member matters. Red hot rates on home & car loans. Refinance to BankVic now! See inside for details. What would you do with an extra pay cheque?

Transcription

1 member matters. members matter police, health, emergency & public services Issue 7. Dec 2013 Red hot rates on home & car loans. Refinance to BankVic now! See inside for details. What would you do with an extra pay cheque? for all banking matters bankvic.com.au visit a branch facebook.com/bankvic.au twitter.com/bankvic

2 Message from the Board On behalf of the entire BankVic team, we d like to wish you and your families a Merry Christmas and a prosperous New Year. We d also like to thank all members who attended our Annual General Meeting on 13 November. As you re all equal owners of BankVic it s important you get the opportunity to have a say in how your bank is run. At the AGM, we announced the re-election of John Mugavin, and Steven Coulson joining the Board as a newly elected Director. Following Lionel Allemand s retirement as Chairman, we re pleased to announce the newly elected Chairman is John Mugavin and congratulate him on his appointment. John has been a Director since 1998 and is dedicated to ensuring that we operate in the best interest of our members. insert photo of John M, Steven and Peter at Lionel s fairwell party From left to right: Peter Kemptster (CEO), Steven Coulson (new Director) and John Mugavin (new Chairman). V.me by Visa: a new secure way to shop online While online shopping has many advantages, it can be tiring to re-enter your card details every time you check-out at a different website. Good news is, with V.me by Visa - you no longer have to. V.me by Visa has just been introduced to simplify your online shopping experience. With a V.me by Visa account, you can check-out online quickly and more importantly, securely! All you need to do is sign in with your V.me by Visa address and password when you re ready to check-out with participating retailers. Confirm your payment preferences and you re done! With a V.me by Visa account, you can: > receive or text alerts about V.me by Visa purchase activity on any of your cards > set a preferred card and shipping address > add multiple cards and easily edit card details > view transaction history of all your V.me by Visa purchases. Start shopping online securely with V.me by Visa Creating your free V.me by Visa account is quick and painless. Simply visit and click on Create a Personal Account. Have your BankVic Visa credit and/or debit card handy as you ll need to enter your card details to set your preferred card. visit bankvic.com.au for more information on V.me by Visa and how you can use it to simplify your online shopping experience. Then visit to create your account!

3 RED HOT SUMMER RATES! Thinking of buying a house or even a car this summer? Or perhaps you re looking at refinancing to get a better deal. Well for a limited time only, we re offering some RED HOT rates on home loans and car loans. With no establishment fees, these great rates will race right out the door! Special 2-year fixed home loan 4.79%pa / comparison rate 5.36%pa > on loans for $120,000 or more > three month limited time - 1 Dec 2013 to 28 Feb 2014 > available on new loans and refinances from another lender to BankVic. Not available on existing BankVic loans. Base variable home loan 4.94%pa / comparison rate 4.94% > on loans for $120,000 or more > three month limited time - 1 Dec 2013 to 28 Feb 2014 > available on new loans and refinances from another lender to BankVic. Not available on existing BankVic loans. Car loan promotional rate 6.99%pa / comparison rate 6.99% > on loans of $20,000 or more fixed for 1 5 years > two month limited time - 1 Dec 2013 to 31 Jan 2014 > available on new loans and refinances from another lender to BankVic. Not available on existing BankVic loans. Need to insure your new purchase? We ll give you up to three months free home insurance during your home loan settlement, and obligation-free car insurance quotes. Give us a call on option 2 to discuss. call option 4 or drop into a branch to speak to a friendly Loan Specialist before it s too late!

