var ns4 = (document.layers)? true:false; var ie4 = (document.all)? true:false; var ie5 = (document.getElementById)? true : false; //Layer pointer objects declarations var objToolTips; //============================================================================== function finit() { if(ns4) { objToolTips=document.divToolTips; } else if(ie4) { objToolTips=document.all["divToolTips"].style; } else if(ie5) { objToolTips=document.getElementById("divToolTips").style; } hideObject(objToolTips) } //============================================================================== function showObject(obj) { if(obj!=null) { if (ns4) { obj.visibility = "show"; } else { obj.visibility = "visible"; } } } //============================================================================== function hideObject(obj) { if(obj!=null) { if (ns4) { obj.visibility = "hide"; } else { obj.visibility = "hidden"; } } } //============================================================================== function layerWrite(id,nestref,text) { if(ns4) { var lyr=(nestref)?eval('document.'+nestref+'.document.'+id+'.document'):document.layers[id].document; lyr.open(); lyr.write(text); lyr.close(); } else if(ie4) { document.all[id].innerHTML=text; } else { document.getElementById(id).innerHTML=text; } } //============================================================================== //Card Selector //Package var msg1 = '

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You can access the money in your Transaction Account via a broad range of convenient channels:

Withdrawals:

*	via any ATM in Australia
*	Internet Banking
*	Cheque book
*	BPAY®
*	EFTPOS
*	Phone Banking
*	Visa Debit access
*	Direct debit
*	Written instruction.

Deposits:

*	Cash or cheque deposits at any branch of Australia Post
*	Internet and Phone Banking
*	Direct credit.

'; // Interest only var msg2 = '

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Access to your account

Citicard access in Australia to over

	820,000 ATMs worldwide
	570,000 EFTPOS terminals throughout Australia
	Over 3,200 Australia Post Bank@Post outlets
	Telephone and Internet Banking access

'; //Variable var msg3 = '

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You can deposit money into your Transaction Account via a broad range of convenient channels:

For personal accounts, through:

1.	National Australia Bank, through
2.	Australia Post Bank@Post outlets, or
3.	Mail to Citibank

For business accounts, through:

1.	National Australia Bank, or
2.	Mail to Citibank

'; // Fixed var msg4 = '

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Access to your account

Citicard access in Australia to over

	820,000 ATMs worldwide
	570,000 EFTPOS terminals throughout Australia
	Over 3,200 Australia Post Bank@Post outlets
	Telephone and Internet Banking access

'; // Extra repayments var msg5 = '

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You can deposit money into your Transaction Account via a broad range of convenient channels:

For personal accounts, through:

1.	National Australia Bank, through
2.	Australia Post Bank@Post outlets, or
3.	Mail to Citibank

For business accounts, through:

1.	National Australia Bank, or
2.	Mail to Citibank

'; // Redraw var msg6 = '

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You can access the money in your Citibank Ultimate Saver account via a broad range of convenient channels:

Withdrawals:

*	via any ATM in Australia
*	Internet Banking
*	BPAY®
*	EFTPOS
*	Phone Banking
*	Visa Debit access
*	Direct debit.

Deposits:

*	Cash or cheque deposits at any branch of Australia Post
*	Internet and Phone Banking
*	Direct credit.

'; // No deposit var msg7 = '

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	CitiPhone/Internet Banking
	Direct credit/debit and BPAY® facilities
	A Citicard giving you access to over 820,000 ATMs Worldwide and over 400,000 EFTPOS outlets throughout Australia

'; // No documentation var msg8 = '

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Withdrawals and deposits

Deposits and withdrawals are made in units of $50,000 or more

Same day withdrawals are made:

	By completing and submitting a Real Time Gross Settlement (RTGS) form
	By informing Citibank in writing to issue a Bank Cheque or make a Telegraphic Transfer
Withdrawals are made on the same day provided notice of withdrawal is given before 4pm Sydney time.

