Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia Credit Licece No. 240018. 25 Pelica Street, Surry Hills NSW 2010. Customs Bak is a divisio of Police Bak Ltd. All terms ad coditios that apply to Police Bak also apply to Customs Bak.
Fiacial Services Guide TABLE OF CONTENTS 1. Our Fiacial Services Guide 2 2. About Your Fiacial Services Guide 5 3. Basic Bakig Products Summaries 6 3.1 Savigs Accouts 6 3.2 Paymet Facilities 7 3.3 Ivestmet Accouts 8 Product Profiles (Your Basic Bakig Products at a Glace) 9 4. Membership 12 5. Geeral Terms & Coditios 14 5.1 Authorised Sigatories 14 5.2 Joit Accouts 15 5.3 Makig Deposits 17 5.4 Makig Withdrawals 22 5.5 Makig Paymets 26 5.6 Paymet Order to Loas 29 5.7 About your Accouts - Overdrawig, Accout Statemets, Paymet Authority / Accout Combiatio ad Accout Closure 29 5.8 Edvest ad Reduced Fees Program 32 5.9 Chages 33 6. Privacy, Complaits, Iformatio ad Compliace 34 7. Specific Terms & Coditios 35 7.1 Savigs Accouts 35 7.2 Ivestmet Accouts 36 7.3 Paymet Facilities 36 7.4 Fees ad Charges 37 8. Fiacial Hardship Assistace 37 Fiacial Services Guide Page 1
Fiacial Services Guide 1. OUR FINANCIAL SERVICES GUIDE This Fiacial Services Guide (FSG) is desiged to help you decide whether to use our products ad services. The FSG cotais iformatio o: Product details ad advice; Our products ad services; Our busiess parters ad commissios; Our fees ad other rewards; What to do if you have a complait; How to cotact us. This documet should be read i cojuctio with our Schedule of Fees ad Charges brochure (available o our website, at our Service Cetres ad upo request). PRODUCT DETAILS Our Fiacial Services Guide (FSG) is desiged to give you iformatio you eed to make decisios about our products. You will receive a Product Disclosure Statemet (PDS) which serves the same purpose for isurace products icludig your policy terms ad coditios. Terms ad coditios will also be provided to you before takig out other products icludig Home Loas, Persoal Loas, Car Loas, Credit Card ad Overdraft Facilities. OUR PRODUCTS AND SERVICES We are licesed by the Australia Securities ad Ivestmets Commissio to advise o ad deal i a rage of products: Savigs Accouts: basic S1 Easy Access savigs accout ad other specialist accouts; Paymet Services: Direct Debit, Periodic Paymets, Redidial, Visa Debit Card, BPAY ad Iteret Bakig. Ivestmet Accouts: from 3 moths to 60 moths; Isurace: geeral isurace (home/cotets, travel, ladlord, motor vehicle) ad cosumer credit (loa repaymet) isurace. We are the product issuer for all products other tha isurace products. OUR CREDIT FACILITIES We also provide a rage of credit facilities. Please refer to our separate product brochures for further iformatio. Fiacial Services Guide Page 2
OUR BUSINESS PARTNERS AND COMMISSIONS Isurace Isurer Product Commissio Per Policy Alliaz Australia Motor Prestige Isurace 10% Isurace Ltd Marie & Carava Vehicle Isurace Alliaz Australia Motor Classic Vehicle Isurace 5% Isurace Ltd (CTP) Greeslip 5% Alliaz Australia Home & Cotets Isurace 18% Isurace Ltd Ladlords Isurace Alliaz Australia# Travel Isurace 30% Isurace Ltd Alliaz Australia Life Isurace 20% Life Isurace Limited~ AIG Australia Persoal Ijury Cover 20% of premium QBE Isurace Credit Protect Isurace 20% (Australia) Mortgage Protect Isurace Limited Group* Cotiuig Credit Isurace St Adrews Term Life ad Accidetal 20% Isurace Death Isurace #We have bee authorised by the licesee AGA Assistace Australia Pty Limited AFSL 245631, a compay of the Alliaz Global Assistace Group, to arrage travel isurace which is uderwritte by Alliaz Australia Isurace Limited AFSL 234708. ~ Isurace is uderwritte by Alliaz Australia Life Isurace Limited ABN 27 076 033 782, AFS Licese No. 296559 (Alliaz Life). We receive up to 20% commissio based o the premium paid for each policy, ad up to 10% for reewals. * We ca issue, vary, reew or cacel Cosumer Credit isurace policies o behalf of QBE Isurace (Australia) Limited. ABN: 78 003 191 035 AFSL: 239545 ad QBE Life (Australia) Limited. ABN: 83 089 981 073 AFSL: 245492 uder a bider authority, ad receive up to 20% commissio based o the premium paid for each policy. Paymet Services Travelex Ltd We provide foreig currecy through Travelex Ltd. We receive commissio equal to 1% to the value issued to you iclusive of GST ($10.00 miimum). Please refer to Schedule of Fees ad Charges brochure for more iformatio. Paymet Services Wester Uio Busiess Solutios We provide Drafts, Telegraphic Trasfers, Iteratioal Iward Fuds ad Iteratioal Cheque Deposits through Wester Uio Busiess Solutios. Refer to the Schedule of Fees ad Charges brochure for more iformatio. Please ote that Fiacial Services Guide Page 3
Fiacial Services Guide Telegraphic Trasfers are set via a etwork of correspodet baks, which sometimes levy a small hadlig charge o your paymet. Ay such fees, ad paymet delays are out of our cotrol. Wester Uio (Irelad) Limited We provide Wester Uio Moey i Miutes through Wester Uio Network (Irelad) Limited. We receive commissio equal to 20% of the seder fee received o trasactios both set ad paid at a Police Bak Service Cetre, ad a 20% share of ay et foreig exchage gais eared o trasactios performed by Police Bak. Please refer to the Schedule of Fees ad Charges brochure for more iformatio o fees, ad refer to our website to obtai the full product Terms ad Coditios. Access Pre-Paid Australia Pty Ltd We provide Cash Passport through Access Pre-Paid Australia Pty Ltd. We receive commissio equal to 1% to the value issued to you iclusive of GST ($10.00 miimum). Please refer to the Schedule of Fees ad Charges brochure for more iformatio BPAY We receive commissio from BPAY o Visa credit trasactios of.27% dollar value of each trasactio plus $0.32 of the paymet per trasactio ad o debit trasactios we receive $0.44 paymet per trasactio. For each idividual BPAY View trasactio we receive a delivery fee of $0.04. Bridges Fiacial Services We may receive referral commissio ragig from 0% to 30% of ay fee you pay to Bridges Fiacial Services Pty Ltd plus a icetive paymet (which will ot icrease the amout you pay Bridges or us). Staff may receive a icetive (worth up to $50) if they refer you to Bridges ad you take out a fiacial pla. Visa We also receive commissio from Visa Iteratioal o card trasactios i the rage of.12% to.57% of the relevat trasactio amout. Who we act for ad whe we are paid Whe providig these products to you we are actig o behalf of our busiess parters ad ot as your aget. All commissios are paid to us by our busiess parters whe you take out or use the product or service. The Bak, as a mutual orgaisatio, is boud to act i the iterest of its Members. Our Members are our owers. We provide good value products ad services to Members. We usually oly have oe provider of each product or service as set out i this FSG. Commissio icome ad staff icetives are desiged to serve Members by promotig Member satisfactio ad commercial viability - they should ever udermie the quality of the advice ad service we provide. Fiacial Services Guide Page 4
OUR FEES AND OTHER REWARDS We charge the service fees applicable to our products ad services as set out i our Schedule of Fees ad Charges brochure (available o our website, at our Service Cetres ad upo request). We pay staff a salary ad ru icetive schemes liked to sales of isurace, loas or other products. Staff may the receive, as a small proportio of overall remueratio, a mothly bous or a occasioal o-moetary beefit such as a pre-paid holiday or gift voucher. WHAT TO DO IF YOU HAVE A COMPLAINT Firstly, cotact a Member Service Officer (see back page for cotact details). If you eed further assistace, you ca use our iteral dispute resolutio service (see our Complaits Hadlig & Dispute Resolutio Guide for details). We also belog to the Exteral Dispute Cetre - Fiacial Ombudsma Service Limited (FOS). This way, if we caot resolve your dispute with us, you ca have the matter determied idepedetly by FOS. 2. ABOUT YOUR FINANCIAL SERVICES GUIDE SAVINGS, INVESTMENT ACCOUNTS AND PAYMENT FACILITIES Your Fiacial Services Guide is desiged to help you make a iformed decisio o whether to use our products. It icludes product iformatio ad terms ad coditios. You should also read our: Product brochure icludig a product summary ad terms ad coditios (this documet); Schedule of Fees ad Charges detailig costs related to each product ad service; Iterest Rate Brochure listig curret rates for savigs ad ivestmet products. You will also receive Access Methods Terms ad Coditios for BPAY, Redidial, Iteret Bakig, Visa Debit Card, Redicard ad Member Chequig. Details o our rules, costitutio ad how to joi are available o request. MEMBER CARE STATEMENT Please read the Terms ad Coditios for our products carefully before makig decisios. Always retai a copy of the Terms ad Coditios or a FSG for future referece. Each relevat provisio of the Customer Owed Bakig Code of Practice will apply to your accouts ad paymet facilities. These Terms ad Coditios eed to be read with other applicable terms ad coditios of use for specific products ad Fiacial Services Guide Page 5
Fiacial Services Guide the relevat codes that apply. If you are i ay doubt, please call us o 131 728 ad talk to oe of our Member Services Officers. OUR IDENTITY We are a Mutual Bak. Our cetral goverig documet is our Costitutio which sets out our major rules that gover how we operate as a Bak. We are a Member of Cuscal Limited. We are also a corporatio ad as such, we are subject to the Corporatios Act ad regulated by the Australia Securities ad Ivestmet Commissio (ASIC) alog with the Australia Prudetial Regulatio Authority (APRA). As a Mutual, we have adopted the Customer Owed Bakig Code of Practice (COBCOP) as a set of stadards or promises that relates to all our dealigs with you. For more iformatio about COBCOP - please visit our website www.policebak.com. au (www.customsbak.com.au for Customs Bak Members). OTHER IMPORTANT INFORMATION You ca cofirm the opeig or closig of ay accout or paymet facility by callig us o 131 728 ad requestig writte cofirmatio. 3. BASIC BANKING PRODUCTS SUMMARIES 3.1 SAVINGS ACCOUNTS Our Savigs Accouts are desiged to cater for all your access ad trasactio eeds. You ca choose oe accout for all your eeds or use a combiatio of accouts for budgetig ad cash maagemet. Product Beefits Your S1 accout is a basic trasactio accout; You ca use all of our paymet facilities o your S1 accout icludig debit card, cheques, Iteret Bakig, Phoe Bakig ad Bak@Post; We have special purpose accouts to help you budget ad make bill paymets; We have other accouts that provide higher rates of iterest plus at call access to your fuds eg. our Olie SuperSaver Accout ad Bous Saver Accout; Iterest is calculated daily ad paid to your accout twice yearly o most accouts; Please see our Iterest Rate Brochure for details o curret iterest rates for each accout. Fees ad Charges No mothly or aual accout keepig fees apply; Trasactio fees may apply to your paymet facilities ad other services. Trasactio charges i excess of Fiacial Services Guide Page 6
