This branch is closing, but your is always open

Our Buderim branch is closing on Friday 31 July 2020

This booklet explains reasons for the closure, and alternative ways to bank with Heritage.

Talk to us today. This branch is closing, but your bank is always open

At Heritage Bank we sincerely value our branch network and the dedicated teams who work within it, which is why we’re sorry to pass on the news that the Buderim branch is closing.

We know the branch has been convenient for you and we will do everything we can to help you manage this change, and transition to other services with as little disruption as possible.

This brochure will help you understand how we’ve come to the decision to close the Buderim branch. It will also explain the banking services and support that are available to you in the lead to the closure on Friday, 31 July 2020.

In a second digital brochure, which will be available online in August at heritage.com.au/buderimclosure, we’ll share feedback and concerns we received from the local community. We’ll also detail how we are helping members transition from using the Buderim branch to alternative banking services.

If you would like to contribute feedback please contact us via email to [email protected].

Proposals to close any Heritage Bank branch are made by the Heritage leadership teams and verified at a Board level before closure announcements are made. If you have questions, concerns or feedback about this decision please get in touch with us via email to [email protected].

2 Branch closure Why the Buderim branch is closing

Before we make the decision to close any branch, we think carefully about how it has been used in the past and what will serve our members best in the future. We then consider the availability of other branches nearby and whether we can offer similar services from those locations.

We spent a significant amount of time reviewing the Buderim branch and found that: • The number of in-branch transactions has been declining over the past several years, and continues to drop as shown in the table below. • More than 76% of our members also use other services such as internet and phone banking. The number of members using alternative banking services continues to increase. • Less than 250 members use this branch exclusively for their banking. We have made it a priority to support these members in transitioning to other services. • Our lease at Buderim is coming to an end. Given the decline in branch activity and the change in member behaviour over recent years, we are unable to commit to a further 5 year lease.

Counter ATM Average monthly transactions transactions Dec16 to Feb17 1457 1137 Dec19 to Feb20 1068 870 Variance -36% -31%

Providing alternative ways to bank with Heritage 3 Other places you can bank locally

We understand it’s important to have banking facilities in your local community. There are a number of ATMs, Post Offices and Heritage Bank branches nearby that will allow you to keep banking close to home. Our nearby branches are ready to welcome you.

Maroochydore Kawana Palmwoods

Shop 358, Kawana Shop 35/36, Big Top Shops 1-2, Shoppingworld Shopping Centre Palmwoods Plaza, Cnr Point Cartwright 12-20 Ocean Street Margaret Street Drive & Nicklin Way Maroochydore Palmwoods Kawana Waters QLD 4558 QLD 4555 QLD 4575 07 5399 8010 07 5399 8070 07 5399 8020 8.0km from Buderim 13.2km from 10.4km from Buderim Buderim

Mon: 9am – 4:30pm Mon: 9am – 4:30pm Mon: 9am – 4:30pm

Tues: 9am – 4:30pm Tues: 9am – 4:30pm Tues: 9am – 4:30pm

Wed: 9am – 4:30pm Wed: 9am – 4:30pm Wed: 9am – 4:30pm

Thur: 9am – 4:30pm Thur: 9am – 4:30pm Thur: 9am – 4:30pm

Fri: 9am – 5pm Fri: 9am – 5pm Fri: 9am – 5pm

Sat: Closed Sat: Closed Sat: Closed

Sun: Closed Sun: Closed Sun: Closed

ATM ATM ATM Smart ATM Business Banking Business Banking Coin Counter Financial Planning Financial Planning Internet Banking Insurances Insurances kiosk Investments Investments Business Banking Mortgages Mortgages Financial Planning Personal lending Personal lending Insurances Foreign Currency Foreign Currency Investments Transaction accounts Transaction accounts Mortgages Disabled access Disabled access Personal lending Foreign Currency Transaction accounts Disabled access

4 Branch closure Nearby Post Offices with Bank@Post facilities

Sippy Downs Buderim Post Shop Maroochydore BC Post Shop

Buderim Central Chancellor Shopping Centre Marketplace Shop 105, Shop 7, Shop 20, 32 Wises Road 7-15 Lindsay Road 18 University Way Buderim QLD 4556 Buderim QLD 4556 Sippy Downs QLD 4556

