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	var mc = "<h1>Community Partnership Account</h1>\
	<img src=\"images/community_part.jpg\" />\
	<p>The Community Mutual Group offers you a Community Partnership Account (CPA) which assists community-based organisations with their fundraising activities. The CPA is a full access savings account that offers a competitive interest rate and a guarantee that we will reward the account holder&rsquo;s nominated community group with an annual bonus payment. The Account holder WINS with a competitive transaction account, the community group WINS with financial support and we WIN as we are able to direct more funds back into the communities in which we operate!</p>\
	<p><strong>How does it work?</strong></p>\
	<p>Interested Community Groups need to register with The Community Mutual Group to become a Recipient Organisation.  We will then place the organisation&rsquo;s name on our list of recipient organisations and individual members can elect to support their favourite groups by opening a Community Partnership Account.</p>\
	<p>On 30 June each year we calculate the average annual balance of accounts held by supporters of each recipient organisation. This amount is then used by us to make a 1% bonus payment to the chosen Community Organisation.</p>\
	<p><strong>What can community groups do?</strong></p>\
	<p>Community Groups can encourage Community Partnership Accounts to be opened by letting supporters know about it through their own newsletters, meetings and functions. Community Groups can also distribute these brochures to  their supporters.  When a whole community gets behind their favourite charity, sporting club or community organisation, small amounts saved by individuals can become significant to their fundraising goals.</p>\
	<p><strong>How can you support your favourite community group?</strong></p>\
	<p>You can support your chosen community organisation without it costing you anything. As long as you have money in your account, your chosen organisation will receive an annual bonus from us. Thanks to supporters choosing their favourite community organisation, the recipient can continue to enjoy this bonus payment each year.</p>\
	<p>The more supporters an organisation obtains the more they will receive in their annual bonus payment&mdash;encourage your relatives and friends to become supporters today.</p>\
	<p><strong>How can I access funds in the CPA?</strong></p>\
	<p>The Community Partnership Account is an everyday transaction account with a variety of access methods to suit you! Access your funds at call through a cheque book, EFTPOS, ATM, Web Access (Internet Banking), Swift Access (telephone banking), VISA Debit card and BPAY&reg;.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Community Partnership Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>High Rise Account</strong></h1>\
	<img src=\"images/high_rise2.gif\" />\
	<p>You can earn higher interest on your money while still having it on-call in our High Rise Account. Interest is calculated on a tiered rate depending on daily balances. You can direct credit the whole (or part) of your pay to this account. We can also arrange Periodical Payments and Direct Debits for this account and you can check your balance using Swift Access (our telephone banking system) and Web Access (our internet banking system).</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />\
	Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the High Rise Account, Periodical Payments, Direct Debit, Swift Access and Web Access.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>Access Savings Account</strong></h1>\
	<img src=\"images/access_savings.jpg\" />\
	<p>The Access Savings Account (S1) is an award winning full access transaction account which is automatically opened with every new membership.</p>\
	<p>The Access   Savings Account offers flexibility with a range of access methods including full   branch access through a network of branches across the New England andNorth West regions of NSW. Full remote access is available through Swift Access (phone) and Web Access (Internet) banking facilities, EFTPOS, Cheque Book, Visa Access Card or Redicard, Direct Credits and Direct Debits. The Access Savings Account offers you freedom, flexibility and convenience.</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Your salary can be direct credited to this account.</p>\
	<p>&#8195;&#8594;&#8195;Generous fee structure. See the fees and charges brochure for details of excess transaction fees.</p>\
	<p>&#8195;&#8594;&#8195;No monthly account keeping fee.</p>\
	<p>&#8195;&#8594;&#8195;The ability to choose how you access your funds - over the counter or electronically.</p>\
	<p>&#8195;&#8594;&#8195;Interest is calculated on the minimum monthly balance and is paid to the account every 6 months.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call   132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Access Savings Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Youth Account</strong></h1>\
	<img src=\"images/youth.jpg\" />\
	<p>The Youth Account is a full access transaction account designed for members under the age of 18. </p>\
	<p>The account provides full branch access for deposits, withdrawals or counter cheques. Account balances can be obtained through Swift Access (telephone banking) and Web Access (Internet Banking). Remote access via Redicard is available on this account where the child is over 12 years of age. A competitive interest rate is applied to the account. See the interest rate brochure for the current rates.</p>\
	<p>To open an account talk to us today!</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Direct credits of any amount can be made to this account.</p>\
	<p>&#8195;&#8594;&#8195;Competitive interest rate.</p>\
	<p>&#8195;&#8594;&#8195;Upon the member reaching the age of 18, we require the account to be transferred to another transaction account (usually S1).</p>\
	<p>&#8195;&#8594;&#8195;No account keeping fees.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Youth Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p><h1><strong>VISA Access</strong></h1>\
	<img src=\"images/visa_access.jpg\" />\
	<p>VISA Access is The Community Mutual Group&#8217;s convenient access card that can be attached to an Access Savings Account. The beauty of VISA Access is that you have the ability to access your own funds using the credit option when making purchases. You can use the VISA Access card to make purchases at the supermarket or service station; to pay bills; over the phone or internet to make a purchase; or to make payments/orders through the mail. Adding to the flexible nature of the card is the ability to attach an approved to the card giving you access to funds on credit.</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Worldwide access to your money is available where the VISA symbol is displayed through a network of approximately one million ATM’s and <br /> &#8195;&#8195;&#8195;24 million merchants in over 150 countries.</p>\
	<p>&#8195;&#8594;&#8195;Funds held in the account are your own.</p>\
	<p>&#8195;&#8594;&#8195;No monthly account keeping fee.</p>\
	<p>&#8195;&#8594;&#8195;An overdraft or line of credit can be attached to the card.</p>\
	<p>&#8195;&#8594;&#8195;No transaction fees when using the \”credit\” facility.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the VISA Access Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>Redicard PLUS</strong></h1>\
	<img src=\"images/redicard.jpg\" />\
	<p>Your Redicard PLUS is one of Australia’s most widely accepted access cards, enabling you to withdraw cash from your Credit Union account Australia-wide and overseas 24 hours a day, 7 days a week. Pay for goods and/or obtain cash from retailers offering EFTPOS facilities with your Redicard PLUS Australia wide.</p>\
	<p>You may access cash from ATMs including most major financial institutions. Transactions carried out at ATMs other than Credit Union rediATMs incur a charge to your Credit Union which is passed on to you as a transaction fee.</p>\
	<p><strong>Tips for Minimising Fees</strong></p>\
	<p>&#8195;&#8594;&#8195;Plan your transactions each week to reduce the frequency of withdrawals.</p>\
	<p>&#8195;&#8594;&#8195;Withdraw cash where possible when making an EFTPOS purchase as opposed to making an additional ATM transaction to obtain extra cash.</p>\
	<p>&#8195;&#8594;&#8195;Use Credit Union rediATMs wherever possible.</p>\
	<p>&#8195;&#8594;&#8195;Request a receipt with ATM transactions to confirm your available balance.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call   132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Redicard PLUS Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>Travel Pack</strong></h1>\
	<img src=\"images/travel.jpg\" />\
	<p><strong>Important Message</strong></p>\
	<p>The UK converted to Chip & PIN in February 2006, but all UK merchants should accept magnetic stripe cards, and VISA have issued many communications to back this up. We have been notified of isolated instances where merchants have not accepted non-chip cards, but these occasions have been merchant error. </p>\
	<p>Where cards DO have a Chip, a merchant can mandate the use of PIN as opposed to a signature. However, they cannot refuse a signature when the card does NOT have a Chip. The Community Mutual Group encourage members to take a supply of cash and a Cash Passport card in British Pounds for the UK, and cash and a Cash Passport card in Euros for France.</p>\
	<p><strong>Cash Passport</strong></p>\
	<p>Cash Passport is a pre-paid, PIN-protected card that enables you to obtain local currency from over 800,000 VISA ATM's around the world. Cash Passport is issued by Travelex.</p>\
	<p><strong>Traveller's Cheques*</strong></p>\
	<p>The Community Mutual Group provides travellers cheques in a range of currencies. Travellers cheques are widely accepted overseas, and are a non-cash payment facility that can easily be replaced if lost or stolen provided you comply with the purchase conditions.</p>\
	<p><strong>Foreign Cash*</strong></p>\
	<p>Travelex offer a choice of 35 foreign currencies to assist you with your travels.</p>\
	<p><strong>Drafts* and Electronic Transfers</strong></p>\
	<p>Overseas drafts and electronic transfers of funds overseas can be made.</p>\
	<p>To visit Travelex, please click <a href=\"http://www.travelex.com.au/\">here</a>.</p>\
	<p>&#8195;</p>\
	<p class=\”p2\”>*24 hours notice required</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Travelex Limited (ABN 36 004 179 953, AFSL 222444) is the issuer of, or may arrange for, the issue of these products to you. For further details, Product Disclosure Statements (PDS) are available for certain products and can be obtained from New England Credit Union Ltd. You should review the relevant PDS before deciding to acquire the product.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Travel Pack.</p>";
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	var mc = "<h1><strong>Internet Maximiser</strong></h1>\
	<p><strong>What is the Internet Maximiser?</strong></p>\
	<p>The Internet Maximiser Account is a high interest, internet based savings account designed specifically for those members who prefer to do their banking on-line in an easy, flexible manner with a competitive rate of interest. You may have all or part of your pay directly credited to your account for added benefit.</p>\
	<p><strong>What sort of access can I have?</strong></p>\
	<p>Designed as a long or short term internet savings account, this account has limited access. You can check your account balance via Web Access (our internet banking system) and through our telephone banking service – Swift Access (1300 363 777).* Transfers can only be made through Web Access or Swift Access.</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Restrictions apply to use of Swift Access on this account. Please ring 132 067 to register before using for the first time. New England Credit Union Ltd is the issuer of Internet Maximiser, Swift Access and Web Access.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>Cash Management Account</strong></h1>\
	<p>The Cash Management Account provides investment rates of interest while still allowing you on-call access to your funds. Funds can be added to the account at any time and you are allowed up to four (4) withdrawals per month.</p>\
	<p>With no account keeping fees and a free Direct Pay service available, the Cash Management Account is perfect for those who want to save seriously and take control of their financial situation.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Competitive Interest Rates.</p></li>\
	<li><p>Free Direct Pay service.</p></li>\
	<li><p>There are unlimited deposits and four free withdrawals per month are available.</p></li>\
	<li><p>Minimum $10,000 required to open an account.</p></li>\
	<li><p>Tiered rates of interest that increase as your balance increases.</p></li>\
	<li><p>No monthly account keeping fees.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />New England Credit Union Ltd is the issuer of Direct Pay and the Cash Management Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Target Saver Account</strong></h1>\
	<p>Saving for a special purpose like a car or a holiday? This account is for you. Interest is calculated on a tiered rate and is dependant upon the monthly balance in your account. You can deposit any amount at anytime. Sit back and watch your funds grow! Interest is calculated daily and paid monthly.</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Target Saver Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Four Seasons Account</strong></h1>\
	<p>This account is more flexible than a term deposit with a higher rate of interest than an access savings account. The interest rate is tiered which means the higher your balance the more you receive in interest. Funds can be withdrawn in January, April, July and October.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>The interest rate is tiered meaning the higher the balance the higher the interest received by the member.</p></li>\
	<li><p>This account is flexible enough to give members access to their account four times per year (hence “Four Seasons”) and still provides a competitive interest rate.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Four Seasons Account. </p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>Premium Savings Account</strong></h1>\
	<p>With this savings account you can save for something special or even invest in your future. Your savings will accumulate even faster with a high rate of interest which is tiered meaning that the higher your balance the more interest you will receive.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>Useful as a means to increase savings, however funds are accessible if needed.</p></li>\
	<li><p>If funds are needed they may be accessed at any time throughout the year.</p></li>\
	<li><p>More flexible than a term deposit.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Premium Savings Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
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	<h1><strong>Christmas Club Account</strong></h1>\
	<p>Each year thousands of The Community Mutual Group members experience an enjoyable and more affordable Christmas thanks to the money saved in their Christmas Club Account.</p>\
	<p>Great features including a competitive interest rate, unlimited deposits, no account keeping fees and restricted access ensure you are not tempted to draw on the account before it is really needed.</p>\
	<p>An added bonus is the ability to have funds automatically credited to the account on a regular basis with our Direct Pay service. Open an account today and save for Christmas the easy way.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Deposits can be made for any amount over the counter, by periodical payment or via direct credit.</p></li>\
	<li><p>Withdrawal of funds is only allowed during the months of November or December to ensure your money is there when it is needed. </p></li>\
	<li><p>Swift Access (Phone Banking) & Web Access (Internet Banking) can provide balances all year round. During November and December funds can be transferred from your Christmas Club Account to other accounts using these services.</p></li>\
	<li><p>Interest is calculated on the minimum monthly balance and paid to the account on the 31st October.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />New England Credit Union Ltd is the issuer of Direct Pay and the Christmas Club Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Deeming Account</strong></h1>\
	<p>The Deeming Account is a full access transaction account which attracts a high rate of interest and is only available to members that receive a pension or are over the age of 55 and no longer working.</p>\
	<p>Your superannuation or pension is able to be direct credited to this account and funds in the account are available at call.</p>\