4 Save Victoria s wildlife by registering for ecomms Every year, thousands of Victoria s native animals become sick, injured or orphaned as a direct result of human activity. And when we cut down trees, we re taking homes away from animals. At BankVic, we re committed to reducing our paper consumption to lessen the impact we have on the environment. This is why we encourage our members to register for ecommunciations. When you switch to ecomms, you ll receive your monthly statements and other member communications online, instead of in the post - helping reduce paper consumption. To demonstrate our commitment, we re donating $1 to Wildlife Victoria on behalf of every member who switches to ecommunications before 15 January Wildlife Victoria is a not-forprofit wildlife rescue organisation that takes care of injured, sick and orphaned wildlife. Their network of over 1,300 Victorian-based volunteers provide a rescue service to advise, rescue, treat, rehabilitate and release the animals back into the wild. Support the important work Wildlife Victoria carry out in our community by registering for ecommunications today! visit bankvic.com.au/ecomms to register now, or bankvic.com.au/community for more information on our partnership with Wildlife Victoria. Conditions of Campaign available at bankvic.com.au/promotions. Ahead on your home loan repayments? Did you know that if you re ahead on your variable rate home loan repayments you can redraw on your funds anytime? With summer coming up why not reward yourself with a holiday, car or even a renovation? Our free redraw facility on variable rate home loans allows you to withdraw directly from your home loan account any additional repayments you ve made. What s more, you can make as many redraws as you like and there is no fee to do so. The minimum redraw is $50 and the maximum is the amount of advance repayments you ve made. Redraw online via internet banking or give us a call. Tis the season for theft With a pile of gifts under the tree and stockings stuffed to the brim, the gift giving season can be a tempting time for burglars. Especially with so many Australians either on holiday or out shopping for more gifts - leaving their homes unattended. With the increased risk of break-ins over Christmas, it s a great time to check your home and contents insurance to ensure your adequately covered. Through CGU or Allianz, we can arrange insurance to protect your home and its contents from theft, fire, storm and malicious damage when you can t be there to protect it yourself. login to your internet banking to redraw today, or call us on option 4 visit bankvic.com.au, call option 2 or drop into a branch for a free quote today

5 #1 Best value customer-owned bank for everyday banking Canstar recently awarded us #1 for best value everyday banking, in the customer owned banking category. Canstar research and rate savings and transaction accounts at banks across Australia, to determine which bank provides the best value for its members. Now here s where we thank you for helping us win such a prestigious award. Because when you support us by banking with us, any profits are reinvested back into the organisation so we can improve our products and services for you, and continue to provide great value! This award is just one more reason to move ALL your banking to us. That way, you ll enjoy great value on all of your accounts - from loans, to insurance and savings - plus it ll help you minimise fees and better manage your money. What s more, if you set up your salary to be deposited into a BankVic account before 31 March, you could win a pay cheque on us (see below). Even more reason for you, and your family and friends to make BankVic your primary financial institution! visit bankvic.com.au/awards for more information and to see the list of awards we ve won What would you do with an extra paycheque? How nice would it be to receive an extra paycheque just to spend on the things you really want? Move your pay to your BankVic account before 31 March for a chance to win a paycheque on us! What s more, we ll take care of moving all your existing regular payments for you, leaving you time to do the things you enjoy like shopping. All you need to do is fill in a Switching form with your old account details and we ll do the rest. We ll contact your old financial institution and switch any direct debits and credits you ve previously arranged. Move your pay to BankVic today for a chance to win. What are you waiting for? visit bankvic.com.au/promotions for competition Conditions of Entry or to find out more

