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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
	ABL (B) Variable (Interest Only) - Investment	5.31	5.47	5.31	0	-	-	-	0.00	$695	$0
	ABL (B) Fixed (Interest Only) - Investment (Low Doc)	6.16	6.32	6.16	0	5.63	5.76	5.98	0.00	$695	$0
	ABL (B) Fixed (P & I) - Owner Occupied (Low Doc)	5.71	5.87	5.71	0	5.53	5.66	5.88	0.00	$695	$0
	ABL (B) Variable (P & I) - Investment (Low Doc)	6.16	6.32	6.16	0	-	-	-	0.00	$695	$0
	ABL (B) Fixed (P & I) - Investment (Low Doc)	6.16	6.32	6.16	0	5.63	5.76	5.98	0.00	$695	$0
	ABL (B) Fixed (Interest Only) - Investment	5.31	5.47	5.31	0	4.78	4.91	5.13	0.00	$695	$0
	True Blue Expats Fixed (P & I)	4.74	5.10	4.74	0	4.87	5.08	-	0.00	$695	$0
	ABL (B) Variable (Interest Only) - Owner Occupied (Low Doc)	5.71	5.87	5.71	0	-	-	-	0.00	$695	$0
	True Blue Expats Variable (P & I)	4.74	5.10	4.74	0	-	-	-	0.00	$695	$0
	ABL (B) Variable (Interest Only) - Owner Occupied	4.76	4.92	4.76	0	-	-	-	0.00	$695	$0
	True Blue Expats Variable (P & I and No Annual Fee)	4.84	4.89	4.84	0	-	-	-	0.00	$695	$0
	ABL (B) Variable (P & I) - Owner Occupied (Low Doc)	5.71	5.87	5.71	0	-	-	-	0.00	$695	$0
	True Blue Variable (Interest Only)	5.09	5.44	5.09	0	-	-	-	0.00	$695	$0
	ABL (B) Fixed (Interest Only) - Owner Occupied (Low Doc)	5.71	5.87	5.71	0	-	-	-	0.00	$695	$0
	True Blue Expats Fixed (No Annual Fee) (P & I)	4.84	4.89	4.84	0	-	-	-	0.00	$695	$0
	ABL (B) Fixed (P & I) - Owner Occupied	4.76	4.92	4.76	0	-	-	-	0.00	$695	$0
	True Blue Variable (P & I)	4.69	5.05	4.69	0	-	-	-	0.00	$695	$0
	Credit Gold Variable (P & I) - Investment	5.25	5.30	5.25	0	-	-	-	0.00	$795	$0
	Credit Power Pack Variable (P & I) - Owner Occupied	4.57	4.74	4.57	0	-	-	-	0.00	$795	$0
	Credit Gold Variable (Interest Only) - Owner Occupied	5.25	5.30	5.25	0	-	-	-	0.00	$795	$0
	Credit Power Pack Variable (Interest Only) - Investment	5.15	5.31	5.15	0	-	-	-	0.00	$795	$0
	Credit Gold Variable (Interest Only) - Investment	5.25	5.30	5.25	0	-	-	-	0.00	$795	$0
	Credit Power Pack Variable (Interest Only) - Owner Occupied	5.15	5.31	5.15	0	-	-	-	0.00	$795	$0
	Credit Gold Variable (P & I) - Owner Occupied	5.25	5.30	5.25	0	-	-	-	0.00	$795	$0
	Credit Power Pack Variable (P & I) - Investment	5.15	5.31	5.15	0	-	-	-	0.00	$795	$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
	ABL (B) Variable (Interest Only) - Investment		0.00
	ABL (B) Fixed (Interest Only) - Investment (Low Doc)		0.00
	ABL (B) Fixed (P & I) - Owner Occupied (Low Doc)		0.00
	ABL (B) Variable (P & I) - Investment (Low Doc)		0.00
	ABL (B) Fixed (P & I) - Investment (Low Doc)		0.00
	ABL (B) Fixed (Interest Only) - Investment		0.00
	True Blue Expats Fixed (P & I)		0.00
	ABL (B) Variable (Interest Only) - Owner Occupied (Low Doc)		0.00
	True Blue Expats Variable (P & I)		0.00
	ABL (B) Variable (Interest Only) - Owner Occupied		0.00
	True Blue Expats Variable (P & I and No Annual Fee)		0.00
