$1,500 Virtual Visa Gift Card Home Loans Offer – Terms and Conditions

1. These terms and conditions (“Offer Terms and Conditions”) apply to the NRMA Home Loans ‘$1,500 Virtual Visa Gift Card Offer’ (“Offer”). By submitting an application for an NRMA Home Loan during the Offer Period and expressing your interest in participating in this offer you:

a) represent to NRMA Insurance that you are an Eligible Recipient (see paragraph 7); and

b) agree to be bound by these Terms and Conditions.

2. This Offer is made by Insurance Australia Limited ABN 11 000 016 722, trading as NRMA Insurance and NRMA Home Loans (Tower Two, Darling Park, 201 Sussex Street, Sydney NSW 2000) (“NRMA Insurance”).

3. Under this Offer, Eligible Recipients who settle an Eligible NRMA Home Loan will receive a AU$1,500 Virtual Visa Gift Card (“Gift Card”).

4. NRMA Insurance has directly or indirectly engaged the entities tabled below to undertake some of the activities required for fulfilment of the Gift Card. Except where an entity collects personal information on behalf of NRMA Insurance (in which case the NRMA Insurance Privacy Policy applies), each of these entities handles personal information in accordance with its own privacy policy, as listed below.

5. Bendigo and Adelaide Bank Limited (ABN 11 068 049 178, AFSL and Australian Credit Licence 237879) is the credit provider for NRMA Home Loans. Credit services are provided by Tiimely Pty Ltd (ABN 41 605 696 544 and Australian Credit Licence 496431). Insurance Australia Limited (ABN 11 000 016 722), trading as NRMA Insurance, does not hold an Australian Credit Licence.

6. The National Roads and Motorists’ Association (ABN 77 000 010 506) is a separate and independent entity to Insurance Australia Limited.

7. The Offer is open to Eligible Recipients only. To be an Eligible Recipient, you must:

a) be an Australian resident aged 18 years or over who, at the time of submitting your NRMA Home Loan application and at the time of settlement, is a member of the National Roads and Motorists' Association or holds an insurance policy with NRMA Insurance;

b) apply for and be approved for an Eligible NRMA Home Loan (see paragraph 8);

c) settle the NRMA Home Loan within 180 days of approval;

d) retain your settled NRMA Home Loan for a minimum of 4 weeks;

e) be the primary holder of the settled NRMA Home Loan; and

f) otherwise comply with these Offer Terms and Conditions.

(an “Eligible Recipient”).

8. This Offer only applies to Eligible NRMA Home Loans. An Eligible NRMA Home Loan is a new home loan obtained through NRMA Home Loans. This Offer does not apply to existing NRMA Home Loans (including any amendments to or refinancing of existing loans).

9. If your Eligible NRMA Home Loan is discharged, refinanced or switched to another lender within 4 weeks of settlement, you will not be entitled to the Gift Card and, to the extent permitted by law, NRMA Insurance may cancel any claim code or unredeemed Gift Card issued to you.

10. If you cannot provide proof of eligibility within 14 days of a reasonable request by NRMA Insurance, or NRMA Insurance, acting reasonably, is unable to verify that you are an Eligible Recipient, you will forfeit the Offer in whole, and no substitute will be offered. NRMA Insurance may disqualify any person who NRMA Insurance reasonably believes has engaged in fraudulent, dishonest or manipulative conduct, or has otherwise sought to gain an unfair advantage, in connection with this Offer.

11. This offer commences at 12am AEDT on 3 November 2026 and continues until it is withdrawn by NRMA Insurance in accordance with paragraphs 12 to 16 (“Offer Period”).

12. Subject to paragraph 15, NRMA Insurance may withdraw, suspend or vary all or part of this Offer (including by substituting the Gift Card with another offer of equal or greater value) at any time by publishing a notice in accordance with paragraph 14.

13. NRMA Insurance (subject to State and Territory legislation) also reserves the right to amend, cancel or suspend this Offer in circumstances where an event beyond the reasonable control of NRMA Insurance corrupts or affects the administration, security, fairness, integrity or proper conduct of this Offer.

14. Any withdrawal, suspension or variation will take effect from the date and time specified in a notice published at www.nrma.com.au/home-loans (or such other NRMA Insurance website as NRMA Insurance nominates), which will be no earlier than the time the notice is published.

15. Any person who submits an application for an NRMA Home Loan before that effective date of the withdrawal will remain entitled to participate in the Offer on the Offer Terms and Conditions in effect at the time of their application, provided they otherwise meet all eligibility requirements.

16. Eligible Recipients who have taken up the Offer but not redeemed or obtained a Gift Card will not be entitled to additional compensation, in the event that the Gift Card has been substituted for another offer at equal or greater value.

17. Within 4 weeks after the end of the retention period referred to in paragraph 7(d), NRMA Insurance, via the Fulfilment Agent, will send an email to the email address provided for the primary applicant in the NRMA Home Loan application to confirm that the Eligible Recipient has qualified for the Offer. The email will contain a unique claim code, and instructions on how to redeem the Gift Card. The Eligible Recipient must follow the instructions to redeem the Gift Card within 90 days of receiving the email from the Fulfilment Agent.

