This branch is closing, but your bank is always open - Our Buderim branch is closing on Friday 31 July 2020

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This branch
 is closing, but
 your bank is
 always open

Our Buderim branch is
closing on Friday 31 July 2020

This booklet explains reasons for
the closure, and alternative ways
to bank with Heritage.

  Talk to us today.
This branch is closing, but your
bank is always open

At Heritage Bank we sincerely value our branch network
and the dedicated teams who work within it, which is
why we’re sorry to pass on the news that the Buderim
branch is closing.

We know the branch has been convenient for you and
we will do everything we can to help you manage this
change, and transition to other services with as little
disruption as possible.

This brochure will help you understand how we’ve
come to the decision to close the Buderim branch. It will
also explain the banking services and support that are
available to you in the lead up to the closure on Friday,
31 July 2020.

In a second digital brochure, which will be available
online in August at heritage.com.au/buderimclosure,
we’ll share feedback and concerns we received from the
local community. We’ll also detail how we are helping
members transition from using the Buderim branch to
alternative banking services.

If you would like to contribute feedback please contact us
via email to feedback@heritage.com.au.

Proposals to close any Heritage Bank branch are made by the Heritage leadership
teams and verified at a Board level before closure announcements are made. If you
have questions, concerns or feedback about this decision please get in touch with us via
email to feedback@heritage.com.au.

2 Branch closure
Why the Buderim branch is
closing

Before we make the decision to close any branch, we
think carefully about how it has been used in the past
and what will serve our members best in the future. We
then consider the availability of other branches nearby
and whether we can offer similar services from those
locations.

We spent a significant amount of time reviewing the
Buderim branch and found that:
•     The number of in-branch transactions has been
      declining over the past several years, and continues
      to drop as shown in the table below.
•     More than 76% of our members also use other
      services such as internet and phone banking. The
      number of members using alternative banking
      services continues to increase.
•     Less than 250 members use this branch exclusively
      for their banking. We have made it a priority to
      support these members in transitioning to other
      services.
•     Our lease at Buderim is coming to an end. Given the
      decline in branch activity and the change in member
      behaviour over recent years, we are unable to
      commit to a further 5 year lease.

                          Counter                      ATM
Average monthly
                       transactions                transactions
    Dec16 to Feb17          1457                        1137
    Dec19 to Feb20          1068                         870
       Variance            -36%                        -31%

                        Providing alternative ways to bank with Heritage 3
Other places you can bank locally

We understand it’s important to have banking facilities
in your local community. There are a number of ATMs,
Post Offices and Heritage Bank branches nearby that will
allow you to keep banking close to home. Our nearby
branches are ready to welcome you.

    Maroochydore              Kawana               Palmwoods

 Shop 35/36, Big Top     Shop 358, Kawana
                                                   Shops 1-2,
   Shopping Centre        Shoppingworld
                                                Palmwoods Plaza,
 12-20 Ocean Street     Cnr Point Cartwright
                                                 Margaret Street
    Maroochydore        Drive & Nicklin Way
                                                   Palmwoods
      QLD 4558            Kawana Waters
                                                    QLD 4555
                             QLD 4575
    07 5399 8010                                 07 5399 8070
                           07 5399 8020
 8.0km from Buderim                               13.2km from
                           10.4km from
                                                    Buderim
                             Buderim

 Mon: 9am – 4:30pm      Mon: 9am – 4:30pm      Mon: 9am – 4:30pm

 Tues: 9am – 4:30pm     Tues: 9am – 4:30pm     Tues: 9am – 4:30pm

 Wed: 9am – 4:30pm      Wed: 9am – 4:30pm      Wed: 9am – 4:30pm

 Thur: 9am – 4:30pm     Thur: 9am – 4:30pm     Thur: 9am – 4:30pm

    Fri: 9am – 5pm        Fri: 9am – 5pm         Fri: 9am – 5pm

       Sat: Closed          Sat: Closed            Sat: Closed

      Sun: Closed           Sun: Closed            Sun: Closed

           ATM                   ATM                     ATM
        Smart ATM         Business Banking       Business Banking
      Coin Counter        Financial Planning     Financial Planning
    Internet Banking          Insurances              Insurances
           kiosk             Investments             Investments
   Business Banking           Mortgages               Mortgages
   Financial Planning      Personal lending       Personal lending
        Insurances         Foreign Currency       Foreign Currency
       Investments      Transaction accounts   Transaction accounts
        Mortgages          Disabled access         Disabled access
    Personal lending
    Foreign Currency
 Transaction accounts
     Disabled access

4 Branch closure
Nearby Post Offices with Bank@Post facilities

                                  Sippy Downs
  Buderim Post Shop                                       Maroochydore BC
                                   Post Shop

