_{#IMB Ltd ABN 92 087 651 974 AFSL/ACL 237 391 arranges Vero Insurance. Vero Insurance Limited ABN 48 005 297 807 AFSL 230 859 issues Vero Motor Vehicle policies and all cover is subject to their acceptance. IMB receives a commission for all insurance products arranged. Please refer to IMB’s Financial Services Guide (available in Branch or by calling 133 462) for details. You should consider the Vero Product Disclosure Statement (PDS) for full terms, conditions and limits and whether the product is right for you. A PDS is available from your local IMB branch, www.imb.com.au, or by calling 133 462. *For the one month free insurance offer ('FM Offer'), customers must make payment of their premium by the due date. Customers will then receive a refund from Vero to the value of 1/12 of their annual premium, inclusive of taxes/fees. Where a customer pays monthly by instalment, a refund will be given to the customer after payment of their final instalment. † $100 cash back ('CB Offer') is made up of 1 x $100 cash back for comprehensive Motor Policy. CB Offer is redeemed by way of a coupon which must be returned by reply-paid envelope to Vero Insurance within 30 days. CB will be paid into a nominated IMB transaction account. CB/FM Offer available for new policies only. CB/FM Offer not available on renewal of policy. FM Offer/CB Offer will be paid after the 30 day policy cooling off period. Cancellation of policy prior to expiry of a 12 month period of insurance will forfeit $100 cash back, set off against any premium refund. The FM Offer and CB Offer expire on 29 February 2012 and will not be applied to any Vero policies acquired by a customer after that date. All coupons for the CB Offer must be received by Vero on or before this date for a cashback to be paid in accordance with these terms and conditions. Not available in conjunction with any other offer. Normal IMB lending criteria, fees and charges, terms and conditions apply.}