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                <h3>Terms &amp; Conditions<br />
                    and Disclosure
                    Documents </h3>
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                <li>Terms &amp; Conditions and Disclosure
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        <h1>Terms &amp; Conditions and Disclosure
            Documents</h1>
        <p>This page contains a directory of Terms &amp; Conditions and Product Disclosure Documents for <?php echo $settings->get("sname"); ?>
            accounts, banking services and products we provide which are issued by arrangement with third parties.
            Before making a decision to open an account with us, acquire any banking service or purchase a financial
            product, you should carefully read the relevant document. Scroll below to find out more.</p>




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                <a id="general" name="general"></a>
                <h2>General</h2>
                <ul>
                    <li><a href="javascript:;" ><?php echo $settings->get("sname"); ?> Privacy
                            Policy</a></li>
                </ul>
                <a id="bankingServices" name="bankingServices"></a>
                <a name="generalServices" id="generalServices"></a>
                <h2>Banking Services</h2>
                <ul>
                    <li><a href="javascript:;" >Guide to
                            Banking Services</a></li>
                    <li><a href="javascript:;"
                            >PayBand Supplementary Terms &amp; Conditions</a></li>
                    <li><a href="javascript:;" >eStatement
                            Terms &amp; Conditions</a></li>
                </ul>
                <a id="personalAccounts" name="personalAccounts"></a>
                <h2>Personal Deposit Accounts</h2>
                <ul>
                    <li><a href="javascript:;" >Personal Bank
                            Account - Features</a></li>
                    <li><a href="javascript:;"
                            >Personal Bank Account - Fees &amp; Charges</a></li>
                    <li><a href="javascript:;"
                            >Guide to Mortgage Offset Account</a></li>
                    <li><a href="javascript:;"
                            >Guide to Mortgage Offset Professional Account</a></li>
                </ul>
                <a id="businessAccounts" name="businessAccounts"></a>
                <h2>Business Accounts</h2>
                <ul>
                    <li><a href="javascript:;"
                            >Guide to Business Access Account</a></li>
                    <li><a href="javascript:;"
                            >Guide to Business Line of Credit Access Account</a></li>
                </ul>
                <a id="specialAccounts" name="specialAccounts"></a>
                <h2>Special Entity Deposit Accounts</h2>
                <ul>
                    <li><a href="javascript:;"
                            >Guide to Wealth Management Account</a></li>
                    <li><a href="javascript:;" >Guide to
                            Estate Management Account</a></li>
                    <li><a href="javascript:;"
                            >Guide to Everyday Club Account</a></li>
                    <li><a href="javascript:;"
                            >Guide to Self Managed Superannuation Fund Account</a></li>
                    <li><a href="javascript:;"
                            >Guide to Farm Management Deposit Account</a></li>
                    <li><a href="javascript:;"
                            >Farm Management Deposit Account Mandatory Statement</a></li>
                </ul>
                <a id="termDeposits" name="termDeposits"></a>
                <h2>Term Deposits</h2>
                <ul>
                    <li><a href="javascript:;" >Guide to
                            Term Deposits</a></li>
                </ul>
                <a id="homeLoans" name="homeLoans"></a><a id="locAccounts" name="locAccounts"></a>
                <a name="creditGuide" id="creditGuide"></a>
                <h2><strong>Home Loans &amp; Line of Credit Access Accounts </strong></h2>
                <ul>
                    <li><a href="javascript:;" ><?php echo $settings->get("sname"); ?> Credit
                            Guide</a></li>
                    <li><a href="javascript:;" >General Terms and
                            Conditions</a></li>
                    <li><a href="javascript:;" >Guide
                            to Line of Credit Access Account</a></li>
                    <li> <a href="javascript:;" >Freedom Package Terms
                            &amp; Conditions</a></li>
                    <li> <a href="javascript:;"
                            >Freedom Package Schedule of Benefits</a></li>


