For the half year ended 31 December 2007 The perks for working at University of Western Sydney just got better.

Save this PDF as:

Size: px
Start display at page:

Download "For the half year ended 31 December 2007 The perks for working at University of Western Sydney just got better."

Transcription

1 For the half year ended 31 December 2007 The perks for working at University of Western Sydney just got better th May February Commonwealth Bank of Australia ACN

2 Employee Plus As an employee of University of Western Sydney, you can take advantage of the Commonwealth Bank Employee Plus Program. This personalised service offers you great home loan packages with significant savings on everyday banking, investment and insurance products. Plus, even if you don t sign up for Wealth Package or have a home loan with us, you can still receive the following perks: No Monthly Account fees or withdrawal fees for six months if you open a Streamline account. Bonus 0.25% interest if you take out a Term Deposits of $10,000 - $499,000. 2

3 Wealth Package home loans perks. Minimum initial total holdings $150,000 ~ No annual package fee for the first year save $300 straightaway. Standard Variable Rate home loans. Save up to 0.70% p.a.* on the Standard Variable Rate for new loans of $250,000 or more. No upfront establishment fee # (save up to $450) and no monthly loan service fee (save $8/month). Fixed Rate Home Loans. Save 0.15% p.a.* on the Standard Fixed Rate. Available on new loans and existing loans at maturity. No upfront establishment fee # (save up to $600) and no monthly loan service fee (save up to $8/month). 1 year Guaranteed Rate and 12 Month Discounted Variable Rate home loans. When the 12 Month Discounted Variable Rate and One Year Guaranteed Rate expires, you will receive a 0.40% p.a. discount off the standard variable rate. No upfront establishment fee # (save up to $600) or monthly loan service fee (save $8/month). Viridian Line of Credit. Save 0.70% p.a.* on the Residential Equity Rate or Viridian Reference Rate for loans of $250,000 or more. No upfront establishment fee # (save up to $600) or monthly loan service fee (save $12/month). ~ Holdings refers to the sum of bank deposits, investments or lending in which you are an accountholder or borrower (excluding general and life insurance premiums or policies, business accounts, family investment companies / trusts and loans in which you are a guarantor) with the Commonwealth Bank Group. Discount is dependent on the amount of total holdings with the Commonwealth Bank. The interest rate does not apply to customers who hold or are applying for honeymoon products. # Nil establishment fee is only available if there is one security and does not apply to off-the-plan loans. Other fees may be payable. Please ask us for more details. 3

4 More Wealth Package perks. Variable and Fixed Rate Personal Loans. Save 0.50% p.a. on the Standard Variable and Fixed Rates for loans of $10,000 or more. No upfront establishment fee (save up to $135). Fixed Rate Secured Personal Loans. Save 0.50% p.a. on the Secured Fixed Rate for loans of $20,000 or more. No upfront establishment fee (save up to $250). Commonwealth Bank Gold Credit Card. No annual fee save $114 a year. No additional cardholder fee save $15. Automatic membership to the Commonwealth Awards program. CommInsure is a registered business name of Commonwealth Insurance Limited (CIL) ABN AFSL which is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN Home Insurance is issued by CIL. 4

5 The Wealth Package perks continue. Streamline Transaction Account. Unlimited everyday transactions through Australia s largest banking network.^ No withdrawal or monthly account fees.^ CommInsure Residential and Investment Home Insurance Packages. Save up to 15% p.a. on combined Residential Building and Contents and up to 7.5% p.a. on combined Investment Building and Contents Insurance premiums. Term deposits. Receive up to 0.25% p.a. bonus interest for new and renewed Term Deposits of $10,000 $499,999 (does not apply to Term Deposit Headline Rates, special offers or any other bonus interest offers). ^ Exclusions apply, please ask us for more details. + CommSec Margin Loan is a product of Commonwealth Bank of Australia administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN (CommSec). Interest rate discount on fixed rate loans applies to new loans only. 5