ay mothly allowaces beefit will be debited to your accout o the last day of the moth i which the fees were icurred; Reduced Fees Program - you ca miimise (or eve avoid) trasactio fees ad charges, (see our Schedule of Fees ad Charges ad the Reduced Fees Program brochure for details); A Dormacy Fee applies if you do ot use a accout for 3 years (see our Schedule of Fees ad Charges for details). Thigs to Remember Your moey ears a lower rate of iterest i a savigs accout tha i a term deposit; Market iterest rates may rise or fall for each of these savigs accout products; Withdrawal ad deposit restrictios apply to some higher iterest bearig accouts. See our Product Profiles (page 9-10) for more details o your Savigs Accouts; Olie SuperSaver Accouts ca oly be operated via Iteret Bakig ad Redidial Telephoe Bakig. 3.2 PAYMENT FACILITIES We have a rage of paymet facilities to help you with your bill paymets, icome ad other paymet eeds: Visa Debit Card - a debit card you ca use for cash withdrawals ad EFTPOS trasactios*; Redicard - a debit card you ca use for cash withdrawals ad EFTPOS trasactios*; Iteret bakig- givig you iteret access to your accout iformatio ad paymet facilities*; Redidial - our phoe bakig service offerig access to your accout iformatio ad paymet facilities*; Direct Debit - the facility to make direct debit paymets o your savigs accouts; Periodical Paymet - the facility to make set periodical paymets; Direct Trasfer - a oce oly electroic fuds trasfer; Direct Credit - for your wages or other icome from your employer or other payer; Cheque Facility - givig you the coveiece of cheque book paymets*; BPAY - for your bill paymets with access to the BPAY system*. PayAyoe - our facility that allows you to make paymets to a mobile umber or email address*. * For these products Access Methods Terms ad Coditios will be provided o applicatio or request. Fiacial Services Guide Page 7
Fiacial Services Guide You ca establish ay paymet facility o your S1 accout. You ca set up some paymet facilities o other accouts. Fees ad Charges Trasactio fees may apply to your paymet facilities ad other services; Fees may also apply where you have a paymet dishooured or request a stop paymet; We are also paid commissio o BPAY ad Visa trasactios; See our Schedule of Fees ad Charges for details; Third parties may also impose a surcharge o electroic trasactios. Thigs to Remember Always maitai sufficiet fuds i your accouts to cover paymets you wish to make; Redicard ad Visa debit card facilities have set electroic limits to a maximum of $1000 per day per card; Always protect your PIN for Visa or Redicards ad passwords for Iteret Bakig ad Redidial. Do ot reveal PINs or passwords to ayoe; Always report ay breach of security or misuse of a paymet service by callig us immediately o 131 728; If you ureasoably delay otifyig us, your possible loss as a result of uauthorised trasactios o your accout(s) may icrease; If ot properly safeguarded, your Member cheques may be the subject of uauthorised use or alteratio for which you may be liable; Although we take all precautios with respect to electroic trasactios, the security of electroic fuds trasfer trasactios ca ever be guarateed (particularly i electroic mediums such as the iteret, there is always a risk of iterceptio of data by a rogue or hacker); See our Product Profiles (page 9-10) for more details o your Paymet Facilities. 3.3 INVESTMENT ACCOUNTS We have a rage of ivestmet accouts to ear you iterest o your savigs at a fixed rate over a rage of terms to suit you. If you wat regular icome, we ca pay you iterest fortightly or mothly. Other accouts pay you iterest quarterly, twice yearly, yearly or o maturity; We have a wide rage of accouts - so it s up to you to choose the oe that suits your eeds; Our Edvest rage (available to Members who are 45 years or over) ca offer you a higher rate of iterest ad more regular iterest paymets. Fiacial Services Guide Page 8
Product Profiles - Savigs Accouts ad Paymet Facilities Savigs Accouts S1 Easy Access S2 Budget Maager S3 Christmas Club S5 Pesio Maximiser S6 Isurace Saver S8 Olie SuperSaver S10 Savigs Plus S11 Safeguard S15 Market Liked S17 Retiremet Plus S21 Edvest Redifud Plus S23 Bous Saver S24 Dyamo Accout S26 Mortgage Offset Your Savigs Accout Features Your day to day savigs accout for all your basic bakig eeds. Your fuds are at call ad ear daily iterest. You ca access your moey by card or cheque, set up bill paymets ad use iteret or phoe bakig. This is a special purpose savigs accout to help you set aside moey for purchases, bills or holidays. Your fuds are at call ad ear daily iterest. You ca set up bill paymets ad direct etries ad use iteret ad phoe bakig o this accout. This is a higher iterest earig savigs accout to help you fiace your Christmas spedig. Iteret ad phoe bakig are available o this accout. A accout desiged for pesioers ad retirees. This is a special purpose savigs accout you ca use to set aside moey for isurace paymets. Iteret ad phoe bakig are available. Direct debits ca be set up for your paymets. Do all your bakig olie. This savigs accout allows you to coduct all your bakig olie ad ear a higher rate of iterest. You ca use this high iterest rate savigs accout to ear more o your moey. You still have at call access to your moey. However, you do ot have debit card access to your fuds. Iteret ad phoe bakig services available o this accout. This is a special purpose savigs accout to help you avoid exceptio fees such as Overdraw Service fee ad Dishoour fees. Your fuds are at call ad ear daily iterest. You ca set up bill paymets ad direct etries ad use iteret ad phoe bakig o this accout. A Redicard is available to access your fuds. This is our top iterest bearig savigs accout (o-edvest). Miimum balace, deposit ad withdrawal limits apply. You do ot have debit card access to your fuds. Iteret ad phoe bakig services are available o this accout. A accout desiged for pesioers ad retirees. Edvest Members (Over 45yrs) ejoy a bous rate above our S15 Market Liked Accout. Miimum balace, deposit ad withdrawal limits apply. Iterest is paid Quarterly. You do ot have debit card access to your fuds. Iteret ad phoe bakig services are available o this accout. This is a special purpose savigs accout created to eable you to ear extra iterest if you do ot withdraw fuds. Fuds are available at call. You ca use Iteret ad Redidial Phoe Bakig o the accout. This is a special purpose childre s savigs accout created to eable childre to ear extra iterest if they do ot withdraw fuds. Fuds are available at call. You ca use Iteret ad Redidial Phoe Bakig o the accout. This is a special purpose savigs accout created to help reduce the iterest you pay o your mortgage. Fuds are available at call. You ca set up bill paymets ad use iteret ad phoe bakig o this accout. Miimum Balace $0 $0 $0 $0 $0 $0 $0 $0 $5,000 $0 $5,000 $100 $0 $0 Whe we pay you iterest Twice a year: o 30/6 ad 31/12 Twice a year: o 30/6 ad 31/12 Oce a year: o 31/10 uless you close your accout early, whe we will pay iterest o the day you close your accout. Twice a year: o 30/6 ad 31/12 Twice a year: o 30/6 ad 31/12 Quarterly: o 31/3, 30/6, 30/9 ad 31/12 each year Twice a year: o 30/6 ad 31/12 Twice a year: o 30/6 ad 31/12 Twice a year: o 30/6 ad 31/12 Twice a year: o 30/6 ad 31/12 Quarterly: o 31/3, 30/6, 30/9 ad 31/12 each year Mothly. Bous Iterest rate applies if o withdrawals ad a miimum deposit of $100 are made withi a moth Mothly. Bous Iterest rate applies if o withdrawals ad a miimum deposit of $20 are made withi a moth Accessig your moey, makig paymets ad accout iformatio Visa Card 3 Redicard 3 3 Iteret Bakig 3 3 3 3 3 3 3 3 3 3 3 3 3 Redidial 3 3 3 3 3 3 3 3 3 3 3 3 3 Direct Debit 3 3 3 3 isurace oly 3 3 3 3 3 3 Periodical Paymet 3 3 3 3 3 3 3 3 3 3 Electroic Trasfer 3 3 3 3 3 3 3 3 3 3 3 Direct Credit 3 3 3 3 3 3 3 3 3 3 3 3 3 Overdraft 3 Cheque Facility 3 BPAY 3 3 3 3 3 3 3 3 3 ATM/Eftpos 3 3 Bak@Post 3 3 Special Coditios Withdrawals made durig the period 1/1 to 31/10 each year are subject to a withdrawal fee. This accout is oly available to Idividual Members. No busiess accouts are allowed for this product. This accout is oly available for the paymet of isurace premiums. Accessible oly through iteret bakig ad Redidial. No card or cheque access. This accout is ot available for busiess accouts, oly idividual members. Direct Debits, Member Chequig ad Visa Cards are ot available for this product. Accout ca ot become overdraw at ay time. The miimum deposit ad withdrawal amout is $500. No withdrawals are allowed for up to 7 days after deposit. This accout is oly available to Idividual Members. No busiess accouts are allowed for this product. Oly available to Edvest Members. The miimum deposit ad withdrawal amout is $500. No withdrawals are allowed for up to 7 days after deposit. Miimum of $100 to be deposited each moth i order to achieve bous iterest. If a withdrawal is made i a moth the o bous iterest will be paid. Miimum of $20 to be deposited each moth i order to achieve bous iterest. If a withdrawal is made i a moth the o bous iterest will be paid. The accout will automatically trasfer to a Bous Saver Accout (S23) whe the member turs 18 years. No iterest is payable for this product Oly available with omiated home loas with us. Fiacial Services Guide Page 9