9am – 5pm 9am – 5pm 9am – 5pm Mon to Fri Mon to Fri Mon to Fri Closed Sat Closed Sat Closed Sat Closed Sun Closed Sun Closed Sun

Nearby ATMs

Name Address Fee Information*

Shop 4B, Bendigo Bank 72 Burnett Street Fees may apply Buderim QLD 4556

3/61 Burnett Street Fee-free for Heritage NAB Buderim QLD 4556 Bank members

72 Burnett Street Fee-free for Heritage Buderim QLD 4556 Bank members

83 Mill Road Buderim Park IGA Fees may apply Buderim QLD 4556

40 Burnett Street Fee-free for Heritage ANZ Buderim QLD 4556 Bank members

66 Burnett Street rediATM Fees may apply Buderim QLD 4556

58 Burnett Street Fee-free for Heritage Buderim QLD 4556 Bank members

*Always check the ATM screen before proceeding.

Providing alternative ways to bank with Heritage 5 Ways to bank

Now more than ever, members are embracing new technologies to make their everyday banking easier. These are some of the many convenient ways you can continue to bank with Heritage. We know some of these services may be new to you, so feel free to visit us in branch for an in-person demonstration and support to help you get started.

Heritage Online Internet banking is the fast, convenient way to complete transactions and manage your money. Schedule payments, transfer funds, view or download your transaction history, activate a card or update your notification settings anywhere, anytime. By registering for internet banking you will also be able to download and use our Mobile Banking App. To get started with Heritage Online, call us on 13 14 22 or visit your nearest branch.

Mobile Banking App Find a Heritage branch or ATM, check your accounts, transfer funds or pay a bill while you’re out and about with the free Heritage iPhone®, iPad® and Android mobile apps. If you’re already registered for internet banking, simply download the App and use your existing member number and password to log in. If you’re not registered for internet banking yet, we’d be happy to help you. Call us on 13 14 22 or visit your nearest branch.

6 Branch closure Phone Banking Phone banking allows you to perform basic transactions over the phone for the cost of a local phone call.* Transfer funds, pay bills, activate cards, get account balances and perform general enquiries 24 hours a day, 7 days a week simply by calling 13 14 22 and selecting option 1 from any touchtone telephone. Registering for phone banking is simple. Call us on 13 14 22 or visit your nearest branch.

*Higher charges may apply from mobile phones or for international calls.

SMS & Email Alerts Stay up to date with significant transactions taking place on your account with convenient SMS and email alerts. For example, you can set up an alert to let you know whenever a Visa Authorisation for more than $500 is processed, or when the balance of your transaction account falls below $10. You can choose the notifications that matter to you, and even specify what time of day you’d prefer to receive alerts. Email alerts are free. SMS alerts are $0.25 per SMS sent.

Digital payments Heritage offers a number of contactless digital payment solutions, making it easier for you to tap-and-go without having to handle cash or use your Visa debit or credit card. Visit heritage.com.au/waystobank to explore the full range of payment options.

If you need support to get started with any of these services please visit us in branch , call 13 14 22 or go to heritage.com.au/waystobank. We are here to help.

Providing alternative ways to bank with Heritage 7 24/7 Contact Centre We recently extended the operating hours of our -based Contact Centre, which is now staffed 24 hours a day, 7 days a week. Whether you need help with a Heritage product or service, or have a query about your accounts, our friendly team is ready to take your call.

Talk to us today Drop into your nearest Heritage branch Visit heritage.com.au/buderimclosure Call 13 14 22 (24/7, Qld-based) Email [email protected]

This environmentally responsible brochure is printed using vegetable based inks on a paper that is produced using only sustainable resources under the guide of Responsible Forestry Practices. This paper is endorsed by the Forest Stewardship Council, is elemental chlorine free, and is manufactured under Environmental Management System ISO 14001.

Talk to us today.

Heritage Bank Limited. ABN 32 087 652 024. AFSL and Australian Credit Licence 240984.