A guide for GM Holden Cardholders

Effective 4 March 2013

REBATEPROGRAMRULES

THE GM HOLDEN CARD

YOUR GUIDETO THE GM HOLDEN CARDTHIS GUIDE OUTLINES ALL OF THE RULES WHICH APPLY TO THE

GM HOLDEN CARD REBATE PROGRAM, INCLUDING HOW TO CLAIM

YOUR GM HOLDEN CARD REBATE.

THIS GUIDE IS EFFECTIVE FROM 4 March 2013.

TO ENSURE THAT YOU MAKE THE MOST OF BEING A GM HOLDEN

CARDHOLDER, IT IS STRONGLY RECOMMENDED THAT YOU READ

THESE RULES BEFORE USING YOUR GM HOLDEN CARD.

IF YOU ARE UNCERTAIN ABOUT ANY ASPECT OF THE GM HOLDEN

CARD REBATE PROGRAM, SIMPLY CALL THE GM HOLDEN CARD

CUSTOMER SERVICE CALL CENTRE ON 131 200.

THE GM HOLDEN CARD

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REBATE PROGRAM RULESImportant rules governing The GM Holden Card Rebate Program are detailed in this document. After you have read these rules, please save this guide and any supplements for future reference.

Terms and Conditions for the use of your GM Holden Card credit facility (known as the Consumer Credit Cards Conditions of Use) are separate and will be provided when your GM Holden Card is issued. As a GM Holden Cardholder, you and any Additional Cardholder are automatically enrolled in The GM Holden Card Rebate Program (“Program”) at no additional charge.

Participation in this Program entitles you to enjoy all the benefits of The GM Holden Card, including The GM Holden Card Rebate which (subject to the rules that follow) may be applied towards the purchase or lease of an eligible new vehicle.

The GM Holden Card Rebate Program was closed on 8 October 2010. From 9 October 2010, any new spend on a GM Holden Card will no longer earn a GM Holden Card Rebate.

1. PARTICIPATIONProgram participation and its benefits are offered at the sole discretion of GM Holden Ltd ABN 84 006 893 232 (“GM Holden”).

To participate you must:

■■ Be a GM Holden Cardholder in Good Standing (refer Rule 8) with the issuing bank, Westpac Banking Corporation (Westpac).

■■ Be an individual – corporations, partnerships and other entities may not participate.

■■ Reside within Australia.

The GM Holden Card is predominantly for personal expenditure but can also be used for reasonable expenditure of a personal business nature, whether or not that expenditure is reimbursed by your employer. GM Holden reserves the right to disallow from any eligible purchases any expenditure which, in GM Holden’s sole judgement, is not personal or reasonable personal business expenditure. For example, expenditure on The GM Holden Card for travel, for which you could claim reimbursement as a business expense, would be eligible.

Payment on your GM Holden Card of all travel expenses of your business, or of a number of employees of that business, for the purpose of maximising your Rebate would be disallowed.

Enrolment in the Program for the Cardholder and any Additional Cardholders occurs automatically when the GM Holden Card is issued. GM Holden reserves the right to

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disqualify any Cardholder from participation in the Program if, in GM Holden’s sole judgement, that Cardholder or an Additional Cardholder has breached any of these Rules.

Disqualification may result in termination of a Cardholder’s participation, termination of an Additional Cardholder’s participation and cancellation of any accumulated GM Holden Card Rebate.

2. EARNING GM HOLDEN CARD REBATE

GM Holden Card Rebate is earned in two ways, based on eligible purchases with The GM Holden Card. First, GM Holden Card Core Rebate is earned as a percentage of all eligible purchases, up to a maximum of $30,000 in eligible purchases per eligible vehicle purchased with Rebate, starting from the date your GM Holden Card account is initially opened (“Core Rebate”). Currently the Core Rebate carries a 10% earning rate.

Second, GM Holden Card Bonus Rebate may be earned as a percentage of eligible purchases at Program Partners identified by GM Holden without regard to the $30,000 limitation in the Core Rebate (“Partner Program”). As each Program Partner is announced, details of eligible GM Holden Card Bonus Rebate earning purchases will be available from holden.com.au/mastercard. From time to time GM Holden may offer special promotions to provide additional opportunities to earn GM Holden Card Bonus Rebate. Credit purchases at participating Dealers will earn a Bonus Rebate of 2%, other than purchases of new or used vehicles at which are not eligible for the 2% Bonus Rebate.

3. ELIGIBLE PURCHASESSubject to Rule 1, only purchases of goods and services which are not returned or otherwise the subject of credit which are charged by you or any Additional Cardholder to the GM Holden Card account are eligible for The GM Holden Card Rebate. Cash advances (as defined in the Consumer Credit Cards Conditions of Use), Automatic Teller Machine (ATM) withdrawals and certain other non-product/service transactions are excluded.