	<p>This flexible account can be accessed via numerous access channels including full branch access, Web Access (Internet Banking) & Swift Access (Phone Banking), BPAY, Cheque Book, Visa Access Card and Redicard. Periodical payments, direct credits and direct debits are also available.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Competitive tiered interest rate linked to the Commonwealth Government official deeming rate.</p></li>\
	<li><p>Full range of access methods.</p></li>\
	<li><p>Free Direct Pay service.</p></li>\
	<li><p>Only available to members who receive a Pension or are over the age of 55 and are no longer working.</p></li>\
	<li><p>No monthly account keeping fees.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br /> New England Credit Union Ltd is the issuer of Direct Pay, Deeming Account, Web Access, Swift Access, Cheque Book, Visa Access Card and Redicard. BPAY® is registered to BPAY® Pty Limited ABN 69 079 137 518.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>";
	document.getElementById('divC').innerHTML = mc;
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	var d1c = document.getElementById('div4').innerHTML;
	document.getElementById('divM').innerHTML = d1c;
	var mc = "<h1><strong>Term Savings</strong></h1>\
	<p>This is a safe and secure way to invest your savings at a higher rate of interest. You can invest as little as $1,000 with The Community Mutual Group at competitive rates of interest.</p>\
	<p>Invest for the term of your choice from 3 months to 5 years.</p>\
	<p>You can choose how and when interest is paid and what you want to do with the deposit at maturity. You will receive written advice on your investment and term savings details will appear on your regular statements.</p>\
	<p>All The Community Mutual Group deposits, up to a total balance of $1 million per member, are guaranteed by the Australian Government Financial Claims Scheme.</p>\
	<p>Through The Community Mutual Group’s participation in the Australian Government Guarantee Scheme for Large Deposits and Wholesale Funding Members, members can also elect to receive the deposit guarantee on amounts in excess of $1 million. Please contact us on 132 067 for more information.</p>\
	<p><strong>Term Savings Specials</strong> - For a list of current specials on term deposit rates, click <a href=\"termspecial.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>Interest Rates</strong> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>Simply call 132 067 or drop into any branch or agency. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Term Savings.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Financial Advice</strong></h1>\
	<p><strong>About The Community Mutual Group’s Financial Planning and Wealth Management Service</strong></p>\
	<p>The Community Mutual Group acknowledges that Financial Planning and Wealth Management are an integral aspect of securing your financial future. In response to your changing needs, and our desire to be more closely involved in the Financial Planning and Wealth Management process, The Community Mutual Group offers its members an integrated financial planning and wealth management service, provided by ComCorp Financial Advice Pty Ltd (ComCorp).</p>\
	<p><strong>About ComCorp Financial Advice Pty Ltd (ComCorp)</strong></p>\
	<p>ComCorp is a national financial planning group that specialises in developing integrated Wealth Management solutions for credit unions and their members. ComCorp has been the preferred financial planning partner and supplier to a number of Credit Unions for several years.</p>\
	<p><strong>The success of these relationships has been based on:</strong></p>\
	<ul>\
	<li><p>ComCorp’s commitment to remaining independent of the large bank-owned fund managers, in order to ensure that its advisers are free to recommend products solely on the basis of what is in each members’ best interests;</p></li>\
	<li><p>ComCorp’s dedications towards the building of long lasting and mutually beneficial relationships with its credit union partners;</p></li>\
	<li><p>ComCorp’s ability to work with these credit unions to develop flexible processes and services that deliver the desired results for ComCorp, the credit union, and you, the member; and</p></li>\
	<li><p>The consistent positive feedback these credit unions have received from their members about the quality of ComCorp’s services.</p></li>\
	</ul>\
	<p>In consultation with ComCorp, we have structured a comprehensive product and service framework built around the strengths of The Community Mutual Group’s own staff and the specialist skills of ComCorp’s accredited financial planners.</p>\
	<p><strong>Why should I consider using CMG’s Wealth Management services?</strong></p>\
	<p>The Community Mutual Group’s aim is to help all of our members achieve their financial goals throughout all stages of their life.  Whether you are retired or close to retirement, a recent entrant to the workforce or a full-time student, our dedicated Wealth Management team is there to help you define and implement your financial plans. Our financial planners are absolutely committed to providing you with the best professional advice available.  These individuals have been carefully selected based on their professional qualifications and their dedication to the culture and values of The Community Mutual Group.</p>\
	<p>ComCorp has committed to provide The Community Mutual Group’s members with professional and involved management of their financial planning needs, to whatever level you require. In partnership with ComCorp, our aim is to help you, our members, establish achievable financial goals and strategies and to assist you with:</p>\
	<p>Superannuation, Borrowing to Invest, Estate Planning, Wealth Creation, Corporate Superannuation, Managed Funds Advice, Savings Plans, Redundancy, Pre & Post Retirement, Debt Management, Risk Management, Tax-effective Investment, Social Security Benefits.</p>\
	<p><strong>How can you decide whether The Community Mutual Group’s new Wealth Management services can be of benefit to you?</strong></p>\
	<p>Although the particular needs and financial goals of each our member may differ, the key to satisfying those needs and goals is for members to have access to a suitably qualified professional whom they can trust. We therefore invite you to contact us to arrange an initial interview with one of our dedicated team who can discuss your particular needs. There is no cost for this service but it will give you the opportunity to assess whether we can provide the critical role of being your trusted personal adviser.</p>\
	<p><strong>The costs to expect</strong></p>\
	<p>The Community Mutual Group operates to serve our members. Our primary concern is to give our members the best financial products and services at minimum cost. When members are asked what they value most about us the answer is ‘the personal service, understanding and trust’. For that reason when we look for business partners to help us give our members access to more products and services, we are diligent in our search and determined that our partners must be able to promise personal service, understanding and trust. </p>\
	<p>We chose ComCorp as our partner because they are able to commit to these important values.</p>\
	<p>Financial Services Guides are available to help you understand the roles that would be performed by The Community Mutual Group and ComCorp when providing services to you. This information can be obtained at your nearest branch, or by calling 132 067 during business hours. If you use The Community Mutual Group to access Wealth Management services, the first consultation with an adviser will be free of charge. The financial services provided thereafter may result in the payment of fees and commissions to The Community Mutual Group and/or ComCorp.</p>\
	<p>If you decide, after your initial consultation, to have a comprehensive financial plan prepared, there will generally be a fee charged, although that fee can be waived depending on your particular financial circumstances. To ensure you are aware of any costs before you make any decisions, you will be advised at the initial consultation.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>Simply phone 132 067 or visit any branch or agency to arrange a no-obligation appointment with a financial advisor.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br /> New England Credit Union Ltd. Financial Advisers are licensed through ComCorp Financial Advice Pty Ltd (ABN: 89 133 593 012 AFSL: 331367) (ComCorp) offering professional advice tailored to your individual needs. ComCorp holds an unrestricted dealer's licence from the Australian Securites and Investment Commission. NECU does not accept any responsibility for any acts, omissions or advice of ComCorp and its authorized advisers. ComCorp may also pay NECU referral commission of 0% to 80% of any entry and/or ongoing fees in respect of members referred to ComCorp.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Information Booklets</strong></h1>\
	<p>The Community Mutual Group has free booklets available that provide useful information on a range of topics.</p>\
	<p>These include:</p>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/bricks_mortar_2008.pdf\"><img src=\"images/tc_bricks_mortar.gif\" border=\"none\"/></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/bricks_mortar_2008.pdf\">Bricks &amp; Mortar</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/golden_egg_2008.pdf\"><img src=\"images/tc_golden_egg.gif\" border=\"none\" /></a><br /> <strong><a href=\"http://www.abacus.org.au/credit_unions/docs/golden_egg_2008.pdf\">Golden Egg</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/credit_wise_2008.pdf\"><img src=\"images/tc_credit_wise.gif\" border=\"none\" /></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/credit_wise_2008.pdf\">Credit Wise</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/lock_key_2008.pdf\"><img src=\"images/tc_lock_key.gif\" border=\"none\" /></a> <br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/lock_key_2008.pdf\">Lock &amp; Key</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/dollars_cents_2008.pdf\"><img src=\"images/tc_dollars_cents.gif\" border=\"none\" /></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/dollars_cents_2008.pdf\">Dollars and Cents</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/wheels_2008.pdf\"><img src=\"images/tc_wheels.gif\" border=\"none\" /></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/wheels_2008.pdf\">Wheels</a></strong></div>";
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	var d1c = "<h1><strong>Redi-Draw Home Loan (Variable interest rate)</strong></h1>\
	<p>The Redi-Draw Home Loan is a variable rate home loan with many added features including the ability to make extra repayments to reduce interest. This Home Loan also has a free redraw feature so you can access your extra repayments in case of an emergency, unplanned expenses or planned expenses such as rates and insurance.</p>\
	<p>The Redi-Draw Home Loan can usually be approved within 48 hours meaning you are able to negotiate the house purchase without any added pressure. Talk to us today about how we can meet your home loan needs!</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Loans up to 95% of purchase price are available where Lender’s Mortgage Insurance has been accepted**.</p></li>\
	<li><p>Loan applications can be made over the internet, at any branch or via the Telephone Service Centre.</p></li>\
	<li><p>Access to advance payments, via redraw, is available over the internet, at any branch or via our Telephone Service Centre.</p></li>\
	<li><p>Variable interest rate applies.</p></li>\
	<li><p>This loan is available for owner occupied homes or residential investment properties.</p></li>\
	<li><p>Terms up to 25 years</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><strong>QBE Mortgage Insurance**</strong><br />Lenders Mortgage Insurance allows you to borrow up to 95% of the purchase price of your home, rather that the standard 80%, by insuring us in the event that you may default on your loan.</p>\
	<p><a href=\"insurance_consumercredit\"><strong>Consumer Credit Insurance~</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"insurance_home\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance </p>\
	<p><a href=\"#\" onclick=\"go()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />The prior information does not take into account your financial situation and personal needs. *Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply.<br /><br />\
	**Lenders Mortgage Insurance (LMI) are issued by QBE Mortgage Insurance. LMI approval is subject to the total risk assessment of the individual application. New England Credit Union Ltd. do not have any influence over the decision of QBE to approve your application. QBE’s approach to risk assessment is not based on location alone, but is also reflective of the quality of the borrower and the individual property. Factors that are assessed in the application process include, but are not limited to, the Salability of the Security Property, the level of real estate activity, local economic and market conditions, the condition of the property and other factors such as land size and zoning.<br /><br />\
	~ ”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.<br /><br />\
	#General Insurance is provided by Allianz Australia Insurance Limited [Allianz] AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, New England Credit Union Ltd. acts as an agent for Allianz and not as your agent. Product Disclosure Statements (PDS) are available for these products. You should consider the PDS for these products before acquiring them. You can obtain a copy of the PDS by contacting us on 132 067.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Steady Rate Home Loan (Fixed interest rate)</strong></h1>\
	<p>Have all or portion of your Home Loan with a fixed interest rate period from 1 to 5 years with the Steady Rate Home Loan. At the completion of the fixed rate period, you may elect to continue with a fixed rate for a further period. Alternatively, your loan can be converted to the standard variable interest rate at that time*.</p>\
	<p>Any part of your loan can be set up at one or more of the fixed rates. For example, you could have part of the loan as Redi-Draw (variable interest rate), some as Steady Rate 2 (fixed for 2 years) and another portion as Steady Rate 3 (fixed for 3 years).~</p>\
	<p>Weekly, fortnightly or monthly repayments are available for these loans.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>You cannot make any pre-payments while your loan is under a fixed rate period. Consequently there is no redraw available on any fixed rate portion of your loan.</p></li>\
	<li><p>Home Loan terms up to 25 years. Fixed rate terms for 1,2, 3 and 5 years.</p></li>\
	<li><p>Maximum loan may be up to 95% of valuation where lender’s mortgage insurance has been accepted.</p></li>\
	<li><p>Have your pay directly credited to your loan through our free Direct Pay service***.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><strong>QBE Mortgage Insurance**</strong><br />Lenders Mortgage Insurance allows you to borrow up to 95% of the purchase price of your home, rather that the standard 80%, by insuring us in the event that you may default on your loan.</p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance~</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"insurance_home.html\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance.</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button. <a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />The prior information does not take into account your financial situation and personal needs.</p>\
	<p class=\"p2\">~Penalties may apply if the loan is paid out within the fixed period. Details of these and other terms and conditions are available on request.</p>\
	<p class=\"p2\">*Refer to the Credit Fees and Charges brochure for details.</p>\
	<p class=\"p2\">**Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply.</p>\
	<p class=\"p2\">***New England Credit Union Ltd is the issuer of Direct Pay.</p>\
	<p class=\"p2\">~~ Lenders Mortgage Insurance (LMI) are issued by QBE Mortgage Insurance. LMI approval is subject to the total risk assessment of the individual application. New England Credit Union Ltd. do not have any influence over the decision of QBE to approve your application. QBE’s approach to risk assessment is not based on location alone, but is also reflective of the quality of the borrower and the individual property. Factors that are assessed in the application process include, but are not limited to, the Salability of the Security Property, the level of real estate activity, local economic and market conditions, the condition of the property and other factors such as land size and zoning.</p>\
	<p class=\"p2\">~~~”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.</p>\
	<p class=\"p2\">#General Insurance is provided by Allianz Australia Insurance Limited [Allianz] AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, New England Credit Union Ltd. acts as an agent for Allianz and not as your agent. Product Disclosure Statements (PDS) are available for these products. You should consider the PDS for these products before acquiring them. You can obtain a copy of the PDS by contacting us on 132 067.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>First Home Buyer Pack (Variable interest rate)</strong></h1>\
