Savings Account Interest Rates

Effective Date: 1 November 2020

Bonus Saver Account	Interest Rate
Over $2	Over $2 0.75 % p.a.

Effective Date: 1 September 2020

Effective Date: 1 July 2020

Christmas Club Account	Interest Rate
Over $2	Over $2 0.25 % p.a.

Effective Date: 1 December 2020

Internet Saver Account	Interest Rate
Over $5,000 (maximum $1,000,000)	Min. $5,000 Max. $1,000,000 0.10 % p.a.

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Important Information

_{This is Part 3 – Deposit Interest Rate Schedule of the Product Disclosure Statement (PDS). It must be read in conjunction with:}

_{You should consider the PDS in its entirety in deciding whether to acquire or continue to hold any of the products the subject of the PDS.}

¹ Interest is calculated by applying the daily percentage rate applicable to the daily balance to the entire balance and paid on the last day of every month. Interest will be calculated and paid if there has been at least $1.00 deposited and no withdrawals on the account during the calendar month. Interest credits from this account do not constitute a deposit. If this condition is not met, no interest will be paid for that month. The daily percentage rate is the applicable annual percentage rate divided by 365.
² Interest is calculated by applying the daily percentage rate applicable to the daily balance to the entire balance and paid 3 monthly on 31st March, 30th June, 30th September and 31st December. The daily percentage rate is the applicable annual percentage rate divided by 365.
³ Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid 6 monthly on 30 June and 31 December. The daily percentage rate is the applicable annual percentage rate divided by 365.
⁴ Interest is calculated by applying the daily percentage rate applicable to the daily balance as set out to the entire balance and paid on the last day of every month. The daily percentage rate is the applicable annual percentage rate divided by 365.