6 Important Information. This advice has been prepared without taking into account your objectives, financial situation and needs. Because of that, before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs. Qualifying and ongoing criteria apply to Wealth Package. Applications for finance are subject to our normal credit approval. Full terms and conditions will be included in our offer of finance. Other terms and conditions are available upon application. Offers are available until withdrawn by the Commonwealth Bank andハare not available in conjunction with any other offers. Conditions, fees and eligibility criteria for Wealth Package is available at any branch of the Bank. Streamline account and Term Deposits are issued by the Commonwealth Bank of Australia ABN Product Disclosure Statements for Streamline Account and Term Deposits are available from any of our branches, via commbank.com.au or by calling and should be considered before making a decision about the products. CommInsure is a registered business name of Commonwealth Insurance Limited ABN ( CIL ) a wholly owned subsidiary of the Commonwealth Bank of Australia. The Commonwealth Bank does not guarantee CIL or the products it offers. Where Commonwealth Bank acts as an agent for CIL, the Commonwealth Bank receives a commission from CIL. Product Disclosure Statement ( PDS ) for CommInsure Home Insurance issued by CIL is available from any of our branches or by calling and should be considered before making a decision about these products. 6

7 Enjoy all the perks of Employee Plus. Take advantage of the Commonwealth Bank Employee Plus Program now. This personalised service offers you great home loan packages, with significant savings on everyday banking, investment and insurance products. 7

Investment Growth Bond

Investment Growth Bond Investment Growth Bond A flexible tax-effective investment Simple Guide simple and quick Who should invest? The Investment Growth Bond has been designed for investors: seeking a simple, tax effective,

More information

Home Insurance Premium, Excess and Discount Guide

Home Insurance Premium, Excess and Discount Guide CommInsure Page 1 of 8 Home Insurance Premium, Excess and Discount Guide This document provides you with information to help you understand how we calculate your premium, the discounts that apply to each

More information

Home Package Plus. Terms and Conditions

Home Package Plus. Terms and Conditions Home Package Plus Terms and Conditions Effective Date: 30 October 2015 2 Suncorp Bank Table of Contents 1. About these terms and conditions...4 2. Definitions...4 3. Eligibility for Home Package Plus...5

More information

Be part of something bigger.

Be part of something bigger. Be part of something bigger. BIG Bendigo Benefits for Deakin University. It s BIG rewards for you. The BIG Bendigo Benefits program is a special range of products and services designed to benefit members

More information

Financial Services Guide

Financial Services Guide Financial Services Guide / 1 Commonwealth Private Financial Services Guide Date of issue: 22 June 2015 Issue 10 Commonwealth Private Limited ABN 30 125 238 039 AFSL 314018 Registered office: Ground Floor,

More information

Protected Loan Taxation Guide

Protected Loan Taxation Guide Protected Loan Taxation Guide An Explanatory Note The taxation implications of your Protected Loan (PL) can depend on a number of factors. In order to assist you in identifying the implications of your

More information

PORTFOLIO LVR MANAGE RISK TO MAXIMISE WEALTH

PORTFOLIO LVR MANAGE RISK TO MAXIMISE WEALTH I PORTFOLIO LVR PORTFOLIO LVR MANAGE RISK TO MAXIMISE WEALTH YOU ARE WHAT YOU DO 1 PORTFOLIO LVR WHAT IS PORTFOLIO LVR? Portfolio LVR is a feature of the CommSec Margin Loan. It rewards investors who hold

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Issued: 1 November 2013 In this Financial Services Guide (FSG), we, our, us or AEGON means AEGON Direct & Affinity Marketing Services Australia Pty Ltd (ABN 35 082 524 785) with

More information

Contents. 2 What are Options? 3 Ways to use Options. 7 Getting started. 8 Frequently asked questions. 13 Contact us. 14 Important Information

Contents. 2 What are Options? 3 Ways to use Options. 7 Getting started. 8 Frequently asked questions. 13 Contact us. 14 Important Information Options For individuals, companies, trusts and SMSFs The Options and Lending Facility Contents 2 What are Options? 3 Ways to use Options 7 Getting started 8 Frequently asked questions 13 Contact us 14

More information

A COMMBANK PERSONAL LOAN FOR THE POINT WHEN...

