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					                                                                                                                     NEWSLETTER
                                                                                                                   JANUARY / 2012




                                                                                  Smart PHone Banking Project
                                                   We are developing a smart phone banking platform. It’s a complex project and our
                                              team is working hard to get it right so we can introduce the technology later in the year.




                                             Branch                                          Home loan

                                             refurbishments                                  facts sheets
                                                                                             With recent changes to the National
                                             The Jimboomba and Charters Towers
                                                                                             Consumer Credit Protection Act 2009,

AGM
                                             branches underwent refurbishment
                                                                                             Queensland Country is now providing
                                             in December.
                                                                                             customers with key facts sheets on
                                             Jimboomba staff worked from a                   home loans.
In November, Queensland Country
                                             temporary site to ensure Member
held its 41st Annual General Meeting                                                         Introduced on 1 January 2012, key facts
                                             services were not impacted by the
in Mount Isa.                                                                                sheets provide product information in a
                                             renovations. Charters Towers branch
                                                                                             set format so it is easier for people to
The meeting was attended by many             renovations were able to be performed
                                                                                             shop around and compare loans. They
valued Credit Union supporters and           in two stages which allowed Members
                                                                                             also highlight important information such
reported on the organisations financial      to continue to access our services within
                                                                                             as the total amount to be paid back over
results for the year to 30 June 2011.        the branch.
Comment from the floor during question                                                       the life of the loan.
time delivered praise about Queensland       Both branches are now complete with
                                                                                             For more information on the key facts
Country’s Retirement Savings Account. It     modern finishes which we hear are being
                                                                                             sheets or to obtain a key facts sheet visit
was wonderful to receive this feedback       well received by Members and staff.
                                                                                             your local branch or www.qccu.com.au.
and reaffirms that Queensland Country’s
products assist Members achieve their

                                             Gladstone branch now open
financial goals and are appreciated within
our communities.

                                             Branch manager Lyn Nash and her staff have been busy since opening the new
                                             Gladstone branch in early November. In between welcoming new Members, the team has
                                             hosted a cinema movie premiere and a function where Member for Flynn Ken O’Dowd
                                             officially opened the branch.




                                                                                                                                PAGE 1
From the
CEO’S dESk
2011 was an eventful year for
Queensland Country. Achieving
                                                                                                   Christmas
our 40th year of operation was a
milestone the staff of Queensland
                                                                                                   Club Account
Country and many of our Members                                                                    Recent statistics collected by
were very proud of. We enjoyed                                                                     Queensland Country show a decline
sharing events with our communities                                                                in the number of people saving for
and were pleased many of our                     a point of almost outgrowing our Head             big events like Christmas.
Members were able to join us on                  Office building in Townsville. We have
                                                 purchased a parcel of land on a prime             Are you one of those suffering from
these occasions.
                                                 site in Townsville and will be building           overwhelming credit card debt because
Our 40th anniversary website is another          a new facility to accommodate our                 you didn’t budget for Christmas expenses
wonderful product of our celebratory year        growing Credit Union and Health Fund              last year?
and I encourage you to have a look at the        Head offices. This will be a very exciting        Talk to Queensland Country today about
photos and videos if you haven’t already.        time for Queensland Country and we                opening a Christmas Club account now
In November 2011 we expanded our                 believe the location will provide us with         so you can start saving and be more
branch network when we opened a                  excellent exposure.                               organised for the next festive season.
branch in Gladstone. As expected the             I trust you all had an enjoyable Christmas
membership base is steadily growing in           and New Year and I look forward
Gladstone and we have received a very
positive reaction to our new concept
                                                 to Queensland Country continuing                  CUTIPS fOOTY TIPPING
                                                 to look after your financial needs
branch which offers Members additional           throughout 2012.                                  Queensland Country is encouraging
experiences like touch screens to
                                                                                                   all Members to make this year’s footy
access product information and online            Regards
                                                                                                   tipping competition bigger and better
banking facilities.
                                                                                                   than last year.
Looking ahead, 2012 is going to be yet
                                                                                                   There are plenty of great prizes on offer
another exciting year for Queensland
Country. With the Credit Union                                                                     again and best of all its free!
                                                 Aileen Cull Chief Executive Officer
continually expanding we have reached                                                              Thirteen Queensland Country tippers
                                                                                                   scored prizes last season and the second

