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Master Card Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ and Cash Passport™ Platinum (“Cash Passport”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984).You should consider the Product Disclosure Statement for the relevant Cash Passport available at before deciding to acquire the product.Costs such as early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.Comparison rate is based on a ,000 loan over 5 years.Ever wished you could make your world a happier place?Scientists have found that 40 per cent of happiness is entirely down to what we think and do.An eligible home loan is a First Home Buyers Standard Variable Special Offer or First Home Buyers 5 Year Fixed Rate Special Offer with minimum new home lending in the Home Package Plus of 0,000.The annual package fee of 5 will be charged and refunded for the life of the loan, expiring only if the loan is closed or varied out of the product or package.

Fee will be charged and waived for as long as the account is held.Each borrower, whether individually or jointly, can only ever receive a payment of

Fee will be charged and waived for as long as the account is held.

Each borrower, whether individually or jointly, can only ever receive a payment of $1,500 once.

If any of the borrowers have received a payment whether individually or jointly under the Refinance Offer previously then no further payments will be made.

Suncorp Bank distributes Cash Passport as agent for Mastercard Prepaid Management Services Australia Pty Ltd. Suncorp Bank promotes and distributes Suncorp Clear Options Credit Cards on Citigroup’s behalf under an agreement with Citigroup.

Suncorp Bank will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and telephone banking).

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Fee will be charged and waived for as long as the account is held.Each borrower, whether individually or jointly, can only ever receive a payment of $1,500 once.If any of the borrowers have received a payment whether individually or jointly under the Refinance Offer previously then no further payments will be made.Suncorp Bank distributes Cash Passport as agent for Mastercard Prepaid Management Services Australia Pty Ltd. Suncorp Bank promotes and distributes Suncorp Clear Options Credit Cards on Citigroup’s behalf under an agreement with Citigroup.Suncorp Bank will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and telephone banking).

,500 once.If any of the borrowers have received a payment whether individually or jointly under the Refinance Offer previously then no further payments will be made.Suncorp Bank distributes Cash Passport as agent for Mastercard Prepaid Management Services Australia Pty Ltd. Suncorp Bank promotes and distributes Suncorp Clear Options Credit Cards on Citigroup’s behalf under an agreement with Citigroup.Suncorp Bank will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and telephone banking).

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