No Annual Fee Bank Accounts Au by qjv85898

VIEWS: 125 PAGES: 28

No Annual Fee Bank Accounts Au document sample

More Info
									                     Commonwealth Bank
                                          Newsletter for Retirees
                                                                                                                                 February 2006

Make it Happen
   As I write this Newsletter I trust that you are all well and had a wonderful Christmas and New
   Year. I sit at my desk and wonder where the time goes, we are now into 2006.

   Of great significance last year was the announcement from David Murray of his retirement to
   take effect 22nd September 2005. We certainly thank David for his support to retired officers
   during his years as Chief Executive Officer and wish him every success in the future.

   We welcome Ralph Norris as our newly appointed Chief Executive Officer and look forward to
   the continuing success of our Bank.

   Ralph communicates with the staff on a weekly basis via a toll free number that can be
   accessed by the staff during each week. Should you wish to listen to Ralph, telephone 1800
   009 011.

   Thank you for your positive feedback on our updated information forwarded to you last June for
   your assistance and the inclusion of the benefits that are extended to retired staff. It is important
   to understand that the Bank has the right to change these benefits at any time without prior
   notification. All the information will be updated on your website. To assist while the website is
   being rebuilt I have included the information in this newsletter.

   Great progress in the service transformation of the Bank “Which new Bank” continues to be
   made. The Bank is striving to excel in customer service.

   Most of you would now be aware that my area moved address last year to Level 9, 48 Martin
   Place Sydney. Should you wish to contact me at any time you can telephone me via my
   toll free number 1800 626126 or email me at cavanaba@cba.com.au. Further contact can
   be made through the feedback area on the website www.commbank.com.au/retired.

   I do apologize if any of you have tried unsuccessfully to contact me late January. My area was
   clearing some unused connections and inadvertently my number was disconnected. The
   problem has now been solved.

   I know that you will be pleased top hear that, over the next couple of months, your website is
   being rebuilt .We now have a professional team who will improve the site so we can provide
   more regular information to you with additional links to make the website a little more user
   friendly. Separate links will also be made available so that we can provide more regular updates
   of those who have sadly passed away and those that have recently retired.

   The Bank communicates with our staff through what is called Group Today and we are also
   looking at the possibility that you may be able to access that information which would be of
   interest to so many. If we are able to obtain approval to do this you will be able to obtain
   information on a far more regular basis.
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
Consideration is also being given to creating a calendar of the dates of functions that will be held
particularly the Retired Officers Christmas parties in the various states along with information of
the various functions that the Retired Officers Association Committees organize throughout the
year. With your very busy lives no doubt it would help you plan ahead and keep your diaries
updated with such. I will liaise with the other states in an endeavour to provide this information.
We will be seeking your comments as to whether there are any particular topics that you would like
covered or maybe you have a story that you would like to forward regarding some great moments
in your long careers with our bank.

Your feedback and comments are always welcomed and I look to receiving many more.

 To any of you experiencing ill-health may you have a speedy recovery. Thank you all for your
continuing support and I look forward to having your new website published before long.

My kind regards to you all

Bev Cavanagh.




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
Official Announcement from David to all staff 14 June 2005

CEO David Murray announces his retirement and Board appoints Ralph Norris
as CEO

14 Jun 05

Dear Colleagues

Today, the Bank made an announcement to the Australian Stock Exchange that I will be retiring as Chief Executive
Officer by the end of this calendar year and that the Board has appointed Ralph Norris as the Bank’s new Chief Executive
Officer.

After 13 years as CEO and with Which new Bank firmly on track for full implementation by 2006, the Board agreed with
my suggestion that a handover at this stage will allow the new CEO sufficient time to develop the post-Which new Bank
strategy.

I believe that the Bank’s cultural transformation program has made decisive progress and has significant momentum,
putting the Bank in a strong competitive position for the future. I would like to take this opportunity to, once again,
thank you all for your commitment to this program.

I would like to congratulate Ralph on his appointment. He brings to the Bank an outstanding track record of
achievement, both in his ten years as Managing Director and CEO of ASB Bank, our New Zealand banking operation,
and, most recently, as Managing Director and CEO of Air New Zealand Limited.

I will continue as CEO until Ralph assumes that role, expected to be by the end of the calendar year. In this regard, I
look forward to continuing to progress the Which new Bank program to meet our customers’ needs and to making a
seamless transition with Ralph. During this period, it will be business as usual for all of us in the Bank.

I would like to take this opportunity to thank you for your commitment and contribution to the Bank. I am sure you will
all give Ralph the same support and enthusiasm that you have shown me for many years.


Kind regards




I am sure that you would all join with me in congratulating David and
extend to him and his family our best wishes for every success,
good health and happiness in the future.




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
We congratulate and welcome Ralph Norris on his appointment as
Chief Executive Officer of the Commonwealth Bank and wish him
every success.

 Ralph Norris - biography
                                 Ralph Norris has been Chief Executive Officer and Managing Director of Air New Zealand
                                 Limited since February 2002. He has served as a Director on the company’s Board since August
                                 1998.

                                 Prior to his appointment at Air New Zealand, Mr Norris had a 30-year career in banking. He
                                 was Chief Executive Officer of ASB Bank Limited from March 1991 until September 2001 and
                                 Head of International Financial Services for the Commonwealth Bank from August 1999 until
                                 September 2001.