	<p>The First Home Buyer Pack is specially designed to help you buy the home of your dreams.</p>\
	<p>It offers a 1.00% p.a. discount off the standard variable home loan rate for the first year of your loan and a Your Choice Visa Credit Card with no annual fee and a 3.00%p.a. interest rate discount.</p>\
	<p>With no monthly account keeping, service or transaction fees on your loan or your linked transaction account, The Community Mutual Group can make your transition into home ownership quick, easy and affordable.</p>\
	<p>The Redi-Draw Home Loan can usually be approved within 48 hours meaning you are able to negotiate the house purchase without any added pressure. Talk to us today about how we can meet your home loan needs!</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>A variable interest rate applies, with a discount of 1.00%p.a. available during the first year of your loan.</p></li>\
	<li><p>A Your Choice Visa Credit Card with no annual fee for the life of your loan (a saving of $30 per annum) AND a 3.00%p.a. interest rate discount on the card.</p></li>\
	<li><p>Loan applications can be made over the internet, at any branch or via the Telephone Service Centre.</p></li>\
	<li><p>Access to advance payments, via redraw, is available over the internet, at any branch or via our Telephone Service Centre.</p></li>\
	<li><p>This loan is available for owner occupied homes and First Home Buyers only.</p></li>\
	<li><p>Terms up to 30 years.</p></li>\
	<li><p>Loans up to 95% of purchase price are available where Lenders Mortgage Insurance has been accepted**.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><strong>QBE Mortgage Insurance**</strong><br />Lenders Mortgage Insurance allows you to borrow up to 95% of the purchase price of your home, rather that the standard 80%, by insuring us in the event that you may default on your loan.</p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance~</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"insurance_home.html\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong>The prior information does not take into account your financial situation and personal needs.</p>\
	<p class=\"p2\">*Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply.</p>\
	<p class=\"p2\">**Lenders Mortgage Insurance (LMI) is issued by QBE Lenders’ Mortgage Insurance Limited. LMI approval is subject to the total risk assessment of the individual application. New England Credit Union Ltd. do not have any influence over the decision of QBE to approve your application. QBE’s approach to risk assessment is not based on location alone, but is also reflective of the quality of the borrower and the individual property. Factors that are assessed in the application process include, but are not limited to, the Salability of the Security Property, the level of real estate activity, local economic and market conditions, the condition of the property and other factors such as land size and zoning.</p>\
	<p class=\"p2\">~ ”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.</p>\
	<p class=\"p2\">#General Insurance is provided by Allianz Australia Insurance Limited [Allianz] AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, New England Credit Union Ltd. acts as an agent for Allianz and not as your agent. Product Disclosure Statements (PDS) are available for these products. You should consider the PDS for these products before acquiring them. You can obtain a copy of the PDS by contacting us on 132 067.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Home Equity Loan</strong></h1>\
	<p>Our Home Equity Loan enables you to take greater control of your debts whilst giving you the flexibility to use the equity you already have in your home to your advantage.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>You can use the equity you already have in your home to secure a loan for a new car, holiday or perhaps to consolidate all of your debts into one easy repayment</p></li>\
	<li><p>Use your existing home equity to purchase an investment property or to make improvements to your current home</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><a href=\"insurance_home.html\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />**Normal lending criteria apply.Fees and charges apply. Terms and conditions available on request.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Sustainable Home Loans</strong></h1>\
	<p>In recognising the need to encourage more local residents to build energy efficient homes, The Community Mutual Group is offering a special discount of 0.25%p.a. on our standard variable home loan interest rate to members who build energy efficient homes!</p>\
	<p>To qualify for this offer, in addition to satisfying normal lending guidelines, borrowers need to meet criteria that apply to the nationwide House Energy Rating Scheme.</p>\
	<p>If you want an incentive to build an environmentally friendly home, now is the time to speak with The Community Mutual Group.</p>\
	<p>The Sustainable Home Loan is available to members who are purchasing or building homes with a 6+star rating according to the Nationwide House Energy Rating Scheme.</p>\
	<p>To qualify for a Sustainable Home Loan simply provide The Community Mutual Group with a report produced by an accredited energy assessment tool such as BERS Pro or FirstRate5, which are based on software developed by CSIRO called AccuRate. This report will outline the heating and cooling efficiency required to keep your house comfortable and a 0 to 10 star rating of the heating and cooling energy performance.</p>\
	<p>Simply call 132 067 or visit your local branch of The Community Mutual Group to find out more about this special offer. When making your enquiries, please mention that your home meets the eligibility criteria for a Sustainable Home Loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />To qualify for the Sustainable Home Loan, the home financed must have an energy rating of 6 stars or more under the Nationwide House Energy Rating scheme. Variable interest rates apply to the Sustainable Home Loan with a 0.25%p.a. discount. Maximum Loan Term is 30 years.</p>\
	<p class=\"p2\">Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs.</p>\
	<p class=\"p2\">Contact The Community Mutual Group on 132 067 for further details.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Investment Loan</strong></h1>\
	<p>Our loan range incorporates a loan that has been designed to help you, the investor, meet your needs. If you are considering investing in property or perhaps a share portfolio, ask our staff about an investment loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 1300 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd Lending criteria apply.</p>";
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{
	var d1c = "<h1><strong>Personal Loan</strong></h1>\
	<p>The Community Mutual Group offers a range of personal loans designed to suit your needs. Whether you need a holiday, new furniture, electrical goods or you simply need to consolidate some existing debts, The Community Mutual Group has a flexible personal loan solution for you.</p>\
	<p>A key benefit of The Community Mutual Group personal loan is that your application is approved locally, by a local person who understands your needs. This local approval process means that, in most cases, you will have an answer on your Personal Loan application within 24 hours, ensuring you can make your purchase sooner rather than later.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Available for any worthwhile purpose.</p></li>\
	<li><p>Choice of repayment frequency and terms (weekly, fortnightly or monthly).</p></li>\
	<li><p>No monthly account keeping fees.</p></li>\
	<li><p>Fast, local approval.</p></li>\
	<li><p>Free Direct Pay service**.</p></li>\
	<li><p>No penalty for early payout.</p></li>\
	<li><p>Redraw facility.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance***</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"#\" onclick=\"go9()\"><strong>Access Savings Account**</strong></a><br />This award winning account is opened with every new membership and is used for your everyday transactions.</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><a href=\"#\" onclick=\"go34()\"><strong>Convenience Plus*</strong></a><br />The Convenience Plus Account is a continuing credit facility offering flexibility, a great interest rate and most of all ‘convenience’.</p>\
	<p><a href=\"#\" onclick=\"go20()\"><strong>Christmas Club**</strong></a><br />Set aside a little in a Christmas Club Account and reap the rewards at that stressful time of the year, Christmas!</p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs. **New England Credit Union Ltd is the issuer of the Direct Pay service, Access Savings Account, Convenience PLUS and Christmas Club. ***”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Car Loan</strong></h1>\
	<p>The Community Mutual Group's Car Loans are flexible and structured to suit your needs. Boasting competitive interest rates and unique features such as no early pay-out fees and the ability to redraw, our Car Loans will help put you in the driver’s seat sooner. The best part of all is that your application will be assessed locally by a friendly in-house lender who understands your needs. In most cases you will receive a response on your application within 24 hours. Whether you need a four wheel drive for the family or a sports car for yourself, talk to The Community Mutual Group today to discuss how we can best meet your financial needs!</p>\
	<p><strong>Eco-friendly Vehicles</strong></p>\
	<p>The Community Mutual Group is constantly looking for ways to care for our environment. By choosing a greener vehicle, you can make a real difference.</p>\
	<p>The <a href=\"http://www.greenvehicleguide.gov.au/GVGPublicUI/home.aspx\">Green Vehicle Guide</a> helps you by rating new Australian vehicles based on greenhouse and air pollution emissions. The rating is calculated using data provided by manufacturers and from testing the vehicle against Australian standards.</p>\
	<p><strong>Product Details</strong></p>\
	<ul><li><p>Loan generally approved within 24 hours.</p></li>\
	<li><p>Redraw facility available.</p></li>\
	<li><p>Applications can be made over the telephone, via the Internet, in any branch or through our Telephone Service Centre.</p></li>\
	<li><p>Loan terms can be up to 84 months.</p></li>\
	<li><p>Free Direct Pay service*.</p></li>\
	<li><p>No monthly account keeping or service fees.</p></li>\
	<li><p>No early pay out fees apply to the loan.</p></li>\
	</ul><p><strong>Direct Pay</strong><br />Have your pay deposited to your Credit Union account and automatically distributed to loan repayments, savings or special purpose accounts.</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><a href=\"#\" onclick=\"go9()\"><strong>Access Savings Account**</strong></a><br />This award winning account is opened with every new membership and is used for your everyday transactions.</p>\
	<p><a href=\"insurance_motor.html\"><strong>Allianz Car Insurance</strong></a><br />For information on car insurance, click the go button.<a href=\"insurance_motor.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For information on interest rates, click the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply click here for our online loan application. Alternatively, call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />**Normal lending criteria apply. Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. *New England Credit Union Ltd. is the issuer of Direct Pay.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p><p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Enviro Loan*</strong></h1>\
	<p>The Community Mutual Group’s Enviro Loan is designed to help you purchase energy efficient material for your home in a more affordable and convenient way. Our Enviro Loan allows for the use of Government rebates which can either be credited to your loan or used for other ‘green’ purposes.</p>\
	<p>If you are eligible to receive a Government rebate that is associated with your purchase, and you allocate this rebate to us, you can take advantage of our 3 month no repayment offer. This gives you the freedom of no repayments for 3 months, while waiting for your Government rebate to be credited to your loan.</p>\
	<p><strong>Enviro Loan Details</strong></p>\
	<p>Eligible purchases include solar hot water systems, solar electricity panels, peak pumps, green power and rainwater tanks.</p>\
	<ul>\
	<li><p>Choice of repayment frequency (weekly, fortnightly or monthly)</p></li>\
	<li><p>Fast, local approval.</p></li>\
	<li><p>Free Direct Pay service**.</p></li>\
	<li><p>No penalty for early payout.</p></li>\
	</ul>\
	<p><strong>Benefits</strong></p>\
	<ul>\
	<li><p>No establishment fee.</p></li>\
	<li><p>No monthly fees.</p></li>\
	<li><p>The Enviro Loan offers you a rate of interest that is lower than the standard personal loan rate.</p></li>\
	<li><p>Free Swift Access (24 hour phone banking).</p></li>\
	<li><p>Free Web Access which provides balance enquiries or transfers to your loan.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance***</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"#\" onclick=\"go9()\"><strong>Access Savings Account**</strong></a><br />This award winning account is opened with every new membership and is used for your everyday transactions.</p>\
	<p><a href=\"#\" onclick=\"go34()\"><strong>Convenience Plus*</strong></a><br />The Convenience Plus Account is a continuing credit facility offering flexibility, a great interest rate and most of all ‘convenience’.</p>\
	<p><a href=\"#\" onclick=\"go20()\"><strong>Christmas Club**</strong></a><br />Set aside a little in a Christmas Club Account and reap the rewards at that stressful time of the year, Christmas!</p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It's easy, simply call 132 067, log onto <strong>www.communitymutual.com.au</strong> or visit any branch to discuss how The Community Mutual Group can meet your financial needs.</p>\
	<p><strong>Sustainable Home Loan*</strong></p>\
	<p>In recognising the need to encourage more local residents to build energy efficient homes, The Community Mutual Group is offering a special discount of 0.25%p.a. off our standard variable home loan interest rate to members who build energy efficient homes! The Sustainable Home Loan is available to members who are purchasing or building homes with a 6+ star rating according to the Nationwide House Energy Rating Scheme. To qualify for a Sustainable Home Loan simply provide Us with a report produced by an accredited energy assessment tool such as BERS Pro or FirstRate5, which are based on software developed by CSIRO called AccuRate.</p>\
	<p><strong>Consumer Credit Insurance***</strong></p>\
	<p>Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Community Mutual Group, Hunter Mutual, New England Mutual and Orana Mutual are trading names of New England Credit Union Ltd. ABN 21 087 650 360 AFSL 241167. * Terms and conditions apply. Fees and Charges may apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs. **New England Credit Union Ltd is the issuer of the Access Savings Account and Direct Pay service. *** Allianz Australia Insurance Limited AFS Licence No. 234708, ABN 15 000 122 850, is the insurer of the disability cover (see Part 2) and involuntary unemployment cover (see Part 3) and is only responsible for these covers. Allianz Australia Life Insurance Limited is the insurer of the trauma and death cover (see Part 1) and is only responsible for this cover. Allianz acts as Allianz Life’s agent in offering and administering the trauma and death cover. New England Credit Union, AFSL 21 087 650 360, ABN 241167 acts as an agent of Allianz and not as your agent. Before making a decision about this insurance please refer to the relevant Product Disclosure Statement available at any branch.</p>";
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	var d1c = "<h1><strong>Convenience PLUS</strong></h1>\
	<img src=\"images/access_savings.jpg\" border=\"none\" />\
	<p>Designed to meet your ever-changing needs in the most flexible way possible, ConveniencePlus is our continuing credit facility that offers you the features of a loan with the additional flexibility of a VISA card. Simply choose a credit limit to suit you from &#36;3,000 - &#36;30,000 for anything you want, with regular set repayments.</p>\
	<p>Web Access &#40;our internet banking facility - www.necu.com.au&#41; and Swift Access &#40;our telephone banking system - 1300 363 777&#41; also provide greater flexibility when using this product.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Available to approved members.</p></li>\
	<li><p>No minimum draw down amount and no account keeping fees.</p></li>\
	<li><p>Convenient, flexible access to funds through a Visa Access Card and also Web Access &#40;Internet Banking&#41; and Swift Access (Phone Banking) BPAY or over the counter at any branch.</p></li>\
	<li><p>The loan approval fee is waived when you have your entire payroll sent to The Community Mutual Group.</p></li>\
