National Respite and Community Care Conference 2014 Jo O’Sullivan Community Development Manager mecu Limited ABN AFSL / Australian Credit Licence No trading as bankmecu

We’re a bank that does things differently. 100% customer owned We’re the only Australian bank in the Global Alliance for Banking on Values Our customers were $22m better off in 2014 compared to banking with the big four* Customer satisfaction has been over 90% for the past 9 years *Source: bankmecu's Cannex Valuation report June Canstar Cannex provides fact-based data and ratings to Australian consumers and financial institutions.

Australia’s first customer owned bank. Australia wide with 25 Service Centres More than 125,000 shareholder customers Over $3.3 billion dollars in assets Over 57 years in business

We give back to the community. Just like you. We're committed to building stronger communities We invest up to 4% of our after-tax profits in community projects that make a difference

Customer profits in action bankmecu Conservation Landbank

We’re committed to products and services that meet your banking needs We cover your organsation’s banking needs.

How will NDIS impact cash flow? What are your customers and stakeholders intentions? Plan changes Approach your partner bank early Terms, conditions, fees and charges apply and are available on application. Check bankmecu.com.au for the latest rates. NDIS – how will your respond? %

Ability to control fixed appreciating assets Ownership can assist to build a resilient organisation Ownership can provide flexibility and choice bankmecu is happy to assist you in owning your own property. Terms, conditions, fees and charges apply and are available on application. Loans subject to normal lending criteria and approval. Check bankmecu.com.au for the latest rates. Asset Ownership Commercial Loan %

Terms, conditions, fees and charges apply and are available on application. Rates are correct as at 01/10/2014, however are subject to change. Check bankmecu.com.au for the latest rates. Consider terms and conditions before deciding whether to apply. 1. Fee waivers may apply on some transactions. Our Community Access Account is a high interest bearing account and offers some great features: Funds available at call No minimum balance Tiered interest rates Fee waivers 1 With access to internet banking, account holders can enjoy the freedom of: Transferring between accounts Account transaction viewing Payroll processing Funds available at call Printable estatements Feature product: Community Access Account Up to 2.85 p.a. 1 %

Simple and inexpensive cash flow tool Ideal for managing staff expenses Flexible and easy to use Terms, conditions, fees and charges apply and are available on application. Loans subject to normal lending criteria and approval. Check bankmecu.com.au for the latest rates. Feature product: Credit Cards %

Where circumstances causes ‘bumpy’ cash flow then an overdraft is the ideal facility to provide funds: bankmecu overdrafts are designed specifically for the individual needs of each organisation No minimum or maximum amount Security may be required An economical source of funds Terms, conditions, fees and charges apply and are available on application. Loans subject to normal lending criteria and approval. Check bankmecu.com.au for the latest rates. Feature product: Overdrafts %

Feature product: Basic Home Loan Special For people purchasing, constructing a new home or looking to refinance from another bank. Redraw 3 Additional repayments accepted Choose from weekly, fortnightly or monthly repayments Repayment pause 4 No monthly fee Plus, we’ll waive your application fee if your loan is $150,000 4 or more. Offer available until 31 December mecu Limited ABN AFSL/Australian Credit Licence Number trading as bankmecu. 1.Terms, conditions, fees and charges apply and are available on application. Loans subject to normal lending criteria and approval. Interest rates expressed as annual percentage rates. Variable rates correct as at 20/10/2014 however are subject to change at any time. Check bankmecu.com.au for the latest rates. Applications must be received by 31/12/2014 and settled before 31/05/2015. Offer is restricted to new property purchase, new construction or for external refinance. 2.The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 3. A $25 redraw fee is payable for each redraw transaction. Minimum redraw of $500 applies. 4. Loans must be established for a full 12 months and a maximum loan to value ratio of 90% (Family-Pause) and 80% (Eco-Pause) applies. Pausing repayments will result in interest continuing to accrue on the loan, potentially increasing the terms of your loan. Full conditions available from bankmecu. 5.The $595 establishment fee applies to applications below $150, p.a p.a. 1 Basic Home Loan Special Comparison Rate % %

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