Wide Bay Australia launches new low fee account_ the home loan

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Wide Bay Australia launches new low fee account_ the home loan Powered By Docstoc
                                                                                                                                                                                                                                                                   WINTER 2005

                                                                                                                                                                                                                                                                   INSIDE THIS ISSUE 01 the benefits of a Wide Bay Australia home loan 02 managing director’s message 02 third Rockhampton branch opens
                                                                                                                                                                                                                                                                   02 new loans consultant for Tannum Sands/Boyne Island 02 leasing and rentals for business 03 Wide Bay Australia Staff Achievement Awards
                                                                                                                                                                                                                                                                   03 customer feedback form 04 Wide Bay Australia launches new low fee account

                                                                                                                                                                                                                                                                   the home loan maze
                                                                                                                                                                                                                                                                   can be confusing!
                                                                                                                                                                                                                                                                   That’s why it’s reassuring that our customers are
                                                                                                                                                                                                                                                                   telling us that they are happy with their home loans!
                                                                                                                                                                                                                                                                   While we strive to make our home loans AFFORDABLE
                                                                                                                                                                                                                                                                   and FLEXIBLE the big difference is that there’s always a
                                                                                                                                                                                                                                                                   REAL PERSON you can talk to who is just a phone call away!
                                                                                                                                                                                                                                                                   And unlike most banks you won’t be put into a call queue!
                                                                                                                                                                                                                                                                   You can contact us about your loan from anywhere in Australia on
                                                                                                                                                                                                                                                                   1300 138 831 for the cost of a local call (a higher charge may apply
                                                                                                                                                                                                                                                                   for calls from mobile and public phones)
                               If your current bank, building society or credit union can’t match all this...                                                                                                                                                      A real person is available when you need them to answer your
                        then it’s time for you to open a Today’s Options Account for your everyday banking !                                                                                                                                                       questions, discuss your loan, help you with additional finance, or give
                          Today’s Options allows you to withdraw using Wide Bay Australia’s branches and                                                                                                                                                           you important advice when your circumstances change.
                          ATM’s, internet and phone banking, B PAY, personal cheques and EF TPOS as many
                                                                                                                                                                                                                                                                   Some of the benefits of a Wide Bay Home Loan (L1) include:
                              times as you wish for only $5 a month... plus you’ll get a whole lot more.
                                                                                                                                                                                                                                                                                                                                                                                                                             “In 1968 you gave me my first
                                                                                                                                                                                                                                                                   A competitive interest rate - make sure you look at the Comparison Rate when
                                            Make the change to a Today’s Options Account                                                                                                                                                                                                                                                                                                                             home loan, when our regular bank would not
                                                                                                                                                                                                                                                                   comparing home loans as this takes into account many ‘hidden costs’.                                                                                 help us, for which I thank you very much.
                                                 and start banking your way today!
                                                                                                                                                                                                                                                                   No monthly or annual loan fees                                                                                                                            I am one of your happiest fans.
                                         Call 1300 138 831 or visit a Wide Bay Australia branch                                                                                                                                                                    Mortgage Muncher 100% Offset account - every dollar saves you interest on                                                                  Stay just the way you are. Even though times have changed
                                         Account available for personal use only - business entities, associations and trusts not eligible. Non-Wide Bay ATM transaction fees, service related and Government fees and charges etc will apply. Wide Bay            your loan plus you can take advantage of a range of banking services. Unlike most                                                             over the year you still offer that same friendly service
                                         Australia Ltd ABN 40 087 652 060, AFSL No 239686 issues the Today’s Options Account and non-cash payment facilities that may be used in conjunction with this Account. We do not provide advice about this
                                         Account or these facilities based on any consideration of your personal objectives, financial situation or needs. To decide if they are right for you please carefully read the Product Disclosure Statement available    other 100% offset accounts you even get the 100% offset on fixed rate loans                                                                         and that is the hallmark of your success.”
                                         at our branches or www.widebayaust.com.au. Cheque services are available by arrangement with Westpac Banking Corporation ABN 33 007 457 141. BPAY ® registered to BPAY Pty Ltd ABN 69 079 137 518.

