Things you should know & read

The Product Disclosure Statements and publications contain important information including the terms and conditions and fees and charges that relate to our various products, accounts and access facilities.

Before deciding whether to hold or acquire any of our products and services, it's important that you read the relevant documents and hold onto them for future reference.

Product Disclosure Statements

• Savings Accounts & Payment Services Term Deposit Accounts Product Disclosure Statement
• Retirement Savings Accounts Product Disclosure Statement
• Qwealth Term Deposit Product Disclosure Statement

Supplementary Product Disclosure Statements

• Qsaver Supplementary Product Disclosure Statement
• Bonus Saver Supplementary Product Disclosure Statement
• Special Term Deposit Rate Supplementary Product Disclosure Statement
• Qwealth Term Deposit Supplementary Product Disclosure Statement
• International Transfer Supplementary Product Disclosure Statement
• DIY Super Saver Supplementary Product Disclosure Statement
• Retirement Savings Account Supplementary Product Disclosure Statement

Brochures

• Interest Rates Brochure
• Financial Services Guide
• Privacy Policy Brochure
• Fees and Charges Brochure
• Comparison Rates
• Financial Planning Brochure
• Savings Brochure
• Personal Loan Brochure
• Credit Card Brochure

Our Quarterly Public Disclosure Reports

• Public Disclosure Report December 2011
• Public Disclosure Report September 2011
• Public Disclosure Report June 2011
• Public Disclosure Report March 2011
• Public Disclosure Report December 2010
• Public Disclosure Report September 2010
• Public Disclosure Report June 2010
• Public Disclosure Report March 2010
• Public Disclosure Report December 2009
• Public Disclosure Report September 2009
• Public Disclosure Report June 2009
• Public Disclosure Report March 2009
• Public Disclosure of Report December 2008
• Public Disclosure of Report September 2008

Annual Reports

• Annual Report for Financial Year ending 2010/2011
• Annual Report for Financial Year ending 2009/2010
• Annual Report for Financial Year ending 2008/2009
• Annual Report for Financial Year ending 2007/2008

Note: some of these releases are provided in pdf format and require version, 4.0 (or later) of Adobe Reader. You can download Adobe Reader by clicking on the "Get Adobe Reader" button.