A COMMBANK PERSONAL LOAN FOR THE POINT WHEN... PERSONAL LOANS. A COMMBANK PERSONAL LOAN FOR THE POINT WHEN... Your scooter becomes a car Living apart becomes living together Your study becomes a nursery You tie the knot You enrol in university You

More information

USING YOUR COMMSEC MARGIN LOAN YOU ARE WHAT YOU DO

USING YOUR COMMSEC MARGIN LOAN YOU ARE WHAT YOU DO USING YOUR COMMSEC MARGIN LOAN YOU ARE WHAT YOU DO CONTENTS Using Your Commsec Margin Loan 2 Commsec Website Basics 2 Holdings 4 Account Details 4 Loan Settlement & Trading Transactions 5 Online Funds

More information

Premier Advantage Package. Conditions of Use

Premier Advantage Package. Conditions of Use Premier Advantage Package Conditions of Use Effective as at 29 June 2015 Table of Contents Premier Advantage Package Conditions of Use 1. Acceptance of Conditions of Use 3 2. Opening a Package 3 3. Eligibility

More information

BANKWEST PRIVATE BANK. Private Banking from Bankwest

BANKWEST PRIVATE BANK. Private Banking from Bankwest BANKWEST PRIVATE BANK At Bankwest Private Bank we understand the unique challenges of managing personal wealth. Our Private Client Managers provide a discrete and specialist approach to growing, diversifying

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective July 2015 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE.

COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE. COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE. This document provides you with information to help you understand how your total premium has been calculated, discounts that are available

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective February 2016 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

YOUR GUIDE TO BUYING A NEW HOME.

YOUR GUIDE TO BUYING A NEW HOME. YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at PLAN Lending we re committed to helping turn your dreams into reality, whether you

More information

Investment. A guide to investment bonds

Investment. A guide to investment bonds Investment A guide to investment bonds Investment bonds represent an opportunity to build wealth in a unique tax environment. * Here is a brief explanation of how investment bonds work. About OnePath OnePath

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Finance Fees and Charges

Finance Fees and Charges Finance Fees and Charges ANZ BUSINESS BANKING 28.10.2015 Contents Business Finance Loan Approval Fee 3 Credit Facility Fee 4 Loan Administration Charge 6 Renegotiation Fee 7 ANZ Business Select 7 ANZ Commercial

More information

CommSec Financial Services Guide

CommSec Financial Services Guide FINANCIAL SERVICES GUIDE 1 CommSec Financial Services Guide Issue Date 1 July 2015 YOU ARE WHAT YOU DO 2 FINANCIAL SERVICES GUIDE The provider of the services described in this Financial Services Guide

More information

ANZ Breakfree TERMS AND CONDITIONS

ANZ Breakfree TERMS AND CONDITIONS ANZ Breakfree TERMS AND CONDITIONS 11.2012 Contents Terms & Conditions 1 Defined Terms 3 2 Eligibility for the ANZ Breakfree Package 4 3 Substitution and Addition of Nominated Accounts 5 4 The ANZ Breakfree

More information

Taking a closer look at. anz@work. A smarter banking package

Taking a closer look at. anz@work. A smarter banking package Taking a closer look at anz@work A smarter banking package anz@work Welcome to anz@work a package available to you as an employee of a valued ANZ customer. You are invited to take advantage of the anz@work

More information

MANAGING YOUR MARGIN LOAN

MANAGING YOUR MARGIN LOAN MANAGING YOUR MARGIN LOAN YOU ARE WHAT YOU DO COMMSEC MARGIN LOAN i CONTENTS Managing your Margin Loan 2 Understanding your Margin Loan 2 What are the potential risks? 4 Successfully managing gearing

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Issue date: 11 May 2014 Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by the insurer, The Colonial

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

Switch your home loan... You ll be wrapped with $500 for switching!

Switch your home loan... You ll be wrapped with $500 for switching! Switch your home loan... You ll be wrapped with $500 for switching! Contents. Switch your home loan 03 Compare us to the banks and save! 04 Great interest rates 04 How to switch 07 We ve got your insurance

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

Personal Financial Charges for Home and Investment Property Loans. Effective 1 July 2011

Personal Financial Charges for Home and Investment Property Loans. Effective 1 July 2011 Personal Financial Charges for Home and Investment Property Loans Effective 1 July 2011 Loan Establishment Fees Home Smart Establishment Fees 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information

Get in touch. Personal banking support for your personal economy

Get in touch. Personal banking support for your personal economy Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide BOQ Specialist Transaction and Savings Accounts (with Overdraft) Combined Product Disclosure Statement

More information

Rehabilitation Assistance with Commlnsure. Income Protection

Rehabilitation Assistance with Commlnsure. Income Protection Rehabilitation Assistance with Commlnsure Income Protection Getting you back in business If you ve been out of action due to illness or injury, getting yourself back into the workforce can be a hard task

