HOME LOANS TIME FOR. you first. always. A NEW CAR? AWARD WINNING. July 2014 VISA CREDIT CARD THAT OFFER YOU MORE

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1 you first. always. July 2014 facebook.com/mmpcu HOME LOANS THAT OFFER YOU MORE MORE SAVINGS WITH OUR AWARD WINNING VISA CREDIT CARD TIME FOR A NEW CAR? IN THIS EDITION: PIN to replace signature August 1 Sponsorships & Events Need Insurance? Win $10,000! Reliance Credit Union is a division of Maritime, Mining & Power Credit Union Ltd.

2 Our Home Loans Whether you are buying your first home or an investment property, looking to upgrade or refinance we have a home loan that is right for you. CHOICE We have a full range of home loan options to suit your needs. Owner occupier, investment, fixed, bridging, home equity and a fantastic All in One Rewards PACKAGE Home Loan. TRUST At your Credit Union we understand that any financial decision you make is a big one. As a customer owned banking institution we always put our members first. KNOWLEDGE Our lending specialists are fully accredited and have had many years experience helping out members just like you. We can talk you through the process of buying a home, answering your questions and giving you all the information you need. FLEXIBILITY Whether it s online, face to face, in the branch or over the phone it is our priority to make sure the entire home finance process is hassle-free, so you can actually enjoy buying or building your new home. So talk to one our loan specialists today or call us on , visit a branch or our website. Hunter Region Lee Sutherland Central Coast Mandy Howe Central West NSW Mark Haley Sydney/Central West John Williams Wollongong Luke Miller Sydney Mark Nestor North/Central QLD Diane Tralaggan Western Australia Emma Cain WE DO INVESTMENT PROPERTY HOME LOANS No ongoing account keeping fees Competitive low interest rates Free and unlimited redraw No penalty for early repayment Flexible repayments to suit you NEWS 2

3 Offer YOU More! The home loan process was extremely efficient. I needed to organise a valuation and loan approval before an auction and this was completed very quickly. My local branch was always happy to meet with me and discuss my options. I would definitely recommend my Credit Union to any first home buyer. They take the time to find the home loan that best suits you and to understand your personal goals. Lara Dunne MMPCU member since ALL IN ONE REWARDS PACKAGE 3 Interest Rate Discounts on new All in One Home Loans 4 3 Unlimited VISA, EFTPOS, ATM 1, branch deposit and withdrawals, phone banking and internet banking without incurring any fees 3 Cash Rebates for Insurance 2 3 No Annual Credit Card Fee % Offset Facility 3 Plus much more! 1. Third party access fees may apply when you use any non rediatm, Cashcard or NAB ATM or where they are imposed by a merchant. 2. Life Insurance is issued by Zurich Australia Limited ABN AFSL , all other insurance is issued by QBE Insurance (Australia) Limited ABN AFS Licence Before making a decision about your insurance needs please refer the Product Disclosure Statement available from our website. For insurance products the party to the Rewards package must be either a sole policy owner/holder or a joint policy owner/holder of the relevant insurance product. This discount cannot be used in conjunction with any other discount or promotional offer. The usual requirements for taking out an insurance product and the relevant policy terms and conditions for the product apply. This discount does not apply to any Consumer Credit Insurance that has been issued before the date that the Package has been set up. 3. The VISA Credit Card annual fee will be waived on one VISA Credit Card which must be in the name of any of the parties included in the Rewards Package. 4. The Rewards Package can be added to your current All-in-One home loan but only if you increase the amount of credit under the home loan by $100,000 or more. All In One Rewards Package Eligibility and Annual Fee: To be eligible for an All in One Rewards Package, you must hold an eligible home loan with us and pay a fee of $450 per year. Full details are contained in the All In One Rewards Package Conditions of Use. Fees charges, terms & conditions and lending criteria apply. Maritime, Mining & Power Credit Union Ltd ABN AFSL/Australian Credit Licence NEWS 3

4 SWITCH TO US AND SAVE! Our VISA Credit Card offers you the same low rate of % p.a. for cash advances as it does for purchases giving you BIG SAVINGS with NO STRINGS ATTACHED! MMPCU Low Rate VISA Credit Card. Great Benefits 3 Up to 55 days interest free on all purchases 3 No annual fee for the first year 3 Same low rate of 10.12% p.a. for all purchases and cash advances 3 VISA PayWave enabled 3 No additional card holder fee Winner of Mozo Experts Choice Awards Our low rate VISA Credit Card was a top 3 winner in the Mozo Experts Choice Awards for Mozo, one of Australia s biggest comparison websites, compared 203 credit cards on its database to find the cheapest credit card for cardholders with an ongoing revolving balance. So just don t take our word for it, the experts agree that our VISA Credit Card gives you exceptional value. 7.99% for the first 6 months on Purchases, Balance Transfers and Cash Advances Balance transfers are a good way to consolidate your debt and get back in control and save money on interest so you can reduce your debt sooner 3 Save money on interest repayments 3 You can reduce the amount of fees you have to pay if you are paying fees across a number of credit and store cards 3 Having one credit card and one repayment arrangement is easier than managing multiple card repayments More than just a low rate. Switch Today! NEWS 4