	<li><p>Monthly repayments of 2.50&#37;p.a or &#36;20 &#40;which ever is greater&#41; for control over your finances.</p></li>\
	</ul>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It\’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one &#36;10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd. is the issuer of Web Access, Swift Access and Convenience PLUS. BPAY® is registered to BPAY® Pty Limited ABN 69 079 137 518.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Your Choice Visa Credit Card</strong></h1>\
	<p>“Your Choice” is a credit card issued and developed by The Community Mutual Group to cater specifically to your needs. We have focused on providing you with a “55 days interest free” credit card with a low annual fee, a low interest rate and a special bonus for members who have a mortgage with The Community Mutual Group. Add to this the unrivalled access to over 24 million merchants and almost one million ATM’s in over 150 countries that is provided through our affiliation with Visa International, and “Your Choice” becomes the only choice when selecting a credit card!</p>\
	<p><strong>Up to 55 days interest free...</strong></p>\
	<p>Most of us have heard the phrase “55 days interest free”, but what does it really mean, and how does it benefit you?</p>\
	<p>Here’s how it works... You will receive a statement for the “Your Choice” Visa credit card each month. Each statement will show a payment due date, which will be at least 24 days from the end of the month in which your transactions were made. Any purchases on this statement will not be charged interest until after this due date . This means that you get to use The Community Mutual Group’s money for at least 24 days before you are charged any interest, and if you make your purchase early in the month, up to 55 days interest free.</p>\
	<p><strong>Acceptance of Visa around the corner or around the world...</strong></p>\
	<p>Our affiliation with Visa International gives you the assurance that the “Your Choice” credit card will be widely accepted both in Australia and overseas.</p>\
	<p><strong>“Your Choice” is the right choice for low annual fees and interest rates</strong></p>\
	<p><a href=\"documents/VisaTermsConditions.pdf\"><strong>Terms & Conditons </strong></a><br />To view Terms & Conditions for this product, click on the go button.</p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To apply for a Your Choice visa credit card, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p>Those members who apply for a “Your Choice” Visa credit card that already have or take out a mortgage with The Community Mutual Group will receive a further interest rate reduction of 3.00%p.a. off the already low credit card interest rate. This reduces the interest rate you pay on the “Your Choice” card and is a reward for using us for both your home loan and credit card needs.</p>\
	<p><strong>Transfer your existing credit card balance and start saving immediately!</strong></p>\
	<p>Do you have a credit card at another financial institution? If so, what interest rate are you paying? By transferring the current balance of any other existing credit card you can start paying the low “Your Choice” Visa Credit Card interest rate on the outstanding balance immediately. Why pay up to 18% interest (or more) when you can transfer your current credit card balance to a “Your Choice” Visa. And the great news is that the sooner you make the change to “Your Choice”, the sooner you will start saving!</p>\
	<p><strong>Important Note:</strong></p>\
	<p>Credit cards are part of everyday life for most Australians, however most of us have heard stories about how incorrect use of a credit card can cause financial difficulty for the user. It is important to remember that the “Your Choice” Visa credit card is not an alternative to a loan. It is designed to provide you with short term finance and a convenient way to make purchases locally, internationally, over the telephone and on the internet. While the minimum monthly repayment on the “Your Choice” Visa is 2.5% or $20, whichever is greater, you can minimise the interest charged by paying more than this amount.</p>\
	<p><strong>How do I Apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong>Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria applies. For lost and stolen VISA cards, please contact the VISA Australia wide hotline on 1800 224 004.</p>\
	<p><a href=\"https://cardholderregistration.onlineauthentication.com.au/802292v\"><img src=\"images/verifiedbyvisa.gif\" border=\"none\" /></a> <strong>Please contact us on 132 067 if you require your visa card to be registered for Verified by Visa.</strong></p>";
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{
	var d1c = "<h1><strong>Personal Overdraft</strong></h1>\
	<p>The Community Mutual Group provides overdrafts for both the consumer and business segments of the marketplace. You can attach nearly all of the Access Pack products such as VISA, Cheque Book and BPAY to the overdraft so that it’s available 24hrs a day, 7 days a week.</p>\
	<p>Whilst there is an establishment fee, there are no facility fees on the overdraft meaning that if you don’t use it you don’t pay anything!</p>\
	<p><strong>Interest Rates</strong><br />\
	For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />\
	To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 1300 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />\
	Normal lending criteria apply. Fees and charges apply. Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Visa Card, Cheque and BPAY.</p>";
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	var d1c = "<h1><strong>Community Partnership Account</strong></h1>\
	<img src=\"images/community_part.jpg\" />\
	<p>The Community Mutual Group offers a Community Partnership Account (CPA) which assists community-based organisations with their fundraising activities. The CPA is a full access savings account that offers a competitive interest rate and a guarantee that we will reward the account holder&rsquo;s nominated community group with an annual bonus payment. The Account holder WINS with a competitive transaction account, the community group WINS with financial support and we WIN as we are able to direct more funds back into the communities in which we operate!</p>\
	<p><strong>How does it work?</strong></p>\
	<p>Interested Community Groups need to register with The Community Mutual Group to become a Recipient Organisation.  We will then place the organisation&rsquo;s name on our list of recipient organisations and individual members can elect to support their favourite groups by opening a Community Partnership Account.</p>\
	<p>On 30 June each year we calculate the average annual balance of accounts held by supporters of each recipient organisation. This amount is then used by us to make a 1% bonus payment to the chosen Community Organisation.</p>\
	<p><strong>What can community groups do?</strong></p>\
	<p>Community Groups can encourage Community Partnership Accounts to be opened by letting supporters know about it through their own newsletters, meetings and functions.  Community Groups can also distribute these brochures to  their supporters.  When a whole community gets behind their favourite charity, sporting club or community organisation, small amounts saved by individuals can become significant to their fundraising goals.</p>\
	<p><strong>How can you support your favourite community group?</strong></p>\
	<p>You can support your chosen community organisation without it costing you anything. As long as you have money in your account, your chosen organisation will receive an annual bonus from us.  Thanks to supporters choosing their favourite community organisation, the recipient can continue to enjoy this bonus payment each year.</p>\
	<p>The more supporters an organisation obtains the more they will receive in their annual bonus payment&mdash;encourage your relatives and friends to become supporters today.</p>\
	<p><strong>How can I access funds in the CPA?</strong></p>\
	<p>The Community Partnership Account is an everyday transaction account with a variety of access methods to suit you! Access your funds at call through a cheque book, EFTPOS, ATM, Web Access (Internet Banking), Swift Access (telephone banking), VISA Debit card and BPAY&reg;.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong> New England Credit Union Ltd is the issuer of the Community Partnership Account.</p>";
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function go9(divC,div7)
{
	var d1c = "<h1><strong>Access Savings Account</strong></h1>\
	<img src=\"images/access_savings.jpg\" />\
	<p>The Access Savings Account (S1) is an award winning full access transaction account which is automatically opened with every new membership.</p>\
	<p>The Access   Savings Account offers flexibility with a range of access methods including full   branch access through a network of branches across the New England andNorth West regions of NSW. Full remote access is available through Swift Access (phone) and Web Access (Internet) banking facilities, EFTPOS, Cheque Book, Visa Access Card or Redicard, Direct Credits and Direct Debits. The Access Savings Account offers you freedom, flexibility and convenience.</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Your salary can be direct credited to this account.</p>\
	<p>&#8195;&#8594;&#8195;Generous fee structure. See the fees and charges brochure for details of excess transaction fees.</p>\
	<p>&#8195;&#8594;&#8195;No monthly account keeping fee.</p>\
	<p>&#8195;&#8594;&#8195;The ability to choose how you access your funds - over the counter or electronically.</p>\
	<p>&#8195;&#8594;&#8195;Interest is calculated on the minimum monthly balance and is paid to the account every 6 months.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Access Savings Account.</p>";
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function go10(divC,div7)
{
	var d1c = "<h1><strong>Youth Account</strong></h1>\
	<img src=\"images/youth.jpg\" />\
	<p>The Youth Account is a full access transaction account designed for members under the age of 18. </p>\
	<p>The account provides full branch access for deposits, withdrawals or counter cheques. Account balances can be obtained through Swift Access (telephone banking) and Web Access (Internet Banking). Remote access via Redicard is available on this account where the child is over 12 years of age. A competitive interest rate is applied to the account. See the interest rate brochure for the current rates.</p>\
	<p>To open an account talk to us today!</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Direct credits of any amount can be made to this account.</p>\
	<p>&#8195;&#8594;&#8195;Competitive interest rate.</p>\
	<p>&#8195;&#8594;&#8195;Upon the member reaching the age of 18, we require the account to be transferred to another transaction account (usually S1).</p>\
	<p>&#8195;&#8594;&#8195;No account keeping fees.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call   132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Youth Account.</p>";
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function go11(divC,div7)
{
	var d1c = "<h1><strong>VISA Access</strong></h1>\
	<img src=\"images/visa_access.jpg\" />\
	<p>VISA Access is The Community Mutual Group&#8217;s convenient access card that can be attached to an Access Savings Account. The beauty of VISA Access is that you have the ability to access your own funds using the credit option when making purchases. You can use the VISA Access card to make purchases at the supermarket or service station; to pay bills; over the phone or internet to make a purchase; or to make payments/orders through the mail. Adding to the flexible nature of the card is the ability to attach an approved to the card giving you access to funds on credit.</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Worldwide access to your money is available where the VISA symbol is displayed through a network of approximately one million ATM’s and <br /> &#8195;&#8195;&#8195;24 million merchants in over 150 countries.</p>\
	<p>&#8195;&#8594;&#8195;Funds held in the account are your own.</p>\
	<p>&#8195;&#8594;&#8195;No monthly account keeping fee.</p>\
	<p>&#8195;&#8594;&#8195;An overdraft or line of credit can be attached to the card.</p>\
	<p>&#8195;&#8594;&#8195;No transaction fees when using the \”credit\” facility.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call   132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the VISA Access Account.</p>";
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function go12(divC,div7)
{
	var d1c = "<h1><strong>Redicard PLUS</strong></h1>\
	<img src=\"images/redicard.jpg\" />\
	<p>Your Redicard PLUS is one of Australia’s most widely accepted access cards, enabling you to withdraw cash from your Credit Union account Australia-wide and overseas 24 hours a day, 7 days a week. Pay for goods and/or obtain cash from retailers offering EFTPOS facilities with your Redicard PLUS Australia wide.</p>\
	<p>You may access cash from ATMs including most major financial institutions. Transactions carried out at ATMs other than Credit Union rediATMs incur a charge to your Credit Union which is passed on to you as a transaction fee.</p>\
	<p><strong>Tips for Minimising Fees</strong></p>\
	<p>&#8195;&#8594;&#8195;Plan your transactions each week to reduce the frequency of withdrawals.</p>\
	<p>&#8195;&#8594;&#8195;Withdraw cash where possible when making an EFTPOS purchase as opposed to making an additional ATM transaction to obtain extra cash.</p>\
	<p>&#8195;&#8594;&#8195;Use Credit Union rediATMs wherever possible.</p>\
	<p>&#8195;&#8594;&#8195;Request a receipt with ATM transactions to confirm your available balance.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It&rsquo;s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call   132067 for more information.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Redicard PLUS Account.</p>";
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function go13(divC,div7)
{
	var d1c = "<h1><strong>Travel Pack</strong></h1>\
	<img src=\"images/travel.jpg\" />\
	<p><strong>Important Message</strong></p>\
	<p>The UK converted to Chip & PIN in February 2006, but all UK merchants should accept magnetic stripe cards, and VISA have issued many communications to back this up. We have been notified of isolated instances where merchants have not accepted non-chip cards, but these occasions have been merchant error. </p>\
	<p>Where cards DO have a Chip, a merchant can mandate the use of PIN as opposed to a signature. However, they cannot refuse a signature when the card does NOT have a Chip. The Community Mutual Group encourage members to take a supply of cash and a Cash Passport card in British Pounds for the UK, and cash and a Cash Passport card in Euros for France.</p>\
	<p><strong>Cash Passport</strong></p>\
	<p>Cash Passport is a pre-paid, PIN-protected card that enables you to obtain local currency from over 800,000 VISA ATM's around the world. Cash Passport is issued by Travelex.</p>\
	<p><strong>Traveller's Cheques*</strong></p>\
	<p>The Community Mutual Group provides travellers cheques in a range of currencies. Travellers cheques are widely accepted overseas, and are a non-cash payment facility that can easily be replaced if lost or stolen provided you comply with the purchase conditions.</p>\
	<p><strong>Foreign Cash*</strong></p>\
	<p>Travelex offer a choice of 35 foreign currencies to assist you with your travels.</p>\
	<p><strong>Drafts* and Electronic Transfers</strong></p>\
	<p>Overseas drafts and electronic transfers of funds overseas can be made.</p>\
	<p>To visit Travelex, please click <a href=\"http://www.travelex.com.au/\">here</a>.</p>\
	<p>&#8195;</p><p class=\”p2\”>*24 hours notice required</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Travelex Limited (ABN 36 004 179 953, AFSL 222444) is the issuer of, or may arrange for, the issue of these products to you. For further details, Product Disclosure Statements (PDS) are available for certain products and can be obtained from New England Credit Union Ltd. You should review the relevant PDS before deciding to acquire the product.</p>\
	<p class=\"p2\"><strong>Discalimer</strong> New England Credit Union Ltd is the issuer of the Travel Pack.</p>";
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function go14(divC,div7)
{
	var d1c = "<h1><strong>Internet Maximiser</strong></h1>\
	<p><strong>What is the Internet Maximiser?</strong></p>\
	<p>The Internet Maximiser Account is a high interest, internet based savings account designed specifically for those members who prefer to do their banking on-line in an easy, flexible manner with a competitive rate of interest. You may have all or part of your pay directly credited to your account for added benefit.</p>\
	<p><strong>What sort of access can I have?</strong></p>\
	<p>Designed as a long or short term internet savings account, this account has limited access. You can check your account balance via Web Access (our internet banking system) and through our telephone banking service – Swift Access (1300 363 777).* Transfers can only be made through Web Access or Swift Access.</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Restrictions apply to use of Swift Access on this account. Please ring 132 067 to register before using for the first time. New England Credit Union Ltd is the issuer of Internet Maximiser, Swift Access and Web Access.</p>";
