Join us today Be a part of the bank that is focused on delivering better, smarter financial solutions to staff, students and graduates of Australian universities. Get started Talk to us Phone us Email us Breadcrumbs UniBank Why Join Us Why Join Us Join today to become a member of UniBank Why join us Who can join How to join Student banking Customer owned banking Over 50s Program - Edvest Why join us How we put you first At UniBank, we truly believe in the contribution that universities make to our community. And the world. We value knowledge, discovery and new ways of thinking and we believe in the power that higher learning has to change minds, to change how things are done. That’s why we are determined to provide better, smarter financial solutions to the staff, students and graduates of Australian universities and their families. What does this mean for you? Great returns on your savings and investments1 – earn bonus interest with our Reward Saver account2. Competitive home loans3 – all UniBank fixed rate home loans come with 100% offset4. Flexible car and personal loans3 – with no ongoing monthly fees5. An award winning low rate credit card with no annual fee and just 7.90% p.a. for the first 6 months6. Banking that comes to you – our Business Relationship Managers and Mobile Lenders7 are available to meet at a time and place that suits you best, on-campus or at home. Easy everyday banking accounts1 with no ongoing monthly fees5 and great features to help you bank how you like when you like: Conveniently ‘tap and go’ for purchases using payWave. Transfer money and make fast, secure payments in real-time with our online banking and mobile app8 utilising OSKO by BPAY®9 and PayID10. Pay with your phone simply and safely using Apple Pay11, Google Pay12 or Samsung Pay13. UniBank was founded in a university, so we know more about what is important to those involved in university communities, whether that’s studying, finding a job, raising a family, building financial well-being or navigating retirement. Whatever stage of life you’re at, we’re committed to delivering easy, convenient, secure and rewarding banking experiences. We’ll take care of your banking so you can take care of the future. Know more about UniBank More reasons to join us We believe in being socially responsible. It isn’t just part of our business, it’s how we do business. It affects who we are, what we do and why we do it. And by operating ethically and sustainably we are able to channel our profits into doing good. Know more about our approach Get Started International student/Non-resident? Apply here *Important information Membership is open to citizens or permanent residents of Australia who are current or retired employees, graduates and students of an Australian university or are family members of members (i.e. shareholders) of the Bank. 1. Accounts. Please note – Before you decide on any of our products or services, we strongly recommend that you read both the Conditions of use - Accounts and access and Fees and charges booklets. You can find these online at our website or ask at any of our offices. We have not considered your objectives, financial situation or needs. 2. Reward Saver account bonus interest. Bonus interest is earned for each month that you deposit a minimum of $50, make no withdrawals during the month and the account has a credit balance at all times during that month. 3. Home loans and personal loans. All applications for credit are subject our responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices. 4. Offset facility. Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the FAQ section under Offset facility at unibank.com.au. At the end of the fixed rate period the interest rate reverts to the Flexi Choice loan variable annual percentage rate. 5. No ongoing fees. Refer to the Fees and charges brochure for details on fees and charges. Fees may apply if your loan account is in default or you seek other services, e.g. a loan variation. 6. Credit Card. All applications for credit are subject our responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions available online or from any of our offices. Introductory interest rate for new cardholders. At the end of 6 months the interest rate reverts to the standard ongoing interest rate. Awarded ‘Cheapest Credit Card – Bank’ in Money Magazine’s best of the best awards 2017. 7. Mobile Lenders. Please check our website for details of availability in your area. 8. Mobile and online banking. You should consider whether this service is appropriate for you before acquiring it. For additional information on security please refer to our Security Guide for electronic transactions available online. Access is subject to availability and maintenance. We test mobile banking to ensure compatibility with the majority of popular devices used by members but cannot guarantee that it will be compatible with all devices and operating systems. We do not charge you for accessing your accounts using your mobile. Internet data charges and call charges may be incurred through your mobile service provider - check with your Internet Service Provider or mobile phone service provider for more details. A 3G or 4G or Wi-Fi connection is needed for the mobile banking and map features. 