ISSUE-JANUARY 2013SUMMER - AUTUMN

522-550 Wellington Road, Mulgrave VIC 3170Phone: 1300 665 553Fax: 03 9263 2866

1 Woolworths Way, Bella Vista NSW 2153Phone: 1300 665 553Fax: 02 8885 0337

Phone: 1300 665 553 Website: www.wecu.com.au Woolworths Employees’ Credit Union Limited (ABN 67 087 651 803 AFS/Australian Credit Licence 240720)

Our new Mobile Phone Banking solution is available now on a range of devices including the iPhone, iPad, BlackBerry, Android and Windows Phone 7. Members can view account balances, perform transfers, pay bills or request a call or email at the touch of a button.

Security using the encrypted communication solutionConvenient and quick account access 24/7Customized for iPhone, iPad, BlackBerry, Android and Windows mobile

Start banking straight from your smartphone or tablet today. Visit our website www.wecu.com.au to get started.

For more information, please visit one of our branches or call us on 1300 665 553.

BANKINGSOLUTIONFOR YOURMOBILE LIFE

PIN change @ rediATMs is coming soonBy January 2013, you will be able to change your PIN at rediATMs that display the “change PIN” option. Some cardholders like to change their PIN for security reasons, others like to reduce the number of PINs they have to remember. Whatever the reason, it’s now a great deal easier.Visit our website www.wecu.com.au for more details.

Thank you to all of our great Members who have again supported your Credit Union your Financial Institution so well during 2012.

Passing on employee benefits was again our sole aim with the many products and services that WECU offer and with your continued support we were able to keep our Home Mortgage Loan interest rate below the big four banks again during the year as well as offer attractive and competitive deposit and investment interest rates.

I hope you enjoy reading this issue of our newsletter which displays our Scholarship winner and Hamilton Island contest winner as well as

handing over a $3,000 donation to Grant O’Brien as part of our CSR program and in addition introducing our enhanced Mobile Phone Banking platform and our new Financial Planning supplier Bridges Financial Services.

We at WECU wish all our members and their families a Merry Christmas and a Safe and Happy New Year.

Steve SampsonGeneral Manager

(Remember, once a Credit Union member, always a member)

DOLLARS & SENSE

ISSUE-JANUARY 2013SUMMER - AUTUMN

In This Issue

Message from Steve

WOOLWORTHS EMPLOYEES’ CREDIT UNION

Message from SteveIntroducing BridgesWoolworths Charity of the

month$5,000 Scholarship AwardHamilton Island promotion

winner announcedIntroducing New Staff‘Cashback on Car Loans’

new promotionQBE PromotionMobile Phone Banking Solution

Introducing Bridges for professional financial planning adviceWhether we are at the beginning of our working lives, well established, or already enjoying our retirement, professional financial planning advice can make a major contribution to achieving our financial goals and meeting our lifestyle needs.Through our alliance with Bridges, WECU can offer mem-bers a comprehensive financial planning and stockbroking service, which provides valuable advice on superannuation and investment strategies, retirement income planning and related matters.Bridges has been closely associated with the Credit Union

Movement since 1985, and now provides professional ad-vice to over 50,000 clients, many of whom are credit union and building society members. Bridges can provide advice in areas such as:

Where value lies in shares, share floats and other investments.Strategies and options when you take redundancy or early retirement.Tax-effective superannuation and retirement planning strategies.Securing the best possible retirement income, in many cases paying no tax at all.Protecting your family through insurance and estate planning strategies.Advice on investment of an inheritance, compensation payout or other substantial sum.Keeping your investments and circumstances under continuous reviewAged care arrangements.

Bridges’ financial planning advice is prepared specifically to meet your needs and to consider all the financial planning issues that concern you and your family, both now and in the future.

‘Cashback’on Car Loans

See page 3 for more details on this promotion

Woolworths Charity of the Month

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Steve Sampson recently presented a $3,000 cheque to Grant O’Brien as a donation from WECU’s Corporate Social Responsibility Strategy towards the Avner Nahmani Pancreatic Cancer Foundation.

