s not easy to forget.

And that’s why we’re pleased to offer you Credit Card Sentinel – a convenientservice which provides members with protection, security and peace of mind in the event of loss or theft, 24 hours a day, 7 days a week.

Credit Card Sentinel’s key benefits include:*

> Fast cancellation of lost or stolen cards

> Fast notification to card issuer to help protect against fraud

> Arrange reissue of stolen cards

> Fast notification of lost or stolen registered mobile phones to service providers

> Return of retrieved lost phones

> Return of retrieved lost luggage

> Return of retrieved lost keys

> Registration of important documentse.g. Medicare card and driver’s licence details

> Registration of valued possessionse.g. camera, computer and stereo details

> Passport assistance service

> Fast emergency cash advance when travelling

> Easy change of address service

*Subject to terms and conditions. Credit Card Sentinel Pty Limited ABN 53 054 235 157 is wholly owned by Promina Group.

Credit Card Sentinel membership is just $30 for anindividual per year or $45 for a family membership.

To find out more, to join or for terms and conditions,please call Credit Card Sentinel on 1800 022 043or visit www.creditcardsentinel.com.au

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If you are an existing ANZ Gold cardholder and join Spherebefore 31 May 2003 you will earn 4,000 Bonus Points. For more information on Sphere or to join the program:

Call 13 22 73

Log on to www.anz.com/gold

Sphere is a reward program like no other which offersthe revolutionary combination of Sphere Instant Rewards(in-store discounts and special offers exclusive to Spheremembers) plus the power to earn and redeem Sphere points.

A faster way to earn Sphere points

A great way for Sphere members to build up points is toshop at Sphere Bonus Partners using your ANZ Gold card.You can earn double or even triple Sphere points onpurchases. Simply shop at our exciting range of BonusPartners and you can earn points quickly!

New Bonus Partners

Now you can earn even more Sphere points with theselatest additions to the Sphere program. New Bonuspartners are being added all the time!

AUD1 = 3 Sphere pointsYou can expect prompt service, competitive pricing, a large range ofbrands and technical advice at over 320 stores across the country. At participating stores only.

AUD1 = 3 Sphere pointsBrown Sugar fashion is classic with a cutting edge. As wellas suiting, knitwear and essential items, you will always find something a little different.

AUD1 = 3 Sphere pointsHMV is one of Australia’s leading music, DVD and video retailers withover 32 stores in NSW, QLD and VIC. Whatever your taste in music ormovies, HMV has it for you.

AUD1 = 3 Sphere pointsSynonymous with the Australian bush, Paddy Pallin is one ofAustralia’s leading suppliers of specialist outdoor and travel gear.Paddy Pallin also have mail order and an online division.

Earn four points with…

AUD1 = 4 Sphere pointsSurf Dive 'N Ski offers the very best in surf and skate apparel andhardware. Quiksilver, Rip Curl and Billabong are but a few of thelabels found in their stores.This does not include ‘SDS ’ stores in NSW which are separately owned.

Earn triple points with…

AUD1 = 3 Sphere pointsOne of the largest and fastest growing retail golf store groupsin Australia, The House of Golf pride themselves in stocking thelargest range at the lowest prices.

AUD1 = 3 Sphere pointsLeading jewellers since 1903, Prouds offers quality at affordableprices giving you maximum value for money.

PlusMake a purchase of $100 or more with your ANZ Gold card before 31 August 2003 you’ll earn 4 pointsper dollar on the entire purchase.

Terms and Conditions1. Tickets must be purchased online at www.villagecinemas.com.au using your ANZ Gold card. Bookings available for City Centre, Crown Casino, Geelong, Glen Waverley, Jam Factory, Knox,Parramatta, Rivoli, Southland, Sunshine and Waverley Gardens cinemas only. 2. Points are awarded when customers pay their premium on eligible insurances with their ANZ Gold card,which are in the name of the cardholder or additional cardholders. Points are an alternative to and can not be earned in conjunction with any special offers or discounts available. 3. Available from participating HWT offices only. A limit of one allocation of additional bonus points per Sphere member. These additional bonus points will be allocated once final holidaypayment has been made. Final payment must be made before 30/06/03. A combined total of 100 allocations of additional bonus points available for domestic or international bookings,available to ANZ Gold cardholders enrolled in Sphere on a first come first served basis.

Join Sphere now and earn 4,000 Bonus Points.Earn double points with…

AUD1 = 2 Sphere pointsANZ insurance offers a complete range of competitive insurancesfor home, residential, investment property (for Landlords), car, health, travel and credit card insurance.2

Points are awarded when customers pay their premium on eligible insurances with their ANZGold card, in the name of the cardholder or additional cardholders. Points are an alternativeto and can not be earned in conjunction with any special offers or discounts available.