9. OSKO by BPAY®. Osko is a registered trademark of BPAY Pty Limited. BPAY is a registered trademark of BPAY Pty Limited. Osko by BPAY is issued by over 60 BPAY Scheme participants. The BPAY scheme is managed by BPAY Pty Limited (ABN 69 079 137 518). Any financial product advice provided by BPAY Pty Limited in relation to BPAY payment products is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such advice, you should review the terms and conditions and consider whether BPAY payment products are appropriate for your personal circumstances. 10. PayID. Terms of Use apply in respect of any PayID you create, attempt to create or request that we create for an Account and must be read together with any other terms and conditions that apply to the relevant Account. The complete PayID Terms can be reviewed and accepted before your create any PayID within your Internet Banking. 11. Apple Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Apple Pay and UniBank Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Apple PayTM. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. Apple, the Apple logo, Apple Pay, Apple Watch, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps, with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/km207105 12. Google Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Google PayTM and UniBank Mobile Wallet and are available on our website. Smart phone must be NFC (Near Field Communication) enabled and running Lollipop 5.0 and above. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Google PayTM. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. Android, Google PayTM and Android logo are trademarks of Google Inc. 13. Samsung Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Samsung Pay and UniBank Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Samsung Pay. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. For more information and a list of compatible Samsung Pay devices visit unibank.com.au/Samsung pay. 14. World’s Most Ethical Company. The Ethisphere Institute is a global leader in defining and advancing the standards of ethical business practice. The World’s Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework and honours superior achievements in transparency, integrity, ethics and compliance. Worlds Most Ethical Companies and ‘Ethisphere’ names and marks are registered trademarks of Ethisphere LLL. UniBank is a division of Teachers Mutual Bank Ltd, one of the 2019 Worlds’ Most Ethical Companies®. TMBL has been named a World’s Most Ethical Company from 2014-2018, and includes UniBank for 2016-2019. www.ethisphere.com Collection of Tax file numbers Collection of tax file numbers is authorised by, and their use and disclosure are strictly regulated by, the tax laws and Privacy Act, and it is not an offence if you choose not to quote your tax file number. If you don’t quote your tax file number, or claim an exemption, tax may be taken out of your interest or dividends. For more information about the use of tax file numbers, please go to ato.gov.au. Who can join Who can join? Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank. Additionally, individuals must be citizens or permanent residents of Australia. Not sure you can join? Contact us. Who else can join? International student/Non-resident? Apply here to become a Customer of the bank A full-time university student but still under 18 years? Apply here for an Under 18 membership Get Started *Important information Membership is open to citizens or permanent residents of Australia who are current or retired employees, graduates and students of an Australian university or are family members of members (i.e. shareholders) of the Bank. 1. Accounts. Please note – Before you decide on any of our products or services, we strongly recommend that you read both the Conditions of use - Accounts and access and Fees and charges booklets. You can find these online at our website or ask at any of our offices. We have not considered your objectives, financial situation or needs. 2. Reward Saver account bonus interest. Bonus interest is earned for each month that you deposit a minimum of $50, make no withdrawals during the month and the account has a credit balance at all times during that month. 3. Home loans and personal loans. All applications for credit are subject our responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices. 4. Offset facility. Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the FAQ section under Offset facility at unibank.com.au. At the end of the fixed rate period the interest rate reverts to the Flexi Choice loan variable annual percentage rate. 5. No ongoing fees. Refer to the Fees and charges brochure for details on fees and charges. Fees may apply if your loan account is in default or you seek other services, e.g. a loan variation. 6. Credit Card. All applications for credit are subject our responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions available online or from any of our offices. Introductory interest rate for new cardholders. At the end of 6 months the interest rate reverts to the standard ongoing interest rate. Awarded ‘Cheapest Credit Card – Bank’ in Money Magazine’s best of the best awards 2017. 7. Mobile Lenders. Please check our website for details of availability in your area. 8. Mobile and online banking. You should consider whether this service is appropriate for you before acquiring it. For additional information on security please refer to our Security Guide for electronic transactions available online. Access is subject to availability and maintenance. We test mobile banking to ensure compatibility with the majority of popular devices used by members but cannot guarantee that it will be compatible with all devices and operating systems. We do not charge you for accessing your accounts using your mobile. Internet data charges and call charges may be incurred through your mobile service provider - check with your Internet Service Provider or mobile phone service provider for more details. A 3G or 4G or Wi-Fi connection is needed for the mobile banking and map features. 