November 2016

Select the option that applies to you

• For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
• Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
• If you are on Government benefits, ask if you can receive an advance from Centrelink: www.humanservice.gov.au/advancepayments

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

Target Market Determination

Our Loan products are tailored to the needs of our customers. The target market determinations (TMDs) describe the group of consumers that are likely to be suited to our Personal Loan products based on consumer needs and the key features of the product.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.