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					Comparison Rate Schedule

                                                                      Nationwest
                                                                      ABN : 34100686520
                                                                      Suite 15/2756 Albany Highway
                                                                      Kelmscott WA 6111
                                                                      Phone : 08 93903666
Issue Date:                12-February-2011



Secured Loan Product:      Standard Variable                          Repayment Frequency: Monthly

Credit Provider:           Perpetual Trustees Victoria Limited


Amount                     Term       Comparison Rate Annual Percentage Rate
$30,000.00                 5 years       #NAME?                         #NAME?
$50,000.00                 7 years       #NAME?                         #NAME?
$70,000.00                 25 years      #NAME?                         #NAME?
$100,000.00                25 years      #NAME?                         #NAME?
$130,000.00                25 years      #NAME?                         #NAME?
$150,000.00                25 years      #NAME?                         #NAME?
$200,000.00                25 years      #NAME?                         #NAME?
$225,000.00                25 years      #NAME?                         #NAME?
$250,000.00                25 years      #NAME?                         #NAME?
$275,000.00                30 years      #NAME?                         #NAME?
$300,000.00                30 years      #NAME?                         #NAME?




Secured Loan Product:      Low Doc                                    Repayment Frequency: Monthly

Credit Provider:           Perpetual Trustees Victoria Limited


Amount                     Term       Comparison Rate Annual Percentage Rate
$30,000.00                 5 years       #NAME?                         #NAME?
$50,000.00                 7 years       #NAME?                         #NAME?
$70,000.00                 25 years      #NAME?                         #NAME?
$100,000.00                25 years      #NAME?                         #NAME?
$130,000.00                25 years      #NAME?                         #NAME?
$150,000.00                25 years      #NAME?                         #NAME?
$200,000.00                25 years      #NAME?                         #NAME?
$225,000.00                25 years      #NAME?                         #NAME?
$250,000.00                25 years      #NAME?                         #NAME?
$275,000.00                30 years      #NAME?                         #NAME?
$300,000.00                30 years      #NAME?                         #NAME?


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.
Comparison Rate Schedule

                                                                      Nationwest
                                                                      ABN : 34100686520
                                                                      Suite 15/2756 Albany Highway
                                                                      Kelmscott WA 6111
                                                                      Phone : 08 93903666
Issue Date:                12-February-2011



Secured Loan Product:      Premium Lite                               Repayment Frequency: Monthly

Credit Provider:           Perpetual Trustees Victoria Limited


Amount                     Term       Comparison Rate Annual Percentage Rate
$30,000.00                 5 years       #NAME?                         #NAME?
$50,000.00                 7 years       #NAME?                         #NAME?
$70,000.00                 25 years      #NAME?                         #NAME?
$100,000.00                25 years      #NAME?                         #NAME?
$130,000.00                25 years      #NAME?                         #NAME?
$150,000.00                25 years      #NAME?                         #NAME?
$200,000.00                25 years      #NAME?                         #NAME?
$225,000.00                25 years      #NAME?                         #NAME?
$250,000.00                25 years      #NAME?                         #NAME?
$275,000.00                30 years      #NAME?                         #NAME?
$300,000.00                30 years      #NAME?                         #NAME?




Secured Loan Product:      Pro Pack                                   Repayment Frequency: Monthly

Credit Provider:           Perpetual Trustees Victoria Limited


Amount                     Term       Comparison Rate Annual Percentage Rate
$30,000.00                 5 years       #NAME?                         #NAME?
$50,000.00                 7 years       #NAME?                         #NAME?
$70,000.00                 25 years      #NAME?                         #NAME?
$100,000.00                25 years      #NAME?                         #NAME?
$130,000.00                25 years      #NAME?                         #NAME?
$150,000.00                25 years      #NAME?                         #NAME?
$200,000.00                25 years      #NAME?                         #NAME?
$225,000.00                25 years      #NAME?                         #NAME?
$250,000.00                25 years      #NAME?                         #NAME?
$275,000.00                30 years      #NAME?                         #NAME?
$300,000.00                30 years      #NAME?                         #NAME?


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.
Comparison Rate Schedule

                                                                      Nationwest
                                                                      ABN : 34100686520
                                                                      Suite 15/2756 Albany Highway
                                                                      Kelmscott WA 6111
                                                                      Phone : 08 93903666
Issue Date:                12-February-2011



Secured Loan Product:      Easy Doc                                   Repayment Frequency: Monthly

Credit Provider:           Perpetual Trustees Victoria Limited


Amount                     Term       Comparison Rate Annual Percentage Rate
$30,000.00                 5 years       #NAME?                         #NAME?
$50,000.00                 7 years       #NAME?                         #NAME?
$70,000.00                 25 years      #NAME?                         #NAME?
$100,000.00                25 years      #NAME?                         #NAME?
$130,000.00                25 years      #NAME?                         #NAME?
$150,000.00                25 years      #NAME?                         #NAME?
$200,000.00                25 years      #NAME?                         #NAME?
$225,000.00                25 years      #NAME?                         #NAME?
$250,000.00                25 years      #NAME?                         #NAME?
$275,000.00                30 years      #NAME?                         #NAME?
$300,000.00                30 years      #NAME?                         #NAME?




