Promotion name

“Charlestown Branch - Reverse House Warming Gift” Promotion (“Promotion”).

Promoter

Teachers Mutual Bank and Health Professionals Bank, each a division of Teachers Mutual Bank Limited

ABN 30 087 650 459, AFSL/Australian credit licence 238981

28-38 Powell Street, Homebush NSW 2140,

(“Promoter”, “we”, “us”, “our”).

Authority number

Not applicable.

Promotion Period

The Promotion commences at:

Start date and time: 31 March 2025 at 9:00 am AEDT,

and ends at:

End date and time: The earlier of 18 April 2025 at 5.00 pm AEST, and when the last of the 95 prizes has been distributed,

(“Promotion Period”).

Eligible entrants

Entry is open to: Citizens or permanent residents of Australia who are current or retired employees in the Australian education sector or Australian health sector or are customers or family members of customers of either Teachers Mutual Bank or Health Professionals Bank.

Each person who wishes to enter the Promotion must provide the Promotor with evidence satisfactory to the Promotor confirming eligibility when requested.

Directors, employees and Advisory Committee members of the Promoter; and retailers, suppliers, associated entities and agencies associated with the Promotion; and their immediate families (i.e. their spouse, de facto, children, step-children, grandchildren, step-grandchildren, parents, grandparents and siblings), are ineligible to enter.

How to enter

To enter the Promotion, an eligible entrant (defined above) must, during the Promotion Period, visit the Promoter’s Charlestown branch at:

Level 2, Charlestown Square Shopping Centre, 30 Pearson Street, Charlestown, NSW (next to Myer on Level 2 of the Charlestown Square Shopping Centre),

and complete a “home loan heath check” with the Promotor, which consists of a 20-30 minute interview and assessment with an appropriately trained employee of the Promotor in relation to the entrant’s suitability for a home loan with the Promotor.

The “home loan heath check” is free and does not involve any obligation to take out a home loan or acquire any other product or service. Personal information will be collected from entrants to complete “home loan heath checks”.

After conducting the “home loan health check”, the Promoter’s employee will hand the entrant a voucher that allows the entrant to participate in a prize draw at the Promotion booth located within the Charlestown Square Shopping Centre (on Level1 near Rebel Sport) (“Voucher”) during the Promotion Period.

At the Promotion booth, the entrant must hand the Voucher they received to an employee or other representative of the Promotor who will then arrange for the entrant to randomly draw a concealed Charlestown Square Gift Card from a box of Gift Cards in a blind “lucky dip” manner (i.e. the entrant will not be able to see the value of the card they are picking).

Vouchers cannot be redeemed after the end of the Promotion Period, irrespective of whether or not all Gift Cards have been distributed by that time.

Vouchers are not transferrable or redeemable for cash.

Maximum number of entries permitted

There is a limit of one entry per eligible entrant.

Prizes

There are 95 prizes in total comprising 95 Charlestown Square Gift Cards of different values, as follows:

A Gift Card concealed in a box of Gift Cards will be selected randomly by the entrant in a blind “lucky dip” manner (i.e. the entrant will not be able to see the value of the card they are picking).

Gift Cards will be selected randomly on a “first come, first served” basis until all 95 Gift Cards have been distributed or the Promotion Period otherwise ends. Vouchers cannot be redeemed after the end of the Promotion Period, irrespective of whether or not all Gift Cards have been distributed by that time.

Charlestown Square Gift Cards can be used just like a debit card in any store in the Charlestown Square Shopping Centre, either in-store or online. The Gift Cards are valid until the expiry date specified on the card or by the issuer of the card, and must be redeemed before the expiry date. Gift Cards expire on, and cannot be redeemed after, their expiry date.

The Promoter will not be responsible for any Gift Card that is lost or stolen, or expires before being redeemed.

Prizes are not redeemable for cash.

Prize value

The aggregate value of all prizes is $5,000.

Prize draws

At the Promotion booth, the entrant must hand the Voucher they received to an employee or other representative of the Promotor who will then arrange for the entrant to randomly draw a concealed Charlestown Square Gift Card from a box of Gift Cards in a blind “lucky dip” manner (i.e. the entrant will not be able to see the value of the card they are picking).

Prize claim period

Vouchers cannot be redeemed after the end of the Promotion Period, irrespective of whether or not all Gift Cards have been distributed by that time.

Feedback, complaints and Dispute resolution

Disputes or queries concerning the conduct of the Promotion or claiming of a prize can be raised by contacting the Promotor:

By post: Complaints, PO Box 7501, Silverwater, NSW 2128

By telephone: 1800 862 265 during normal business hours

By email: [email protected]

By webchat: in Internet Banking

In person: by visiting our Head Office or any of our branches.

The Promoter will endeavour to address any concerns as quickly as possible, and in the event any dispute takes longer than 7 days to investigate or resolve, will keep the other party regularly updated. Further information about the Promotor’s feedback, complaints and dispute resolution process is available on the Promotor’s website at: www.tmbl.com.au/complaints or www.hpbank,com.au/complaints.

Other

Gift card expiry dates - Gift cards awarded as prizes have expiry dates. If a Gift Card is not used by the expiry date, it cannot subsequently be used and will not be reissued. The Promotor has no responsibility or liability for lost, stolen or expired Gift Cards.

Issuer terms and conditions - The prizes are subject to the terms and conditions of the card issuer. The Promoter is not responsible or liable for any loss, damage or injury suffered by any entrant arising from, or in connection with, any prize or the conduct of the card issuer.