                                                                                                                                                                                                                                                                   Flexible payment options - Principal and Interest or Interest Only payment options                                                                          D. Fitzgerald ( Boyne Island, Qld )

Wide Bay Australia launches new low fee account!                                                                                                                                                                                                                   Rate switch allowed - change from a variable rate to a fixed rate at any time
                                                                                                                                                                                                                                                                   Lump sum or additional payments allowed - no penalty even on fixed rate loans
                                                                                                                                                                                                                                                                                                                                                                                                                                                “ Your service is
There may never be a better time to switch your bank accounts!                                                                  “We expect it will be very popular and we encourage local people                                                                   Weekly, fortnightly or monthly payments - your choice
                                                                                                                                to visit Wide Bay Australia and discuss their personal banking needs                                                                                                                                                                                                                                     first rate... far superior than
Wide Bay Australia has launched a new deposit account that provides                                                                                                                                                                                                Payment “holiday” allowed if in advance                                                                          “It’s a pity more
fee-free withdrawals.                                                                                                           with our friendly local team.”                                                                                                                                                                                                                                                                          other financial organisations.”
                                                                                                                                “Of course we still have a range of other transaction, savings and
                                                                                                                                                                                                                                                                   Interest prepayment allowed                                                                                   banks aren’t like you!”                                             J. Cooper
The Today’s Options Account, available for personal use only,
                                                                                                                                investment accounts catering to many individual needs.”                                                                            Free loan statements - up to one per month                                                                                C. Newman                                           ( Brisbane, Qld )
provides unlimited free Wide Bay Australia withdrawals in return for a
                                                                                                                                Mr Hancock advised that Wide Bay Australia has also launched a                                                                     Free phone and internet banking helps you manage your loan                                                              (Caloundra, Qld)
flat monthly Account Fee of $5.00.
Free transactions include withdrawals at Wide Bay Australia Branches                                                            new business cheque account.
                                                                                                                                                                                                                                                                   Cashcard for access to giroPost - plus ATM’s and EFTPOS
and ATM’s, Personal Cheque, EFTPOS, Direct Debits, BPAY and                                                                     The Today’s Business Account allows businesses a higher                                                                            if you have a Mortgage Muncher                                                                                                                                                         “I won’t bank
Internet and Telephone Banking transfers.                                                                                       threshold of cheque deposits and withdrawals and free BPAY - with                                                                                                                                                                                                             “ Your staff show                          anywhere else!”
                                                                                                                                a competitive $8.00 a month Account Fee.                                                                                           Pay by the month home and contents or landlords insurance                                                                              the greatest respect and
Ron Hancock, Managing Director, advised that Wide Bay Australia                                                                                                                                                                                                                                                                                                                                                                                               T. Maizey
was one of the first non-bank financial institutions to offer such an                                                           He said the new Accounts have been introduced in response to                                                                       Home Equity or Additional Loan (reduced application fee and requirements)                                                                 are always helpful.”                         (Maryborough, Qld)
Account.                                                                                                                        customers’ needs.                                                                                                                  Bridging Loan - finance your new property before selling your old one                                                                                 M. Kippen
“Today’s Option’s Account will suit people who struggle to track their                                                          “As part of our philosophy of Banking Your Way, we will continue to                                                                                                                                                                                                                    (Cooroy, Qld )
transaction usage and incur transaction fees as a result.”                                                                      provide banking and financial services catering to the needs of                                                                    If you’d like to know more about any of these benefits, or you have a friend or
                                                                                                                                different parts of the community.”                                                                                                 family member considering a home loan, make sure you talk to a Wide Bay Australia                                                                                          “ I’ve never had a
“The Today’s Option’s Account makes it easy to budget a monthly                                                                                                                                                                                                                                                                                                                                                                         complaint about service since
amount for the cost of your banking”.                                                                                                                                                                                                                              Loan Consultant. They’re professionals who want to help you! Call us on 1300 138 831.
                                                                                                                                                                                                                                                                                                                                                                                                                                        I began dealing with Wide Bay
                                                                                                                                                                                                                                                                  * Subject to qualifying criteria.
                                                                                                                                                                                                                                                                   This comparison is based on Wide Bay Australia’s Wide Bay Home Loan (L1) - our most popular loan type loan benefits may vary between loan types.                              27 years ago.”