Product Profiles - Ivestmet Accouts Term Deposits I1 I2 I3 I5 I10 I12 I24 I25 I29 I31 I32 I33 I52 I53 I54 I55 Legth of Term (moths) 3 3 3 3 6 12 12 6 24 36 48 60 24 36 48 60 Miimum ad Maximum Deposit ($) 1,000 9,999 1,000 9,999 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 Product Features for Ivestmet Accouts - all Members We have desiged a rage of Ivestmet Accouts to allow you to choose the term, iterest rate ad iterest paymet frequecy that suits you. You ca choose to have iterest paid mothly, twice a year, aually or simply at the ed of the term (at maturity). Iterest rates are fixed over the term of your deposit. For iterest rates for ew deposits see our Iterest Rates Brochure available at all Braches ad o our website. No fees are payable o ay Ivestmet accouts. Please ote: Ivestmets of over $200,000 are accepted subject to cofirmatio. Whe we pay you iterest At maturity 3 3 3 3 Mothly 3 3 3 3 3 3 3 3 Aually 3 Six mothly 3 3 3 3 Thigs you should kow about Ivestmet Accouts How would you like iterest to be paid? We ca pay you your iterest by trasfer to a exteral accout or paymet to a Police Bak accout omiated by you. If we pay you iterest at maturity, we ca also pay iterest by re-ivestig with a further deposit. Reduced Iterest - If you withdraw your deposit before the ed of the agreed term, the we will pay a reduced rate of iterest from the date of deposit to the date of withdrawal. Please ote: if we have paid you iterest durig the term ad that amout exceeds the reduced iterest payable, the we will deduct the differece from your deposit. Edvest Term Deposits I4 I22 I23 I45 I46 I47 I48 I49 I51 I58 Legth of Term (moths) 3 12 6 6 12 18 24 36 3 24 Miimum ad Maximum Deposit ($) 10,000 1,000 1,000 5,000 5,000 5,000 5,000 5,000 1,000 10,000 Product Features for Edvest Accouts - for eligible members 45 years ad over We have desiged a rage of Ivestmet Accouts to allow you to choose the term, iterest rate ad iterest paymet frequecy that suits you. You ca choose to have iterest paid fortightly, twice a year, aually or simply at the ed of the term (at maturity). Iterest rates are fixed over the term of your deposit. For iterest rates for ew deposits see our Iterest Rates Brochure available at all Braches ad the Bak s website. No fees are payable o ay Edvest Ivestmet Accouts. Please ote: Ivestmets of over $200,000 are accepted subject to cofirmatio. Whe we pay you iterest At maturity 3 3 3 3 Aually 3 Six mothly 3 Fortightly 3 3 3 3 3 Fiacial Services Guide Page 10
Ivestmet Accouts We offer ivestmet term deposits from 3 moths to 60 moths; Miimum deposit balace ad term requiremets apply. Iterest Rates We offer differet rates of iterest for each ivestmet accout; Geerally, the loger the term you choose, the higher the rate of iterest we pay; We also have targeted short-term accouts with high rates of iterest; Please see our Iterest Rate Brochure for details. Product Beefits Your iterest rate is fixed for the term of the ivestmet accout; There are o accout keepig fees payable o ay ivestmet accout products; Iterest is calculated daily ad paid at maturity or durig the term as you choose. Thigs to Remember Market iterest rates may rise or fall over the term of the ivestmet. This should be take ito cosideratio ad ca affect the rate you receive if you roll-over your ivestmet; If you withdraw your ivestmet before the ed of the term, you will be paid a reduced rate of iterest; The amout o deposit i a Ivestmet Accout ca oly be icreased o Maturity. See our Product Profiles (page 10) for more details o your Ivestmet Accouts. We will offer Special Ivestmet Accouts from time to time. Refer to the curret Iterest Rate Brochure for details. Tax Implicatios - Savigs ad Ivestmet Accouts Please ote: Iterest eared o your Savigs or Ivestmet Accout must be declared for icome tax purposes; If you do ot provide us with your tax file umber, we will deduct tax from your iterest eared at the highest persoal icome tax rate. Fiacial Services Guide Page 11
Fiacial Services Guide 4. MEMBERSHIP If you wish to ope a accout with us, you first eed to become a Member of the Bak. You may the apply to ope Savigs Accouts with us (either o your ow or with others) ad apply for our accout products to assist you i bakig with us. We the cosider your accout ad/or accout product applicatio ad if approved, provide the accout(s) ad/or accout product(s) to you. You must be a Member before we are able to do ay bakig busiess with you. JOINT MEMBERSHIP All ew Memberships must be sigle ; i.e. i the ame of oe perso. If you wat to have a joit accout, each idividual Member must joi together with aother Member to ope a joit accout. Please ote: all existig joit Memberships cotiue i the same maer as they did before these terms ad coditios came ito effect. TRUST Uder a trust, a Membership is opeed i your ame but you hold the Membership accout for someoe else. You ca ope ay type of accout i a trust Membership as a trust accout. The same terms ad coditios apply to trust accouts as for other accouts. Whe a trust Membership is opeed: We eed to see ay supportig documetatio (e.g. for a deceased estate, the will ad death certificate); We may eed to collect additioal iformatio about relevat parties (i.e. the trustee ad the beeficiary); CHILDREN Whe you ope ay accout for a child: We eed to idetify the child with appropriate idetificatio; For childre uder 12 years of age, the accout is opeed i the child s ame, however the adult cocered is the Authority to Operate ad accepts resposibility for ay legal issue that may arise due to the accout beig opeed i the child s ame, providig a idemity; A child uder 12 years of age caot be issued with a access card to the accout. Ay card issued to the accout would be i the ame of the adult actig as Authority to Operate. Idetificatio We must prove your idetify whe you ope a ew savigs or ivestmet accout or become a sigatory to a accout. Whe Fiacial Services Guide Page 12
you joi the Bak, we eed to obtai documetary proof of your idetity or a statemet from a acceptable Certifier who has see ad verified your idetificatio documets. We must do this uder the Ati Moey Lauderig ad Couter Terrorism Fiacig Act (AML/CTF) to help prevet people from usig the fiacial system for tax evasio, moey lauderig ad terrorism fiacig. We support this atiowide effort to fight crime ad will do everythig we ca to make these procedures as smooth as possible for Members. Idetity Checks To prove your idetity to the Bak you must supply the Bak with relevat idetificatio documets. A list of the required documets ca be obtaied from the Bak. Member s persoal iformatio may be provided to a third party for the purpose of verifyig your details to meet the compliace obligatios uder the AML/CTF Act legislative requiremets. Statemet from Certifier After sightig your required idetificatio documets, a acceptable certifier ca sig a statemet to prove your idetity. We will give you a form for this purpose. Judges of a Court, Magistrates, Chief Executive Officer of a Commowealth Court, a Notary Public, a Police Officer, a Aget of Australia Post, a permaet employee of Australia Post (with 2 or more years of cotiuous service), a Registrar or Deputy Registrar of a Court, a Justice of the Peace ad a member of the Istitute of Chartered Accoutats i Australia, CPA Australia or the Natioal Istitute of Accoutats with 2 or more years cotiuous service are all acceptable certifiers. COMPANIES, ASSOCIATIONS AND CLUBS Membership is ope to orgaisatios icludig: Compaies; Icorporated associatios; Social clubs. Orgaisatios ca ope most accouts, subject to these coditios: We eed to idetify the orgaisatio ad the idividuals authorised to sig documets for the orgaisatio; We eed to see documets cofirmig the appoitmet of the idividuals authorised to sig documets for the orgaisatio. Fiacial Difficulties Always cotact us promptly if you ever eed help with a fiacial difficulty especially if you have a overdraft or a loa. We will always take reasoable steps to help Members who are fidig it difficult to repay loas. We ca look at optios to reduce your paymets or exted your loa term. The earlier you cotact us, the sooer we ca help. Fiacial Services Guide Page 13
Fiacial Services Guide 5. GENERAL TERMS AND CONDITIONS FOR SAVINGS ACCOUNTS, INVESTMENT ACCOUNTS AND PAYMENT SERVICES 5.1 AUTHORISED SIGNATORIES Geeral You ca authorise a perso to operate your accouts. This perso is your authorised sigatory. The authorised sigatory or sigatories to the accout ca act fully ad effectively i all dealigs, matters ad trasactios i respect of the accout(s) except the applicatio for a loa; or credit facility or a redraw from a loa accout. A sigatory has the authority to do the followig: Carry out withdrawals o the accout, for ay purpose, icludig sigig cheques; Make equiries about accout balaces ad trasactios o the accout, icludig ay debit balace or available credit o a trasactioal (Cotiuig Credit Facility) accout. A sigatory DOES NOT have the authority to: Chage ay of the sigatory authorisatios o the accout; Give a 3rd party access or authority to operate o the accout; Make equiries about loa accout balaces or available credit o a loa accout (except for trasactioal Cotiuig Credit Facility accouts); Chage cotact details for the ower of the accout, icludig the mailig address for statemets, or close the accout. Appoitig a Authorised Sigatory For you to appoit a authorised sigatory you eed to: Read these terms ad coditios ad related brochures; Complete the applicatio form; Both you ad the authorised sigatory read ad sig the declaratio o the applicatio form; Give the completed ad siged applicatio form to us; Give us your authorised sigatory s idetificatio documets to satisfy the legal requiremets we may have to comply with. You are liable to pay for (or to repay) ay credit provided to ay perso authorised to operate o your accout(s). Your accout(s) will be debited with all trasactios made o your accout by a perso authorised to operate o your accout(s). Accordigly, you are resposible for all these trasactios as if you had made them yourself. Fiacial Services Guide Page 14
