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Product Disclosure Statements, Terms and Conditions and Financial Services Guides

What is a Product Disclosure Statement, Terms and Conditions brochure and a Financial Services Guide?

A Product Disclosure Statement (PDS) or Terms and Conditions brochure is a document (or group of documents) which describes a financial product or service, including the features, benefits, cost and risks associated with that product.

This page provides you with access to PDSs or Terms and Conditions which are currently available electronically for products of the Commonwealth Bank Group, along with the relevant Financial Services Guide.

Before you access and read a PDS or Terms and Conditions brochure, you should read the Financial Services Guide (FSG). FSGs are intended to inform you about the product provider and the services they provide, before they provide you with financial advice. Note that some products, such as Home Loans and Credit Cards, do not have a FSG.

Product Categories
Select the product category and locate the product name to view its PDS or Terms and Conditions brochure, or click the link beside it for more information.

Agribusiness Products
Broking Services
Cash Management Products
Credit Cards
CommBiz
CommBiz Markets
Electronic Banking
Foreign Exchange Services Products
Home Loan Accounts
Insurance Products
Investment Products
Personal Lending Products
Risk Management Products
Superannuation Products
Transaction and Savings Accounts

Agribusiness Products top
Financial Services Guide (PDF 59kb)
Agricultural Commodity Risk Management Solutions PDS (PDF 944kb)	More information
Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb)	More information

Broking Services top
Visit the CommSec website for Product Disclosure Statements and Financial Services Guide on Broking Services provided by Commonwealth Securities Limited (CommSec).

Cash Management Products top
Financial Services Guide (PDF 59kb)

Credit Cards top
Credit Cards Conditions of Use effective 01062010
Commonwealth Awards Program Terms and Conditions
Notice of Variation to the Commonwealth Awards Program Terms and Conditions
Gold Credit Card and Platinum Credit Card - Complimentary Insurance and Guaranteed Pricing Cover
Emergency Travel Assistance Terms and Conditions effective 01052010
Platinum Concierge Terms and Conditions effective 01052010
Conditions of Use Business Credit Card
Conditions of Use Personal Liability Business Credit Card

CommBiz top
CommBiz product information including fees and charges (printer friendly version 255kb)	More information
CommBiz product information including fees and charges (full colour version 435kb)	More information

CommBiz Markets top
CommBiz Markets PDS (479kb)	More information

Electronic Banking top
Electronic Banking General Information and Terms and Conditions brochure (PDF 244kb)	More information

Foreign Exchange Services Products top

Financial Services Guide (PDF 59kb)
Currency Enhanced Deposit PDS (PDF 104kb)	More information
Flexible Forward Protector PDS (PDF 101kb)	More information
Flexible Forward Bonus PDS (PDF 127kb)	More information
Flexible Forward Cash Settled PDS (PDF 99kb)	More information
Flexible Forward Collar PDS (PDF 99kb)	More information
Flexible Forward Convertible Knock Out PDS (PDF 151kb)	More information
Flexible Forward Convertible PDS (PDF 131kb)	More information
Flexible Forward Convertible Plus PDS (PDF 104kb)	More information
Flexible Forward PDS (PDF 99kb)	More information
Flexible Forward Double No-Touch PDS (156kb)	More information
Flexible Forward Participating PDS (154kb)	More information
Foreign Currency Account PDS (PDF 703kb)	More information
Foreign Currency Term Deposit PDS (PDF 426kb)	More information
Foreign Exchange PDS (PDF 279kb)	More information
Travellers Cheques (PDF 67kb)	More information

Home Loan Accounts top

Usual Terms and Conditions for Consumer Mortgage Lending (Home Loans, Equity Unlock Loan for Seniors, Viridian Line of Credit and Viridian Addvantage)