                                 During Mr Norris tenure as CEO of ASB Bank, the Bank expanded nationally, grew its
                                 profitability six-fold and increased market share by 60%. By 2001, ASB Bank was represented
                                 across New Zealand, with 120 branches, 3,000 staff and an asset base of $NZ 21 billion. Other
                                 key developments during the period were:
CEO Ralph Norris
                                      1991 Start of nationwide expansion program

                                      1994 Westland Bank merged into ASB

                                      1996 Launch Fastnet internet banking service

                                      1997 Launch BankDirect virtual bank
                                       ASB Bank first bank in Australasia to win Arthur Andersen Quality Service Award

                                       1998 Acquisition Sovereign Limited
                                       ASB Bank identified as best bank in New Zealand in providing customer satisfaction

                                      1999 Creation of first internet broking service in New Zealand

                                      2000 Merger Colonial Insurance NZ Limited with Sovereign Limited

                                 At the time of his appointment as CEO of Air New Zealand, the company was in the process of
                                 being recapitalised by the New Zealand Government following the Ansett collapse. The
                                 company returned to profitability within twelve months and was named New Zealand Corporate
                                 of the Year by British Banker Magazine in 2003. The following year, Air New Zealand received
                                 the Air Transport World’s Phoenix Award for achieving ‘a commercial rebirth through life-
                                 changing transformation’.

                                 Mr Norris was judged New Zealand Executive of the Year in 1997 (while at ASB Bank) and in
                                 2004 (while at Air New Zealand). In 2001, he was the National Business Review’s New
                                 Zealander of the Year. He received a similar accolade from the New Zealand Herald the
                                 following year.

                                 In addition to his current role as Air New Zealand CEO, Mr Norris is a director of Fletcher
                                 Building Limited. He is also a trustee of the Starship Foundation, linked to the Starship
                                 children’s hospital in Auckland, NZ, the Northern Lifeguard Services, the Woolf Fisher Trust,
                                 which supports general and scientific education in New Zealand. Mr Norris is also a Member of
                                 the Auckland Grammar Headmaster’s Council.

                                 Previously, he chaired the New Zealand Bankers Association, Tourism Auckland, the New
                                 Zealand Business Roundtable and Sovereign Assurance Limited.

                                 Ralph Norris, 56, was born in Auckland and educated at Lynfield College. He is married, with
                                 three children.




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                     Retirements
            Congratulations and best wishes to all for a long,
                     happy and healthy retirement.
    To those who have been retired on Ill-health grounds our thoughts
           are with you and we hope that you health improves

                                                             August 2004
                                                             Patricia Allport
                                                             Pauline Cant
                                                             Graham Cooke
                                                             Diane Cooper
                                                             Jennifer Gillespie
                                                             Kay Low
                                                             Carole Malone
                                                             Patricia Pleysier
                                                             Sylvia Pope
                                                             Lynette Silladay
                                                             Marcia Smith
                                                             Leonie Thom


                                                             Sept 2004
                                                             Joan Dengate
                                                             Robyn Gawley
                                                             Olga Marcellino
                                                             John Pearce
                                                             Carol Rothwell
                                                             Carolyn Wardell

                                                             October 2004
                                                             Lisa Agaliotis
                                                             Betty Best
                                                             Natasha Kernot
                                                             Robert McQuiggin
                                                             Emma Mekisic
                                                             Fiorella Roberts
                                                             Sherrill Robson
                                                             Kathleen Rohrlach
                                                             Madonna Rule
                                                             Diane Whittaker
                                                             Halina Wlodarczyk



Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                         Retirements
                                                               November 2004
                                                             Denise Brown
                                                             Lorraine Brown
                                                             Carole Clifford
                                                             Jason Holland
                                                             Patricia Huxtable
                                                             Jeanette Joyner
                                                             Noelene Norris
                                                             Ann Salerno
                                                             Maureen Sheedy
                                                             Robyn White

                                                             December 2004
                                                             Yvonne Bedford
                                                             Ellis Bugg
                                                             Jacqueline Carter
                                                             Merilyn Cook
                                                             Airelia Gollan
                                                             Janet Herrick
                                                             Adelaide Karunatileke
                                                             Jacquie Lewis
                                                             Margaret Perkins
                                                             Beryl Robinson
                                                             David Smith
                                                             Venera Stojanovski
                                                             June Titheridge
                                                             Lyane Watson
                                                             Ewan Withers


                                                             January 2005
                                                             Dulcie Adam
                                                             Susan Anderson
                                                             Linley Carson
                                                             Christine Clarke
                                                             Janice Coates
                                                             Carole Cohan
                                                             Annie Grant
                                                             Isabella Jackson
                                                             Lynette McCormack
                                                             Susan Robinson
                                                             Susan Rogerson
                                                             Denise Stronach
                                                             Robyn Wilson
                                                             Marjorie Wright
                                                             Cheryl Yan
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                         Retirements

                                                             February 2005
                                                             Alice Celona
                                                             John Doherty
                                                             Elizabeth Kube
                                                             Paul McCarthy
                                                             Susan McIlroy
                                                             Kay Moore
                                                             Janice Purcell
                                                             Hilary Robin
                                                             Darren Roweth
                                                             Elaine Savona
                                                             Trevor Taylor