	ABL (B) Variable (P & I) - Owner Occupied (Low Doc)		0.00
	True Blue Variable (Interest Only)		0.00
	ABL (B) Fixed (Interest Only) - Owner Occupied (Low Doc)		0.00
	True Blue Expats Fixed (No Annual Fee) (P & I)		0.00
	ABL (B) Fixed (P & I) - Owner Occupied		0.00
	True Blue Variable (P & I)		0.00
	Credit Gold Variable (P & I) - Investment		0.00
	Credit Power Pack Variable (P & I) - Owner Occupied		0.00
	Credit Gold Variable (Interest Only) - Owner Occupied		0.00
	Credit Power Pack Variable (Interest Only) - Investment		0.00
	Credit Gold Variable (Interest Only) - Investment		0.00
	Credit Power Pack Variable (Interest Only) - Owner Occupied		0.00
	Credit Gold Variable (P & I) - Owner Occupied		0.00
	Credit Power Pack Variable (P & I) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	ABL (B) Variable (Interest Only) - Investment	695.00	0.00	10.00	390.00
	ABL (B) Fixed (Interest Only) - Investment (Low Doc)	695.00	0.00	10.00	390.00
	ABL (B) Fixed (P & I) - Owner Occupied (Low Doc)	695.00	0.00	10.00	390.00
	ABL (B) Variable (P & I) - Investment (Low Doc)	695.00	0.00	10.00	390.00
	ABL (B) Fixed (P & I) - Investment (Low Doc)	695.00	0.00	10.00	390.00
	ABL (B) Fixed (Interest Only) - Investment	695.00	0.00	10.00	390.00
	True Blue Expats Fixed (P & I)	695.00	330.00	0.00	873.00
	ABL (B) Variable (Interest Only) - Owner Occupied (Low Doc)	695.00	0.00	10.00	390.00
	True Blue Expats Variable (P & I)	695.00	330.00	0.00	0.00
	ABL (B) Variable (Interest Only) - Owner Occupied	695.00	0.00	10.00	0.00
	True Blue Expats Variable (P & I and No Annual Fee)	695.00	0.00	0.00	0.00
	ABL (B) Variable (P & I) - Owner Occupied (Low Doc)	695.00	0.00	10.00	0.00
	True Blue Variable (Interest Only)	695.00	330.00	0.00	0.00
	ABL (B) Fixed (Interest Only) - Owner Occupied (Low Doc)	695.00	0.00	10.00	0.00
	True Blue Expats Fixed (No Annual Fee) (P & I)	695.00	0.00	0.00	0.00
	ABL (B) Fixed (P & I) - Owner Occupied	695.00	0.00	10.00	0.00
	True Blue Variable (P & I)	695.00	330.00	0.00	0.00
	Credit Gold Variable (P & I) - Investment	795.00	0.00	0.00	0.00
	Credit Power Pack Variable (P & I) - Owner Occupied	795.00	120.00	0.00	0.00
	Credit Gold Variable (Interest Only) - Owner Occupied	795.00	0.00	0.00	0.00
	Credit Power Pack Variable (Interest Only) - Investment	795.00	120.00	0.00	0.00
	Credit Gold Variable (Interest Only) - Investment	795.00	0.00	0.00	0.00
	Credit Power Pack Variable (Interest Only) - Owner Occupied	795.00	120.00	0.00	0.00
	Credit Gold Variable (P & I) - Owner Occupied	795.00	0.00	0.00	0.00
	Credit Power Pack Variable (P & I) - Investment	795.00	120.00	0.00	0.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	ABL (B) Variable (Interest Only) - Investment	50000	30
	ABL (B) Fixed (Interest Only) - Investment (Low Doc)	50000	30	80
	ABL (B) Fixed (P & I) - Owner Occupied (Low Doc)	50000	30	80
	ABL (B) Variable (P & I) - Investment (Low Doc)	50000	30	80
