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ABN 41 087 650 066
AUSTRALIAN CREDIT LICENCE / AUSTRALIAN FINANCIAL SERVICES LICENCE 238283
March 2015
OUR HOME LOAN RATES
ARE GOING DOWN…
APPLY BY 31 MARCH 2015 AND RECEIVE THE FOLLOWING ADDITIONAL BENEFITS
on new Home & Investment Loans
Minimum $150,000 in new borrowing
Terms and Conditions apply and are available at www.firecu.com.au
At the Fire Brigades Employees’ Credit Union we ‘keep it simple’. Our range of housing loans is simple,
understandable and competitive; and you do not need to pay a higher rate for features you won’t use.
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$0 Application Fee
Receive $500 when a new mortgage security is taken
100% Offset Account
Unlimited Free Redraws
No penalty for Additional Repayments
1% p.a. off the Variable
Rate Offer for 12 months
Comparison Rate
Budget Home Loan
3.96% p.a.
4.90%p.a.
Extinguisher Package Home Loan Tier 2
3.80% p.a.
4.99%p.a.
3.70% p.a.
4.89%p.a.
VARIABLE INTEREST RATE HOME LOANS
(Loan amounts $400,000 - $599,999)
Extinguisher Package Home Loan Tier 3
(Loan amounts over $600,000)
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Please refer to the warning and Terms and Conditions on page 4.
Whether you are planning to buy your first home, an investment property, or just upgrade to a new home, come
and talk to us first. We will take you through the process in a stress-free, friendly way so that you understand what
is happening every step of the way.
A PERSONAL LOAN FOR
BIGGER THINGS
If you have a longer term need like a holiday, new car, computer,
entertainment system or other ‘big ticket’ item, getting a personal
loan could save you money in the long run.
When you’re calculating how much you are borrowing, you may
consider combining other loans and cards so you have one
manageable loan rather than several. You can pay it off faster, so
you are out of debt sooner.
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PEACE OF MIND
FOR YOUR MOST
TREASURED ITEMS
Fire Brigades Employees Credit Union knows our members
expect a range of insurance products that offer great value to
cover unexpected events.
This is why we have chosen Allianz Australia as our preferred
insurance provider for you. Allianz provides a range of insurance
products with options you can choose to suit your individual
needs, Allianz makes it easy for you to purchase products, all
you need to do is telephone or request an online quote and buy
online.
Our home building and contents insurance from Allianz includes
a range of features and benefits, to give you peace of mind
should the unexpected happen.
Home and Contents Benefits:
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Up to $5,000 cover for your guests’, visitors’ or helpers'
damaged property
Up to $5,000 cover for fraudulent use of lost or stolen
credit cards
Cover accidental breakage of glass
Cover for fusion of household electrical motors up to 10
years old
Up to $500 for spoilage of refrigerated / freezer food
Up to $500 veterinary expenses if your pet is injured in
a road accident

Up to 12 months temporary accommodation if your
home is uninhabitable as a result of an insured event
A range of options including cover for jewellery and cameras
temporarily removed from your home
Extra ways to save:
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Combined buildings and contents discount When you combine your buildings and contents covers
on the one policy, you'll be rewarded with a discount of
up to 10% 3
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30% No Claim Bonus – We offer up to 30%
No Claim Bonus on our home insurance policy,
meaning you’ll save on your premium each year you
don’t make a claim, up to a maximum 30% 3,4
Increase your excess to reduce your premium –
Our home insurance allows you to increase the excess
payable in the event of a claim and we’ll reduce your
premium *may not be available if an imposed excess
applies.
For Home Insurance contact Allianz directly on
1800 788 788 or quote and buy online at
www.firecu.com.au/insurance.html
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Please refer to the Terms and Conditions on page 4.
We are moving to new premises
Our new Head Office is scheduled to open on March 16th
2015 and is Located on Level 9, 1 Oxford Street
Darlinghurst. The new Office is approximately 400 metres
from our old location in Castlereagh Street.