'; // Access to equity var msg9 = '

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For personal accounts, through:

	NAB,
	Australia Post Bank@Post outlets, or
	Post a cheque to Citibank

For business accounts, through:

	NAB, or
	Post a cheque to Citibank

'; // Offset var msg10 = '

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Interest payments

For terms of 12 months or more:

Interest is paid either monthly, quarterly or annually. This can be paid out or reinvested in your term deposit so that you get the benefit of compounding interest on your investment.

For terms of less than 12 months:

Interest is paid on maturity.

'; /* The home loan process */ // Check your credit record var msg11 = '

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For current rates contact your Citibank Relationship Manager or phone CitiPhone on 13 24 84, available 24 hours a day, seven days a week.

'; // Calculate your borrowing power var msg12 = '

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Interest payments

A different interest rate applies to each step - the interest rates will get higher and higher as the steps progress. Interest is paid to you after each step. You can choose to reinvest interest into the next step of your Ladder Term Deposit Account or to have it paid into a Citibank At Call Account for your use.

'; // Obtain pre-approval var msg13 = '

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http://www.citibank.com.au/global_docs/onlinetools/ta1.htm

'; /* First Home Owner�s Grant */ // About the First Home Owners Grant var msg14 = '

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http://www.citibank.com.au/global_docs/onlinetools/ta1.htm

'; // Check your eligibility var msg15 = '

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http://www.citibank.com.au/global_docs/onlinetools/ocm_rates.htm

'; // How to apply var msg16 = '

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http://www.citibank.com.au/global_docs/onlinetools/cmia1.htm#AU1cashmgmtrates3

'; // Stamp duty concessions var msg17 = '

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http://www.citibank.com.au/global_docs/onlinetools/cmia1.htm#AU1cashmgmtrates2

'; /* The costs involved */ // Lenders Mortgage Insurance (applies to deposits less than 20%) var msg18 = '

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http://www.citibank.com.au/global_docs/onlinetools/fixedtd1.htm#AU1fixdeprates1

'; // Loan costs var msg19 = '

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http://www.citibank.com.au/global_docs/onlinetools/fixedtd1.htm#AU1fixdeprates2

'; // Legal fees (or 'conveyancing' fees) var msg20 = '

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Internet banking

Sign on to Citibank Online to make funds transfers between your accounts and simply enter the following information:
	The Citibank BSB Number which is 242 200
	Your nine digit Citibank Account Number

'; // Inspection costs var msg21 = '

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BPAY

BPAY® is one of the best ways to manage your bills. It’s fast, easy and convenient. It is today’s way of paying bills to over 13,000 billers throughout Australia.

For more information, visit our BPAY® page or phone 13 24 84.

'; // Insurance var msg22 = '

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By mail using a Cheque

You can post us your payment by enclosing your completed deposit split (see below for more information on deposit books) and mail with your cheque (no notes or coins accepted) to the following address :

REPLY PAID 105
Citibank
GPO Box 5298
Sydney NSW 1005

'; // Moving in costs var msg23 = '

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Easi-Pay (direct debit)

Easi-Pay is Citibank’s convenient Direct Debit facility which enables you to have the regular payments to your Citibank account automatically debited from your nominated bank account held within Australia.

To apply, simply download and complete the relevant Easi-Pay application form below and return the original to Citibank in order for the facility to be set up on the account.

	Credit Cards Easi-Pay form (Adobe PDF, 3.10MB)
	Ready Credit Easi-Pay form (Adobe PDF, 908KB)
	Personal Credit & Business Credit Easi-Pay form (Adobe PDF, 1.51MB)
	Personal Loans Easi-Pay form (Adobe PDF, 1.50MB)
	Mortgages Easi-Pay form (Adobe PDF, 1.04MB)

Please Note: For Credit cards, ReadyCredit, Personal Credit & Business Credit accounts, if you make any manual payments between due dates, then Easi-Pay will only draw the difference between the amount of the manual payments and the Easi-Pay amount.

'; /* Home loan features */ // No deposit home loans var msg24 = '

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CitiPhone banking

Access CitiPhone Self Service Banking by calling 13 CITI (13 24 84) 24 hours a day, 7 days a week.

