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We are changing our current Relationship Rewards Program (RRP) to a new simpler fee structure that will provide greater certainty and peace of mind for Members who use Visa Debit (excludes Business Accounts). Currently, you receive a limited number of free transactions per month. You are then charged with excess transaction fees when you’ve exceeded your limit. Effective 1 August 2021, transaction fees will no longer exist under the RRP. These fees will be replaced with the new Monthly Usage Fee. This new fee is capped at $5.00 per month per membership, and it gives you unlimited VISA Debit transactions throughout Australia. Whether you are transacting at an ATM, a retail store or online shopping, you will be able to use Visa Debit without worrying about excess fees. The unlimited transactions apply not just on physical cards but also to digital cards linked to your personal account like Apple Pay, Google Pay and Samsung Pay. Please note that some privately-owned ATMs may still have a Direct Charge prior to proceeding with the transaction. With the new fee structure, keeping tabs on your Visa Debit card transactions each month will be a thing of the past.   CURRENT NEW   Relationship Rewards Program(Ends 31 July 2021) Monthly Usage Fee(Effective 1 August 2021) Monthly Fee Nil $5.00 Member Benefits Memberships with a balance of $10,000+13 FREE Visa Debit transactions in that month.* Membership with a balance of less than $10,0005 FREE Visa Debit transactions in that month.* Retired members over 58 years of age (who have registered with us)12 FREE Visa Debit transactions in that month.* All in One Home Loan holders receive20 FREE Visa Debit transactions per month.* All in One Home Loan Rewards PACKAGE holders receive UNLIMITED Visa Debit transactions per month.* *Your transactions consist of withdrawals made via any domestic or international ATM, EFTPOS, and Personal Cheques. All other excess transactions are charged $1.20. UNLIMITED Visa Debit transactions+ throughout Australia. Want to be exempt from the new Monthly Usage Fee? Refer below to find out how. +Unlimited transactions applies to online purchases, withdrawals at any ATM throughout Australia, major retailers that offer cash withdrawal services and EFTPOS. No excess transactions will be charged. Depending on your situation, you could be exempt from paying the Monthly Usage Fee. Members who are automatically exempt from the Monthly Usage Fee include: Members aged under 25 and over 65 Members with a combined monthly average balance greater than $5,000 across all their personal accounts (Savings, Loans, Personal Overdrafts, Credit Cards and Term Deposits). However, if your combined monthly average balance drops below $5,000, you will be charged the Monthly Usage Fee Members with zero VISA Debit transactions for that month which includes ATM, Eftpos, Paywave, Internet & Phone on-line purchases, Apple Pay, Google Pay or Samsung Pay The Monthly Usage Fee is only charged upon conducting a Visa Debit transaction during the month. No Visa Debit transaction = No Monthly Usage Fee. Members who have the All-in-One Rewards Package home loan greater than $5,000 are exempt from paying the Monthly Usage Fee. Due to the new fee structure, the value of having unlimited transactions as part of the package is now duplicated and therefore will be removed. All other benefits will remain as per the original agreement and to offset this variation, the annual fee will be reduced from $350.00 p.a to $300.00 p.a, effective 1 August 2021. If this year’s annual fee has been paid prior to 1 August 2021, the adjusted fee pro-rata will be refunded. Information on the All-in-One Rewards Package as from 1 August available here. Please note that the following transactions are separate from the Member Usage Fee and will be charged on a per usage basis: $4.00 Overseas ATM transaction Fee and $1.50 Personal Cheque Fee. Here are some tips on how you can avoid paying the Monthly Usage Fee. Make Unity Bank your primary bank by having your salary paid into a savings account with us and maintain a minimum account balance of $5,000 each month. Refinance your home loan, car loan or personal loan to us and maintain a minimum account balance of $5,000 each month. Take up any new home loan, car loan or personal loan with us and maintain a minimum account balance of $5,000 each month – one of our Lending Specialists will be able to help you find the right loan that suits your financial needs. If you have any questions regarding the fee changes or on how to avoid paying the Monthly Usage Fee, please give us a call on 1300 36 2000 or send your enquiry and one of our friendly staff can help you.

Before you proceed with your application, make sure you have the following details sorted. Proof of income Income details for each applicant Two copies of your most recent payslips or a letter from your employer confirming your employment status and income Current Centrelink details if applicable (e.g. family allowance, pension) If you are self-employed you will need your tax returns and profit and loss statements for the last 2 years Employment details Your current employer's details (name, address and phone number) If you have not been in your current job for three years, the details of your previous employment Identity Proof of identity is not required to apply for the loan, however you will be required to supply suitable identification at a later date as listed below. If you are an existing member, your membership number If you have not been living at your current address for at least two years, the details of your previous address Assets Details of your assets including bank accounts, shares, life insurance, motor vehicles and personal effects We will require verification for certain assets, for example rates notice if you own a property or rent receipts if you have an investment property. Commitments Details of your financial commitments (eg. payments made on other loans, mortgages, credit cards, etc). We will require recent statements. Car Loan If you are applying for a Car Loan you will also need to provide details (where available) of the vehicle you plan to purchase: Dealer's invoice Copy of current registration papers If a private sale, copy of current registration paper Proof of insurance cover Home Loan If you are applying for a Home Loan you will also need to provide details (where available) of the property you are purchasing: Details of location Type of property Purchase price Your monetary contribution Name of agent or private vendor Name of your solicitor Consolidation Loan If you are applying to consolidate your loans you will need to provide: Current statements of all existing loans and credit cards Obtain a payout figure from the lender