   Buderim Central                Chancellor
   Shopping Centre               Marketplace
                                                              Shop 105,
       Shop 7,                     Shop 20,
                                                            32 Wises Road
  7-15 Lindsay Road            18 University Way
                                                          Buderim QLD 4556
  Buderim QLD 4556               Sippy Downs
                                  QLD 4556

       9am – 5pm                   9am – 5pm                  9am – 5pm
        Mon to Fri                  Mon to Fri                 Mon to Fri
       Closed Sat                  Closed Sat                  Closed Sat
       Closed Sun                  Closed Sun                  Closed Sun

Nearby ATMs

          Name                       Address               Fee Information*

                                   Shop 4B,
     Bendigo Bank              72 Burnett Street            Fees may apply
                              Buderim QLD 4556

                              3/61 Burnett Street        Fee-free for Heritage
           NAB
                              Buderim QLD 4556              Bank members

                               72 Burnett Street         Fee-free for Heritage
 Commonwealth Bank
                              Buderim QLD 4556              Bank members

                                 83 Mill Road
   Buderim Park IGA                                         Fees may apply
                              Buderim QLD 4556

                               40 Burnett Street         Fee-free for Heritage
           ANZ
                              Buderim QLD 4556              Bank members

                               66 Burnett Street
         rediATM                                            Fees may apply
                              Buderim QLD 4556

                               58 Burnett Street         Fee-free for Heritage
         Westpac
                              Buderim QLD 4556              Bank members

*Always check the ATM screen before proceeding.

                                 Providing alternative ways to bank with Heritage 5
Ways to bank

Now more than ever, members are embracing new
technologies to make their everyday banking easier.
These are some of the many convenient ways you can
continue to bank with Heritage. We know some of these
services may be new to you, so feel free to visit us in
branch for an in-person demonstration and support to
help you get started.

Heritage Online
Internet banking is the fast, convenient way to complete
transactions and manage your money. Schedule
payments, transfer funds, view or download your
transaction history, activate a card or update your
notification settings anywhere, anytime. By registering
for internet banking you will also be able to download
and use our Mobile Banking App. To get started with
Heritage Online, call us on 13 14 22 or visit your nearest
branch.

Mobile Banking App
Find a Heritage branch or ATM, check your accounts,
transfer funds or pay a bill while you’re out and about
with the free Heritage iPhone®, iPad® and Android
mobile apps. If you’re already registered for internet
banking, simply download the App and use your existing
member number and password to log in. If you’re not
registered for internet banking yet, we’d be happy to help
you. Call us on 13 14 22 or visit your nearest branch.

6 Branch closure
Phone Banking
Phone banking allows you to perform basic transactions
over the phone for the cost of a local phone call.*
Transfer funds, pay bills, activate cards, get account
balances and perform general enquiries 24 hours a day, 7
days a week simply by calling 13 14 22 and selecting
option 1 from any touchtone telephone. Registering for
phone banking is simple. Call us on 13 14 22 or visit your
nearest branch.
*Higher charges may apply from mobile phones or for international calls.

SMS & Email Alerts
Stay up to date with significant transactions taking place
on your account with convenient SMS and email alerts.
For example, you can set up an alert to let you know
whenever a Visa Authorisation for more than $500 is
processed, or when the balance of your transaction
account falls below $10. You can choose the notifications
that matter to you, and even specify what time of day
you’d prefer to receive alerts. Email alerts are free. SMS
alerts are $0.25 per SMS sent.

Digital payments
Heritage offers a number of contactless digital payment
solutions, making it easier for you to tap-and-go without
having to handle cash or use your Visa debit or credit
card. Visit heritage.com.au/waystobank to explore the
full range of payment options.

If you need support to get started with any of these
services please visit us in branch , call 13 14 22 or go to
heritage.com.au/waystobank. We are here to help.

                                   Providing alternative ways to bank with Heritage 7
24/7 Contact Centre
 We recently extended the operating hours of our
 Queensland-based Contact Centre, which is now staffed
 24 hours a day, 7 days a week. Whether you need help
 with a Heritage product or service, or have a query about
 your accounts, our friendly team is ready to take your call.

Talk to us today
       Drop into your nearest Heritage branch

       Visit heritage.com.au/buderimclosure

       Call 13 14 22 (24/7, Qld-based)

       Email feedback@heritage.com.au

This environmentally responsible brochure is printed using vegetable based inks on a paper that is
produced using only sustainable resources under the guide of Responsible Forestry Practices. This paper
is endorsed by the Forest Stewardship Council, is elemental chlorine free, and is manufactured under
Environmental Management System ISO 14001.

       Talk to us today.

        Heritage Bank Limited. ABN 32 087 652 024. AFSL and Australian Credit Licence 240984.
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