Please familiarise yourself with the following important information:

• Product Disclosure Statement & Financial Services Guide and online services
• Operation of Accounts
• Banking Package Terms and Conditions
• Insurance Product Disclosure Statements
• Foreign Exchange Services Terms and Conditions

Product Disclosure Statement and Financial Services Guide and online services

Our Combined Financial Services Guide and Product Disclosure Statement contains important information about the terms and conditions, fees and charges, transaction limits etc. that apply to accounts or access facilities.

You should retain the downloadable document below for future reference as the information will also apply to new accounts you obtain or to facilities for accessing these accounts.

Consult and download our Combined Financial Services Guide and Product Disclosure Statement for information on our products and services including:

• Internet banking/phone banking/BPAY
• Member chequing
• Non-cash payment
• rediCARD, and
• Visa card.

In addition, several of our online services have their own terms and conditions. If you currently access these services or you are considering acquiring any of them, you should be familiar with these terms and conditions.

Name	Download
Combined Financial Services Guide and Product Disclosure Statement	FSG/PDS
eLink terms and conditions	eLink T&Cs
BPAY terms and conditions	BPAY T&Cs
BPAY View terms and conditions	BPAY View T&Cs
eStatement terms and conditions	eStatement T&Cs

Operation of Accounts

The Operation of Accounts details important information relating to your membership with SERVICE ONE as well as how you can expect your various accounts with SERVICE ONE to be maintained along with your obligations in maintaining your membership. The Operation of Accounts forms part of our Product Disclosure Statement.

Name	Download
Operation of Accounts	Op of Accounts

Banking Package Terms and Conditions

Our banking package products are designed for those Members who want a more complete banking solution. Select from the options below to review the terms and conditions for each of our package solutions.

Name	Download
Home Owner Banking Package - terms and conditions	HOBP T&Cs
First Home Buyer Banking Package - terms and conditions	FHBBP T&Cs
Wealth Manager Banking Package - terms and conditions	WMBP T&Cs
Small Business Banking Package - terms and conditions	SBBP T&Cs

Insurance Product Disclosure Statements

The insurance Product Disclosure Statements (PDS) form part of the terms and conditions of your insurance contract. Select from the options below to review the PDS for the insurance cover you are considering or currently hold.

Name	Download
Home Insure PDS, incorporating policy wording	Home Insure PDS
Home Insure Plus PDS, incorporating policy wording	Home Insure Plus PDS
Motor Insure PDS, incorporating policy wording	Motor Insure PDS
Investor Insure PDS, incorporating policy wording	Investor Insure PDS
Caravan Insure PDS, incorporating policy wording	Caravan Insure PDS
Boat Insure PDS, incorporating policy wording	Boat Insure PDS
Travel Insurance PDS and policy	Travel Insurance PDS
Loan Insure PDS, incorporating policy wording	Loan Insure PDS
Continuing Credit Insure PDS, incorporating policy wording	CCI Insure PDS
Mortgage Insure PDS, incorporating policy wording	Mortgage Insure PDS
Mortgage Insure Plus PDS, incorporating policy wording	Mortgage Insure Plus PDS

Foreign Exchange Services Terms and Conditions

SERVICE ONE offers a range of foreign exchange services through an affiliation with Travelex Australia. Select the link below to view the terms and conditions associated with the various services provided.