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function go15(divC,div7)
{
	var d1c = "<h1><strong>High Rise Account</strong></h1>\
	<img src=\"images/high_rise2.gif\" />\
	<p>You can earn higher interest on your money while still having it on-call in our High Rise Account. Interest is calculated on a tiered rate depending on daily balances. You can direct credit the whole (or part) of your pay to this account. We can also arrange Periodical Payments and Direct Debits for this account and you can check your balance using Swift Access (our telephone banking system) and Web Access (our internet banking system).</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the High Rise Account, Periodical Payments, Direct Debit, Swift Access and Web Access.</p>";
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function go16(divC,div7)
{
	var d1c = "<h1><strong>Cash Management Account</strong></h1>\
	<p>The Cash Management Account provides investment rates of interest while still allowing you on-call access to your funds. Funds can be added to the account at any time and you are allowed up to four (4) withdrawals per month.</p>\
	<p>With no account keeping fees and a free Direct Pay service available, the Cash Management Account is perfect for those who want to save seriously and take control of their financial situation.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Competitive Interest Rates.</p></li>\
	<li><p>Free Direct Pay service.</p></li>\
	<li><p>There are unlimited deposits and four free withdrawals per month are available.</p></li>\
	<li><p>Minimum $10,000 required to open an account.</p></li>\
	<li><p>Tiered rates of interest that increase as your balance increases.</p></li>\
	<li><p>No monthly account keeping fees.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />New England Credit Union Ltd is the issuer of Direct Pay and the Cash Management Account.</p>";
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function go17(divC,div7)
{
	var d1c = "<h1><strong>Target Saver Account</strong></h1>\
	<p>Saving for a special purpose like a car or a holiday? This account is for you. Interest is calculated on a tiered rate and is dependant upon the monthly balance in your account. You can deposit any amount at anytime. Sit back and watch your funds grow! Interest is calculated daily and paid monthly.</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Target Saver Account.</p>";
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function go18(divC,div7)
{
	var d1c = "<h1><strong>Four Seasons Account</strong></h1>\
	<p>This account is more flexible than a term deposit with a higher rate of interest than an access savings account. The interest rate is tiered which means the higher your balance the more you receive in interest. Funds can be withdrawn in January, April, July and October.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>The interest rate is tiered meaning the higher the balance the higher the interest received by the member.</p></li>\
	<li><p>This account is flexible enough to give members access to their account four times per year (hence “Four Seasons”) and still provides a competitive interest rate.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Four Seasons Account. </p>";
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function go19(divC,div7)
{
	var d1c = "<h1><strong>Premium Savings Account</strong></h1>\
	<p>With this savings account you can save for something special or even invest in your future. Your savings will accumulate even faster with a high rate of interest which is tiered meaning that the higher your balance the more interest you will receive.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>Useful as a means to increase savings, however funds are accessible if needed.</p></li>\
	<li><p>If funds are needed they may be accessed at any time throughout the year.</p></li>\
	<li><p>More flexible than a term deposit.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Premium Savings Account.</p>";
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function go20(divC,div7)
{
	var d1c = "<h1><strong>Christmas Club Account</strong></h1>\
	<p>Each year thousands of The Community Mutual Group members experience an enjoyable and more affordable Christmas thanks to the money saved in their Christmas Club Account.</p>\
	<p>Great features including a competitive interest rate, unlimited deposits, no account keeping fees and restricted access ensure you are not tempted to draw on the account before it is really needed.</p>\
	<p>An added bonus is the ability to have funds automatically credited to the account on a regular basis with our Direct Pay service. Open an account today and save for Christmas the easy way.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Deposits can be made for any amount over the counter, by periodical payment or via direct credit.</p></li>\
	<li><p>Withdrawal of funds is only allowed during the months of November or December to ensure your money is there when it is needed. </p></li>\
	<li><p>Swift Access (Phone Banking) & Web Access (Internet Banking) can provide balances all year round. During November and December funds can be transferred from your Christmas Club Account to other accounts using these services.</p></li>\
	<li><p>Interest is calculated on the minimum monthly balance and paid to the account on the 31st October.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />New England Credit Union Ltd is the issuer of Direct Pay and the Christmas Club Account. </p>";
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function go21(divC,div7)
{
	var d1c ="<h1><strong>Deeming Account</strong></h1>\
	<p>The Deeming Account is a full access transaction account which attracts a high rate of interest and is only available to members that receive a pension or are over the age of 55 and no longer working.</p>\
	<p>Your superannuation or pension is able to be direct credited to this account and funds in the account are available at call.</p>\
	<p>This flexible account can be accessed via numerous access channels including full branch access, Web Access (Internet Banking) & Swift Access (Phone Banking), BPAY, Cheque Book, Visa Access Card and Redicard. Periodical payments, direct credits and direct debits are also available.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Competitive tiered interest rate linked to the Commonwealth Government official deeming rate.</p></li>\
	<li><p>Full range of access methods.</p></li>\
	<li><p>Free Direct Pay service.</p></li>\
	<li><p>Only available to members who receive a Pension or are over the age of 55 and are no longer working.</p></li>\
	<li><p>No monthly account keeping fees.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br /> New England Credit Union Ltd is the issuer of Direct Pay, Deeming Account, Web Access, Swift Access, Cheque Book, Visa Access Card and Redicard. BPAY® is registered to BPAY® Pty Limited ABN 69 079 137 518.</p>";
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}
function go22(divC,div7)
{
	var d1c = "<h1><strong>Term Savings</strong></h1>\
	<p>This is a safe and secure way to invest your savings at a higher rate of interest. You can invest as little as $1,000 with The Community Mutual Group at competitive rates of interest.</p>\
	<p>Invest for the term of your choice from 3 months to 5 years.</p>\
	<p>You can choose how and when interest is paid and what you want to do with the deposit at maturity. You will receive written advice on your investment and term savings details will appear on your regular statements.</p>\
	<p>All The Community Mutual Group deposits, up to a total balance of $1 million per member, are guaranteed by the Australian Government Financial Claims Scheme.</p>\
	<p>Through The Community Mutual Group’s participation in the Australian Government Guarantee Scheme for Large Deposits and Wholesale Funding Members, members can also elect to receive the deposit guarantee on amounts in excess of $1 million. Please contact us on 132 067 for more information.</p>\
	<p><strong>Term Savings Specials</strong> - For a list of current specials on term deposit rates, click <a href=\"termspecial.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>Interest Rates</strong> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>Simply call 132 067 or drop into any branch or agency. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Term Savings.</p>";
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	var d1c = "<h1><strong>Financial Advice</strong></h1>\
	<p><strong>About The Community Mutual Group’s Financial Planning and Wealth Management Service</strong></p>\
	<p>The Community Mutual Group acknowledges that Financial Planning and Wealth Management are an integral aspect of securing your financial future. In response to your changing needs, and our desire to be more closely involved in the Financial Planning and Wealth Management process, The Community Mutual Group offers its members an integrated financial planning and wealth management service, provided by ComCorp Financial Advice Pty Ltd (ComCorp).</p>\
	<p><strong>About ComCorp Financial Advice Pty Ltd (ComCorp)</strong></p>\
	<p>ComCorp is a national financial planning group that specialises in developing integrated Wealth Management solutions for credit unions and their members. ComCorp has been the preferred financial planning partner and supplier to a number of Credit Unions for several years.</p>\
	<p><strong>The success of these relationships has been based on:</strong></p>\
	<ul>\
	<li><p>ComCorp’s commitment to remaining independent of the large bank-owned fund managers, in order to ensure that its advisers are free to recommend products solely on the basis of what is in each members’ best interests;</p></li>\
	<li><p>ComCorp’s dedications towards the building of long lasting and mutually beneficial relationships with its credit union partners;</p></li>\
	<li><p>ComCorp’s ability to work with these credit unions to develop flexible processes and services that deliver the desired results for ComCorp, the credit union, and you, the member; and</p></li>\
	<li><p>The consistent positive feedback these credit unions have received from their members about the quality of ComCorp’s services.</p></li>\
	</ul>\
	<p>In consultation with ComCorp, we have structured a comprehensive product and service framework built around the strengths of The Community Mutual Group’s own staff and the specialist skills of ComCorp’s accredited financial planners.</p>\
	<p><strong>Why should I consider using CMG’s Wealth Management services?</strong></p>\
	<p>The Community Mutual Group’s aim is to help all of our members achieve their financial goals throughout all stages of their life.  Whether you are retired or close to retirement, a recent entrant to the workforce or a full-time student, our dedicated Wealth Management team is there to help you define and implement your financial plans. Our financial planners are absolutely committed to providing you with the best professional advice available.  These individuals have been carefully selected based on their professional qualifications and their dedication to the culture and values of The Community Mutual Group.</p>\
	<p>ComCorp has committed to provide The Community Mutual Group’s members with professional and involved management of their financial planning needs, to whatever level you require. In partnership with ComCorp, our aim is to help you, our members, establish achievable financial goals and strategies and to assist you with:</p>\
	<p>Superannuation, Borrowing to Invest, Estate Planning, Wealth Creation, Corporate Superannuation, Managed Funds Advice, Savings Plans, Redundancy, Pre & Post Retirement, Debt Management, Risk Management, Tax-effective Investment, Social Security Benefits.</p>\
	<p><strong>How can you decide whether The Community Mutual Group’s new Wealth Management services can be of benefit to you?</strong></p>\
	<p>Although the particular needs and financial goals of each our member may differ, the key to satisfying those needs and goals is for members to have access to a suitably qualified professional whom they can trust. We therefore invite you to contact us to arrange an initial interview with one of our dedicated team who can discuss your particular needs. There is no cost for this service but it will give you the opportunity to assess whether we can provide the critical role of being your trusted personal adviser.</p>\
	<p><strong>The costs to expect</strong></p>\
	<p>The Community Mutual Group operates to serve our members. Our primary concern is to give our members the best financial products and services at minimum cost. When members are asked what they value most about us the answer is ‘the personal service, understanding and trust’. For that reason when we look for business partners to help us give our members access to more products and services, we are diligent in our search and determined that our partners must be able to promise personal service, understanding and trust. </p>\
	<p>We chose ComCorp as our partner because they are able to commit to these important values.</p>\
	<p>Financial Services Guides are available to help you understand the roles that would be performed by The Community Mutual Group and ComCorp when providing services to you. This information can be obtained at your nearest branch, or by calling 132 067 during business hours. If you use The Community Mutual Group to access Wealth Management services, the first consultation with an adviser will be free of charge. The financial services provided thereafter may result in the payment of fees and commissions to The Community Mutual Group and/or ComCorp.</p>\
	<p>If you decide, after your initial consultation, to have a comprehensive financial plan prepared, there will generally be a fee charged, although that fee can be waived depending on your particular financial circumstances. To ensure you are aware of any costs before you make any decisions, you will be advised at the initial consultation.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>Simply phone 132 067 or visit any branch or agency to arrange a no-obligation appointment with a financial advisor.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br /> New England Credit Union Ltd. Financial Advisers are licensed through ComCorp Financial Advice Pty Ltd (ABN: 89 133 593 012 AFSL: 331367) (ComCorp) offering professional advice tailored to your individual needs. ComCorp holds an unrestricted dealer's licence from the Australian Securites and Investment Commission. NECU does not accept any responsibility for any acts, omissions or advice of ComCorp and its authorized advisers. ComCorp may also pay NECU referral commission of 0% to 80% of any entry and/or ongoing fees in respect of members referred to ComCorp.</p>";
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	var d1c = "<h1><strong>Information Booklets</strong></h1>\
	<p>The Community Mutual Group has free booklets available that provide useful information on a range of topics.</p>\
	<p>These include:</p>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/bricks_mortar_2008.pdf\"><img src=\"images/tc_bricks_mortar.gif\" border=\"none\"/></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/bricks_mortar_2008.pdf\">Bricks &amp; Mortar</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/golden_egg_2008.pdf\"><img src=\"images/tc_golden_egg.gif\" border=\"none\" /></a><br /> <strong><a href=\"http://www.abacus.org.au/credit_unions/docs/golden_egg_2008.pdf\">Golden Egg</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/credit_wise_2008.pdf\"><img src=\"images/tc_credit_wise.gif\" border=\"none\" /></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/credit_wise_2008.pdf\">Credit Wise</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/lock_key_2008.pdf\"><img src=\"images/tc_lock_key.gif\" border=\"none\" /></a> <br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/lock_key_2008.pdf\">Lock &amp; Key</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/dollars_cents_2008.pdf\"><img src=\"images/tc_dollars_cents.gif\" border=\"none\" /></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/dollars_cents_2008.pdf\">Dollars and Cents</a></strong></div>\
	<div id=\"main_boxes\"><a href=\"http://www.abacus.org.au/credit_unions/docs/wheels_2008.pdf\"><img src=\"images/tc_wheels.gif\" border=\"none\" /></a><br /><strong><a href=\"http://www.abacus.org.au/credit_unions/docs/wheels_2008.pdf\">Wheels</a></strong></div>";
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	var d1c = "<h1><strong>Redi-Draw Home Loan (Variable interest rate)</strong></h1>\
	<p>The Redi-Draw Home Loan is a variable rate home loan with many added features including the ability to make extra repayments to reduce interest. This Home Loan also has a free redraw feature so you can access your extra repayments in case of an emergency, unplanned expenses or planned expenses such as rates and insurance.</p>\
