We exist for you. Hence our name. In a nutshell, we're here to make life easier by offering you a good place to make the most of your money, easily. So if you like the idea of fairer banking and being able to talk to someone 24/7, then you just might like UBank.

We're developed and backed by the financial strength and global capabilities of NAB - one of Australia's most established banks. So we're here for the long term.

Although we're part of the National Australia Bank our ideas, our people, our philosophy and our brand are uniquely UBank.

We don't use a branch network, so you can't 'walk in' to a branch. Instead, you can contact us online or get friendly service over the phone from a real person, 24/7. All of this means lower operating costs - and we simply pass these savings on to you through our highly competitive rates.

Call or write to us, and of course we'll try to resolve your issue ASAP:

• Speak to a real person anytime on 13 30 80.
• Write to us at:
  UBank PO Box 1466
  North Sydney NSW 2059
• Email us at hello@ubank.com.au
• Login to your account and send us a secure message

If we are unable to resolve your complaint to your satisfaction, you can seek assistance from the Financial Ombudsman Service (FOS).

The FOS's contact details are as follows:
Financial Ombudsman Service
GPO Box 3 Melbourne Victoria 3001
Telephone: 1300 78 08 08
Fax:(03) 9613 6399
fos.org.au

UBank is a division of the National Australia Bank Limited and operates under its ABN 12 004 044 937.

UBank is a division of the National Australia Bank Limited and operates under National Australia Bank Limited AFSL 230686.

BSB 082991.

We realise that it's not just what we say, but what we actually do, that will make us different. So here's what we guarantee every time you bank with us:

• Highly competitive rates with no hidden agendas. The rate you see is the rate you get.
• We'll always be upfront about fees, warn you about them whenever we can, and keep them to a minimum.
• We'll be open and transparent. For example, we'll even show you competitor rates so you can compare for yourself.
• We've made applying easy - online or over the phone, 24 hours a day. Or simply fill in a application form available from our website at ubank.com.au, print it out and send it to us.
• When you talk to us, you'll talk to a real person - not a machine. And we're here for you 24/7, all year round.
• We will never take you for granted and make sure you always feel a little bit special - not just when you join us, but for staying with us too.
• We'll treat you like a real person, not an account number.

Our Direct Banking Centre is located in Sydney, Australia and never closes. You can call anytime and talk to a real person. Call us on 13 30 80.

We are part of the National Australia Bank.

NAB is a very secure, profitable organisation. Even without this government intervention, NAB customers can be rest assured that our company is both highly regulated and financially stable.

It is one of just four banks in Australia to hold an AA rating for its high level of financial security, and under Australia Prudential Regulatory Authority (APRA) regulations, it ensures that it has the money available to cover customer deposits.