The Warehouse Financial Services Limited currrent credit card lending criteria and Conditions of Use apply to all applications and transfers. The interest rate on cash advances is 21.99% p.a . The interest rate on purchases and on balance transfers after the first six months is 12.90% p.a on The Warehouse Low Interest MasterCard and 19.80% p.a on The Warehouse Rewards MasterCard. Interest rates are current as at 15 February 2010 and are subject to change without notice. The 5.99% balance transfer offer ends 11 October 2010. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

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