Credit Union Management and Staff invite you to visit us next
time you are in the Sydney CBD. It’s just a short stroll from
Museum Station.
Once confirmed, the official relocation date will be published
on our website.
Should you have any questions please
contact Mark Favretti Operations Manager on 02 9267 3098.
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ePayments Security - Keeping your PIN and money safe
To guard against unauthorised electronic transactions, whether
Our General Terms and
via the use of cards, Rediphone, internet or mobile banking
Conditions are available from our
where an access code (e.g. Personal Identification Number (PIN)
website or by contacting us, and
or passcode) is used, it is important to follow the security
the ePayments Code can be
guidelines set out below.
accessed from the ASIC website
Remember your card PIN may be changed at any of the
(www.asic.gov.au).
rediATMs that display the ‘change PIN option’ it is also very
important that you don’t store your PIN with your card for
security purposes.
Following these guidelines does not mean that you cannot be
liable for unauthorised transactions. For example, an
unreasonable delay in advising FBECU after you become aware
Device and Pass Code Security:
of unauthorised transactions may result in your liability being
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Sign your card as soon as you receive it.
Keep your access devices (e.g. cards) and pass codes (e.g.
PIN, passwords) in a safe place.
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Do not select a pass code which represents your birth
date or your name.
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Never write the pass code on your card or on anything
kept with or near your devices (e.g. your pc).
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Never reveal your pass code or lend your card to
another person (including family).
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Use care to prevent anyone seeing the pass code being
entered on a device.
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Immediately report the loss, theft or unauthorised use of
your pass codes and devices.

Always access the telephone banking or online banking
service using the official phone numbers or URL
addresses.
These guidelines do not determine your liability for losses
affected.
resulting from unauthorised transactions, liability is determined
monitoring of foreign transaction activity on your Visa Debit
according to the provisions of the ePayments Code and our
card.
We will never ask you to provide or to confirm details
of your pass code or access device. (Your Rediphone
password will be requested only if you call FBECU, we
will not call and ask you).
Report Lost or Stolen Cards by calling our Head
Office on 02 9267 3098 or 1800 800 225 .
Before travelling overseas don’t forget to advise the
Credit Union. Your overseas destination(s) and travel dates
will be recorded on your account and will assist with
General Terms and Conditions.
You can change your PIN at rediATMs
Whether you want to change your PIN for security reasons or to
reduce the number of PINs you have to remember, it’s now a whole
lot easier. Because now you can do it on the fly – whenever you’re at
a rediATM* that displays the “change PIN” option.
Is there a rediATM near me that has a PIN change option?
cash withdrawal
transfer
Next time you use a rediATM* near you, just keep an eye out for the
“change PIN” option on the screen (see the screenshot opposite).
balance enquiry
If your rediATM displays this option, you’ll see it at the foot of the
Keep an eye out for
this option on your
change PIN
rediATM screen
*PIN change is not available on rediATMs operated by NAB or BOQ.
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screen that appears once you’ve entered your PIN. Just select the
option and follow the prompts. It’s then simply a matter of entering
the new PIN of your choice and confirming it. Very quick and easy!
New Look Statements
We have redesigned our statements to help you find all the
important information you need at a glance. Our changes
include:
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An Account Summary on the first page listing all
your saving, loan or investment accounts, their closing
balances and account owners.
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A unique nine digit Account Number for each of
your saving, loan or investment accounts that will
enable you to electronically transfer funds directly into
the account, in combination with BSB 802 825
e.g. To transfer directly to your S5 High Returns
Savings use the 9 digit number listed next to S5 on
your account statement as the account number and
use our BSB number 802825 and your electronic funds
will be deposited directly to the S5 account.
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A monthly Fee Summary Disclosure table detailing
the breakdown of your transactions undertaken and if
any applicable fees were charged.
At FBECU, we want to make a positive difference to the
environment by encouraging our members to opt out of paper
statements via internet banking.
With Online Statements, you can take advantage of:
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24/7 access to your past and present statements
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Receive email alerts when your statement is available for
viewing
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Reduced paper filing for you.
