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1 SGE News SEPTEMBER 2013 Spring clean your finances! 2 Year Fixed Rate Home Loan 4.94 % pa 5.73 % pa 5.21 % pa 5.24 % pa IN THIS ISSUE We have the home loan solution for you! Purchasing a car? Talk to SGE! Find the right insurance cover Solutions Home Loan Package ASK US TODAY! Call

2 Want to purchase a new car? We can help you! SGE Credit Union is your one stop shop for purchasing your next car! We can help you find the right vehicle and the right insurance at a competitive price to have you on the road in no time! With the launch of our NEW Fixed Rate Car Loan with a rate of 7.99%pa (comparison rate 8.26%pa^), SGE can help you drive away in your dream car sooner! The new Fixed Rate Car Loan can really benefit you by locking in this special rate for up to 5 years. The new Fixed Rate Car Loan is the clever way to buy and borrow and will give you repayment certainty over the term you chose. You can borrow up to $70,000 for a new or used car of up to 3 years of age. Making life easier by having the peace of mind knowing your repayments will not fluctuate during the term of the loan. To find out more visit ^ Comparison rate based on $30,000 over 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications are subject to lending criteria. Terms & conditions and fees & charges apply which are available from or one of our Service Centres. Interest rates are correct as at 9 August 2013 and are subject to change at any time. Need help finding the right vehicle for you? Auto Search will help you find the right car and it s absolutely free! Auto Search will save you time and money and match you with the right car to suit your needs and budget. Giving you expert advice from consultants with years of experience within the motor vehicle trade, full warranty from manufacturers and no high pressure sales tactics, Auto Search is the right choice for finding your next car! Call Auto Search on (02) or visit our website to find out more! Talk to us about car insurance! Have you thought about getting a competitive quote for your car insurance? Are you buying a new car and need to organise you insurance quickly? Have you got the right insurance cover? SGE Credit Union can help! talk to sge about the right cover today! Give yourself peace of mind by talking to SGE Credit Union about car insurance. Offered by QBE, car insurance is just one of the comprehensive range of insurance solutions we have available to you. Our partnership with QBE allows us to offer SGE Credit Union members value and quality insurance products, making SGE your one stop shop for insurance cover! Call us on to get a quote. Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you. Insurance issued by QBE Insurance (Australia) Limited ABN AFS Licence

3 Spring clean your finances at SGE Credit Union! Spring is about the warmer weather and new beginnings but also about making a fresh start with your finances! When you spring clean your home, you most likely scrub the floors, dust the shelves and remove the rubbish from your home. Take a similar approach to your finances and make a fresh start! Have you reviewed your budget recently? Do you know for certain you are saving as much as you can? Review your budget, finances and lifestyle purchases and clean out all the unnecessary expenses. It is good practice to set a date every three months to review your financial plan and goals to ensure you are on track and if there are any areas that need to change. Spring Cleaning Budget 4 Keep a record of your expenses. Write down all of your spending, keep receipts for your expenses and collect your bank statements for the past 3 months. This will give you an overview of your expenses such as mortgage repayments, rent, bills and lifestyle purchases. 4 Savings review. Keep a money planner or spreadsheet of the savings you intend to achieve to keep on track. 4 Make a list of your income details. This includes your income, benefits such as dividends, superannuation and any interest earned on your savings. 4 Keep a list of your annual expenses. This includes vehicle registration, insurance, holidays, special occasions, medical expenses, etc. How we can help with spring cleaning your finances! Call us on and we can help you better understand how our range of savings, loan and investment products can help you. It is also a good idea to seek professional advice from a financial planner. ClearView is SGE s preferred financial planner and can help you discover and achieve your financial goals. Talk to SGE today to make an appointment. Simply come into a Service Centre or call and we can get you started right away! Spring cleaning checklist Update your budget. It is good practice to review your budget constantly to ensure you are maximising your savings. Evaluate and reduce debts. Review how much you owe and how much interest you are paying on your loans. Consolidating them all into one loan could help. Talk to us about how we can help you with this. Review your insurance. Do you have the right cover? The insurance policy you took out a few years ago may not be relevant to your lifestyle now. Read your statements. Make sure you get into the habit of constantly reviewing your statements so you know what is happening on your accounts. See a financial planner. SGE can make an appointment for you to see a ClearView financial planner **.