MEMbER             Satisfaction Survey                                                             highest tipper for the NRL competition
                                                                                                   was a fellow Queensland Country tipper
                                                                                                   and scored a whopping $1,000 prize.
The results from the 2011 Member Survey have been finalised and again report
impressive results with Queensland Country Credit Union continuing to score higher                 You can even set up your own mini
Member satisfaction ratings than banks. Member’s satisfaction with the overall service             competitions. Why not have separate
provided increased to 93%, cementing Queensland Country’s reputation as a high                     competitions for your family, friends
quality service provider.                                                                          and work colleagues. Start recruiting
                                                                                                   those you want to compete against
The results also highlighted opportunities for improvement. Initiatives to address these,
                                                                                                   now so when the footy tipping season
develop and improve Queensland Country’s product offerings are already underway.
                                                                                                   commences you’re ready to start the fun.




If getting more back from
your health fund matters
to you – talk to Queensland
Country Health Fund
1800 813 415 or pop in to you nearest Queensland Country branch.                              better health cover shouldn’t hurt
www.qldcountryhealth.com.au                                                                          Queensland Country Health Fund Ltd ABN 18 085 048 237




PAGE 2
                                                                                                                           congratulationS
     E-CLIENT

     numbers                                                                                                                          Carmel
     Member security is important at Queensland Country that’s why
     e-client numbers were introduced in 2010. The 10 digit numbers
     offer Members additional security when performing internet banking
     transactions and easier access to associated memberships when
     using CU Online.

     In the coming months system upgrades will specify that e-client
     numbers will be the only acceptable way to access online
     information so all Members are encouraged to use e-client
     numbers when accessing CU Online. Members who do
     not currently have an e-client number should visit
     their local branch to obtain one. It’s easy.




                                                           COMMUNITY                         Grants                           Queensland Country Branch
                                                                                                                              Sales Manager Carmel Dal
                           The Queensland Country Community Grants Scheme offers                                              Ponte is proudly enjoying her accolade
                      funding to clubs and not-for-profit community groups to help them                                       of 2011 Townsville Rural Remote
                 implement projects and programs that benefit Queensland communities.                                         Manager of the Year.
            Since 2004 Queensland Country has granted $1.37 million in funding, which has
                                                                                                                              Carmel’s application and panel interview
       helped 474 groups implement projects across Queensland.
                                                                                                                              left a lasting impression on the judges
     The scheme, now in its eighth                                     Queensland Country will be calling for                 leading her to take the title at the
     consecutive year, will be seeking                                 applicants soon so if you are part of, or              Management Excellence Awards
     applications for projects in the areas of:                        know of, a community group that has a                  luncheon in late 2011.

     • Environment                                                     great project to implement, now is the time            The recognition earned Carmel a place
                                                                       to start thinking about applying.                      to vie for title of 2011 Queensland
     • Health
                                                                       For more information talk to your local                Rural Remote Manager of the year in
     • Arts, Culture & Heritage
                                                                       Branch Manager or visit www.qccu.com.au                Brisbane. Congratulations to Carmel on
     • Education                                                                                                              her achievement and her contribution to
     • Sport & Recreation                                                                                                     our organisation.




                                       Worried about                                                                          Need
                                        retirement?                                                                           cash?
                                                                             relax.                                           Choose Westpac or St George ATMs to
                                                                                                                              receive free or reduced fee withdrawals*
                                                                             Your super is safe with
                                                                             Queensland CountrY’s                             *Queensland Country Credit Union has
                                                                             superannuation solution.
                                                                                                                              partnered with Westpac so Members can
                                                                             our retirement savings account has:              access more ATMs.
                                                                             •	No	share	market	exposure	
                                                                             •	Capital	guaranteed	by	QCCU                     This means Queensland Country
                                                                             •	No	administration	fees	and	a	                  Members can use any Westpac or St
                                                                               competitive	rate                               George ATMs and receive a number of
                                                                                                                              free withdrawals each month, before
                                                                             a refreshing attitude to banking
                                                                                                                              being charged a reduced fee. Refer to
Terms,	conditions	and	fees	apply.	This	product	is	issued	by	Queensland	Country	Credit	Union	Limited.	ABN	77	087	651	027	
Australian	Credit	Licence	244	533.	A	copy	of	the	Product	Disclosure	Statement	can	be	obtained	from	your	local	branch.	        fees and charges brochure for full details.
Before	acquiring	this	product	you	should	consider	whether	or	not	its	appropriate	for	you.




