Student Banking. victeach.com.au Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124

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1 Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au Victoria Teachers Limited ABN AFSL/Australian Credit Licence Number VTAD Student Banking

2 Where to find Student Banking Package 1 Our accounts 2 Student Banking Package At Victoria Teachers Mutual Bank our customers come first. Our aim is to provide customers with the financial services, relationships and advice they need to help build and protect their finances at every stage of life. Account access 4 Loans 6 Credit Cards 10 Insurance 12 Full-time university, TAFE, CAE, VCE students or those registered in a traineeship, apprenticeship or other registered course, can bank with fee free transactions as part of our Student Banking Package. Our package contains a range of offers just for students: No transaction fees and no monthly account fees. 0% p.a. for 6 months on our Visa Classic Credit Card. 1 Up to 100% finance for car purchase. 2,3 No establishment fee on our Personal Loans. No establishment fee on our Student Loans (with the option to defer repayments for up to 3 years). 4 Premium CGU insurance policies at competitive prices. 5 Up to 7.5% discount on Health Insurance with Australian Unity. 3,5 Free Financial Planning consultation. Call us on to find out how to access these offers. Becoming a customer is easy Open an account online at victeach.com.au I Call or customerrelations@victeach.com.au Visit one of our branches at Hawthorn East or Moonee Ponds This information does not take into account your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or the relevant Product Disclosure Statements (PDS) before acquiring a product. These documents are available at our branches or by contacting us on Subject to assessment criteria and loan suitability assessment. Will revert back to standard variable interest rate once 6 month period is complete. Refer to our website for current interest rates 2. Available to eligible applicants. 3. Conditions apply. 4. Repayments can be deferred until completion or termination of studies (up to 3 years), with interest accruing from the date the loan is disbursed. Guarantor may be required. 5. CGU Insurance Limited ABN , AFSL , Australian Unity Health Limited ABN , Zurich Australia Limited AFSL , ABN , Swann Insurance AFSL , ABN and Doug Kerr Insurance Consultants P/L trading as Brokers National AFSL , ABN are the insurance providers. In arranging this insurance, Victoria Teachers Limited ABN , AFSL , acts under an agreement with the insurers, not as your agent. This information does not take into consideration your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or relevant Product Disclosure Statement (PDS) before acquiring a product, available by calling We receive commission on these insurance products as a percentage of the premium price for each policy ranging from 5-35%. 1

3 Our accounts We offer a range of accounts with highly competitive interest rates and convenient access to funds designed to suit your needs. Transaction accounts Everyday: A transaction account for general banking needs, accessible via our Internet and Phone Banking services. Your cheque book, Visa Debit Card or ATM card can be attached. Budget: Ideal for managing your financial commitments. You can set up automatic payments from the account including regular Direct Debits, BPAY and Regular Authorised Payments. Investments Cash Management: Offers a higher rate of interest for larger deposits, with the flexibility of funds at call. Minimum opening deposit is $5,000. Access is via Internet, Mobile and Phone Banking. Term Deposits: Competitive interest rates, range of terms and a guaranteed rate of return. Terms available for 30 days to 5 years. Saving accounts Online Saver: This easy to use account offers high returns on your savings. It is accessible via our secure and convenient Internet, Mobile and Phone Banking services. Bonus Saver: Bonus interest is awarded when at least one deposit of a minimum of $1.00 and no withdrawals are made within a calendar month. Christmas Club: Save for Christmas expenses by earning a higher rate of interest and restricting access to your funds until November. First Home Bonus Saver: Save for your first home while earning bonus interest.* You ll also receive $600 cash back, and we ll waive the establishment fee when your Home Loan is funded by the Mutual Bank.^ *Bonus interest is earned when deposits totaling a minimum of $100 and no withdrawals are made in the calendar month. ^Cash back will be paid when a new home loan is funded by the Mutual Bank and the account was held for a minimum of twelve months with a balance of $5,000 maintained over three consecutive months immediately prior to lodging a home loan application. 2 3

