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    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-community-support-loan/</loc>
        <lastmod>2025-09-21T23:08:31+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-first-home-buyer/</loc>
        <lastmod>2025-06-30T23:37:03+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-fixed-rate-home-loan/</loc>
        <lastmod>2025-06-30T23:36:50+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-essential-worker-home-loan/</loc>
        <lastmod>2025-06-30T23:37:33+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-first-home-buyer-loan-australian-government-5-deposit-scheme/</loc>
        <lastmod>2025-09-30T22:44:36+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-retirees-access-home-loan/</loc>
        <lastmod>2025-06-30T23:37:48+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-term-deposit/</loc>
        <lastmod>2025-06-30T21:38:12+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-overdraft/</loc>
        <lastmod>2025-06-30T21:38:32+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-informal-overdraft/</loc>
        <lastmod>2025-06-30T21:38:52+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-convera-telegraphic-transfers/</loc>
        <lastmod>2025-06-30T21:39:12+00:00</lastmod>
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    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-visa-debit-card/</loc>
        <lastmod>2025-06-30T21:39:31+00:00</lastmod>
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    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-green-car-loan/</loc>
        <lastmod>2025-10-08T03:41:51+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-green-upgrades-loan/</loc>
        <lastmod>2025-10-08T03:49:52+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-boost-to-buy-l38/</loc>
        <lastmod>2025-12-12T03:51:06+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/post-merge-2025/tmd-strata-management-loan/</loc>
        <lastmod>2026-04-02T05:40:01+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/cards/</loc>
        <lastmod>2025-03-03T22:05:15+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/cards/target-market-determination-visa-credit-card-v3/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/cards/target-market-determination-visa-debit-card-v3/</loc>
        <lastmod>2024-10-03T22:13:10+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/cards/target-market-determination-visa-credit-card-v4/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/cards/target-market-determination-visa-credit-card-v5/</loc>
        <lastmod>2024-10-03T22:10:38+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/cards/target-market-determination-visa-debit-card-v1/</loc>
        <lastmod>2024-10-03T22:12:38+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/</loc>
        <lastmod>2025-03-03T22:05:15+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-owner-occupied-variable-principal-and-interest/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-owner-occupied-variable-interest-only/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-owner-occupied-fixed-principal-and-interest/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-home-buyer-advantage-plus-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-fixed-interest-only-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-home-buyer-advantage-plus-home-guarantee-scheme-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
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    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-principal-and-interest-owner-occupied-v3/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-principal-and-interest-owner-occupied-v4/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-interest-only-owner-occupied-v3/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-interest-only-owner-occupied-v4/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-fixed-principal-and-interest-owner-occupied-v3/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-fixed-principal-and-interest-owner-occupied-v4/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-fixed-interest-only-owner-occupied-v3/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-home-loan-first-home-buyers-fixed-interest-only-owner-occupied-v4/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
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    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-flexi-home-equity-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-home-loan-variable-principal-and-interest-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-home-loan-variable-interest-only-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-home-loan-first-home-buyers-variable-principal-and-interest-owner-occupied-v3/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-home-loan-first-home-buyers-variable-principal-and-interest-owner-occupied-v4/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-home-loan-first-home-buyers-interest-only-owner-occupied-v3/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-home-loan-first-home-buyers-interest-only-owner-occupied-v4/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-rewards-package-variable-principal-and-interest-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-rewards-package-variable-interest-only-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-tide-you-over-home-equity-overdraft-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-bridging-finance-variable-interest-only/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-fixed-rate-investment-loan-variable-principal-and-interest/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-fixed-rate-investment-loan-variable-interest-only/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-investment-home-loan-variable-principal-and-interest/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-investment-home-loan-variable-interest-only/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-investment-loan-fixed-principal-and-interest/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-first-rate-investment-loan-fixed-interest-only/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-rewards-package-variable-principal-and-interest-investor/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-all-in-one-rewards-package-variable-interest-only-investor/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-shared-equity-advplus-owner-occupied/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-bridging-loan/</loc>
        <lastmod>2024-06-27T22:34:39+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-mortgage-offset-account/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-self-managed-super-fund-loan/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-vic-hbf-loan-offset/</loc>
        <lastmod>2024-11-17T21:07:07+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/home/target-market-determination-victorian-homebuyer-fund-home-loan/</loc>
        <lastmod>2024-11-17T21:07:24+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/</loc>
        <lastmod>2025-03-03T22:05:15+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-unsecured-personal-loan-variable-v3/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-unsecured-personal-loan-variable-v4/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-unsecured-personal-loan-variable-v5/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-secured-car-loan/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-unsecured-personal-loan-fixed/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-premium-personal-loan-variable-v3/</loc>
        <lastmod>2024-06-04T06:24:18+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-premium-personal-loan-variable-v5/</loc>
        <lastmod>2024-10-03T22:27:09+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-consolidator-loan-v5/</loc>
        <lastmod>2024-10-03T22:26:42+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-secured-car-loan-variable/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-overdraft-continuing-line-of-credit-v4/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-secured-car-loan-fixed-v3/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-secured-car-loan-fixed-v5/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-consolidator-loan-variable/</loc>
        <lastmod>2024-06-04T06:24:19+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/personal/target-market-determination-overdraft-continuing-line-of-credit-v3/</loc>
        <lastmod>2024-06-04T06:24:20+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/</loc>
        <lastmod>2025-03-03T22:05:15+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/target-market-determination-access-savings-account-may-23/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/target-market-determination-access-savings-account-v4/</loc>
        <lastmod>2024-06-04T06:24:17+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/target-market-determination-christmas-savings-account/</loc>
        <lastmod>2024-10-03T22:23:24+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/target-market-determination-standard-term-deposit-v5/</loc>
        <lastmod>2024-10-03T22:15:30+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/target-market-determination-budget-savings-account-v5/</loc>
        <lastmod>2024-10-03T22:26:05+00:00</lastmod>
    </url>
    <url>
        <loc>https://www.unitybank.com.au/reusable-documents/disclosure-documents/target-market-determination/savings/target-market-determination-kick-starter-term-deposit-v5/</loc>
        <lastmod>2024-10-03T22:14:33+00:00</lastmod>
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