<?php 
	require 'init.php'; 
	require 'header.php'; 
?>

    <div class="pageContainer">

            <div id="carousel-generic" class="carousel slide" data-ride="carousel">
        <div class="carousel-inner home">
            <div class="item light promo active"
                style="background-image: url(uploads/heros/20/card3.php);">
                <div class="slide-caption container">
                    <h3><strong>Car Loans</strong></h3>
                    <p><strong>Win 1 of 3 Visa Debit Gift Cards*</strong><br>
                        <br />
                        <strong>4.49% p.a. </strong> Fixed Rate<sup>+</sup><strong><br />
                            5.10% p.a. </strong>Comparison Rate<sup>^</sup><br />
                        <span class="heroTerms">Terms &amp; Conditions apply</span> </p>
                        <p><a href="car-personal-loan.php"
                            class="btn btn-default btn-sm">Find out more</a></p>
                </div>
            </div>
            <div class="item light promo active"
                style="background-image: url(uploads/heros/20/basic-home-loan-slide.jpg);">
                <div class="slide-caption container">
                    <h3><strong>Basic<br />Home Loan</strong></h3>
                    <p>
                        Your Home Loan doesn't need to be complicated.<br />
                        Check out our new <strong>Basic Home Loan!</strong>
                        <br />

                        <span class="heroTerms">Terms &amp; Conditions apply</span>
                    </p>
                    <p><a href="home-loan.php" class="btn btn-default btn-sm">Find out more</a></p>
                </div>
            </div>

        </div>
        <div id="slideshowControls" class="controls">
            <a id="cycle_next"></a>
        </div>
    </div>

    <div class="featuredContainer">
        <div class="container">


            <a name="stc" id="stc"></a>

            <a id="stc"></a><a id="tabsTop"></a>
            <h1>Small things, Big difference.</h1>
            <p>Discover the <?php echo $settings->get("sname"); ?> difference. <br class="visible-sm" />Browse below or <a
                    href="contact-us.php">contact&nbsp;us</a>.</p>
            <ul class="nav nav-tabs two-up-version">
                <li class="active personal"><a href="#personal" data-toggle="tab">Personal</a></li>
                <li class="business">
                    <a href="#business" data-toggle="tab">Business</a>
                </li>
            </ul>

        </div>

    </div>


    <div class="bodyContainer">
        <div class="container">
            <div class="row">
                <div class="col-md-9 col-sm-8">

                    <div class="tab-content">
                        <div class="tab-pane active" id="personal">
                            <h2>It's time to get started with banking your way</h2>
                            <h3><?php echo $settings->get("sname"); ?> has a great range of products to fulfil all your banking needs ...</h3>
                            <p class="featured">So ditch your old bank and switch to <?php echo $settings->get("sname"); ?> today. It's easier than
                                you think to make the move. </p>
                            <p>
                                <a class="btn btn-default btn-sm" href="switch-to-us.php"><span
                                        class="hidden-xs hidden-sm">Find out how to </span>Switch to <?php echo $settings->get("sname"); ?></a>
                            </p>
                            <div class="row homepage-grid">
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail accounts" href="personal-account.php">
                                        <div class="caption">
                                            <h3>Accounts</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail home-loans" href="car-personal-loan.php">
                                        <div class="caption">
                                            <h3>Home Loans</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail personal-loans" href="car-personal-loan.php">
                                        <div class="caption">
                                            <h3>Personal<br />
                                                Loans</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail credit-cards" href="credit-card.php">
                                        <div class="caption">
                                            <h3>Credit Cards</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail term-deposits" href="term-deposit.php">
                                        <div class="caption">
                                            <h3>Term<br />
                                                Deposits</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail financial-planning"
                                        href="login.php">
                                        <div class="caption">
                                            <h3>Super</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail insurance" href="business-insurance.php">
                                        <div class="caption">
                                            <h3>Insurance</h3>
                                        </div>
                                    </a>
                                </div>
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail international" href="international.php">
                                        <div class="caption">
                                            <h3>International</h3>
                                        </div>
                                    </a>
                                </div>

                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail financial-advice" href="financial-advice.php">
                                        <div class="caption">
                                            <h3>Financial Advice</h3>
                                        </div>
                                    </a>
                                </div>

