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1 Business Solutions

2 02 With every business transaction we make it count.

3 business solutions Personal service has a new name When we say we re here to help you, we mean business. Whether you re just starting up, continuing on or looking to diversify or grow, we can help you structure your finances in a simple, straightforward and cost effective way. Our Relationship Managers will talk with you to understand your requirements, then work with you to come up with financial solutions that will help your business grow and prosper. If it s more convenient, your Relationship Manager will visit you to minimise the time you need to spend away from your work. And if you have additional funds, we can also offer you competitive rates on our range of investment and term deposit accounts. 03

4 BUSINESS SOLUTIONS Business loans & accounts Business cheque accounts A convenient everyday account to pay your bills and manage your cash flow With this low-cost account you can meet your daily business banking needs and enjoy a wide range of features and access options. Key features Funds available at-call High number of fee-free transactions. Cheque book facility High interest earning account (link to Midas Account to earn higher interest) Interest paid quarterly Deposits and withdrawals Over the counter at any Delphi Bank branch Internet Banking with access 24/7 RediATMs, NAB ATMs and EFTPOS Deposits at any CBA branch Cheque-book facility Merchant facilities Direct credit and debit facilities 04

5 Business loans Lending and credit facilities for your business No matter what sector you re in, you can give your business a boost and gear it for growth with a business loan. Key features Competitive interest rate Competitive fees No penalties for early repayment Choice of variable or fixed interest rate options, or a combination of both Interest only options available Fast approvals Redraw facility Minimum loan $20,000 Maximum loan terms 20 years (residential security) or 15 years (commercial security) Interest calculated daily and charged monthly 05

6 BUSINESS SOLUTIONS Business loans & accounts Commercial loans Financing or refinancing for business or investment purposes Take advantage of our competitive rates and flexible options available to you for a relevant commercial purpose. Key features Variable interest rate with the option to roll over 30 days, 60 days, 90 days and 180 days Fixed interest rate 1 to 5 years Interest only option available Minimum loan $500,000 Maximum term 5 years, minimum 6 months Business overdrafts Flexible finance option for your business Manage your cash flow quickly and easily with a business overdraft, an easy way to access funds and reduce worry. Key features Competitive interest rate Competitive fees No penalties for early repayment Fast approvals Reviewed annually Interest calculated daily and charged monthly 06

7 Property finance Borrow to buy and invest in your own business growth If you need funds to purchase property of any kind, we can tailor a competitive finance package to suit your needs. Key features Commercial, industrial, retail or residential property Choice of variable or fixed interest rate options, or a combination of both Interest only options available Fast approvals Finance tailored to your business needs 07

8 BUSINESS SOLUTIONS Online banking made easy Business Internet Banking Delphi Bank s convenient and easy Internet banking facility gives you instant access to all your Delphi accounts 24 hours a day, 7 days a week, no matter where you are in the world. All you need is Internet access. Whether you are at work, at home, on holiday or elsewhere, it s easy and efficient to manage your business finances online. You save time, by doing your banking wherever you are. You save money, as Internet Banking is cost effective. And you support the environment, as banking online means less paper waste. Key features Check account details and balances Create and edit batched transactions View or print transaction records, statements or reports Transfer funds internally, externally and to BPAY biller codes batch multiple transactions Multiple authorities on accounts Change multiple authority passwords Check batch status at any time To find out more visit delphibank.com.au, call or drop into any Delphi Bank branch. 08

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11 BUSINESS SOLUTIONS Say hi to Delphi WHY DELPHI BANK? Personal service Our customers are our number one priority and we pride ourselves on delivering the best service every time. At Delphi you ll find no call centres and no long delays, just a friendly person dedicated to making your banking experience a rewarding one. Competitive interest rates and fees Interest rates on Delphi Bank savings, investments and loans are competitive and we always aim to minimise your banking costs. Strength and security Like other banks, Delphi operates under the strict regulations and processes of the Australian Prudential Regulatory Authority and the Australian Securities and Investments Commission. And as part of the Bendigo and Adelaide Bank family, you can be confident you re dealing with a large, successful Australian banking group. Our door is always open At Delphi, you can choose the products that suit your needs and with Internet banking you can access your funds 24 hours a day from wherever you are in the world. Community focus What makes Delphi Bank different? We really do care. The Delphi Bank Foundation was established to support people experiencing disadvantage. And we also support community and sporting groups, educational institutions and much more. 11

12 To find out more Call Visit delphibank.com.au Or ask in branch This information is current as at 1 December Before taking up any of Delphi Bank s products or services you should consider if they are appropriate for you. Delphi Bank recommends that you read the respective Terms & Conditions and other Disclosure documents before deciding to acquire or use any of the Bank s products or services. These documents can be obtained at any of our branches or by visiting our website delphibank.com.au Delphi Bank A division of Bendigo and Adelaide Bank Limited ABN AFSL / Australian Credit Licence (S42270_2B) (V001) (11/12) BEN50DBMB002

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