Statement Savings Account, Achiever Account^ and Spend Account^ Interest Rates

The Statement Savings Account is a convenient and cost-effective transactional account designed to meet your day-to-day banking needs. With no account keeping fees, unlimited over the counter deposits, free phone and internet banking, cash card access throughout Australia and the option of Visa Debit card access throughout the world, the Statement Savings Account make managing your money easy.

Account Balance Range	Annual Interest Rate (as at 30 Jul 2010)	Method of Calculating Interest	How Interest is Calculated	When Interest is Calculated
Up to $1,999.99	0.01% pa	Strata Interest	We apply the daily percentage rate* to the different portions of your account balance at the start of each day.	Interest is credited to your account half yearly after the close of business at the end of June and December.
$2,000.00 - $4,999.99	0.01% pa
$5,000.00 - $19,999.99	0.01% pa
$20,000.00 - $49,999.99	0.01% pa
$50,000.00 plus	0.01% pa
Penalty Interest on Overdrawn Account		20% pa on amount overdrawn

Method of calculating interest:
Strata Interest - Means different interest rates apply to different portions of your account balance.

* The daily percentage rate is the relevant annual interest rate(s) divided by 365.
^ This product is no longer available for sale.

Statement Savings Account when linked to a Premium Plus Package Home Loan Interest Rates

Account Balance Range	Annual Interest Rate (as at 30 Jul 2010)	Method of Calculating Interest	How Interest is Calculated	When Interest is Calculated
Up to $1,999.99	1.01% pa	Strata Interest	We apply the daily percentage rate* to the different portions of your account balance at the start of each day.	Interest is credited to your account half yearly after the close of business at the end of June and December.
$2,000.00 - $4,999.99	1.01% pa
$5,000.00 - $19,999.99	1.01% pa
$20,000.00 - $49,999.99	1.01% pa
$50,000.00 plus	1.01% pa
Penalty Interest on Overdrawn Account		20% pa on amount overdrawn

Statement Savings Account, Achiever Account^ and Spend Account^ Interest Rates

Method of calculating interest: Strata Interest - Means different interest rates apply to different portions of your account balance. * The daily percentage rate is the relevant annual interest rate(s) divided by 365. ^ This product is no longer available for sale.

Statement Savings Account when linked to a Premium Plus Package Home Loan Interest Rates

Method of calculating interest: Strata Interest - Means different interest rates apply to different portions of your account balance.

* The daily percentage rate is the relevant annual interest rate(s) divided by 365.

Method of calculating interest:
Strata Interest - Means different interest rates apply to different portions of your account balance.

* The daily percentage rate is the relevant annual interest rate(s) divided by 365.
^ This product is no longer available for sale.

Method of calculating interest:
Strata Interest - Means different interest rates apply to different portions of your account balance.