URBAN LIST x ING Vibe On A Dime COMPETITION

TERMS AND CONDITIONS

1. Information on how to enter and the prize form part of these Terms and Conditions. Participation in Urban List x ING Vibe On A Dime Competition promotion (“Promotion”) is deemed acceptance of these Terms and Conditions.

2. The Promotion is conducted by Urban List Pty Ltd ACN 142 505 897 as trustee for The Urban List Trust (ABN 56 349 266 482) (“Promoter”).

Eligibility

3. The Promotion is open to all NSW, VIC, QLD and WA residents aged 18 and over who enter in accordance with these Terms and Conditions.

4. Employees (and their immediate family and/or those living in the same household) of the Promoter, and its related entities, affiliates, subsidiaries, agencies and suppliers associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child, whether natural or by adoption, parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or first cousin.

How to Enter

5. The Promotion period commences at 2:00pm AEST on 10 August 2026 and ends at 11:59pm AEST on 31 October 2026 (“Promotional Period”).

6. To enter, individuals must complete the entry form during the Promotional Period as hosted on the Promoter’s website, www.theurbanlist.com, including submitting their best money-saving hack.

7. There is no cost to enter the Promotion.

8. Limit of 1 entry per person.

9. The Promoter reserves the right to refuse any entries which contravene these Terms and Conditions, including any incomplete or indecipherable entries.

Determining and Notifying the Winner

9. Selection of the winner will take place at the Sydney office of the Promoter, 20-40 Meagher St, Chippendale, NSW, 2008, at 2:00pm AEST on 3 November 2026.

10. This Promotion will run as a game of skill. Chance plays no part in determining the winner. The winner will be selected based on the originality, creativity and relevance of their money-saving hack.

11. The Promoter’s determination of the winner is final and no correspondence will be entered into.

12. The winner will be notified via email from ppriestley@theurbanlist.com. The winner must acknowledge acceptance of and claim their Prize by replying to this email or phone call with details requested. This must be received by the Promoter no later than 10 November 2026.

13. If for any reason the winner does not acknowledge, accept and claim their Prize by 10 November 2026, that Prize will be forfeited, and another winner selected at 2:00pm AEST on 11 November 2026.

14. The Promoter will have no liability for the winner’s failure to receive notices due to the winner’s spam, junk email or other security settings or for the winner’s provision of incorrect or otherwise non-functioning contact information.

The Prize

15. The winner of the Prize will receive 1 (one) x $5,000.00 AUD Visa Gift Card.

Total Prize Value: $5,000.00 AUD.

Prize Terms And Conditions

15. Prize terms and conditions:

a. All Prize redemptions are also subject to any terms and conditions imposed by the supplier.

b. The Prize cannot be exchanged for goods or cash, nor can it be sold or otherwise transferred to any person.

c. The winner is solely responsible for any costs associated with accepting and using the Prize that are not expressly included in the Prize description.

d. The Prize will be awarded as 1 (one) x $5,000.00 AUD Visa Gift Card.

e. The Visa Gift Card is subject to the issuer's terms and conditions, including any activation, expiry, usage or redemption conditions.

f. The Promoter is not responsible for any lost, stolen, damaged or expired Visa Gift Card once the Prize has been awarded to the winner.

General

16. Without limiting the above, the winner agrees that the Promoter may publish their name, state/territory of residence and winning entry for the purpose of announcing the winner and promoting the Promotion. The winner agrees to participate in reasonable promotional activity in connection with the Promotion and/or acceptance of the Prize, as requested by the Promoter free of charge.

17. The Promoter reserves the right, at any time, to verify the validity of entries and entrants, including an entrant’s identity, age and place of residence.

18. The Promoter reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise the fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

19. If the winner of the Prize is under the age of 18 years, the Prize will be forfeited by that entrant, and another winner will be selected.

20. In the event of war, terrorism, pandemic or epidemic, state of emergency, government restrictions or disaster, the Promoter reserves the right to cancel, terminate, modify or suspend the Promotion, or suspend or modify a prize. The Promoter reserves the right to modify, suspend or terminate the Promotion without notice.

21. As a condition of entering the Promotion, each entrant licenses and grants the Promoter, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display their entry for any purpose, including but not limited to future promotional, marketing or publicity purposes, in any media, without compensation, restriction on use, attribution or liability. Entrants agree not to assert any moral rights in relation to such use and warrant that they have the full authority to grant these rights.

22. As a condition of accepting the Prize, the winner may be required to sign any reasonable documentation required by the Promoter and/or prize supplier to confirm eligibility, acceptance of the Prize and compliance with these Terms and Conditions.

23. Entrants who opt in to receive marketing communications from the Promoter agree to have their email address added to the Promoter’s email list.

24. Nothing in these Terms and Conditions limits, excludes or modifies, or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter, including its respective officers, employees and agents, excludes all claims, liability, loss or damage, including loss of opportunity, suffered or incurred by any person, whether direct, indirect, special or consequential, arising in any way out of the Promotion or acceptance of or use of any prize.

25. The Promoter collects personal information in order to conduct the Promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use this information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to opt out, access, update or correct personal information to the Promoter. The Promoter’s Privacy Policy is available at https://www.theurbanlist.com/privacy.

26. All entries become the property of the Promoter.

27. The Promoter accepts no liability for any problems or technical malfunction of computer systems, servers, software, internet service provider or email systems, including failure of any entry to be received on account of technical problems, or the failure of a winner to receive a notification due to such technical problems.

28. This Promotion is void where prohibited or restricted by law.