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API benefits
Special offers for API members:

• Nil application fee on all personal loans*
• 0.5% pa discount on personal loans (excluding Cake and Eat It loan)
  

Other benefits
Click here to find out about API benefits on Heritage home loans or credit cards.

The small print
Offers are only available to applications lodged in Heritage branches. Please read the guides to Heritage products (available in branch, by phoning 13 14 22 or at www.heritage.com.au) before making any decision about these products. This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs. All loans subject to application and approval, fees, charges and conditions apply. #Application fee on home loan usually $600 and is payable in some circumstances.*Application fee on personal loans normally $105. +At the end of the 12 month period interest rate reverts back to standard rate, currently 16.75% p.a. Available on Visa Classic and Visa Gold, excludes no frills products. ^The 0.1% p.a. term deposit offer applies to current carded rates and excludes the Hot Term Deposit rates. API is an introducer agent of Heritage under the National Consumer Code and receives commission payments of $200 up-front payment and 0.075% p.a. trailer commission on home loans settled, 0.075% p.a. trailer commission on personal loans disbursed, 20% of interchange on VISA Cards and $11 for each newly opened transaction account with a direct pay credit. Information correct as at 1 December 2011 and subject to change without notice. Heritage Bank Limited. ABN 32 087 652 024 AFSL 240984 Australian Credit License 240984.

For more more information contact Heritage Bank on 13 14 22 or visit www.heritage.com.au to find your nearest branch.