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Interest Rates

Rates effective from 10 March 2010 and subject to change without notice.

Simply Access (S1)
$1 - $24,999	0.05% p.a.
$25,000 - $49,999	0.10% p.a.
$50,000 +	0.25% p.a.
Step up interest rates calculated on daily balances and paid quarterly

Cash Management (S8)
$1 - $9,999	0.10% p.a.
$10,000 - $49,999	1.20% p.a.
$50,000 - $249,999	3.10% p.a.
$250,000 - $499,999	4.15% p.a.
$500,000 +	4.30% p.a.
Tiered interest rates calculated on daily balances and paid quarterly

Loan Offset (S9)
Set-off is equivalent to:
$1 - $4,999	1.00% p.a.
$5,000 +	2.00% p.a.
Tiered interest rates calculated on daily balances and set-off applied monthly to eligible linked Heritage loan account

Mortgage Crusher (S10)
Full set-off at daily balances applied monthly to eligible linked Heritage loan account

Club Cheque (S21)
All balances	0.05% p.a.
Interest calculated on daily balances and paid 3 monthly

Money Manager (S24) / Body Corporate (S16)
Working Rate	0.15% p.a.
Term rates (in addition to working rate)
$1 - $9,999	0.10% p.a.
$10,000 - $49,999	1.60% p.a.
$50,000 - $249,999	3.00% p.a.
$250,000 - $499,999	4.40% p.a.
$500,000 +	4.60% p.a.
Tiered interest rates calculated on daily balances and paid 3 monthly. Term rates available only on funds remaining in account for 3 months minimum

Pension Plus (S65)
$1 - $1,999	1.50% p.a.
$2,000 - $40,999	2.00% p.a.
$41,000 +	3.00% p.a.
Step up interest calculated on daily balances and paid monthly

Target Bonus (S12)
$1 - $4,999	Nil*
$5,000 +	0.50% p.a.
Bonus	2.50% p.a.
Tiered interest rate * Plus Bonus (if at least one deposit and no withdrawals)

Christmas Club (S14)
All balances	1.00% p.a.
Interest calculated on daily balances and paid monthly

on-lines@ver (S26)
$1 - $99,999	4.20% p.a.
$100,000 - $249,999	4.55% p.a.
$250,000 - $749,999	4.80% p.a.
$750,000 +	5.05% p.a.
Tiered interest rates calculated on daily balances and paid monthly

communitys@ver (S27)
$1 - $249,999	3.45% p.a.
$250,000 - $749,999	3.80% p.a.
$750,000 +	4.05% p.a.
Working Rate	0.10% p.a.
Tiered interest rates calculated on daily balances and paid monthly. Working rate will be applied if no Community Group is nominated. Community grant = 1% p.a.

Business Cheque Account (S13)
All balances	0.05% p.a.
Interest is calculated on daily balances and paid quarterly

Farm Management Account At Call (S70)
$1,000 - $49,999	2.75% p.a.
$50,000 +	3.00% p.a.

Farm Management Term Investment (I70)
$1,000 - $400,000	5.75% p.a.	12 months
$1,000 - $400,000	6.20% p.a.	24 months
Interest can be paid quarterly, annually or at maturity. If interest is paid quarterly - Deduct 0.10% from quoted interest rates