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Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

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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*

6.59%

5.39%

6.67%

5.49%

5.98%

5.49%

5.98%

Invest Interest Only

Interest*

5.69%

Comparison*

6.48%

5.69%

7.11%

5.69%

7.74%

5.69%

7.95%

Invest Loans

Interest*

5.39%

Comparison*

6.59%

5.49%

5.98%

5.59%

7.71%

5.59%

7.93%

Billions Capital