	ABL (B) Fixed (P & I) - Investment (Low Doc)	50000	30	60
	ABL (B) Fixed (Interest Only) - Investment	50000	30
	True Blue Expats Fixed (P & I)	30000	30
	ABL (B) Variable (Interest Only) - Owner Occupied (Low Doc)	50000	30	80
	True Blue Expats Variable (P & I)	30000	30
	ABL (B) Variable (Interest Only) - Owner Occupied	50000	30
	True Blue Expats Variable (P & I and No Annual Fee)	30000	30
	ABL (B) Variable (P & I) - Owner Occupied (Low Doc)	50000	30
	True Blue Variable (Interest Only)	30000	30
	ABL (B) Fixed (Interest Only) - Owner Occupied (Low Doc)	50000	30
	True Blue Expats Fixed (No Annual Fee) (P & I)	30000	30
	ABL (B) Fixed (P & I) - Owner Occupied	50000	30
	True Blue Variable (P & I)	30000	30
	Credit Gold Variable (P & I) - Investment	50000	30
	Credit Power Pack Variable (P & I) - Owner Occupied	50000	30
	Credit Gold Variable (Interest Only) - Owner Occupied	50000	30
	Credit Power Pack Variable (Interest Only) - Investment	50000	30
	Credit Gold Variable (Interest Only) - Investment	50000	30
	Credit Power Pack Variable (Interest Only) - Owner Occupied	50000	30
	Credit Gold Variable (P & I) - Owner Occupied	50000	30
	Credit Power Pack Variable (P & I) - Investment	50000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	ABL (B) Variable (Interest Only) - Investment	$0.00	$0.00
	ABL (B) Fixed (Interest Only) - Investment (Low Doc)	$0.00	$0.00
	ABL (B) Fixed (P & I) - Owner Occupied (Low Doc)	$0.00	$0.00
	ABL (B) Variable (P & I) - Investment (Low Doc)	$0.00	$0.00
	ABL (B) Fixed (P & I) - Investment (Low Doc)	$0.00	$0.00
	ABL (B) Fixed (Interest Only) - Investment	$0.00	$0.00
	True Blue Expats Fixed (P & I)	$0.00	$0.00
	ABL (B) Variable (Interest Only) - Owner Occupied (Low Doc)	$0.00	$0.00
	True Blue Expats Variable (P & I)	$0.00	$0.00
	ABL (B) Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	True Blue Expats Variable (P & I and No Annual Fee)	$0.00	$0.00
	ABL (B) Variable (P & I) - Owner Occupied (Low Doc)	$0.00	$0.00
	True Blue Variable (Interest Only)	$0.00	$0.00
	ABL (B) Fixed (Interest Only) - Owner Occupied (Low Doc)	$0.00	$0.00
	True Blue Expats Fixed (No Annual Fee) (P & I)	$0.00	$0.00
	ABL (B) Fixed (P & I) - Owner Occupied	$0.00	$0.00
	True Blue Variable (P & I)	$0.00	$0.00
	Credit Gold Variable (P & I) - Investment	$0.00	$0.00
	Credit Power Pack Variable (P & I) - Owner Occupied	$0.00	$0.00
	Credit Gold Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Credit Power Pack Variable (Interest Only) - Investment	$0.00	$0.00
	Credit Gold Variable (Interest Only) - Investment	$0.00	$0.00
	Credit Power Pack Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Credit Gold Variable (P & I) - Owner Occupied	$0.00	$0.00
	Credit Power Pack Variable (P & I) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

Page 2 of 10

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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