AUST. COMPETITION MEI,PCI?1RNE

Form G Commonwealth of Australia

FILE No: -

DOC: - MARSIPRISM;

-- -- ---.I- Trade Practices Act 1974 - subsection 93 (1)

NOTIFICATION O F EXCLUSIVE DEALING

To the Australian Competition and Consumer Commission:

Notice is hereby given, in accordance with subsection 93 (1) of the Trade Practices Act 1974, of particulars of conduct or of proposed conduct of a kind referred to subsections 47 (2), (3), (4), (5 ) , (6), (7), (8) or (9) of that Act in which the person giving notice engages or proposes to engage.

PLEASE FOLLOW DIRECTIONS ON BACK OF THIS FORM

1. Applicant

(a) Name of person giving notice:

Mq43535 Members Equity Bank Pty Ltd

ACN 070 887 679

(b) Short description of business carried on by that person:

Financial Services

(c) Address in Australia for service of documents on that person:

C/- The Company Secretary

Level 16,360 Collins Street

Melbourne, Victoria 3000

2. Notified arrangement

(a) Description of the goods or services in relation to the supply or acquisition of which this notice relates:

Savings Accounts, Term Deposits, Transaction Accounts, Credit Cards, Personal Loans, First Home Saver Accounts

(b) Description of the conduct or proposed conduct:

Members Equity Bank will offer a customer preferential interest rates and/or discounted fees in relation to its banking products on the condition that the customer is a member of an eligible superannuation fund or union a t the time of his or her application for the banking product or is a joint account holder with such a person.

Members Equity Bank may refuse to offer a customer preferential interest rates and/or discounted fees in relation to its banking products if the customer is not a member of an eligible superannuation fund or union at the time of his or her application

Page 1 of 4

for the banking product or is not a joint account holder with such a person.

Details of eligible superannuation funds and unions are included in the attached submission.

3. Persons, or classes of persons, affected or likely to be affected by the notified conduct

(a) Class or classes of persons to which the conduct relates:

Customers acquiring banking products

Members Equity Bank Pty Ltd

(b) Number of those persons:

(i) At present time:

Approximately 5 million people may qualify for these products

(ii) Estimated within the next year:

See 3 (b) (i) above

(c) Where number of persons stated in item 3 (b) (i) is less than 50, their names and addresses:

4. Public benefit claims

(a) Arguments in support of notification:

Please refer to Section 3 of the attached submission

(b) Facts and evidence relied upon in support of these claims:

As above

5. Market definition

Provide a description of the market(s) in which the goods or services described at 2 (a) are supplied or acquired and other affected markets including: significant suppliers and acquirers; substitutes available for the relevant goods or services; any restriction on the supply or acquisition of the relevant goods or services (for example geographic or legal restrictions):

Some or all of these products are offered by Banks, Building Societies, Credit Unions, Non-Bank Lenders, and Finance

Companies

Page 2 of 4

6. Public detriments

(a) Detriments to the public resulting or likely to result from the notification, in particular the likely effect of the notified conduct on the prices of the goods or services described at 2 (a) above and the prices of goods or services in other affected markets:

Please refer to Section 3 of the attached submission

(b) Facts and evidence relevant to these detriments:

As above

7. Further information

(a) Name, postal address and contact telephone details of the person authorised to provide additional information in relation to this notification:

Bevan Morris

Level 16,360 Collins Street

Melbourne, Victoria 3000

Dated: Thursday 10 December 2009

Signed bylon ehalf of the applicant 2, 1 1 0 OEC 2G09 1

Nicholas Vamvakas (Full Name)

Members Equity Bank Pty Ltd (Organisation)

Chief Executive Officer - Acting (Position in Organisation)

Page 3 of 4

DIRECTIONS

1. In lodging this form, applicants must include all information, including supporting evidence that they wish the Commission to take into account in assessing their notification.

Where there is insufficient space on this form to furnish the required information, the information is to be shown on separate sheets, numbered consecutively and signed by or on behalf of the applicant.

2. If the notice is given by or on behalf of a corporation, the name of the corporation is to be inserted in item 1 (a), not the name of the person signing the notice, and the notice is to be signed by a person authorised by the corporation to do so.