HAMILTION ISLAND PROMOTION WINNER

ANNOUNCED

Woolworths Employees’ Credit Union and QBE Insurance ‘WIN A TRIP FOR 2 AT

HAMILTON ISLAND’ Promotion Draw was held on the 8th of October 2012 at 2.00pm.

The winner of the ‘Hamilton Island’ promotion was Lorraine McDowell from

Hillside Victoria. Congratulations Lorraine on winning your prize valued at around $4,000.

Woolworths Employees’ Credit Union $5,000 Scholarship Award

was launched in July this year. Four nominated applications were selected from those received for the interview stage. Interviews were conducted in

September-October. Dean McKenzie from Tasmania was the recipient of

the $5,000 Scholarship and was very excited to receive this award which

was announced after the AGM on Wednesday 21st November.

Congratulations Dean!

Eva Schelling Call Specialist Operator

2012 Student Scholarship Award

L-R: Woolworths CEO Grant O’Brien and Steve Sampson (General Manager WECU)

Introducing our new Staff Member

I have a 10 year old daughter and my partner and I are due to get married in the coming year. I am a Bikram Yoga fanatic. I love spending time with my family and friends. My weekends are spent going away on mini adventures/holidays and we enjoy fine dining. I also love cooking and having friends over for dinner. I have a wealth of experience in sales and marketing and I am very excited to transfer my experience across to help our members and I look forward to a long and rewarding future with WECU.

ISSUE-JANUARY 2013SUMMER - AUTUMN

QBE PROMOTION

‘Cashback’ on Car LoansSave 20% of your total interest on your Loan for a new Car today!By keeping to the original term of your loan contract you will receive a refund of 20% of the total interest paid during the term of your loan. This will reduce your overall cost of borrowing and promote responsible repayment.

This

you have paid your loan in full we will review your

20% of the total interest paid during the term of the loan back into your access account.

For

In addition to this offer, you can take advantage of a range of features and benefits, including:

Four year new car replacement option Insure your brand new car with QBE within two years of purchase, and if it’s written off within the first four years or 100,000kms, it will be replaced with a new one (conditions apply).

Lifetime no claim bonus protection The option to safeguard against losing your No Claim Bonus on your car insurance, for life.

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When you take out a new QBE Home Building, Home Contents, Valuables, Landlords or Comprehensive Motor Policy through Woolworths Employees’ Credit Union between 15 January 2013 and 28 February 2013 you will be rewarded with a $50 Woolworths WISH Gift Card for each new policy*.

To take up this great offer or find out more information, telephone WECU on 1300 665 553 or visit wecu.com.au.

Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength — as well as its prompt, efficient and friendly claims service — that we’ve made it our insurance provider.

This partnership enables us to deliver Woolworths Employees’ Credit Union Limited members quality and value in insurance products, with the added convenience of having everything under the same roof.

* Woolworths WISH Gift Cards are not transferable for cash. Neither QBE nor WECU is liable for the activation, use or supply of any goods or services in connection with the Woolworths WISH Gift Cards.

This material does not take into account your personal needs, objectives and financial circumstances and you should read the product disclosure statement available at all WECU member service centres when considering whether it is appropriate for you.

Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545. Normal underwriting conditions apply.

Woolworths WISH Gift Cards conditions and exclusions apply. For full terms of use visit giftcards.com.au.

For promotion Terms & Conditions visit our website www.wecu.com.au

www.wecu.com.auWoolworths Employees’ Credit Union Limited ABN 67 087 651 803 AFSL/Australian Credit Licence 240720

Arrange your insurance through Woolworths Employees’ Credit Union and reward yourself!

Be rewarded

Household no claim bonus Be rewarded for not making claims with a discount of up to 30 per cent after three claim-free years.

Woolworths Employees’ Credit Union Limited is pleased to offer you a comprehensive range of insurance solutions such as Home Building, Home Contents, Landlords or a Comprehensive Motor Policy through our association with QBE Insurance.