BASIC LOAN Features Key Features Simple Easy set up, Set and Forget Variable Interest Rate p Fixed Rates available p Available Australia wide p Minimum Loan Size $30,000 Maximum Loan Size $500,000 Maximum Loan to Value Ratio with Mortgage Insurance 90% Capitalisation of Mortgage Insurance available x Mortgage Insurance payable by Borrower on all LVRs greater than 80% p Additional Payments without penalty p Redraw Facility p Cost for Redraw $0 Minimum Redraw (manual) $2000 Split Loan Available x Number of Splits available 0 Purpose Purchase / Refinance Owner Occupied Home p  Purchase / Refinance Investment Property p  Debt Consolidation p  Property Renovation / Improvement x General Investment Purposes p Business Purposes x Construction fixed price contract x Construction investment owner builder (max 50% LVR) x Set Up Costs Establishment Fee $132 Application Fees $330 Valuation Fee (Depending on size and location) $245 (Standard Valuations) Legal Fees $407 (Ex Disbursements) Ongoing Fees $0 Statements 6 monthly Full Internet Account Management x Bpay x ATM Access to redraw funds x EFTPOS Access to Redraw funds x Deposit Card x Fees for ATM, EFTPOS and Internet transactions x 100% Mortgage Offset account available x Payment Options Principal and Interest p   Interest Only p   Interest Capitalisation x Maximum Interest Only Option 5 Years Repayments Monthly p   Fortnightly p   Weekly p   Direct Salary Credit at any time x Maximum Loan Term 30 Years Types Individuals p   Companies & Trusts x Acceptable Security Standard Residential p   1 Bed Studio apartments (Min 40m2)* x Serviced Apartments (Min 40m2)** x Multi Dwellings on one title (Max 4 dwellings)** x High Density (Min 40m2 in capital cities, 50m2 other areas)*** x Marketing Suggestions Competitively priced full featured term loan p Personal access to Portfolio Manager x Generous security property parameters p Optional Cheque book available on offset account x Fully interactive account management x ATM & EFTPOS access to additional repayments x Any worthwhile loan purpose including business purposes x No Establishment, ongoing or transaction fees x

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