Consumers who are looking for a fully featured everyday transaction account that provides convenient access to their funds.

The Access Account provides branch, online, mobile and ATM access with no minimum balance or deposit amounts and no monthly service fee. Some transactions will incur transaction fees.

The Access Account is designed to meet a range of transactional banking needs. The likely objectives of an account holder are those seeking a fully featured deposit account with the ability to draw on funds for everyday transactions, flexibility in the way funds can be accessed, with no monthly service fees. Account holders are likely to need to withdraw funds easily and immediately.

The Access Account is not designed for:
- Consumers seeking to earn deposit interest.

Consumers can only open an Access Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers aged over 55 and receiving a Government pension looking for a higher rate of interest than a transaction account.

The Pension Access Account provides branch, online, mobile and ATM access with no minimum balance or deposit amounts. Account has no monthly service fee but some transactions will incur transaction fees.

The Pension Access Account is designed for consumers aged over 55 and receiving a Government pension. The likely objectives are those seeking a fully featured deposit account with higher interest rates than other transaction accounts, the ability to draw on funds for everyday transactions, and flexibility in the way funds can be accessed. Account holders are likely to need to withdraw funds easily and immediately.

The Pension Access Account is not designed for:
- Consumers under the age of 55; or
- Consumers not receiving a pension.

Consumers can only open a Pension Access Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Account holders need to be aged over 55 and be receiving an Australian Government Pension. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Australian Defence Force messes, military canteens and defence related clubs looking for an account with shared access.

The Mess Account provides branch, online, mobile and ATM access with no minimum balance or deposit amounts. Account has no monthly service fee and some transactions will incur transaction fees.

The Mess Account is designed for Australian Defence Force messes, military canteens and defence related clubs seeking a fully featured deposit account for the administration of group costs and spending. The likely objectives of an account holder are the ability to draw on funds for everyday transactions, flexibility in the way funds can be accessed and to be able to withdraw funds easily and immediately.

The Mess Account is not designed for:
- Non Australian Defence Force messes, military canteens and defence related clubs ; or
- Personal Consumers.

Consumers can only open a Mess Account via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Current or former Australian Defence Force recruits or cadets looking for a fully featured transaction account with convenient access to their funds.

The Recruit Salary Saver Account provides branch, online, mobile and ATM access with no minimum balance or deposit amounts. Monthly service fee is waived for eligible members. Some transactions will incur transaction fees.

The Recruit Salary Saver Account is designed to meet a range of transactional needs for new Australian Defence Force recruits and cadets who are aged between the age of 12-30 years old at account opening. The likely objectives of an account holder are to be able to withdraw funds quickly and easily.

The Recruit Salary Saver Account is not designed for:
- Consumers younger than 12 years of age or over 30 years of age at time of account opening

Consumers can only open a Recruit Salary Saver Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for a transaction account with cashback rewards and charity donation features.

The Military Rewards Account provides branch, online, mobile and ATM access. It pays a charity donation at month end, and provides members with cash back based on payWave transactions. The monthly service fee is waived if at least $2,000 is deposited each month. Some transactions will incur transaction fees.

The Military Rewards Account is designed for consumers seeking a transaction account that allows them to draw on funds for everyday transactions and offers flexible access, cashback on paywave purchases (terms and conditions apply) and donations to charity partners. The likely objectives of an account holder are to be able to withdraw funds quickly and easily.

The Military Rewards Account is not designed for:
- Consumers seeking to earn deposit interest.

Consumers can only open a Military Rewards Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Eligible Home Loan account holders looking to minimise interest charges with at call funds in a transaction account.

The Mortgage Offset Account can assist in reducing home loan interest expenses whilst providing branch, online, mobile and ATM access with no minimum balance or deposit amounts. Some transactions will incur transaction fees.

The Mortgage Offset Account is designed for eligible home loan account holding consumers who are also seeking a fully featured deposit account, the ability to draw on funds for everyday transactions, flexibility in the way funds can be accessed, and with the benefit of reducing Home Loan interest charges
Account holders are likely to need to withdraw funds easily and immediately

The Mortgage Offset Account is not designed for:
- Non Home Loan borrowers (or with non eligible home loans); or
- Consumers seeking to earn deposit interest.

Consumers can only open a 100% Mortgage Offset Account via an Australian Military Bank Branch, mobile banker, or contact centre. Account holders need to hold an eligible Australian Military Bank Home Loan to link to the offset account. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking to save funds with a competitive interest rate but funds are only available within a specified period.

