Gateway Bank Ltd ABN 47 087 650 093 has an agreement with Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance ("CGU") for the referral of insurance products. Gateway Bank is entitled to receive from CGU a commission being a percentage of premium paid for insurance products issued to you or your business pursuant to this agreement. Please contact CGU on 13 22 94 for further information. Insurance products are issued by CGU. A product disclosure statement (PDS), Target Market Determination (TMD), and/or any further policy wording for the insurance products is available from www.cgu.com.au. You should consider the product disclosure statement and/or any further policy wording before making a decision in regard to your insurance needs.