PrimaryAdvantage
a benefit for HCN's customers

Being a customer of HCN means that you are able to benefit from the advantage that the buying power of the group brings.

Set out below are a number of offerings that may provide you with an opportunity to save money. Simply identify yourself as an HCN customer.

Please note that neither HCN nor any other entity in the Primary Health Care Group makes any recommendation on the suitability of these products and services. The decision to utilise any of these services is yours. Please refer to Important Information at the end of this page.

National Australia Bank

• Discounted home & investment loans
• Discounted car leases
• Discounted equipment leases

NAB is offering HCN customers discounted rates on loans and leases, undercutting the Standard Variable and Fixed Rate loans of the major banks and loan providers, typically by between 0.5% - 1.0% (i.e a $500 - $1,000 discount each year for every $100,000 of a loan). This discounted rate applies to home or investment loans.

The discount applies to new loans and to refinancing of any existing loans. NAB have nearly always been able to offer a lower interest rate to doctors of the Primary Group than they could source themselves.

The service provided by NAB is a personalised one, where they will come to you, giving you the benefit of ease of dealing as well as a highly competitive interest rate.

Call Stephen Foley of the NAB and compare.

HCF
Private Health Insurance

HCF provides private health insurance. With effect 1 April 2006 HCF has agreed to provide its full range of products at discounted rates for HCN customers.

Key features of this offer include:

• 8% discount on rates ( - saving you $240 each year on a HCF's Hospital & Extras cover)
• Immediate cover on services usually requiring a 6month waiting period
• No hospital excess for accidents and day surgery
• Medical gap cover included in all hospital cover
• "No Gap" services at HCF Dental & Eyecare Centres
  
  http://www.hcf.com.au/homepage.asp?agentIDLogin=R20781

HCF
Income Protection Cover

What happens if you are unable to work due to sickness or injury?

HCF are able to offer cost effective Income Protection Insurance - you can be covered for 75% of your average monthly earnings over the prior 12 months, to a maximum of $20,000 month.

Calculate a quote on line now

http://www.hcf.com.au/Products/IPC_primaryadvantage.asp

Discounted Insurance Policies

Affinity Risk Partners are able to provide a range of insurance policies for you and your family, including multiple policy discounts and a personalised service.

Examples of their product range include:

• Car insurance, offering a choice of products including one tailored for prestige vehicles with the following features:
  • Lifetime protection of your maximum No Claim Bonus
  • Low kilometre discounts
  • Replacement with new vehicle if your car is less than 2 years of its original registration
  • Hire car cover in the event your car is stolen
  • Choice of repairer
   
  
• House & Contents, offering a choice of policies including Accidental Damage and Insured Events including the following features:
  • Cover for surgical equipment
  • Temporary accommodation in the event your home is uninhabitable
  • Replacement of locks on your home if your keys are stolen
  • Cover for visitors belongings
  • Cover for veterinary expenses
  • Temporary removal of your contents
  • Options to include personal property
   
  
• Personal Accident & Illness insurance:
  • Payment of weekly benefits if you are unable to work
  • Ppayment of a lump sum if you are totally and permanently injured
  • Medical expenses
  • Rehabilitation costs

Investment Advice
UBS Wealth Management

UBS Wealth Management provides investment advice to individuals.

Following the establishment of a relationship with UBS, customers of UBS are able to access their advice and expertise.

The features of the UBS offering include:

• Independent advice, covering all the major investment markets, taking into account your personal circumstances and objectives;
• A close association with UBS Investment Bank delivers clients access to company floats, capital raisings and special offers;
• Portfolio advice supported by the UBS research team.

UBS are able to provide you with assistance in starting an investment portfolio, managing your existing share portfolio, establishing or running your Self Managed Superannuation Fund, or reviewing your current investment holding structures. If you would like to discuss your investment options, contact the following UBS representatives:

Important information: PrimaryAdvantage is the brand name of the Benefits Program of Idameneo (No. 123) Pty Ltd ("Primary"). The product and service offerings outlined on this page and any attached documents are provided by the companies identified. HCN is acting only as a referrer for these products and services and no advice, recommendation or opinion is provided by HCN (or any other entity in the Primary Group) in relation to any such product or service. HCN is not licensed under the Corporations Act to provide these products or services or provide any financial product advice. Any financial product advice contained in this Newsletter and the attached documents has been provided by the companies identified, and not by HCN (or any other entity in the Primary Group), is general in nature and is not based on any consideration of your objectives, financial situation or needs. Because of this, before making any decision you should read the Product Disclosure Statement (PDS) of each relevant supplier.

The Primary Group receives revenue on activity generated as a result of this benefits program, at rates of between 0.5% - 25% of the transaction value, varying by product offering, volume of transactions and varying over time. Additional details are available from Primary.

Offers under the PrimaryAdvantage program are updated from time to time. Previous offers made that are not included within this update are withdrawn.