Termiatig the appoitmet of your authorised sigatory A Authority to Operate will operate util we receive writte otice of cacellatio or otice of death of the perso gratig the authority ad that otice has bee processed by us. Notice of cacellatio must be siged by all survivig accout holders. We may require a ew Authority to Operate before we allow further operatio o the accout. If there is a dispute otified to us about a Authority to Operate or the ower of a accout, we may refuse to allow operatio of the accout util all parties cocered have siged the ecessary authority. We are ot liable for ay loss or damage caused by ay delay i processig a cacellatio of a Authority to Operate. Ay cards issued as a additioal card holder should be retured for cacellatio or writte istructio by you to cacel the card. You must arrage to cacel all regular paymet arragemets ad stadig authorities with merchats operatig o the additioal card. Failure to do this could result i your liability for ay use. 5.2 JOINT ACCOUNTS Geeral If you ope a joit accout: The credit balace of a joit accout is held joitly by all accout holders; Each accout holder has the right to all of the balace, joitly with the other accout holders; A joit accout holder may oly make a withdrawal o the terms of ay authority to operate o the accout; If there is ay dispute betwee joit accout holders, we may decide to oly permit operatio o the accout whe all parties have siged the ecessary authority; If a joit accout holder dies, the remaiig accout holder holds the credit balace ad if more tha oe, those remaiig accout holders hold the credit balace joitly; Each joit accout holder is liable for the whole of ay debit balace o the accout; We ca sue all or ay accout holder(s) for a amout owig o the accout. Reduced Fees Program The first amed Member i a joit accout applicatio will be the primary joit accout holder. Every other Member i the joit accout will be a secodary joit accout holder. The Reduced Fees Program are assessed o a caledar mothly basis. Idividual ad primary joit accout holders qualify for the Reduced Fees Program where the combied balaces of all savigs, ivestmets ad draw loas withi the oe membership oly are kept over $5,000 for the whole caledar Fiacial Services Guide Page 15
Fiacial Services Guide moth. Secodary joit accout holders qualify for the Reduced Fees Program for trasactios o the joit S1 accout or where the combied balaces of ay of your idividual accouts are kept over $5,000 for the whole caledar moth. Trasactios coducted usig the Visa Credit Card do ot cout towards the Reduced Fees Program. The Reduced Fees Program do ot apply to fees for ATM balace iquiries, Visa Cash advaces, overseas ATM withdrawals or ay draw loa balace from a Police Bak AMS securitised mortgage, Equity Maximiser Loas, Leasig accout, Olie SuperSaver balace, Police Value Home Loas or Customs Value Home Loas approved before 1st July 2011. For more iformatio about the Reduced Fees Program, please see our Schedule of Fees & Charges. How to ope a Joit Accout Where you wish to ope a accout with us, together with aother Member or Members, you will eed to: Esure that everyoe who is to be a accout holder i the joit accout is a Member of the Bak; Where ayoe is ot a Member, the that perso will eed to complete a Membership applicatio form before you may proceed to ope a joit accout; Read ad have the other Members read these Terms ad Coditios ad the related brochures; Choose who is to be the primary joit accout holder. All other joit accout holders are secodary joit accout holders. You eed to choose carefully as the balace of your joit accout beefits oly the primary joit accout holder whe we determie the Reduced Fees Program; Complete the applicatio form; Cosider whe completig the applicatio form the operatioal status of the joit accout i.e., if all of you eed to sig our trasactio documets, or that oe of two or more sigatures oly are required. Please ote that if you require more tha oe sigature o a joit accout trasactio documet, the we will ot be able to provide you with some of our products e.g., Visa Card, Redicard, Redidial; Read ad sig ad have the other Members read ad sig the Declaratio o the applicatio form; Submit the completed ad siged applicatio form to us; If you or the other Members have ot already doe so, give us your or the other Members idetificatio documets to satisfy the legal requiremets we may have to comply with; If you or the other Members have ot already doe so, give us your or the other Members tax file umber, if you or the other Members do ot wat us to deduct withholdig tax from ay iterest eared o what you or the other Members have deposited i the joit accout; Fiacial Services Guide Page 16
Select ay of the accout products. Operatioal Status of Joit Accouts Whe you ope your joit accout, you choose the operatioal status for that accout, such as: Oly oe perso is required to sig our trasactio documets; If there are more tha two joit accout holders, a miimum umber of persos required to sig our trasactio documets; All joit accout holders are required to sig our trasactio documets. Ay chages to the operatioal status of a joit accout are subject to limitatios, which arise due to certai accout products you hold with the joit accout. For example, we are ot able to chage the operatioal status where i a joit accout there are several cards issued, util the cards are retured to us, or they become o-operatioal through writte cofirmatio from our card operator that o trasactios ca be carried out o those cards. Olie SuperSaver Accouts You must apply o-lie for this accout. For joit Memberships, ay idividual joit Member ca accept the terms ad coditios o behalf of all joit Members. Oce the I/We accept butto is clicked i the iteret bakig system, the FSG is bidig o all joit Members. Chages to your Accout Details For ay chage you will eed to complete the Membership ad Product Applicatio form or the Chage of Persoal Details form. O receipt of the completed form we will check our records ad clarify the curret operatioal status of the joit accout, ad amed the accout(s) accordigly. 5.3 MAKING DEPOSITS Depositig ito a Accout - Meas of depositig with us You may deposit moey with us i these ways: Over the couter at oe of our Service Cetres; By post to oe of our Service Cetres; Bak@Post (see below); By a paymet service/direct credit; By Iteret Bakig trasfer to your accout; By Telephoe Bakig trasfer to your accout through Redidial; Through a ATM which accepts deposits to us. Fiacial Services Guide Page 17
Fiacial Services Guide Visit our Service Cetre Whe you visit us at a Service Cetre you will complete our deposit form ad, whe the trasactio has bee completed by us, you will receive a receipt. Deposit by post We recommed that you use the optio to sed us a deposit by post as a last resort, where the other optios are ot available to you. We are oly resposible for the deposit whe it has bee received by us. We further recommed the post optio chose by you should be oe where Australia Post ca cofirm we have received your letter ad deposit. We recommed that you should check with us after puttig the deposit i the post to cofirm that we have received ad processed your deposit. You must ever sed cash through the post, ad oly sed crossed cheques/moey orders of small amouts i the post to us. If you do ot have oe of our deposit slips, the we will eed, i additio to your cheque/moey order, a letter i clear ad precise terms istructig us where to deposit your cheque/ moey order. Without the deposit slip or letter, we will ot be able to process your deposit. We do ot sed you a receipt for the deposit by post ad the first documet you will receive from us ackowledgig your deposit will be the ext statemet we issue to you after that deposit. Deposit Usig Bak@Post Make deposits ito your S1 accout usig Bak@Post, a service available at over 3,300 Australia Post Braches. A daily deposit limit of $200,000 applies. Cheques made out i joit ames will ot be accepted for deposit through Bak@Post. Direct Credit This is a arragemet with a direct credit supplier, who deposits moey ito your accout with us by electroic trasfer. We do ot have cotrol over that deposit ad we do ot provide a receipt, whe the deposit has bee made by the direct credit supplier. We recommed that you check with us to cofirm the direct credit supplier has made the deposit to your accout whe aticipated by you. If the deposit has ot bee made, you will eed to talk to the direct credit supplier. The first documet you will receive from us ackowledgig the direct credit supplier s deposit will be the ext statemet we issue to you after that deposit. Fiacial Services Guide Page 18
Iteret Bakig deposit We ormally issue you with a electroic receipt for the trasactio. We advise you that special Terms ad Coditios apply to your Iteret Bakig, so we recommed you visit our website www.policebak.com.au (for Customs Bak details refer to back page) ad become familiar with those Terms ad Coditios ad our Iteret Bakig procedures. Uiteded Recipiet Where it is established that a credit trasfer has bee processed to your accout, ad we are otified that a mistake paymet has bee made to your accout, we may freeze the amout i questio util we are satisfied that there has bee o error. Redidial deposit Whe you have access to your accout(s) through our Telephoe Bakig service, Redidial, it is possible for you to trasfer moey betwee your accouts withi the same Membership with us usig Redidial. We ormally issue you with a electroic receipt for the trasactio. We advise you that Access Methods Terms ad Coditios apply to your Telephoe Bakig through Redidial. We recommed that if you do ot have those Terms ad Coditios, please call us o 131 728 ad have us sed you a copy. ATM deposit Where there is a Automatic Teller Machie (ATM) which accepts deposits to your S1 accout, you may complete a deposit package ad complete the deposit i accordace with the directios from the ATM. We recommed that you should check with us after puttig the deposit ito the ATM to cofirm that we have received ad processed your deposit. We do ot sed you a receipt for the ATM deposit. The first documet you receive from us ackowledgig your deposit will be the ext statemet we issue to you after that deposit. Types of Deposits ad their Availability to You There are three ways to deposit moey with us: Cash; Cheque; Electroic trasfer. Cash Whe you deposit cash i your accout with us at oe of our Service Cetres, that deposit is available for withdrawal immediately after we have processed that deposit. Fiacial Services Guide Page 19