4 We have the home loan solution for you! It has never been a better time to take advantage of great low s on offer! Our Solutions Home Loan Package offers a specially reduced and is packed full of benefits! Solutions Home Loan Package 5.21 % pa 5.24 % pa Benefits of the Solution Home Loan Package: Specially reduced Solutions Visa Credit Card Interest offset account available Home and personal insurance options * Direct payroll facility A fee free initial consultation with a qualified ClearView financial planner** Flexibility to make extra repayments with no penalties Redraw facility available ~ Apply today! Come into your local Service Centre or call and enjoy the benefits! SGE Credit Union Limited ABN AFSL & Australian Credit License No Eligibility criteria for loans, terms & conditions and fees & charges apply. ~Minimum redraw of $100 applies. # Comparison rate based on $150,000 over 25 years. Different terms, fees or other loan amounts might result in a different comparison rate. Interest rates are correct as at 9 August 2013 and are subject to change at anytime. *Insurance products arranged by SGE Credit Union Limited. General Insurance issued by QBE Insurance (Australia) Limited ABN AFSL Licence Terms, conditions and acceptance criteria apply. Please read the relevant Product Disclosure Statements (PDS) available from to decide if the product is right for you. **ClearView Financial Planners are Authorised Representatives of ClearView Financial Advice Pty Limited ABN AFSL SGE Solutions Visa Credit Card Enjoy the benefits and flexibility A credit card from SGE Credit Union comes with a competitive and packed full of features. It will also give you peace of mind for those times you are not carrying cash or want to make a purchase and that you would rather pay later! SGE Credit Card benefits 4 Worldwide VISA Card acceptance 4 Up to 45 days interest free periods on our credit cards^^ 4 Bonus Rewarder Card with SGE Credit Cards 4 One Rewarder dollar for every $100 spent for SGE Gold Solutions Card 4 One Rewarder dollar for every $200 spent for SGE Classic Solutions Card 4 Every point earnt with your SGE Visa Card is turned into cash which you can then spend anywhere EFTPOS is available 4 Cash advances do not incur a higher rate of interest on the Solutions Credit Cards Classic Solutions Visa Credit card Rate Interest Rate* 12.95%pa Gold Solutions Visa Credit card Rate Interest Rate* 14.95%pa Apply today! Come into your nearest Service Centre or call SGE Direct on today! SGE Credit Union Limited. ABN , Australian Credit Licence No *Interest rates are subject to change at anytime. Eligibility criteria for loans, terms & conditions and fees & charges apply. ^^Providing you pay your account in full each month and by the due date.