Secured Loan Product:      0                                          Repayment Frequency: Monthly

Credit Provider:           0


Amount                     Term       Comparison Rate Annual Percentage Rate
$30,000.00                 5 years       #NAME?                         #NAME?
$50,000.00                 7 years       #NAME?                         #NAME?
$70,000.00                 25 years      #NAME?                         #NAME?
$100,000.00                25 years      #NAME?                         #NAME?
$130,000.00                25 years      #NAME?                         #NAME?
$150,000.00                25 years      #NAME?                         #NAME?
$200,000.00                25 years      #NAME?                         #NAME?
$225,000.00                25 years      #NAME?                         #NAME?
$250,000.00                25 years      #NAME?                         #NAME?
$275,000.00                30 years      #NAME?                         #NAME?
$300,000.00                30 years      #NAME?                         #NAME?


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.
                           Interstar Comparison Rate Calculator


                                                 Product & Originator Setup

1. Product Setup:
Product 1
            Lender Product: Standard Variable
            Credit Provider: Perpetual Trustees Victoria Limited

     Originator description: Standard Variable
                Initial Term:        30 years                 Borrower rate (initial):   8.89
             Ongoing Term:            0
                                    995 years            Borrower rate (ongoing):          0
             Upfront Fees $         995
                 Valuation $      192.5                                Legal Costs $     470
             Ongoing fees $            0    per     Monthly

       Lenders admin fees $            0

Product 2
            Lender Product: Low Doc
            Credit Provider: Perpetual Trustees Victoria Limited


     Originator description: Low Doc
                Initial Term:        30 years                 Borrower rate (initial):   9.49
             Ongoing Term:             0 years           Borrower rate (ongoing):
             Upfront Fees $         995
                 Valuation $      192.5                                Legal Costs $     470
             Ongoing fees $            0    per    Monthly
       Lenders admin fees $            0

Product 3
            Lender Product: Premium Lite
            Credit Provider: Perpetual Trustees Victoria Limited

     Originator description: Premium Lite
                Initial Term:        30 years                 Borrower rate (initial):   8.75
             Ongoing Term:             0 years           Borrower rate (ongoing):          0
             Upfront Fees $            0
                 Valuation $      192.5                                Legal Costs $     470
             Ongoing fees $            0    per     Monthly
       Lenders admin fees $            0
Product 4
            Lender Product: Pro Pack
             Credit Provider: Perpetual Trustees Victoria Limited

     Originator description: Pro Pack
                 Initial Term:           1 years                   Borrower rate (initial):    8.75
              Ongoing Term:             29 years             Borrower rate (ongoing):          8.75
              Upfront Fees $             0
                  Valuation $       192.5                                   Legal Costs $       745
              Ongoing fees $          330       per      Yearly
       Lenders admin fees $              0

Product 5
            Lender Product: Easy doc
             Credit Provider: Perpetual Trustees Victoria Limited

     Originator description: Easy Doc
                 Initial Term:               years                 Borrower rate (initial):    9.75
              Ongoing Term:             30 years             Borrower rate (ongoing):          9.75
              Upfront Fees $
                  Valuation $       192.5                                   Legal Costs $       745
              Ongoing fees $             0      per      Half Yearly
       Lenders admin fees $              0

Product 6
            Lender Product:
             Credit Provider:

     Originator description:
                 Initial Term:               years                 Borrower rate (initial):
              Ongoing Term:              0 years             Borrower rate (ongoing):             0
              Upfront Fees $             0
                  Valuation $                                               Legal Costs $
              Ongoing fees $             0      per      Monthly
       Lenders admin fees $              0

2. Originator Details:
            Originator name: Nationwest
             Street Address: Suite 15/2756 Albany Highway
     Suburb/State/Postcode: Kelmscott WA 6111
                         ABN: 34100686520              Telephone: 08 93903666



     To the maximum extent permitted by law, Interstar will not be liable in any way (including for negligence) for any loss,
     damage, cost or expense suffered or incurred by the users of this Comparison Rate Calculator, or in connection with
information offered or supplied through this Comparison Rate Calculator.
                                       8.43       1.57              8.43
                                       8.43       4.71              8.43
                                       8.43      20.14                 3
                                      15.57       8.43              6.43




                            Prod1   Prod2     Prod3      Prod4   Prod5
    <Select product>          1       2         3          4             5
1   Standard Variable
2   Low Doc
3   Premium Lite
4   Pro Pack
5   Easy Doc
6       0

    Product names
        1               0
        2               0
        3               0
        4               0
Annual % rates
      Initial                    Ongoing      Concatenated - multi year
    1                     8.89           0    8.89%p.a for 30 year(s) then 0 %p.a
    2                     9.49           0    9.49%p.a for 30 year(s) then 0 %p.a
    3                     8.75           0    8.75%p.a for 30 year(s) then 0 %p.a
    4                     8.75        8.75    8.75%p.a for 1 year(s) then 8.75 %p.a
    5                     9.75        9.75
    6