Wide Bay Australia Ltd ABN 40 087 652 060 AFSL No 239686      HEAD OFFICE Wide Bay Australia House 16-20 Barolin Street Bundaberg Qld 4670 Australia                                                                                                               Full details of terms and conditions of our home loans and associated benefits on application. Fees and charges apply.
telephone (07) 4153 7777 facsimile (07) 4153 7714    email widebay@widebayaust.com.au website www.widebayaust.com.au        HOTLINE 1300 138 831                                                                                                                    Wide Bay Australia Ltd (AFS Licence No: 239686) issues the “Mortgage Muncher” 100% Offset account and non-cash payment facilities that may be                           I. Harrison ( Bundaberg, Qld )
                                                                                                                                                                                                                                                                   used in conjunction with this Account. We do not provide advice about this Account or these facilities based on any consideration of your personal
Disclaimer - The information in this publication has been prepared by Wide Bay Australia Ltd and includes information about Wide Bay’s products and services as well as estimates and forecasts. Wide Bay has made every                                            objectives, financial situation or needs. To decide if they are right for you please carefully read the Product Disclosure Statement available from our
effort to ensure the accuracy of all published information. Full terms and conditions of Wide Bay’s products and services including any applicable fees and charges are available on application. We do not provide advice about                                   branches or our website.
our Account or our Non-Cash Payment facilities based on any consideration of your personal objectives, financial situation or needs. To decide if they are right for you please carefully read the Product Disclosure Statement
available at our branches or www.widebayaust.com.au. The information contained in this publication is collected from a variety of sources, some of them external third parties. The opinions and information provided by those
third parties should not be treated as advice and do not necessarily reflect the views of Wide Bay Australia Ltd. Contents of this publication should not be used as the sole basis for financial decisions. We advise you seek
independent advice. The information is current at date of publication but may change without notice.                                                                                                                                                                                                                                                                                                    www.widebayaust.com.au
                                                                                                                                                                                                                                                                                                                              another example of our commitment

                                               Wide Bay Australia opens a                                                                                              you can nominate                                                                                    To whom it may concer
                                                                                                                                                                                                                                                                                                                              to meeting your home loan needs...

                                                                                                                                                                                                                                                                                                      bought our first home
                                               third Rockhampton branch!                                                                                               a Wide Bay Australia                                                                                Twelve months ago we h rate, and not missing a weekly repayment,
                                                                                                                                                                                                                                                                           After 12 months at a hig eir limit (we had to use these to basically
                                                                                                                                                                                                                                                                                                    to th
                                                                                                                                                                                                                                                                           our credit cards were we decided it was time to look at trying to
                                               While some financial institutions have been closing branches, Wide Bay Australia Ltd
                                               has expanded its presence with the opening of a third full service branch at Allenstown                                 staff member for our                                                                                 on for the 12 months) use.
                                                                                                                                                                                                                                                                            refinance, or sell our ho                         y Australia’s Morayfiel
                                               Plaza Shopping Centre in south Rockhampton, Central Queensland.
                                               The new branch compliments Wide Bay’s existing branches at East Street, Rockhampton and                                 Staff Achievement Awards!                                                                            Andrew Hicks      and the team at Wide Ba d to us by two people. Not
                                                                                                                                                                                                                                                                                                        been recommende
                                                                                                                                                                                                                                                                             Caboolture branch had out Wide Bay, we thought “what can we lose”.
                                               Stockland Rockhampton.                                                                                                  Wide Bay Australia recognises our staff members in monthly                                            knowing anything ab                   quiry almost immediat
                                                                                                                                                                                                                                                                                                                                                 ely. At our
                                               Ron Hancock, Managing Director said the new branch provides additional service to Wide Bay’s                            Wide Bay Australia Staff Achievement Awards. These include the
                                                                                                                                                                                                                                                                             Andrew    replied to my initial envery comfortable, and that there may
                                               local customers and give the residents on Rockhampton’s                                                                                                                                                                                                  e us feel
                                                                                                                                                                                                                                                                             first interview, he mad started a new job. When he came back and
                                                                                                                                                                       Corporate Values Award, Customer Care Award and the High
                                               south side an additional banking option.                                                                                Achiever Award.                                                                                                             d just                                              e moon.
managing director’s                                                                                                                                                                                                                                                           be hope for us. I ha                         help us, we were over th
                                               “We have been part of Rockhampton for over 30 years and
                                                                                                                                                                       The Corporate Values Award recognises staff who demonstrate                                            told us that  Wide Bay was going to ected, but Andrew worked hard,
                                                                                                                                                                                                                                                                                                          lower then exp
message                                        the Rockhampton community has played an important
                                               par t in Wide Bay Australia’s development,” he said.
                                                                                                                                                                       corporate values which include leadership, relationships,                                              Our valuation came in all times.
                                                                                                                                                                       performance, growth, ambition and flexibility.                                                         keeping us informed                 loan and credit cards.
