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Total Cost (Number of Years) Total Cost includes interest over the loan term eg, 5 years, plus all monthly fees, annual fees, application fees and discharge fees. Specifically it does not include any break fees and government fees. If the loan is for construction purpose, the application fee includes construction fees.

Total Cost includes interest over the loan term eg, 5 years, plus all monthly fees, annual fees, application fees and discharge fees. Specifically it does not include any break fees and government fees. If the loan is for construction purpose, the application fee includes construction fees.

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Lender	Product Name	VARIABLE	Comparison Rate	INTRO		FIXED RATES			Initial Monthly Payment	Total Cost At 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 15 years 20 years 25 years 30 years	Refund Up To
Lender	Product Name	VARIABLE	Comparison Rate	Intro Rate	Term (months)	2 Yr	3 Yr	5 Yr	Initial Monthly Payment		Refund Up To
	Premium Power Pack Variable (Interest Only) - Owner Occupied	4.42	4.80	4.42	0	-	-	-	0.00	$795	$0
	Premium Power Pack Variable (P & I) - Owner Occupied	4.69	5.07	4.69	0	-	-	-	0.00	$795	$0
	Premium Power Pack Variable (P & I) - Investment	4.99	5.36	4.99	0	-	-	-	0.00	$795	$0
	Flexi One Clear Alt Doc (P & I) 70%-75%	5.63	5.85	5.63	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc (P & I) 65%-70%	5.53	5.75	5.53	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc (P & I) 65%-70%	4.99	5.22	4.99	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (Interest Only) 70%-75%	5.93	6.15	5.93	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc (P & I) 70%-75%	5.19	5.42	5.19	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc (P & I) 75%-80%	5.29	5.52	5.29	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc (P & I) <55%	4.79	5.02	4.79	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (Interest Only) 55%-65%	5.73	5.95	5.73	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc PLUS (Interest Only) <55%	5.09	5.32	5.09	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (Interest Only) 65%-70%	5.83	6.05	5.83	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc PLUS (P & I) 65%-70%	5.29	5.52	5.29	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc (P & I) 55%-65%	5.43	5.66	5.43	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (P & I) 55%-65%	5.73	5.95	5.73	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc PLUS (P & I) 55%-65%	5.19	5.42	5.19	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc PLUS (Interest Only) 55%-65%	5.19	5.42	5.19	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc (P & I) 55%-65%	4.89	5.12	4.89	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc PLUS (P&I) <55%	5.09	5.32	5.09	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (Interest Only) <55%	5.63	5.85	5.63	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (P & I) 65%-70%	5.83	6.05	5.83	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc (P & I) <55%	5.33	5.56	5.33	0	-	-	-	0.00	$839	$0
	Flexi One Clear Alt Doc PLUS (P & I) 70%-75%	5.93	6.15	5.93	0	-	-	-	0.00	$839	$0
	Flexi One Clear Full Doc PLUS (Interest Only) 65%-70%	5.29	5.52	5.29	0	-	-	-	0.00	$839	$0
Lender	Product Name	VARIABLE	Comparison Rate	INTRO		FIXED RATES			Initial Monthly Payment	Total Cost	Refund Up To
Lender	Product Name	VARIABLE	Comparison Rate	Intro Rate	Term (months)	2 Yr	3 Yr	5 Yr	Initial Monthly Payment	Total Cost	Refund Up To