Fiacial Services Guide Cheque - Australia Cheques Whe you deposit moey i your accout with us by way of cheque, the prior to us acceptig the cheque we will eed to: Check that you are the payee omiated i the cheque. If you are ot the payee omiated i the cheque, the we will eed to review the cheque ad determie whether or ot we will accept the cheque for deposit of the amout stated i that cheque ito your accout with us. We will have oe of our Maagers look at ay assigmet of the cheque from the omiated payee to you ad i that situatio, we will eed to be satisfied that: The cheque is capable of beig assiged, that is, it must be a or bearer cheque; The omiated payee has actually siged the assigmet o the cheque. If we are ot satisfied with the assigmet of the cheque, the we will ot accept the cheque for deposit of the amout stated i that cheque ito your accout with us; The cheque has bee properly dated ad siged; That the amout stated i the cheque is the same i words ad umbers; We will ot accept post dated cheques (i.e. a cheque dated after the date it is deposited); or stale cheques (i.e. a cheque that is more tha 12 moths old o the date it is deposited); If we are ot satisfied with ay aspect of how the cheque has bee completed, the we will ot accept the cheque for deposit of the amout stated i that cheque ito your accout with us. Where we are ot satisfied we will retur the cheque to you with a recommedatio that you take it back to the drawer or assigor of the cheque. Where we are satisfied with the cheque, we will: Note the deposit of the cheque with us i your accout; Note i your accout that the proceeds of the cheque is ot available util the cheque has cleared, which for other tha ATM deposits, is ormally for 4 workig days after the date of iitial deposit of the cheque with us. For ATM deposits cheques are ot cleared for a period of 8 days after deposit at the ATM; Advise you that the amout stated i the cheque will ot be available for withdrawal util the cheque has cleared ad that the clearace time is ormally 4 workig days after the date of the iitial deposit of the cheque with us. Cheques deposited via Bak@Post will be cleared after 7 workig days; Whe the cheque has cleared, we will remove the restrictio o withdrawal of the amout stated i the cheque from your accout. We do ot otify you of the removal of that restrictio; Fiacial Services Guide Page 20
Where the cheque is ot cleared ad we are told that the amout stated i the cheque will ot be paid to us, we will show that cheque as dishooured i your accout. We will the otify you that the cheque has bee dishooured ad recommed that you talk to the drawer, or assigor of the cheque. Whe a cheque is dishooured we charge a fee for that dishoour ad that fee is debited from the accout the cheque was deposited ito. We refer you to our Schedule of Fees ad Charges for the amout of the fee. Whe we refer to a cheque beig cleared we mea that: The cheque you have provided to us has bee processed through the bakig system; The amout stated i that cheque has bee provided to us by the bak amed i that cheque; We have paid that amout to your accout, which eables us to remove the restrictio o you withdrawig part or all of that amout. Overseas Cheques The procedure for processig Australia cheques applies subject to the followig variatios: We cosult our bak whether they will accept the cheque ad provide a currecy coversio or require the cheque be processed through the iteratioal bakig system before currecy coversio; If our bak accepts the cheque whe preseted by us, they will covert the cheque to Australia currecy. Subject to clearace of the cheque we the deposit that amout of Australia currecy to your accout. If the cheque is dishooured ad there has bee a variatio i the currecy coversio rate, you will be liable for ay loss icurred by us ad our bak due to that variatio ad ay dishoour fee associated with the cheque; If our bak does ot accept the cheque whe preseted by us, they will have the cheque processed through the iteratioal bakig system. Whe the cheque has bee cleared, our bak will receive the value o the cheque, covert that value to Australia currecy ad we the credit your accout with the amout i Australia currecy. The miimum clearace times for overseas cheques are: Where the cheque is accepted by our bak, 42 days; Where the cheque is ot accepted by our bak, the time varies depedig upo a umber of factors, icludig the coutry of the bak the cheque is draw o. Electroic Trasfer You may deposit moey ito your accout with us by electroic meas, for example through our Iteret Bakig system. Where you have carried out a electroic trasfer ito Fiacial Services Guide Page 21
Fiacial Services Guide your accout, the fuds from that trasfer are available for withdrawal as soo as the trasactio has bee completed through the electroic bakig system. As we do ot have cotrol over other fiacial istitutios, we are ot able to advise you of the time it will take to complete the electroic trasfer. We recommed that you check your accout after the electroic trasfer to cofirm the completio of the trasactio ad the availability of the fuds from that electroic trasfer for ay other purpose you may have. 5.4 MAKING WITHDRAWALS There are three mai ways to withdraw moey from us: Cash; Cheque; Electroic trasfer (see Makig Paymets ). Cash Whe you have moey available i your accout, you may come to oe of our Service Cetres ad withdraw: Up to $2,000 i cash per day; Over $2,000 by prior arragemet; Maximum $50,000; Amouts over $25,000 icur a cash hadlig fee (see Schedule of Fees ad Charges brochure). Whe withdrawig cash from a ATM ad EFTPOS, withdrawal limits may apply ad you will ordiarily oly be able to withdraw $1,000 a day. Cheque There are two types of cheques: Your ow cheque where you have a chequig facility with us; Our couter cheques. Your Cheque With your ow cheque, you must esure that there is sufficiet moey i your S1 accout to meet the cheque whe it is preseted to us for paymet by the Fiacial Istitutio of the perso to whom you wrote the cheque. Whe you write out a cheque, you eed to esure: You have completed the payee ad amout details correctly; You have dated the cheque (if you date it i the future, the payee is uable to bak it util that time); You have elected the egotiable limitatio o the cheque ad marked the cheque correctly; Whether the cheque is to be a bearer cheque or ot. If ot you eed to delete the word o the cheque; Fiacial Services Guide Page 22
Whether the cheque is to be a accout payee oly cheque or ot. If so, you eed to add those words after the ame of the payee; Whether you wat the cheque oly to be egotiated through a fiacial istitutio. If so, cross the cheque with two diagoal lies ad write iside those lies the words ot egotiable ; Whether the cheque is to be ope ad egotiable by the holder of the cheque. If so, leave bearer o the cheque ad do ot cross it. You eed to be careful with your choice as to the egotiable limitatio of the cheque. If you wish to pay a particular perso or compay by your ow cheque, it is ormally better to limit the egotiability of the cheque by makig the cheque accout payee oly ad crossig it ad markig it ot egotiable. If you are ot careful the cheque may be used for a purpose cotrary to your origial itetio, which may result i you losig moey. We are ot resposible to you if you do ot properly complete a cheque, your cheque is egotiated ad the paid by us i accordace with how you had completed the cheque. Whe you pay by your accout payee oly - ot egotiable cheque: You complete the cheque ad had it to the payee; The payee deposits it with their Fiacial Istitutio; The payee Fiacial Istitutio calls o us to pay your cheque; We pay the payee s Fiacial Istitutio the amout set out i your cheque providig there are sufficiet fuds to meet that cheque i your accout. We advise you that Access Methods Terms ad Coditios apply to your member chequig facility. We recommed that if you do ot have those Terms ad Coditios, call us o 131 728 ad have us sed you a copy. Stop Paymet - Member Cheques It is oly possible to stop paymet o your cheque up to the time it is preseted to us for paymet. If you wat to stop paymet o a cheque you have draw, you eed to: Telephoe us o 131 728 ad otify us of all the details; Sed us a writte request to stop paymet o the cheque, settig out all the details of the cheque. Your telephoe directio will alert us to look out for the cheque but we are uable to process a stop paymet without a writte directio from you. Providig we receive your writte directio prior to the cheque beig preseted to us for paymet ad us payig o that cheque, the we will stop paymet. Fiacial Services Guide Page 23
Fiacial Services Guide You will be resposible to the payee for the stop paymet. We will ot be resposible to you if your directio arrives after we have paid o the cheque as preseted to us. Isufficiet Fuds - Cheques If you do ot have eough moey i your S1 accout ad/or credit i your Credit Overdraft whe you use a cheque to pay for ay goods or services, the i the absece of you makig a arragemet with us either: We will dishoour the cheque which meas we will ot pay the amout stated i the cheque to your payee s fiacial istitutio. The perso or compay who you paid by cheque are therefore still owed the amout. There is also a fee for the dishoour of a cheque ad that fee will be debited to your S1 accout; We will pay the amout stated i the cheque ad we will exercise our right to combie accouts ad use moey i aother of your accouts to pay the amout. The choice is ours ad we will ot be resposible to you for ay loss you icur if we choose to dishoour your cheque due to you ot havig eough moey i your S1 accout ad/or credit i your Credit Overdraft. You should esure that before you complete a cheque ad provide it to a perso or compay for paymet of a good or service that you have sufficiet moey i your S1 accout ad/or Credit Overdraft to meet that cheque. Corporate Cheques You ca also withdraw fuds by the way of corporate cheque. We make out the cheque to a third party omiated by you. We may charge you a fee for a corporate cheque. Refer to our Schedule of Fees & Charges for details. Couter Cheque Withdrawals - Stop Paymet It is oly possible to stop paymet o a corporate cheque up to the time it is preseted to us for paymet. If you wat to stop paymet o a cheque you eed to: Telephoe us o 131 728 ad otify us of all the details; Sed us a writte request to stop paymet o the cheque, settig out all the details of the cheque; Provide writte coset from the cheque payee. Your telephoe directio will alert us to look out for the cheque but we are uable to process a stop paymet without a writte directio from you. We will forward a form to you for completio. You must complete the form before the stop paymet ca be processed. You will be resposible to the payee for the stop paymet. We will ot be resposible to you if your directio arrives after we have paid o the cheque as preseted to us. Fiacial Services Guide Page 24