                            </div>

                        </div>
                        <div class="tab-pane" id="business">
                            <h2>It's a pleasure doing business with&nbsp;you!</h2>
                            <h3><?php echo $settings->get("sname"); ?> has a great range of products to offer you complete banking services...</h3>
                            <p class="featured">So ditch your old bank and switch to <?php echo $settings->get("sname"); ?> today. It's easier than
                                you think to make the move. </p>
                            <p>
                                <a class="btn btn-default btn-sm" href="switch-to-us.php"><span
                                        class="hidden-sm hidden-xs">Find out how to</span> Switch to <?php echo $settings->get("sname"); ?></a>
                            </p>
                            <div class="row homepage-grid">
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail business-accounts" href="business-account.php">
                                        <div class="caption">
                                            <h3>Business Accounts</h3>
                                        </div>
                                    </a>
                                </div>
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail loans-overdrafts"
                                        href="business-loans.php">
                                        <div class="caption">
                                            <h3>Loans &amp; Overdrafts</h3>
                                        </div>
                                    </a>
                                </div>
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail term-deposits" href="term-deposit.php">
                                        <div class="caption">
                                            <h3>Term<br />
                                                Deposits</h3>
                                        </div>
                                    </a>
                                </div>
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail insurance" href="business-insurance.php">
                                        <div class="caption">
                                            <h3>Insurance</h3>
                                        </div>
                                    </a>
                                </div>
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail international" href="international.php">
                                        <div class="caption">
                                            <h3>International</h3>
                                        </div>
                                    </a>
                                </div>
                                <div class="col-lg-4 col-md-4 col-xs-6">
                                    <a class="thumbnail business-support-services"
                                        href="business-support.php">
                                        <div class="caption">
                                            <h3>Business Support Services</h3>
                                        </div>
                                    </a>
                                </div>
                            </div>
                        </div>
                    </div>



                </div>
                
				<?php require __dir__ . '/sidebar.php'; ?>
				
			</div>
        </div>
    </div>




</div>

<div id="testimonialsContainer" class="testimonialsContainer">
    <div class="container">
        <hr />
        <h2>Customer reviews</h2>
        <div class="row">
            <div class="col-md-4">
                <div class="testimonial">
                    <h3>P S Hight</h3>
                    <div class="stars"><span class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span></div>
                    <p class="truncate">"I have only just joined the bank. From the instance they staff were friendly
                        and very obliging. The bank I recently joined were difficult to understand and organise accounts
                        and needed to come back for appointments as they could NEVER assist when needed. Cognate finance
                        completely the opposite-the customer came FIRST :). Will recommend this bank to any one because
                        of the service."</p>
                </div>
            </div>
            <div class="col-md-4">
                <div class="testimonial">
                    <h3>Louise</h3>
                    <div class="stars"><span class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span></div>
                    <p class="truncate">"I would like to commend Heidi Bartels from the Canelands branch of <?php echo $settings->get("sname"); ?>.
                        Heidi assisted us to get a loan after we were advised by a major bank that we would not get one.
                        This was despite the fact that we had previously held a loan with that bank and only a few
                        months earlier were offered a further loan, which we did not need at that time. The staff member
                        at that bank made us feel very small and unimportant. She then tried to refer us onto a loan
                        broker who would no doubt provide a kickback to that bank. She advised us that there was no
                        point trying any other bank. Thankfully we met Heidi who is amazing and made us feel like we
                        mattered. She explained everything fully, was super friendly, followed up with us when she said
                        she would and we were delighted when we had our loan approved. <?php echo $settings->get("sname"); ?> care about their clients
                        and from our dealings with them appear to go above and beyond. I highly recommend Cognate finance and
                        Heidi who is a genuinely helpful and considerate person."</p>
                </div>
            </div>
            <div class="col-md-4">

                <div class="testimonial">
                    <h3>Ewan Franklin </h3>
                    <div class="stars"><span class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span><span
                            class="glyphicon glyphicon-star" aria-hidden="true"></span></div>
                    <p class="truncate">"My husband &amp; I have been banking with Cognate finance for at lease 18 years. The
                        service we have received has always been good but I do have to say there is one member of your
                        team in Yeppoon that always stands out. Don't get me wrong all the ladies at the branch are
                        friendly and very helpful but Debbie is just a beacon of life. Her attitude she has with all of
                        the customers is amazing. Debbie is always smiling, up for a chat and a laugh. Debbie knows her
                        product and can talk to you so you understand without making you feel stupid. We both feel that
                        Debbie goes above and beyond for all her customers and with the rest of the team have a great
                        community spirit. Keep up the great work Debbie, Jane and Margie, Well done"</p>
                </div>
            </div>
        </div>

        <p class="disclaimer">
            Based on reviews from ProductReview.com.au, last updated 25th November 2020, for latest live testimonials,
            ratings and reviews please visit ProductReview.com.au.
        </p>
    </div>

    </div>

<?php require 'footer.php'; ?>