Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000.

Star Saver

^Star Saver customers with an increase in savings of $200 or more, per calendar month, will receive the additional bonus rate of 3.75% p.a. for the month where such balance growth was achieved. Bonus interest offer is subject to change without notice. The Standard Star Saver Base Interest Rate of 1.05% applies where balance growth was not achieved. Offer not available in conjunction with previous offers.

˜ Star Saver account must be linked to our Easy Access transaction account which may incur a monthly fee if requirements are not met.

Loans

#All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice.

*The comparison rate is based on a loan amount of $150,000 repayable over 25 years.

^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

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.

Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.