‡Overdue Payment - Win 1 of 3 $200 Cashback Prizes promotion - Terms and Conditions

• Promoter: IPF Digital Australia Pty Ltd ABN 59 130 894 405, 388 George Street, Sydney NSW 2000, Australia. Ph: 1300 293 000
• IPF Digital Australia reserves the right, at their discretion, to change these terms and conditions at any time subject to state regulations
• Promotional Period: Start date: 09/11/2026 at 12:01am AEDT. End date: 30/11/2026 at 11:59pm AEDT
• Eligible entrants: This promotion is by invitation only and is available to active Credit24 customers who have between one (1) and three (3) overdue invoices on their account at the commencement of the Promotional Period
• Does not include: Customers classified as long-term hardship, customers in a Part IX debt agreement or personal insolvency agreement, and customers with accounts flagged for fraud. Customers must continue to meet eligibility requirements throughout the Promotional Period
• To be eligible: To enter the draw to win 1 of 3 $200 cashback prizes, an eligible customer must fully clear all outstanding arrears on their Credit24 account by 11:59pm AEDT on 30 November 2026
• Automatic entry: Eligible customers who satisfy the repayment requirement during the Promotional Period will automatically receive one entry into the prize draw. No separate competition entry is required
• Entries permitted: A maximum of one entry per eligible customer is permitted, regardless of the number of repayments made or eligible contracts held
• Total prize pool: AUD $600
• Prize description: There are three (3) cashback prizes of AUD $200 each to be won
• Prize delivery: Cashback prizes will be paid electronically to the winners' nominated bank accounts, subject to successful verification of account details. Prizes are not transferable or exchangeable for another form of reward
• Draw method: Computerised random selection from all valid entries
• Draw date: 07/12/2026 at 12:00 pm AEDT at IPF Digital Australia Pty Ltd, 388 George Street, Sydney NSW 2000, Australia
• Winner notification: The winner will be contacted by using the contact details on file with the Promoter within one (1) day of the draw. The winner will be published at www.credit24.com.au/promotion/credit24-competition-winners/ by 31/12/2026
• Unclaimed prizes: Prizes must be claimed by 04/12/2026 at 12:00 pm AEDT. Subject to applicable law, any unclaimed prizes will be redrawn on 05/01/2027 at 12:00pm AEDT at the Promoter's address. Redraw winners will be notified within one (1) business day and published by 12/01/2027
• Verification: The Promoter reserves the right to verify customer eligibility, outstanding arrears, repayment transactions and account status before awarding prizes. Entries that do not satisfy these Terms and Conditions will be deemed invalid
• Repayment obligation: Participation in this promotion does not alter any customer's existing loan terms, repayment obligations, interest rates or applicable fees. Customers are not required to make repayments beyond the amount necessary to clear their outstanding arrears to qualify
• Financial hardship: Customers experiencing financial difficulty are encouraged to contact the Promoter to discuss available assistance. Participation is voluntary and customers should not make repayments they cannot afford solely to enter the promotion
• Privacy: Personal information will be handled in accordance with the Promoter's Privacy Policy and applicable Australian privacy laws. Information may be used to administer the promotion, verify eligibility, contact winners and deliver cashback prizes
• General conditions: The Promoter may disqualify entries involving fraud, misuse or non-compliance with these Terms and Conditions. Any cancellation, modification or suspension of the promotion will be subject to applicable laws and regulatory requirements.