Queensland, we’re behind you all the way. We understand that it takes a lot more than money to recover from a tragedy like the Queensland floods. And while there are some things a can’t provide, there are others certainly can. During this incredibly challenging time, we want to assure our personal and business customers in Queensland that you have our full support. Here is our plan for recovery.

Help for customers. Help for businesses. Help for local communities. • Westpac Home and Contents Insurance cover. • Fast access to funds. • People power for rebuilding Queensland. If you have Westpac Home and Contents Managing cash flow may be difficult during this Westpac employees in Queensland have already Insurance, we’d like to assure you that our time. Talk to your Business Manager to find out put in countless hours cleaning and rebuilding policy does cover all floods, across all how they can help you keep operating while your local communities. We will continue to support levels of cover. Our insurance team will government relief payment is processed – with this work, providing the time and resources use a practical, common sense approach temporary overdrafts, discounted interest rates, needed to do it. in assessing and finalising your claims. We and deferral of your loan repayments for up • Fundraising and donations. know it’s really difficult to provide evidence to 3 months. They can also provide credit The Westpac Group, our employees and our of your losses, so we’ll work with you to fully quickly where needed. Just call 132 772 to customers have so far donated over $5 million itemise your possessions, and where possible, ask for details. to flood relief. Westpac will continue to conduct we’ll take your word for it. You may also be • Getting you back in business sooner. fundraising programs with our employees and eligible for emergency cash and temporary We’ll reimburse up to $100 of the cost of an customers to support flood affected local accommodation. To make a claim, just call electrical safety verification certificate on your communities. 1300 369 989 anytime 24/7. flood affected business property if you’re a • Specific funding for local work. • Getting you back home sooner. Westpac business customer trying to return Funding has been made available for local We’ll reimburse up to $100 of the cost of an to your premises. Ask your Business Manager community groups to use in the rebuild of electrical safety verification certificate on your for details. local infrastructure and resources. flood affected property if you’re a Westpac • Keeping you in touch with your customers. customer trying to return to your home. Ask your If your website is down, or you just need to tell local Bank Manager for details. If you’re covered your customers what’s happening with your by Westpac Home and Contents Insurance and business, we have arranged for a leading Australian are making a claim, you’ll have full electrical company, Melbourne IT, to create and host a one safety verification costs met by your policy. page website for you, free of charge until 30 April To make a claim, just call 1300 369 989 2011. Visit westpac.com.au/pageoffer for details. anytime 24/7. • Free financial recovery seminars. • Giving you financial breathing space. We’ll be offering free seminars for Westpac As a flood affected customer, you can apply to: business customers, to help you get your - Suspend payments on your mortgage and finances back in order, manage cash flow credit cards for up to 3 months. and be aware of the assistance available to you. - Withdraw any funds from your term deposits Ask your local Business Manager for details. without interest penalties. • Personalised support for your business. - Receive an emergency credit limit increase If you need any kind of assistance getting your on your . business back on track, we’ll provide you with - Request a personal loan at a discounted access to an experienced Business Manager interest rate and with no establishment fee, offering personalised support for as long as to purchase replacement goods. it takes. • Free financial recovery seminars. We’ll be offering free seminars for Westpac customers, to help you get your personal finances back in order, and be aware of the If you have questions or need assistance available to you. Ask your local Bank Manager for details. any assistance, please call the Westpac Flood Relief Helpline • Personalised support. on 132 032 (personal) or 132 772 If you need any kind of assistance getting back on your feet after the floods, we’ll give you (business). Further information on access to personalised support from your local our recovery plan is also available Westpac Bank Manager and their team. at westpac.com.au/floods

Things you should know: This information does not take your circumstances into account. Read any Product Disclosure Statement or other terms and conditions before making a decision about a product. Lending criteria may apply. Electrical safety verification certificate reimbursement: Certificate must be obtained between 25 December 2010 and 30 June 2011 on a flood affected property for customers who hold at least one Westpac branded account. Limit of one payment per flood affected property. Westpac Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). Before making a decision about this insurance, you should consider the Product Disclosure Statement and policy wording (PDS) and whether it is appropriate for you. The PDS can be obtained by calling 1300 650 255 or by visiting westpac.com.au/homeandcontents. This policy is subject to conditions, limits and exclusions on cover, which are explained in the PDS. This policy is not an investment in or deposit with the Bank. The Bank does not guarantee payments under the policy. In some states, the Domestic Workers Compensation cover is issued and guaranteed by Allianz Insurance Limited ABN 15 000 122 850. Policies issued from 13 – 24 January 2011 inclusive will not provide cover for flood for a period of 28 days from the date the policy commences. Policies issued from 25 January 2011 will be subject to a 5 day flood cover exclusion period. Current as at 20 January 2011. Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714. WP0243_BCM_2