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Loan Interest Rate Schedule

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					       Loan Interest Rate Schedule
       These interest rates are effective from 18 March 2011.
       Interest rates are expressed as a % pa and are subject to change.
       Terms and conditions available upon request.




       Mortgage Loans - Home Loans
       Product                                               Rate Name/Type                                Annual Percentage Rate

       Principal and Interest Repayments
        First Start Home Loan                                First Start Rate - Discounted Variable                6.71%
        Premium 250 Home Loan                                Premium 250 Rate - Discounted Variable                7.11%
        Family Advantage Loan                                Family Advantage Rate - Discounted Variable           7.21%
        Premium 150 Home Loan                                Premium 150 Rate - Discounted Variable                7.31%
        ECO Mortgage Loan                                    ECO Mortgage Rate - Discounted Variable               7.46%
        Home Loan Plus                                       Standard Variable Rate                                7.71%
        Mortgage Plus Loan                                   Mortgage Plus Rate - Variable, 100% Offset            7.78%

        Fixed Rate Loan                                      12 Month Fixed Rate                                   7.19%
                                                             24 Month Fixed Rate                                   7.34%
                                                             36 Month Fixed Rate                                   7.44%
                                                             48 Month Fixed Rate                                   7.79%
                                                             60 Month Fixed Rate                                   7.84%




       Mortgage Loans - Equity Release Loans
       Product                                               Rate Name/Type                                Annual Percentage Rate

       Principal and Interest Repayments
        Umbrella Loan                                        Standard Variable Rate                                7.71%




       Mortgage Loans - Investment Loans
       Product                                               Rate Name/Type                                Annual Percentage Rate

       Principal and Interest Repayments
        Premium 250 Investment Loan                          Premium 250 Rate - Discounted Variable                7.11%
        Premium 150 Investment Loan                          Premium 150 Rate - Discounted Variable                7.31%
        Mortgage Investment Loan                             Standard Variable Rate                                7.71%

        Fixed Rate Loan                                      12 Month Fixed Rate                                   7.19%
                                                             24 Month Fixed Rate                                   7.34%
                                                             36 Month Fixed Rate                                   7.44%
                                                             48 Month Fixed Rate                                   7.79%
                                                             60 Month Fixed Rate                                   7.84%
       Interest Only Repayments
        Premium 250 Interest Only Loan                       Premium 250 Rate - Discounted Variable                7.11%
        Premium 150 Interest Only Loan                       Premium 150 Rate - Discounted Variable                7.31%
        Interest Only Loan                                   Standard Variable Rate                                7.71%
        Interest Only Loan - Bridging Finance                Interest Only Bridging Rate - Variable                8.21%

        Fixed Rate Interest Only Loan                        12 Month Fixed Rate                                   7.19%
                                                             24 Month Fixed Rate                                   7.34%
                                                             36 Month Fixed Rate                                   7.44%
                                                             48 Month Fixed Rate                                   7.79%
                                                             60 Month Fixed Rate                                   7.84%




PRD 0212 - Page 1                                                                                                                   16/03/2011
       Loan Interest Rate Schedule
       These interest rates are effective from 18 March 2011.
       Interest rates are expressed as a % pa and are subject to change.
       Terms and conditions available upon request.




       Personal Loans - Fully Secured by Cash
       Loan Amount                                                 Rate Type              Annual Percentage Rate
         All amounts                                               Variable Rate                  7.71%



       Personal Loans – Car Loans
       Loan Amount                                                 Rate Type              Annual Percentage Rate
         $20,000 and above/New                                     Variable Rate                  9.50%

         $10,000 to less than $20,000                              Variable Rate                  9.95%



       Personal Loans - ECOloan
       Loan Amount                                                 Rate Type              Annual Percentage Rate
         All amounts                                               Variable Rate                  9.75%



       Personal Loans – Equity Plus
       Loan Amount                                                 Rate Type              Annual Percentage Rate
         All amounts                                               Variable Rate                 10.00%



       Personal Loans – General Purposes
       Loan Amount                                                 Rate Type              Annual Percentage Rate
         $1,000 to less than $5,000                                Variable Rate                 17.45%

         $5,000 and above                                          Variable Rate                 14.70%



       Continuing Credit
       Product                                                     Rate Type              Annual Percentage Rate
         Equity Extra Overdraft                                    Variable Rate                  8.11%

         RediAccess Overdraft                                      Variable Rate   From           9.21%



       Commercial Loans

         Rates upon application.




PRD 0212 - Page 2                                                                                                  16/03/2011

				
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