The Christmas Club Account pays interest annually on 31 October, but with restricted access (1 Nov - 31 Jan). Access options include branch, mobile and online. No minimum balance or deposit requirements apply.

The Christmas Club Account is designed to meet the needs of consumers seeking to save funds for later access and primarily these funds will be used for Christmas related expenses, but could be for other purposes (but within this access period - e.g. return to school costs). Account holders are likely to have a known need for access to savings at a set time of year.

The Christmas Club Account is not designed for:
- Consumers that will require access to the funds in the non access periods.

Consumers can only open a Christmas Club Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes, product balances, and withdrawal requests in the non access periods; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for an interest paying account with at call access.

The Cash Management Account pays interest on a quarterly basis. Access options include branch, mobile and online. Product has a $5,000 minimum balance.

The Cash Management Account is designed for consumers seeking to earn interest whilst saving funds for later access, but with at call access. Account holders are likely to need to be able to access funds at call, but not via standard transaction methods (card/ATM etc.).

The Cash Management Account is not designed for:
- Consumers unable to meet the minimum deposit or balance conditions.

Consumers can only open a Cash Management Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for a savings account that rewards savings behaviour, but still has at call access.

The Online Saver Account pays interest on credit balances (at certain balances), with no fees for accessing funds. Bonus rates of interest are dependent on balance and no withdrawals being made during the month. Account owner also needs a valid transaction account with an Australian Bank in the same name as the Online Saver.

The Online Saver account is designed for consumers who are seeking a savings account that has bonus interest eligibility. The likely objectives of an account holder is the ability to earn bonus interest, without requiring access via standard transaction accounts methods (branch or card/ATM).

The Online Saver product is not designed for:
- Consumers looking to make staff assisted transactions; or
- Consumers looking to make regular withdrawals.

Consumers can only open an Online Saver Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers aged under 18 and looking for an interest paying savings account with at call access to funds.

The Junior Saver Account provides transaction account access whilst offering a savings account rate of interest. Account has no monthly service fee but some transactions will incur transaction fees.

The Junior Saver Account is designed to meet the transactional and savings needs of consumers aged under 18, which may include parent/guardian(s) being signatories on the account to assist in administration. The likely objectives of an account holder is to earn interest on savings and possibly to start a longer term savings plan.

The Junior Saver Account is not designed for:
- Consumers aged 18 years or older at the time of account opening; or
- Parents/Guardian(s) who may seek to access these funds in the future for personal use.

Consumers can only open a Junior Saver Account via an Australian Military Bank Branch, mobile banker, or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for an investment with a fixed term and rate of return, but without at call access.

Term Deposits provide a locked in interest rate with reduced access compared to other products. Member can choose interest to be paid monthly or at maturity. For Term Deposits with a maturity greater than 12 months, interest will be paid annually and then at maturity.

Term Deposits are designed for consumers seeking an investment with a fixed term and interest rate, and are willing to not have access for this period. The likely needs of an account holder are to earn interest on their funds with no immediate need to access the funds.

The Term Deposit is not designed for:
- Consumers likely to need access to the funds during the term of the investment.

Consumers can only open a Term Deposit from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes, product balances, and withdrawal requests in the non access periods; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for a home loan that's secured against a property that don’t need an offset account.

The RateSaver Home Loan is secured against a residential property. Product features include flexible repayment options, redraw facility, split loan option, and no monthly or annual fees. Minimum loan amount is $150,000. Can be used for Owner Occupied or Investment purposes. Compatible with Defence Home Ownership Assistance Scheme (DHOAS) on Owner Occupied loans, subject to eligibility.

RateSaver Home Loan is designed for consumers seeking a loan with a residential owner occupied or investment property used for security. The likely needs of an account holder are the flexibility of having access to redraw additional funds if available.

The RateSaver Home Loan is not designed for:
- Consumers who do not meet product or credit assessment criteria; or
- Consumers looking to leverage an offset facility.

Consumers can only apply for a RateSaver Home Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers borrowing to build or renovate a owner occupied or investment property, and looking to minimise expenditure during build phase through benefit of interest only repayments during construction.

The Construction Loan assists with building a new property or renovation with progressive draw downs during construction. Loan term of up to 2 years, and minimum loan amount of $50,000. Loan is interest only during construction phase. No monthly or annual fees apply. Loan can be for Owner Occupied or Investment purposes. Compatible with Defence Home Ownership Assistance Scheme (DHOAS) on Owner Occupied loans, subject to eligibility.

