Unsecured Personal Loans Comparison Rate Schedules 28.07.08

Comparison Rate Schedule UNSECURED PERSONAL LOANS - (Security may be required) Defcredit's Unsecured Personal Loan Rate Defence Force Credit Union Limited Level 2, 99 King Street, Melbourne VIC 3000 ABN 57 087 651 385 AFSL 234582 Additional Interest Rate Information where current Standard rate is not charged Amount of Credit $2,500 $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $50,000 $70,000 $100,000 Current Comparison Term of Loan Standard Rate Rate % % 2 years 12.95% 14.76% 12.95% 13.96% 2 years 12.95% 13.30% 3 years 12.95% 13.13% 4 years 12.95% 13.08% 4 years 12.95% 13.04% 5 years 12.95% 13.02% 5 years 12.95% 12.98% 7 years 12.95% 12.97% 7 years 12.95% 12.97% 7 years Annual Rate % 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% Comparison Rate % 11.99% 11.00% 10.34% 10.18% 10.13% 10.09% 10.07% 10.03% 10.02% 10.02% Annual Rate % 11.00% 11.00% 11.00% 11.00% 11.00% 11.00% 11.00% 11.00% 11.00% 11.00% Comparison Rate % 13.00% 12.00% 11.34% 11.18% 11.13% 11.09% 11.07% 11.03% 11.02% 11.02% Annual Rate % 12.00% 12.00% 12.00% 12.00% 12.00% 12.00% 12.00% 12.00% 12.00% 12.00% Comparison Rate % 14.01% 13.00% 12.35% 12.18% 12.13% 12.09% 12.07% 12.03% 12.02% 12.02% Annual Rate % 13.00% 13.00% 13.00% 13.00% 13.00% 13.00% 13.00% 13.00% 13.00% 13.00% Comparison Rate % 15.01% 14.01% 13.35% 13.18% 13.13% 13.09% 13.07% 13.03% 13.02% 13.02% Annual Rate % 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% Comparison Rate % 16.02% 15.02% 14.35% 14.18% 14.14% 14.09% 14.07% 14.03% 14.02% 14.02% Issue Date: 28 July 2008 A monthly repayment frequency has been used to calculate the comparison rates. Fees and charges are payable. Terms and conditions available on request. 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 cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. F476A (28/07/08)

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