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					             SMA MEMBERBenefits At A Glance
The SMA MEMBERBenefits Program is designed to provide members                                        Phone & Internet Benefits
and their families with access to a comprehensive range of products and
                                                                                                  Mobile Phones
services as well as many discounts and special offers.
                                                                                                  aussie phones have made shopping for a
To access any of the benefits, all you need to do is make one call or send                        mobile phone easy. As a B authorised
one email. Your Representative will then ensure that your needs are met,                          dealer they have access to the award
irrespective of the product or service required.                                                  winning B clear and simple mobile phone
                                                                                                  deals. B clear and simple is an Optus re-
                                Lifestyle Benefits                                                seller so you can get all the great Optus
                                                                                                  promotions like 'yes' Time and 'yes'
The Presidential Card                        Health & Fitness                                     International. aussie phones sell only the
The Presidential Card is Australia’s         Fitness First is now the largest health and          most popular mobile phones in Australia
leading dining, travel and entertainment     fitness operator in Australia with 32 clubs in       such as Nokia, Sony Ericsson, LG and
programme         with    over      1,300    NSW, VIC, QLD and WA. With superior                  Samsung and all phones are covered by a
establishments that welcome the card         state of the art equipment and the latest            manufacturers warranty.
throughout Australia and New Zealand.        group exercise classes, Fitness First also
Your membership entitles you to              offers a few specialties including The               Residential Phone & ISP Plans
savings at restaurants, hotels, cinemas,     eXpress Zone, Cosmic Cycling Studio,                 Primus Telecom, one of Australia’s largest
tourist attractions, video hire, car hire,   Relaxation Zone and a FREE video &/or                carriers, is offering substantial savings on
holidays and much more. The                  DVD library. Members can benefit from NO             your home telephone bill for your local, long
DriverEQUIP          Program        offers   joining    fee*,     discounted      monthly         distance and international calls, calls to
automotive savings vouchers potentially      membership fees and choice of minimum                mobiles and internet services (dial-up and
saving you up to $1,000 worth of car         12-month term or pay month-by-month                  broadband) all with the convenience of one
needs       across     Australia.    Your    option. This offer is also available to your         bill. Take up both the phone and Internet
Presidential Card also allows you            immediate family#. It’s never been so                plans and receive a 10% discount*
access to ShowTix, a ticket service          convenient to stay in shape!                         *Applies to National and International calls
offering premium seating to sporting,        *A once-off $50 administration fee is applicable.    and Internet Plans.
theatre, musical, concert and family         # Conditions apply.
entertainment events.                        Travel                                               Netspace, 100% Australian owned and run,
Your Presidential Card Membership is                                                              is one of the top 10 broadband suppliers that
                                             The Travel Desk will take your mind off the
available for only $49.95 p.a. (RRP $89.95                                                        has won several awards for its broadband
p.a.)                                        often complicated and costly world of travel
                                             arrangements. They can assist you with               plans and service. The Home Supa 256 Flat
Shoppers Advantage                           domestic and International travel, holiday           Rate Plan with a 2Gb monthly download
This service is a comprehensive              packages, hotel accommodation, car hire,             allowance is available for only $49.95 per
telephone advisory shopping service          Travel Insurance and Qantas Club                     month. Avoid risk of excess download
with over 25,000 product items and           Membership at discounted rates.                      charges through unique flat rate plans that
lower prices inclusive of home delivery.                                                          reduce modem speed to keep you within
You can use the service as a price           Car Rental                                           your allowance. Connect to Netspace and
guideline or as a full purchase and          Avis Australia, Australia’s leading car rental       receive a $20 cash rebate within 30 days.
delivery service. Save on a range of         company, is offering members savings on
                                             car rental in Australia. Take advantage of a         Dial-Up Internet
products such as major appliances, Hi                                                             Alpha Telecom is a highly successful, well-
Fi and audio, computer equipment and         minimum 30% discount off Avis standard or
                                             rack rates or 5% off selected promotional            established leading provider of prepaid
TV and video to name a few.                                                                       telecommunications providing exceptional
Shoppers Advantage is available for only     rates – whichever is cheaper.
                                                                                                  value and quality services at industry
$39.95 p.a. (RRP $54.95 p.a.)
