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Consumer Lending Interest Rates

Rates effective: Tuesday 21^st February 2012

Residential Lending Interest Rates

Product	$8 Monthly Fee Rate	No Monthly Fee Rate
Variable
Residential Home Loan	7.45% pa	7.65% pa
with Package	6.95% pa	7.15% pa
with Package Plus	6.75% pa	6.95% pa
Interest Only Term Loan	7.45% pa	7.65% pa
with Package	6.95% pa	7.15% pa
with Package Plus	6.75% pa	6.95% pa
Home Equity Loan	7.55% pa	7.75% pa
with Package	7.05% pa
with Package Plus	6.85% pa
Generation Green™		6.95% pa
Historic Homes		6.95% pa
Fixed Rate (Available with Fixed Rate Residential Home Loan and Interest Only Term Loan)
1 Year	6.29% pa	6.44% pa
2 Year	6.24% pa	6.39% pa
3 Year	6.34% pa	6.49% pa
4 Year	6.79% pa	6.94% pa
5 Year	6.89% pa	7.04% pa

Personal Loan Interest Rates

Product	Rate
Secured
Secured Personal Loan	9.99% pa
Generation Green™	8.99% pa
Unsecured
Unsecured Personal Loan	12.69% pa
Generation Green™	11.69% pa

All rates subject to change.

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As the information in the website has been prepared without taking into account your objectives, financial situations or needs, before acting on the information, you should consider how appropriate it is having regard to your objectives, financial situations and needs. All rates subject to change.