More information

COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE

COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE This document provides you with information to help you understand how we calculate your premium, the discounts that apply to each package option,

More information

Financial services guide

Financial services guide Financial services guide The Financial Services referred to in this guide are offered by: Dixon Advisory & Superannuation Services Ltd ABN 54 103 071 665 AFSL 231143 A hard copy of this document is available

More information

Income Protection and Total and Permanent Disability

Income Protection and Total and Permanent Disability Income Protection and Total and Permanent Disability Important information George s story and Leona s story are hypothetical stories and are included for illustrative purposes only. The names and identifying

More information

COMMINSURE LIFETIME INCOME ANNUITY.

COMMINSURE LIFETIME INCOME ANNUITY. COMMINSURE LIFETIME INCOME ANNUITY. A retirement income solution now with a Death Benefit Guarantee. A CommInsure Lifetime Income Annuity now offers even more comfort, protection and value with a Death

More information

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER.

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. Andrew has been our financial planner for 16 17 years. During this time Andrew s advice has always been very professional

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Effective 25 June 2014, this document updates the Sum m ary of incom e p ro t ect ion d if f erences in sid e an d

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Loan Account Fees and Charges

Loan Account Fees and Charges Loan Account Fees and Charges ABN 63 087 651 849 AFSL & Australian Credit Licence No. 246884 1 1 September 2015 Goldfields Money s Vision A Fair Cost for Banking Services Goldfields Money s vision is to

More information

Home Loan Customer Consent Pack

Home Loan Customer Consent Pack Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945 Home Loan Customer Consent Pack Purpose This document tells you about: why we collect your personal information and how

More information

Why would you want to consider insurance? We pay claims

Why would you want to consider insurance? We pay claims SMSF Plan CommInsure s SMSF Plan is a customised, easy to use product designed to offer SIS-aligned cover to SMSF trustees. This has the potential to reduce the compliance burden on trustees when selecting

More information

Personal Financial Charges for Home and Investment Property Loans. Effective 1 April 2016

Personal Financial Charges for Home and Investment Property Loans. Effective 1 April 2016 Personal Financial Charges for Home and Investment Property Loans Effective 1 April 2016 Loan Establishment Fees Home Smart Establishment Fee 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information

ADAPTABLE INSURANCE FOR LIFE. INSURANCE INSIDE SUPER. Case studies include the Total Care Plan Super Rollover discount (TCPS RD)

ADAPTABLE INSURANCE FOR LIFE. INSURANCE INSIDE SUPER. Case studies include the Total Care Plan Super Rollover discount (TCPS RD) ADAPTABLE INSURANCE FOR LIFE. INSURANCE INSIDE SUPER Case studies include the Rollover discount (TCPS RD) Adaptable insurance for life. s needs and budgets can change they move jobs, get married, have

More information

Financial Services Guide

Financial Services Guide Financial Services Guide You have the right to ask us about our charges, the type of advice we will give you, and what you can do if you have a complaint about our services. Important information is presented

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE ABOUT THIS FINANCIAL SERVICES GUIDE In this Financial Service Guide (FSG), when the terms We, Our or Us are used, it means ETRADE Australia Securities Ltd (ACN 078 174 973), ETRADE

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Commonwealth Bank of Australia Commonwealth Securities 1 July 2015

Commonwealth Bank of Australia Commonwealth Securities 1 July 2015 Commonwealth Bank of Australia Commonwealth Securities 1 July 2015 Contents The MyWealth Financial Services Guide comprises of the following two documents: Commonwealth Bank of Australia Financial Services

More information

Financial Services Guide 10.14

Financial Services Guide 10.14 Financial Services Guide 10.14 Introduction This Financial Services Guide is designed to assist you in deciding whether to use any of the financial services offered by Australia and New Zealand Banking

More information

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014 Terms and conditions BOQ Specialist Banking Package Dated November 2014 2 This page has been intentionally left blank Banking Package This document consists of PART A: Summary of banking package features

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

HOME INSURANCE. CAR INSURANCE.

HOME INSURANCE. CAR INSURANCE. HOME CAR WITH OUR INSURANCE YOU CAN BE READY FOR JUST ABOUT ANYTHING. Accidents, break-ins and extreme weather can happen at any time. But with the right insurance, you can be ready for just about anything.

