Disclosure Documents

Notice of Change (June/July 2025)

To prepare of our transition away from cheque services and the addition of Confirmation of Payee in our internet banking and mobile banking app, we've updated the following documents, effective 1 June 2025:

Conditions of Use
Summary of Accounts & Access Facilities
Schedule of Fees & Charges

The key changes in these documents relate to:

• Removal of references to depositing cheques and related cheque services
• Defining what the Confirmation of Payee service is, and how we use and disclose transactional and account data
• Behaviour and conduct required to hold a membership with us
• Clarification of cut-off times for interest calculations

Home loans

Loan terms and conditions are specific to each loan and are available on application. Loan fees and Mortgage Offset conditions are contained below:

Schedule of Loan Fees & Charges
Mortgage Offset Account Conditions of Use
Interest Rate Sheet - Loans

Digital payments

Specific terms and conditions for payment services are detailed below:

Digital Wallet Terms of Use
Guide for Making Osko Payments
Customer Terms for Creating and Using PayID

Privacy

Privacy & General Information are detailed in the following guide:

Privacy & General Information

Target Market Determinations

Target Market Determination documents are available here:

Target Market Determinations

Financial Services Guide

To assist you in making decisions with any financial services we offer, use the following guide:

Financial Services Guide (FSG)