6 Did you know? Did you know that ambulance transport and attendance in Victoria isn t free, nor is it covered by Medicare? Emergency road transport costs begin at almost $1,000 and an air ambulance several thousands. That s a bill that nobody wants to pay out of their own pocket. For complete peace of mind visit ambulance.vic.gov.au/ membership or call to become an Ambulance Victoria member. BankVic is a proud supporter of Ambulance Victoria 2014 monthly calendars By now your household should ve received your 2014 magnet calendar. If you d still like to receive a traditional monthly calendar, please contact Member Response on option 3. BankVic member wins $500 travel card Congratulations to Joanne who won an American Express GlobalTravel Card worth $500 for her foreign exchange transaction she made through us during the American Express travel card competition. What a great surprise! - Joanne. Travelling overseas? Next time you re leaving the country, remember us for your foreign exchange needs. Through American Express Foreign Exchange, we can arrange up to 60 different currencies of foreign cash. Don t forget the other travel products we have, like loans and insurance. We offer a range of competitive travel insurance policies, packed with features and benefits to protect you if the unexpected occurs while on holiday - and a travel loan to get you there! visit bankvic.com.au/travel for more info Contact us bankvic.com.au Rapid Response Option 1 Insurance Option 2 insurance@bankvic.com.au Member Response & General Enquiries Option 3 Loans Option 4 loans@bankvic.com.au Financial Planning Option 5 financialplanning@bankvic. com.au Administration carlton@bankvic.com.au Head Office 121 Cardigan Street Carlton VIC 3053 World Trade Centre Mezzanine Level, Siddeley Street, World Trade Centre, Melbourne VIC 3005 Monash Medical Centre Level 2, 246 Clayton Road, Clayton VIC 3168 Police Training Academy Viewmount Road, Glen Waverley VIC 3150 You and Money youandmoney.com.au facebook.com/youandmoney twitter.com/uandmoney BankVic facebook.com/bankvic.au twitter.com/bankvic This newsletter has been prepared by Police Financial Services Limited ABN AFSL Australian Credit Licence trading as BankVic. Any advice is general and not based on any consideration of your objectives, financial situation or needs. Before acting on the advice you should consider whether the advice is appropriate for you. Before you make any decision to acquire any product or service you should consider your personal circumstances and consider the relevant Product Disclosure Statement (PDS) available on our website, from any of our branches or by calling Insurance: As an AFSL holder, we sell general insurance products under an agreement with CGU Insurance Limited ABN AFSL We provide insurance products as an agent for Allianz Australia Insurance Limited ABN AFSL (Allianz) and travel insurance as an agent for AGA Assistance Australia Pty Ltd ABN AFSL trading as Allianz Global Assistance. Allianz Travel Insurance is issued and managed by Allianz Global Assistance for the insurer Allianz. Terms, conditions, limits and exclusions apply. If you purchase insurance we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. Loans: Variable interest rates quoted are current as at date of print and subject to change. Fixed interest rates will revert to the applicable variable rate at the end of the fixed rate period. All loan applications are subject to our standard credit assessment and approval criteria. If unsuccessful, you may be liable for costs associated with the loan application. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rates. Comparison rates for home loans have been calculated on a home loan amount of $150,000 over a term of 25 years, secured by freehold property, located within the metropolitan area and associated costs. Comparison rate for car loans apply to a secured car loan only, for an amount of $30,000 over a term of five years. Fees and changes apply. Information on terms & conditions, interest rates and fees & charges applying to our products and services is available upon application or request. Abbreviated Conditions of Entry Win an extra paycheque competition: Open to new and existing BankVic members who switch their salary and regular payments or direct debits to BankVic by submitting a completed online Account Switching Form or returning the completed form via , fax or mail during the competition period, at least one salary credit must be received by 8pm (AEST) 5 May Employees and directors of BankVic and their immediate families (spouse/partner, child or parent) are not eligible to enter. The competition opens 2/12/2013 and closes 31/3/2014. Total prize value $4,500. The competition will be drawn at 11am on 9 May 2014 at BankVic, 121 Cardigan St, Carlton, Victoria, The winner will be notified in writing and their full name will be published in the May 2014 edition of Member Matters. Full terms and conditions are available on request. BankVic was awarded Best Value Australia Everyday Banking in the Customer Owned category of the 2013 Everyday Banking Awards. Canstar is a trademark of CANSTAR Pty Ltd, ABN Authorised Representative V.me: V.me by Visa is operated by Visa U.S.A. Inc. Before making a decision to use V.me read the terms of service and privacy policy available at Foreign exchange: BankVic is acting as an agent of American Express International Inc ABN AFSL in the provision of travellers cheques, foreign currency cheque, cash conversion, and international telegraphic transfers and drafts. BankVic 121 Cardigan BankVic 121 Cardigan Street, Carlton, Victoria bv