Border Bank Intouch

October 2019
Settle in for
SUMMER
a
variable rate 1
3.25%PA
comparison rate 2
3.29%PA
Border Bank Owner Occupied Home Loan
APPLY
save
$545 3
with a waived
establishment fee
A Word from the Chair
Welcome to our final edition of
Intouch for the year.
This year has been very exciting
as we have now grown to have
over 75,000 Members across
the Police Bank family, with
large growth in the Border Bank
brand. We have also developed
our digital capabilities to be able
to offer our Members better
services.
We are currently finalising our
2018/19 annual report. I encourage all our Members to
read this as it highlights all the important milestones and
projects for FY19 and outlines the strategic direction for
this financial year. It will be available in October, on our
spend summer in
your new home!
Apply today!
visit borderbank.com.au/small
website or if you would like hard copy, please feel free to
visit your local branch or call us on 132 267 and we can
post one to you.
In this edition of Intouch you can read about our
involvement with the Australian Border Force
representation in the Australian Police Rugby Union (p2).
We also have some great tips from our financial planning
partners, Bridges, on what you can do with your
superannuation (p2).
VISIT POLICEBANK.COM.AU/SMALL
OR CALL 131 728
On our back page you can read about our upcoming
community events and the winners of our Footy Tipping
competition!
I hope you enjoy reading this edition of Intouch Magazine.
Greg McKenna
Chair

Competing in the Police International Rugby Championships
The Australian Police Rugby Union Association was originally
formed in 1999 to foster relations amongst serving Police
Officers from across Australia. The team began with mostly
NSW Police and Australian Federal Police Officers but in recent
years the association changed its constitution to recognise
Australian Border Force Officers as law enforcement officers.
This enabled ABF officers to be eligible to participate in future
competitions. For the past couple of years, ABF officer Harley
McDonnell has been lucky enough to be selected to play on the
Australian team.
The Australian team travel all across the world from
England, Ireland, Wales and New Zealand to compete against
international police teams.
In September 2019, Harley McDonnell travelled to Hong Kong
to compete in the Police Internal Rugby Championships. Border
Bank was proud to sponsor Harley to assist him with his travel
costs. Harley is pictured (centre) with Border Bank Regional
Managers Tim Mifsud and Gareth Holdom. Good luck to the
Australia team!
What you can do now with your Super?
Consolidate your super funds
How many super funds do you have? If you’ve had more than one job in your life, you
probably have more than one super fund. And, if you have more than one super fund
you are paying more than one set of fees which is reducing your overall super
investment nest egg.
Consolidate your funds and only pay one set of fees.
Consider how your super is invested
Another consideration is how your money is invested. It needs to be
invested in-line with your own personal circumstances.
Generally, the longer the time frame you have until you retire,
the more risky the investments you may want to consider
– such as shares and property. Then, as you move closer to
retirement you may wish to consider moving your investment
to a conservative style of investment, such as cash.
But, everyone is different!
Financial advice makes a difference
Seeking financial advice to help you make the most of your
super is an important investment in your future. Police Bank
have chosen Bridges4 as our preferred Financial Planners.
So, if you need help defining your goals and developing a strategy
to help you achieve your objectives, call us on 132 267 or visit
www.borderbank.com.au and make an appointment with a Bridges
financial planner. The initial consultation is complimentary and
obligation-free.
2

Go on your next holiday sooner with
our discounted personal loan
6.49 %PA
FIXED
RATE 5
6.63 %PA
COMPARISON
RATE 6
Apply today at borderbank.com.au/PL
Available for any worthwhile purpose from
big ticket items to cars, boats & bikes.
How to keep your home secure this holiday season
Even with overall burglary numbers falling, in 2017 over
170,000 Australian homes were burgled 8 . Burglaries often
take place during the day 9 and the summer holiday season,
between December and January, remains the most likely
time for burglars to strike 10,11,12 .
According to research from the NSW Bureau of Crime
Statistics and Research, the most commonly stolen items in
burglaries are those that can be disposed of easily 13 . These
include, (in order) cash, laptops, jewellery, cameras, mobile
phones, wallets/handbags, ID documents (especially credit
cards), TVs, computers or video game consoles, watches,
bank and credit cards, video/DVD players, power tools and
stereo/audio equipment 15 .