Withdrawig or Trasferrig fuds from a Accout You may withdraw moey you have with us i these ways: By visitig oe of our Service Cetres; By Bak@Post; By post to oe of our Service Cetres; By email or facsimile directio to oe of our Service Cetres; Through a ATM which accepts our cards; By a paymet service; By Iteret Bakig or Pay Ayoe trasfer from your accout; By Telephoe Bakig trasfer from oe accout to aother accout i your Membership through Redidial; By BPAY trasfer from your accout. Visit to our Service Cetre Whe you visit us at a Service Cetre, you will complete a withdrawal form. Whe you preset us with the withdrawal form, we will eed to see photo idetificatio. We eed to cofirm that the sigature o the withdrawal form is your sigature. Your withdrawal may be refused, if you: Are withdrawig a large amout from your accout; Do ot have photo idetificatio; or We are ot satisfied with the photo idetificatio provided. Normally, we require you to persoally atted if there is to be a withdrawal from your accout at oe of our Service Cetres. If you are ot able to persoally atted, it is possible for you to authorise a perso to atted oe of our Service Cetres with a completed withdrawal form but if you are ot persoally attedig the: We eed to see idetificatio documets for you ad your authorised perso; We will retrieve a copy of your sigature to cofirm that the sigature o the withdrawal form is your sigature; We may telephoe you to cofirm the withdrawal, before we proceed ad if we are ot satisfied with the withdrawal form, the idetificatio documets or we are uable to call you, the we will ot process the withdrawal. You should esure you are available for us to call you if we eed to whe your withdrawal form is preseted by your authorised perso to oe of our Service Cetres. Withdrawal usig Bak@Post Withdraw up to $1,000 per day from your S1, S11, S28 or S14 accout usig the Bak@Post service available at over 3,300 Australia Post braches. Refer to our Schedule of Fees & Charges for details. Fiacial Services Guide Page 25
Fiacial Services Guide Fuds trasfer by post, facsimile or email directio If you wat to trasfer fuds from your accout by post, facsimile or email directio, you eed to sed us a documet that has the followig: Your ame, Membership ad accout umbers; The amout you wish to withdraw; The BSB, accout umber ad accout ame to whom the amout is to be paid; Your sigature. To protect your fuds, we will cotact you by phoe to cofirm the trasactio i order to verify the autheticity of your requested trasfer. A fee may be charged for the trasactio, i accordace with the Schedule of Fees ad Charges. ATM/EFTPOS withdrawal Where there is a Automatic Teller Machie (ATM) or Electroic Fuds Trasfer Poit of Sale facility (EFTPOS) which accepts your Visa Card or Redicard, you may use the machie to withdraw from your S1, S11, S14 or S28 accout with us. A daily limit of $1000 applies per card. You will ormally have a optio as to whether or ot you wat to receive a ackowledgemet of the withdrawal from the ATM. We do ot sed a ackowledgemet for the withdrawal. The first documet you receive from us ackowledgig your ATM withdrawal will be the ext statemet we issue to you after that withdrawal. 5.5 MAKING PAYMENTS Our Paymet Facilities are ot available to all Members. Paymet Facilities are ot available to accouts where more tha oe sigature is required to operate the accout, uless all sigatories have siged the applicatio form. Paymet facilities are ot available to all childre: Not available to childre uder 12; Paretal coset required for childre betwee 12 ad up to 16. If you have ay questios about Paymet Facilities please telephoe us o 131 728 ad talk to a Member Services Officer. Paymet Services This is a arragemet where at your directio a sum of moey is trasferred from your accout to a third party. There are four forms of withdrawal paymet service: Periodical paymet istructio for the Bak to sed fuds o your behalf o a regular basis; Direct trasfer istructio for the Bak to sed fuds o your behalf o request; Fiacial Services Guide Page 26
Direct debit third party draws agaist a savigs accout o a regular basis (i.e. you have provided our BSB ad your accout umber details); Regular paymets third party draws agaist a visa card liked to a accout o a regular basis (i.e. you have provided your visa card details). We have cotrol over the periodical paymet ad direct trasfer. We do ot cotrol the direct debit or regular paymet as it is lodged with the third party ad that third party maages the withdrawal from your accout. We recommed that you check to cofirm with us ad the third party, the periodical paymet, direct trasfer, direct debit or regular paymet has bee processed. We do ot issue you with ay writte cofirmatio of a periodical paymet, direct trasfer, regular paymet or direct debit. The first documet ackowledgig the periodical paymet, direct trasfer, direct debit or regular paymet will be the ext statemet we issue to you after that periodical paymet, direct trasfer or direct debit. Paymet Order - If you request more tha oe periodical paymet, direct debit or regular paymet, we will determie the order i which they are paid. Stop Paymets - To stop or alter a periodical paymet, direct debit or regular paymet, you must provide either writte istructios, phoe us or visit a Service Cetre. We will require full details of the periodical paymet, direct debit or regular paymet at least (3) busiess days before the ext paymet is to be made. Care: if you have multiple paymets / policies with the supplier, the a istructio to cacel the paymet by the Bak will cacel all paymets made to that supplier (e.g.) Car isurace, home isurace ad cotets so it may be more effective to cacel the sigle policy with the supplier. You must also istruct ay direct debit or regular paymet supplier to stop the paymet without delay. Note: Cacellatio of a direct debit or regular paymet does ot cacel ay cotract arragemet betwee you ad the supplier. Future Dated Electroic Trasactios - Future dated electroic trasactios will be processed o the closest workig day prior to the weeked or public holiday. Electroic trasactios coducted o a weeked or public holiday will be processed o the closest workig day after the weeked or public holiday. You must also istruct ay direct debit or regular paymet supplier to stop the paymet without delay. Isufficiet Fuds - should there be isufficiet fuds to meet your Periodic Paymet due date, the Bak will attempt to make the paymet for the ext 4 cosecutive busiess days. If there are still isufficiet fuds, the paymet will reject. That is - the paymet will ot be made. Fiacial Services Guide Page 27
Fiacial Services Guide Should the paymet be rejected o 4 separate occasios, the Paymet Authority will automatically cacel. Missed Paymets ad Cacellatio - We may decide ot to make a periodical paymet or direct debit if there are ot sufficiet cleared fuds i the accout at the time ad o the date for the trasfer of moey. From time to time we may allow you to overdraw your accout(s). We have o obligatio to do so. If we decide to make a paymet because there are ot eough cleared fuds i a accout, or if we decide to make a paymet ad overdraw the accout, we may charge a fee. Please refer to our Schedule of Fees & Charges Brochure. Iteret Bakig trasfer Whe you have access to your accout(s) through our Iteret Bakig service it is possible for you to trasfer moey betwee your ow Bak accouts ad exterally to other fiacial istitutios. We ormally issue you with a electroic ackowledgemet for the trasactio. The first documet you will receive from us receiptig your trasactio will be the ext statemet we issue to you after the trasactio. We advise you that separate Terms ad Coditios apply to your Iteret Bakig, so we recommed you visit our website www.policebak.com.au (for Customs Bak details refer to back page) ad become familiar with those Terms ad Coditios ad our Iteret Bakig procedure. Redidial trasfer Whe you have access to your accout(s) through our Telephoe Bakig service, Redidial, it is possible for you to trasfer moey betwee your accouts (withi the same Membership) with us usig your phoe ad Redidial. We ormally issue you with a electroic ackowledgemet for the trasactio. The first documet you will receive from us receiptig your trasactio will be the ext statemet we issue to you after the Redidial trasactio. We advise you that separate Terms ad Coditios apply to your Telephoe Bakig through Redidial, so we recommed that if you do ot have those Terms ad Coditios, call us o 131 728 ad have us sed you a copy. BPAY This is where you are able to arrage for a withdrawal from your accout with us to directly pay bills. Your ability to pay your bill through BPAY depeds o whether or ot the party whose bill you are payig is o the BPAY system. Uless you are completig a BPAY trasactio through Iteret Bakig or Redidial where a electroic ackowledgemet for the trasactio will issue to you, we do ot sed you a receipt for a BPAY trasactio. The first documet you will receive from us receiptig your trasactio will be the ext statemet we issue to you after the BPAY trasactio. Fiacial Services Guide Page 28
