ME Bank, the fairer banking alternative. About ME Bank ME Bank’s origins date back to 1994, where, as Super At ME Bank, we pride ourselves on delivering exceptional Members Home Loans, we began offering low cost customer service. When you call ME Bank, you speak to home loans to members of industry super funds and a real person – not a machine – right here in Australia. unions. Today ME Bank is the only bank in Australia It’s hardly surprising then, that compared to other banks, which is 100 percent owned by Australia’s leading people who bank with ME Bank are consistently more industry super funds. These super funds have more satisfied and more likely to promote their bank to than 5 million members and over $180 billion in other people.* funds under management. The Bank has also been awarded the It’s in the Bank’s DNA to provide members with a genuine 2011 Mozo’s People’s Choice Award for alternative to the profit driven big banks, offering products “Best Bank Customer Service”. 2011 BEST that are simple, low cost and fair. And that doesn’t just bank mean providing better value banking – it incorporates a As well as home loans, ME Bank offers customer service a full suite of banking products from responsible lending policy that strives to make sure you s transaction accounts to credit cards, people’ never take on an unmanageable level of debt. choice personal loans and term deposits. *CoreData brandmanagement Net Promoter Score (NPS) Survey December 2010: The NPS of customer satisfaction is determined by taking the percentage of “promoters”, those who are highly likely to recommend the product or service, and subtracting the percentage of “detractors”, those who are unlikely to recommend. Our award winning range of personal banking products. Member Packages^ Super Members Home Loan^ For a low annual fee of $395, eligible Eligible members receive interest rates up members receive a lower variable to 0.45% p.a. lower than the ME Bank interest rate on the SMHL Ultimate standard variable home loan interest rate. 2011 TOP 5 Offset Account Home Loan with You can take out a new loan or refinance home loans 100% offset transaction facility plus an existing loan and choose from a s a low rate credit card with no Standard, Interest Only Investment Loan people’ choice annual fee. or Ultimate Offset Home Loan. 2011 Your Mortgage Gold Medal – Best Bank Standard Variable 2011 Top 5 home loans – Mozo People’s Choice Awards Member Package Ultimate Offset Account EveryDay Transaction Account Online Savings Accounts Use your own money to No fees, no minimum balance and shop anywhere. If eligible interest paid on every dollar everyday. members deposit just $500 2011 Your Money Silver Medal Best per month and provide their Straight-Up Online Savings Account membership details we’ll waive the $5 monthly account-keeping fee. ME Bank Personal Loans First Home Saver Account One of Australia’s cheapest The ME Bank First Home personal loans with no ongoing Saver Account provides a fees, no fees for early repayment simple way for Australians and no security required. to save for their first home Money magazine’s Best of the Best with the help of Awards 2009, 2010 and 2011 Gold Government contributions and low taxes. Winner, Cheapest Personal Loan, Bank Category 2011 Winner AFR Smart Investor Blue ribbon Awards – First Home Saver Accounts ME Bank MasterCard® Super Members Term Deposits^ A low rate credit card with a low A term deposit account offering bonus interest of up to annual fee and up to 44 days interest 0.25% p.a.* for eligible members. Open your account with free on purchases. as little as $1,000 and select any term from 1 to 24 months. 2011 Your Money Gold Medal – Best Low Rate Credit Card ^Available to eligible super fund and union members, see mebank.com.au for a list of super funds and unions. *The Super Members Term Deposit interest rates are up to 0.25%p.a. more than the interest rates for a Standard Term Deposit. This information does not take into account your situation and you should consider if these products are appropriate for you. Before you make any decisions about our First Home Saver Account you should review the Product Disclosure Statement and Terms and Conditions available from mebank.com.au The First Home Saver Account is subject to government eligibility and withdrawal criteria. Fees and charges apply. Applications for credit are subject to approval. Terms and Conditions available on request. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated. Members Equity Bank Pty Ltd ABN 56 070 887 679. Australian Credit Licence Number 229500. 210484/1111.