4 Account access Access to your funds has never been easier with our wide range of channels. Depositing funds Customers have a range of options to deposit funds: Credit your salary or study benefits directly into your account. Simply provide your employer with our BSB number and your account number. Internet, Mobile and Phone Banking to transfer funds between your own accounts. Through electronic transfers from other institutions or accounts, using the BSB number and your account number. Over the counter at any Commonwealth Bank branch using our specially encoded deposit books (cash and cheques). Bank@Post, using your card at participating Australia Post outlets (cash and cheques) using your Visa Debit or Credit Cards. At our branches at Hawthorn East and Moonee Ponds. By mail (cheques only). Withdrawing funds We offer extensive 24/7 worldwide account access. Withdraw funds using: Our Visa Debit Card - access your own funds via EFTPOS, Commonwealth Bank ATMs and worldwide, wherever the Visa logo is displayed. Internet/Mobile Banking - transfer funds between internal and external accounts. SMS Alerts and Alerts available. Our ATM Card - via EFTPOS and Commonwealth Bank ATMs. Regular Authorised Payments, using a BSB and account number. Our Visa Credit Cards credit facilities which can be used through EFTPOS, Commonwealth Bank ATMs and worldwide, wherever the Visa logo is displayed. The cards can also be used for cash advances (fees & charges apply). Phone Banking - transfer funds between selected accounts. Bank@Post using your card at participating Australia Post outlets. Our branches at Hawthorn East and Moonee Ponds. Personal Cheque Book. Bill paying Customers have convenient bill paying options available: Visa Debit Card. Visa Credit Cards. BPAY using Internet, Mobile and Phone Banking. Direct Debit. Regular Authorised Payments, using a BSB and account number. Personal Cheque Book. 4 5

5 Loans Our loans offer flexible repayment options, the ability to make extra payments at any time and no establishment fees and monthly administration fees. Student Loan Our Student Loan is ideal if you are studying full-time and need some extra funds to pay for expenses, such as computers, text books, furniture or course fees, either now or in the future. With our Student Loan, repayments can be deferred for up to 3 years. 6 Personal Loans Our Personal Loans allow you to borrow money for any worthwhile purpose, such as a holiday or new furniture. With our competitive interest rates you will be able to pay off your loans faster. Our Green Personal Loan offers a reduced interest rate for the purchase of environmentally friendly products. Visit victeach.com.au for eligibility criteria. You can also apply for a Personal Loan to pay off your credit card or consolidate all your debts into one loan, to help manage your finances. Car Loans - New, Used or Green We offer competitive loans for new or used cars and with our Student Banking Package you can get finance for up to 100% of the vehicle purchase price. Our Green Car Loan offers a reduced rate of interest, no monthly fees and flexible repayment options for the purchase of an environmentally friendly new car with a C02 value of 180 g/km or less, as rated by the Australian Government Green Vehicle Guide. View eligibility criteria available at greenvehicleguide.gov.au. Obtain pre-approval before choosing a car so you can go shopping knowing that your finance has already been approved. 6. Repayments can be deferred until completion or termination of studies (up to 3 years), with interest accruing from the date the loan is disbursed. Guarantor may be required. 6 7