Electroic Trasactios Isufficiet Fuds The mai forms of electroic trasactios from your accout are: ATM; EFTPOS; Paymet services; Iteret Bakig; Redidial Telephoe Bakig; BPAY; Bak@Post. If you do ot have eough moey i your S1 accout ad/ or credit i your Credit Facility whe you try to trasact electroically to pay for a good or service, the i the absece of you makig a arragemet with us either: We will ot process the electroic trasactio, which meas we will ot pay the amout stated i the electroic trasfer to your payee s bak. The perso or compay who you paid by electroic trasfer are therefore still owed the amout; We will pay the amout stated i the electroic trasactio but your accout ad/or Credit Facility will be overdraw ad either we will exercise our right to combie accouts ad use moey i aother of your accouts to pay the overdraw amout; or your accout will be referred to our Collectios Departmet to recover the overdraw amout. The choice is ours ad we will ot be resposible to you for ay loss you icur if we choose to ot process the electroic trasfer due to you ot havig eough moey i your accout ad/or credit i your Credit Facility. You should esure that you have sufficiet moey i your accout ad/or credit i your Credit Facility before you try to do a electroic trasfer. 5.6 PAYMENT ORDER TO LOANS Where your paymet order (Payroll Deductio or Periodic Paymet Authority) is to make paymets to a omiated loa accout held with the Bak, the amout deducted by us from your payroll or from your omiated deposit accout will be adjusted to esure that it is sufficiet to meet the miimum repaymet required uder each loa cotract. 5.7 ABOUT YOUR ACCOUNTS - OVERDRAWING, ACCOUNT STATEMENTS, PAYMENT AUTHORITY/ ACCOUNT COMBINATION AND ACCOUNT CLOSURE Overdrawig your Accout We do ot agree to provide ay credit i relatio to your accout. Fiacial Services Guide Page 29
Fiacial Services Guide You agree ot to overdraw your accout uless you have a Overdraft. You may apply for a Overdraft o your S1 Accout which will be subject to the Terms ad Coditios of a Overdraft credit cotract. We may, at our discretio, hoour a cheque, periodical paymet, direct debit, Visa or other trasactio. If your accout becomes overdraw for ay reaso, immediate repaymet is required. We may charge you a fee ad iterest o the overdraw amout at our overdraft iterest rate as well as ay reasoable legal fees we icur i obtaiig the amout from you. Statemets of Accout We will sed you statemets outliig the trasactios o your accouts at regular itervals. Your statemet will iclude the followig iformatio: Your Member umber; Accouts withi your Membership; Owers of the accouts; All debit ad credit trasactios o your accouts, icludig all paymet service trasactios, Iteret Bakig ad Redidial trasactios; The opeig ad closig balaces for your accouts (the balaces at the start ad ed of the statemet period), ad all the chages to the balaces i your accouts betwee the opeig ad closig balaces, which record the impact of your debit ad credit trasactios o your accouts. You should always check your statemets whe you receive them from us to: Cofirm the opeig balaces o your accouts are the same as the closig balaces o your last statemet; Check all the trasactios o your accouts are correct. If you do ot agree with ay details o a statemet, you eed to call us o 131 728 ad talk to oe of our Member Services Officers. If you are a joit accout holder livig at the same address as aother joit accout holder of the same accout, we will oly sed oe statemet of accout to that address. If joit accout holders live at differet addresses otified to us, o request we will sed a statemet to up to 2 differet addresses. Depedig upo what types of accouts you have with us, we will set out the frequecy of the statemets. At a miimum we will sed you four statemets a year. If you have a Cotiuig Credit Cotract, cheque book or Visa Credit Card with us, the you will receive statemets every moth. It is possible to have us provide you with statemets more ofte tha you may be curretly receivig them. If you wat more frequet statemets, the call us o 131 728 ad speak to oe of our Member Services Officers. If you feel we have missed sedig you a statemet or you eed a copy of a statemet we have already set you, the call us o Fiacial Services Guide Page 30
131 728 ad speak to oe of our Member Services Officers. Fees ad charges may apply for additioal statemets. Please read our Schedule of Fees ad Charges. If your statemet is retured to us as retured mail we reserve the right to ot forward statemets to you util a ew address is provided. Paymet Authority / Accout Combiatio You authorise us to debit ay of your Bak savigs accouts to meet a paymet due o ay accouts whether the paymets is owed to the Bak or aother party. We will make every effort to complete paymets for you but we have o obligatio to do so. We may also combie accouts whe you owe us a sum of moey after you overdraw a accout or fail to remedy a default uder a credit cotract (e.g. loa or overdraft). I these circumstaces, we are etitled to immediate repaymet of the debt. We will combie accouts by withdrawig a amout from ay accout with a credit balace sufficiet to pay the amout you owe us. If you have ay questios about paymet authorities or combiig accouts, call us o 131 728 ad speak to oe of our Collectios Officers. Accout Closure You are etitled at ay time to close your accout ad/or apply to termiate your Membership with us. We may close ay of your savigs accouts eve though the accout may have a credit balace. We will give you reasoable otice before doig so ad will repay ay credit balace. Ay Redicard, Visa Card or other access istrumet authorised for use o your accouts must be retured to us uless it is authorised for use o aother perso s accout. Geeral If you wish to close a accout or termiate a Membership, the you will eed to: Cotact us ad obtai the accout closure form; Complete ad sig the form ad retur it to us; If you are closig a accout, provide us with sufficiet fuds to brig the accout to zero if that accout is overdraw or subject to a Credit Overdraft; If you are termiatig your Membership, provide us with sufficiet fuds to brig all your savigs accouts to zero ad repay i full all loas you have with us; Retur all access/credit cards ad uused cheques. O receipt of these items, we will the process your applicatio. Special Circumstaces I the evet of a death or family law settlemet, accouts eed to be closed ad moey i those accouts trasferred to ew accouts, you will eed to: Fiacial Services Guide Page 31
Fiacial Services Guide Notify us i writig ad provide us with appropriate documets i.e. Death Certificate, Will, Grat of Probate, Family Law Agreemet or Orders, to cofirm your positio to deal with a Membership ad/or accout; Whe you do ot hold a Membership ad accout i your ow ame complete all the documetatio required to become a Member ad ope a accout; Provide us with writte istructios o what we are to do with the moey held i the accout to be closed. O receipt of your documets, we will: Close the accout ad termiate the Membership; Where ecessary, ope a ew Membership ad accout; Trasfer the moey from the closed accout to the ew accout, or if o ew accout is to be opeed provide you with a cheque i favour of the party directed by you. We follow this procedure, as it is ot possible to trasfer Memberships. We therefore must close a Membership ad, where appropriate, ope a ew Membership ad accout, ad the trasfer the moey from the accout i the closed Membership to the accout i the ew Membership. 5.8 EDVEST AND REDUCED FEES PROGRAM Edvest We have a service for Members over the age of 45 years. This service provides a umber of beefits ad we refer you to: The Product Profiles (page 10) which set out the Edvest accouts; Our Edvest brochure, which sets out the other beefits available to our Edvest Members. For you to become a Edvest Member you will eed to: Complete the Membership steps usig our Membership/ Product Applicatio forms. We will process your applicatio i the same way we process a stadard Membership ad accout applicatio, except that our records will disclose that you are a Edvest Member. If you have ay queries about Edvest, call us o 131 728 ad speak to oe of our Member Services Officers. Reduced Fees Program The Reduced Fees Program rewards you for doig busiess with the Bak. The program gives you more fee free persoal cheques, ATM ad EFTPOS trasactios tha would ormally apply to our Member s accouts. The Reduced Fees Program are assessed o a caledar mothly basis. Idividual ad primary joit accout holders qualify for the Reduced Fees Program where the combied balaces of all savigs, ivestmets ad draw loas withi the oe Fiacial Services Guide Page 32
membership oly are kept over $5,000 for the whole caledar moth. Secodary joit accout holders qualify for the Reduced Fees Program for trasactios o the joit S1 accout or where the combied balaces of ay of your idividual accouts are kept over $5,000 for the whole caledar moth. Trasactios coducted usig the Visa Credit Card do ot cout towards the Reduced Fees Program. The Reduced Fees Program do ot apply to fees for ATM balace iquiries, Visa Cash advaces, overseas ATM withdrawals or ay draw loa balace from a Police Bak AMS securitised mortgage, Equity Maximiser Loas, Leasig accout, Olie SuperSaver balace, or Police Value Home Loas or Customs Value Home loas that were approved before 1st July 2011. For more iformatio about the Reduced Fees Program, please see our Schedule of Fees & Charges If you have ay questios about the Reduced Fees Program call us o 131 728 ad speak to oe of our Member Services Officers. 5.9 CHANGES Chages to these Terms ad Coditios We may vary the terms ad coditios of our accouts ad accout products. We will give you at least 20 days writte otice if ay variatio will: Impose or icrease charges relatig to your use of your accouts ad accout products; Icrease your liability for losses relatig to trasactios through your accouts ad accout products; Adjust the trasactio limits applyig to your use of your accouts ad accout products. We will tell you of all other variatios i advace by otice i writig to you. Our obligatio to give you advace otice does ot apply if variatios are required i a emergecy to restore or maitai our or your security. We fulfil our obligatios to give you otice uder these Terms ad Coditios if we post the otice by ordiary mail to the last address you gave us. For joit accouts we will provide oe copy of the otice addressed to the primary joit Member. Chages to your accout details You ca chage your accout details ad istructios with us. If you have a chage i ay of your details, i.e., chage of address, chage of ame, removal of authorised sigatories etc., the you eed to otify us immediately whe the chage occurs. If you do ot tell us your chages, we will cotiue to hadle your Membership ad accouts with us o the basis of the details ad istructios we hold ad: We will sed all our mail to you, icludig statemets, otices, magazies ad brochures to the ame ad address o our records; Fiacial Services Guide Page 33