AUD1 = 2 Sphere pointsAveda infuses your skin with themost nurturing and energisingaromas of pure plant and floweressences. Discover customisedskincare that makes your skin glow.

AUD1 = 2 Sphere pointsWith stores throughout Australia, GazMan is a leading lifestylecompany for men. GazMan has a reputation for quality, classicfashion and excellent customer service.

AUD1 = 2 Sphere pointsThe leading retail travel agency in the Southern hemisphere, providinga full spectrum of travel products and services. Harvey World Travel isrenowned for providing great value for money and personal service,whether travelling domestically or internationally.

PlusBook and pay for a Qantas Holidays package on your ANZ Gold cardbefore 30 June 2003 and you’ll receive additional Sphere Bonus Points:2,000 for a domestic package and 4,000 for an international package.3

AUD1 = 2 Sphere pointsWith over 500 stores Australia wide, Retravision delivers expert advice atthe right price. For everything electrical, the only decision is Retravision. (Does not include stores in NT or SA).

AUD1 = 2 Sphere pointsThousands of Australians have made wishlist.com.au their preferredonline shopping site, where big brands can be purchased in a trustedshopping environment.

AUD1 = 3 Sphere pointsSave time and book your tickets online! Visit www.villagecinemas.com.aufor movie tickets, session times and all the latest movie info. Plus register to receive your session times.1

AUD1 = 3 Sphere pointsLush Flowers offers an amazing variety of flowers, foliages, nuts andberries. You can order online at www.sydneyflowermarket.com.au andhave fresh cut flowers straight from the Sydney Flower Market to your door.

AUD1 = 2 Sphere pointsAs one of Australia's largest car rental companies, Thrifty offersexceptional customer service tailored to the needs of each customerin over 260 locations throughout Australia.

AUD1 = 2 Sphere pointsRoses Only offers a wide range of exquisite bouquets and flowerarrangements, combined with a selection of the finest champagne,wines, chocolates and more. Same day delivery is available Australiawide. Order online at www.rosesonly.com.au or call 1300 767 376.

PlusSpoil your Mum this Mother's Day. Send her a dozen beautiful, fresh tulips elegantly presented in the famous Roses Only box anddelivered with a bottle of fine Tempus Two Botrytis Semillon dessertwine (250ml), delicious Lindt chocolates (60g), rose oil and pot pourri. Sphere members who place their order before 2 May 2003 will receive 3 points per dollar.

For only $99 Normally $108.50 Save $9.50

NB: Offer only available within the specified Roses Only delivery network. Somedelivery conditions may apply. Available only for delivery on Friday 9 May 2003 or Saturday 10 May 2003.

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Earn Bonus Points with ANZ Personal Loans

3,500 Bonus PointsGot the plans but not the finance? ANZ offers competitive ratesfor personal loans from $5,000 upwards. Take out a new ANZPersonal Loan and receive 3,500 Bonus Points.

Sphere points will not be earned where an existing ANZ loan is re-financed. Pointswill be divided equally between joint borrowers who are both Sphere members.

Photo provided by Starlight Foundation.

AUD1 = 2 Sphere pointsSynonymous with exceptionalluxury, elegant interiors and

with the highest standards ofservice worldwide.

AUD1 = 2 Sphere pointsWith over 25 hotels and resorts

across Australia and NewZealand, discerning travellers

will find a Novotel in primebusiness locations.

AUD1 = 2 Sphere pointsWhether travelling for businessor leisure, Mercure has a hotel

to suit every need.

AUD1 = 2 Sphere pointsFor business or leisure All

Seasons provides excellentvariety and choice.

Million Paws WalkSphere is joining forces with the RSPCA Million Paws Walk, held throughoutAustralia on Sunday, 18 May 2003. Sphere members will receive 2 Bonus Points per Australian dollar when they make a donation to the RSPCA during May 2003.

You can also use your Sphere points to help others. By redeeming 3,850 points, you can make a $25 donationto one of our charity partners. It’s a great way to help somevery worthwhile causes.

Giving is its own reward

Terms and ConditionsIf you wish to claim a tax deduction for your donation, we recommend you seekindependent tax advice. Your personal details will be forwarded on to your chosencharity for acknowledgement purposes only. If you do not wish your details to beforwarded to the charity, please advise the ANZ Sphere redemption consultant, whenyou make your donation.

Sphere fee and terms and conditions apply and appear in the Welcome Packdistributed to all members on enrolment. For more information call 13 22 73.

Australia and New Zealand Banking Group Limited ABN 11 005 357 522

Photo provided by Starlight Foundation.

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