-----Original Message-----
From: Commonwealth Bank [mailto:ProductUpdate@cba.com.au]
Sent: Monday, 2 April 2012 10:37 AM
To: scribepj@bigpond.com
Subject: Start using your new staff Diamond Awards credit card today

Dear Philip 

You should have recently received your new staff Diamond Awards credit card in the mail. 

Your no annual fee upgrade to Diamond Awards is our way of saying thanks for being a Commonwealth Bank customer. 

Diamond Awards is our new top tier Awards card that lets you earn points faster, increases your annual points earn potential and offers new and exclusive member benefits that are only available to Diamond Awards cardholders. Visit the Commonwealth Bank website to find out more about the Diamond Awards experience that awaits you. 

To accept the upgrade, simply activate your new staff Commonwealth Bank Diamond Awards World MasterCard(R) credit card today. 

Activating your card: 

Please read the Important Information contained in the Diamond Awards upgrade letter we recently sent to you enclosing your new card. Then, to take advantage of this upgrade, sign the back of your card, then do one of the following: 

 - Log on to NetBank, click the 'Manage Accounts' tab and follow the links 

  - Call 13 2221, select option 2 and then 2 again. You'll need your credit card number and phone banking password handy. 

 - Visit your local Commonwealth Bank branch 

Please note: 

 - If you have an additional cardholder on your account, it is important that you ensure they have received their replacement card before you activate the card on your account; activating the new card will deactivate the old card instantly. 

 - After activation, your old card should be destroyed immediately. 

  - Don't forget to switch any direct debit details once you've activated the new card. 

  - If your current staff credit card is a Visa(R) card, and you choose to accept the upgrade, your replacement card will be a Diamond Awards World MasterCard credit card at no annual fee. 

Still want to know more? Please refer to the offer letter for more information, including details of the Frequently Asked Questions landing page. 

If you prefer not to accept the upgrade you can simply continue using your existing card and destroy the new card in the pack. Please disregard this message. 

We hope you enjoy all the benefits of your new staff Diamond Awards credit card. 

Yours sincerely,

Commonwealth Bank of Australia

-----Original Message-----
From: Commonwealth Bank [mailto:ProductUpdate@cba.com.au]
Sent: Wednesday, 21 March 2012 10:05 AM
To: scribepj@bigpond.com
Subject: Your Diamond Awards credit card is in the mail

Dear Philip 

We're delighted you're a Commonwealth Bank customer so to say thanks, we're rewarding you with a staff credit card upgrade to Diamond Awards at no annual fee^. 

You should receive your new staff Diamond Awards credit card in the mail in the next two weeks. While accepting your upgrade is as easy as activating your new card once you receive it, we understand that you might have a few questions you'd like answered first. 

So, what do you need to know? 

Account being upgraded:                                Your Gold Awards Awards MasterCard(R) credit card 

Current credit card number:                           *** *** *** 0682 

Fee:    Staff Diamond Awards Annual fee $0 p.a.  Additional cardholder fee (only if applicable): $0 p.a. 

Diamond Awards staff interest rates:       On purchases 10.37% p.a.       On cash advances 10.87% p.a. 

Find out more information about your staff upgrade, including links to FAQ's, by logging onto NetBank and viewing 'My Inbox' on the 'My home' page. 

Diamond Awards offers you new, premium benefits: 

- Annual points earn potential up to 1 million Diamond Awards points per annum**# 

- Earn rate of 1.25 Awards points per $1 spent**# with MasterCard 

- Redeem your Commonwealth Awards points for almost anything you choose# 

- Access to Your Concierge^^ and 12 months Complimentary International Travel Insurance* 

- Exclusive member experiences through the World program 

Look out for the Diamond Awards brochure accompanying your new card for more information about the benefits of upgrading to Diamond Awards. 

Once you receive the Diamond Awards card, if you choose not to accept the upgrade you can simply continue using your existing card and destroy the new card in the pack. 

We hope you enjoy the benefits of your new staff Diamond Awards credit card once you receive it, in the meantime, stay glued to your letterbox. 

 Important Information: 

 MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass is a trademark of MasterCard International Incorporated. This credit card program is issued and administered by Commonwealth Bank of Australia. 

 ^Upon termination of employment from the Bank or its subsidiary companies, the Bank reserves the right to notify product areas of the Bank and/ or the Bank's subsidiary companies, of the cessation of employment, in order to remove concessional benefits or apply appropriate fees / interest rates to the account or product. Should the concessional staff benefits associated with your credit card be removed, you will revert to the standard, non-staff, pricing for that account. 

**If you have opted in to Qantas Frequent Flyer Direct, 2 Commonwealth Awards points = 1 Qantas Frequent Flyer point (subject to change), your Diamond Awards earn potential will increase to 500,000 Qantas Frequent Flyer points per annum. 

#Commonwealth Awards points or Qantas Frequent Flyer points are earned on eligible transactions (most purchases, but not cash advances or balance transfers) and are subject to points capping. See Commonwealth Awards Program Terms and Conditions available online at the Commonwealth Bank website under 'Important Information' for further details. Any points earned this year will apply towards the Diamond Awards 1,000,000 points cap or 500,000 Qantas Frequent Flyer points cap. To opt in to Qantas Frequent Flyer Direct call 13 1661. You must be a member of Qantas Frequent Flyer program and Awards points will automatically be redeemed for Qantas Frequent Flyer points monthly; a $10 annual opt in fee applies. For more information about the Qantas Frequent Flyer program visit the Qantas website and refer to the Frequent Flyer information. 

^^For full terms and conditions refer to Your Concierge service Terms and Conditions available online on the Commonwealth Bank website under 'Important Information'. Requests for services outside the scope of Your Concierge service may not be processed and limits may be imposed on excessive requests for service. 

*For full terms and conditions of insurance cover refer to the Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure available online on the Commonwealth Bank website.

Yours sincerely,

Scott Henricks
General Manager
Retail Customer Service