3. Describe that part of the business of the person giving the notice in the course of the which the conduct is engaged in.

4. If particulars of a condition or of a reason of the type referred to in section 47 of the Trade Practices Act 1974 have been reduced in whole or in part to writing, a copy of the writing is to be provided with the notice.

5. Describe the business or consumers likely to be affected by the conduct.

6. State an estimate of the highest number of persons with whom the entity giving the notice is likely to deal in the course of engaging in the conduct at any time during the next year.

7. Provide details of those public benefits claimed to result or to be likely to result from the proposed conduct including quantification of those benefits where possible.

8. Provide details of the market(s) likely to be affected by the notified conduct, in particular having regard to goods or services that may be substitutes for the good or service that is the subject matter of the notification.

9. Provide details of the detriments to the public which may result from the proposed conduct including quantification of those detriments where possible.

Page 4 of 4

Submission to the Australian Competition and Consumer Commission (ACCC) in

Support of a Notification under Section 93(1) of the Trade Practices Act 1974 (Cth)

1. Introduction

This submission is in support of a notification under section 93(1) of the Trade Practices

Act 1974 (Cth) (TPA) in relation to conduct which possibly falls within sub-sections

47(6) or (7) of the TPA. Accordingly, the relevant test to be applied by the Commission

is set out in sub-section 93(3A) of the TPA, whereby the Commission assesses whether

the public benefits associated with the relevant conduct outweigh any likely public

detriment.

Currently, Members Equity Bank Pty Ltd (ME Bank) offers home loans through

Perpetual Ltd (where ME Bank is mortgage manager) and in its own rights. These home

loans fall into two categories:

(a) home loans, which are available to the general public; and

(b) discounted home loans (DHLs), which are available to persons who meet the

eligibility criteria.

A notification of exclusive dealing in relation to the DHLs offered through Perpetual was

lodged on 23 January 2004 (N3 1273) and in relation to the DHLs offered directly by ME

Bank on 2 May 2008 (N93406). These notifications were allowed to stand and are still in

effect today.

ME Bank now wishes to extend its discounted/preferential product offering to include the

following products ("Banking Products") offered by ME Bank:

(a) Transaction Accounts

(b) Savings Accounts

(c) Term Deposits

(d) First Home Saver Accounts

(e) Credit Cards

(0 Personal Loans

The notified arrangement is ME Bank's offer to give discounted or preferential interest

rates andlor discounted application, transaction, annual, and service fees in relation to the

Banking Products to eligible persons (the "preferential product offering").

As with the DHLs, in order to be eligible for the preferential product offering a customer

must:

(a) be a new or existing customer who is a member of an eligible superannuation

fund at the time of hisher application for one of the Banking Products or a

joint account holder with such a person.

(b) be a new or existing customer who is a member of an eligible union at the

time of hisher application for one of the Banking Products or a joint account

holder with such a person.

Currently, the eligible superannuation funds whose members would qualify for the

preferential product offering are the same as those that qualify for the DHL and are set

out in Attachment A to this submission.

Currently, the eligible unions whose members would qualify for the /preferential product

offering are the same as those that qualify for the DHL and are set out in Attachment B to

this submission.

There are currently approximately 5 million people in Australia who may be eligible for

the preferential product offering. Persons who are not eligible for the preferential product

offering will still be able to apply for any of the Banking Products from ME Bank, the

only difference being that they will not get a preferential interest rate nor discounted fees.

2. Third Line Force

ME Bank's offer to supply the preferential product offering to members of eligible

superannuation funds or unions only (and joint account holders of such persons) or

refusal to offer the preferential product offering to a person who is not a member of an

eligible superannuation fund or union may possibly contravene sub-sections 47 (6) or (7)

of the TPA (notwithstanding that the eligibility is achievable through such a wide range

of unions and superannuation funds.)

The arrangements are nevertheless pro-competitive and there are public benefits arising

from this conduct which will outweigh any possible public detriment.

3. Public Benefit and Lack of Public Detriment

The proposed conduct will have no public detriment. Indeed, it is in fact likely to

increase competition in the provision of products similar to ME Bank's Banking Products

to a great number of Australians who are superannuation fund members or union

members.