                                                             March 2005
                                                             Jane Austin
                                                             Helen Carlton
                                                             Patricia Chandler
                                                             Janet Coxon
                                                             James Daley
                                                             Suzanne Gregory
                                                             Joan Hardy
                                                             Lynne Locke
                                                             Evelinda Meneghini
                                                             Graham Monaghan
                                                             Christine O’Meara
                                                             Roselind Wilden


                                                             April 2005
                                                             Diana Foster
                                                             Maitland Godier
                                                             Janice Hedger
                                                             Helen Hinton
                                                             Lorraine Murray
                                                             John Napier
                                                             Terry Needs
                                                             Martyka Porquet
                                                             Pamela Randall
                                                             Merril Sproule
                                                             Judith Wallis
                                                             Judith Watson
                                                             Jeanette Whalley
                                                             Karyl Wheeler
                                                             Pauline Williams
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                         Retirements
                                                             May 2005
                                                             Dianne Axelsson
                                                             Margaret Clarke
                                                             Leila Croft
                                                             Phillip Evenden
                                                             Rhonda Fitzmaurice
                                                             Maxwell Harvey
                                                             Karen Lohmann
                                                             Marjorie McDonnell
                                                             Edna Phillips

                                                             June 2005
                                                             Maria Ciarmella
                                                             Jay-Lene Emmerton
                                                             Ellen Paton
                                                             Josceline Stokes

                                                             July 2005
                                                             Jean Anderson
                                                             Susan Black
                                                             Pamela Blockley
                                                             Nazareth Boyadjian
                                                             Julie Carr
                                                             Thelma Castillo
                                                             Russell Chandler
                                                             Yvonne Cowdrey
                                                             Despina Diamandaras
                                                             Charles Doughty
                                                             Pamela Douglas
                                                             Jennifer Downs
                                                             Maria Enders
                                                             Stephen Fair
                                                             Ali Fairial
                                                             Gary Gavin
                                                             Lynette Groves
                                                             Steven Harvie
                                                             Michael Hilder
                                                             Marilyn Ann Kemp
                                                             Janice Lambert
                                                             Barbara Lewis
                                                             Alba Magnacca
                                                             Keith McCoola
                                                             Annette McGrath
                                                             Ross McLennan
                                                             Danny Moran
                                                             Jane Pendleton
                                                             Donna Quinn
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                            Retirements
                                                                July 2005 (continued)
                                                                Dianne Raisin
                                                                Shashi Raj
                                                                Jeffrey Ryan
                                                                Berry Sutton
                                                                Silvana Terranova
                                                                Judith Wilshire

                                                                August 2005
                                                                Jamie Baggott
                                                                Maureen Baxter
                                                                Tracy Buijs
                                                                Pamela Corns
                                                                Heather Dabner
                                                                Ewa Dygut
                                                                Laune Grgurevic
                                                                Lenore Lattin
                                                                Carl Maynard
                                                                John Meredith
                                                                Donald Purvic
                                                                Michelle Schultz
                                                                Christine Tippins
                                                                Chui Yim

                                                                September 2005
                                                                Robert Boyd
                                                                Kerry Cumberland
                                                                Beverley Digney
                                                                Evelyn Freebody
                                                                George Gregson
                                                                Sandra McCullough
                                                                Helen Murr
                                                                David Victor Murray
                                                                Daphne Tauro
                                                                Nova Thomas
                                                                Judithann Webster

                                                                October 2005
                                                                Deborah Coleman
                                                                Stephen Cookson
                                                                Robert Dinham
                                                                Pat Hudd
                                                                Lola Keegan
                                                                David Keith
                                                                Caro Lugton
                                                                Shirley Ann Milton
                                                                Marie Ognew
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only. The
information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to influence you in
making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making any financial decisions.
The contents of this site must not be published or quoted in whole or in part without the authority of People Services, Commonwealth Bank. For further
information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                         Retirements
                                                             October 2005(continued)
                                                             Gail Rochester
                                                             Glenys Spottiswood
                                                             Allessandra Testa
                                                             Elizabeth Tooke

                                                             November 2005
                                                             Carmele Baldino
                                                             Warwick Bills
                                                             Grant Booth
                                                             Pamela Brogan
                                                             William Cameron
                                                             Allan David
                                                             Bryan Gard
                                                             Glenys Hurley
                                                             Margaret John
                                                             Beryl Kane
                                                             Geraldine Levy
                                                             Stewart Manson
                                                             Nirla Pandey
                                                             John Speers
                                                             Barbara Treleaven
                                                             Yvette Turner


                                                             December 2005
                                                             Jennifer Banks
                                                             Faye Bodell
                                                             Heather Carroll
                                                             Lawrence Cheng
                                                             Odile Feuille
                                                             Maxine Hodgkiss
                                                             Lloyd James
                                                             Janice Johnston
                                                             Kristeena Kirchner
                                                             Carole Littlechild
                                                             Anita Lloyd
                                                             Shirley Mannile
                                                             David McPherson
                                                             Alan Moule
                                                             Kathleen Murray
                                                             Jill Pettman
                                                             Glenyce Roy
                                                             Wayne Stevens
                                                             Donald Stichter
                                                             Marinos Tomaros
                                                             Phillip Zomer
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                         Retirements
                                                             January 2006
                                                             Catherine Allen
                                                             Lynette Beacroft
                                                             Maroulla Chondros
                                                             Dianne Cooper
                                                             Bill Dougherty
                                                             Barbara Herd
                                                             Michael Hindson
                                                             Wesley Hooper
                                                             Cynthia Hu
                                                             Rowena Jason
                                                             Kaye Mannix
                                                             Angela Messina
                                                             Arpine Minassian
                                                             Marie O’Neill
                                                             Claire O’Reilly
                                                             Helen Samu
                                                             Lyn Thomas