18. Once the Gift Card claim code email has been sent, NRMA Insurance and the Fulfilment Agent will not be responsible for any delay or failure to deliver the Gift Card, except to the extent caused by the negligence or breach of these Offer Terms and Conditions by NRMA Insurance or the Fulfilment Agent.

19. NRMA Insurance is not responsible for:

a) undelivered emails due to spam filters or email settings;

b) undelivered emails due to you providing an incorrect email address; or

c) misuse or redemption of the Gift Card by another person who accesses your email without authorisation.

20. Only one Gift Card will be provided per settled Eligible NRMA Home Loan, regardless of the number of borrowers. Where an Eligible NRMA Home Loan is held jointly, the borrower nominated as the primary applicant in the loan application (who must be an Eligible Recipient) will be the sole recipient of the Gift Card.

21. Each Eligible Recipient acknowledges that the Gift Card can only be used where Prepaid Visa gift cards are accepted and processed electronically. Each Eligible Recipient acknowledges that they must comply with the relevant Gift Card vendor’s terms and conditions, available at https://activgiftcard.com.au/terms/ (“Gift Card Terms of Use”). The Gift Card Terms of Use include the following key provisions:

a) Gift Cards cannot be used for certain transactions, including at financial institutions or ATMs;

b) the preloaded credit on the Gift Card will expire in accordance with the expiry date in the Gift Card Terms of Use;

c) the Gift Card cannot be redeemed for cash, reloaded, or be replaced after expiry and is not legal tender, an account card, a credit or security;

d) any dispute about goods or services purchased with the Gift Card should be resolved in accordance with the Gift Card Terms of Use and/or with the relevant retailer and not NRMA Insurance.

22. Subject to the Gift Card Terms of Use, the Gift Card is not transferable or exchangeable. NRMA Insurance and/or the Fulfilment Agent may subject Gift Cards to verification and security checks in its absolute discretion.

23. Neither NRMA Insurance nor the Fulfilment Agent is able to reverse any approved transactions on the Gift Card.

24. By submitting an application for an NRMA Home Loan during the Offer Period, you agree:

a) to receive emails (to the email address provided for the primary holder of the loan in the application) about redemption of the Gift Card (whether from NRMA Insurance, the Fulfilment Agent, or their agents); and

b) that such emails will contain factual information about your eligibility for, and redemption of, the Gift Card, and will not contain an unsubscribe link.

25. NRMA Insurance may collect (either directly or through an agent), personal information necessary to verify an Eligible Recipient’s eligibility for the Offer. This may include proof of identity, residency, and eligibility, including your NRMA member number, and/or NRMA Insurance policy number.

26. By submitting an application for an NRMA Home Loan during the Offer Period, you acknowledge and agree that:

a) NRMA Insurance may use your personal information to verify your eligibility for the Offer, including by providing your name and NRMA member number to the National Roads and Motorists’ Association;

b) NRMA Insurance may disclose your personal information to the Fulfilment Agent for the purpose of providing and administering the Gift Card; and

c) the Fulfilment Agent will handle your personal information in accordance with its privacy policy (see paragraph 4);

d) NRMA Insurance will handle your personal information in accordance with its privacy policy (www.nrma.com.au/privacy-security-identity-theft-policy), and may use your personal information for other purposes as disclosed in that policy, including for improving its products and services and for conducting analytics related to the effectiveness of its promotional campaigns;

e) some of the entities referred to in paragraph 4, including the Fulfilment Agent, may store or disclose your personal information outside Australia, including in the United States of America.

27. If you do not provide your personal information, you may not be able to participate in this Offer.

28. Each privacy policy also contains information about how individuals may access, update or correct their information, how individuals may complain about the treatment of their personal information, and how each of NRMA Insurance and/or the Fulfilment Agent (as applicable) will deal with such a complaint.

29. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), and subject to paragraphs 30 and 32, the aggregate liability of NRMA Insurance and the Fulfilment Agent in connection with this Offer is limited to AU$1,500.

30. To the extent permitted by law, NRMA Insurance (including its officers, employees and agents) excludes all liability (including negligence), for any indirect or consequential loss or damage.

31. NRMA Insurance is not liable for any tax liability incurred by an Eligible Recipient as a result of their participation in the Offer.

32. Nothing in these Offer Terms and Conditions restricts, excludes, modifies, or purport to restrict, exclude or modify any statutory consumer rights under any applicable law, including the Competition and Consumer Act 2010 (Cth) or the Australian Securities and Investments Commission Act 2001 (Cth).

33. This Offer does not form part of, and will not be taken into account in, any credit assessment of your NRMA Home Loan application. All applications are subject to Bendigo and Adelaide Bank Limited's lending criteria, and you should consider whether an NRMA Home Loan is appropriate for you independently of this Offer.

34. These Offer Terms and Conditions are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that State.