AMO. More money in your pocket

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2 Revolution Home Loan An AMO Revolution Home Loan gives you a 100% offset account on either a fixed or variable rate loan with no restrictions. Most other lenders only offer an offset account with a variable rate loan. The 100% offset account allows you to reduce the term and the amount of interest paid on the loan by off-setting interest charges against your savings. The amount of money in your offset account equals the portion of your home loan that is not being charged interest. Take control of your finances and stop paying too much interest with the AMO Revolution Home Loan. Future Proof Home Loan The Future Proof Home Loan give borrower s peace of mind about their loan repayments by insulating you and your mortgage against future interest rate rises. This amazing home loan solution allows borrowers who qualify to frequently switch between a fixed and variable rate in order to pay the lowest interest. If the variable rate rises above the fixed rate, you can switch to fixed. Then if it drops again, you can switch back to the lower variable rate. It is much better than a traditional split loan, as up to 100% of your loan is always charged at the lower of the two rates. So protect yourself from fluctuating interest rates with the AMO Future Proof Home Loan.

3 Equity Options from Australian Mortgage Options Australian Mortgage Options offers a variety of solutions for those wanting to leverage equity in their property. We can help you: Own your home or investment property sooner Minimise interest Minimise tax Create wealth Build a property portfolio Own your Home Sooner At AMO, we ll show you what the others don t want you to know. Like how you can own your home in less than half the time. The image below shows how you can cut 11 years off the term of your loan. Loan Amount (000 s) AMO Mortgage Reduction Program Traditional Loan Years NB: Figures used as a guide only

4 Switch & Save with AMO! There are many reasons why you should switch or consolidate debt into one easy-tomanage home loan with AMO. Save money Reduce Interest Simplicity of one easy to manage repayment Reduce monthly repayments End frustration with existing lender Close other loan facilities such as credit cards, store cards or personal loans. AMO Real Life Example An AMO Real Life Example Before AMO Type of Loan Home Loan Personal Loan 1 Personal Loan 2 Credit Card 1 Credit Card 2 Credit Card 3 Total Expenditure Loan Amount $255,000 $7,290 $20,547 $12,000 $4,600 $8,000 Monthy Repayments $1,657 $376 $827 $360 $138 $179 $307,437 $3,537 After seeing AMO AMO Home Loan $342,000 $1,981 Monthly Repayment Savings Additional Cash $1,556 $34,570 When Joe & Wendy visited AMO, they were struggling with a home loan, two personal loans and three credit cards. AMO refinanced their home loan, consolidated their debts, lent them an additional $34,570 and still Joe & Wendy s repayments were reduced by a staggering $1,556 per month. Would you like more money in your pocket? Call AMO on for an obligation free mortgage health check. Alternatively, visit AMO and if we can t improve your current home loan situation, we ll give you $100 for your time. You ve got nothing to lose yet you could save thousands. AMO more money in your pocket.

5 Just How Low can your Repayments Go? Ever wondered if you could reduce the repayment on your mortgage? Would you prefer to pay home loan rates for your car loan, store card, credit card or personal loan? Want a better deal on your current home loan? If you answered yes to any of these questions, then you must visit AMO s dedicated debt consolidation and refinance website lowermyrepayments.com.au Enter a few details, press GO and within seconds you will have the answer to your question. Best of all it s totally free and very easy to use. Visit lowermyrepayments.com.au today and start saving with AMO. Switch and lower your repayments by $1,107 per month or $13,284 per year* * Based on actual data submitted at lowermyrepayments.com.au (prior to print) borrowers can reduce the repayments on their mortgage and other loans by an average of $1,107 per month. That s an extra $13,284 in their pocket each year

6 Lo Doc Loans with No Proof of Income No matter what work you do, an AMO Lo Doc Loan could be perfect for you. If you are self employed, AMO understands that it may be difficult for you to provide the normal documentation required for a home loan such as proof of income, balance sheets and tax returns. That is why our range of lo doc loans are so popular. You get the security of borrowing from an established, reputable lender with great loan features while also enjoying the easy low documentation application process. These loans may be low on documentation, but they are high on features Redraw and additional payments permitted No ongoing fees Telephone and internet banking 100% offset facility available Flexible repayments weekly, fortnightly or monthly Lines of credit available Income Crediting accepted

7 Solid Foundations Start with an AMO Construction Loan Your dream home or investment property starts with an AMO Construction Loan. Packed with a variety of features to help get your plans off the ground, our construction loans are also popular for thier convenience. At AMO, we understand that building can be stressful and you don t need the added problem of accessing your funds during construction. An AMO Construction Loan it s that easy! No financials options available Option for a 100% offset account Option to convert to another home loan at completion Interest only available during construction Repayments based on the amount drawn down not the total approved amount Choose between monthly repayments or capitalized interest options during construction Line of Credit Facilities...Simple, Easy and Affordable. An AMO Line of Credit Facility is a popular solution for those wanting to unlock the equity in their property but only pay for the money they use. Better still, there s the full flexibility to pay off your mortgage sooner, minimize interest and bank fees while enjoying easy access to your money through a credit card, cheque, internet and phone banking. Facility available for the life of the loan Visa Card access for added convenience No ongoing fees or charges Telephone and internet banking 24/7 Cheque books available

