Effective Date: 20 March 2026
| Investment Term | Interest Payment Frequency | $1000 to $499,999 | $500,000-$1,000,000 |
| 1 month | at maturity | 1.20% p.a. | 1.25% p.a. |
| 2 months | at maturity | 1.70% p.a. | 1.75% p.a. |
| 3 months | at maturity | 4.50% p.a. | 4.50% p.a. |
| 4 months | at maturity | 4.30% p.a. | 4.30% p.a. |
| 5 months | at maturity | 3.95% p.a. | 4.00% p.a. |
| 6 months | at maturity | 4.70% p.a. | 4.70% p.a. |
| 7 months | at maturity | 3.95% p.a. | 4.00% p.a. |
| 8 months | at maturity | 3.95% p.a. | 4.00% p.a. |
| 9 months | at maturity | 3.95% p.a. | 4.00% p.a. |
| 10 months | at maturity | 3.95% p.a. | 4.00% p.a. |
| 11 months | at maturity | 3.95% p.a. | 4.00% p.a. |
| 12 months | monthly | 4.85% p.a. | 4.90% p.a. |
| 12 months | quarterly | 4.85% p.a. | 4.90% p.a. |
| 12 months | half yearly | 4.90% p.a. | 4.95% p.a. |
| 12 months | at maturity | 5.00% p.a. | 5.00% p.a. |
| 24 months | monthly | 4.60% p.a. | 4.60% p.a. |
| 24 months | quarterly | 4.60% p.a. | 4.60% p.a. |
| 24 months | half yearly | 4.65% p.a. | 4.65% p.a. |
| 24 months | annually | 4.70% p.a. | 4.70% p.a. |
| 36 months | monthly | 3.90% p.a. | 3.90% p.a. |
| 36 months | quarterly | 3.90% p.a. | 3.90% p.a. |
| 36 months | half yearly | 3.95% p.a. | 3.95% p.a. |
| 36 months | annually | 4.00% p.a. | 4.00% p.a. |
Interest on Term Deposits is calculated by applying the daily percentage rate to the account balance and paid at intervals as specified in the tables above. The daily percentage rate is the applicable annual percentage rate divided by 365. We may allow you to break your Term Deposit before the Maturity Date, subject to you first providing us with a valid request in writing no less than 31 calendar days’ prior, unless financial hardship applies. At our discretion we may refuse to open or accept a Term Deposit at any time. If we allow you to access your term deposit funds before maturity, an interest rate reduction will apply. The amount of interest charged as an interest rate adjustment will depend on how early in the term you seek to access your funds. Percentage of term lapsed: 0% to less than 20% - Interest rate reduction 90% of your deposit rate 20% to less than 40% - Interest rate reduction 80% of your deposit rate, 40% to less than 60% - Interest rate reduction 60% of your deposit rate, 60% to less than 80% - Interest rate reduction 40% of your deposit rate 80% to less than 100% - Interest rate reduction 20% of your deposit rate
This is Part 3 – Deposit Interest Rate Schedule of the Product Disclosure Statement (PDS). It must be read in conjunction with:
Part 1 - Key Features and Terms and Conditions and Part 2 - Schedule of Fees and Charges and Transaction Limits.
You should review the PDS in its entirety when deciding to acquire, or continue to hold any of the products the PDS document covers.