The Construction Loan is designed for consumers seeking to build or renovate an owner occupied or investment property. The likely needs of an account holder is the financial benefit of lower repayments from the loan being interest only during construction phase.

The Construction Loan is not designed for:
- Consumers who do not meet product or credit assessment criteria; or
- Consumers that do not meet the product criteria.

Consumers can only apply for a Construction Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers borrowing for a variety of purposes secured against a property who are looking for a fixed repayment amount for a period of time. Offset and redraw features are not required.

The Fixed Rate Home Loan provides fixed repayments for a set period of time. Features include flexible repayment options, and split loan option. Fees and charges may apply. Minimum loan amount $150,000. Loans can be for Owner Occupied (fixed for 1, 2, 3 or 5 years) or Investment (fixed for 2 or 3 years) purposes. Compatible with Defence Home Ownership Assistance Scheme (DHOAS) on Owner Occupied loans, subject to eligibility.

The Fixed Rate Home Loan is designed for consumers seeking a loan with a residential property used for security. The likely needs of an account holder is the benefit of fixed repayments for a set period.

The Fixed Rate Home Loan is not designed for:
- Consumers who do not meet product or credit assessment criteria;
- Consumers looking to sell or refinance during the fixed rate term; or
- Consumers looking to leverage an offset or redraw facility.

Consumers can only apply for a Fixed Rate Home Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers borrowing for owner occupied or personal purposes but secured against a owner occupied property and are looking for offset and redraw access.

The Value Home Loan provides a greater range of features vs other products. Features include flexible repayment options, redraw and offset facility, split loan option, no monthly or annual fees. Minimum loan amount $150,000. Can be only used for owner occupied loan purposes. Compatible with Defence Home Ownership Assistance Scheme (DHOAS), subject to eligibility.

The Value Home Loan is designed for consumers seeking a loan with a residential property used for security. Most common reason for borrowing will be for an owner occupied purpose. The likely needs of an account holder would be to have an offset account as well as redraw access.

The Value Home Loan is not designed for:
- Consumers who do not meet product or credit assessment criteria; or
- Consumers who are borrowing for property investment purposes;
- Consumers looking for fixed repayments over the loan term.

Consumers can only apply for a Value Home Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers borrowing for a variety of purposes secured against a property who are looking for offset account and redraw access.

The Variable Offset Home Loan provides a greater range of features vs other products. Features include flexible repayment options, redraw and offset facility, and split loan option. Fees and charges may apply. Minimum loan amount is $50,000 for Owner Occupied loans and $30,000 for investment loans. Loan can be for Owner Occupied or Investment purposes. Compatible with Defence Home Ownership Assistance Scheme (DHOAS) on Owner Occupied loans, subject to eligibility.

The Variable Offset Home Loan is designed for consumers seeking an Owner Occupied or Investment home loan with a residential property used for security. The likely needs of an account holder include the need for an offset account and redraw access.

The Variable Offset Home Loan is not designed for:
- Consumers who do not meet product or credit assessment criteria; or
- Consumers looking for fixed repayments over the loan term.

Consumers can only apply for a Variable Offset Home Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for personal finance for a specific purpose (assists with purchase of renewable or low-use energy products).

The Green Loan provides credit for a specific purpose.

The Green Loan is designed for consumers looking to take out a personal loan linked to a specific purpose.

The Green Loan is not designed for:
- Consumers who do not meet credit assessment criteria; or
- Consumers whose purpose of finance doesn’t meet the product criteria.

Consumers can only apply for a Green Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for personal finance, with a valid asset to secure against the loan.

The Car Loan provides credit for an approved purpose. The loan is secured against a valid asset.

The Car Loan is designed for consumers seeking a secured personal loan with a wide range of valid purposes.

The Car Loan is not designed for:
- Consumers who do not meet credit assessment criteria; or
- Consumers who do not have a valid asset for the security

Consumers can only apply for a Car Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for personal finance (loan maybe secured or unsecured).

The Personal Loan provides credit for an approved purpose.

The Personal Loan is designed for consumers seeking a personal loan with a wide range of valid purposes.

The Personal Loan is not designed for:
- Consumers who do not meet credit assessment criteria

Consumers can only apply for a Personal Loan from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, broker or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking for access to a revolving line of credit that offers interest free days on purchases to manage repayments.

