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Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (5.84%*) • Fixed: 5.39% (5.84%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.19%*) • Investment PI: 5.55% (6.02%*)

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Owner Occ. Variable

Interest*

5.69%

Comparison*

5.89%

5.69%

5.89%

5.69%

8.11%

5.84%

5.89%

Owner Occ. Fixed

Interest*

5.39%

Comparison*

5.84%

5.39%

5.89%

5.39%

5.95%

5.39%

6.02%

Invest Interest Only

Interest*

5.69%

Comparison*

6.19%

5.69%

6.25%

5.69%

6.32%

5.69%

6.40%

Invest Loans

Interest*

5.55%

Comparison*

6.02%

5.55%

6.08%

5.55%

6.14%

5.55%

6.21%

Billions Capital