Thankfully there are several things you can do to keep these
items - and your home - safer, not only during summer but all
year round. Here are our top tips:
1. Secure your home whenever you leave
Burglars prefer operating in areas they know well and have
operated in before. They also tend to choose areas based on
factors like lack of street activity 14 . When targeting a property,
burglars look at how many valuables might be on display and if
spare keys to the property are hidden carelessly or in obvious
places 14 . For homeowners, keeping valuables and spare keys
safely hidden are two easy steps to avoid unwanted attention
from burglars. Walking around the perimeter of the house and
ensuring valuables are not visible from vantage points, checking
if doors and windows are securely locked, and keeping easy
targets like bikes or garden chairs inside, are all preventative
steps you can take to not attract burglars to your home.
2. Invest in deterrents
Around 61.4% of burglars surveyed as part of the DUMA
program said that a noisy dog would deter them from
attempting a break-in 14 . But if you don’t have a dog, don’t fear:
a functioning alarm system would deter one in two offenders
(49.1%), while sensor lights would stop more than one in five
(22.8%) burglars in their tracks 14 .
3. Maintain your home while on holidays
A home that appears vacant is more attractive to burglars 14 ,
but there are several things you can do to make your home
appear lived in. First, make sure your garden is maintained:
an unkempt yard is an obvious indication that a house may be
empty. Secondly, hide your valuables - including packaging
from Christmas gifts - so as not to advertise the items you have
that are worth stealing. Thirdly, ask a neighbour, trusted friend
or family member to keep an eye on your property while you’re
away and collect your mail and newspapers so they don’t pile
up, indicating an unoccupied home to the burglar.
4. Upgrade your home’s lighting
Motion-activated or timer lighting can make your house look
more ‘lived-in’, whether you’re at home or not 14 , a well-lit
house may act as a deterrent 12 .
Even with all these steps, it is difficult to predict whether a
burglar will be deterred or not. The DUMA program survey
of detainees indicated that some burglars prefer targeting
homes with higher security as a challenge 13 . Should your
home be broken in to the last thing you want to worry about is
whether your insurance is adequate.
Home and contents insurance will normally cover you for home
theft or attempted theft. However, make sure you read the
Product Disclosure Statement to know what you are covered
for and what terms, conditions and limitations apply to your
policy. Before you go away check the conditions of your policy if
your home will be unoccupied – depending on the length of your
absence you may need to contact your insurer.
After Christmas, be sure to review your home and content
insurance in case any new items need to be added to your
policy or you need to increase your sum insureds. Finally,
keep your receipts and valuations in a safe place and be sure
to take photographs of valuable items such as jewellery,
watches and electronic devices which will help should you
need to make a claim.
We have chosen Allianz 7 as our preferred insurer. To discuss
any aspect of your home and contents insurance needs, call
132 267 or visit www.borderbank.com.au.
3

Upcoming Community Events
Border Bank aims to continuously support our Home Affairs community in any way we can. We are very proud to sponsor a
number of events which help build and benefit our community.
NSW Police & Emergency Services Games (19th -24th October 2019) - Wollongong
This sporting event brings together various departments who serve in NSW, including Police, Fire and Rescue, Ambulance
Service, Department of Corrective Services, Australian Protective Services, State Emergency Service, Sheriffs Department,
Rural Fire Service, Australian Federal Police, as well as the Australian Defence Force employees
Participants can compete in more than 43 sports across 6 days for the 33rd annual sporting event! Register today at
www.nswpolicegames.com.au
CONTACT US
132 267
www.borderbank.com.au
info@borderbank.com.au
25 Pelican Street, Surry Hills NSW 2010
CONNECT WITH US
/BorderBankAU
@BorderBankAU
Super Rugby
1st: Jared P.
AFL
1st: Dominic F.
NRL
1st: Shane S.
@BorderBankAU
Police Bank Ltd
2nd: Kirsty H.
2nd: Ronald S.
2nd: Peter C.
3rd: Michael C.
3rd: Lana S.
3rd: Karl R.
Last: Shane H.
4
Important Information
Effective date: 1/10/19. Terms, conditions, fees, charges and lending criteria apply. Interest rate and comparison rates are current as at 1/10/19 and are subject to change. The product issuer for deposit and payment
products is Police Bank Ltd. A Financial Services Guide (FSG) including terms and conditions is available at all Branches, on our website and upon request. Any advice given has not taken into account your personal needs
and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the FSG in deciding whether to use a particular product. Border Bank is a division of Police Bank Ltd, AFSL/
Australian Credit Licence No 240018. ABN 95 087 650 799. 25 Pelican Street, Surry Hills NSW 2010.
