Teachers Health Fund fine print

For the well-being of teachers and their families.

Fine Print

Membership eligibility applies to join Teachers Mutual Bank. 1 Conditions of use – accounts and access document and Fees and charges brochures are available from any of our offices. You should read both of these documents before deciding to open accounts and access facilities issued by Teachers Mutual Bank. Any advice provided here does not take into consideration your objectives, financial situation, or needs, which you should consider before acting on any recommendations.

2Membership eligibility applies to join Teachers Mutual Bank (TMB). Fees and charges and lending criteria apply. Consumer Lending terms and conditions available online or from any of our offices. Credit Card terms and conditions available online or from any of our offices.

General Insurance

3 Teachers Mutual Bank arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Teachers Mutual Bank Limited acts as an agent for Allianz and not your agent. A Product Disclosure Statement (PDS) for any of the insurance products is available online or by contacting us.

Life Insurance

4Life insurance products are issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). The relevant PDS is available online or by contacting us. Teachers Mutual Bank Limited acts as referrer for these products only and does not make any recommendation or give any opinion about these products. If you buy a Zurich policy Teachers Mutual Bank will receive from Zurich a commission of 20% (plus GST) of premiums paid. The commission is already included in the amount you pay and is not an additional cost.

Travel services

5 Diploma World Travel Service ABN 63 010 167 503 NSW Licence No. 2TA003633 is a third party company which is owned and operated by mutuals one of which is Teachers Mutual Bank.

Foreign exchange

6 An American Express Financial Services Guide and Product Disclosure Statement are available at americanexpress.com.au/travellerscheques or by calling 13 12 21. You should read these documents and consider the appropriateness of American Express Travellers Cheques and foreign cash in relation to your individual requirements. American Express Travellers Cheques are issued by American Express Travel Related Services Company, Inc and certain related entities and are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL 237996) Incorporated with limited liability in Delaware, USA. ® Registered trademark of American Express Company. Teachers Mutual Bank receives commission of up to 1.0% of the value of each transaction.

Teachers Mutual Bank provides travellers cheques and foreign cash through Travelex Limited ABN 36 004 179 953, AFSL 222444. A Product Disclosure Statement (PDS) for travellers cheques and further information on other products can be requested at www.tmbank.com.au or by calling 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturday or from any of our offices. Any advice provided here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the PDS before deciding whether to acquire any product mentioned here.

Teachers Car Buying Service

7 Members Automotive Services Pty Ltd., trading as Teachers Car Buying Service ABN 79 058 124 020, although endorsed by Teachers Mutual Bank Limited, is an independent entity. While Teachers Mutual Bank Limited has taken steps to satisfy itself that the consultants employed by the Teachers Car Buying Service are licensed motor vehicle consultants, Teachers Mutual Bank Limited cannot accept liability arising out of the provision of any service by Teachers Car Buying Service. This service is only available in NSW, ACT and WA. Teachers Car Buying Service will only locate vehicles covered by a statutory warranty. This excludes second hand light commercial vehicles as they do not carry a statutory warranty. Purchase price of car must be more than $10,000. Teachers Car Buying Service will receive a broker fee (which may vary from to time) for providing its services relating to the sale or purchase of your vehicle. Please contact Teachers Car Buying Service for further details.

Financial Planning

8 Bridges Financial Services Pty Limited (Bridges). ABN 60 003 474 977. ASX Participant. AFSL Number 240837. In referring members to Bridges, Teachers Mutual Bank Limited does not accept responsibility for any act or omission or advice provided by Bridges and its authorised representatives. Bridges is part of the IOOF Group.

SMS & Email alerts

9 For additional information on security please refer to our Security Guide for electronic transactions available online. Access is subject to availability and maintenance. We test mobile banking to ensure compatibility with the majority of popular devices used by members but cannot guarantee that it will be compatible with all devices and operating systems. Teachers Mutual Bank Limited does not charge you for accessing your accounts using your mobile. Internet data charges and call charges may be incurred through your mobile service provider - check with your Internet Service Provider or mobile phone service provider for more details. A 3G or Wi-Fi connection is needed for the mobile banking and map features.

For further information call 13 12 21.