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                            Obituaries
                                                             August 2004
                                                             Gordon Clifford Austen
                                                             Pamela Bailey
                                                             Albert Edward Benson
                                                             Michael John Bone
                                                             Maurice Charles Briggs
                                                             Thomas Bishop Chambers
                                                             Francis Robert Colley
                                                             Bert Edward Lockwood
                                                             Robert Hugh McGladrigan
                                                             John Finlay McPherson
                                                             John Lynton Morey
                                                             Eric John Mott
                                                             Keith David Rook
                                                             Joy Rosalind Routley
                                                             John Herbert Shortland
                                                             Gordon Bryce Thorn

                                                             September 2004
                                                             Edward Jack Biffin
                                                             Peter John Cox
                                                             Warwick Alexander Gietz
                                                             Josephine McKeown
                                                             Robert Nicol
                                                             Reginald White
                                                             Colin Robert Wolfenden


                                                             October 2004
                                                             James Thomas Cahir
                                                             Alfred Graham Cowley
                                                             Albert John Gallagher
                                                             Ronald Griffin
                                                             Gordon Alexander Hayes
                                                             Joseph Edward Hodgson
                                                             Jack Royston Kilpatrick
                                                             Jack Gordon Laycock
                                                             Ronald Keith McGill
                                                             Clarence Sheehan
                                                             Arthur John Waldock
                                                             Owen Morrison Watson
                                                             Kevin Francis Wyatt




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                            Obituaries
                                                             November 2004
                                                             Raymond Harold Biddiscombe
                                                             David Body
                                                             Norman Frederick Clifton
                                                             William Wallace Kinsella
                                                             Robert John McMahon
                                                             James Finley Patrick
                                                             Reginald Alfred Stevenson


                                                             December 2004
                                                             Ernest Aubrey Allen
                                                             Ronald Anderson
                                                             Ruby May Anderson
                                                             George Jacob Curtis
                                                             Leonard Lawrence Dawson
                                                             George William Earnshaw
                                                             Murray Lindsay Kerle
                                                             Sidney Robert McDonald
                                                             Jan Reszczyns
                                                             James Benjamin Sibraa
                                                             Paul Ferdinand Simon
                                                             Peggy Ruth Walshe


                                                             January 2005
                                                             Charles Anderson
                                                             Peter Francis Byrne
                                                             Tom Kidd
                                                             Albert William Kruger
                                                             Robert Bruce Mowbray
                                                             Thomas Leighton Young

                                                             February 2005
                                                             James Keith Ferguson
                                                             Thelma Harvey
                                                             Geoffrey Peter Kennedy
                                                             Neville Clyde Sanders

                                                             March 2005
                                                             Robert Oldroyd Faulks
                                                             Robyn Julia Frazer
                                                             Allan David James
                                                             Kevin Crossman Mansfield
                                                             Elizabeth Anne Miller
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                            Obituaries
                                                             April 2005
                                                             Francis Herbert Boyle
                                                             Clifford Keith Fennell
                                                             Edward Martin Mileham
                                                             John Vincent O’Neil
                                                             Edith Ida Richards
                                                             Colin Campbell Smith
                                                             Ian Creswick Watson
                                                             Edmund Joseph Wilson

                                                             May 2005
                                                             Robert Walter Atkinson
                                                             Nancy Rose Lowe
                                                             John Kenneth Magson
                                                             Barry Clifton Pittaway
                                                             Francis Ian Ross
                                                             Norman Edgar Russell
                                                             Keith Orton Scott
                                                             Graeme John Wilson
                                                             Williams Thomas Withers
                                                             Ronald James Wotherspoon

                                                             June 2005
                                                             David John Anderson
                                                             Walter Mark Baker
                                                             Hubert George Bevan
                                                             Kenneth Ernest Burden
                                                             Robert John Cosandey
                                                             Lesley Thomas Cossor
                                                             Trevor James Crew
                                                             Donald Alfred Crowhurst
                                                             Leslie James Felstead
                                                             Barbara Ann Ford
                                                             Frank Galvin
                                                             Robert Edwin Robertson
                                                             Norman Oswald Worling

                                                             July 2005
                                                             Neville Gordon Adamson
                                                             Eileen Millicent Dalby
                                                             James William Hughes
                                                             Robert Dunsmore Hunter
                                                             Leonard Charles Loker
                                                             Malcolm Murray Macgregor
                                                             Kenneth William McGill
                                                             Kenneth Snowball
                                                             James Ferdinald Voss
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                            Obituaries
                                                             August 2005
                                                             James Murray Addley
                                                             Allan Robert Crawford
                                                             Keith Stucley English
                                                             EDric Kelsey Innes
                                                             John Alex Jacobs
                                                             Raward Thomas Jones
                                                             Charles John Marriott
                                                             Stanley Mathieson
                                                             Gary William Mills
                                                             Judith Dalton Noblet
                                                             Eunice Doreen Roach
                                                             Dudley Rivers Thomas
                                                             Lindsay Austin Withers