	<p>The Redi-Draw Home Loan can usually be approved within 48 hours meaning you are able to negotiate the house purchase without any added pressure. Talk to us today about how we can meet your home loan needs!</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Loans up to 95% of purchase price are available where Lender’s Mortgage Insurance has been accepted**.</p></li>\
	<li><p>Loan applications can be made over the internet, at any branch or via the Telephone Service Centre.</p></li>\
	<li><p>Access to advance payments, via redraw, is available over the internet, at any branch or via our Telephone Service Centre.</p></li>\
	<li><p>Variable interest rate applies.</p></li>\
	<li><p>This loan is available for owner occupied homes or residential investment properties.</p></li>\
	<li><p>Terms up to 25 years</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><strong>QBE Mortgage Insurance**</strong><br />Lenders Mortgage Insurance allows you to borrow up to 95% of the purchase price of your home, rather that the standard 80%, by insuring us in the event that you may default on your loan.</p>\
	<p><a href=\"insurance_consumercredit\"><strong>Consumer Credit Insurance~</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"insurance_home\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance </p>\
	<p><a href=\"#\" onclick=\"go()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />The prior information does not take into account your financial situation and personal needs. *Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply.<br />\
	<br />**Lenders Mortgage Insurance (LMI) are issued by QBE Mortgage Insurance. LMI approval is subject to the total risk assessment of the individual application. New England Credit Union Ltd. do not have any influence over the decision of QBE to approve your application. QBE’s approach to risk assessment is not based on location alone, but is also reflective of the quality of the borrower and the individual property. Factors that are assessed in the application process include, but are not limited to, the Salability of the Security Property, the level of real estate activity, local economic and market conditions, the condition of the property and other factors such as land size and zoning.<br />\
	<br />~ ”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.<br />\
	<br />#General Insurance is provided by Allianz Australia Insurance Limited [Allianz] AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, New England Credit Union Ltd. acts as an agent for Allianz and not as your agent. Product Disclosure Statements (PDS) are available for these products. You should consider the PDS for these products before acquiring them. You can obtain a copy of the PDS by contacting us on 132 067.</p>";
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	var d1c = "<h1><strong>Steady Rate Home Loan (Fixed interest rate)</strong></h1>\
	<p>Have all or portion of your Home Loan with a fixed interest rate period from 1 to 5 years with the Steady Rate Home Loan. At the completion of the fixed rate period, you may elect to continue with a fixed rate for a further period. Alternatively, your loan can be converted to the standard variable interest rate at that time*.</p>\
	<p>Any part of your loan can be set up at one or more of the fixed rates. For example, you could have part of the loan as Redi-Draw (variable interest rate), some as Steady Rate 2 (fixed for 2 years) and another portion as Steady Rate 3 (fixed for 3 years).~</p>\
	<p>Weekly, fortnightly or monthly repayments are available for these loans.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>You cannot make any pre-payments while your loan is under a fixed rate period. Consequently there is no redraw available on any fixed rate portion of your loan.</p></li>\
	<li><p>Home Loan terms up to 25 years. Fixed rate terms for 1,2, 3 and 5 years.</p></li>\
	<li><p>Maximum loan may be up to 95% of valuation where lender’s mortgage insurance has been accepted.</p></li>\
	<li><p>Have your pay directly credited to your loan through our free Direct Pay service***.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><strong>QBE Mortgage Insurance**</strong><br />Lenders Mortgage Insurance allows you to borrow up to 95% of the purchase price of your home, rather that the standard 80%, by insuring us in the event that you may default on your loan.</p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance~</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"insurance_home.html\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance.</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a> </p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button. <a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />The prior information does not take into account your financial situation and personal needs.</p>\
	<p class=\"p2\">~Penalties may apply if the loan is paid out within the fixed period. Details of these and other terms and conditions are available on request.</p>\
	<p class=\"p2\">*Refer to the Credit Fees and Charges brochure for details.</p>\
	<p class=\"p2\">**Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply.</p>\
	<p class=\"p2\">***New England Credit Union Ltd is the issuer of Direct Pay.</p>\
	<p class=\"p2\">~~ Lenders Mortgage Insurance (LMI) are issued by QBE Mortgage Insurance. LMI approval is subject to the total risk assessment of the individual application. New England Credit Union Ltd. do not have any influence over the decision of QBE to approve your application. QBE’s approach to risk assessment is not based on location alone, but is also reflective of the quality of the borrower and the individual property. Factors that are assessed in the application process include, but are not limited to, the Salability of the Security Property, the level of real estate activity, local economic and market conditions, the condition of the property and other factors such as land size and zoning.</p>\
	<p class=\"p2\">~~~”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.</p>\
	<p class=\"p2\">#General Insurance is provided by Allianz Australia Insurance Limited [Allianz] AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, New England Credit Union Ltd. acts as an agent for Allianz and not as your agent. Product Disclosure Statements (PDS) are available for these products. You should consider the PDS for these products before acquiring them. You can obtain a copy of the PDS by contacting us on 132 067.</p>";
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	var d1c = "<h1><strong>First Home Buyer Pack (Variable interest rate)</strong></h1>\
	<p>The First Home Buyer Pack is specially designed to help you buy the home of your dreams.</p>\
	<p>It offers a 1.00% p.a. discount off the standard variable home loan rate for the first year of your loan and a Your Choice Visa Credit Card with no annual fee and a 3.00%p.a. interest rate discount.</p>\
	<p>With no monthly account keeping, service or transaction fees on your loan or your linked transaction account, The Community Mutual Group can make your transition into home ownership quick, easy and affordable.</p>\
	<p>The Redi-Draw Home Loan can usually be approved within 48 hours meaning you are able to negotiate the house purchase without any added pressure. Talk to us today about how we can meet your home loan needs!</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>A variable interest rate applies, with a discount of 1.00%p.a. available during the first year of your loan.</p></li>\
	<li><p>A Your Choice Visa Credit Card with no annual fee for the life of your loan (a saving of $30 per annum) AND a 3.00%p.a. interest rate discount on the card.</p></li>\
	<li><p>Loan applications can be made over the internet, at any branch or via the Telephone Service Centre.</p></li>\
	<li><p>Access to advance payments, via redraw, is available over the internet, at any branch or via our Telephone Service Centre.</p></li>\
	<li><p>This loan is available for owner occupied homes and First Home Buyers only.</p></li>\
	<li><p>Terms up to 30 years.</p></li>\
	<li><p>Loans up to 95% of purchase price are available where Lenders Mortgage Insurance has been accepted**.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><strong>QBE Mortgage Insurance**</strong><br />Lenders Mortgage Insurance allows you to borrow up to 95% of the purchase price of your home, rather that the standard 80%, by insuring us in the event that you may default on your loan.</p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance~</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"insurance_home.html\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong>The prior information does not take into account your financial situation and personal needs.</p>\
	<p class=\"p2\">*Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply.</p>\
	<p class=\"p2\">**Lenders Mortgage Insurance (LMI) is issued by QBE Lenders’ Mortgage Insurance Limited. LMI approval is subject to the total risk assessment of the individual application. New England Credit Union Ltd. do not have any influence over the decision of QBE to approve your application. QBE’s approach to risk assessment is not based on location alone, but is also reflective of the quality of the borrower and the individual property. Factors that are assessed in the application process include, but are not limited to, the Salability of the Security Property, the level of real estate activity, local economic and market conditions, the condition of the property and other factors such as land size and zoning.</p>\
	<p class=\"p2\">~ ”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.</p>\
	<p class=\"p2\">#General Insurance is provided by Allianz Australia Insurance Limited [Allianz] AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). In arranging this insurance, New England Credit Union Ltd. acts as an agent for Allianz and not as your agent. Product Disclosure Statements (PDS) are available for these products. You should consider the PDS for these products before acquiring them. You can obtain a copy of the PDS by contacting us on 132 067.</p>";
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function go28(divC,div7)
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	var d1c = "<h1><strong>Home Equity Loan</strong></h1>\
	<p>Our Home Equity Loan enables you to take greater control of your debts whilst giving you the flexibility to use the equity you already have in your home to your advantage.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>You can use the equity you already have in your home to secure a loan for a new car, holiday or perhaps to consolidate all of your debts into one easy repayment</p></li>\
	<li><p>Use your existing home equity to purchase an investment property or to make improvements to your current home</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><a href=\"insurance_home.html\"><strong>Allianz Home & Contents Insurance#</strong></a><br />Allianz provide The Community Mutual Group members with home and home contents insurance. Talk to us today for a competitive quote on your valued property. For information on Home & Contents insurance</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />**Normal lending criteria apply.Fees and charges apply. Terms and conditions available on request.</p>";
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function go29(divC,div7)
{
	var d1c = "<p class=\"p3\"><strong>Sustainable Home Loans</strong></p>\
	<p>In recognising the need to encourage more local residents to build energy efficient homes, The Community Mutual Group is offering a special discount of 0.25%p.a. on our standard variable home loan interest rate to members who build energy efficient homes!</p>\
	<p>To qualify for this offer, in addition to satisfying normal lending guidelines, borrowers need to meet criteria that apply to the nationwide House Energy Rating Scheme.</p>\
	<p>If you want an incentive to build an environmentally friendly home, now is the time to speak with The Community Mutual Group.</p>\
	<p>The Sustainable Home Loan is available to members who are purchasing or building homes with a 6+star rating according to the Nationwide House Energy Rating Scheme.</p>\
	<p>To qualify for a Sustainable Home Loan simply provide The Community Mutual Group with a report produced by an accredited energy assessment tool such as BERS Pro or FirstRate5, which are based on software developed by CSIRO called AccuRate. This report will outline the heating and cooling efficiency required to keep your house comfortable and a 0 to 10 star rating of the heating and cooling energy performance.</p>\
	<p>Simply call 132 067 or visit your local branch of The Community Mutual Group to find out more about this special offer. When making your enquiries, please mention that your home meets the eligibility criteria for a Sustainable Home Loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />To qualify for the Sustainable Home Loan, the home financed must have an energy rating of 6 stars or more under the Nationwide House Energy Rating scheme. Variable interest rates apply to the Sustainable Home Loan with a 0.25%p.a. discount. Maximum Loan Term is 30 years.</p>\
	<p class=\"p2\">Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs.</p>\
	<p class=\"p2\">Contact The Community Mutual Group on 132 067 for further details.</p>";
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function go30(divC,div7)
{
	var d1c = "<h1><strong>Investment Loan</strong></h1>\
	<p>Our loan range incorporates a loan that has been designed to help you, the investor, meet your needs. If you are considering investing in property or perhaps a share portfolio, ask our staff about an investment loan.</p>\
	<p><strong>Loan Calculator</strong><br />To use our loan calculator, just click on the GO button <a href=\"webLoans.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 1300 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd Lending criteria apply.</p>";
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function go31(divC,div7)
{
	var d1c = "<h1><strong>Personal Loan</strong></h1>\
	<p>The Community Mutual Group offers a range of personal loans designed to suit your needs. Whether you need a holiday, new furniture, electrical goods or you simply need to consolidate some existing debts, The Community Mutual Group has a flexible personal loan solution for you.</p>\
	<p>A key benefit of The Community Mutual Group personal loan is that your application is approved locally, by a local person who understands your needs. This local approval process means that, in most cases, you will have an answer on your Personal Loan application within 24 hours, ensuring you can make your purchase sooner rather than later.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Available for any worthwhile purpose.</p></li>\
	<li><p>Choice of repayment frequency and terms (weekly, fortnightly or monthly).</p></li>\
	<li><p>No monthly account keeping fees.</p></li>\
	<li><p>Fast, local approval.</p></li>\
	<li><p>Free Direct Pay service**.</p></li>\
	<li><p>No penalty for early payout.</p></li>\
	<li><p>Redraw facility.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance***</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"#\" onclick=\"go9()\"><strong>Access Savings Account**</strong></a><br />This award winning account is opened with every new membership and is used for your everyday transactions.</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><a href=\"#\" onclick=\"go34()\"><strong>Convenience Plus*</strong></a><br />The Convenience Plus Account is a continuing credit facility offering flexibility, a great interest rate and most of all ‘convenience’.</p>\
	<p><a href=\"#\" onclick=\"go20()\"><strong>Christmas Club**</strong></a><br />Set aside a little in a Christmas Club Account and reap the rewards at that stressful time of the year, Christmas!</p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs. **New England Credit Union Ltd is the issuer of the Direct Pay service, Access Savings Account, Convenience PLUS and Christmas Club. ***”Part 2 Disability Cover” and “Part 3 Unemployment Cover” are provided by Allianz Australia Insurance Limited AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). “Part 1 Death Cover” is provided by The Colonial Mutual Life Assurance Society Limited AFS Licence No. 235035 ABN 12 004 021 809 (CMLA). Allianz acts as CMLA’s agent in offering Part 1 Death Cover.</p>";
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function go32(divC,div7)
{
	var d1c = "<h1><strong>Car Loan</strong></h1>\
	<p>The Community Mutual Group's Car Loans are flexible and structured to suit your needs. Boasting competitive interest rates and unique features such as no early pay-out fees and the ability to redraw, our Car Loans will help put you in the driver’s seat sooner. The best part of all is that your application will be assessed locally by a friendly in-house lender who understands your needs. In most cases you will receive a response on your application within 24 hours. Whether you need a four wheel drive for the family or a sports car for yourself, talk to The Community Mutual Group today to discuss how we can best meet your financial needs!</p>\