9. OSKO by BPAY®. Osko is a registered trademark of BPAY Pty Limited. BPAY is a registered trademark of BPAY Pty Limited. Osko by BPAY is issued by over 60 BPAY Scheme participants. The BPAY scheme is managed by BPAY Pty Limited (ABN 69 079 137 518). Any financial product advice provided by BPAY Pty Limited in relation to BPAY payment products is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such advice, you should review the terms and conditions and consider whether BPAY payment products are appropriate for your personal circumstances. 10. PayID. Terms of Use apply in respect of any PayID you create, attempt to create or request that we create for an Account and must be read together with any other terms and conditions that apply to the relevant Account. The complete PayID Terms can be reviewed and accepted before your create any PayID within your Internet Banking. 11. Apple Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Apple Pay and UniBank Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Apple PayTM. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. Apple, the Apple logo, Apple Pay, Apple Watch, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps, with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/km207105 12. Google Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Google PayTM and UniBank Mobile Wallet and are available on our website. Smart phone must be NFC (Near Field Communication) enabled and running Lollipop 5.0 and above. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Google PayTM. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. Android, Google PayTM and Android logo are trademarks of Google Inc. 13. Samsung Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Samsung Pay and UniBank Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Samsung Pay. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. For more information and a list of compatible Samsung Pay devices visit unibank.com.au/Samsung pay. 14. World’s Most Ethical Company. The Ethisphere Institute is a global leader in defining and advancing the standards of ethical business practice. The World’s Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework and honours superior achievements in transparency, integrity, ethics and compliance. Worlds Most Ethical Companies and ‘Ethisphere’ names and marks are registered trademarks of Ethisphere LLL. UniBank is a division of Teachers Mutual Bank Ltd, one of the 2019 Worlds’ Most Ethical Companies®. TMBL has been named a World’s Most Ethical Company from 2014-2018, and includes UniBank for 2016-2019. www.ethisphere.com Collection of Tax file numbers Collection of tax file numbers is authorised by, and their use and disclosure are strictly regulated by, the tax laws and Privacy Act, and it is not an offence if you choose not to quote your tax file number. If you don’t quote your tax file number, or claim an exemption, tax may be taken out of your interest or dividends. For more information about the use of tax file numbers, please go to ato.gov.au. How to join How to join There are three convenient ways for you to join the bank: Online by selecting the 'Get Started' button below. Over the phone by contacting us on 1800 864 864. In person by visiting one of our branch offices. To get started and join as an Adult member, you will need: To be an Australian citizen or permanent resident 18 years old or over. Your identification documents with your full name, date of birth and address (e.g. Drivers Licence, Passport). Don't worry if you don't have your identification documents, we will call you to complete your application later. You will need to become a shareholder to join by paying a membership share of just $10 which is held by the bank on your behalf until you resign your membership, at which time it will be refunded to you. Specific application and identification requirements will apply if you are an International student/Non-resident or are under 18 years of age. Get Started International student/Non-resident? Apply here *Important information Membership is open to citizens or permanent residents of Australia who are current or retired employees, graduates and students of an Australian university or are family members of members (i.e. shareholders) of the Bank. 1. Accounts. Please note – Before you decide on any of our products or services, we strongly recommend that you read both the Conditions of use - Accounts and access and Fees and charges booklets. You can find these online at our website or ask at any of our offices. We have not considered your objectives, financial situation or needs. 2. Reward Saver account bonus interest. Bonus interest is earned for each month that you deposit a minimum of $50, make no withdrawals during the month and the account has a credit balance at all times during that month. 3. Home loans and personal loans. All applications for credit are subject our responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices. 4. Offset facility. Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the FAQ section under Offset facility at unibank.com.au. At the end of the fixed rate period the interest rate reverts to the Flexi Choice loan variable annual percentage rate. 5. No ongoing fees. Refer to the Fees and charges brochure for details on fees and charges. Fees may apply if your loan account is in default or you seek other services, e.g. a loan variation. 6. Credit Card. All applications for credit are subject our responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions available online or from any of our offices. Introductory interest rate for new cardholders. At the end of 6 months the interest rate reverts to the standard ongoing interest rate. Awarded ‘Cheapest Credit Card – Bank’ in Money Magazine’s best of the best awards 2017. 7. Mobile Lenders. Please check our website for details of availability in your area. 8. Mobile and online banking. You should consider whether this service is appropriate for you before acquiring it. For additional information on security please refer to our Security Guide for electronic transactions available online. Access is subject to availability and maintenance. We test mobile banking to ensure compatibility with the majority of popular devices used by members but cannot guarantee that it will be compatible with all devices and operating systems. We do not charge you for accessing your accounts using your mobile. Internet data charges and call charges may be incurred through your mobile service provider - check with your Internet Service Provider or mobile phone service provider for more details. A 3G or 4G or Wi-Fi connection is needed for the mobile banking and map features. 9. OSKO by BPAY®. Osko is a registered trademark of BPAY Pty Limited. BPAY is a registered trademark of BPAY Pty Limited. Osko by BPAY is issued by over 60 BPAY Scheme participants. The BPAY scheme is managed by BPAY Pty Limited (ABN 69 079 137 518). Any financial product advice provided by BPAY Pty Limited in relation to BPAY payment products is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such advice, you should review the terms and conditions and consider whether BPAY payment products are appropriate for your personal circumstances. 10. PayID. Terms of Use apply in respect of any PayID you create, attempt to create or request that we create for an Account and must be read together with any other terms and conditions that apply to the relevant Account. The complete PayID Terms can be reviewed and accepted before your create any PayID within your Internet Banking. 11. Apple Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Apple Pay and UniBank Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Apple PayTM. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. Apple, the Apple logo, Apple Pay, Apple Watch, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps, with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/km207105 12. Google Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Google PayTM and UniBank Mobile Wallet and are available on our website. Smart phone must be NFC (Near Field Communication) enabled and running Lollipop 5.0 and above. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Google PayTM. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. Android, Google PayTM and Android logo are trademarks of Google Inc. 13. Samsung Pay. You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Samsung Pay and UniBank Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Samsung Pay. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider for more details. For more information and a list of compatible Samsung Pay devices visit unibank.com.au/Samsung pay. 14. World’s Most Ethical Company. The Ethisphere Institute is a global leader in defining and advancing the standards of ethical business practice. The World’s Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework and honours superior achievements in transparency, integrity, ethics and compliance. Worlds Most Ethical Companies and ‘Ethisphere’ names and marks are registered trademarks of Ethisphere LLL. UniBank is a division of Teachers Mutual Bank Ltd, one of the 2019 Worlds’ Most Ethical Companies®. TMBL has been named a World’s Most Ethical Company from 2014-2018, and includes UniBank for 2016-2019. www.ethisphere.com Collection of Tax file numbers Collection of tax file numbers is authorised by, and their use and disclosure are strictly regulated by, the tax laws and Privacy Act, and it is not an offence if you choose not to quote your tax file number. If you don’t quote your tax file number, or claim an exemption, tax may be taken out of your interest or dividends. For more information about the use of tax file numbers, please go to ato.gov.au. Student banking UniBank student banking1 We understand that being a student can mean long hours studying, often while juggling part-time work with a social life and campus activities, and having to make smart and sensible decisions with your money. UniBank student banking1 has been developed especially for students to help you navigate this busy and exciting time in your lives. Built on what you’ve told us is important to you – simple, convenient banking and help with managing money. We know you’ll be working hard at uni this year, so let us take care of your banking so you can take care of the future. Know more about student banking To open a new account with us under our student banking program, you'll need: 1. To be a full-time university student, aged 17 years or over^. ^If aged 17 years you will join as an under 18/minor member. If aged 18 years or older you will join as an adult member. 