The Low Rate Credit Card Account provides a revolving line of credit with interest free days on purchases. An annual fee applies, and some transactions will incur transaction fees. Account provides access via ATM, Branch, EFTPOS, internet and mobile banking.

The Low Rate Credit Card Account is designed for consumers seeking access to a line of credit with the ability to access funds for everyday transactions. The likely objectives of an account holder are flexibility in the way funds can be accessed; ongoing revolving line of credit and access to interest free credit on purchases.

The Low Rate Credit Card Account is not designed for:
- Consumers who do not meet credit assessment criteria; or
- Consumers not able to make regular repayments.

Consumers can only apply for a Low Rate Credit Card Account from our website or mobile banking app or via an Australian Military Bank Branch, mobile banker, or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers looking to safeguard and grow their super nest egg ahead of retirement in a fixed term deposit or variable savings retirement account.

The Capital Guaranteed Super Account provides the option of:
1. A locked in rate of interest with reduced access compared to other products. Account holders can chose 12, 24 or 36 month fixed terms with interest paid at maturity and minimum balance is $20,000.
2. A Variable rate savings account interest paid monthly and minimum balance is $6,000.

Capital Guaranteed Super Accounts are designed for consumers saving for a pending retirement and seeking an investment with a fixed term and interest rate, who do not need access for this period, with a linked variable savings account with at call access. The likely needs of an account holder are to earn interest on their funds.

The Capital Guaranteed Super Account is not designed for:
- Consumers looking to save funds for a purpose other than retirement; or
- Consumers seeking exposure to non-cash asset classes for their superannuation.

Consumers can only open a Capital Guaranteed Super Account via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes, product balances, and withdrawal requests in the non access periods; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers who have met a superannuation condition of release and are looking to ensure a regular income stream in a fixed term deposit or variable savings retirement account.

The Capital Guaranteed Pension Account is a complying Account-Based Pension account that requires a minimum $50,000 opening deposit (rolled over from a complying superannuation fund) and ongoing minimum balance of $6,000. This product can provide Transition-to Retirement pensions.
This account provides:
1. A Variable rate savings account with interest paid monthly; and
2. The option to invest up to 80% of the balance in a fixed term deposit with a fixed rate of interest for a 12, 24 or 36 month term with interest paid at maturity. The minimum balance of the fixed term portion is $20,000.

Capital Guaranteed Pension Accounts are designed for consumers who have met a superannuation condition of release and wish to commence regular withdrawals from their superannuation balances, seeking an investment that protects against negative returns and may seek to invest part of their balance in a fixed term and interest rate with restricted access for the fixed rate period. The likely needs of an account holder are to earn interest on their funds and receive a regular income stream of at least the value of legislated minimum annual drawdowns.

The Capital Guaranteed Pension Account is not designed for:
- Consumers looking to save funds for a purpose other than retirement;
- Consumers not wishing to commence drawdowns from their superannuation balances; or
- Consumers seeking exposure to non-cash asset classes for their superannuation.

Consumers can only open a Capital Guaranteed Pension Account via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

Consumers who have an ATO compliant Self Managed Super Fund (SMSF) who are looking for a savings account with a competitive rate of interest.

The DIY Super Saver pays interest on balances for SMSF accounts. Deposit and enquiry access options are in-branch, online and mobile. Withdrawals must be in line with SMSF rules. Product has no minimum balance or deposit amounts.

The DIY Super Saver Account is designed for financially savvy consumers with an ATO compliant Self Managed Super Fund. The likely objectives of a consumer are to earn interest on their funds, but no access via standard transaction accounts methods (card/ATM).

The DIY Super Saver Account is not designed for:
- Consumers not administering a SMSF; or
- Individuals.

Consumers can only open a DIY Super Saver Account via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

RSL Sub Branch Members looking for personal finance for a specific purpose (assists with purchase of renewable or low-use energy products).

The RSL Money Green Loan provides credit for a specific purpose.

The RSL Money Green Loan is designed for RSL Sub Branch members looking to take out a personal loan with a low rate linked to a specific purpose.

The RSL Money Green Loan is not designed for:
- Non RSL Sub Branch Consumers
- Consumers who do not meet credit assessment criteria; or
- Consumers whose purpose of finance doesn’t meet the product criteria.

Consumers can only apply for a RSL Money Green Loan via an Australian Military Bank Branch or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

RSL Sub Branch Members looking for access to a revolving line of credit that also offers interest free days on purchases to manage repayments.