Lack of Public Detriment

There are currently a large number of providers of financialhanking products that are

similar to ME Bank's Banking Products. In fact, the market for such products is already

highly competitive. Hence, those persons who are not eligible for the preferential

product offering have a wide variety of alternative products available to them.

Further, the relevant conduct in no way limits the ability of persons to purchase financial

services products from providers other than ME Bank, or the capacity of other financial

services companies and banks to compete against ME Bank in the provision and

marketing of these products.

Public BeneJit

The preferential product offering provides a clear potential benefit to members of eligible

superannuation funds and unions, and their families, as they will be able to obtain

financial services products at a discounted or preferential price.

As stated above, there are approximately 5 million people, from a wide variety of

industries and areas around Australia who would be eligible for this preferential product

offering.

There are many financial services products available currently that offer preferential

pricing to limited classes of persons. For example, American Express offers a Gold

Credit Card to members of the Queensland Law Society (saving them $70 p.a.),

NAB offers all shareholders 0.25% p.a. above the advertised Term Deposit rate for a

selection of Term Deposit terms and HSBC provides 0.30% p.a. discount on Car and

Personal Loan products for members of its corporate HSBC Premier programme.

Examples of these offerings can be found in Attachment C.

There are also many financial institutions that offer financial products at a preferential

price based on the volume of business individuals have with the provider. These

offerings could be viewed as being biased towards suficiently wealthy individuals

whereas ME Bank's preferential product offering is available to a broad cross section of

the Australian public.

The preferential product offering could also encourage further competition from other

financial institutions and thus provide a further public benefit.

Attachment A - List of Eligible Superannuation Funds

Code Super Fund

ACCNTS Accountants Super

AES Australian Enterprise Super

AGEST Australian Government Employees Superannuation Trust

Amcor Superannuation Fund Pty AMCOR Ltd

AMlST Australian Meat Industry Superannuation PIL

ASSET Asset Super

AUS AUSfund

Allied Union Superannuation Trust (Qld)

Australian Super (formally known as AUSSuP ARF and STA)

AUSTSAFE Austsafe Super Fund

AUSWIDE Auswide

AVSUPER AV Super Pty Ltd

AXA HLTH AXA Health

BCC Brisbane City Super Pty Ltd or Brisbane City Council

BUSSQ Building Unions Super Scheme

CARE CARE Superannuation Plan Pty Ltd

CBUS Construction and Building Union Superannuation Fund

Catholic Church Staff Superannuation Fund (SA) - Transferred to CNNGSSF

Part of the BUSS@) Programme

ClSF Coal Industry Superannuation Fund

CLOUGH Clough Superannuation Pty Ltd

CLUB NSW Club Plus Superannuation Pty Ltd

CLUB QLD Club Super

National Nominees Ltd ACF SPEC 'ONNECT Pty Limited

CPSF City of Perth Superannuation Fund

CSF Catholic Superannuation Fund

CSL CSL Superannuation Plan Pty Ltd

CSRF Catholic Superannuation and Retirement Fund (NSWIQld)

CSS Commonwealth Super Scheme (managed by ARIA)

EQUIP

ESI

Equip Super

ESI Super

ESSSuper Emergency Services and State Super

FINSUPER Finsuper (now Australian Super)

FIRST Furniture Industry Retirement and Superannuation Trust

HESTA Health Employees Superannuation Trust Australia

HOSTPLUS Host Plus Superannuation Fund

INTRUST Intrust Super

ISF The Industry Superannuation Fund Pty Ltd

LGS Local Government Superannuation Scheme

Legal Super Pty Ltd

SA Local Government Superannuation Scheme

LUCRF Labour Union Co-operative Retirement Fund

MARS

Media

Maritime Super

Media Super Ltd

MlESF Meat Industry Employees Superannuation Fund

MSF Master Superannuation Fund

MTAASF MTAA Superannuation Fund

MTAWA Motor Trades Association (WA)

NCSF National Catholic Super Fund

NESS New South Wales Electrical Superannuation Scheme

Non-Government Schools Superannuation Fund i ISST

NSF Nationwide Superannuation Fund

NT Government and Public NTGPASS Authorities Employees

Superannuation Scheme

PRIME Prime Super

PSS Public Sector Super Scheme (managed by ARIA)

