Introductory Rate: Initially I want to make minimum monthly loan repayments on a lower rate Redraw Facility: I would like to access my extra loan repayments made or access my loan credit funds Fixed Rate: I am worried about interest rates increasing and would like the certainty that my rate and payments will not change over the next few years Variable Rate: I need the flexibility of making additional repayments at any time, I am not too concerned about interest rate movements, I need portability. Construction Loan: I am in the process of looking into building a home or investment property. I need the flexibility of a loan structure to meet the Builder's and building requirements.

Principle and Interest: I want the flexibility to make extra repayments, knowing that my loan is gradually reducing Interest Only: I need to pay interest only for the next few years for an investment purchase Partly Principle and Interest and partly Interest Only: I would like to benefit from the combination of these two payment options for my changing circumstances

Credit Card: I need a credit card to be linked to my loan account Debit (ATM) Card: I want the flexibility to use my ATM card and use EFTPOS Mortgage offset Account: I would like the facility to minimise the interest on my loan account on a daily basis. Also need to use the account for general savings, salary crediting and other transactional purposes Transaction Savings Account: For salary crediting and the option to linking it to my loan account. For general savings purposes Cheque Book: I want the convenience of a cheque book to be linked to my loan account Direct Salary Crediting: I would like my salary to be credited into my loan account with ready access Internet Banking: I need internet banking and the facility to pay bills on line Telephone Banking: I need to transfer funds, check balances and pay bills using my telephone