More information

Rewarding you with instant member benefits. 1 July 2014. Enjoy more with HOSTPLUS extras

Rewarding you with instant member benefits. 1 July 2014. Enjoy more with HOSTPLUS extras Rewarding you with instant member benefits 1 July 2014 Enjoy more with HOSTPLUS extras Get the most out of your membership Just because we re focused on helping you save for the future, doesn t mean we

More information

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 22 November 2014 The following home loans are no longer available for new loans. Fee or Charge Description Professional

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide Transaction and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide

More information

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 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 1300 654

More information

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program Over $1,700 in total value and savings! TABIA Business and Personal Banking Program July 27, 2012 Program Overview RBC Royal Bank is pleased to provide TABIA members with a special banking program for

More information

AIA Vitality Premium Adjustment Rules

AIA Vitality Premium Adjustment Rules April 2015 AIA Vitality Premium Adjustment Rules Where the life insured under an eligible Priority Protection or Priority Protection for Platform Investors insurance policy (Policy) is a member of AIA

More information

The Navigator Platform

The Navigator Platform Navigator Adviser use only The Navigator Platform At a glance Preparation date: May 2013 This brochure is issued by, Navigator Australia Limited ABN 45 006 302 987 AFSL 236466. Navigator Australia Limited

More information

FINANCIAL SERVICES GUIDE PART 1

FINANCIAL SERVICES GUIDE PART 1 FINANCIAL SERVICES GUIDE PART 1 9 NOVEMBER 2015 This Financial Services Guide has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN 54 086 266 202

More information

clear Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement

clear Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement clear Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 12 January 2015 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit

More information

CommInsure Capital Adequacy Disclosure. Version 1 Dated: 30 June 2014

CommInsure Capital Adequacy Disclosure. Version 1 Dated: 30 June 2014 CommInsure Capital Adequacy Disclosure Version 1 Dated: 30 June 2014 CommInsure CommInsure is a registered business name under which the insurance companies in the Commonwealth Bank Group (the Group) conduct

More information

ANZ Margin Lending Integrated with E TRADE

ANZ Margin Lending Integrated with E TRADE ANZ Margin Lending Integrated with E TRADE The ANZ Margin Loan - Integrated with E TRADE What is margin lending? Benefits of gearing The ANZ Margin Loan is an integrated facility that allows you to trade

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this Guide is important to you This Guide explains the financial planning and credit services we provide, as well as giving you important information that will help

More information

BANK OF MELBOURNE PACKAGE. Terms and Conditions

BANK OF MELBOURNE PACKAGE. Terms and Conditions BANK OF MELBOURNE ADVANTAGE PACKAGE. Terms and Conditions Effective Date: 16 November 2015 Parts A, B and C of this booklet comprise the terms and conditions that apply to the package. Part A Summary of

More information

ANZ Mortgage Broker Distribution Online Supporting Document Kit

ANZ Mortgage Broker Distribution Online Supporting Document Kit Please fax to your state s Broker Unit: VIC, QLD, TAS, NSW, ACT, SA, NT Enquiries 1800 812 785 Fax 1300 139 968 WA Enquiries 1300 367 389 Fax 1300 369 891 Please complete entire application in BLOCK letters

More information

Fees & Charges. Effective 1 July 2015

Fees & Charges. Effective 1 July 2015 Effective 1 July 2015 Contains for Personal Transaction and Savings Accounts, Term Investment Accounts, Business Transaction and Savings Accounts, Loans and Access Facilities (including EFT Access Facilities).

More information

Example INSURANCE. CRITERIA AMP Flex Lifetime AustSafe HESTA. Insurer In-house CommInsure CommInsure. Types of cover available

Example INSURANCE. CRITERIA AMP Flex Lifetime AustSafe HESTA. Insurer In-house CommInsure CommInsure. Types of cover available Insurer In-house CommInsure CommInsure Types of cover available Death only Available to all members up to and including age 74 (renewable to age 98) Death & TPD Available to all members up to and including

More information

Key Person Income. A new insurance solution for small business

Key Person Income. A new insurance solution for small business Key Person Income A new insurance solution for small business A 50 year old male has a 46% chance of suffering a sickness or injury before age 65 that results in three or more months off work. 1 1. Source