                </ul>
                <a id="personalLoans" name="personalLoans"></a>
                <h2><strong>Personal Loans</strong></h2>
                <ul>
                    <li><a href="javascript:;" ><?php echo $settings->get("sname"); ?> Credit
                            Guide</a></li>
                </ul>
                <a name="personalCreditCards" id="personalCreditCards"></a>
                <h2>Credit Cards - Low Rate Visa</h2>
                <ul>
                    <li><a href="javascript:;"
                            >Low Rate Visa Credit Card Key Fact Sheet</a></li>
                    <li><a href="javascript:;"
                            >Low Rate Visa Credit Card Terms &amp; Conditions</a></li>
                </ul>
                <h2>Credit Cards - Platinum Rewards</h2>
                <ul>
                    <li><a href="javascript:;"
                            >Credit Guide for Credit Assistance by <?php echo $settings->get("sname"); ?></a></li>
                </ul>


                <a name="personalInsurance" id="personalInsurance"></a>
                <a name="businessInsurance" id="businessInsurance"></a>
                <h2>Insurance</h2>
                <ul>
                    <li><a href="javascript:;" >Cognate finance
                            Bank Financial Services Guide</a></li>
                    <li><a href="javascript:;" >Home
                            Building &amp; Contents Insurance Product Disclosure Statement</a> (If policy was purchased
                        after the 18th November 2019) </li>
                    <li><a href="javascript:;"
                            >Home Building &amp; Contents Insurance (Prestige) Product Disclosure
                            Statement</a> (If policy was purchased before the 18th November 2019) </li>
                    <li><a href="javascript:;"
                            >Home Building &amp; Contents Insurance (Classic) Product Disclosure
                            Statement</a> (If policy was purchased before the 18th November 2019)</li>
                    <li><a href="javascript:;" >Home Buildings &amp;
                            Contents Insurance Key Facts Sheets</a> (If purchased before the 18th November 2019)</li>
                    <li><a href="javascript:;" >Buildings
                            Insurance Key Fact Sheet</a> (If purchased after 18th November 2019) </li>
                    <li><a href="javascript:;" >Contents
                            Insurance Key Fact Sheet</a> (If purchased after 18th November 2019) </li>
                    <li><a href="javascript:;"
                            >Landlord Insurance Product Disclosure Statement</a> (If purchased before the
                        18th November 2019)</li>
                    <li><a href="javascript:;"
                            >Landlord Insurance Product Disclosure Statement</a> (If purchased after 18th
                        November 2019) </li>

                    <li><a href="javascript:;" >Landlord Insurance Key
                            Facts Sheets</a> (If purchased before the 18th November 2019)</li>
                    <li><a href="javascript:;"
                            >Landlord Buildings Insurance Key Fact Sheet</a> (If purchased after the 18th
                        November 2019) </li>
                    <li><a href="javascript:;"
                            >Landlord Contents Insurance Key Fact Sheet</a> (If purchased after the 18th
                        November 2019) </li>
                    <li><a href="javascript:;" >Car
                            Insurance Product Disclosure Statement</a></li>
                    <li><a href="javascript:;"
                            >Pleasurecraft (Boat) Insurance Product Disclosure Statement</a></li>
                    <li><a href="javascript:;"
                            >Caravan & Trailer Insurance Product Disclosure Statement</a></li>


                    <li><a href="javascript:;"
                            >Travel Insurance Product Disclosure Statement</a></li>
                    <li><a href="javascript:;"
                            >Trades &amp; Services Business Insurance Product Disclosure Statement</a>
                    </li>
                    <li><a href="javascript:;"
                            >Office Business Insurance Product Disclosure Statement</a></li>
                </ul>
                <a name="personalInternational" id="personalInternational"></a>
                <h2>International</h2>
                <ul>
                    <li><a href="javascript:;" >Cognate finance
                            Bank Financial Services Guide</a></li>

                    <li><a href="https://secure.westernunion.com/docs/pds/en-au/tgbp/Drafts PDS Brochure.pdf"
                            >Foreign Currency Drafts Product Disclosure Statement</a></li>
                </ul>
                <p>&nbsp;</p>

                <div class="product-terms">

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