Public Sector Super Scheme Accumulation Plan (managed by ARIA)

Queensland Coal & Oil Shale QCOSMl Mining Industry Superannuation Ltd

Queensland Independent Education 'IECSS & Care Superannuation Trust

QUAD Quadrant Superannuation Scheme

RBF Retirement Benefits Fund Board

RECR Recruitmentsuper

REISUPER RE1 Superannuation Fund

REST Retail Employees Superannuation Trust

Sisters of Mercy Staff 'OMSSS Superannuation ~ t y ~ t d

Superannuation Plan for Electrical Contractors (QLD)

SST Statewide Superannuation Trust

SUNSUPER Sunsuper Pty Ltd

TACC Tasmanian Automobile Chamber of Commerce (Connected to MTAA Super)

TASPLN Tasplan Super

Telstra

TWUS

Telstra Super

TWU Super Fund

UCS Uniting Church Superannuation Plan Pty Ltd

UNISUPER Uni-Super

VICSUPER VicSuper Pty Ltd

VACC Victorian Automobile Chamber of Commerce (Connected to MTAA Super)

VISION Vision Super Pty Ltd

SUPER

WA Fire Brigade Superannuation Board (FESA)

WA Local Government WALOC Superannuation Plan

WCSP Water Corporation Superannuation Plan

WESTSC Westscheme Pty Ltd

WPSF Western Power Superannuation Fund

Attachment B - List of Eligible Unions

Code Union

AAFEA

ACSA

AEU

AF AP

AFPA

AlMPE

AMOU

AMWU

ANF

ANGEE

Australian Airline Flight Engineers Association

Australian Collieries Staff Association

Australian Education Union

Australian Federation of Air Pilots

Australian Federal Police Association

Australian Institute of Marine and Power Engineers

Australian Licensed Aircraft Engineers Association

Australian Meat Industry Employees Union

Australian Maritime Officers Union

Australian Manufacturing Workers Union

Australian Nursing Federation

Association of Non-Government Education Employees

APESMA Association of Professional Engineers, Scientists and Managers Australia

APFA

ASMOF

ASU

AWG

AWU

BFUE

BLU

BWUVlC

CAOOAA

CEPU

CFMEU

CMAA

CPSU

Australian Professional Footballers Association

Australian Salaried Medical Officers Federation

Australian Services Union

Australian Writers Guild

Australian Workers Union

Bacon Factory Union of Employees

Builders Labourers Union

Blind Workers Union of Victoria

Civil Air Operations Officers Association of Australia

Communications, Electrical and Plumbing Union of Australia

Construction Forestry, Mining and Energy Union

Club Managers Association Australia

Community and Public Sector Union

Electrical Trades Union ETU

FAAA Flight Attendants Association of Australia

FSU Finance Sector Union

HSOA Hospital Salaried Officers Association of Western Australia

HSUA Health Services Union of Australia

IEU lndependent Education Union of Australia

ISSOA WA lndependent Schools Salaried Officers Association of WA

LHMU Liquor, Hospitality and Miscellaneous Workers Union

MEAA Media, Arts and Entertainment Alliance

MSAV Medical Scientists Association of Victoria

MUA Maritime Union of Australia

MUSUA Musicians Union of Australia

NSWNA New South Wales Nurses Association

NSWTF New South Wales Teachers Federation

NTEU National Tertiary Education Union

NUW

PFANZ

PSANSW

PTU

QlEU

QNU

QPSU

QTU

RTBU

SDA

SPA

SSTUWA

TCFUA

m u

National Union of Workers

Police Federation of Australia and New Zealand

Public Service Association of NSW

Public Transport Union

Queensland Independent Education Union

Queensland Nurses Union

Queensland Public Service Union

Queensland Teachers Union

Rail, Tram and Bus Union

Shop Distributive and Allied Employees Union

Salaried Pharmacists Association

State School Teachers Union of WA

Textile, Clothing and Footwear Union of Australia

Transport Workers Union

UClW Union of Christmas Island Workers

UFU United Firefighters Union of Australia

USU Untied Services Union (NSW)

VlEU Victorian Independent Education Union

WAA Wool classers Association of Australia

WAPOUW WA Prison Officers Union of Workers

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