5 2014 MEMBER SURVEY RESULTS Over 93% of members surveyed rated your Credit Union Excellent for service Your Credit Union exists for the benefit of its members. To ensure we stay focussed on that goal, every 2 years an external organisation surveys a random cross section of the membership. It is very pleasing to report that since the 2012 Member Survey, your Credit Union has been successful in maintaining its overall performance rating at a very high 87% ( excellent ), with this strong performance rating being reflected equally across industrial and community memberships. Even more significantly your Credit Union has been able to increase its overall service rating by 3% to 93%, an extremely high service rating achieved in a survey of this type. This result reflects the continuing hard work and dedication of the staff but could not be achieved without the invaluable support of our loyal members, (80% of members have been with the Credit Union for over 10 years). In common with the national demographic, your Credit Union has however an aging membership with over 60% of the current membership age 55 or over. A strong focus of the Credit Union must be to attract younger members if it is to continue to provide a relevant customer owned banking alternative for future generations. Your Credit Union provides products and services that a younger demographic expects such as internet banking, mobile banking, and on line access and capability for all services including membership, cards, and loans. At the end of 2013 your Credit Union launched it s SmartBanking App, for Android and iphone, and over 3,000 members, almost 10% of the membership, have downloaded the App and continue to actively use this service. With an overall performance rating of 87% and an overall service rating of 93% it is clear that your Credit Union continues to provide exceptional benefit to members. With these results there is a good case to think that members would have no problems encouraging friends and family to become part of our Credit Union, take out loans with us rather than go elsewhere, and enjoy the superior and market leading performance and service that our Credit Union provides. Thank you to all those who took part in this year s Member Survey and for the kind comments about our service such positive feedback is always greatly appreciated by staff. Time for a CAR LOAN SPECIAL 8.66 % p.a % Comparison Rate Limited Time Offer # p.a. new car? CAR LOAN SPECIAL 3 Borrow from $10,000 to $80,000 3 Loan terms from 12 months to 10 Years 3 Free redraw facility 3 Available for new and second hand cars^ 3 Fast approval Apply today & put the wheels in motion! Interest rate is effective from the 1 July 2014 and subject to change without notice. Lending criteria apply together with fees, charges, terms and conditions. # Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. ^Car must be no more than 10 years old at the end of the loan term. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Maritime, Mining & Power Credit Union Ltd ABN AFSL/Australian Credit Licence MYNEWS 5

6 MEMBERTESTIMONIAL RAY HOWARD - Member since 1970 Ray has been a loyal member of the Credit Union since April 1970 and believes one of the best things to ever happen was the formation of the Credit Union. Ray joined the waterfront in 1954 and some of our members may know him by his nickname half a day Ray as he was well known for getting his work completed quickly. In his many years on the waterfront Ray also worked alongside Tas Bull who was our Credit Union Chairperson from 1984 to Retiring over 24 years ago, Ray still feels that our Credit Union looks after him today. Like many of our members he appreciates that he can always talk to someone at the Credit Union knowing that they are there for his benefit. The Credit Union is a part of the family Ray said. If any members would like to contact Ray please get in touch with Luke Miller, our Business Development Officer from our Port Kembla office on or lmiller@mmpcu.com.au WIN $10,000! Take out a new or renew your existing QBE MemberCare Home or Motor Policy before 31st December 2014 and go in the draw for your chance to win $10,000! Plus you ll also qualify for our MemberCare Rewards program* by registering at qbe.com.au/membercare Disclaimer: Terms and Conditions apply. Before making a decision about your insurance needs, please refer to the Product ABN AFS Competition authorised under NSW Permit Number LTPS/14/03559 ACT Permit Number 14/01732 SA Licence Number T14/815 VIC Permit Number 14/4138. Full competition terms and conditions available from qbe.com.au/membercare * Register for QBE MemberCare Rewards within 3 months of renewal/purchase to qualify. J5369 MYNEWS 6

