LOAN PROTECTION. FOR PERSONAL AND HOME LOANS. Optional insurance that can help pay your loan if you re unable to work or if you pass away.

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1 LOAN PROTECTION. FOR PERSONAL AND HOME LOANS. Optional insurance that can help pay your loan if you re unable to work or if you pass away.

2 WHAT IS LOAN PROTECTION? You probably wouldn t think twice about insuring your car or home, but have you thought about protecting your most important asset, you? It is insurance which could help pay your loan repayments if you re unable to work or your loan balance if you pass away. Loan protection is available to CommBank Home Loan customers and CommBank Personal Loan customers who are aged between 18 and 54 years, and living in Australia. For a full explanation of the terms and conditions, and to ensure this product is right for you please read the Product Disclosure Statement which can be found at commbank.com.au/personal/insurance/brochures-forms.

3 HOME LOAN PROTECTION Buying a house can be an exciting time in your life, but taking out a Home Loan is also a big commitment. Whether you re purchasing a new home or making an investment, you ll want to ensure you can meet your repayments no matter what happens. If you re unable to work because of an injury, illness or because you lose your job involuntarily, Loan Protection could pay your minimum monthly repayments for up to 12 months until you return to work. If you are diagnosed with a medical trauma*, your cover could pay a lump sum off your loan and in addition, if you pass away it could pay off your whole loan helping reduce the burden on your loved ones. Benefit Cover if Pays Unemployment Disability Trauma* Terminal Illness & Death You lose your job involuntarily You re unable to work due to injury or illness You have a heart attack, stroke, coronary bypass surgery or are diagnosed with cancer You pass away or are diagnosed with less than 24 months to live Your loan repayments for up to 12 months or until you return to work 10% of your opening loan balance Your whole outstanding loan balance Ask us how we can help protect you with Loan Protection. We can personalise your policy and provide a premium estimate that you feel best meets your needs. We don t ask any medical questions and there are no lengthy forms to fill in. *Trauma cover conditions, such as heart attack and cancer, have specific meanings, and a benefit is only payable if you meet the precise meaning of the definitions set out in the Home Loan Protection Medical Definitions Reference Guide, which you can find at commbank.com.au/lpd.

4 PERSONAL LOAN PROTECTION A personal loan can help you realise some of your dreams like a new car, travelling or perhaps start a new project. Whatever you have in mind you ll want to ensure you also have a plan to meet your repayments no matter what happens. If you re unable to work because of an injury, illness or because you lose your job involuntarily, Loan Protection could pay your minimum monthly repayments for up to 12 months until you return to work. In addition, if you are diagnosed with a medical trauma* or if you pass away it could pay off your whole loan. Benefit Cover if Pays Unemployment Disability Trauma*, Terminal Illness & Death You lose your job involuntarily You re unable to work due to injury or illness You have a heart attack, stroke, coronary bypass surgery, are diagnosed with cancer or less than 24 months to live or you pass away. Your loan repayments for up to 12 months or until you return to work Your whole outstanding loan balance. A Personal Loan Protection policy costs just $25 per month. We don t ask any medical questions and there are no lengthy forms to fill in. *Trauma cover conditions, such as heart attack and cancer, have specific meanings, and a benefit is only payable if you meet the precise meaning of the definitions set out in the Personal Loan Protection Medical Definitions Reference Guide, which you can find at commbank.com.au/lpd.

5 APPLYING IS EASY Complete an application: at any CommBank branch over the phone, call in the CommBank app or in the offers and apply tab in NetBank. Speak to us: In branch Call: (8.00am to 8.00pm, 7 days) Visit: commbank.com.au/loanprotection Things to know before you Can: This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness to your circumstances. This information is provided by CMLA and where we refer to we and our, we mean CMLA. Loan Protection is issued by The Colonial Mutual Life Assurance Society Limited ABN AFSL (CMLA) and is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN A Product Disclosure Statement (PDS) for Loan Protection is available online, from any Commonwealth Bank branch or by calling and should be considered in making any decision about Loan Protection. You can also download a Financial Services Guide (FSG). CBA