If you have any queries regarding your new look statement,
please call us on 02 9267 3098 or email us at
[email protected]
Credit Unions Terms and Conditions Update
Changes were made to our Terms and Conditions document
effective from 1 January 2015.
A copy of the updated Terms and Conditions is available on our
website. It is important that you read this document carefully
and retain it for your records. Contact the Credit Union on
02 9267 3098 or email us at [email protected] should you
wish to have a hard copy mailed to out.
Plan now for Christmas
Did you overspend last Christmas? A FBECU Christmas Club
account is a great way to save and plan for the extra cash you’ll
need so that you aren’t short of money at this busy time of the
year!
Contact the Credit Union by phone or email and we can arrange
an account.
Resolving disputes
FINANCIAL OMBUDSMAN SERVICE
While the Credit Union always strives to offer a highly professional and mistake free service, we are also human.
If at any time you have a concern or complaint, please do not hesitate to bring it to our
attention so that we can rectify the matter to your complete satisfaction.
In the first instance, you should contact the Credit Union’s Dispute Resolution Officer on
02 9267 3098.
If you remain unsatisfied, then you can refer the matter to our external and independent
dispute resolution centre:
Phone 1300 78 08 08 *
Fax 03 9613 6399
Post GPO Box 3, Melbourne VIC 3001
Email [email protected]
Website www.fos.org.au
* 9am – 5pm AEST. Calls will be charged for the cost of a local call
from landlines. Calls from mobile phones will be charged at the
applicable rate from your carrier.
TERMS & CONDITIONS - ARTICLE ‘OUR HOME LOANS ARE GOING DOWN’
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$0 Application Fee does not include 3 party costs such as valuation, government fees, or mortgage service fees
2 Comparison rate calculated on a loan of $150,000 over 25 years with monthly repayments. Warning: Comparison rates apply only to the examples given. Different amounts and terms will
result in different comparison rates. Costs such as redraw fees or early repayment fees and costs savings such as fee waivers are not included in the comparison rate but may influence the cost
of the loan.
 The Variable Rates available under this special offer apply to applications submitted from 22 December 2014 until 31 March 2015. The discounted variable interest
rate is subject to change and applies from the date of first drawdown on the loan.
 FBECU reserves its rights to withdraw the offer at any time. This offer is not available in conjunction with, or in addition to, any other special offers.
 A limit of one $500 reimbursement per application / membership and is only applicable if a new mortgage security is taken.
 Any subsequent top ups or new mortgage borrowings will be at the standard variable rate for the home loan you choose applying at that time; and the special offer rate will not apply.
If you choose to fix a portion of your loan the fixed interest rate will be set at the then current fixed rate available for your product selection.
 A $300 Annual Fee applies to the Extinguisher Package Home Loan
 Terms and conditions and normal lending criteria apply. Fees and charges may also apply.
TERMS & CONDITIONS - ARTICLE ‘PEACE OF MIND FOR YOUR MOST TREASURED ITEMS’
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Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a
predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to any flood component of
the premium (if applicable).
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To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However customers who have had up to two
claims may still qualify for reduced No Claim Bonus.
Fire Brigades Employees Credit Union Limited arranges this insurance as agent for the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence No. 234708. We do
not provide advice on this insurance based on any considerations of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please
read the Classic Home Insurance Product Disclosure Statement available on our website or by calling Allianz on 1800 788 788, If you purchase this insurance, Fire Brigades Employees Credit
Union Limited will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services.
FIRE BRIGADES EMPLOYEES’ CREDIT UNION LTD
Postal Address PO Box A680, Sydney South 1235
[email protected]
www.firecu.com.au
Phone 02 9267 3098
Fax 02 9283 2654
Toll Free 1800 800 225 (outside Sydney Metropolitan Area)
Your needs and financial circumstances have not been taken in to account. You should consider whether or not these products are appropriate for you.
Lending criteria, Terms and Conditions, Fees and Charges apply.