'; // Extra repayments var msg25 = '

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Australia Post

You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS. Remember to take your deposit split (see below for more information on deposit books) and your Access Card with you for a faster transaction.

For payments made at any other Australia Post using cash or EFTPOS, please allow 48 hours for the payment to reach your account. When paying by cheque at any Australia Post office, please allow seven business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.

'; // Offset account var msg26 = '

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NAB

NAB accepts deposits into your Citibank Deposit and Transaction accounts.

For payments made at NAB using cash, payment will reach your account the next business day (or Saturday if deposited on Friday). When paying by cheque (or mixed cash and cheque), please allow three business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.

Please note: If you are depositing funds by cheque, you must have a pre-encoded deposit book (see below for more information on deposit books). However if you are depositing cash you can use a NAB deposit slip.

'; // Portability var msg27 = '

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Deposit Book

You can use your deposit book to make a deposit or payment into your account by mail, at Australia Post or at a National Australia Bank.

You can order a deposit book online by signing onto our secure Internet banking website, Citibank Online. Once signed on, select ‘Account Services’ located at the top of the screen, then ‘Banking Services’ in the sub-menu. From the list of options, select ‘Request a Cheque/ Deposit Book’ and the account on which you’d like to order the deposit book and then select ‘Next’. Allow approximately 7-10 working days for delivery of your new deposit book.

You can also order by calling CitiPhone on 13 24 84, or by mailing us a request (or sending us the reorder voucher from your existing deposit book) to Citibank Banking Services, GPO Box 40, Sydney NSW 2001.

'; // Redraw var msg28 = '

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This popular loan feature lets you withdraw any additional repayments you have made on your mortgage. It is a useful way to reduce your interest while providing access to your funds. Citibank offers free, unlimited redraws on virtually all of our home loans with the exception of fixed rate loans.

'; // Split loan var msg29 = '

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A loan that combines a fixed rate portion and a variable rate portion.

'; //Overseas Investors //Privacy var msg30 = '

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Privacy
An offshore account can offer privacy for customers with inherited wealth, capital windfall or pension "nest eggs". It also ensures security and confidentiality.

'; //Protection for your assets var msg31 = '

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Protection for your assets
Opening an offshore account will protect your assets and keep your family nest egg in good hands.

'; //Convenience for business, education or migration needs var msg32 = '

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Convenience for business, education or migration needs
Keeping your assets in an offshore account paves the way for business expansion, for your children’s overseas education or for migration purposes. We provide migrant families and overseas students with accounts and products that help them manage their daily banking needs and achieve their investment objectives.

'; //Access to global investment opportunities var msg33 = '

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Access to global investment opportunities
With an offshore account, you will be ready to take advantage of attractive global investment opportunities that otherwise may not be available to you.

'; //Easy access and total control var msg34 = '

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Easy access and total control
You can access your account through over 700,000 ATMs worldwide, via fax, or through the internet. Or if you wish, simply pick up the phone and call us.

'; //How to apply //Citibank Plus //Other ways to apply var msg35 = '

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Other ways to apply

Mail

-	Download application form (Adobe PDF, 295 kb)
-	Call us on 1300 559 424 to request a copy of the application form to be mailed to you

Visit a Citibank Branch

'; //Citibank Ultimate Saver var msg36 = '

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Other ways to apply

Mail

-	Download application form (Adobe PDF, 295 kb)
-	Call us on 1300 559 424 to request a copy of the application form to be mailed to you

Visit a Citibank Branch

'; //Secondary Indentification Documents var msg37 = '

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(You may use several of the following to add to your Primary documents to reach 100 points. If you wish to use more than one document from this group, the first acceptable document scores 40 points, but subsequent documents only score 25 points each.)

'; //Secondary Indentification Documents var msg38 = '

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If you wish to count more than one bank document or card, each document MUST be issued by a different Financial Institution (FI). If documents are from the same FI only one can be counted.

'; //deposits_switch - Citibank direct debit and credit change forms var msg39 = '

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Do it yourself switching forms:
Salary payment form
Direct credit payment form
Direct debit payment form
Account closure letter

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