Terms Initial                    Ongoing
    1                       30            0
    2                       30            0
    3                       30            0
    4                        1           29

Display borrower rate
    1 8.89%p.a for 30 year(s) then 0 %p.a
    2 9.49%p.a for 30 year(s) then 0 %p.a
    3 8.75%p.a for 30 year(s) then 0 %p.a
    4 8.75%p.a for 1 year(s) then 8.75 %p.a


      Term1
Product                          Term2        Term1RateTerm2Rate Upfront Fee       Ongoing Fee
    1                       30            0        8.89          0         1657.5          0
    2                       30            0        9.49          0         1657.5          0
    3                       30            0        8.75          0           662.5         0
    4                        1           29        8.75       8.75           937.5       330
    5                       30            0        9.75          0           937.5         0
    6                        0            0           0          0               0         0


      CreditProvider
Product                         CreditProvider
    1 Perpetual Trustees Victoria Limited
    2 Perpetual Trustees Victoria Limited
    3 Perpetual Trustees Victoria Limited
    4 Perpetual Trustees Victoria Limited
    5 Perpetual Trustees Victoria Limited
    60
                                         v 1.1

Rate Calculator


                  Calculator/ Schedule
ator Setup




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ny way (including for negligence) for any loss,
parison Rate Calculator, or in connection with
   102




Prod6       Selected product
        6            1
Concatenated - no initial
0%p.a
0%p.a
0%p.a
8.75%p.a




          Closing Fee
Ongoing Fee FrequencyAPR
        1          0 ###
        1          0 ###
        1          0 ###
        4          0 ###
        3          0 ###
        1          0 ###
Ongoing Fee Frequency Droplist

Monthly

Quarterly
Half Yearly
Yearly


Ongoing Fee Frequency
Prod1         Prod2       Prod3       Prod4       Prod5       Prod6
          1           1           1           4           3           1
1
Products & Setup Help
The Interstar Comparison Rate Calculator has been designed to help you calculate Comparison Rates and Comparison
Rate Schedules for your Interstar loan products

Before using the calculator you need to setup your loan products in the Products and Setup page.
The first four products are the Interstar Premium, Premium Deluxe, Premium StarStart and the Premium Deluxe
StarStart. The last two can be used for other funder products if you so choose.

Product Setup
For each product (you can enter up to six per schedule) the following steps are required:
       1) Enter the retail name of your loan product in the box labeled "Originator Description" - e.g. "Everyday
          Professional Package".
       2) Enter the initial loan term if applicable (e.g. 6 months for a honeymoon period)
       3) Enter the Initial borrower rate if applicable (e.g. 4.5% for 6 months)
       4) Enter the ongoing loan term. This will be the entire term of the loan if there is no initial term.
       5) Enter the ongoing borrower rate. (e.g. 7% for life of the loan).
       6) Enter the Upfront costs (inc application, brokerage etc.)
       7) Enter any applicable Valuation Costs (ISA suggests $250 for standard transactions)
       8) Enter any applicable Legal Costs (ISA suggests $685 being $434.30 plus $250 discharge costs)
       9) Enter any other ongoing costs and select there frequency from the drop down menu

Once you have completed all six products enter your company details

Originator Details setup:
       1) Enter the originator company name e.g. ABC Mortgages Pty Ltd
       2) Enter the street address
       3) Enter the ABN number of your company

Once completed, return to the calculator page


Using the Calculator / Producing Schedules

From the Calculator page, you can either display a Comparison rate based upon an specified loan amount or display
the schedule of 6 products in accordance with legislation

Using the Calculator for any loan amount
                 1) Enter the Loan Amount in the space provided
                 2) Select a product from the drop down list. Please note that the product you select references the
                    information that you have setup in the product setup page.
                 3) Once you have done steps 1) and 2) the Comparison Rate will be displayed

The comparison rate uses the information that you have entered as part of the product setup page. Please note that
the product page must be setup correctly in order to display the correct Comparison Rate and if you have not entered all
of the applicable information, this can cause the rate to come out incorrectly. The Rate is determined by legislative
formula as set out in the applicable legislation introduced as at 1 July 2003.

Displaying the Product Schedule and Printing

The Schedule allows you to comply with legislation and will permit up 6 products to be printed. In order to print the
Comparison Rate schedule, the following steps need to be followed:
                  1) Select each product from the drop down menu's provided.
                  2) Press the button labeled Print (which is located underneath the product selection).

The print function will use your computers default printer to print out the Comparison Rate Schedule with required
legislative amounts.

The comparison rate uses the information that you have entered as part of the product setup page. Please note that
the product page must be setup correctly in order to display the correct Comparison Rate and if you have not entered all
of the applicable information, this can cause the rate to come out incorrectly. The Rate is determined by legislative
formula as set out in the applicable legislation introduced as at 1 July 2003.

				
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