Zest Terms & Conditions
Terms and Conditions
Membership
Membership of the Zest Financial and Lifestyle Program (‘Zest’) is open to existing, fully paid members of QT Mutual Bank Limited (‘QTMB’) who are 50 years of age or older and who pay the Zest Fees. Members can terminate their membership of the program at any time by notifying QTMB in writing. Where this occurs, QTMB is not obliged to refund any part of the Zest Fees.
Zest Benefits
As at the date of this application, the benefits that Zest members can receive (‘Zest Benefits’) include the following:
- an additional 0.05% per annum on the interest rates that are included in QTMB’s standard Interest Rate Schedule for term deposit and cash management accounts. Eligibility for the term deposit additional interest rate will take effect from the commencement or rollover of a term deposit;
- an initial consultation with QTMB Financial Planning Pty Ltd at no cost. Any personal advice you require must be documented in a personal financial plan (a ‘statement of advice’) for which fees apply. A discount of $100 from the total cost of preparing a statement of advice, will be available to Zest members;
- a 20 % discount from the walk in rate for travel insurance available through Diploma Travel that is arranged and managed by Cerberus Special Risks Pty Ltd(ABN 81115932173 AFS Licence 308461 and underwritten by certain underwriters at Lloyds). Also, a refund of Australian Passenger Movement Tax paid when you book travel with Diploma Travel. In the case of group bookings, both the travel insurance discount and Australian Passenger Movement Tax refund will apply to individuals who are Zest members only.
- the Frequent Values Card. The card is subject to the terms and conditions on www.frequentvalues.com.au. Members should note that the frequent values card cannot be used as a form of identification at a QTMB Branch and is not a credit or charge card.
QTMB reserves the right to alter or withdraw all or any part of the Zest Benefits at any time. Zest Benefits are only available to members who have paid the Zest Fees and Zest Benefits will be forfeited if the Zest Fees are not paid.
Zest Fees
As at the date of this application, the Zest Fees consist of a $20 annual membership fee. The Zest membership fee will be debited annually from the Member’s nominated QTMB account at the beginning of the next calendar month following an application being made to join Zest. QTMB reserves the right to change the Zest Fee at any time.
Zest Terms and Conditions
QTMB reserves the right to alter any of the terms and conditions for Zest at any time. You should check the current terms and conditions at any particular time, as no other notice will be given.
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