1 The Bank arranges Foreign Cash as agent for the issuer Travelex Limited ABN 3600 4179 953 AFSL 222444 (“Travelex”). The purchase of Foreign Cash attracts a fee of 1% or $10 (whichever is greater). The repurchase of Foreign Cash attracts a $10 fee. The Bank also has a revenue sharing arrangement with Travelex. The Bank receives 20% of the net profit made by Travelex in selling Foreign Cash via the Bank. Exchange rates are set by Travelex. Orders placed by you for Foreign Cash cannot be cancelled. If you do place a cancellation request, we may, at our absolute discretion, purchase some or all of the Foreign Cash from on behalf of Travelex. Please note that the repurchase of Foreign Cash may, because of fees and charges and possible movements in exchange rates, result in a loss to you. Travelex is required to collect your personal information under Anti Money-Laundering legislation. If you do not provide sufficient information, Travelex may not be able to provide you with the services you seek. Your personal information is handled in accordance with the privacy policies of the Bank (available on our website) and Travelex. The latter is available at www.travelex.com.au.
2 Global Travel Insurance Travel Insurance is issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234078. Tertiary Travel Service Pty Ltd ABN 28 008 900 981 (Tertiary Travel) arranges Travel Insurance as agent for Allianz Global Assistance. Terms conditions, limits and exclusions apply. Before making a decision please consider the Combined Financial Service Guide and Product Disclosure Statement (including Policy Wording) and the Supplementary Product Disclosure Statement available at www.tertiarytravel.com.
Cover-More Travel Insurance Limits, exclusions and conditions apply. This is general advice only. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Consider the Product Disclosure Statement (available at www.tertiarytravel.com or by calling 1300 888 999, open 9am to 5pm weekdays or from our Homebush or Western Sydney Offices) before deciding about this insurance. This Insurance is administered by Cover-More Insurance Services Pty Ltd ABN 95003114145 AFSL 241713 (“Cover-More”). The issuer of the insurance is Great Lakes Australia ARBN 127 740 532, ABN 18 964 580 576, AFSL No. 318603 (“Great Lakes Australia”). We receive a commission from Cover-More for arranging Your insurance policy. The amount is paid out of the commission that Cover-More receives from Great Lakes Australia.
3 Eligibility criteria apply to join Teachers Mutual Bank. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here. Redraw is subject to application and registration.
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Membership eligibility applies to join Teachers Mutual Bank Limited (TMB). Membership is open to citizens or permanent residents of Australia who are current or retired employees of the Australian education sector or family members of members of the Bank.
Any advice provided within the various articles in ThinkBank is of a general nature only and should not be construed as providing advice on any of the topics discussed. Your needs and financial circumstances have not been taken into account.