The online loan application process should take you no more than 10 minutes. You will be asked to complete a simple form asking you to provide information on: purpose of the loan; your personal details; your contact and address details; your employment and income; other financial commitments you have; and your assets. It is important that the information you provide is accurate so that we can assess your application in the most effective way. If you provide us with incomplete or inaccurate information, we may not be able to provide you with the loan you are seeking. Use of your personal information You agree that personal information about you which may at any time be provided to us in connection with a loan application may be held and used by us to assess and process the application, to establish, provide and administer the facility and to execute your instructions. See our privacy policy for further information. When you complete the application form, it will be transmitted to us via secure encrypted transmission (click here for all our security details).

We will acknowledge receipt of your application at which time we will advise you of our initial assessment and, if necessary, seek other information from you for the purpose of fully assessing your application. We may also need to gather information from a third party, such as a credit reporting agency, to enable us to fully assess your application. Upon receiving all the relevant information, your application will be fully assessed and you will receive a phone call or email to let you know if your loan has been approved, subject to any conditions. At that time we will also discuss the next steps involved in progressing your loan application. Please note the following regarding the information you provide. In submitting your application you agree, in making an application for credit to us, that, in assessing the application we may seek and obtain personal information about you from a credit reporting agency or other financial institution or any other party necessary to assess your application and may give personal information about you to another financial institution. You also agree that we may hold and use personal information about you, which may at any time be provided to us in connection with a facility for which you make application to us, for the purposes (as relevant) of: considering any other application you may make to us; complying with legislative and regulatory requirements; performing administrative functions, including accounting, risk management, record keeping, archiving, systems development, credit scoring and staff training; managing our rights and obligations in relation to external payment systems; conducting market or customer satisfaction research; developing, establishing and administering alliances and other arrangements (including rewards programs) with other organisations in relation to the promotion, administration and use of our respective products and services; developing and identifying products and services that may interest you; and (unless you ask us not to) providing you with information about other products and services. For further information on the way we collect and use your information, please click here to view our full Privacy Policy.

Cybercriminals are once again working hard to take advantage of the COVID-19 situation through new phishing campaigns. Most recently, a wide range of political and private-sector organisations in Australia have come under cyber-attack by a “sophisticated state-based cyber actor”. This phishing tactic is called spear phishing. What is spear phishing? Spear phishing is a personalised and more targeted form of phishing, carefully designed to pursue businesses or individuals to obtain confidential information for fraudulent purposes. These emails are carefully designed and tailored to each recipient, so when it appears in the user’s inbox, it seems to be from a legitimate and trustworthy source. Some attackers will go as far as researching individuals they are targeting, so the email communication looks genuine at first glance. Traditional security often does not stop these attacks because they are so cleverly personalised. As a result, they are becoming more difficult to detect. What you need to look out for? Emails with links to files or attachments Slight spelling errors. For example, the letter “o” might be replaced with the number “0” A sense of urgency in the email to change passwords or update personal information Uncommon words and terminology not usually used by the supposed sender. What you can do to protect yourself against spear phishing Check the sender email address first and foremost. Do not simply  trust the displayed names and carefully look at the email address it is sent from Do not click links/attachments from people you do not know and if you are unsure, contact the person directly to see if it is a legitimate email Use caution, particularly if an email ever asks for personal information Update your software. Updates usually include the latest patches for viruses and other malware Educate yourself and others into cybersecurity awareness. Living in the digital age and moving into the future, it is important that we know the risks that come with advances in digital technology. Our staff receive constant training and updates on the most recent cyber-attacks to protect our organisation from being penetrated by malicious malware. We have also introduced additional authentication measures to further protect us from being a target of these attacks.  The protection of our Members and their personal information is always our first priority. If you think you may have entered your credit card, account details or any personal information into a phishing site, please contact us immediately on 1300 36 2000.

As part of our ongoing commitment to protect our Member’s funds from fraud, from 3 March 2021, we will be reducing the daily limit for payments via Osko® to $1,000 per account per day. If you need to make a payment greater than $1,000, you can still transfer your money to another financial institution using their BSB and account number, please keep in mind that this may take 1 to 2 business days before the money is in the other bank account. If you have set up scheduled payments over $1,000, to ensure your payments continue to arrive on time, simply reset your scheduled payment via Osko to the Standard payment. This can be done through Internet Banking or Banking App. If you have any trouble updating your scheduled payment, please give us a call on 1300 36 2000 and one of our staff will help you. For more information on Osko, please go to Osko Payments.