	<p><strong>Eco-friendly Vehicles</strong></p>\
	<p>The Community Mutual Group is constantly looking for ways to care for our environment. By choosing a greener vehicle, you can make a real difference.</p>\
	<p>The <a href=\"http://www.greenvehicleguide.gov.au/GVGPublicUI/home.aspx\">Green Vehicle Guide</a> helps you by rating new Australian vehicles based on greenhouse and air pollution emissions. The rating is calculated using data provided by manufacturers and from testing the vehicle against Australian standards.</p>\
	<p><strong>Product Details</strong></p>\
	<ul><li><p>Loan generally approved within 24 hours.</p></li>\
	<li><p>Redraw facility available.</p></li>\
	<li><p>Applications can be made over the telephone, via the Internet, in any branch or through our Telephone Service Centre.</p></li>\
	<li><p>Loan terms can be up to 84 months.</p></li>\
	<li><p>Free Direct Pay service*.</p></li>\
	<li><p>No monthly account keeping or service fees.</p></li>\
	<li><p>No early pay out fees apply to the loan.</p></li>\
	</ul><p><strong>Direct Pay</strong><br />Have your pay deposited to your Credit Union account and automatically distributed to loan repayments, savings or special purpose accounts.</p>\
	<p><a href=\"#\" onclick=\"go35()\"><strong>Your Choice Visa Credit Card*</strong></a><br />The Community Mutual Group’s “Your Choice” Visa Credit Card offers you flexible and competitive access to credit funds. Features include up to 55 days interest free, low annual fee, acceptance around the world, a great interest rate and best of all a 3.00%p.a reduction in the credit card interest rate for members with a Community Mutual Group home loan.</p>\
	<p><a href=\"#\" onclick=\"go9()\"><strong>Access Savings Account**</strong></a><br />This award winning account is opened with every new membership and is used for your everyday transactions.</p>\
	<p><a href=\"insurance_motor.html\"><strong>Allianz Car Insurance</strong></a><br />For information on car insurance, click the go button.<a href=\"insurance_motor.html\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Interest Rates</strong><br />For information on interest rates, click the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply click the link above for our online loan application. Alternatively, call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />**Normal lending criteria apply. Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. *New England Credit Union Ltd. is the issuer of Direct Pay.</p>";
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function go33(divC,div7)
{
	var d1c = "<h1><strong>Enviro Loan*</strong></h1>\
	<p>The Community Mutual Group’s Enviro Loan is designed to help you purchase energy efficient material for your home in a more affordable and convenient way. Our Enviro Loan allows for the use of Government rebates which can either be credited to your loan or used for other ‘green’ purposes.</p>\
	<p>If you are eligible to receive a Government rebate that is associated with your purchase, and you allocate this rebate to us, you can take advantage of our 3 month no repayment offer. This gives you the freedom of no repayments for 3 months, while waiting for your Government rebate to be credited to your loan.</p>\
	<p><strong>Enviro Loan Details</strong></p>\
	<p>Eligible purchases include solar hot water systems, solar electricity panels, peak pumps, green power and rainwater tanks.</p>\
	<ul>\
	<li><p>Choice of repayment frequency (weekly, fortnightly or monthly)</p></li>\
	<li><p>Fast, local approval.</p></li>\
	<li><p>Free Direct Pay service**.</p></li>\
	<li><p>No penalty for early payout.</p></li>\
	</ul>\
	<p><strong>Benefits</strong></p>\
	<ul>\
	<li><p>No establishment fee.</p></li>\
	<li><p>No monthly fees.</p></li>\
	<li><p>The Enviro Loan offers you a rate of interest that is lower than the standard personal loan rate.</p></li>\
	<li><p>Free Swift Access (24 hour phone banking).</p></li>\
	<li><p>Free Web Access which provides balance enquiries or transfers to your loan.</p></li>\
	</ul>\
	<p><strong>Other Products</strong></p>\
	<p><a href=\"insurance_consumercredit.html\"><strong>Consumer Credit Insurance***</strong></a><br />Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p><a href=\"#\" onclick=\"go9()\"><strong>Access Savings Account**</strong></a><br />This award winning account is opened with every new membership and is used for your everyday transactions.</p>\
	<p><a href=\"#\" onclick=\"go34()\"><strong>Convenience Plus*</strong></a><br />The Convenience Plus Account is a continuing credit facility offering flexibility, a great interest rate and most of all ‘convenience’.</p>\
	<p><a href=\"#\" onclick=\"go20()\"><strong>Christmas Club**</strong></a><br />Set aside a little in a Christmas Club Account and reap the rewards at that stressful time of the year, Christmas!</p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To start an application, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It's easy, simply click the link above for our online loan application. Alternatively, call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p><strong>Sustainable Home Loan*</strong></p>\
	<p>In recognising the need to encourage more local residents to build energy efficient homes, The Community Mutual Group is offering a special discount of 0.25%p.a. off our standard variable home loan interest rate to members who build energy efficient homes! The Sustainable Home Loan is available to members who are purchasing or building homes with a 6+ star rating according to the Nationwide House Energy Rating Scheme. To qualify for a Sustainable Home Loan simply provide Us with a report produced by an accredited energy assessment tool such as BERS Pro or FirstRate5, which are based on software developed by CSIRO called AccuRate.</p>\
	<p><strong>Consumer Credit Insurance***</strong></p>\
	<p>Consumer Credit Insurance can be purchased to assist in making your loan repayments in the event that you are unable to do so for a number of specified reasons. You have the freedom to choose from a list of events you want to be covered for, including illness or injury, involuntary unemployment and death. Ask our friendly staff for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Community Mutual Group, Hunter Mutual, New England Mutual and Orana Mutual are trading names of New England Credit Union Ltd. ABN 21 087 650 360 AFSL 241167. * Terms and conditions apply. Fees and Charges may apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs. **New England Credit Union Ltd is the issuer of the Access Savings Account and Direct Pay service. *** Allianz Australia Insurance Limited AFS Licence No. 234708, ABN 15 000 122 850, is the insurer of the disability cover (see Part 2) and involuntary unemployment cover (see Part 3) and is only responsible for these covers. Allianz Australia Life Insurance Limited is the insurer of the trauma and death cover (see Part 1) and is only responsible for this cover. Allianz acts as Allianz Life’s agent in offering and administering the trauma and death cover. New England Credit Union, AFSL 21 087 650 360, ABN 241167 acts as an agent of Allianz and not as your agent. Before making a decision about this insurance please refer to the relevant Product Disclosure Statement available at any branch.</p>";
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function go34(divC,div7)
{
	var d1c ="<h1><strong>Convenience PLUS</strong></h1>\
	<img src=\"images/access_savings.jpg\" border=\"none\" />\
	<p>Designed to meet your ever-changing needs in the most flexible way possible, ConveniencePlus is our continuing credit facility that offers you the features of a loan with the additional flexibility of a VISA card. Simply choose a credit limit to suit you from &#36;3,000 - &#36;30,000 for anything you want, with regular set repayments.</p>\
	<p>Web Access &#40;our internet banking facility - www.necu.com.au&#41; and Swift Access &#40;our telephone banking system - 1300 363 777&#41; also provide greater flexibility when using this product.</p>\
	<p><strong>Product Details</strong></p>\
	<ul>\
	<li><p>Available to approved members.</p></li>\
	<li><p>No minimum draw down amount and no account keeping fees.</p></li>\
	<li><p>Convenient, flexible access to funds through a Visa Access Card and also Web Access &#40;Internet Banking&#41; and Swift Access (Phone Banking) BPAY or over the counter at any branch.</p></li>\
	<li><p>The loan approval fee is waived when you have your entire payroll sent to The Community Mutual Group.</p></li>\
	<li><p>Monthly repayments of 2.50&#37;p.a or &#36;20 &#40;which ever is greater&#41; for control over your finances.</p></li>\
	</ul>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It\’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one &#36;10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria apply. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd. is the issuer of Web Access, Swift Access and Convenience PLUS. BPAY® is registered to BPAY® Pty Limited ABN 69 079 137 518.</p>";
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function go35(divC,div7)
{
	var d1c ="<h1><strong>Your Choice Visa Credit Card</strong></h1>\
	<p>“Your Choice” is a credit card issued and developed by The Community Mutual Group to cater specifically to your needs. We have focused on providing you with a “55 days interest free” credit card with a low annual fee, a low interest rate and a special bonus for members who have a mortgage with The Community Mutual Group. Add to this the unrivalled access to over 24 million merchants and almost one million ATM’s in over 150 countries that is provided through our affiliation with Visa International, and “Your Choice” becomes the only choice when selecting a credit card!</p>\
	<p><strong>Up to 55 days interest free...</strong></p>\
	<p>Most of us have heard the phrase “55 days interest free”, but what does it really mean, and how does it benefit you?</p>\
	<p>Here’s how it works... You will receive a statement for the “Your Choice” Visa credit card each month. Each statement will show a payment due date, which will be at least 24 days from the end of the month in which your transactions were made. Any purchases on this statement will not be charged interest until after this due date . This means that you get to use The Community Mutual Group’s money for at least 24 days before you are charged any interest, and if you make your purchase early in the month, up to 55 days interest free.</p>\
	<p><strong>Acceptance of Visa around the corner or around the world...</strong></p>\
	<p>Our affiliation with Visa International gives you the assurance that the “Your Choice” credit card will be widely accepted both in Australia and overseas.</p>\
	<p><strong>“Your Choice” is the right choice for low annual fees and interest rates</strong></p>\
	<p><a href=\"documents/VisaTermsConditions.pdf\"><strong>Terms & Conditons </strong></a><br />To view Terms & Conditions for this product, click on the go button.</p>\
	<p><strong>Interest Rates</strong><br />For a list of current interest rates, click on the go button.<a href=\"documents/Loan_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Apply Online</strong><br />To apply for a Your Choice visa credit card, click on the go button.<a href=\"http://www.necu.com.au/wlnewengland/\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p>Those members who apply for a “Your Choice” Visa credit card that already have or take out a mortgage with The Community Mutual Group will receive a further interest rate reduction of 3.00%p.a. off the already low credit card interest rate. This reduces the interest rate you pay on the “Your Choice” card and is a reward for using us for both your home loan and credit card needs.</p>\
	<p><strong>Transfer your existing credit card balance and start saving immediately!</strong></p>\
	<p>Do you have a credit card at another financial institution? If so, what interest rate are you paying? By transferring the current balance of any other existing credit card you can start paying the low “Your Choice” Visa Credit Card interest rate on the outstanding balance immediately. Why pay up to 18% interest (or more) when you can transfer your current credit card balance to a “Your Choice” Visa. And the great news is that the sooner you make the change to “Your Choice”, the sooner you will start saving!</p>\
	<p><strong>Important Note:</strong></p>\
	<p>Credit cards are part of everyday life for most Australians, however most of us have heard stories about how incorrect use of a credit card can cause financial difficulty for the user. It is important to remember that the “Your Choice” Visa credit card is not an alternative to a loan. It is designed to provide you with short term finance and a convenient way to make purchases locally, internationally, over the telephone and on the internet. While the minimum monthly repayment on the “Your Choice” Visa is 2.5% or $20, whichever is greater, you can minimise the interest charged by paying more than this amount.</p>\
	<p><strong>How do I Apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong> Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria applies. For lost and stolen VISA cards, please contact the VISA Australia wide hotline on 1800 224 004.</p>\
	<p><a href=\"https://cardholderregistration.onlineauthentication.com.au/802292v\"><img src=\"images/verifiedbyvisa.gif\" border=\"none\" /></a> <strong>Please contact us on 132 067 if you require your visa card to be registered for Verified by Visa.</strong></p>";
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function community01(divC)
{
	var mc = "<h1><strong>Community Support</strong></h1>\
	<p>The Community Mutual Group prides itself on operating at the heart of our community and as such provides essential support to community groups each year as part of our Community Support Program. Any community group or cause is able to apply for support in the form of sponsorships and donations with applications opening on 1 July and closing 31 July each year. The Community Mutual Group’s support of the local community in the last 12 months has resulted in direct assistance to over 240 various community organisations and events.</p>\
	<p>If you have an event that is in need of funding, please download and complete an application form.</p>\
	<p><strong>Sponsorship/ Donation Application Form</strong><br />To download a Sponsorship/Donation Application Form, please click the go button.<a href=\"documents/Sponsorship_Application_2009-10.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p>Once you have downloaded the form, please complete and mail to:</p>\
	<p>The Community Mutual Group<br />Marketing Officer<br />87 Bridge Street<br />Muswellbrook NSW 2333</p>\
	<p><strong>If you require further information, simply call the Marketing Officer on 132 067.</strong></p>\
	<table>\
	<tr>\
	<td width=\"250px\" class=\"one\"></td>\
	<td width=\"150px\" class=\"one\"></td>\
	<td width=\"150px\" class=\"one\"></td>\
	<td width=\"250px\" class=\"one\"></td>\
	</tr>\
	<tr>\
	<td width=\"400px\" colspan=\"2\" class=\"four\"><img src=\"images/comminvolv/dogs.jpg\" border=\"none\" /></td>\
	<td width=\"400px\" colspan=\"2\" valign=\"top\" class=\"three\"><p>Paws Up, an offshoot of the successful Iron Man Welders program, involves 20 boys and 16 dogs who compete regularly at local shows and train at least once a week. The Community Mutual Group has been a proud supporter of Iron Man Welders and Paws Up since their inception.</p></td>\
	</tr>\
	<tr>\
	<td width=\"250px\" rowspan=\"2\" class=\"four\"><img src=\"images/comminvolv/negs.jpg\" border=\"none\" /></td>\
	<td width=\"300px\" colspan=\"2\" class=\"three\" valign=\"top\" height=\"200px\"><p>Left: Students of the New England Girls School and the broader community learn horse skills through The Community Mutual Group’s sponsorship of a horse that is stabled at the school.</p></td>\
	<td width=\"250px\" rowspan=\"2\" class=\"three\"><img src=\"images/comminvolv/nif.jpg\" border=\"none\" /></td></tr>\
	<tr><td width=\"300px\" colspan=\"2\" valign=\"bottom\" class=\"four\" height=\"200px\">Right: For the past two years, The Community Mutual Group has been proud to hold the naming rights sponsorship of the New England Mutual Premier League competition. This competition includes teams from Armidale, Gunnedah and Tamworth.</td>\
	</tr>\
	<tr>\
	<td width=\"400px\" colspan=\"2\" class=\"five\"><img src=\"images/comminvolv/tafe.jpg\" border=\"none\" /></td>\
	<td width=\"400px\" colspan=\"2\" class=\"five\"><img src=\"images/comminvolv/vinnies.jpg\" border=\"none\" /></td>\
	</tr>\
	<tr>\
	<td width=\"400px\" colspan=\"2\" valign=\"top\" class=\"two\"><p>Above: The Community Mutual Group is part of a joint venture to offer free sustainable living workshops for the community at the TAFE NSW - New England Institute, Armidale Campus this year.</p></td>\
	<td width=\"400px\" colspan=\"2\" valign=\"top\" class=\"two\"><p>Above: Stephen Butler and Alex Ribeiro, Assistant Managers from The Community Mutual Group’s Armidale office, give one afternoon per month to work a shift in the local Vinnies shop.</p></td>\
	</tr>\
	</table>";
