Everyday Account Interest Rates

• ¹ 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. Penalty Interest will be charged at a rate of 20.00% per annum on overdrawn accounts. This penalty interest will be calculated daily and charged on a monthly basis.
• ² Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid monthly on the last day of each 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 accounts. This penalty interest will be calculated daily and charged on a monthly basis.
• ³ Interest is calculated by applying the daily percentage rate applicable to the daily balance to the entire balance. Interest is not credited to your account but interest which would otherwise be payable is offset against the interest charged each month on your loan. The daily percentage rate is the applicable annual percentage rate divided by 365.

_{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 consider the PDS in its entirety in deciding whether to acquire or continue to hold and of the products the subject of the PDS.

Note: The Loan Saver account has been approved by the Australian Taxation Office only on the basis that no interest is earned. The interest offset accrues on these accounts up to the point where the balance of the account equals the balance owing on the home loan. No interest offset accrues on the portion of the balance of the Loan Saver Account which exceeds the balance outstanding on the loan.