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Personal Finance > Home loans > Home loan products > NAB Choice Package > Disclaimers

Disclaimers

  1. For existing customers taking out another product or service under their current package agreement dated prior to 1 April 1998 the annual package fee will be paid in arrears. For packages entered into after 1 April 1998, the annual package fee is charged in advance. The current annual package fee as at 20 August 2001 is $375 but may be subject to change.

  2. NAB Financial Planners are Representatives of National Australia Bank Limited ABN 12 004 044 937 Australian Financial Services Licensee No: 230686 Level 24, 500 Bourke St, Melbourne VIC 3000. These and other representatives may receive commission for business introduced to the National group of companies.

  3. The preferential pricing does not apply to the National Private Bank's financial planning specialists (referred to as Senior Managers Financial Planning or National Private Bankers).

  4. To earn points using your NAB Qantas Credit Card account, you must be a member of the Qantas frequent Flyer program. A joining fee applies. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. For more information visit qantas.com/frequentflyer.

  5. The annual percentage rate savings are current as at 1 August 2005 and may be subject to change.

  6. This bonus is not available in conjunction with any other special offers or special NAB Term Deposits, including National Blackboard, NAB Term Deposit "Trade Up", or on negotiated term deposits.

  7. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and purchases of travellers cheques) or when a NAB Gold Rewards Credit Card is used as a debit card to access linked accounts or transactions NAB decide are wholly or partly for a business purpose.  Also excludes fees and charges (including government fees and charges), interest charges, transactions which are disputed, fraudulent or involve abuse of your NAB Gold Rewards Credit Card account, payments, and purchases which are refunded or reimbursed. 

  8. Waiver of the annual fee is limited to one credit card account annual fee per individual attached to the package. This benefit applies only to individuals.

  9. Personal Protection Portfolio is issued and administered by MLC Limited (MLC) ABN 90 000 000 402 of 105-153 Miller St, North Sydney, a registered life company. Neither National Australia Bank Limited, nor any other company in the National Australia Group of companies, with the exception of MLC as insurer, guarantees or accepts liability in respect of  Personal Protection Portfolio. Applications for insurance are subject to acceptance by MLC and must be made by completing the Application Form in the current Customer Information Brochure for the Personal Protection Portfolio.

  10. NAB Home Insurance and NAB Residential Investor Insurance are arranged by National Australia Financial Management Limited ABN 56 000 176 116 of 342 Flinders Street, Melbourne (NAFM) as agent for Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). Neither National Australia Bank Limited, nor any other company in the National Australia Group, including NAFM, guarantees or accepts liability in respect of NAB Insurances. In arranging this insurance NAFM does not act as your agent.

  11. Velocity Membership and Points redemption are subject to Velocity Terms and Conditions. Velocity Program is operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.

The information in this web site is current as at 1 August 2005 and is subject to change.