8 Share the Load with an AMO Zero 20 Mortgage... The AMO Zero 20 is an award-winning home loan that can help you: Reduce the upfront and ongoing costs of purchasing a new property or Reduce your current monthly mortgage repayments or Buy a more expensive property than you may other wise be able to afford The Zero 20 works in conjunction with a traditional home loan. Together, they let you move some of the expense of a traditional home loan to later when you eventually sell your property. Here s how: Zero 20 allows you to borrow up to 20% of a property s value ; There is no annual percentage rate applicable to the Zero 20 loan, unless you are in default on the main loan; You are not required to make any regular monthly interest repayments throughout the life of the loan, which you can hold for 25 years. Instead, when you sell the property or repay the Zero 20 loan for some other reason, you repay the amount you originally borrowed plus up to a 40% share of any increase in the value of the property. An AMO Commercial Loan is Great for Business Are you considering the purchase of a commercial property for your business or investment purposes? AMO has a variety of commercial solutions available including principal and interest and interest only options. Choose between variable and 1, 2, 3, 4, or 5 year Fixed. Call us for more information and discover why an AMO Commercial Loan is great for business.

9 More Finance Solutions from AMO First Homeowners At AMO, we realise that taking the step to purchase your first property is a serious financial commitment that can be complex and confusing without the right support. That s why we are dedicated to taking you through the entire process step by step, ensuring the whole experience is as easy and valuable as possible we can even take care of your application for the First Home Owners Grant (FHOG). Talk to an AMO Consultant today about making your first home loan, a great home loan. AMO Deposit Bonds An AMO Deposit Bond is an alternative form of deposit that is provided to the owner of a property when exchanging contracts. It enables you to keep your cash for other purposes and secure a property without paying the deposit. Insurance, Superannuation & Financial Planning AMO can help protect you, your family, your income and your home against accident, illness, injury and death with our Income Protection and Life & Trauma Insurance. In addition to protecting your wealth, we can also help you create it and grow it. Ask how our Superannuation, Financial Planning and Property Investment strategies can help you secure your future.

10 The AMO Story... Australian Mortgage Options (AMO) was founded in 1998 and since then has helped thousands of Australians finance their home or investment property. Prior to establishing the company, founder Robert Projeski worked in the banking industry and identified a number of ways in which he could improve a borrower s financial position by restructuring home loan products. Borrowers would then be able to pay-off their mortgage sooner, minimise tax and create wealth. Mr Projeski presented his findings and recommendations to the executive board. While impressed with his proposal, they declined to proceed as it would benefit the borrower at the expense of the lender. They figured, that, if people paid their home loan off sooner, the lender would earn less money from interest and this would not benefit the bank especially in the short to medium term. So, unperturbed, Mr Projeski left and AMO was born with the mission statement we ll show you what the others don t want you to know. It is this philosophy that has driven the business to the forefront of the home loan market, resulting in multiple awards from Money Magazine, Cannex, Your Mortgage Magazine and Canstar. So you can rest easy and enjoy the rewards of working with one of Australia s most trusted and awarded companies AMO.

11 Ten Reasons why you Should Choose AMO Convenience with a mobile lending service, we can come to you at a time and place that suits your needs, 7 days a week. You are also welcome to meet at our office Quick In house approvals experienced credit professionals with the delegated authority to approve loans immediately Experienced Customer Service Team speak to a real person Fixed Rate Home loans with 100% Offset most lenders only give you this option on a variable rate loan. Enjoy the security of a fixed rate and flexibility to pay a loan off sooner, all in the one product Save money with products that can save you thousands in Lenders Mortgage Insurance (LMI) Premiums Protection from future rate rises with the Future Proof Home Loan switch between the lower of fixed and variable interest rates ensuring you always pay the lowest rate possible Credit Cards at Home loan rates for the life of the loan Lo Doc loans available for refinance, construction, debt consolidation and purchases up to 80% Loan to Value Ratio (LVR) $20,000 available above LVR with no increase in the LMI Premium. 10 We have worked in the banking industry and we will show you what the others don t want you to know. Visit AMO, if we can t improve your current home loan situation, we ll give you $100 for your time.

12 Important Information: The information in this document is of a general nature and has been prepared for information purposes only by AMO Group Financial Services Pty Ltd ABN and Australian Credit Licence Number The information in this document is current as at the time of printing (August 2011) but may change without notice. Any information contained in this brochure has been prepared without taking into account your objectives, financial situation or needs. As such, before acting on any advice in this brochure, AMO recommends that you consider whether it is appropriate for your objectives, financial situation or needs A M O amo.com.au