Switching Terms and Conditions

Insurance Products top

Brochures and forms
General Insurance Code of Practice

Investment Products top

Financial Services Guide (PDF 59kb)
Cash Deposit Account General Information and Terms & Conditions (PDF 619kb)	More information
Cash Relationship Account PDS (PDF 512kb)
Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb)	More information
Fixed Rate Security Investments (Forward Sales & Compound Forward Sales) PDS (PDF 1mb)	More information
Flexi Bill Solutions for Investors - Investment Boost PDS (PDF 422kb)	More information
Flexi Bill Solutions for Investors - Investment Guarantee PDS (PDF 474kb)	More information
Flexible Forward Convertible Knock Out PDS (PDF 151kb)	More information
Flexi Bill Solutions for Investors - Investment Range PDS (PDF 421kb)	More information
Flexi Bill Solutions for Investors - Investment Reset PDS (PDF 509kb)	More information
Flexi Bill Solutions for Investors - Investor Step PDS (PDF 468kb)	More information
Foreign Currency Account PDS (PDF 703kb)	More information
Foreign Currency Term Deposit PDS (PDF 432kb)	More information
Money Market Call Account General Information and Terms & Conditions (PDF 252kb) Note: The Money Market Call Account has been quarantined as of Monday 20 November 2006. New accounts cannot be opened.	More information
Security Investments - Negotiable Certificates of Deposit (issued by a bank other than Commonwealth Bank of Australia) PDS (PDF 393kb)	More information
Security Investments - Negotiable Certificates of Deposit (issued by Commonwealth Bank of Australia) PDS (PDF 429kb) Security Investments - Bank Bills is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.	More information
Security Investments - Bank Bills PID (PDF 429kb)	More information
Term Deposit General Information and Terms and Conditions	More information
Interest Rates on Investment Accounts

Financial Services Guide

Education Savings Plan PDS	More information
Financial Services Guide (PDF 59kb)
Regular Instalments (IYH Series) PDS (PDF 943kb)
The Options and Lending Facility (PDF 2.64mb)

Visit the CommSec website for more Product Disclosure Statements on other Investment products.

Personal Lending Products

Usual Terms and Conditions for Consumer Lending (Secured, Fixed and Variable Rate Personal Loans and Overdrafts (PDF)

More Information

Risk Management Products top

Financial Services Guide (PDF 59kb)
Agricultural Commodity Risk Management Solutions PDS (PDF 950kb)	More information
Cap Advantage PID (PDF 97kb) Cap Advantage is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.
Principal Range Advantage PID (PDF 98kb) Principal Range Advantage is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.
Range Advantage PID (PDF 98kb) Range Advantage is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.	More information
Flexi Bill Solutions for Investors - Investment Boost PDS (PDF 422kb)	More information
Flexi Bill Solutions for Investors - Investment Guarantee PDS (PDF 474kb)	More information
Flexi Bill Solutions for Investors - Investment Range PDS (PDF 421kb)	More information
Flexi Bill Solutions for Investors - Investment Reset PDS (PDF 509kb)	More information
Flexi Bill Solutions for Investors - Investor Step PDS (PDF 468kb)	More information
Flexible Forward Protector PDS (PDF 101kb)	More information
Flexible Forward Bonus PDS (PDF 133kb)	More information
Flexible Forward Cash Settled PDS (PDF 99kb)	More information
Flexible Forward Collar PDS (PDF 99kb)	More information
Flexible Forward Convertible Knock Out PDS (PDF 151kb)	More information
Flexible Forward Convertible PDS (PDF 131kb)	More information
Flexible Forward Convertible Plus PDS (PDF 104kb)	More information
Flexible Forward PDS (PDF 99kb)	More information
Flexible Forward Double No-Touch PDS (156kb)	More information
Flexible Forward Participating PDS (154kb)	More information
Foreign Exchange PDS (PDF 279kb)	More information

Superannuation Products top

Financial Services Guide
Superannuation Savings Account Product Disclosure Statement (PDS) is provided in 2 parts (Part 1 – General information and Part 2 – Latest interest rates).
Visit the Colonial First State website for Product Disclosure Statements and Financial Services Guide on Superannuation, Pension and Managed Investments products provided by Colonial First State Investments Limited.

More information

Transaction and Savings Accounts top

Financial Services Guide
AwardSaver Account General Information and Terms and Conditions	More information
Transaction Savings and Investment Accounts Terms and Conditions brochure (products or options no longer for sale)
Cash Investment Account General Information and Terms and Conditions	More information
Pensioner Security Account General Information and Terms and Conditions	More information
Savings Investment Account General Information and Terms and Conditions Note: The Savings Investment Account has been quarantined as of Monday 23 April 2007. New accounts cannot be opened.
Streamline Account General Information and Terms and Conditions	More information
YouthSaver General Information and Terms and Conditions	More information
NetBank Saver General Information and Terms and Conditions	More information
Transaction Savings and Investment Accounts Terms and Conditions brochure	More information
Important information for Transaction, Savings and Investment Accounts Terms and Conditions
Interest Rates on Transaction, Savings and Investment Accounts
Business Cheque Account General Information and Terms and Conditions brochure	More information
Visit the Personal Centre website for more Product Disclosure Statements on other Cash Management products or Transaction Products.
First Home Saver Account General Information and Terms and Conditions	More information
First Home Saver Account PDS (PDF 133kb)	More information

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Important information

Important Information

Product Disclosure Statements, Terms and Conditions and Financial Services Guides

Agribusiness Products top

Broking Services top

Cash Management Products top

Credit Cards top

CommBiz top

CommBiz Markets top

Electronic Banking top