                                                                                                  leading prices. Alpha Telecom is offering a
Take up The Presidential Card and                                                                 special $9.95 for the first month then
Shoppers Advantage at a special rate of                                                           $13.95 per month thereafter (Metro areas
$79.95 p.a.
                                                                                                  only*) with unlimited hours and unlimited
Wine Club                                                                                         downloads. No contract periods apply.
When you order from The Wine Club            Sensational Experiences                              *$15.95 for the first month then $19.95 per
you are guaranteed the opportunity of        If you want to go hard, go fast, fly high or         month thereafter for non-metro areas.
                                             stop and relax, indulge your taste buds or
acquiring     outstanding     wines    at
                                             just escape - then you need a RedBalloon
                                                                                                             Legal Services
reasonable prices. With thousands of                                                              Legal Benefits
products on-line, there is something to      Day. There are 500 great things to do
                                             around Australia from driving a tank,                LEGALBenefits provides comprehensive on-
suit every taste and budget; whether it                                                           line legal services, which are easy to use,
be a gift to go overseas or simply a rare    zorbing, mud wraps or being chauffeured
                                                                                                  fast and efficient and competitively priced.
bottle of wine you've been looking for. If   with your partner to the wineries in a               All your information is protected by the
ever you feel unsatisfied, you are           Rolls Royce. Can’t decide what to buy?               highest possible Internet security. Services
protected by a 100% Money Back               Then purchase a RedBalloon Gift Voucher -            available include: Real Estate and Business
Guarantee. No joining fees or annual         it’s the perfect gift for family or friends. When    Sales & Purchases, Family Law, Wills and
membership fees apply.                       you      purchase       an    experience      from   Power of Attorney, Estate Planning,
                                             RedBalloon, you will get 10% off your next           Deceased Estate Administration and other
                                             purchase. So if you spend $100 - you will            General Legal information.
                                             get $10 off your next purchase.

                        Contact your SMA MEMBERBenefits Representative
      Toll – Free 1300 133 365    Fax: 1300 139 556 Email:
                                                                                                                               V5 – 15/04/04
                   SMA MEMBERBenefits At A Glance
                                    Finance Benefits                                                            Insurance Benefits
Citibank Gold Card                                                                                     HBA (Mutual Community in SA & NT)
Save money with a low interest rate of 6.9% p.a.* for the first 9 months. No annual                    Make HBA your choice of health fund and
fee in the first year - that’s a further saving of $99. Higher credit limits and Bonus                 benefit from hospital covers with excess
Rewards points on balance transfers at a low 6.9%*. Great Rewards Programme                            options that help you reduce your premiums,
including Qantas Frequent Flyer points. FREE International Travel Insurance*.                          single room guarantee, excess bonuses and
Worldwide security with Purchase Cover*, Delivery Guarantee*, FRAUDSHIELD* plus                        cash back that reward you for your loyalty
CREDITSHIELD*. * Conditions apply. See Brochure for terms and conditions.                              and save you money. Plus enjoy bigger
Diners Club Card                                                                                       benefits and on-the-spot claiming at HBA’s
Take advantage of the benefits of a Diners Club Card. Earn 1 Rewards point for every                   extensive      Members         First    dental,
$1 you spend* with no points capping and no points expiry. You can convert your                        physiotherapy, chiropractic and optical
Rewards points for flights with Qantas and its partner airlines or choose from a range of              networks across Australia. Regardless of
hotel packages, merchandise and shopping vouchers. Plus peace of mind with                             your stage of life, lifestyle or budget, you’re
automatic 90 Day Purchase Protection insurance#. The standard $95 annual                               sure to find a HBA cover to suit your needs.
membership fee is reduced to $50 for as long as you are a member of SMA. “SMA                          Join HBA today and receive one month’s
Member endorsed on your card^. This offer is also available to existing Cardholders.                   cover absolutely free*. This is an exclusive
* See Brochure for terms and conditions. ^ Available only to SMA Members.                              offer arranged just for you. BUPA Australia Pty
                                                                                                       Ltd ABN 50 003 098 655 A Registered Health
Motor Vehicle Finance                                                                                  Benefits Organisation Trading as HBA *Waiting
Save time, money & stress by allowing us to arrange finance options to suit your                       periods and conditions apply.
