TERMS AND CONDITIONS:

GE 6 Months Interest Free:

*1. Conditions of 6 Months Interest Free: Available to approved existing GO MasterCard customers on purchases over $250, between 1/2/12 and 30/06/12. Offer available on purchases from the Joyce Mayne online store. Minimum monthly repayments must be made during the interest free period, and interest and repayments are payable after the interest free period. Paying only the minimum monthly repayment will not pay out the loan before the end of the interest free period. This notice is given under the GO MasterCard, Conditions of Use which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new applications. Account Service fee of $4.95 per month applies and other fees and charges are payable. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588) trading as GE Money. Australian Credit Licence Number 392145.

500 Days Interest Free

*1. Conditions of No Deposit, No Interest, No Repayments until October 2013: Available to approved customers on single or multiple transactions where the amount financed is $300 or more, on GO MasterCard, GO Business MasterCard, Buyer's Edge, Gem Visa and GE CreditLine between 03/05/12 and 27/05/12. Offer available on purchases from Joyce Mayne franchisees (excludes online purchases). Offer available on advertised or ticketed price. This notice is given under each of the GO MasterCard, GO Business MasterCard, Buyer's Edge, Gem Visa and GE CreditLine Conditions of Use (as applicable), which specify all other conditions for this offer. A $25.00 Establishment Fee for GO MasterCard applies to new applications. The GO Business MasterCard attracts a $40 Annual Fee. Account Service fee of $4.95 per month applies for GO MasterCard, GE CreditLine and Buyer's Edge, and $2.95 per month for GO Business MasterCard and other fees and charges are payable. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence number 392145.