Owner Occupied Housing

Standard Variable Rate 5.65% p.a.

Comparison Rate5.66% p.a. *

Fixed

Comparison rate

1 Year

2 Years

3 Years

*Comparison rate quoted above are based on a loan of $150,000 over a term of 25 years. Different amounts and terms will result in different comparison rates.

Date of Issue 11 August 2009

Fixed Interest Rate Loan

Standard Variable Interest Rate

1 Year  Fixed at

2 Years Fixed at

3 Years Fixed at

Annual Percentage Rate (pa)

5.65%

5.99% then variable rate 5.65%

Amount $

Term

Comparison Rate#

10,000

3 years

7.15

15,000

4 years

6.40

20,000

4 years

6.21

25,000

5 years

6.01

30,000

5 years

5.95

50,000

7 years

5.78

70,000

25 years

5.68

100,000

25 years

5.67

130,000

25 years

5.67

150,000

25 years

5.66

200,000

25 years

5.66

225,000

25 years

5.66

250,000

25 years

5.66

275,000

30 years

5.66

300,000

30 years

5.66

# These interest rates are applicable to secured loans only.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Residential Investment Loan

Standard Borrowers Variable Rate

5.65%p.a.

1 Year Fixed

2 Years Fixed

3 Years Fixed

Commercial Term Loan

Variable (Base Rate) *Interest margin may apply subject to credit risk assessment

7.10%p.a.

1 Year Fixed

7.44%p.a.

2 Years Fixed

8.09%p.a.

3 Years Fixed

8.79%p.a.

Commercial Overdraft

Overdraft Variable (Base Rate)
 *Interest margin may apply subject to credit risk assessment

8.20%p.a.

For more information on commercial loans contact Wayne Wilby.

Term

Interest Rate

Comparison Rate˙˙

Secured by a residential mortgage

Variable rate from

8.99% p.a.*

10.06% p.a.

Fixed rate from

1 year

8.50% p.a.*

9.78% p.a.

2 years

8.00% p.a.*

9.18% p.a.

3 years

7.75% p.a.*

8.82% p.a.

Secured by a motor vehicle

Variable rate from

11.69% p.a.*

12.86% p.a.

Fixed rate from

1 year

12.69% p.a.*

13.43% p.a.

2 years

13.69% p.a.*

14.64% p.a.

3 years

14.69% p.a.*

15.85% p.a.

Unsecured or partially secured

Variable rate from

13.44% p.a.*

13.60% p.a.

Fixed rate from

1 year

13.94% p.a.*

14.89% p.a.

2 years

14.44% p.a.*

15.50% p.a.

3 years

15.44% p.a.*

16.60% p.a.

Personal Overdraft Facility

Secured from

7.89%p.a.

Unsecured from

13.44% p.a.

* Rates may differ depending on type and age (in case of motor vehicles) of the security offered.
˙˙ The comparison rate is calculated on a $10,000 loan over a term of 3 years.

Date of Issue 11 August 2009