Lender	Product Name	Redraw	Redraw Fee	100% Offset
	Premium Power Pack Variable (Interest Only) - Owner Occupied		0.00
	Premium Power Pack Variable (P & I) - Owner Occupied		0.00
	Premium Power Pack Variable (P & I) - Investment		0.00
	Flexi One Clear Alt Doc (P & I) 70%-75%		0.00
	Flexi One Clear Alt Doc (P & I) 65%-70%		0.00
	Flexi One Clear Full Doc (P & I) 65%-70%		0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 70%-75%		0.00
	Flexi One Clear Full Doc (P & I) 70%-75%		0.00
	Flexi One Clear Full Doc (P & I) 75%-80%		0.00
	Flexi One Clear Full Doc (P & I) <55%		0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 55%-65%		0.00
	Flexi One Clear Full Doc PLUS (Interest Only) <55%		0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 65%-70%		0.00
	Flexi One Clear Full Doc PLUS (P & I) 65%-70%		0.00
	Flexi One Clear Alt Doc (P & I) 55%-65%		0.00
	Flexi One Clear Alt Doc PLUS (P & I) 55%-65%		0.00
	Flexi One Clear Full Doc PLUS (P & I) 55%-65%		0.00
	Flexi One Clear Full Doc PLUS (Interest Only) 55%-65%		0.00
	Flexi One Clear Full Doc (P & I) 55%-65%		0.00
	Flexi One Clear Full Doc PLUS (P&I) <55%		0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) <55%		0.00
	Flexi One Clear Alt Doc PLUS (P & I) 65%-70%		0.00
	Flexi One Clear Alt Doc (P & I) <55%		0.00
	Flexi One Clear Alt Doc PLUS (P & I) 70%-75%		0.00
	Flexi One Clear Full Doc PLUS (Interest Only) 65%-70%		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Premium Power Pack Variable (Interest Only) - Owner Occupied	795.00	345.00	0.00	608.00
	Premium Power Pack Variable (P & I) - Owner Occupied	795.00	345.00	0.00	608.00
	Premium Power Pack Variable (P & I) - Investment	795.00	345.00	0.00	608.00
	Flexi One Clear Alt Doc (P & I) 70%-75%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc (P & I) 65%-70%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc (P & I) 65%-70%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 70%-75%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc (P & I) 70%-75%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc (P & I) 75%-80%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc (P & I) <55%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 55%-65%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc PLUS (Interest Only) <55%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 65%-70%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc PLUS (P & I) 65%-70%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc (P & I) 55%-65%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (P & I) 55%-65%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc PLUS (P & I) 55%-65%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc PLUS (Interest Only) 55%-65%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc (P & I) 55%-65%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc PLUS (P&I) <55%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (Interest Only) <55%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (P & I) 65%-70%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc (P & I) <55%	839.00	0.00	15.00	250.00
	Flexi One Clear Alt Doc PLUS (P & I) 70%-75%	839.00	0.00	15.00	250.00
	Flexi One Clear Full Doc PLUS (Interest Only) 65%-70%	839.00	0.00	15.00	250.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Premium Power Pack Variable (Interest Only) - Owner Occupied	50000	30	80
	Premium Power Pack Variable (P & I) - Owner Occupied	50000	30	80
	Premium Power Pack Variable (P & I) - Investment	50000	30	95
	Flexi One Clear Alt Doc (P & I) 70%-75%	50000	30	75
	Flexi One Clear Alt Doc (P & I) 65%-70%	50000	30	70
	Flexi One Clear Full Doc (P & I) 65%-70%	50000	30	70
	Flexi One Clear Alt Doc PLUS (Interest Only) 70%-75%	50000	30	75
	Flexi One Clear Full Doc (P & I) 70%-75%	50000	30	75
	Flexi One Clear Full Doc (P & I) 75%-80%	50000	30	80
	Flexi One Clear Full Doc (P & I) <55%	50000	30	65
	Flexi One Clear Alt Doc PLUS (Interest Only) 55%-65%	50000	30	65
	Flexi One Clear Full Doc PLUS (Interest Only) <55%	50000	30	55
	Flexi One Clear Alt Doc PLUS (Interest Only) 65%-70%	50000	30	70
	Flexi One Clear Full Doc PLUS (P & I) 65%-70%	50000	30	70
	Flexi One Clear Alt Doc (P & I) 55%-65%	50000	30	65
	Flexi One Clear Alt Doc PLUS (P & I) 55%-65%	50000	30	65
	Flexi One Clear Full Doc PLUS (P & I) 55%-65%	50000	30	65
	Flexi One Clear Full Doc PLUS (Interest Only) 55%-65%	50000	30	65
	Flexi One Clear Full Doc (P & I) 55%-65%	50000	30	65
	Flexi One Clear Full Doc PLUS (P&I) <55%	50000	30	55
	Flexi One Clear Alt Doc PLUS (Interest Only) <55%	50000	30	55
	Flexi One Clear Alt Doc PLUS (P & I) 65%-70%	50000	30	70
	Flexi One Clear Alt Doc (P & I) <55%	50000	30	55
	Flexi One Clear Alt Doc PLUS (P & I) 70%-75%	50000	30	75
	Flexi One Clear Full Doc PLUS (Interest Only) 65%-70%	50000	30	70
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Premium Power Pack Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Premium Power Pack Variable (P & I) - Owner Occupied	$0.00	$0.00
	Premium Power Pack Variable (P & I) - Investment	$0.00	$0.00
	Flexi One Clear Alt Doc (P & I) 70%-75%	$0.00	$0.00
	Flexi One Clear Alt Doc (P & I) 65%-70%	$0.00	$0.00
	Flexi One Clear Full Doc (P & I) 65%-70%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 70%-75%	$0.00	$0.00
	Flexi One Clear Full Doc (P & I) 70%-75%	$0.00	$0.00
	Flexi One Clear Full Doc (P & I) 75%-80%	$0.00	$0.00
	Flexi One Clear Full Doc (P & I) <55%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 55%-65%	$0.00	$0.00
	Flexi One Clear Full Doc PLUS (Interest Only) <55%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) 65%-70%	$0.00	$0.00
	Flexi One Clear Full Doc PLUS (P & I) 65%-70%	$0.00	$0.00
	Flexi One Clear Alt Doc (P & I) 55%-65%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (P & I) 55%-65%	$0.00	$0.00
	Flexi One Clear Full Doc PLUS (P & I) 55%-65%	$0.00	$0.00
	Flexi One Clear Full Doc PLUS (Interest Only) 55%-65%	$0.00	$0.00
	Flexi One Clear Full Doc (P & I) 55%-65%	$0.00	$0.00
	Flexi One Clear Full Doc PLUS (P&I) <55%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (Interest Only) <55%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (P & I) 65%-70%	$0.00	$0.00
	Flexi One Clear Alt Doc (P & I) <55%	$0.00	$0.00
	Flexi One Clear Alt Doc PLUS (P & I) 70%-75%	$0.00	$0.00
	Flexi One Clear Full Doc PLUS (Interest Only) 65%-70%	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

Page 2 of 12

The comparison rate is based on a loan 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.

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