7 SPONSORSHIP EVENTS Reliance Credit Union Rally Team Reliance Credit Union has been sponsoring the Reliance Credit Union Rally team for 3 seasons. The Reliance Credit Union Rally Team is a family affair with Ron Moore the driver, his wife Jo the navigator and father Doug providing support. Ron, Jo and Doug have been members of Reliance Credit Union since way back. Ron sells 4wd accessories and Jo works from home as a Family Day Care Educator. They have 3 kids Sarah 16, Michael 14 and Lachlan 12. Ron started rallying in 1991 in a Datsun 1600 (as more than 95% of Aussie Rally Drivers did), but only competed occasionally during each season due to lack of funds. For a few years Ron stopped rallying while the kids were younger then got back into it in 2011 in another V8 VY Commodore. Since then they have been having great fun and producing reasonable speed coming close to winning a few rallies over the past few years. This year Ron had the opportunity to step out of the Commodore, which is a crowd pleaser but also a handful and not the greatest car for gravel rallying, into a purpose built Mitsubishi Lancer Evolution VI. Good results are relative to the level of competition at each event on the day but it s all about the people and camaraderie plus the adrenalin rush and nature of the sport. The Reliance Credit Union Rally Team consists of a group of great friends who volunteer their time and efforts to keep them going. Bathurst Show Eugowra Sheep Dog Trials WA May Day Goldminers Basketball Bathurst Community Bus Oberon Football Club Melbourne Bowls Day OUR PARTNERS WHO ARE ALSO COMMITTED TO PUTTING YOU FIRST. ALWAYS. The industry super fund created by maritime workers for maritime workers Offering more benefits for our members than ever before... Low fees, profit-for-members philosophy Comprehensive super and retirement solutions Flexible investment options, including a fixed-term investment option Professional, personalised financial planning advice Maritime Super ABN (the Fund) Life s easier with Maritime Super Pty Limited ABN (the Trustee) s easier with AUSCOAL Super 70,000 of your mates can t be wrong! At AUSCOAL Super, we re about keeping things easy. Our friendly service combined with our range of personal financial solutions has been helping our members feel confident and satisfied since If making the most of your future, and your super, is on your mind, visit or call 1300 AUSCOAL ( ) AL Super Celebrating 70 years as the industry fund for Australia s mining community Things you should know: If you have a choice about whether to acquire, or continue to hold, this product you should first consider our Product Disclosure Statement available at or by contacting us. Issued by AUSCOAL Superannuation Pty Ltd ABN , AFSL , Trustee for the AUSCOAL Superannuation Fund ABN NEWS 7

8 MEMBER NOTICEBOARD How to minimise/avoid fees and charges Below are some tips to help make managing your fees a whole lot easier. Use your VISA Debit card and press the credit or CR button. This is processed as a FREE VISA transaction and does not count towards your transaction total. When you make an EFTPOS transaction, withdraw cash at the same time. This counts as only one transaction. Make fewer, but larger cash withdrawals. Use our SmartBanking App, internet, phone or mobile banking. Use Bpay to pay bills, save on fees and avoid the queues. Use ATMs wisely and sparingly. Make sure you have sufficient funds to cover withdrawals. Over the counter withdrawals at branches are free (except for business members). Where to find our current Interest Rates Our current Interest Rates and Comparison Rates can be found on our website, alternatively you can call give us a call or come into a branch. Updating your address or other contact details If you have recently changed address or any other contact details, please call us or log on to your internet banking to make the change online. Use our Direct Charge FEE FREE ATMs Access to over 8,400 rediatm, Cashcard ATM or NAB ATMs Australia wide where you will not pay the Direct Charge Fee to withdraw your money! PIN to replace signature From 1 August 2014 you will be required to use a PIN for all in store transactions above $100. For transactions less than $100 you still have the option of using PayWave where available. This change is part of an Australian industry initiative to replace signature with PIN. The move to PIN is an added security measure which is expected to help minimise fraud in the event of a lost or stolen card, making it harder for fraudsters to gain access to your accounts. Do you know your PIN? Have you forgotten or misplaced you pin? To have a new PIN reissued or reset please visit your nearest branch and use our PIN change machine to change your PIN to a combination that suits you. If you aren t able to visit a branch before 1 August 2014, please contact us. We may need to order you a new card with a new PIN to ensure you re ready for the changeover. mmpcu.com.au reliance.com.au MMPCU Maritime, Mining & Power Credit Union Ltd. ABN , AFSL/Australian Credit Licence MMPCU, like all Australian major banks, is an Authorised Deposit-taking Institution (ADI) under the Commonwealth Banking Act and is subject to close supervision by the Australian Prudential Regulatory Authority (APRA). This means MMPCU must meet the same strict prudential standards on capital, liquidity and risk that apply to all banks. For all loans, terms and conditions, fees and charges and approval criteria apply. A Conditions of Use (COU) is available at our offices / branches / website. We will give you one on application. Any advice in this brochure has not considered your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the COU in deciding whether to use any product. All information in this issue of My News was correct as at 1 July 2014, and is subject to change. Reliance Credit Union is a division of Maritime, Mining & Power Credit Union Ltd. NEWS 8