1. 1 Press Ctrl-A ©G Dear 2011 – Not to be sold/Free to use Credit Card Costs & Charges Stage 6 - Year 12 Applied Mathematic

2. 2 Amplify Rewards or Amplify Qantas. 0.99% p.a. for up to 6 months on balance transfers. Annual fee, currently $79. Amplify Visa Credit Card Vertigo MasterCard 13.24% p.a. – on purchases 21.49% p.a. on cash advances. 2.99% p.a. for up to 6 months on balance transfers. Low annual fee, currently $55 18.74% p.a. on purchases. 20.74% p.a. on cash advances. End of Slide

3. 3 A low annual fee, currently $0. No Annual Fee Card Platinum Visa Card 15.99% p.a. – on purchases 21.49% p.a. on cash advances. 3.99% p.a. for up to 6 months on balance transfers. Annual fee, currently $89 20.49% p.a. on purchases. 20.49% p.a. on cash advances. No 55 day interest free period when card paid in full. End of Slide

4. 4 A low annual fee, currently $79. Gold Low Rate Card 15.99% p.a. on purchases. 20.44% p.a. on cash advances. As a Rule. Always go for a low interest card. If you pay it off you pay no interest. If you don’t pay it off you pay less interest. End of Slide