The year 2020 has been a tough one for many, with many businesses and individuals taking huge financial hits.

Most of Old Xavs’ great corporate partners have continued to support our club despite the enormous challenges.

One of them is East Malvern Community Bank, which has for more than a decade provided our club with grants and sponsorship.

Recently, OXFC Commercial Manager Paul Newton sat down with Ruth Hall, the EMCB’s Senior Manager to discuss the relationship between club and bank.

LOOK NO FURTHER

When you are looking for a financial partner, go no further than the mighty EMCB.

Have a chat with Ruth Hall about your requirements, and bear in mind these facts:

• East Malvern Community Bank is now 20 years old and here to stay.

• EMCB supports stronger community and not higher profits

• 25% or bank revenue is returned back to community partners, which equates to roughly 80% of our profits.

• To date, the bank has given more than $4.5m back to local groups that are from various sectors such as sporting, education, youth services, support for our older community as well as the arts.

• Over the years, EMCB has given Sport $2.4m, Football $1.26m, and Xavs $123k

• The OXFC can benefit through home loans taken out by clubs members and supporters. (0.20% of the settled loan amount of all Home Loans, Business Loans, Equipment Finance and personal loans from its members. This means for a home loan of $600k bought to East Malvern Community Bank, EMCB would reward Xavs with $1,200.00). This is at zero detriment to the customer.

• Individuals who approach EMCB for any banking product or service can be assured their privacy will be protected at all times.

• EMCB now has a fantastic market leading home loan product with very low variable and fixed-rate options. The Loan to Value Ratio (LVR) drives the interest rate and rewards long-term customers by ensuring the interest rate reduces as you pay down your home loan and build equity.

• A lot of the major banks offer incentives to win your business and then treat a home loan as a set and forget banking product.

• EMCB owner-occupied Principal & Interest Home Loans have ongoing service fees of only $180.00 each year - way below their competitors’ fees.

• The EMCB has a market-leading 100% offset availability on all Complete Home Loans including fixed interest options - the first bank in the country to offer this.

DISCLAIMER: Any request for loans would be subject to our standard credit process and guidelines. This is general information only and doesn’t take your personal financial circumstances into consideration.

Contact:
Ruth Hall – Senior Branch Manager
East Malvern Community Bank Branch of Bendigo Bank
300 Waverley Rd, Malvern East VIC 3145
P: 0412 555 452

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