particular needs. Our providers will provide quotes and the most tax effective structure               Personal Insurance
including repayments to meet cash flow requirements. Hire Purchase and Leasing                         Whilst most people acknowledge the
available.                                                                                             importance of insuring their homes, cars and
                               Motor Vehicle Benefits                                                  personal possessions, they often overlook
                                                                                                       their most valuable asset, their income. We
Automotive Buying & Finance Service                                                                    can assist you in finding the best Income
The Automotive Buying & Finance Service will save you time and money by organising                     Protection Insurance policy to suit your
the purchase of your new or used vehicle. With access to Australia’s largest motor                     needs, from our panel of market leading
vehicle wholesalers they will:                                                                         providers. The benefits offered will
♦ Not charge you for using this service.                                                               effectively maintain your lifestyle by
♦ Arrange finance – fleet level discounts available on new vehicles and customised                     providing a replacement income stream if
   finance at bank rates.                                                                              you are unable to work in your current
♦ Take care of your trade in.                                                                          capacity due to accident or injury. We can
♦ Deliver your new car to door to test drive in peace.                                                 also arrange Term Life Insurance and
♦ Make sure you have access to all makes and models.                                                   Recovery Insurance. One of our providers is
♦ Make sure your used car is mechanically checked, detailed, roadworthied and                          offering a 10% discount on Income
   comes with a warranty*.                                                                             Protection Insurance and Life Insurance for
*Industry standard warranty periods apply                                                              the life of the policy.
                                 Investment Benefits                                                   Motor Vehicle Insurance
                                                                                                       Get a better deal on your Motor Vehicle
Home & Investment Loans
                                                                                                       Insurance through Insurers Hotline, an agent
Through the Australian Finance Group (AFG), Australia’s largest wholesale mortgage
                                                                                                       for the Budget Insurance Company Ltd. In
brokers, you are assured of fast efficient services that will help you obtain the right loan
                                                                                                       addition to saving you money, offering
for your needs. As a professional, you could qualify for substantial savings on mortgage
                                                                                                       quality cover and excellent service, you can
interest costs. These are not honeymoon deals, but substantial deals for the life of the
                                                                                                       also benefit from lower premiums,
loan. You could also benefit from transaction free banking and credit cards.
Receive one year’s FREE membership to Shoppers Advantage giving you access to
                                                                                                       immediate cover, no paperwork, rating one
savings on over 25,000 household products - more than enough to set-up your new home.                  for life option, freedom to choose your own
                                                                                                       repairer and flexible payment terms.
Financial Planning
Financial Planning and Financial advice is the process of reviewing your current                       Home & Contents Insurance
situation, determining your ongoing requirements from a personal and financial                         From our panel of market leading lenders,
perspective and then implementing the most appropriate structure and investments to                    we can assist you in arranging your Building
achieve your goals. Whether you have a short-term or long-term goal, it is important to                and Contents Insurance for your home and
plan. A financial plan helps chart your course in achieving your desired outcome. Both                 household goods and Landlords Insurance
the Financial Plan fee and the Plan Implementation fee are discounted by 10%.                          for that investment property at extremely
                                                                                                       competitive rates.
Will you have enough to fulfil your goals and dreams during retirement? How much                       Travel Insurance
money do you need to set up a DIY super fund and would it be appropriate to have                       Exclusive Travel Insurance Plans through
one? Should you be making extra contributions to top-up your super? Superannuation                     ACE Insurance designed to provide SMA
is one of the best and most tax effective ways to accumulate wealth and save for your                  members       and    their   families with
retirement. Speak to our independent financial planning specialist who can help you                    comprehensive cover at special low rates.
with your personal situation.                                                                          Simple, instant on-line quotes and
                                            Disclaimer                                                 applications. 24-hour access to the ACE
The SMA MEMBERBenefits Program is arranged in conjunction with MEMBERBenefits Pty Ltd. All             Global Assistance Scheme. ACE Insurance
product and service information has been provided with the co-operation of providers of the            has offices in 48 countries.
stated products or services. MEMBERBenefits or SMA cannot be held responsible or liable in any
way for any losses that may be incurred as a result of an enquiry for, application for, purchase of,
or contracting for any of the products and services.

                        Contact your SMA MEMBERBenefits Representative
        Toll – Free 1300 133 365 Fax: 1300 139 556 Email:
                                                                                                                                     V4 – 15/04/04

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