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1 Be part of something bigger. BIG Bendigo Benefits for Deakin University.

2 It s BIG rewards for you. The BIG Bendigo Benefits program is a special range of products and services designed to benefit members of Deakin University Community Bank initiative. Choose to become part of something bigger and you can take advantage of a wide range of offers, with benefits that really add up. Whether it s a home loan, personal loan, insurance or financial advice, with BIG Bendigo Benefits you ll save money. But it s bigger than that. Bendigo Bank isn t like other banks. Our community focus ensures we share part of the profits we make with the communities we re part of. In fact, every Bendigo Bank home loan, credit card or account contributes to the wellbeing of your community. So don t just choose a banking product, be part of something bigger. Find out more about BIG Bendigo Benefits visit bendigobank.com.au/deakin to find out more about big things happening in your community. 2

3 0.7% discount. On residential variable rates. For home loans over $250,000. Receive an even BIGGER discount on the variable rate of your Bendigo Bank Home Loan over $250,000. You ll also pay no loan application fee and no ongoing annual fee, enjoy the benefits of a transaction fee free account and receive a 3% discount on the Bendigo Ready Red Credit Card interest rate. A home loan from the Bendigo is about more than just the interest rate. 3

4 0.5% discount. On residential variable rates. For home loans up to $250,000. Receive a BIG discount on the variable rate of your Bendigo Bank Home Loan up to $250,000. You ll also pay no loan application fee and no ongoing annual fee, enjoy the benefits of a transaction fee free account and receive a 3% discount on the Bendigo Ready Red Credit Card interest rate. That s a BIG value home loan tailored to suit your needs. 4

5 0.10% discount. On fixed interest rates. For home loans over $250,000. Our BIG deals also extend to fixed interest rates, with 0.10% discount available on fixed interest home loans over $250,000. You ll also pay no loan application fee and no ongoing annual fee, enjoy the benefits of a transaction fee free account and receive a 3% discount on the Bendigo Ready Red Credit Card interest rate. With a fixed interest rate you ll always know what your repayments will be. 5

6 Up to 0.20% discount. And no application fee on personal loans. Whether it s for a new car, solar panels or even a holiday, a personal loan may be just what you need. And thanks to BIG Bendigo Benefits you can receive a 0.20% discount on secured loans and an 0.10% discount on unsecured loans. Plus, you ll pay no application fee on your personal loan. So if you want to be part of something bigger, choose a Bendigo Bank Personal Loan and get there quicker. 6

7 An extra 0.10% interest. On term deposits. With BIG Bendigo Benefits you ll receive bonus interest on your Bendigo Bank Term Deposit. It s the ideal choice if you need regular income from your investment, but don t need immediate access to your funds. So why not lock in the BIG benefits that come with bonus interest and really watch your money grow. 7

8 14 months for the price of 12. On home and contents insurance for the first 12-months. You ll save when you take out home and contents insurance through Bendigo Bank. With BIG Bendigo Benefits you receive your first 14 months insurance for the price of 12, saving you BIG dollars. Plus, you get a great quality, competitively priced policy with a real pay-by-the-month option. More than just a great policy and a great price, Bendigo Home and Contents Insurance is bigger than that - it s about protecting the things that are important to you. 8

9 4% discount. On health insurance through Bendigo Bank. Receive a 4% discount on your premium when you take out private health insurance with Bendigo Health Cover by Australian Unity and select to pay your premium by direct debit. You can choose from a huge range of hospital and extras cover and excess options. That s a BIG saving that will have you protected for anything life might throw at you. 9

10 Obligation free first interview. With a Bendigo Financial Planner. A Bendigo Financial Planner can help you make your BIG ideas a reality. As part of the BIG Bendigo Benefits program you can get started with a no obligation, free first interview. It costs you nothing and the right advice could help you save for your first home, educate the kids, provide for your family and set you up for retirement. You re also entitled to even bigger savings with a 5% rebate on premiums payable for life, trauma or income protection insurance. 10

11 50% discount. On foreign currency fees. It doesn t matter where you re going or how long you re going for, it s always good to have some of the local currency in your pocket when you arrive. And with a BIG 50% discount off fees and commission charged for foreign currency conversion, you ll be making your holiday funds go further. 11