1. Terms, conditions, fees, charges and lending criteria apply and are available at www.borderbank.com.au/small. This Home Loan is only available to owner-occupied borrowers who apply between 16/9/19 – 31/12/19
and have their loan funded by 28/02/20. Minimum loan amount is $50,000. Not available for investment purposes or for refinancing of existing Border Bank loans. This Home Loan cannot be taken in conjunction with
any other offer, bonus or discount. This Home Loan cannot be split with a fixed term or any other Border Bank Home Loan product. A maximum Loan Value Ratio (LVR) of 80% including the capitalisation of Mortgage
Protection Insurance applies. This Home Loan is a limited time offer and can be withdrawn at any time. 2. The interest rate and comparison rate is current as at 16/9/19 and is subject to change. The comparison rate is
based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result
in a different comparison rate. 3. This offer is only applicable to single security loans. 4. Bridges Financial Services Pty Ltd (Bridges), ABN 60 003 474 977, ASX Participant, AFSL No 240837, Part of the IOOF group.
Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Please read and consider the PDS in deciding whether to use a
particular product. In referring Members to Bridges, Border Bank does not accept any liability or responsibility for any act or omission or advice provided by Bridges or its Authorised representatives. Bridges pay referral
fees ranging from 0% to 30% of the entry and/or any ongoing fee (plus incentive payments from the amount you pay Bridges). 5. Terms, conditions, fees, charges and lending criteria apply and are available at www.
borderbank.com.au/pl. Minimum loan amount is $5,000. Rates current as at 1/8/19 and are subject to change. This discounted rate is only available for loans applied for and approved from 1/8/19 – 31/10/19. Loan
must be funded within one month of application. This discounted rate is not available in conjunction with any other offer or for refinancing of existing Border Bank loans. We reserve the right to withdraw this offer at any
time. 6. The comparison rate is based on a loan of $30,000 over a 5 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or
other loan amounts might result in a different comparison rate. 7. This insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Police Bank Ltd, AFSL/Australian Credit Licence No
240018 acts as an agent of Allianz and not as your agent. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before
making a decision about this insurance please refer to the relevant Product Disclosure Statement If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details
before we provide you with services. 8. Australian Bureau of Statistics 2018, ‘Lowest number of burglaries since 2010’, 4510.0 - Recorded Crime - Victims, Australia, 28 June 2018, http://www.abs.gov.au/ausstats/abs@.nsf/0/
DA3DED213BAE8114CA257178001B6949?Opendocument, viewed 21 August 2018. 9. Australian Institute of Criminology, ‘Residential burglary’, Effective crime prevention interventions for implementation by local government,
https://aic.gov.au/publications/rpp/rpp120/residential-burglary, viewed 21 August 2018. 10. Hickey P, 2014, ‘Warning over summer crime wave in Perth suburbs’, PerthNow, https://www.perthnow.com.au/news/wa/warning-oversummer-crime-wave-in-perth-suburbs-ng-37944cced73d3cef4670385d3edcfa71,
viewed 28 August, 2018. 11. Arlington, K 2016, ‘Christmas Eve, New Year peak times for property offences, crime statistics show’, The Sydney
Morning Herald, 18 December, https://www.smh.com.au/national/nsw/christmas-eve-new-year-peak-times-for-property-offences-crime-statistics-show-20161215-gtbirf.html, viewed 28 August, 2018. 12. ABC News 2015, ‘Holiday
break-ins: January the worst month for home burglaries, police say’, 7 January, http://www.abc.net.au/news/2015-01-07/january-the-worst-month-for-home-burglaries-in-victoria/6003900, viewed 28 August, 2018. 13. Coghlan S,
Gannoni A, Goldsmid S, Patterson E & Willis M. 2015, Drug use monitoring in Australia: 2013–14 report on drug use among police detainees, Monitoring reports No. 27. Canberra: Australian Institute of Criminology. https://aic.
gov.au/publications/mr/mr27 14. ABC News 2015, ‘Holiday break-ins: January the worst month for home burglaries, police say’, 7 January, http://www.abc.net.au/news/2015-01-07/january-the-worst-month-for-home-burglaries-invictoria/6003900,
viewed 28 August, 2018. 15. Fitzgerald J and Poynton, S 2011, ‘The changing nature of objects stolen in household burglaries’, Crime and Justice Statistics, NSW Bureau of Crime Statistics and Research, Issue
paper no. 62, May 2011, http://www.bocsar.nsw.gov.au/Documents/BB/bb62.pdf, viewed 23 August, 2018.