The RSL Money Low Rate Credit Card provides a revolving line of credit with interest free days on purchases. An annual fee applies, and some transactions will incur transaction fees. Account provides access via ATM, Branch, EFTPOS, internet and mobile banking.

The RSL Money Low Rate Credit Card is designed for RSL Sub Branch members seeking access to a line of credit with the ability to access funds for everyday transactions. The likely objectives of an account holder are flexibility in the way funds can be accessed; ongoing revolving line of credit and access to interest free credit on purchases.

The RSL Money Low Rate Credit Card is not designed for:
- Non RSL Sub Branch Members;
- Consumers who do not meet credit assessment criteria; or
- Consumers not able to make regular repayments

Consumers can only apply for a RSL Money Low Rate Credit Card via an Australian Military Bank Branch or contact centre. Applications are subject to Credit Assessment. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Application meeting Australian Military Bank credit assessment criteria;
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

RSL Sub Branch Members who are retired and/or are receiving a Government or Superannuation pension looking for a higher rate of interest than on a transaction account.

The RSL Money Pension Account earns a competitive rate of interest and provides online, mobile and ATM access with no minimum balance or deposit amounts. No monthly service fee but some transactions will incur transaction fees.

The RSL Money Pension Account is designed for RSL Sub Branch members who are retired and/or are receiving a Government or Superannuation pension. The likely objectives of an account holder are those seeking a fully featured deposit account with higher interest rates than other transaction accounts, the ability to draw on funds for everyday transactions, flexibility in the way funds can be accessed and the need to withdraw funds easily and immediately.

The RSL Money Pension Account is not designed for:
- Non RSL Sub Branch Member;
- Consumers not retired; or
- Consumers not receiving a pension.

Consumers can only open a RSL Money Pension Account from our website or mobile banking app or via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

RSL Sub Branches looking for an account with shared access and no account keeping fees.

The RSL Money Sub Branch Account provides online, mobile and ATM access with no minimum balance or deposit amounts. No monthly service fee but some transactions will incur transaction fees.

The RSL Money Sub Branch Account is designed for RSL Sub Branches seeking a fully featured deposit account for the administration of group costs and spending. The likely objectives of an account holder are those seeking to draw on funds for everyday transactions, flexibility in the way funds can be accessed and the ability to withdraw funds easily and immediately.

The RSL Money Sub Branch Account is not designed for:
- Non RSL Sub Branches; or
- Personal Consumers.

Consumers can only open a RSL Money Sub Branch Account from our website or mobile banking app or via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.

RSL Sub Branch and Sub Branch Members looking for an investment with a fixed term and rate of return, but without needing at call access.

RSL Term Deposits provide a locked in rate of interest with reduced access compared to other products. Members can choose interest to be paid monthly or at maturity.

RSL Term Deposits are designed for RSL Sub Branch Members seeking an investment with a fixed term and interest rate, who do not need access during this period. The likely needs of an account holder are to earn interest on their funds with no immediate need to access the funds.

The RSL Term Deposit is not designed for:
- Non RSL Sub Branch and Sub Branch Consumers; or
- Consumers likely to need access to the funds during the term of the investment.

Consumers can only open a RSL Term Deposit from our website or mobile banking app or via an Australian Military Bank Branch or contact centre. Only authorised Australian Military Bank staff can assist with branch and phone distribution. Australian Military Bank has appropriate controls in place to ensure customers meet eligibility requirements, and distribution conditions to ensure this product is only sold to consumers in the target market. These conditions include measures such as:
- Appropriate staff training on product features, benefits, and the associated target markets;
- Product materials and documentation that explain the product; and
- Reporting and measurement of product performance, and associated review triggers.

As the distributor and issuer of this product, Australian Military Bank collects information and prepares reports regarding distribution activity, performance, complaints, and any occasions where this product has been sold contrary to the TMD at least quarterly to help improve our products and service.
We will review this TMD if:
- Material changes are made to the product;
- There is a significant regulatory event;
- There is a regulatory order or direction that implies that this TMD is no longer appropriate;
- Significant changes are required to product terms and conditions;
- The way the product is distributed changes;
- Feedback indicates concerns regarding the design or distribution of this product;
- The overall performance and value provided to account holders by this product indicate the TMD is no longer appropriate. This would include metrics such as account closure volumes and product balances; or
- We identify that there has been a significant dealing in the product that is not consistent with the TMD.
Our review will occur within 10 business days of any of the above events occurring.
In any event, a review of this TMD will be completed no later than two years from the publication date and subsequently at two-yearly intervals.