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Footnotes:

• ¹ 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. Penalty Interest will be charged at a rate of 20.00% per annum on overdrawn savings accounts. This penalty interest will be calculated daily and charged on a monthly basis.
• ² The Discounted Variable Rate Home Loan interest rate on the Owner Occupied - Package Home Loan Variable Rate Home Loan is available for new borrowers applying for Owner Occupied - Package Home Loan Variable Rate Home Loan with principal and interest repayments, a minimum balance of $150,000 and the loan security Loan to Value Ratio (LVR) of less than 90% as approved by The Mutual Bank.  The Discounted Variable Rate Home Loan interest rate reverts to the Owner Occupied- Package Home Loan Variable Rate Home Loan interest rate at the end of the 12 month discount period.
• ³ Each of the above comparison rates is calculated on the basis that the loan is secured with repayments made at monthly intervals. Comparison rate calculated on the loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. NOTE: All loans are subject to The Mutual Bank's lending guidelines. Full details of Terms and Conditions are available on application. Eligibility criteria, conditions, fees and charges apply to all loans.