                                                             September 2005
                                                             Alfred Hamilton Brett
                                                             Daryl Bamford Gay
                                                             William Edmund Keown
                                                             Ralli William Mahoney
                                                             David George Stafford

                                                             October 2005
                                                             Rae Breen
                                                             Raymond James Bryce
                                                             Derek John Freeman
                                                             Natalie Mary La Motte
                                                             Leonard Albert Matthews
                                                             Maurice James Ryan
                                                             Raymond William Taylor

                                                             November 2005
                                                             Reginald Culton
                                                             Francis Ivon Holland
                                                             Nicola Mainella
                                                             Moris Anthony Moreno
                                                             Ian David Petitt

                                                             December 2005
                                                             Guy Kenneth Drake
                                                             Lydia Constance Linton
                                                             Annie May Maidment
                                                             Arthur Thomas Moody
                                                             Patrick John O’Rourke
                                                             Allan Russell Redman
                                                             Bruce Anthony Roworth
Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                            Obituaries
                                                             January 2006
                                                             Eric Stuart Adams
                                                             Kevin Reid Bainbridge
                                                             Vena Cain
                                                             Athol Corry
                                                             Cecil James Eggleton
                                                             Frank Arthur Gore
                                                             Ronald Leslie Graham
                                                             Phillip William Gray
                                                             Ronald Angus Hamilton
                                                             Gordon Victor Pass



            Ralph Norris extends his sincere sympathy to the families
                             of our deceased officers




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                        Copy of Information Pack forwarded June 2005

                         Level 9                      PO Box 2719                 Telephone 1800 626126
                         48 Martin Place              Sydney                      Email cavanaba@cba.com.au
                         Sydney                       NSW 1155
                         NSW 1155
                         Australia

30 May 2005


Dear Retiree

Much has changed within the Bank in recent times, particularly with the announcement from David Murray, of the “Which new
Bank” service transformation in 2003. The Bank’s vision is to excel in customer service and great progress is being made

With the transformation many changes have taken place and one that is relevant to our retired staff is that my area has moved
from Level 10,175 Pitt Street, Sydney to Level 9, 48 Martin Place, Sydney 1155. However, I do not work from the Martin Place
office as I am now working on a part-time basis from my home in Firefly NSW. My toll free number remains unchanged,
however, my telephone number 02 93128064 is no longer available. Should you wish to contact me you can either
telephone me on 1800 626126 or email me on cavanaba@cba.com.au. Further contact can be made through the feedback area
on the website www.commbank.com.au/retired.

The website was developed for your assistance and to provide information to our retired staff. Newsletters are published to this
site from time to time.

Whilst so many of you have access to the internet yourselves or via your children/grandchildren I appreciate that there are many
that do not.
.
I receive many telephone calls enquiring as to what benefits continue to apply to retired staff. With all the changes that have taken
place and the restructures within the Bank it is appropriate that we should forward you updated information.

Staff benefits that are extended to retired staff have been reviewed in conjunction with the introduction of the new Staff Benefits
Program and I am attaching them to this letter. It is important to understand that the Bank has the right to change these benefits at
any time without prior notification.

As I say on your website one of my primary responsibilities is to provide support and assistance, where necessary, to our retired
officers particularly in grief situations.

To lose a loved one is a traumatic experience and then to be faced with the fear of suddenly having to manage one’s affairs
singularly is indeed daunting. “Who do I advise – What do I do? My husband/wife as the “Banker” has always done it”.

Whilst death is not a subject one wishes to dwell upon, it is something that happens to us all and I know that we can help our
families considerably by providing some basic notes to assist at those times.

Of course, it is impossible to cover all aspects as each situation is individual in itself. However, the information offered may ease
a little of the trauma associated with the loss of a partner and help in attending to some of the estate matters.

Our branch staff will be more than happy to assist you with any of your banking requirements.

For you information I have attached the following:

         General Information and notes that may be helpful in the event of death of a retired staff member/widow/widowe
         Contact phone numbers
         Staff Benefits in retirement
         Important Information form

Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
To any of you that are experiencing ill-health please accept our best wishes for a speedy recovery.
I thank you all for your continuing support over the many years that I have been doing this support role to our retired staff. On a
personal note I must thank you all most sincerely for the wonderful support given to me over the past four years during my fight
with cancer. I am very fortunate that I am at this stage doing and feeling well.

Please do not hesitate to contact me if I can be of any assistance at any time.

My kind regards to you all

Bev Cavanagh




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
General Information and Notes for Retired Staff
These notes are prepared as information to retired staff in assisting their families, however,
requirements and entitlements can change from time to time. Information in this pack relates to
Commonwealth Bank terms and conditions.

For retired staff in receipt of a Staff Superannuation Pension it is important to keep Superannuation
informed of any change in personal details, change of address etc.

Should there be any change in spouse details this should also be advised.

In the event of an retired staff member’s death Superannuation should be advised as soon as possible so
as to cease pension payable to officer and commence pension (where appropriate) in the name of
spouse. Upon decease of the retired staff member a surviving spouse is entitled to 67% of the pension
previously being paid. Pension is subsequently paid for life irrespective of whether widow/widower
remarries.

Action from Superannuation following advice of decease of a member.
Superannuation will address correspondence to the Executor for the Estate. Correspondence is addressed
in this manner for legal reasons. They will include notes on completion of forms. There is no problem in the
widow/widower completing the documentation.

