SENIORS EQUITY RELEASE Features Key Features Designed for Retirees 60yrs & over   Enables you to tap into the value of property without selling Variable Interest Rate p Fixed Rates available 10 & 5 yrs terms Available Australia wide p Minimum Loan Size $10,000 Maximum Loan Size $500,000 Maximum Loan to Value Ratio with Mortgage Insurance No LMI 15% - 40% Capitalisation of Mortgage Insurance available n/a Mortgage Insurance payable by Borrower on all LVRs greater than 80% Max LVR 40% Additional Payments without penalty p (Variable Only) Redraw Facility p Cost for Redraw $50 Minimum Redraw $2,000 Split Loan Available p Number of Splits available 2 Line Of Credit X Purpose Purchase / Refinance Owner Occupied Home p Purchase / Refinance Investment Property p Debt Consolidation p Property Renovation / Improvement p General Investment Purposes p Business Purposes p Construction fixed price contract X Construction investment owner builder (max 50% LVR) X Vacant Land – No Loading X Set Up Costs Establishment Fee X Application Fees X Valuation Fee $200 apprx Legal Fees $300 apprx Mortgage Insurance all LVRs $5 per month Ongoing Fees p Statements Quarterly Full Internet Account Management X Settlement Fee $395 Payment Options Principal and Interest n/a Interest Only n/a Interest Capitalisation n/a Maximum Interest Only Option p Repayments Monthly p Fortnightly p Weekly p Direct Salary Credit at any time X Maximum Loan Term No Maximum – Life Time Types Individuals p Companies & Trusts X Acceptable Security Standard Residential p Marketing Suggestions Competitively priced full featured loan p Personal access to Portfolio Manager p Generous security property parameters p Optional Cheque book available on offset account n/a Fully interactive account management n/a No Establishment, ongoing or transaction fees x Credit Card Available on Line of Credit x n/a

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