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	var mc = "<h1><strong>Community Partnership Account</strong></h1>\
	<p>The Community Mutual Group offers a Community Partnership Account (CPA) which assists community-based organisations with their fundraising activities. The CPA is a full access savings account that offers a competitive interest rate and a guarantee that NECU will reward the account holder’s nominated community group with an annual bonus payment. The Account holder WINS with a competitive transaction account, the community group WINS with financial support and NECU WINS as we are able to direct more funds back into the communities in which we operate!</p>\
	<p><strong>How does it work?</strong></p>\
	<p>Interested Community Groups need to register with The Community Mutual Group to become a Recipient Organisation. NECU will then place the organisation’s name on our list of recipient organisations and individual members can elect to support their favourite groups by opening a Community Partnership Account.</p>\
	<p>On 30 June each year NECU calculates the average annual balance of accounts held by supporters of each recipient organisation. This amount is then used by NECU to make a 1% bonus payment to the chosen Community Organisation.</p>\
	<p><strong>What can community groups do?</strong></p>\
	<p>Community Groups can encourage Community Partnership Accounts to be opened by letting supporters know about it through their own newsletters, meetings and functions. Community Groups can also distribute these brochures to their supporters. When a whole community gets behind their favourite charity, sporting club or community organisation, small amounts saved by individuals can become significant to their fundraising goals.</p>\
	<p><strong>How can you support your favourite community group?</strong></p>\
	<p>You can support your chosen community organisation without it costing you anything. As long as you have money in your account, your chosen organisation will receive an annual bonus from NECU. Thanks to supporters choosing their favourite community organisation, the recipient can continue to enjoy this bonus payment each year.</p>\
	<p>The more supporters an organisation obtains the more they will receive in their annual bonus payment—encourage your relatives and friends to become supporters today.</p>\
	<p><strong>How can I access funds in the CPA?</strong></p>\
	<p>The Community Partnership Account is an everyday transaction account with a variety of access methods to suit you! Access your funds at call through a cheque book, EFTPOS, ATM, Web Access (Internet Banking), Swift Access (telephone banking), VISA Debit card and BPAY®.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />New England Credit Union Ltd is the issuer of the Community Partnership Account, Cheque Book, Web Access, Swift Access and VISA Access. BPAY® is registered to BPAY® Pty Limited ABN 69 079 137 518.</p>";
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function community03(divC)
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	var mc = "<h1><strong>Sponsorship</strong></h1>\
	<p>Sponsorships are one way in which NECU give back to the communities in which we operate. Sponsorships are assessed in accordance with our community support policy and should thus fall into one of the following categories:</p>\
	<ul>\
	<li><p>Sports</p></li>\
	<li><p>Arts & Cultural Activities</p></li>\
	<li><p>Education & Employment related activities</p></li>\
	<li><p>Community Activties (e.g. Festivals & Fairs)</p></li>\
	<li><p>Other</p></li>\
	</ul>\
	<p>Applications for sponsorships are taken between 1st July and 31st July each year.</p>\
	<p><strong>Information Pack</strong><br />To download the Sponsorship Information Pack, please click the go button.&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;<a href=\"documents/Information_Pack_Sponsorship-Donation.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Sponsorship Application</strong><br />To download a Sponsorship Application Form, please click the go button.&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;<a href=\"documents/Sponsorship_Application_2009-10.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p>Once you have downloaded the form, please complete and mail to:</p>\
	<p>Marketing Coordinator<br />The Community Mutual Group<br />PO Box U631<br />University of New England<br />NSW 2351</p>\
	<p><strong>If you require further information, simply call the Marketing Coordinator on 132 067.</strong></p>";
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	var mc = "<h1><strong>Donation</strong></h1>\
	<p>Donations are another way in which NECU give back to the communities in which we operate. Donations are assessed in accordance with our community support policy and should thus fall into one of the following categories:</p>\
	<ul>\
	<li><p>Sports</p></li>\
	<li><p>Arts & Cultural Activities</p></li>\
	<li><p>Education & Employment related activities</p></li>\
	<li><p>Community Activties (e.g. Festivals & Fairs)</p></li>\
	<li><p>Other</p></li>\
	</ul>\
	<p>Applications for sponsorships are taken between 1st July and 31st July each year.</p>\
	<p><strong>Information Pack</strong><br />To download the Sponsorship Information Pack, please click the go button.&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;<a href=\"documents/Information_Pack_Sponsorship-Donation.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p><strong>Donation Application</strong><br />To download a Donation Application Form, please click the go button.&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;<a href=\"documents/Sponsorship_Application_2009-10.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>\
	<p>Once you have downloaded the form, please complete and mail to:</p>\
	<p>Marketing Coordinator<br />The Community Mutual Group<br />PO Box U631<br />University of New England<br />NSW 2351</p>\
	<p><strong>If you require further information, simply call the Marketing Coordinator on 132 067.</strong></p>";
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function community05(divC)
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	var mc = "<h1><strong>Studying at the University of New England in 2009</strong></h1>\
	<p>The Community Mutual Group proudly sponsors 4 Entrance Scholarships, for new residents of Earle Page College, in the following areas:</p>\
	<p><strong>Performing Arts $1,000</strong></p>\
	<p><strong>Sporting Excellence $1,000</strong></p>\
	<p><strong>Academic Excellence $1,000</strong></p>\
	<p><strong>Community Service $1,000</strong></p>\
	<p>Earle Page College is a tertiary residential community for 300 students at UNE which values diversity and the individual. It is a traditional college with contemporary style. ‘We take pride in our friendliness, student support (academic & pastoral), musical productions and choir, sporting success, high profile formal dinners, opportunities for student leadership and charity fund-raising.</p>\
	<p>Further information including an application form can be found by following this link <a href=\"http://www.une.edu.au/scholarships/undergraduate/necuepentrance.php\"><img src=\"images/go_button.gif\" border=\"none\" /></a></p>";
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	var d1c = "<h1><strong>Mortgage Offset Account</strong></h1>\
	<p>The Mortgage Offset Account (S77) is a full access transaction account that allows members with a home loan to reduce the amount of interest they pay on their home loan. Rather than attracting interest on credit funds held in your transaction account, the balance of your loan is offset by the amount held in your transaction account when interest is calculated. </p>\
	<p>As such, you effectively receive the same amount of interest on your transaction account as what you pay on your home loan, however the interest is deducted from what you would normally be charged on your loan rather than paid to you as a credit to your transaction account.</p>\
	<p>The Mortgage Offset Account offers flexibility with a range of access methods including full branch access through a network of branches across the New England, North West, Central West, Orana and Hunter Valley regions of NSW. Full remote access is available through Swift Access (phone) and Web Access (Internet) banking facilities, EFTPOS, Cheque Book, Visa Access Card or Redicard, Direct Credits and Direct Debits. The Mortgage Offset Account offers you freedom, flexibility and convenience.</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;The amount of interest you pay on your home loan is reduced due to the credit funds you hold in your transaction account</p>\
	<p>&#8195;&#8594;&#8195;Your salary can be direct credited to this account.</p>\
	<p>&#8195;&#8594;&#8195;Generous fee structure. See the fees and charges brochure for details of excess transaction fees.</p>\
	<p>&#8195;&#8594;&#8195;No monthly account keeping fee.</p>\
	<p>&#8195;&#8594;&#8195;The ability to choose how you access your funds - over the counter or electronically.</p>\
	<p>&#8195;&#8594;&#8195;Interest is calculated on the minimum monthly balance and is paid to the account every 6 months.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>";
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	var d1c = "<h1><strong>Target Saver Account</strong></h1>\
	<p>Saving for a special purpose like a car or a holiday? This account is for you. Interest is calculated on a tiered rate and is dependant upon the monthly balance in your account. You can deposit any amount at anytime. Sit back and watch your funds grow! Interest is calculated daily and paid monthly.</p>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Target Saver Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Four Seasons Account</strong></h1>\
	<p>This account is more flexible than a term deposit with a higher rate of interest than an access savings account. The interest rate is tiered which means the higher your balance the more you receive in interest. Funds can be withdrawn in January, April, July and October.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>The interest rate is tiered meaning the higher the balance the higher the interest received by the member.</p></li>\
	<li><p>This account is flexible enough to give members access to their account four times per year (hence “Four Seasons”) and still provides a competitive interest rate.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Four Seasons Account. </p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>\
	<p> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - </p>\
	<h1><strong>Premium Savings Account</strong></h1>\
	<p>With this savings account you can save for something special or even invest in your future. Your savings will accumulate even faster with a high rate of interest which is tiered meaning that the higher your balance the more interest you will receive.</p>\
	<p><strong>Key Benefits</strong></p>\
	<ul>\
	<li><p>Useful as a means to increase savings, however funds are accessible if needed.</p></li>\
	<li><p>If funds are needed they may be accessed at any time throughout the year.</p></li>\
	<li><p>More flexible than a term deposit.</p></li>\
	</ul>\
	<p><em>Interest Rates</em> - For a list of current interest rates, click <a href=\"documents/Savings_&_Fixed_Term_Interest_Rates.pdf\"><img src=\"images/go_button.gif\" border=\"none\" /></a>.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>\
	<p class=\"p2\"><strong>Disclaimer</strong><br />*Terms and conditions available on request. The prior information does not take into account your financial situation and personal needs. New England Credit Union Ltd is the issuer of the Premium Savings Account.</p>\
	<p><a href=\"#top\">&#8594;Back to Top&#8592;</a></p>";
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	var d1c = "<h1><strong>Mortgage Overdraft</strong></h1>\
	<p>You might choose to use the Mortgage Overdraft as a cheap line of credit for small to medium purchases such as a new car or boat. Alternatively, if you prefer, it can be an all-in-one transaction and home loan that allows you to credit all your pay against your home loan balance and only withdraw the funds when you need to- thus allowing you to reduce the interest you accrue during the month.</p>\
	<p>Secured by a mortgage over your home, you have the flexibility of making deposits or withdrawals of any amount (up to your approved limit) at any time.</p>\
	<p>The Mortgage Overdraft offers flexibility with a range of access methods including full branch access through a network of branches across the New England, North West, Central West, Orana and Hunter Valley regions of NSW. Full remote access is available through Swift Access (phone) and Web Access (Internet) banking facilities, EFTPOS, Cheque Book, Visa Access Card or Redicard, Direct Credits and Direct Debits. The Mortgage Offset Account offers you freedom, flexibility and convenience.</p>\
	<p><strong>Product Details</strong></p>\
	<p>&#8195;&#8594;&#8195;Ability to re-borrow on a continuous basis without the need to complete additional loan applications</p>\
	<p>&#8195;&#8594;&#8195;Your salary can be direct credited to this account.</p>\
	<p>&#8195;&#8594;&#8195;Generous fee structure. See the fees and charges brochure for details of excess transaction fees.</p>\
	<p>&#8195;&#8594;&#8195;No monthly account keeping fee.</p>\
	<p>&#8195;&#8594;&#8195;The ability to choose how you access your funds - over the counter or electronically.</p>\
	<p><strong>How do I apply?</strong></p>\
	<p>It’s easy, simply call 132 067 or visit any branch to discuss how The Community Mutual Group can meet your financial needs. To use this facility you must be a member of The Community Mutual Group. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.</p>";
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function go39()
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	var mc = document.getElementById('div5').innerHTML;
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	var d1c = "<p>You don’t have to go far to discover a range of premium home loan products. We have designed our range to suit the flexibility and value for money that you are looking for. Whether you are buying your first home, an investment property or simply want to calculate your repayments, you will find everything you need in one easy place - here!</p>\
	<p><a href=\"#\" onclick=\"go27()\"><strong>First Home Buyers Pack</strong>\
	<br /><br /><img src=\"images/lending06.jpg\" border=\"none\" /></a>\
	<br /><br />Specially designed to help you buy the home of your dreams!</p>\
	<p><a href=\"#\" onclick=\"go29()\"><strong>Sustainable Home Loan</strong>\
	<br /><br /><img src=\"images/lending01.jpg\" border=\"none\" /></a>\
	<br /><br />In recognising the need to encourage more local residents to build energy efficient homes, The Community Mutual Group is offering a special discount of 0.25%p.a. on our standard variable home loan interest rate to members who build energy efficient homes!</p><p><a href=\"#\" onclick=\"go25()\"><strong>Redi-Draw Home Loan (variable rate)</strong>\
	<br /><br /><img src=\"images/lending03.jpg\" border=\"none\" /></a>\
	<br /><br />The Redi-Draw Home Loan is a variable rate home loan with many added features including the ability to make extra repayments to reduce interest. This Home Loan also has a free redraw feature so you can access your extra repayments in case of an emergency, unplanned expenses or planned expenses such as rates and insurance.</p>\
	<p><a href=\"#\" onclick=\"go26()\"><strong>Steady Rate Home Loan (fixed rate)</strong>\
	<br /><br /><img src=\"images/lending02.jpg\" border=\"none\" /></a>\
	<br /><br />Have all or portion of your Home Loan with a fixed interest rate period from 1 to 5 years with the Steady Rate Home Loan. At the completion of the fixed rate period, you may elect to continue with a fixed rate for a further period. Alternatively, your loan can be converted to the standard variable interest rate at that time*.</p>\
	<p><a href=\"#\" onclick=\"go28()\"><strong>Home Equity Loan</strong>\
	<br /><br /><img src=\"images/lending04.jpg\" border=\"none\" /></a>\
	<br /><br />Our Home Equity Loan enables you to take greater control of your debts whilst giving you the flexibility to use the equity you already have in your home to your advantage.</p>\
	<p><a href=\"#\" onclick=\"go33()\"><strong>Enviro Loan</strong>\
	<br /><br /><img src=\"images/lending05.jpg\" border=\"none\" /></a>\
	<br /><br />The Community Mutual Group's Enviro Loan is designed to help you purchase energy efficient material for your home in a more affordable and convenient way.</p>\
	<p><a href=\"#\" onclick=\"go30()\"><strong>Investment Loan</strong>\
	<br /><br /><img src=\"images/lending07.jpg\" border=\"none\" /></a>\
	<br /><br />Our loan range incorporates a loan that has been designed to help you, the investor, meet your needs. If you are considering investing in property or perhaps a share portfolio, ask our staff about an investment loan.</p>\
	<p><a href=\"webLoans.html\"><strong>Loans Calculator</strong></a></p>\
	<p class=\"p2\">* Refer to the Credit Fees and Charges brochure for more details.</p>";
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