eco smart WHY NOT CHOOSE AN GREEN LOAN? Product Information Brochure a refreshing attitude to banking EFFECTIVE FROM 31 JULY 2012

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1 WHY NOT CHOOSE AN eco smart GREEN LOAN? Product Information Brochure EFFECTIVE FROM 31 JULY 2012 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION ECO SMART GREEN LOAN 1

2 Our eco smart green loan is designed to reward you for making environmentally friendly choices and enabling you to reduce your carbon footprint around the home. Queensland Country wants to help you and the environment by making it easier to purchase environmentally friendly products such as Photovoltaic (PV) panels and systems, Rainwater Storage Tanks, Greywater Treatment Systems, Roof Insulation, Solar Hot Water System, LED lighting and Eco lighting and or installation and Invertor Air conditioners and or installation. We offer discounted interest rates and no upfront or ongoing fees, so it makes it easier and cheaper for you to make environmentally friendly decisions.

3 Eco smart green loan Queensland Country has decided to introduce a new product designed to allow home owners to improve the environmental sustainability of their home. This is a great opportunity to make some positive steps to reduce your family s carbon footprint. Every small step in the right direction will help speed up the journey to combat climate change. Here is a quick glance at our eco smart green loan: Interest Rate Type Loan Establishment Fee Monthly Loan Maintenance Fee Deposit Required Term of Loan Variable# Min of 1 year up to a max of 5 years Borrowing Amount Min of $3000 up to a max of $20,000 Ability to make additional repayments Repayment options Early Payout Fees Loan pre-approval option Approval time Yes Weekly, Fortnightly or Monthly Yes Generally hours from application # For more information on eco smart green loan interest rates, please refer to or request a copy of our loan interest rates schedule from any of our branches. What items can you purchase using our eco smart green loan? Eligible items include: Photovoltaic (PV) panels and systems Rainwater Storage Tanks Greywater Treatment System Roof Insulation Solar Hot Water System LED lighting and Eco lighting and or installation* Invertor Air conditioners and or installation* Other eco friendly items may be considered and will be subject to approval * installation must be carried out by a fully qualified licenced electrician if loan proceeds are being used for installation costs QUEENSLAND COUNTRY CREDIT UNION ECO SMART GREEN LOAN 1

4 Are there any conditions for the eco smart green loan? This loan is available for personal purposes only. All loan proceeds will be disbursed on an eligible invoice which states the exact items being purchased and or installed and will be paid to the company carrying out those works. Who is eligible for this type of loan? This loan is only available to Members of Queensland Country. Members must be over the age of 18, must be permanent residents of Australia and currently live in Australia. Do I need to provide security in order to take out an eco smart green loan? All applications are individually assessed and are subject to Queensland Country s normal credit criteria. If security is deemed a requirement for your application s approval, then the eco smart green loan is not the correct loan for you. Depending on what type of security you are able to provide, you may be better suited to one of our secured personal loans or one of our home loan products. If security is required, one of our friendly staff will contact you to discuss your options and advise you of any other Queensland Country products we offer that may assist you with your goal. If you would like any further information on our personal loan products or home loan products, please contact your nearest branch or visit our website How do I apply for an eco smart green loan? There are several ways in which you can apply: Complete an application form (see back of brochure or download and print from our website) and return in person to your local branch, or fax it to our CU Direct Team on (07) , or mail it to us at PO Box 679, Aitkenvale, QLD Information required with application for eco smart green loan: Proof of Income Eg: payslips that cover at least 6 weeks or if self employed last 3 years tax returns and profit & loss Salary Sacrifice Statements Proof of rental income Most recent Rates notice Most recent statement of all current loans and liabilities (eg. Credit cards, store cards car, personal or home loans) Copy of Invoice or quote for work being completed Your drivers Licence. Did you know we also offer eco smart car loans? If you are purchasing a new car that achieves a Greenhouse Rating of 6.5 or higher (search for your new car on www. greenvehicleguide.gov.au), you may qualify for one of our eco smart car loans. If you would find out more about eco smart car loans, please check them out on our website or ask for our personal loan product information brochure which is available at any branch. In person at any of our branches Apply online through our website 2 QUEENSLAND COUNTRY CREDIT UNION ECO SMART GREEN LOAN

5 If you have a complaint Internal complaints resolution Queensland Country Credit Union Limited has an internal complaints resolution scheme which has been established to resolve any complaints about our products and services or the complaints handling process itself, where a response or resolution is expected. Any complaint you may have concerning Queensland Country or its authorised representatives should be directed to us. If the person you are dealing with cannot resolve the issue, please ask to speak with their manager. If the issue is still not resolved, we encourage you to complete a tification of Complaint form, available at any Queensland Country branch, although such notification is not required to be provided in writing. Queensland Country is committed to resolving complaints in a timely manner and will endeavour to provide a satisfactory resolution immediately upon receipt of the complaint. Where we are unable to resolve your complaint within 24 hours of receipt, we will contact you to advise the procedures that will be followed in responding to your complaint. Depending on the nature of your complaint this communication will be either in writing or by telephone and will occur within three days of receiving the initial complaint. We will communicate with you throughout the complaint handling process. This will include a written response provided to you within 21 days of receiving your complaint. The purpose of this correspondence is to advise you of the final outcome, or if a final response cannot be made at this time, the reasons for the delay. External complaints resolution If we have made a formal proposal to resolve your complaint and you have told us that the proposal is not acceptable to you; or at least 45 days has elapsed since you made your complaint (whichever occurs sooner), you are entitled to have your complaint resolved free of charge by the Credit Ombudsman Service Limited (COSL) ABN This is an external dispute resolution scheme of which Queensland Country is a member. We will provide you with information on how you may access this scheme. If you have any complaints or disputes concerning the services provided by third parties or our business partners (including insurers or service providers) we encourage you to make enquiries direct with these third parties. Please contact us direct if you have any problems with the handling of third party complaints. QUEENSLAND COUNTRY CREDIT UNION ECO SMART GREEN LOAN 3

6 Important information Loan applications are subject to Queensland Country s normal eligibility criteria and approval. Fees and Charges are payable. Full terms and conditions will be included in the loan offer. Read with This document is to be read in conjunction with: Fees and Charges Brochure, Credit Guide, Financial Services Guide, Loans Interest Rate Schedule How to contact us If you have any questions or need more information, please contact us by: Branch Visit our website for a listing of all our branches. Post PO Box 679 Aitkenvale Qld 4814 Website info@qccu.com.au BSB Queensland Country Credit Union QCD V Queensland Country Credit Union Limited ABN AFSL/Australian Credit Licence