                                                                                                                                                                 PAGE 3
Country QUEENSLANd                                                                                            AT A GLANCE
PhOTO COMPETITION                                                                                             Figures
Capturing the spirit of country                                                                                                           Nov                  Nov
Queensland on film is no mean feat,                                                                                                       2010                 2011
but Queensland Country’s Members
managed to bring out the true                                                                                 Assets                     $990m              $1,123m
essence of what makes Queensland            Win
                                                ning                                                          Loans                      $833m               $917m
great as part of our recent                            phot
                                                             o by
photo competition.                                                   Ama
                                                                            nda
                                                                                   Neil                       deposits                   $881m              $1,012m
                                                                              n          so
The competition, held over eight weeks, called
on Members to submit photos around the theme of “Country
Queensland”. We received over 320 amazing photographs, which were whittled


                                                                                                              Changing
down to just 10 finalists by a panel of judges for public voting on Facebook.

The winning image following the public vote was “These boots are made for working”,
taken by Member and Charters Towers resident Amanda Neilson.
                                                                                                              rates
The photo epitomises the working lifestyle of Country Queensland and was described                            Keep up to date with our current interest
by Amanda as “An iconic outback symbol that can be found on any working property”.                            rates by visiting www.qccu.com.au
Amanda received $1,000 in prize money and her photo will become the new faceplate
design on a Visa debit card in 2012. Visit www.qccu.com.au to view all the entries.



Because life
                                              As a Queensland Country Member
                                              you are entitled to benefits on

doesn’t always                                ClearView life insurance cover


go as planned….
                                              that include:


Ever considered how a traumatic event
                                              • 10% premium discount on your policy
                                              • Extra 10% paid on all claims for
                                                                                                              Visit
                                                Serious Illness Insurance at ClearView                        Your local branch (check our website
could change your life? How it could
                                                                                                              for your closest branch details)
affect your income, your independence,          and Injury Cash Insurance at ClearView

                                                                                                              Web
your ability to pay the bills and the         • Extra 20% paid on accidental death
mortgage, and care for the people closest       for Life Insurance at ClearView
to you?                                         and Accidental Death Insurance at                             www.qccu.com.au
Unfortunately, many of us insure our            ClearView if not claiming under the
material possessions like our car and
house and forget about the most
                                                Motor Vehicle Accident Benefit
                                              • Guaranteed acceptance on
                                                                                                              Email
important asset, ourselves.                                                                                   info@qccu.com.au
                                                Accidental Death Insurance at

                                                                                                              Phone Service
Queensland Country has partnered with           ClearView and Injury Cash Insurance
ClearView to provide Members access             at ClearView
to a suite of life insurance options for      Secure peace of mind for you and your                           Landline 1300 722 812
you and your loved ones that can help         family. To find out more about these
                                                                                                              Mobile (07) 4728 2666
with financial recovery in the event of       insurance cover options and receive a
a tragedy.                                                                                                    General Insurance 1800 722 811
                                              quote visit your local branch or


                                                                                                              Mail
You can choose affordable life                www.qccu.com.au.
insurance options that suit
your needs:                                                                                                   P.O. Box 679 Aitkenvale Qld 4814
• Life Insurance at ClearView
• Accidental Death Insurance at                                                                               Before acquiring any Queensland Country financial product
                                              Disclaimer: ClearView Life Assurance Limited ABN 12             or service mentioned in this newsletter you should consider
  ClearView                                                                                                   whether or not they are appropriate for your circumstances
                                              000 021 581 AFS Licence No. 227 682. This is general
                                              information only and does not take into account any             and obtain the relevant Product Disclosure Statement,
• Injury Cash Insurance at ClearView                                                                          Product Information Brochure, Terms and Conditions, and
                                              particular person’s objectives, financial situation or needs.
                                              Before acting on such information, you should consider          Fees & Charges Brochure which are available from any
• Serious Illness Insurance at ClearView                                                                      Queensland Country Credit Union Branch. Fees and charges
                                              the appropriateness of the information having regard to
                                              your personal objectives, financial situation or needs. You     may apply to products. Normal lending criteria applies to loans.
They are simple to apply for with no                                                                          Queensland Country Credit Union Limited. ABN 77 087 651
                                              should read the relevant PDS before making any decision
medical or blood tests required.              about acquiring or continuing to hold a product.                027 AFSL/Australian Credit Licence 244 533 Queensland
                                                                                                              Country Health Fund Ltd. ABN 18 085 048 237


PAGE 4

				
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