Parkes 269 Clarinda Street ( 6862 2788 • Forbes 87 Rankin Street ( 6852 3571 • Cowra 91 Kendal Street ( 6342 4142 www.cwcu.com.auFor all loans terms, conditions, fees, charges and lending criteria apply. Central West Credit Union Ltd. 269 Clarinda St, Parkes NSW 2870. ABN 67 087 649 885. AFSL 245415. Australian Credit Licence 245415.

Advertising is of a general nature only and does not take into account you financial objectives, financial situation or needs. An Account and Access Facilities brochure is available on request,by calling 02 6862 2788, or by visiting any or our branches or online at www.cwcu.com.au You should obtain an Account and Access Facilities brochure and consider it before acquiring the financial product.

Central West Credit Union Proudly local - just like you

Beware of Carbon Tax repeal scams!

1. Full Terms & Conditions and list of rediATM participating financial institutions are available at rediATM.com.au/win 2. Entry is only open to Australian residents aged 16 and over, who hold a valid debit card issued by a rediATM participating financial institution. 3. Entrants must not have closed their debit card account or have any overdue monies owing on their debit card account and their account must not be in arrears as at the applicable draw date/time, in order to be eligible to claim a prize. *4. Entrants must make a cash withdrawal of any amount using a valid debit card (including rediCARD) issued by a participating financial institution at any rediATM, keep their receipt and enter at rediATM.com.au/win and supply all the information requested including the transaction time and date on the receipt. Balance enquiries, transfers, deposits, and change of PIN at a rediATM are not eligible for entry. Valid debit cards exclude commercial (Business) debit cards. 5. Competition opens 12.01am AEST on 01/09/2014 and ends 11.59pm AEDST on 30/11/2014. 6. A week refers to Monday to Sunday and a winner is drawn the following Thursday at 12.00pm (noon) AEST/AEDST (as applicable in NSW) at Anisimoff Legal, Level 5, 492 St Kilda Road, Melbourne, Victoria 3004. Therefore the first draw will take place Thursday 11/09/2014 and last on 04/12/2014. Non-winning entries in each weekly draw will be entered into any subsequent weekly draw(s). The first (1) valid entry drawn in each Weekly Draw will each win AU$5,000. Thirteen (13) prizes in total will be awarded for this promotion. 7. Weekly winners will be published on rediATM.com.au/win on 16/12/2014 Promoter is Cuscal Limited, ABN 95 087 822 455 of 1 Margaret St, Sydney NSW 2000. NSW Permit No. LTPS/14/05257, VIC Permit No. 14/4593, ACT Permit No. TP14/02318, SA Permit No. T14/1214.

Big, red and right around the corner

For your chance to win $5,000 weekly, simply make an eligible withdrawal* at any rediATM, keep your rediATM receipt and enter your details at

at rediATM.com.au/win

redi to

$5,000?

Competition ends 30 November 2014

Important notice to Members

Transfers to accounts at other financial institutions are processedusing the BSB and account number only. Account name is used forreference purposes only. Please ensure that the BSB and account numbers are correct. The details you provide are not checked prior to payment and anyerror could result in loss of your funds if they cannot be retrievedfrom an unintended recipient.

Here are some “Do Nots” when advising a financial institution ofyour account details:

• Do not include the ‘S’ type of the account you want credited or debited• Do not use the number on the bottom of your cheque book• Try to avoid using your Visa Card number for direct debits (unless there is no other payment option)

From November 1st, any invalid direct debit and credits received will be returned to the remitter.

If you have a CWCU Visa Debit Card, you’re enjoying a card thatboasts convenience and worldwide accessibility.

But did you know that your card also comes with other great benefits, including the ability to purchase online or over the phone. VISA Debit Cards allow you to draw funds directly from your

transaction account so there are no additional costs or fees fromCWCU when you make a purchase and press “Credit”. Pressing “Credit” means you get enhanced protection andfraud monitoring.

If you’re unsure when you should be pressing ‘Credit’ or ‘Savings’,here are our suggestions for using your Visa Debit Card.

Instore purchases Press CreditATM withdrawal/enquiry Press CreditOverseas purchases Press CreditOverseas ATM Press CreditInstore ‘cash-out’ Press Savings

Press Credit or Savings?

?

SCAMwatch is warning consumers and businessesto be aware of scammers looking to take advantage of

the Carbon Tax repeal to steal your money.

Scammers may take advantage of dollar figures being quoted in thepress about how much consumers may save from changes in theprice of goods following the Carbon Tax repeal. Scammers may callor email consumers and small businesses with false claims that theyare entitled to the money upfront.

Scammers often use major government programs or announcements like the Carbon Tax repeal to trick people into handing over their money or personal banking details. Scammerspretend to be from a government department or agency - or from a business such as an energy provider - to sound legitimate. They may spin a range of stories to make their offer sound real,such as claiming that there is money due because of a tax refund,tax concession, one-off payment, discount, refund or even a bonus.

Scammers typically ask for money to be sent via wire transfer as it’snearly impossible to recover money sent this way. They may alsoask for people’s financial and other personal details to access theirmoney and commit identity theft.

Be on guard. If you are approached in this way, hang up - the person at the other end may be a scammer. The best approach isto call them back on a phone number you find independently.

Learn more about current scams. Go to www.scamwatch.gov.au

NewsCentralCentral West Credit Union Member News Update October 2014

ANNUAL GENERAL MEET ING

The 48th Annual General Meeting of Central West Credit Union Ltdwill be held at 7.00pm on Tuesday 11th November 2014

at the Credit Union’s Head Office at 269 Clarinda Street ParkesA detailed AGM Notice is enclosed

Meet the ‘Pocket Rocket’ Winners

Central West Credit Union staff have once again survived theShow season. Following tradition, the Credit Union sponsored the popular ‘Animal Nursery’ at both the Parkes and Forbes Shows.Much to the children’s delight, staff handed out balloons and lol-lipops while the young ones checked out all the animals.

If you’ve had your home loan for more than 5 years, chances arethat your circumstances and lifestyle will have changed.

If this sounds like you, grab a note book, a coffee and take the timeto look at your current and future circumstances - such as a babyon the way, kids moving out, redundancy or retirement.

These lifestyle changes will help you create a ‘wish list’ for yourhome loan. Items like ‘more flexibility’ or ‘more certainty’ will helpdetermine the features and benefits you’re looking for.

Locate your current home loan contract or ask your financial institution for another copy.

You’ll also need to find your most recent statement and look at things such as:

� The interest rate you’re currently paying

� Type of loan - fixed or variable, interest only, split rate loan

� Fees and charges such as annual fees, redraw fees or

early repayment fees, etc.

� Whether you have features such as an offset account, redraw

facility or any restrictions?

After this, record the details of your loan and then list any changesyou’d like for your new home loan.

What’s a comparison rate?

The comparison rate is a tool that you can use to help identify thetrue cost of the loan. It takes into account the interest rate, as wellas upfront and ongoing fees and charges relating to the loan. Lowfees can really make the difference to your home loan.

Choosing the right home loan - we can help!

With so many loan types to choose from, it’s no wonder people getconfused. Central West Credit Union has a variety of home loanproducts to suit different needs and the professional staff to assistwith all your questions.

Call your local branch today and make an appointment with amember of our friendly lending team.

Proud to be part of the Shows

The best home loansstart with a

wish-list and coffee!

Congratulations to the winners in our draw for an iTunes gift card.They were Jacob Chambers of Parkes and Maddison Nunn ofForbes. If you would like to open a ‘Pocket Rocket’ savings accountfor your child, call into your local branch - it is never to early to setup good savings habits.