St.George Advantage Package – Sales Guide by lindayy


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									                                             St.George Advantage Package – Sales Guide
                                                                                                                Annual Package Fee $395
                                                                                                                         Updated December 2008

   Product                                                                             Benefits                                                            Multiple Loans                                             Eligibility

  Home Loans                                           l   $0 establishment or $0 increase fee or $0 switch fee                          l Up to 5 loans for the one annual fee.                    l Minimum package amount is $50,000 –
  l Std Portfolio Loan (10 sub-accs)                   l   $0 Portfolio sub-account set up.                                                                                                           Personal customers only – Loan repayments
  l Std Fixed Rate Loan                                l   $0 loan admin fee                                                                                                                          and annual fee must be paid from
  l Std Variable Rate Loan                             l   $0 mortgage equaliser fee                                                                            Discounts                             SGB account.
  l Intro Rate.                                        l   Rate discounts up to 0.7% on Portfolio Variable rate
                                                           and Standard Variable rate.                                                    Loan type            Loan amount          Discount

  Credit Cards                                         l $0 annual fee on any one of these credit cards                                  SVR & Portfolio       $0 – $99,999        0%p.a.           l Full eligibility criteria at
  l Platinum                                           l Up to 55 days interest fee.                                                                           $100 – $149,999     0.25%p.a.
  l Starts Low, Stays Low                                                                                                                                      $150 – $249,999     0.50%p.a.
  l Gold Low Rate                                                                                                                                              $250,000 +          0.70%p.a.
  l Vertigo.
  Transaction Accounts                                 l $0 monthly admin fee                                                            Standard Fixed        Competitive rates
  l Complete Freedom                                   l $0 Mortgage Equaliser 100% offset set up (new loans)                                                  available.
  l Complete Freedom Offset.                           l $0 Mortgage Equaliser 100% offset monthly admin fee.                                                  Ask for details.

                                                                                                                                                                Starts Low,
                                                                                   Credit Cards                                        Gold Low Rate                                           Vertigo                           Platinum
    Complete Freedom Account                                                                                                                                    Stays Low

                                                                                  Interest free days on purchases                  Up to 55 days           Up to 55 days            Up to 55 days                       Up to 55 days
   l Unlimited free transactions at St.George branches
     and ATMs, direct debits, phone and internet                                  Card type                                        Visa, MasterCard        Visa, MasterCard         MasterCard Only                     Visa, MasterCard
     banking, cheques, EFTPOS and Bank@Post
                                                                                  Instant Benefits                                 Yes                     Yes                      Yes                                 Yes
   l Cheque book, interest offset and overdraft facility
     (subject to application) are available
   l Visa Debit or ATM/EFTPOS Card
                                                                                  Daily cash limit                                 $2,000                  $2,000                   $2,000                              $5,000
   l St.George Phone and Internet banking is available
     24 hours, 7 days a week                                                      Link to deposit accounts                         Yes                     Yes                      Yes                                 Yes
   l Bill payment using BPAY           ®

                                                                                  Free additional cards                            3                       3                        1                                   3
   l Automatic deposits and periodical payments
   l 10 Free SMS Alerts per month
   l Mortgage Equaliser 100% offset available.

                                                                                                                                                                              mo           e

® Registered to BPAY Pty Ltd ABN 69 079 137 518. St.George Bank Limited ABN 92 055 513 070 AFS Licence No. 240997. 9624/8592 C012/08

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