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Rates for Owner Occupied loans with Principal & Interest repayments Empower Interest rate card Effective December 06 LVR Rate Smasher 70% 3.68% 3.68% *Limited time offer: Promotional rates applicable to applications lodged on and from Tuesday 9 August 06. This offer is not available in conjunction with other offers and is subject to change without notice and may be withdrawn at any time. For further information please contact your BDM. Empower LVR 80% 3.86% 3.86% 90% 4.09% 4.09% 95% 4.9% 4.9% 80% 3.8% 3.8% 90% 4.04% 4.04% 80% 3.86% 3.86% 90% 4.09% 4.09% 95% 4.9% 4.9% 80% 3.8% 3.8% 90% 4.04% 4.04%, 4.9% 3.89% 4.9% 3.9% 4.4% 3.96% 4.39% 4.04% 4.49% 4.% Standard Variable Rate (SVR) 5.9% 5.9% These rates are applicable to the only with LVR 80 per cent. Your Yellow Brick Road home loan portfolio will be serviced by Macquarie Securitisation Limited, ABN 6003 97 336 (Australian Credit Licence (ACL) 37863), on behalf of the lender Perpetual Limited, ABN 86 0004387. Credit services are provided by credit representatives of Yellow Brick Road Finance Pty Limited, ABN 33 8 708 09 (Australian Credit Licence 393 95).

Effective December 06 Rates for Owner Occupied loans with Interest Only repayments LVR 80% 4.09% 4.09% 80% 4.04% 4.04% Empower Line of Credit 80% 4.09% 4.09% 80% 4.04% 4.04% 80% 4.09% n/a 80% 4.04% n/a, 4.44% 4.% 4.44% 4.5% 4.49% 4.9% 4.64% 4.8% costs. At the end of the fixed rate period, the interest rate will revert to the discount variable rate 4.74% applicable at that time. 4.36% Standard Variable Rate (SVR) 5.9% 5.9% These rates are applicable to the only with LVR 80 per cent. Your Yellow Brick Road home loan portfolio will be serviced by Macquarie Securitisation Limited, ABN 6003 97 336 (Australian Credit Licence (ACL) 37863), on behalf of the lender Perpetual Limited, ABN 86 0004387. Credit services are provided by credit representatives of Yellow Brick Road Finance Pty Limited, ABN 33 8 708 09 (Australian Credit Licence 393 95).

Effective December 06 Rates for Investment loans with Principal & Interest repayments LVR 80% 4.4% 4.4% 90% 4.34% 4.34% 80% 4.09% 4.09% 90% 4.9% 4.9% 80% 4.4% 4.4% 90% 4.34% 4.34% 80% 4.09% 4.09% 90% 4.9% 4.9%, 4.9% 4.5% 4.9% 4.7% 4.34% 4.9% 4.49% 4.6% 4.59% 4.3% Investment Variable Rate (IVR) 5.6% 5.6% These rates are applicable to the only with LVR 80 per cent. Your Yellow Brick Road home loan portfolio will be serviced by Macquarie Securitisation Limited, ABN 6003 97 336 (Australian Credit Licence (ACL) 37863), on behalf of the lender Perpetual Limited, ABN 86 0004387. Credit services are provided by credit representatives of Yellow Brick Road Finance Pty Limited, ABN 33 8 708 09 (Australian Credit Licence 393 95).

Effective December 06 Rates for Investment loans with Interest Only repayments LVR 80% 4.34% 4.34% 90% 4.49% 4.49% 80% 4.9% 4.9% 90% 4.44% 4.44% 80% 4.34% 4.34% 90% 4.49% 4.49% 80% 4.9% 4.9% 90% 4.44% 4.44% Empower Line of Credit 80% 4.34% n/a 90% 4.49% n/a 80% 4.9% n/a 90% 4.44% n/a, 4.54% 4.36% 4.54% 4.38% 4.59% 4.4% 4.74% 4.48% 4.84% 4.55% Investment Variable Rate (IVR) 5.6% 5.6% These rates are applicable to the only with LVR 80 per cent. Your Yellow Brick Road home loan portfolio will be serviced by Macquarie Securitisation Limited, ABN 6003 97 336 (Australian Credit Licence (ACL) 37863), on behalf of the lender Perpetual Limited, ABN 86 0004387. Credit services are provided by credit representatives of Yellow Brick Road Finance Pty Limited, ABN 33 8 708 09 (Australian Credit Licence 393 95).

Effective December 06 Rates for SMSF SMSF SMSF Rate 5.57% 5.60% SMSF 5.9% 5.58% 5.9% 5.55% 5.34% 5.54% 5.49% 5.58% 5.59% 5.6% Your Yellow Brick Road home loan portfolio will be serviced by Macquarie Securitisation Limited, ABN 6003 97 336 (Australian Credit Licence (ACL) 37863), on behalf of the lender Perpetual Limited, ABN 86 0004387. Credit services are provided by credit representatives of Yellow Brick Road Finance Pty Limited, ABN 33 8 708 09 (Australian Credit Licence 393 95).