While transfers of other credit card account balances into The GM Holden Card account are treated as cash advances under The Consumer Credit Cards Conditions of Use, in that interest will accrue from the date of transfer, they will be eligible for a GM Holden Card Rebate provided a special transfer form is used and that the balance transferred equals or exceeds $200. Once a balance transfer has been accepted from a particular credit card account, no further balance transfers from that account will be eligible for a GM Holden Card Rebate. Eligible purchases may be made anywhere in the world, however

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GM Holden Card Rebate may be applied only towards the purchase or lease of eligible new vehicles within Australia.

4. STATEMENTSInformation about the Program and GM Holden Card Rebate accumulated on your account is included in your monthly GM Holden Card statement. The total GM Holden Card Rebate you earn for purchases of goods and services charged to your GM Holden Card account will be determined at the time the transaction is posted to your GM Holden Card account in accordance with these Rules.

Some GM Holden Cardholders will not receive a monthly GM Holden Card statement because there is a zero balance and no activity on their GM Holden Card account.

GM Holden Cardholders who do not receive a monthly statement may not be sent information concerning their GM Holden Card Rebate. If you do not receive a monthly statement, you have questions about your GM Holden Card Rebate, or you want to obtain current Program Information, call 131 200 or write to The GM Holden Card Customer Service Call Centre, GPO Box 18, Sydney, NSW 2001.

Subject to any consents and authorisations given by the Cardholder and any Additional Cardholder, information about GM Holden Card Rebate earned on a Cardholder’s account will only be provided to the Cardholder or Additional Cardholder.

All Rebate discrepancies must be brought to The GM Holden Card Customer Service Call Centre’s attention within three months from the date of the transaction for which adjustment is sought or they will be disregarded.

5. LIFE OF YOUR GM HOLDEN CARD REBATE

Your GM Holden Card Rebate may be accumulated for a maximum of five years from the date it is earned.

In the sixth year, GM Holden Card Rebate earned from the first year will be progressively retired, and GM Holden Card Rebate earned in the sixth year will be added in its place and so on. Retirements and additions after five years will occur month by month so that five full years of GM Holden Card Rebate are maintained. In the event your GM Holden Card account is not in Good Standing, your GM Holden Card Rebate may not be redeemed or may be cancelled in accordance with Rule 8. Should you close your GM Holden Card account, you or any Additional Cardholder may continue to redeem any accumulated GM Holden Card Rebate in accordance with these Rules. From the closure of your account, you will cease to receive statements and notices from us. You should ensure

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you keep up to date on subsequent changes to these rules by checking www.westpac.com.au.

6. REDEEMING YOUR GM HOLDEN CARD REBATE

Your GM Holden Card Rebate may be redeemed by you or by any Additional Cardholder with your consent.

Wherever appearing in this Rule, “Cardholder”, “GM Holden Cardholder” and “you” refer to the holder of the GM Holden Card account and any Additional Cardholder.

When purchasing or leasing your new vehicle, advise your Sales Consultant of your eligibility for a GM Holden Card Rebate after you have negotiated your best deal. This will further reduce your purchase or lease cost.

Upon completion of the purchase or lease agreement when you are taking delivery of your vehicle, and while you are still at the Dealer, your Sales Consultant will call The GM Holden Card Customer Service Call Centre on 131 200 to obtain an authorisation number. A GM Holden Card Customer Service Call Centre Representative will confirm The GM Holden Card Rebate available to you as at your latest GM Holden Card statement. You must then be able to verify specific information required by The GM Holden Card Customer Service Call Centre for the purpose of establishing your identity. You can then elect to either have your Rebate deducted from your available GM Holden Card Rebate and applied against the purchase or lease cost of your new GM Holden vehicle as a reduction in the invoiced amount or, alternatively, you may elect to receive your Rebate in the form of a cheque from GM Holden.

Confirmation of the GM Holden Card Rebate redeemed will appear on a future GM Holden Card statement or in a separate communication. The maximum GM Holden Card Rebate you may redeem is that amount posted on your latest GM Holden Card statement. The minimum amount of Rebate you may redeem is $50. Your GM Holden Card Rebate is non-negotiable and cannot be redeemed in whole or in part for cash other than by the Rebate cheque from GM Holden described above.

You may not redeem any Rebate earned on any part of the purchase price of an eligible new vehicle which you pay for on your GM Holden Card at the time of that purchase (although such Rebate may be accumulated and redeemed on subsequent eligible vehicle purchases). If as a result of subsequent returns or for other reasons you redeem a GM Holden Card Rebate larger than you are entitled to under the Program, the value of such excess credit towards the purchase or lease of a new GM Holden vehicle will be due to GM Holden.

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If a vehicle purchase or lease is not completed for any reason after the issue of a Rebate authorisation number by The GM Holden Card Customer Service Call Centre, it is the responsibility of the GM Holden Cardholder to notify The GM Holden Card Customer Service Call Centre that the GM Holden Card Rebate is not to be redeemed.

Special conditions may apply to GM Holden employees and their families on redemption of their GM Holden Card Rebate.

These will be communicated to employees from time to time.

7. MAXIMUM REBATE AMOUNTSDepending on the model, you can redeem up to $3,000 in Core Rebate towards the purchase or lease of any new GM Holden vehicle.

The table below outlines the maximum rebate levels on the GM Holden vehicle range per eligible purchase.

Vehicles available Maximum Redemption Amount*

CommodoreUte SportwagonCapriceHSV

$3,000

Captiva 5 & 7TraxCruze Sportwagon

$1,000

Cruze Sedan Cruze HatchColoradoColorado 7 VoltMalibu

$750

BarinaBarina Spark

$500

* These amounts include GST. See Rule 12 for further detail.

The vehicles listed in the table may change, vary and/or new models may be introduced in the future. Visit www.westpac.com.au for the most up-to-date listing of vehicles and their corresponding rebates.

8. GOOD STANDINGFor the purposes of these Rules, a GM Holden Card account not in Good Standing means an account on which the minimum payment due remains unpaid after one or more consecutive due dates. The minimum payment due and the

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due date are shown on GM Holden Card account statements. If the minimum payments due on your GM Holden Card remain unpaid after two or more consecutive due dates, your GM Holden Card Rebate may not be redeemed until the minimum payment due on your latest GM Holden Card statement had been paid in full. If the minimum payments due on your GM Holden Card account remain unpaid after four or more consecutive due dates, your GM Holden Card Rebate will be cancelled.

9. ELIGIBLE VEHICLESGM Holden Card Rebate may be applied towards the purchase or lease of any new Holden, HSV vehicle or any other vehicle designated by GM Holden as eligible, which is sold at retail and delivered and registered within Australia.

Members of Federations, Associations, Unions and affiliated bodies or company employees who are eligible for a fleet allowance have the choice of using only the fleet allowance or only the GM Holden Card Rebate, whichever is of greater value.

The Farmer’s Federation or Primary Producers discount which Primary Producers may receive is a fleet allowance.

A Primary Producer may therefore use either these discounts (if eligible) OR the GM Holden Card Rebate, but not both, towards the purchase or lease of an eligible GM Holden vehicle.

10. POOLING OF GM HOLDEN CARD REBATE

GM Holden Card Rebate may not be transferred from one GM Holden Card account to another existing account or to a new GM Holden Card account where the purpose is to pool the Rebate. When you or an Additional Cardholder use your available GM Holden Card Rebate towards the purchase or lease of an eligible new GM Holden vehicle, only the GM Holden Card Rebate from one GM Holden Card account may be used per vehicle purchase. No pooling is allowed. GM Holden is not responsible, and bears no liability, for disagreements between GM Holden Cardholders concerning the use of GM Holden Card Rebate.

11. TRANSFER OF YOUR GM HOLDEN CARD REBATE

GM Holden Card Rebate does not constitute property of GM Holden Cardholders. Your GM Holden Card Rebate may not be brokered, bartered or sold and may not be transferred upon death or as part of a domestic relations matter. In the event of your death, your GM Holden Card Rebate will remain available for use by your Additional Cardholder for 12 months

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after your death, or if the Additional Cardholder successfully applied for a GM Holden Card within that 12 month period, your GM Holden Card Rebate may be transferred to that new account.

Subject to Rule 10, your GM Holden Card Rebate may be transferred by the GM Holden Cardholder to the following family members of either the GM Holden Cardholder or the Additional Cardholder: parents, grandparents, spouse or de facto spouse (including a spouse or de facto spouse of the same gender), siblings, children, grandchildren, aunts, uncles, nieces and nephews. Proof of relationship must be provided upon request.

In order to transfer your GM Holden Card Rebate, please contact The GM Holden Card Customer Service Call Centre on 131 200 prior to the vehicle purchase. The GM Holden Card Customer Service Call Centre will then explain the transfer procedure.

12. INTERNATIONAL TRANSFER OF GM HOLDEN CARD REBATE

Where a GM Holden Cardholder makes a direct request to GM Holden or Vauxhall (or Household Finance Corporation), GM Card Rebate may be transferred from the GM Holden Cardholder’s GM Card account in the UK to their GM Holden Card account in Australia, and vice versa. The amount transferred may be no more than the redemption limit in place in the country to which The GM Card or GM Holden Card Rebate is transferred. Unless otherwise agreed by GM Holden, international transfers may only take place between the UK and Australia.