12 $100 discount. On equipment finance. Thanks to BIG Bendigo Benefits you ll receive a $100 discount off the documentation fee on your next equipment finance deal. So why tie-up money in equipment, plant and other assets and put your cash flow under pressure, when you can secure a highly competitive interest rate and a BIG discount from your local Bendigo Bank branch? Equipment finance from the Bendigo is the flexible way to help you achieve your business objectives. 12

13 Save 20%. On your personal phone and internet costs for the life of your Bendigo Bank home loan. This BIG offer is exactly as it sounds and it s easy to access. Whether you have an existing Bendigo Bank home loan, or you re arranging a new one, simply select a phone and internet package from bendigobanktelco.com.au. Once your loan is settled, we ll automatically discount your phone and internet bill by 20% each month for as long as your loan is with us. There are no catches and no fuss, just BIG savings when it comes to staying connected with your family and friends. 13

14 0.50%pa discount. On the standard variable rate for margin lending. Just as many Australians have improved their financial position by borrowing money to invest in property margin lending allows you to apply the same philosophy to the share market. A margin loan may help you boost your long-term wealth and reach your financial goals sooner. Thanks to BIG Bendigo Benefits, and a 0.50%pa discount on the standard headline variable interest rate, you can strengthen your investment power. 14

15 This brochure contains general advice only. Please consider your situation, the Product Disclosure Statements or Terms and Conditions detailed below before making a decision. Offers subject to terms and conditions. Fees and charges apply. Bendigo and Adelaide Bank Limited (the Bank) ABN AFSL/Australian Credit Licence The following conditions apply to the products set out on the pages numbered below. Page 3, 4 and 5 All home loans subject to the Bank s normal lending and eligibility criteria. 0.5% and 0.7% discounts apply to the Bank s Standard Residential Variable Rate. 0.10% discount applies to the Bank s Standard Fixed Interest Rate. The interest rate reduction on the Bendigo Ready Red credit card applies to the base rate only and not to the default interest rate. A complete list of accounts and transaction types eligible for full rebates is available in our Schedule of Fees, Charges and Transaction Rebates. Page 6 All personal loans subject to the Bank s normal lending and eligibility criteria. Terms, conditions, fees and charges apply. Page 7 Rates are subject to change. Terms, conditions, fees and charges apply. Available investment terms are set out in the Schedule of Interest Rates for Term Deposit Accounts. Page 8 and 9 Bendigo Home and Contents Insurance is issued by CGU Insurance Limited ABN AFSL Bendigo Health Cover is issued by Australian Unity Health Limited ABN The Bank operates under its own Financial Services Licence and an agreement with the insurers. The Bank receives a commission for arranging insurance. This commission forms part of your premium. Page 10 Financial planning services are delivered by Bendigo Financial Planning Limited ABN AFSL a subsidiary of Bendigo and Adelaide Bank Limited ABN AFSL Bendigo Financial Planning receives remuneration on the services it provides. You should consider your situation and read the relevant Product Disclosure Statements available from bendigowealth.com.au before making an investment decision. Page 11 Foreign exchange products are issued by Bendigo and Adelaide Bank Limited. This material contains general advice only. Please consider your situation and read the relevant Terms and Conditions available at bendigobank.com.au before making a decision. Page 12 Equipment finance subject to the Bank s normal lending and eligibility criteria. Terms, conditions, fees and charges apply. Page 13 20% discount applies to personal Bendigo Bank Telco (BBT) services only. BBT is a trading name of Community Telco Australia Pty Ltd ABN , a fully owned subsidiary of Bendigo and Adelaide Bank Limited ABN AFSL/Australian Credit Licence To be eligible for the BBT discount you must have a Bendigo Bank home loan, and the residential address for your BBT service and Bendigo Bank home loan must be the same. The discount does not apply to outright hardware purchases. The discount is applied to your second and each subsequent BBT bill for the duration of your loan. Terms, conditions, fees, charges and lending criteria apply. Full details available on application. Page 14 Margin lending products are issued by Leveraged Equities Limited ABN AFSL , a subsidiary of Bendigo and Adelaide Bank. You should consider your situation and read the relevant Product Disclosure Statements available from leveragedequities.com.au before making an investment decision. To find out more contact Leveraged Equities on

16 Be part of something bigger. It s simple. Just become a Bendigo Bank customer. If you d like to discuss the BIG Bendigo Benefits program, or other ways we can help, please contact Jeremy Foenander Bendigo and Adelaide Bank Limited ABN AFSL/Australian Credit Licence (S50976) (03/15) bendigobank.com.au/deakin

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