                                                                                                                                                                                                                                                                                                                                             Our repayments
Thanks to the support of both our new and      “In particular, we’ve helped hundreds of Central
                                                                                                                                                                       Leadership - strong leadership, expertise, innovation and progress                                      We con  solidated our existing y is now $50 less than what we were
existing customers - Wide Bay Australia                                                                                                                                                                                                                                                                    Wide Ba
                                                                                                                                                                                                                                                                               with our new loan with be at least $500 better of f a month, which
                                               Queenslanders obtain a home of their own, with
continues to show strong growth in lending.                                                                                                                            are important to Wide Bay Australia and ensure we control our own
                                               competitive and flexible home loans.”
                                                                                                                                                                       destiny, build our reputation and add to our achievements.                                              paying before .   We will
                                                                                                                                                                                                                                                                                                            live a little!
The opening of a new branch in Parramatta      “Chris Ward, our new Regional Manager and our locally                                                                                                                                                                           means we can actually                        ebody, and never spoke
                                                                                                                                                                                                                                                                                                                                                           down to
                                                                                                                                                                                                                                                                                              e to us like we were som ly).
in 2004 has seen a significant contribution    employed branch teams offer a wide range of home                                                                        Relationships - our success is built on the relationships we share
to our lending program in New South Wales                                                                                                                              with our customers, shareholders and each other. We value their                                         Andrew spok                  enced previous
                                               finance, investment, insurance and banking ser vices.”
                                                                                                                                                                       loyalty and are committed to providing service excellence.                                               us (which we had experi                   yfield who has helped bo
                                                                                                                                                                                                                                                                                                                                                          th my
                                                                                                                                                                                                                                                                                           thanks to Debbie at Mora wait for the final result, even on
and our lending in Melbourne is also strong.   “Our new branch will increase our local presence and we
                                                                                                                                                                       Performance - we take seriously our commitment to our                                                    A special                    a nailbiting
Many Queensland customers are currently        expect many new customers to take advantage of our        Vicky Powell and Karen Kime - your new
                                                                                                                                                                       shareholders, customers and ourselves to be strong and to                                                husband and I through calling her about the same thing. She was
taking advantage of the increased value in     competitive range of loans and banking services.”
                                                                                                                                                                                                                                                                                the days when we     re both                                                  e would
                                                                                                                                                                                                                                                                                                                              , and when she said sh
                                                                                                          Allenstown customer ser vice consultants
their properties to arrange additional loans                                                                                                                           consistently perform above and beyond expectations.
                                                                                                                                                                                                                                                                                 pleasant, helpf ul and understandingMorayfield are also very friendly.
                                                                                                                                                                                                                                                                                                            d. The tellers at
for investment purposes, home extensions
and improvements or to consolidate other       full time home loan consultant                                                                                          Growth - by growing our business, our products and services and our
                                                                                                                                                                       people we will be leaders in the competitive banking and financial
                                                                                                                                                                                                                                                                                 return our calls, she di
                                                                                                                                                                                                                                                                                 We just wa   nt to say a big THAN Australia to everyone we speak to.
                                                                                                                                                                                                                                                                                                             Wide Bay
                                                                                                                                                                                                                                                                                                                          K YOU for this opportu
                                                                                                                                                                                                                                                                                                                                                       nity, and we
As advised in our Summer edition of “Your      appointed in Tannum Sands / Boyne Island                                                                                services industry.
                                                                                                                                                                       Ambition - our Board and management team share a drive to succeed
                                                                                                                                                                                                                                                                                  will be recommending
                                                                                                                                                                                                                                                                                  Troy and Karen Beeston ary Q 4505                                             permission of client
                                                                                                                                                                                                                                                                                                                                            reproduced with the
Way” we are focussing on a steadily            Wide Bay Australia has appointed a full time home loan consultant for the Tannum Sands/                                 as a publicly listed company, as a financial institution, as an employer
                                                                                                                                                                                                                                                                                  29 Grigg Drive, Burpeng
controlled expansion of our branch network.    Boyne Island area. Tannum Sands is south of Gladstone in Central Queensland.                                            and as an active member of the community.
In addition to Parramatta, we have just        Linda Sendall will be based at Wide Bay Australia’s branch at the Tannum Central shopping complex.                      Flexibility - being flexible allows us to respond quickly to change, to
opened a new branch at the Allenstown                                                                                                                                  capitalise on opportunities and deliver financial solutions to meet
                                               Linda has a wealth of experience in providing home loans and financial services.