13. TAXESDetermination of income or other tax liability related to participation in this Program is the responsibility of the GM Holden Cardholder. Neither GM Holden nor Westpac makes any representations as to the current or future tax consequences to the GM Holden Cardholder or any Additional Cardholder of the crediting, transfer, use, redemption, termination, disposition or other related issue of the GM Holden Card Rebate.

New GST law effective 1 July 2010 requires manufacturers and distributors to treat a range of rebates and allowances paid to third parties as adjustment events for GST purposes. This means the rebate or allowance paid must include GST. Accordingly, from 1 July 2010 your GM Holden Card Rebate will include GST and GM Holden will issue a third party adjustment note in respect of your GM Holden Card Rebate.

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If you are registered or required to be registered for GST and have acquired your vehicle for use in your business, we recommend you seek advice from your accounting adviser to confirm what action may be required in response to the third party adjustment note.

Determination of income or other tax liability related to participation in this Program is the responsibility of the GM Holden Cardholder. Neither GM Holden nor Westpac makes any representations as to the current or future tax consequences to the GM Holden Cardholder or any Additional Cardholder of the crediting, transfer, use, redemption, termination, disposition or other related issue of the GM Holden Card Rebate.

If the Cardholder is required by The New Tax System (Goods and Services Tax) Act 1999 and related legislation (Act) to pay goods and services tax in relation to Rebate paid or deducted pursuant to Rule 6, then the Cardholder must submit to GM Holden a tax invoice (as that term is defined in the Act) for the amount of that goods and services tax within thirty (30) days of redeeming the Rebate. GM Holden will then pay to the Cardholder, by cheque, the amount of goods and services tax set out in the tax invoice. Tax invoices must be submitted to Dealer Liaison Group, GM Holden Ltd, GPO Box 1714, Melbourne, Victoria, 3001.

14. AUDITGM Holden reserves the right to audit the Program for compliance with these Rules. In the event an audit reveals discrepancies, GM Holden may adjust the GM Holden Card Rebate or the processing of a GM Holden Card Rebate may be delayed until they are resolved.

15. CARD ADDRESS/NAME CHANGEIf you wish to make an address or legal name change, call The GM Holden Card Customer Service Call Centre on 131 200.

For a name change, you will also need to supply a copy of supporting legal documentation, such as a marriage certificate, and comply with any laws or regulations or other requirements regarding identification of Cardholders.

16. TERMINATIONThe Program has no predetermined termination date. GM Holden may terminate the Program or portions thereof at any time, with notice to Cardholders.

GM Holden Cardholders will have 90 days from the effective date of Program termination to redeem their accumulated GM Holden Card Rebate.

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17. CHANGESGM Holden may, from time to time, change the Program Rules, restrictions or benefits (including the eligibility of models and the maximum rebate levels applicable to eligible models), in whole or in part, with 30 days written notice to you prior to the changes taking effect. Please note that unless your account has closed these changes will be sent to the last address you have provided to us, therefore you must ensure that you advise us promptly of any changes to your address. If your account has closed, you will not receive any such notices. You may also keep updated with such changes by checking www.westpac.com.au.

18. DEALERS AND PROGRAM PARTNERS

Nothing in these Rules or the Program shall be construed as establishing any agency, partnership or joint venture relationship between GM Holden and the Program Partners in the Program, or between GM Holden and authorised independent Dealers for new vehicles. GM Holden Cardholders are subject to all rules and other conditions of such Dealers and Program Partners.

GM Holden is not responsible and assumes no liability for changes in or discontinuance of Program Partner service which may affect Program benefits, or for any act or failure by Dealers in relation to the purchase or lease of any vehicle to which GM Holden Card Rebate is applied.

GM Holden is responsible for operation and administration of The GM Holden Card Rebate Program. Westpac, the issuing bank, is responsible for operation and administration of GM Holden Cardholder credit matters. A GM Holden Card Customer Service Call Centre operates to answer any GM Holden Card related questions.

THE GM HOLDEN CARD

FOR QUESTIONS REGARDING YOUR

GM HOLDEN CARD, PLEASE PHONE THE

HOLDEN CARD 24-HOUR CUSTOMER

SERVICE CALL CENTRE ON 131 200.

FOR REBATE ENQUIRIES CALL

MONDAY–FRIDAY 8AM–7PM EST.

GM Holden is a registered trademark of GM Holden Limited ABN 84 006 893 232 of 191 Salmon Street Port Melbourne VIC 3207.The GM Holden Card is issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

©2013 Westpac Banking Corporation. GMR001 (06/13) 346920

THE GM HOLDEN CARD