2. Identification documents- e.g. current drivers licence or passport. Get Started International student/Non-resident? Apply here *Important information 1. Membership Membership is open to citizens or permanent residents of Australia who are current or retired employees, graduates and students of an Australian university or are family members of members (i.e. shareholders) of the Bank. Membership of the UniBank Student Banking program is open to citizens and permanent residents of Australia who are students of an Australian university or have graduated in the last two years and may be withdrawn at any time. Customer owned banking Customer owned banking Over 4.5 million Australians are members of mutual banks, credit unions and building societies. We have worked closely with Customer Owned Banking Association (COBA), to develop the Customer Owned Banking Code of Practice. The Customer Owned Banking Code of Practice is how we deliver on our guarantee to serve our members first. Know more about Customer Owned Banking Over 50s Program - Edvest Rewards begin at 50 with Edvest Edvest is a benefit scheme available to our members1 who are 50 years or older. Edvest wants to recognise and reward you with special discounts on selected products, better returns on your investments and much more. For just $30 per year, you’ll enjoy: Better returns on your investments Discounts on insurance, a car buying service and legal advice The ability to apply for higher limits on RediCredit overdrafts And more… Join today Download and complete the form Better returns2 We offer Edvest members higher interest rates on term deposits and cash management accounts than our standard product offers. Make your money work harder for you: Term deposits offer better returns, with terms ranging from 3 months to 3 years. Interest can be paid fortnightly, monthly, annually or on maturity. Our Cash Management account offers the flexibility of having money at call 24/7 with a competitive interest rate. Borrowing The ability to apply for a higher overdraft limit with RediCredit: Up to $20,000 for single Edvest members or $40,000 for joint Edvest members. One valuation reimbursed up to any value for a new home loan on selected home or investment property loan applications. Learn more about our savings accounts to determine which ones are right for you. Discounts One free safe custody package per year – store your important documents like Wills and title deeds at selected offices. Up to 10% off home and contents insurance3 and car insurance through our insurance partner, Allianz, our nominated insurer. Reduced fees ($10 discount for singles, $20 discount for couples) and a free initial consultation on Wills, Power of Attorney and Enduring Guardians4 provided by our nominated solicitors. Stay up-to-date with what matters most Access to Edvest News, a quarterly newsletter containing market news and updates and lifestyle, travel, superannuation and tax information. Join today Download and complete the form *Important information Please note – Before you decide on any of our products or services, we strongly recommend that you read both the Conditions of use Accounts and access and the Fees and charges booklets. You can find these online at our website or ask at any of our offices. We have not considered your objectives, financial situation or needs. 1 Membership eligibility applies to join the Bank. All applications for credit are subject to our responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices. 2 Edvest Cash Management and Edvest Term Deposit accounts are available for Edvest members only. An Edvest fee of $30 (charged annually or pro rata) is payable. 3 The Bank arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). The Bank acts as an agent for Allianz and not your agent. Neither the Bank nor Allianz provide advice based on any consideration of your objectives, financial situation or needs. To decide if it is right for you please carefully read the relevant product disclosure statement, available online or by contacting us. Personal effects cover to provide against loss or damage is available when you have contents cover. No Product Disclosure Statement is available for CTP insurance. Cover provided is in accordance with legislative requirements. A PDS is available, however, for the At Fault Driver Protection Insurance, please visit us online or contact us for more information. If you purchase this insurance, the Bank will receive a commission that is a percentage of the premium depending on the product. We also have an arrangement with Allianz Australia Insurance Limited (AAIL) to provide marketing, administrative and support services relating to Allianz insurance products in return for a share of aggregate profits from insurance policies (excluding CCI policies) issued by Allianz that we arrange. Ask us for more details before we provide you with any services on this product. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of publication and are subject to change without notice. For Home and Landlord insurance discounts may not be applied to any flood component of the premium (if applicable). 4 The solicitors who provide advice to members on wills, powers of attorney and the like, while endorsed by the Bank, are in fact completely independent. While we have taken steps to ensure that the solicitors recommended from time to time are licensed, we cannot accept liability arising out of the provision of any legal services that they offer.