Initial documentation requested:

           Statement in respect of Deceased Member
           Statutory Declaration.

Upon receipt of these, Superannuation can determine whether a future pension is payable to the spouse
and/or dependant children.

Further documentation required

         Personal Details Form
This form provides Superannuation with spouse’s details along with where pension is to be credited and if
any deductions are to be made.

        Annuity and Superannuation Pension Declaration
(Taxation form to determine amount of tax payable).

Superannuation will also request a certified copy of the death certificate and marriage certificate.

In many cases this documentation may be received prior to the issue of the full Death Certificate. It is not
necessary to wait. “Personal Details and Declaration forms” can be completed, signed and returned so
that pension can be commenced. Outstanding documentation can be forwarded in due course.

Bank Accounts
It is advisable to have at least one of your accounts in joint names so that in the event of incapacity or
death the joint party can access funds thus allowing them to attend to financial matters. With CA, joint
accounts are generally “either to operate” and hence can be transferred to an account in the name of the
survivor. Where joint accounts are held it will be necessary for the spouse to open, if one is not already, an
account in their own name.

Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
A joint account cannot be changed in title to reflect the name of the surviving party.

Power of Attorney

Many of you may give consideration to granting an enduring Power of Attorney in the event of not being
able to manage one’s affairs. This is, of course, for each individual to assess.

Credit Cards

In the majority of cases the credit card (MasterCard, Visa) is in the name of the retired staff member with an
additional card issued in the name of the spouse. In the event of decease of the retired staff member the
card will be cancelled. The surviving spouse may apply for a card in their name. Your credit limit will be
assessed under normal credit assessment criteria.

Funeral Account

The funeral account becomes first claim on an estate and this can be paid by the Bank on production of the
funeral account.

Mortuary Benefit

Some retired staff have an entitlement payable from this fund which is operated through the Finance Sector
Union (FSU), known to many of you as the CBOA. Current benefit is approx $1200. This benefit would
apply to those who, upon retirement prior to around 1988, paid an additional amount to the Union to provide
them with a mortuary cover. Many have cover on both themselves and spouse. Further information can be
obtained by contacting the Finance Sector Union on 1800 022 890.

Last Will and Testament

Do you have a current will? Do your executors know its location?


Health Society

Spouses of retired staff members may continue their membership with the CBHS Friendly Society in the
event of decease.

Financial Advice

Commonwealth Financial Planners (representatives of Commonwealth Financial Planning Limited ABN 65
003 900 169 AFSL231139, a wholly owned but non-guaranteed subsidiary of the Bank) would be happy to
provide advice at any time. Please do not hesitate to contact your local branch, or you may telephone 132
015.

Banking Generally

From my experience in my position of Manager Staff Relations I would strongly encourage you all to
discuss with your spouses/next of kin how to conduct your financial affairs. Whilst there are many that
already attend to many of the financial matters, there are so many that do not. Consequently, when they
lose their spouse they are distraught with the fear of what they have to do.

Many of our widows are now surprising themselves and telling us that, although it was difficult at first (and
they regret not being involved earlier) they are now finding it easier by using the phone or paying by
MasterCard. They do not have to worry about transferring from their savings account to the cheque account
or whether they have completed the cheque butt - it is all there.

Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
Important Note

Keep a record of essential information and the location of necessary documents in the event of incapacity
or death - details of accounts, policies, location of will, executors etc.

Staff at our branches will be more than happy to assist you with attending to your banking and financial
requirements.

It is difficult to cover all but I hope the above helps a little.

If you require further information please call me on 1800 626 126.



Bev Cavanagh
Manager Staff Relations
30 May 2005




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                                Contacts
 Staff Superannuation                                osfms@cba.com.au                          Staff Superannuation
 1800 023 928                                                                                  Level 21, 52 Martin Place
                                                                                               Sydney NSW 2000
 Health Society                                      www.cbhs.com.au                           CBHS Friendly Society
 CBHS Friendly Society                                                                         10 Pitt Street
 1300654123                                                                                    Parramatta NSW 2150

 Commonwealth Bank Shares                                                                      Commonwealth Bank
 1800 022 440                                                                                  Share Registrar
                                                                                               Perpetual Registrars Ltd
                                                                                               Locked Bag A14
                                                                                               Sydney South NSW
                                                                                               1232
 Commonwealth Securities                             www.comsec.com.au
 (CommSec)
 131519

 Customer Services Line
 132221

 Commonwealth Insurance                              www.comminsure.com.au
 (Comminsure)
 132423

 Commonwealth Financial
 Services
 132015

 Mortuary Benefit                                                                              PO Box A2442
 Finance Sector Union                                                                          Sydney South NSW
 (formally C.B.O.A.)                                                                           1235
 02 92738222
 1800 022 890

 Officers Life Insurance
 (O.L.I.)
 (AMP Financial Services)
 131267
 People Services                                     cavanaba@cba.com.au                       Level 9
 Bev Cavanagh                                                                                  48 Martin Place
 1800 626126                                                                                   Sydney 1155




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                          Staff Benefits for Retired Staff
Benefits to staff and the continuing benefits to retired staff of the Commonwealth Bank Group have been reviewed.
Retired Staff include staff that have been ill-health retired (bank approved) and staff that have been retrenched who
were 55 or over as at date of retrenchment. The benefits available, which also extend to the spouse of those staff that
have sadly died in service as well as to the spouse in the event of the decease of the retired officer, are listed in the
table below.

