Ubank – Win mortgage paid for a year, plus $500 Eftpos cards in some states

Entry is open to all natural persons who are residents of Australia (aged 18 years or
over). However, employees and their immediate families of Pulse Communications
PTY LTD, National Australia Bank Limited (NAB), Salmat Digital Pty Limited and their
associated agencies and companies are not eligible to enter.

The competition will be advertised on www.ubank.com.au, facebook.com/ubank, radio
and online.
5. In order to be eligible for a Minor Prize, an Entry Prize or the Major Prize, entrants
must:
a. enter physically at a Competition Location in accordance with clause 6, 7 and
8; or
b. enter online in accordance with clause 9 and 10.

Physical entry at Competition Location
6. To enter physically, entrants must:
a. attend a Competition Location described in clause 21; and
b. register their details during the Promotion Period via an online App form,
including but not limited to full name, address, telephone number, email
address and whether they have an existing UBank home loan; and
c. at NAB’s direction (or that of NAB’s agent), the entrant shall select a key from
a chain with ten keys at the Competition Location; and
d. once the entrant has selected their key, they will be required to try to open the
green door located at the Competition Location.
7. If an entrant enters physically at the Competition Location in accordance with clause
6 and they are one of the first five entrants at that particular Competition Location that
day who opens the door with the key they selected, then the entrant will be deemed a
winner of a Minor Prize (as described in clause 11).
8. If an entrant enters physically at the Competition Location in accordance with clause
6 and opens the door with the key they selected but are not one of the first five
entrants at that particular Competition Location that day who opens the door, then the
entrant will be deemed a winner of an Entry Prize (as described in clause 12).
Online entry
9. Australian residents can enter this competition online via UBank’s facebook page
(www.facebook.com/ubank). To enter, entrants must:
a. “like” UBank’s facebook page; and
b. fill in their details (full name, address, telephone number, email address and
whether they have an existing UBank home loan;
c. choose a key and once the entrant has selected their key, try to open the
green door located on UBank’s facebook page.
10. If an entrant enters online in accordance with clause 9 and they opens the door with
the key they selected, then the entrant will be deemed a winner of an Entry Prize (as
described in clause 12).
Minor Prize
11. There are 60 Minor Prizes of $500 EFTPOS Gift Cards to be won. Minor Prizes have
a total value of AU$30,000. Entrants will be notified during their participation in the
competition if they are a Minor Prize winner. Winners of a Minor Prize will also win an
Entry Prize. Minor prizes can only be won at the Competition Locations in accordance
with these Terms and Conditions. Online entrants cannot win Minor Prizes. Minor
prizes are only available to be won in QLD, NSW & VIC, see Competition Locations
table.

Major Prize
13. One Entry Prize winner will be drawn at random on 5 February 2014 at 11:00am
(AEDT) and will win the Major Prize, being either:
a. if the customer has a UBank home loan: principal and interest repayments for
their UBank home loan paid for 12 months (from April 2014 in accordance
with the winner’s regular home loan repayment schedule) up to AU$40,000,
where repayments will be made directly into the winner’s UHomeLoan
account (“UBank Home Loan Major Prize”); or
b. if the customer has a home loan with another Australian lender and wishes to
refinance that home loan to UBank: subject to clause 15, principal and
interest repayments for their UBank home loan paid for 12 months (from the
date falling two months after the date of settlement of their UHomeLoan, or
such other date as agreed by the winner and UBank, in accordance with the
winners regular home loan repayment schedule) up to AU$40,000, where
repayments will be made directly into the winner’s UHomeLoan account
(“Refinance Major Prize”); or
c. if the customer elects to take the Alternative Major Prize: subject to clause 17,
a prize of AU$15,000 paid into a USaver Account (the “Alternative Major
Prize”).

Total Prize Pool Value per State:
QLD, NSW & VIC total prize pool is $50,000
All other States is $40,000