5 A message from the CEO Another financial year has passed and I m sure many of you are taking the opportunity to review your financial goals. Although volatile economic conditions persist in many countries, I am pleased to report that we are seeing signs of renewed investor and household confidence among our SGE members. With home loan s now at their lowest levels for over 50 years, we ve seen a marked increase in the number of members choosing to purchase investment properties or upgrade their family homes. The recent lift in consumer confidence has driven a record increase in SGE home loan approvals, thanks in part to the great success of our Share it Around member referral campaign. This promotion has exceeded all expectations with many members taking the opportunity to refer friends and family to SGE. With members earning $1,000 for eligible home loans (and $200 for personal loans), the Share it Around campaign has proved beyond doubt that SGE s loyal members are our best marketing resource. Although eligibility for the Share it Around referral payments formally ended on 31 August, we will continue to process payments in circumstances where the initial loan inquiry occurred before that date. With many members now looking to re-enter the housing market, this edition of SGE News includes helpful articles on our Solutions Package Home loan and our new Fixed Rate Car loan. I am also pleased to report some exciting new developments at SGE, with our refurbished branch at Liverpool Hospital having opened on 8 July, and with a new branch at the Royal North Shore Hospital due to open later this year. Although the vast majority of our members (around 95%) continue to conduct all of their banking online or by phone, we are always on the look-out for suitable branch locations near our members workplaces. Break away from uncertainty! Worried about rising s? Our Fixed Rate Home Loans give you peace of mind with a locked in and repayment. A Fixed Rate Home Loan means your repayments stay the same for the duration of the fixed rate period, making it much easier to budget and plan your lifestyle. We have a range of fixed rate home loans with terms varying from 1 to 5 years and a new Fixed Rate Car Loan as well. Some of the benefits of a fixed rate loan from SGE include: 4 A highly competitive fixed for the term of the fixed loan period. 4 You will be protected against rising s. 4 You will be offered the flexibility of weekly, fortnightly or monthly repayments. 4 Interest only loans are also available with our fixed rate home loan options. 4 You will also be able to make extra repayments of up to 5% of the loan balance per annum. To find out more, speak to one of our loan specialists on today! # Comparison rate based on $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Interest is calculated on daily balances and charged monthly in arrears. Applications are subject to lending criteria. Terms & conditions and fees & charges apply which are available from or one of our Service Centres. Interest rates are correct as at 9 August 2013 and are subject to change at any time. Fixed Rate Loans convert to the Standard Variable Rate upon expiry of the fixed term or you may choose a further fixed rate term of up to 5 years or other options. 3 Year Fixed Rate Home Loan SPECIAL 4.99 % pa 5.66 % pa 2 Year Fixed Rate Home Loan 4.94 % pa 5.73 % pa Thanks again for your loyalty and support. Dave Taylor CEO

6 Notice of Changes effective 1 November 2013 Financial Services Guide (FSG) The following changes have been added to Collection and use of personal information: - to assess your capacity to pay a loan you: have applied for have guaranteed. The credit reporting agency we provide information to is Veda Advantage Ltd. You can contact them by: Phone Account and Access Facility - Terms and Conditions Inactive Accounts The word Dormant has been replaced with the word Inactive wherever it appears to provide greater clarity. Summary of Accounts, Availability of Access Facilities and Transaction Limits S32 Access Card Cheque Book Fees and Charges Brochure Visa Debit Card cash advance at $5.00 ATM outside Australia SGE Credit Union Limited ABN AFSL & Australian Credit License No BSB Phone Fax Mail PO Box A253 Sydney South NSW Web SGE Credit Union Locations Bathurst Shop 5, 201 Howick Street Lismore 28 Conway Street Liverpool Hospital Shop 1 Ground Floor, Clinical Services Building, Elizabeth Street Malabar Detention Centre Anzac Parade Melbourne Level 1, 128 Exhibition Street Mid City 230 Clarence Street Newcastle 328 King Street Parramatta Wentworth Street Wagga Wagga 125 Baylis Street Protect yourself from scammers! Are you concerned about becoming a victim of fraud? Unfortunately most people will be approached by a scammer at one point. There are many scammers and fraudulent activities to be wary of. Here are some tips on how to protect yourself. Scammers do not stop at anything to target victims, including adopting a personal touch. Watch out for scammers phone calls, SMS, letter, , fax, blog, online chat or dating service scammers will use any of these means to target you. Keeping personal information private is absolutely critical. Your identity can be stolen if scammers get hold of your personal information. Scammers can target you anytime, anywhere, anyhow, and they don t discriminate everyone can be targeted. Our message is to take a smart and safe approach to protect your personal information This information includes your name, address, date of birth, contact details, occupation, account details and card details. Tips to avoid scammers Know who you are dealing with online or over the phone. Verify the sellers name, physical address and phone number. It can be difficult to confirm someone s identity online, but doing an online search for their business and/ or details may be able to verify some information for you. Check your statements. If you see charges you do not recognise, contact us immediately. Do not reply to messages requesting personal information. The message can be a phone call, s or text message requesting personal or financial information. This is called phishing, where scammers are trying to trick you into giving away your information. Visit for more information and keep up to date with the latest news. sge looks after me!

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