More information

MARGIN LOAN APPLICATION FORM

MARGIN LOAN APPLICATION FORM MARGIN LOAN APPLICATION FORM EFFECTIVE DATE 21 FEBRUARY 2015 YOU ARE WHAT YOU DO HOW TO USE THIS FORM PLEASE USE CAPITAL LETTERS STEP 1 BEFORE YOU START THE COMMSEC MARGIN LOAN TERMS AND CONDITIONS (29

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending

More information

Insurance Financial Services Guide

Insurance Financial Services Guide Insurance Financial Services Guide Effective Date: 21 September 2013 About this guide. This is a Financial Services Guide (FSG) to help you decide whether to use any of the insurance services offered by

More information

Manage Your Cash, Manage Your Life

Manage Your Cash, Manage Your Life Manage Your Cash, Manage Your Life 1 Manage Your Cash, Manage Your Life A simple guide to effective cash flow management Contents The importance of Cash Flow Management 3 Get on top of your cash flow 4

More information

Aviation Cover. Income Protection

Aviation Cover. Income Protection Aviation Cover Income Protection B Important information This advice has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice,

More information

Financial Services Guide

Financial Services Guide Financial Guide Professional A member of The purpose of this Financial Guide (FSG) is to help you make an informed decision about the services we offer and whether they are suited appropriately to meet

More information

Important information:

Important information: SMSF insurance Important information: This document has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA).

More information

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 This update to the Plum Superannuation Fund Product Disclosure Statement is provided as a result

More information

MLC Insurance. Level premium Making your insurance more affordable long-term

MLC Insurance. Level premium Making your insurance more affordable long-term MLC Insurance Level premium Making your insurance more affordable long-term There are generally two ways to pay your premium. Which is best? When you take out insurance, there are generally two ways you

More information

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Your guide to everyday banking.

Your guide to everyday banking. Your guide to everyday banking. Reimagine the future, with Citigold. Citigold is the wealth management and premium banking service created for clients with over $100,000 invested through Citibank. Our

More information

Equity Finance Mortgage (EFM)

Equity Finance Mortgage (EFM) Introducing the award-winning Equity Finance Mortgage (EFM) Best New Product of the Year 2007 Best New Product of the Year 2008 What is an EFM? An Equity Finance Mortgage (EFM) is an award-winning home

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

Finance Fees and Charges. ANZ Business Banking

Finance Fees and Charges. ANZ Business Banking Finance Fees and Charges ANZ Business Banking February 2008 Contents Page Business Finance > Loan Approval Fee 1 > Credit Facility Fee 2 > Loan Administration Charge 3 > Renegotiation Fee 3 > ANZ Business

More information

ADVISER PROFILE PART 2 DREW WALDEN

ADVISER PROFILE PART 2 DREW WALDEN xcvxxxxzxxxxxxxxxxxxxxxxxxxxxcxxxxxxxxxxxx ADVISER PROFILE PART 2 DREW WALDEN Adviser Profile PART 2 created 18 02 2015 GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This document is Part 2 of the Financial

More information

Is a Cash Back Mortgage right for you?

Is a Cash Back Mortgage right for you? Is a Cash Back Mortgage right for you? Conditions and Disclosure Details ERCU CASH BACK MORTGAGE OVERVIEW Eagle River Credit Union offers cash back ranging from 1% to 5% of the total mortgage loan amount

More information

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are and

More information

Financial Services Guide. Bank of Melbourne Financial Planning

Financial Services Guide. Bank of Melbourne Financial Planning Financial Services Guide Bank of Melbourne Financial Planning Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence No. 233714 Australian

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this guide is important to you This Guide explains the services we provide, as well as giving you important information that will help you decide if you want to

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

Credit Facility Fee. Loan/Facility Type

Credit Facility Fee. Loan/Facility Type Credit Facility Fee The Credit Facility Fees described below apply and are payable in arrears, unless otherwise advised to you in writing by ANZ. Loan/Facility Type ANZ Business Overdraft The Credit Facility

More information

Home Insurance OneAnswer

Home Insurance OneAnswer Home Insurance OneAnswer Reach your financial goals sooner About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow

More information

Dimensional Short Term Fixed Interest Trust

Dimensional Short Term Fixed Interest Trust Dimensional Short Term Fixed Interest Trust PRODUCT DISCLOSURE STATEMENT Issued by DFA Australia Limited ( Dimensional ) ABN 46 065 937 671 APIR DFA0100AU Australian Financial Services Licence number:

More information