Product /Service                        Offer1
Available1

Banking Services
                                                  Fee free bank cheques where amount exceeds $500
                                                  Fee free periodical payments.

                                                  Fee free Traveller's Cheques, Foreign Currency Notes,
                                                   Drafts, International Money Transfers (IMTs) and Bills for
                                                   Collection

                                                  Fee free Telegraphic Transfers
                                                  No annual fee on standard sized safe custody envelopes.
                                                   Includes one free access per calendar month non-
                                                   cumulative.

                                              
                                                                                                                    2
Streamline Account                                 Exempt from withdrawal and monthly account fees .

                                              
                                                                                                                    2
Savings Investment                                 Exempt from withdrawal and monthly account fees .
Account

                                              
                                                                                        2
Pensioner Security                                 Exempt from withdrawal fees .
Account

Commonwealth Direct                               Minimum opening deposit of $2,000 (normally $5,000)
                                              
                                                                              2
Investment Account                                 Exempt from withdrawal fees .
                             2
AwardSaver Account                                Exempt from the Monthly Account Fee (currently $5 per
                                                   month)*

                                                   * The Monthly Account Fee applies only to inactive AwardSaver
                                                   Accounts where the balance is less than $500. There is no Monthly
                                                   Account Fee on active AwardSaver Accounts.


                                   2
Cash Investment Account                           Exempt from the Monthly Account Fee (currently $5 per
                                                   month)*

                                                   *There is no waiver of withdrawal fees for Cash Investment
                                                   Accounts. Access fees apply when you use the ATMs of other
                                                   financial institutions in Australia, ASB Bank in New Zealand, PT
                                                   Bank Commonwealth in Indonesia and the overseas
                                                   Cirrus/Maestro networks.


Term Deposits3
                                              
                                                                                                                        3
                                                   1.00% p.a. bonus interest on selected term deposits of
                                                   $10,000 to less than $100,000


Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
Credit Card accounts4                             Pay half the annual card fee (and additional cardholder fee,
                                                   if applicable)
                                                  Receive 50% off the standard interest rate on the card that
                                                   has been applied for, subject to the maximum limit
                                                   thresholds listed below



                                                                     Standard               Gold               Platinum
                                                                    Credit Card          Credit Card          MasterCard

                                           Card Type              MasterCard,          Gold                 Platinum
                                                                  Visa                 MasterCard &         MasterCard
                                                                                       Visa Gold

                                           Commonwealth           Optional for         Automatic            Automatic
                                           Awards                 eligible interest    Enrolment –          Enrolment –
                                                                  free period          Commonwealth         Commonwealth
                                                                  cardholders          Awards Gold          Awards
                                                                                                            Platinum

                                           Minimum Limit          $1,000               $5,000               $12,000

                                           Maximum Limit          $4,900               $11,900              $20,000

CommInsure Prime Home                   CommInsure Prime Home and Contents Insurance
& Contents Insurance5
                                                  10% discount off the base premium on a Prime Home or
                                                   Prime Content policy
                                              
                                              20% discount off the base premium on a combined Prime
                                              Home & Contents policy
CommInsure Investment                   CommInsure Investment Home & Contents Insurance
Home & Contents
Insurance 5                                       10% discount off the base premium of a Investment Home
                                                   or Content policy
                                                  10% discount off the base premium of a combined
                                                   Investment Home & Contents policy
                                                  5% off the base premium of a combined Contents & Strata
                                                   Title Owner’s Cover policy
CommInsure                                        15% discount on all comprehensive motor insurance annual
Comprehensive Motor
                                                   policy premiums (does not apply to pay by the month
Vehicle Insurance6
                                                   options)

Important Information
     1. All product/service offers are subject to change at the Bank’s discretion without prior notification. These offers
        apply to Commonwealth Bank products only. All other fees and charges are payable. Benefits/concessions
        only apply from the date of notification to the Bank.

     2. Access fees apply when you use the ATMs of other financial institutions in Australia, ASB Bank in New
        Zealand, PT Bank Commonwealth in Indonesia and the overseas Cirrus/Maestro networks. Concessions are
        available on accounts that are used for non-business purposes only provided you maintain only the minimum
        number of accounts to meet your reasonable needs. Full terms and conditions are available on application.

     3. Bonus interest available on standard and compound interest options only. This offer is not available in
        conjunction with any other bonus or special term deposit interest offer. Bonus interest will only apply to new
        term deposits or to current term deposits at maturity/reinvestment. Bonus interest will not be applied where an
        investment has been prepaid so that the higher interest rate may be obtained.



Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
     4. Maximum Limit thresholds apply to this offer. Where a limit is requested that exceeds the individual card
        threshold the standard interest rate will apply. In the event of the decease of a retired staff member the credit
        card will be cancelled. Where the retired officer’s spouse has a credit card in their name as the additional
        cardholder, this card will also be cancelled on the decease of the retired officer. However, the spouse can
        apply for a credit card in their own name, subject to normal credit assessment and policy. If the application is
        accepted, the spouse is eligible to receive these benefits. Applications for finance are subject to the
        Commonwealth Bank's normal credit approval. Full terms and conditions will be included in the Bank's credit
        card offer. Fees and charges apply.