Shopping Centre in south Rockhampton.                                                                                                                                  our customers’ changing needs.                                                                 High Achiever Award
                                               Until recently, Linda was the Loans Assistant to Wide Bay’s Gladstone Manager
We have also completed negotiations for        and Loan Consultant, Cheryl Lee, where she had the opportunity to assist a                                              Customers who believe one of our Wide Bay Australia staff have                                 Wide Bay Australia values branch staff who strive to meet our
premises at Mt Gravatt in Brisbane, where      number of local people with home loans and related finance.                                                             demonstrated one or more of these qualities can nominate them for                              customers needs by promoting and selling our products.
it is anticipated that a new branch will be    Linda also spent seven and a half years at Wide Bay Australia’s Head Office Loans                                       the award. Simply complete the Customer Comment card below, or                                 The High Achiever Award allows Wide Bay Australia to recognise
open in July 2005.                             Department which greatly increased her knowledge of lending. She has also                                               send us a letter or email to management@widebayaust.com.au                                     the efforts and contribution of an individual staff
A further branch will be opened in             completed a Certificate Four in Financial Services in 1997 and was the recipient                                        Customer Care Award                                                                            member from within the Wide Bay Australia branch
Camberwell in Melbourne in approximately       of the Top National Student Award for her study - the youngest ever recipient.                                                                                                                                         and agency network. Recipients of the award are
                                                                                                                                                                       Wide Bay Australia promotes service to customers as an important
October 2005 when building construction        Linda looks forward to helping new and existing customers.                                                                                                                                                             selected based on effort and sales results.
                                                                                                                                                                       par t of our charter.
at that location is completed.
These branches will have full time loan                                                                                                                                The Customer Care Award allows Wide Bay Australia to recognise the
consultants as well as retail banking          did you know that Wide Bay Australia can assist you and your                                                            contribution of an individual staff member from within any level or
                                                                                                                                                                       part of the organisation.
facilities meaning that our existing
customers in those areas will have easier
access to our full range of banking,
                                               business with leasing or rental finance?                                                                                Customers who believe they have received an exceptional level of
                                                                                                                                                                       service may also nominate a Wide Bay Australia staff member by
insurance and financial services and the       For example, we can help you arrange finance for new or used :                                                          completing the Customer Comment card below , or by sending us a
opportunity to better experience our              plant and equipment                                                                                                  letter or email to management@widebayaust.com.au
personalised style of business.                   motor vehicles                                                                                                                                                                                               pictured:
                                                                                                                                                                                        Angela Fing - Senior Customer Service Consultant at Nambour, two time recipient
                                                  computers and software                                                                                                                                          of the High Achiever Award for meeting customer needs
                                                  office equipment, photocopiers and faxes
                                                  telephone, communication and security systems
Ron Hancock
                                                  restaurant and café equipment
Managing Director
                                                  farm and earthmoving equipment                                                                                           share your comments with us too!                                                                                                                   Thank you for taking the time to provide your
                                                  fit-outs and furniture                                                                                                                 ,
                                                                                                                                                                           Meeting our customers needs is impor tant to us.                               Any other comments?                                                 comments!
                                                  cleaning and maintenance equipment                                                                                       At Wide Bay Australia we strive to provide a high level of                                                                                         Your name
                                                  medical equipment                                                                                                        ser vice and welcome your feedback and ideas on how we can
                                                                                                                                                                           improve our home loans and service.
                                               You can arrange a lease or rental contract for up to five years. A lease will include a residual
                                               amount to suit your needs.                                                                                                  Is there anything we can do to enhance our loan facilities or
                                                                                                                                                                           ser vices for you?                                                                                                                                 Your Wide Bay Australia Account No.
                                               Alternatively you can rent the item and return it to us at the end of the rental period or make
                                               an offer to purchase the item.
                                               If your business sells new or used business equipment we also offer a personalised leasing
                                               or rental vendor program that can assist you to increase sales, help you get paid faster and                                                                                                                                                                                   Hand this form into a Wide Bay Australia branch
                                               create happy customers.                                                                                                                                                                                                                                                        or post in an envelope (no stamp required) to:
                                               For more information contact Bruce Staf f or John McDonald on ( 07 ) 3368 2382                                                                                                                                                                                                 Attn: Executive Manager
                                               or visit w w w.minilease.com.au                                                                                                                                                                                                                                                Wide Bay Australia            By completing this form you
                                                                                                                                                                                                                                                                                                                              Reply Paid 1063          acknowledge that Wide Bay may
                                                                                                                                                                                                                                                                                                                                                      use the details provided to contact
                                               Wide Bay Australia Mini Lease Pty Ltd ABN 69 068 790 152 is a subsidiary of Wide Bay Australia Ltd ABN 40 087 652 060                                                                                                                                                          BUNDABERG Qld 4670             you for further information.

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