Fiacial Services Guide We will allow your accouts to be operated by those persos who are o our records as authorised sigatories; We will comply with all paymet service istructios (icludig periodic paymets, direct debits ad direct trasfers) we have from you. We are uable to chage ay of your details or istructios without you first otifyig us of the chages i writig. It is very importat to otify us immediately of chages i your details ad istructios. With respect to chages to authorised sigatories, we refer you to the Terms ad Coditios o authorised sigatories. 6. PRIVACY, COMPLAINTS, INFORMATION AND COMPLIANCE Privacy We have a policy, which deals with the protectio of your privacy. We refer you to our Privacy Policy which sets out i detail the terms of how we protect your privacy ad the circumstaces where we provide your iformatio to others. If you have questios about privacy, call our Privacy Officer o 131 728. Complaits Refer to page 5 of this guide for iformatio regardig how we maage complaits. More Iformatio If there is aythig you eed to kow about us that is ot i these Terms ad Coditios or oe of our brochures, the please call us o 131 728 ad speak to oe of our Member Services Officers who will edeavour to assist you with your iquiry. You ca also cofirm the opeig or closig of ay accout or paymet facility by callig us o 131 728 ad requestig writte cofirmatio. Opeig Hours Our Service Cetres are ormally ope betwee 9.00 a.m ad 5.00 p.m., Moday to Friday each week. Our Trasactio Services Departmet is ormally ope betwee 8.00 a.m to 5.00 p.m., Moday to Friday each week. Our after-hours reportig service (e.g. stole cards ad electroic trasactios ad/or access codes) is ope outside busiess hours. Compliace The Bak is committed to compliace with all laws that affect our products ad services icludig the Customer Owed Bakig Code of Practice; Natioal Cosumer Credit Protectio Act; Competitio ad Cosumer Act; epaymets Code; Australia Privacy Priciples; Fiacial Services Reform Act; ad Ati Moey Lauderig/Couter Terrorism Act. These Fiacial Services Guide Page 34
Terms ad Coditios are subject to those laws ad codes. We warrat that we will comply with the epaymets Code wherever it applies. 7. SPECIFIC TERMS AND CONDITIONS 7.1 SAVINGS ACCOUNTS Iterest Rate & Calculatio - Ay iterest you ear will be calculated by applyig the daily aual percetage rate to the daily closig balace of your accout ad paid to your accout yearly, twice yearly or quarterly as set out i the Product Profiles (see page 10). The daily aual percetage rate is the aual percetage rate divided by 365 (except for leap years). Please see the Iterest Rate Brochure for curret rates. No iterest is payable o ay S26 Mortgage Offset Accout (see Mortgage Loa Cotract Terms ad Coditios). Withdrawal Restrictios - All accouts are available at call with the exceptio of S6 ad S66, ad S15 ad S21 accouts o which o withdrawals are allowed for up to 7 days after deposit. For our S3 Christmas Club accout, your fuds are available at aytime but o withdrawal of fuds from your Christmas Club Accout betwee 1 Jauary ad 31 October each year, you will icur a withdrawal fee. Iterest is paid oce a year to 31 October uless you close your accout, whe we will pay iterest accrued up to the day you close your accout. For our S23 Bous Saver Accout, your fuds are available at aytime but if you withdraw your fuds i ay moth you will ot be paid bous iterest ad the stadard iterest rate will apply to your accout for the moth that the withdrawal/s were made i. Fees ad Charges - There are o accout keepig fees for these accouts. A dormacy fee applies. There are fees applicable to certai access istrumets ad paymet facilities. There are also charges for corporate cheque withdrawals ad excess fees for a umber of other types of withdrawal trasactios. Please see the Schedule of Fees ad Charges for details. Federal Govermet Guaratee Scheme - All savigs ad ivestmets up to $250,000 with the Bak are govermet protected. The accout holder may be etitled to paymet uder the Fiacial Claims Scheme; ad Access to the scheme is subject to a limit for each depositor; ad Iformatio about the scheme ca be obtaied from the APRA website at http://www.apra.gov.au ad the APRA hotlie o 1300 131 060. Fiacial Services Guide Page 35
Fiacial Services Guide 7.2 INVESTMENT ACCOUNTS Iterest Rates - The iterest rate o your Ivestmet Accout will ot chage durig the term of the deposit. If we quote you a iterest rate for a Ivestmet Accout, the rate may differ if the deposit is ot made o the same day. Iterest Calculatio - Iterest is calculated by applyig the daily aual percetage rate to the daily closig balace of your accout. The daily aual percetage rate is the aual percetage rate divided by 365 (except for leap years). We will ot chage the method of iterest calculatio or paymet durig the term of the deposit. Withdrawal Restrictios - Although you may withdraw your Ivestmet Accout fuds at ay time, you ackowledge that ay Ivestmet Accout deposit is lodged o the uderstadig that it is ot withdraw before the maturity date. See Product Profile (page 8) for other restrictios. Early Withdrawal Fees/Reduced Iterest - If you withdraw your deposit before the maturity date, we will pay iterest at a reduced rate from the date of deposit to the day prior to withdrawal. The reduced rate will be as decided by us from time to time ad ca be much lower tha the rate that would otherwise apply. Fees ad Charges - There are o accout keepig fees for these accouts. Certificates - Ivestmet Certificates will be issued for all Ivestmet Accouts o establishmet. Maturity of Ivestmet Accout - You have up to 5 workig days after the maturity date to provide ay chages to the term deposit istructios. Withi 14 days after maturity we will provide you with writte advice as to the correct applicable iterest rate where the origial istructios were that the deposit be reivested. Your deposit will be automatically reivested for a further term of the same duratio, or i the closest matchig available product. This will ot occur if you have already provided, or ited to provide alterate istructios to us i writig, prior to the maturity date. 7.3 PAYMENT FACILITIES Paymet Facilities / Access Istrumets - For these products, separate terms ad coditios will be provided to you o applicatio or request: Visa Debit Card - a debit card you ca use for cash withdrawals ad EFTPOS trasactios*; Redicard - a debit card you ca use for cash withdrawals ad EFTPOS trasactios*; Iteret Bakig - givig you iteret access to your accout iformatio ad paymet facilities*; Redidial - our phoe bakig service offerig access to your accout iformatio ad paymet facilities*; Fiacial Services Guide Page 36
Overdraft - a credit facility liked to your savigs accout*; Cheque Facility - givig you the coveiece of cheque book paymets*; BPAY - a facility to orgaise your bill paymets with access to the BPAY paymets system*. PayAyoe - our facility that allows you to make paymets to a mobile umber or email address*. Fees ad Charges - There are fees applicable to certai access istrumets ad paymet facilities. There are also charges for corporate cheque withdrawals ad excess fees for a umber of other types of withdrawal trasactios. Please see the Schedule of Fees ad Charges for details. 7.4 FEES AND CHARGES You authorise us to debit your accout with all fees ad charges payable i relatio to your Savigs Accouts, Ivestmet Accouts ad Paymet Services. 8. FINANCIAL HARDSHIP ASSISTANCE We focus o makig sure we led resposibly, but we uderstad that your circumstaces ca chage due to factors such as a chage i your employmet status. We have always attempted to provide mortgage/loa relief optios to our Members ad will cotiue to do so. I fact this approach has bee part of the way that we do busiess with our Members sice iceptio of the Bak. The Bak will always be ope to discussig with Members i fiacial difficulty the best optios available. Workig with you we ca make a assessmet of how best to assist you ad your family based of your ability to meet the obligatios of your loa. This is the high stadard of the service we have always applied. The Bak will work with your authorised represetative should you prefer a third party to assist you to work through your fiacial situatio. This may be a family member or laguage iterpreter or more formally - a tax aget, solicitor, power of attorey or a fiacial cousellor. There is a authority to omiate a represetative o the Request for Fiacial Assistace Form. Ay Member wishig to discuss their curret fiacial circumstaces should rig our Assistace Cetre o 131 728 or your earest Service Cetre. Fiacial Services Guide Page 37
Fiacial Notes Services Guide Fiacial Services Guide Page 38
Notes
Cotact Us Police Bak Assistace Cetre Phoe: 131 728 E/N: 88899 Direct Phoe: 131 728 E/N: 88884 Sydey Phoe: (02) 8268 2500 E/N: 44850 Parramatta Phoe: (02) 9841 8200 E/N: 44700 Perith Phoe: (02) 4720 5000 E/N: 44750 Newcastle Phoe: (02) 4908 6200 E/N: 44870 Caberra Phoe: (02) 6206 7000 E/N: 44860 Goulbur Phoe: (02) 4827 1000 E/N: 44730 Gosford Phoe: (02) 4320 0200 E/N: 44880 Wollogog Phoe: (02) 4221 9000 E/N: 44830 Campbelltow Phoe: (02) 4640 7000 E/N: 88839 Port Macquarie Phoe: (02) 6582 9900 E/N: 44840 Norwest Phoe: (02) 8814 3000 E/N: 44790 Email ifo@policebak.com.au Website www.policebak.com.au Customs Bak Assistace Cetre: 131 728 Caberra Phoe: (02) 6243 8900 Mascot Phoe: (02) 8335 4200 Melboure Phoe: (03) 9642 1003 Email ifo@customscu.com.au Website www.customscu.com.au All details are curret as at the date of this FSG. We will publish mior chages o our website. We will update the FSG if there are ay sigificat chages. ADT01 FSG V12 08/15