     5. CommInsure is a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216
        ("CIL"), a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. The
        Commonwealth Bank may receive a commission for selling the products of its subsidiary CIL. Product
        Disclosure Statements for Prime Home and Contents Insurance and Investment Home and Contents
        Insurance issued by Commonwealth Insurance Limited are available from comminsure.com.au
     6. or from any branch of the Commonwealth Bank and should be considered before making any decisions about
        these products.

     7. The insurer for motor vehicle insurance is Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz).
        The Commonwealth Bank of Australia does not guarantee Allianz or the products they offer. A Product
        Disclosure Statement (PDS) issued by Allianz is available for Prestige Motor Insurance from
        comminsure.com.au or from any branch of the Commonwealth Bank and should be considered before making
        any decisions about Prestige Motor Insurance.




IMPORTANT INFORMATION ABOUT ADVICE
This material has been prepared without taking account of the objectives, financial situation or needs of any particular
individual. For this reason, any individual should, before acting on the information in this material, consider the
appropriateness of the information, having regard to the individual's objectives, financial situation and needs and, if
necessary, seek appropriate professional advice. View the Commonwealth Bank’s Financial Services Guide
www.commbank.com.au/fsra/FSRA0074_BR173_PrintVersion_1811.pdf




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                                              Special Note


As my role now is on a part-time basis I am not in my office full time five days a week. For
this reason many of my calls are captured via message bank and I attempt to return these
calls as soon as possible. I appreciate that many are reluctant to leave a message. However I
ask that if your call does go to my message bank, please do not hang up - leave a message
and I will return your call. Please also when quoting your telephone number include your
area code as my phone number addresses calls from you all Australia-wide.

Regarding our website when forwarding feedback it would be more than helpful if you could
include you name as many are received and as it only shows your web address, in many
cases, I do not know who has sent it.

My contact telephone number is                                1800 626126
Email Address                                                 cavanaba@cba.com.au
Website                                                       www.commbank.com.au/retired




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
                                      Important Notes for Retired Officers.
In the event of the decease of the retired officer there are many important things to be done at this very sad
and difficult time.
I am often asked what needs to be done Bev?
These notes are compiled from the many questions I receive and I hope they will help.

The following points may assist.

         If the retired officer is in receipt of a superannuation pension, Staff Superannuation are to be advised
          so that the pension (which, if applicable, reverts to 67% of the officers pension) can be paid to the
          spouse. I can advise Staff Superannuation for you (my telephone number is 1800 626126) or you can
          ring Staff Superannuation on 02 9841 7545.

         Superannuation will then write to the executor or spouse enclosing documentation that needs to be
          completed and forwarded back to them. They will ask for a certified copy of the death certificate.
          However, in many cases, the certificate is not to hand when documentation is received. Send the
          documentation as soon as possible and the death certificate can be forwarded in due course. Staff
          Superannuation are unable to pay the pension until that documentation has been received.

         Most of the retired officers have their pension paid into a joint account. If an account is not held in
          the single name of the spouse I would suggest that an account is opened so that an account number
          can be given when responding to the information required for Staff Superannuation..

         Staff Superannuation will also advise the CBHS Friendly Society and if the cover is a family cover, a
          new card will be forwarded in the name of the surviving spouse.

         For those of you that have paid an amount on retirement prior to 1989 to provide a mortuary benefit
          the Finance Sector Union will also need to be advised (1800 022 890).

         If your accounts (CBA) are held in joint names, these accounts can still be operated on as they are
          normally either or survivor to operate. In many cases dividends etc are deposited into these accounts
          and those bodies will need also to be advised of new account details. I would suggest, to avoid any
          complication, that this is done prior to joint accounts being closed.

         If a credit card is held upon decease this account is closed. Where the spouse is a secondary
          cardholder it is necessary for the surviving spouse to apply for a credit card in their own name. The
          credit limit on this card will be dependant upon normal credit assessment criteria

         The funeral account becomes the first claim on an estate. Should the account be held in the name of
          the deceased only the Bank can pay the account (on production of the funeral account) direct to the
          funeral director.

         Upon the decease of your spouse you may find it necessary to obtain taxation advice and speak with
          one of our financial advisors regarding your situation.

Our staff will be please to assist you with financial advice. If you are opening an account or applying for a
credit card inform the staff that you are the widow/widower of a retired officer to ensure that you will
continue to receive the staff concessions on you account/credit card.

Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.
It is important that your spouse knows what accounts/investments you have, who your executors are, along
with where your will and property deeds are kept. A form (Important Information for retired officers) can be
printed from your website

These notes are only brief and apply to accounts with the Commonwealth Bank. Further information is
available on your website for retired officers www.commbank.com.au/retired..

Do not hesitate to ring me if I can be of any assistance on 1800 626 126 or by email on
cavanaba@cba.com.au

My regards to all and once again thank you for your continuing support

Bev Cavanagh
The Strategic vision of the Commonwealth Bank:
To Excel in Customer Service




Notice of Confidential Information
The Retired Officers site is for retired staff of the Commonwealth Bank of Australia Group. The content of the site is general factual information only.
The information isn't financial product advice and, as such, you shouldn't consider it as a recommendation or statement of opinion intended to
influence you in making a decision in respect of a product or class of product. You should consider obtaining financial product advice before making
any financial decisions. The contents of this site must not be published or quoted in whole or in part without the authority of People Services,
Commonwealth Bank. For further information, please contact Bev Cavanagh, People Services on 1800 626 126.

								
To top