QT Mutual Bank ABN 83 087 651 054 (QTMB) AFS Licence No. 241195 acts under its own Australian Financial Services Licence and under an agreement with the insurer, CGU Insurance Limited ABN 27 004 478 371 (CGU) AFSL 238291. CGU First Choice Home and Contents Insurance, Landlords Residential Property Insurance, Car Insurance, Motorbike, Caravan and Boat Insurance and Travel Insurance are issued by CGU. This is general advice and does not take into account your objectives, financial situation or needs ( your “personal circumstances”). You can get a Product Disclosure Statement (PDS) for any of these products from any office of QTMB or CGU. Before acting on this information, consider whether it is right for you. You should read the relevant PDS before making a decision.