For the half year ended 31 December 2007 The perks for working at University of Western Sydney just got better. 25 13th May February 2009 2008 Commonwealth Bank of Australia ACN 123 123 124
Employee Plus As an employee of University of Western Sydney, you can take advantage of the Commonwealth Bank Employee Plus Program. This personalised service offers you great home loan packages with significant savings on everyday banking, investment and insurance products. Plus, even if you don t sign up for Wealth Package or have a home loan with us, you can still receive the following perks: No Monthly Account fees or withdrawal fees for six months if you open a Streamline account. Bonus 0.25% interest if you take out a Term Deposits of $10,000 - $499,000. 2
Wealth Package home loans perks. Minimum initial total holdings $150,000 ~ No annual package fee for the first year save $300 straightaway. Standard Variable Rate home loans. Save up to 0.70% p.a.* on the Standard Variable Rate for new loans of $250,000 or more. No upfront establishment fee # (save up to $450) and no monthly loan service fee (save $8/month). Fixed Rate Home Loans. Save 0.15% p.a.* on the Standard Fixed Rate. Available on new loans and existing loans at maturity. No upfront establishment fee # (save up to $600) and no monthly loan service fee (save up to $8/month). 1 year Guaranteed Rate and 12 Month Discounted Variable Rate home loans. When the 12 Month Discounted Variable Rate and One Year Guaranteed Rate expires, you will receive a 0.40% p.a. discount off the standard variable rate. No upfront establishment fee # (save up to $600) or monthly loan service fee (save $8/month). Viridian Line of Credit. Save 0.70% p.a.* on the Residential Equity Rate or Viridian Reference Rate for loans of $250,000 or more. No upfront establishment fee # (save up to $600) or monthly loan service fee (save $12/month). ~ Holdings refers to the sum of bank deposits, investments or lending in which you are an accountholder or borrower (excluding general and life insurance premiums or policies, business accounts, family investment companies / trusts and loans in which you are a guarantor) with the Commonwealth Bank Group. Discount is dependent on the amount of total holdings with the Commonwealth Bank. The interest rate does not apply to customers who hold or are applying for honeymoon products. # Nil establishment fee is only available if there is one security and does not apply to off-the-plan loans. Other fees may be payable. Please ask us for more details. 3
More Wealth Package perks. Variable and Fixed Rate Personal Loans. Save 0.50% p.a. on the Standard Variable and Fixed Rates for loans of $10,000 or more. No upfront establishment fee (save up to $135). Fixed Rate Secured Personal Loans. Save 0.50% p.a. on the Secured Fixed Rate for loans of $20,000 or more. No upfront establishment fee (save up to $250). Commonwealth Bank Gold Credit Card. No annual fee save $114 a year. No additional cardholder fee save $15. Automatic membership to the Commonwealth Awards program. CommInsure is a registered business name of Commonwealth Insurance Limited (CIL) ABN 96 067 524 216 AFSL 235030 which is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. Home Insurance is issued by CIL. 4
The Wealth Package perks continue. Streamline Transaction Account. Unlimited everyday transactions through Australia s largest banking network.^ No withdrawal or monthly account fees.^ CommInsure Residential and Investment Home Insurance Packages. Save up to 15% p.a. on combined Residential Building and Contents and up to 7.5% p.a. on combined Investment Building and Contents Insurance premiums. Term deposits. Receive up to 0.25% p.a. bonus interest for new and renewed Term Deposits of $10,000 $499,999 (does not apply to Term Deposit Headline Rates, special offers or any other bonus interest offers). ^ Exclusions apply, please ask us for more details. + CommSec Margin Loan is a product of Commonwealth Bank of Australia administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 (CommSec). Interest rate discount on fixed rate loans applies to new loans only. 5
Important Information. This advice has been prepared without taking into account your objectives, financial situation and needs. Because of that, before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs. Qualifying and ongoing criteria apply to Wealth Package. Applications for finance are subject to our normal credit approval. Full terms and conditions will be included in our offer of finance. Other terms and conditions are available upon application. Offers are available until withdrawn by the Commonwealth Bank andハare not available in conjunction with any other offers. Conditions, fees and eligibility criteria for Wealth Package is available at any branch of the Bank. Streamline account and Term Deposits are issued by the Commonwealth Bank of Australia ABN 48 123 123 124. Product Disclosure Statements for Streamline Account and Term Deposits are available from any of our branches, via commbank.com.au or by calling 13 2221 and should be considered before making a decision about the products. CommInsure is a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216 ( CIL ) a wholly owned subsidiary of the Commonwealth Bank of Australia. The Commonwealth Bank does not guarantee CIL or the products it offers. Where Commonwealth Bank acts as an agent for CIL, the Commonwealth Bank receives a commission from CIL. Product Disclosure Statement ( PDS ) for CommInsure Home Insurance issued by CIL is available from any of our branches or by calling 13 24 23 and should be considered before making a decision about these products. 6
Enjoy all the perks of Employee Plus. Take advantage of the Commonwealth Bank Employee Plus Program now. This personalised service offers you great home loan packages, with significant savings on everyday banking, investment and insurance products. 7