Term Deposit rates

Call Business Direct on
132 772 or speak to your Relationship Manager

Interest rates current as at 19/11/2008.

Table 1. Special rates

Interest rates % p.a. All amounts in Australian dollars. Interest paid at maturity (for terms 12 months or less) or annually (for terms greater than 12 months).

Term	For amounts $100,000 < $250,000	For amounts $50,000 < $100,000	For amounts $20,000 < $50,000	For amounts $10,000 < $20,000	For amounts $5,000 < $10,000
4 < 5 months	6.00%	6.00%	6.00%	6.00%	6.00%
7 < 8 months	5.00%	5.00%	5.00%	5.00%	5.00%
12 < 24 months	3.40%	3.30%	3.20%	3.10%	3.00%
36 < 48 months	5.50%	5.50%	5.50%	5.50%	5.50%
60 months	6.20%	6.20%	6.20%	6.20%	6.20%

Rates subject to change

Note: special rates are not available in conjunction with any bonus interest or other special rates offered by the bank.

Rates for all terms

For amounts $5,000 < $10,000

For amounts $10,000 < $20,000

For amounts $20,000 < $50,000

For amounts $50,000 < $100,000

For amounts $100,000 < $250,000

Rates for deposits of $250,000 and over are available on request or by calling 132 032. Rates subject to change.

Table 2. For amounts $100,000 to less than $250,000

Interest rates % p.a. All amounts in Australian dollars.

Term	Interest paid at maturity	Interest paid annually	Interest paid monthly
1 < 2 months	1.60%	-	1.60%
2 < 3 months	1.90%	-	1.70%
3 < 4 months	3.40%	-	3.20%
4 < 5 months	6.00%	-	5.80%
5 < 6 months	3.40%	-	3.20%
6 < 7 months	3.40%	-	3.20%
7 < 8 months	5.00%	-	4.80%
8 < 9 months	3.40%	-	3.20%
9 < 10 months	3.40%	-	3.20%
10 < 11 months	3.40%	-	3.20%
11 < 12 months	4.75%	-	4.55%
12 < 24 months	-	3.40%	3.20%
24 < 36 months	-	5.00%	4.80%
36 < 48 months		5.50%	5.30%
48 < 60 months		4.50%	4.30%
60 months		6.20%	6.00%

Table 3. For amounts $50,000 to less than $100,000

Interest rates % p.a. All amounts in Australian dollars.

Term	Interest paid at maturity	Interest paid annually	Interest paid monthly
1 < 2 months	1.50%	-	1.50%
2 < 3 months	1.80%	-	1.60%
3 < 4 months	3.30%	-	3.10%
4 < 5 months	6.00%	-	5.80%
5 < 6 months	3.30%	-	3.10%
6 < 7 months	3.30%	-	3.10%
7 < 8 months	5.00%	-	4.80%
8 < 9 months	3.30%	-	3.10%
9 < 10 months	3.30%	-	3.10%
10 < 11 months	3.30%	-	3.10%
11 < 12 months	4.75%	-	4.55%
12 < 24 months	-	3.30%	3.10%
24 < 36 months		5.00%	4.80%
36 < 48 months		5.50%	5.30%
48 < 60 months		4.50%	4.30%
60 months	-	6.20%	6.00%

Table 4. For amounts $20,000 to less than $50,000

Interest rates % p.a. All amounts in Australian dollars.

Term	Interest paid at maturity	Interest paid annually	Interest paid monthly
1 < 2 months	1.40%	-	1.40%
2 < 3 months	1.70%	-	1.50%
3 < 4 months	3.20%	-	3.00%
4 < 5 months	6.00%	-	5.80%
5 < 6 months	3.20%	-	3.00%
6 < 7 months	3.20%	-	3.00%
7 < 8 months	5.00%	-	4.80%
8 < 9 months	3.20%	-	3.00%
9 < 10 months	3.20%	-	3.00%
10 < 11 months	3.20%	-	3.00%
11 < 12 months	4.75%	-	4.55%
12 < 24 months	-	3.20%	3.00%
24 < 36 months		5.00%	4.80%
36 < 48 months		5.50%	5.30%
48 < 60 months		4.50%	4.30%
60 months	-	6.20%	6.00%

Table 5. For amounts $10,000 to less than $20,000

Interest rates % p.a. All amounts in Australian dollars.

Term	Interest paid at maturity	Interest paid annually	Interest paid monthly
1 < 2 months	1.30%	-	1.30%
2 < 3 months	1.60%	-	1.40%
3 < 4 months	3.10%	-	2.90%
4 < 5 months	6.00%	-	5.80%
5 < 6 months	3.10%	-	2.90%
6 < 7 months	3.10%	-	2.90%
7 < 8 months	5.00%	-	4.80%
8 < 9 months	3.10%	-	2.90%
9 < 10 months	3.10%	-	2.90%
10 < 11 months	3.10%	-	2.90%
11 < 12 months	4.75%	-	4.55%
12 < 24 months	-	3.10%	2.90%
24 < 36 months	-	5.00%	4.80%
36 < 48 months	-	5.50%	5.30%
48 < 60 months	-	4.50%	4.30%
60 months	-	6.20%	6.00%

Table 6. For amounts $5,000 to less than $10,000

Interest rates % p.a. All amounts in Australian dollars.

Term	Interest paid at maturity	Interest paid annually	Interest paid monthly
1 < 2 months	1.20%	-	1.20%
2 < 3 months	1.50%	-	1.30%
3 < 4 months	3.00%	-	2.80%
4 < 5 months	6.00%	-	5.80%
5 < 6 months	3.00%	-	2.80%
6 < 7 months	3.00%	-	2.80%
7 < 8 months	5.00%	-	4.80%
8 < 9 months	3.00%	-	2.80%
9 < 10 months	3.00%	-	2.80%
10 < 11 months	3.00%	-	2.80%
11 < 12 months	4.75%	-	4.55%
12 < 24 months	-	3.00%	2.80%
24 < 36 months	-	5.00%	4.80%
36 < 48 months	-	5.50%	5.30%
48 < 60 months	-	4.50%	4.30%
60 months	-	6.20%	6.00%

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