6 Loans (continued) Home Loans We offer a wide variety of Home Loans to suit your needs and will help you through every step towards your dream home. First Home Buyers Package Choose between the Education Package Home Loan or Complete Home Loan and turn your dream of home ownership into reality with: $0 Home Loan establishment fee % offset facility on variable rate home loans (multiple offset accounts available on the Education Package Home Loan). Competitive interest rates. Ability to borrow up to 98% of the value of the property. 8 Borrow up to 100% with our Family Guarantee. 9 No Personal Loan establishment fee. No transaction fees. 10 Premium CGU insurance policies at competitive prices. 11 Pre-approved Visa Classic Credit Card for day to day expenses. 12 Our friendly Home Loan Consultants can help you choose the right loan for your circumstances and can organise: A free, no obligation Home Loan assessment or Mobile Lending Consultation. 13 Processing of the First Home Owners Grant. Pre-approval of your loan. 7. Applicants who decide not to proceed with the loan may incur establishment fees. 8. Lenders Mortgage Insurance (LMI) is only required if the loan exceeds 80% of the property value or 85% for Education Package Home Loan holders where approval conditions are met. LMI protects the lender. Loans of up to 95% Loan to Value Ratio (LVR) can be approved, subject to meeting LMI approval conditions and may be extended to 98% inclusive of LMI fee capitalisation for First Home Buyers who are or have been employed in the Education sector and their immediate families. 9. Subject to approval and conditions apply. Fees and charges apply. Available on Standard, Complete and Education Package Home Loans. 10. Charges may apply at non-cba ATMs. 11. General insurance is issued by CGU Insurance Limited (CGU) ABN , AFSL In arranging this insurance, Victoria Teachers Limited ABN , AFSL acts under an agreement with CGU, not as your agent. This information does not take into consideration your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or relevant Product Disclosure Statement (PDS) before acquiring a product, available by calling We receive commission on these insurance products as a percentage of the premium price for each policy ranging from 5-35%. 12. A $5,000 limit will be provided for eligible applicants, higher limits will be considered upon request. 13. Available in metropolitan Melbourne only. Country Customers requests will be determined by location. 8 9

7 Credit Cards Visa Credit Cards Our Visa Classic Credit Card offers: 0% p.a. for 6 months. 14 A low competitive ongoing interest rate. 15 No annual fee. Up to 55 days interest free /7 access. Quick approval. Easy repayment options. No monthly administration fees. Access to funds via EFTPOS, Commonwealth Bank ATMs and worldwide, wherever the Visa logo is displayed. Balance transfers from your existing Credit Card. For more details visit the Victoria Teachers Mutual Bank Visa Classic Credit Card page at victeach.com.au. How to apply Call I loans@victeach.com.au I Apply online at victeach.com.au 14. Subject to assessment criteria and loan suitability assessment. Will revert back to standard variable interest rate once 6 month period is complete. Refer to our website for current interest rates 15. Variable interest rate. Fees and charges apply. Full details on request. Refer to website for current interest rate.16. Does not apply to cash advances, applicable to Student Banking and Starting Out Customers after the 6 months interest free period

8 Insurance As an agent/referrer for a number of insurance providers, 17 we can find the right insurance cover for you at an affordable premium. Motor Vehicle Insurance We can provide you with a range of cover options including Comprehensive, Third Party Fire and Theft and Third Party Only, along with a range of benefits such as no claim bonus protection and excess removal for windscreen claims. You can also pay your insurance by the month at no extra cost. 18 Did you know that if your vehicle is under finance you can be charged higher premiums by your insurance company? If you take out a Car Loan with Victoria Teachers Mutual Bank and insure it through us, there is no extra charge. Contents Insurance Our Starting Out Package offers you premium CGU policies for your Home and/or Contents Insurances, so you can protect the things you care about. Travel Insurance We can arrange Travel Insurance for events such as: Cancellation fees and lost deposits. Lost luggage and personal effects. Overseas medical/hospital/dental expenses. Replacements for lost or stolen travel documents, credit cards and cash. And much more! Health Insurance We understand health is your most important asset. We offer you a 7.5% discount on your Health Insurance through Australian Unity. 19 By joining at an early age, you ll avoid the Federal Government s 2% penalty you would otherwise pay every year you delay joining after the age of CGU Insurance Limited ABN , AFSL , Australian Unity Health Limited ABN , Zurich Australia Limited AFSL , ABN , Swann Insurance AFSL , ABN and Doug Kerr Insurance Consultants P/L trading as Brokers National AFSL , ABN are the insurance providers. In arranging this insurance, Victoria Teachers Limited ABN , AFSL , acts under an agreement with the insurers, not as your agent. This information does not take into consideration your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or relevant Product Disclosure Statement (PDS) before acquiring a product, available by calling We receive commission on these insurance products as a percentage of the premium price for each policy ranging from 5-35%. 18. Motorcycle Insurance pay-by-the-month incurs a small fee. Hard to place risks payment options may vary with the underwriter. The total premium may vary slightly due to rounding; and bank or financial institution transaction fees may apply. 19. Inclusive of all other retail discounts and when payment is a direct debit from an account