PERSONAL CREDIT FACILITIES

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1 LOAN INTEREST RATES Effective from: 1 February 2018 Interest rates quoted are effective at the date of this update for new applicants only. Interest rates quoted are for Principal & Interest facilities only. Rates for Interest Only facilities are available on application. Rates for LVR over 80% are available on application HOUSING LOANS Home Sweet Home Loan () - Owner occupied Minimum Loan $100,000 Standard 4.79% 5.13% * 1 Keep It Simple Home Loan () - Owner occupied Owner Occupied 4.99% 5.02% * 1 Residential Investment Loan () Minimum Loan $30,000 Standard 5.89% 6.01% * 1 Fixed N Easy (Fixed Rate) Owner Occupied Fixed N Easy (Fixed Rate) - Investment 1 year fixed rate 4.19% 4.85% 1 2 year fixed rate 4.29% 4.82% 1 3 year fixed rate 4.49% 4.83% 1 5 year fixed rate 4.79% 4.91% 1 1 year fixed rate 5.49% 5.97% 1 2 year fixed rate 5.69% 5.97% 1 3 year fixed rate 5.89% 6.01% 1 5 year fixed rate 6.19% 6.14% 1 PERSONAL CREDIT FACILITIES Personal Loans Equity Plus Loan Secured by Residential Mortgage 5.85% 6.32% * 2 Fixed Term Deposit 4.74% 4.74% * 2 New Car, Caravan/Motor Home, Motor Bike or Boat Loan Secured by Purchase 5.49% 5.49% *2 Car 1-5 Years of Age Loan Secured by Purchase 6.49% 6.77% *2

2 Secured Personal Loan Secured by Goods Mortgage 9.00% 9.28% * 2 Unsecured Personal Loan 14.00% 14.30% * 2 Revolving Credit Facilities Personal Overdrafts / Line of credit Mortgage Secured # Unsecured^ Overdraft / Line of credit 5.85% 13.50% Credit Card Purchases Cash Advance Credit Card 11.99% 18.99% WITHDRAWN HOME AND INVESTMENT LOANS NO LONGER AVAILABLE FOR NEW BORROWINGS Live Life Home Loan () - Owner occupied or investment ( Product withdrawn on 13 April 2017) Minimum Loan $5,000 Owner Occupied 5.39% 5.51% * 1 Investment 5.39% 5.51% * 1 Keep It Simple Home Loan () Investment ( Product withdrawn 13 April 2017) Investment 4.79% 4.82% * 1 Business Facilities Business Loans & Overdrafts Business Loan Business Overdraft Commercial loans and overdrafts are available. For indicative rates call us on

3 UNDERSTANDING COMPARISON RATES On all Holiday Coast advertisements for home and personal loans, you will see a comparison rate appearing after the interest rate. A comparison rate is a tool designed to help consumers identify the true cost of a loan. The comparison rate includes the annual interest rate and the upfront and ongoing fees and charges relating to the loan expressed as a single percentage figure. For example, an advertisement displaying an interest rate of 5.99% p.a. may have a comparison rate of 6.95% p.a. when you include all of the costs associated with the loan. Under the Federal Government s National Credit Code, all lenders must include a comparison rate, in addition to other prescribed information, whenever they advertise an interest rate for consumer lending products (excluding credit cards and continuing credit facilities). Compare with caution Comparison rates can be a useful tool for comparing the overall cost of different loans, however they have some shortcomings. Many add-on features which you may find very valuable are not taken into account in the calculation of the comparison rate. When choosing a loan, it is important to research the features of each loan to find the product that suits you best. You ll find all of Holiday Coast s award-winning loans offer many features that are not always available from our competitors. These features are not reflected within a comparison rate. Note: Fees, Charges, Terms & Conditions apply. Margins may apply. Applications for finance are subject to Holiday Coast s normal credit approval. Full terms and conditions and interest rates will be included in our loan offer. Further details on our loan products, current interest rates, and fees & charges are available from any branch, by visiting our website at or by phoning # This information is correct at the time of printing. Holiday Coast Credit Union reserves the right to change terms and conditions at any time. Rate available for products secured by Residential Mortgage or Fixed Term Deposit ^ Maximum Unsecured Line of Credit / Overdraft is $5,000 Warning: The comparison rates are 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. *1: Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. All fixed rate loans with principal and interest repayments revert to our Home Sweet Home Loan Variable rate at the completion of the applicable fixed rate period. *2: Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments.

4 Special Offers New Business Only Effective from: 2 October 2017 Interest rates quoted are effective at the date of this update for new applicants only. Interest rates quoted are for Principal & Interest facilities only. Conditions Apply for all New Business HOUSING LOANS Home Sweet Home Loan () - Owner occupied Minimum Loan $150,000 Standard 4.29% 4.64% * 1 Residential Investment Loan () Minimum Loan $30,000 Standard 5.39% 5.51% * 1 Fixed N Easy (Fixed Rate) Owner Occupied Fixed N Easy (Fixed Rate) - Investment 1 year fixed rate 3.69% 4.81% 1 2 year fixed rate 3.79% 4.73% 1 3 year fixed rate 3.99% 4.70% 1 4 year fixed rate 4.39% 4.78% 1 5 year fixed rate 4.49% 4.74% 1 1 year fixed rate 4.99% 5.47% 1 2 year fixed rate 5.19% 5.47% 1 3 year fixed rate 5.39% 5.51% 1 4 year fixed rate 5.79% 5.65% 1 5 year fixed rate 5.89% 5.73% 1

5 UNDERSTANDING COMPARISON RATES On all Holiday Coast advertisements for home and personal loans, you will see a comparison rate appearing after the interest rate. A comparison rate is a tool designed to help consumers identify the true cost of a loan. The comparison rate includes the annual interest rate and the upfront and ongoing fees and charges relating to the loan expressed as a single percentage figure. For example, an advertisement displaying an interest rate of 5.99% p.a. may have a comparison rate of 6.95% p.a. when you include all of the costs associated with the loan. Under the Federal Government s National Credit Code, all lenders must include a comparison rate, in addition to other prescribed information, whenever they advertise an interest rate for consumer lending products (excluding credit cards and continuing credit facilities). Compare with caution Comparison rates can be a useful tool for comparing the overall cost of different loans, however they have some shortcomings. Many add-on features which you may find very valuable are not taken into account in the calculation of the comparison rate. When choosing a loan, it is important to research the features of each loan to find the product that suits you best. You ll find all of Holiday Coast s award-winning loans offer many features that are not always available from our competitors. These features are not reflected within a comparison rate. Note: Fees, Charges, Terms & Conditions apply. Margins may apply. Applications for finance are subject to Holiday Coast s normal credit approval. Full terms and conditions and interest rates will be included in our loan offer. Further details on our loan products, current interest rates, and fees & charges are available from any branch, by visiting our website at or by phoning # This information is correct at the time of printing. Holiday Coast Credit Union reserves the right to change terms and conditions at any time. Rate available for products secured by Residential Mortgage or Fixed Term Deposit ^ Maximum Unsecured Line of Credit / Overdraft is $5,000 Warning: The comparison rates are 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. *1: Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. All fixed rate loans with principal and interest repayments revert to our Home Sweet Home Loan Variable rate at the completion of the applicable fixed rate period. *2: Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments.