Savings & Investments Investment Products Education Savings Plan, FlexiGrowth Investment, Flexishield Investment Bond, Funeral Bond, TaxSmart Investments, Term Deposit, Wealth Builder Savings Products Bonus Cash Account, Savings and Cheque Account Loans Home Loans FlexiSmart Home Loan, Home Equity Loan, Home Loan, Investment Home Loan, Lifestyle Loan For Seniors Personal Loans Personal Loans Line of Credit Line of Credit Facility Commercial Loans Commercial Loan Education Savings Plan Rate current as at 30 June 2008 Income Distribution Return 4.04%pa^ Education Plan Tax Benefit 1.75%pa^ Total Return 5.79%pa^ ^The Income Distribution Return is the "tax paid" return and the Education Plan Tax Benefit is the tax benefit available when you claim genuine educational expenses. Past performance is no indication of future returns. Total return from 1/01/08 to 30/06/08. FlexiGrowth Investment Investment Options Returns As at Capital Guaranteed (formerly Bonus Bond) 7.00%pa^ 30/06/08 Income (formerly Income Fund) 5.00%pa^ 31/10/08 Cash Enhanced 7.00%pa^ 31/10/08 High Yield 7.60%pa^ 1/07/08 - 30/09/08 ^Past performance is no indication of future returns. Rates are effective annualised rates (compounded), net of all fees and charges and assume income is reinvested. Please refer to the Product Disclosure Statement for the FlexiGrowth Investment for further details on the FlexiGrowth investment options. Flexishield Investment Bond Latest Rate June 2008 3.8%pa^ ^Flexishield Investment Bond returned 3.8%pa for the financial year 2007/08. Past performance is no indication of future returns. Closed to new investors - advice to existing customers only. Funeral Bond 01/07/2007 - 30/06/2008 3.00%pa^ ^Past performance is no indication of future returns. The total return is the sum of the bonus rate and the Funeral Bond tax benefit. TaxSmart Investments 20/11/08 Investment Options Rates As at Cash Enhanced 4.76%pa^* 30/09/2008 High Yield 5.26%pa^* 30/09/2008 Growth -7.32%pa^# 31/10/2008 Australian Share -10.40%pa^# 31/10/2008 Investment Options Unit Price As at Growth 0.82012 8:30am 20/11/2008 Australian Share 0.74847 8:30am 20/11/2008 ^Past performance is no indication of future returns. Please refer to the Product Disclosure Statement for the Lifeplan TaxSmart Investments for further details on the TaxSmart Investment options. All four investment options were newly established on 1 February 2007. *Rates are effective annualised rates (compounded), net of all fees and charges and assume income is reinvested. Returns for the Cash Enhanced and High Yield options are declared quarterly. As these are new options the stated returns relate to the period 01/02/2007 to 30/09/2008. #Annualised performance since establishment. The returns for the Growth and Australian Share Options are net of all fees and charges and are based on the movement in unit prices for the period 01/02/2007 to 31/10/2008. Term Deposit Rates current as at 1st November 2008 Term $1,000 to $4,999 $5,000 to $24,999 $25,000 to $49,999 $50,000+ SPECIAL OFFERS NEW MONEY ONLY 3 mnths n/a 6.75%pa^ 6.75%pa^ 6.75%pa^ 6 mnths n/a 6.25%pa^ 6.25%pa^ 6.25%pa^ 12 mnths n/a 6.00%pa^ 6.00%pa^ 6.00%pa^ STANDARD RATES 1-2 mnths 2.00%pa^ 3.75%pa^ 4.00%pa^ 4.10%pa^ 3-5 mnths 2.750%pa^ 5.00%pa^ 5.15%pa^ 5.25%pa^ 6-8 mnths 3.00%pa^ 5.25%pa^ 5.50%pa^ 5.60%pa^ 9-11 mnths 3.25%pa^ 5.50%pa^ 5.65%pa^ 5.75%pa^ 12 mnths 3.75%pa^ 5.75%pa^ 5.95%pa^ 6.00%pa^ 24 mnths 3.85%pa^ 5.85%pa^ 6.05%pa^ 6.10%pa^ 36 mnths 3.95%pa^ 5.95%pa^ 6.15%pa^ 6.20%pa^ 48 mnths 4.05%pa^ 6.05%pa^ 6.25%pa^ 6.30%pa^ 60 mnths 4.15%pa^ 6.15%pa^ 6.35%pa^ 6.40%pa^ ^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions. TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan Branch,. There is no charge for the provision of this information. Wealth Builder Closed to new investors - advice to existing customers only Unit Prices effective 8:30am Thursday 20 November, 2008 Wealth Builder Australian $ 1.63936 Bonus Cash Account Rate current as at 10th November 2008 Current Rate 4.75%pa^ ^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions. Interest Rate is published weekly in the Advertiser, Monday Money. TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan branch. There is no charge for the provision of this information. Savings and Cheque Account At Call or Cheque Accounts Rates Current as at 1st September 2007 Rate $0 to $4,999 0.10%pa^ $5,000 to $9,999 0.25%pa^ $10,000 to $19,999 0.50%pa^ $20,000 to $49,999 1.00%pa^ $50,000 plus 1.50%pa^ ^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions. TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan Branch. There is no charge for the provision of this information. Money Market Account Rates current as at 1st April 2008 Rate $500 to $4,999 1.00%pa^ $5,000 to $9,999 2.00%pa^ $10,000 to $49,999 5.25%pa^ $50,000 plus 7.25%pa^ ^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions. TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan branch. There is no charge for the provision of this information. FlexiSmart Home Loan Rates current as at 20th October 2008* New Borrower Comparison Rate Fixed 1 Year^^^ 7.69%^ 8.04%^^ Fixed 2 Years^^^ 8.14%^ 8.10%^^ Fixed 3 Years^^^ 8.34%^ 8.17%^^ Fixed 4 Years^^^ 8.34%^ 8.20%^^ Fixed 5 Years^^^ 8.34%^ 8.22%^^ Variable Rate* 8.04^ 8.08%^^ ^Loans are available for either owner occupier or investment purposes. Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Existing Variable Loans Effective 1st Nov 2008 ^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only. ^^^Loans revert to the Lifeplan FlexiSmart Variable Rate. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A comparison Rate schedule is available at Lifeplan's Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan FlexiSmart Home Loan Comparison Schedule. Click Here To Download the Schedule Home Equity Loan Rates Current as at 20th October 2008* Rate Comparison Rate Variable Rate^^^ 8.54%pa^ 8.62%pa^^ Fixed for the first 12 months^^^ 7.69%pa^ 8.52%pa^^ ^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Existing variable loans effective 1st Nov 2008. ^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only. ^^^Loans revert to variable rate. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at Lifeplan’s Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Home Equity Loan Comparison Rate Schedule. Click Here To Download the Schedule Home Loan Rates Current as at 20th October 2008* New Borrower Comparison Rate Fixed 1 Year^^^ 7.69%pa^ 8.52%pa^^ Fixed 2 Year^^^ 8.14%pa^ 8.53%pa^^ Fixed 3 Year^^^ 8.34%pa^ 8.56%pa^^ Fixed 4 Year^^^ 8.34%pa^ 8.54%pa^^ Fixed 5 Year^^^ 8.34%pa^ 8.53%pa^^ Variable Rate* 8.54%pa^ 8.62%pa^^ ^Loans are available for owner occupier or investment purposes. Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Existing Variable Loans Effective 1st November 2008. ^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only. ^^^Loans revert to standard variable rate. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at Lifeplan’s Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Home Loan Comparison Rate Schedule. Click Here To Download the Schedule Investment Home Loan Rate Current as at 20th October 2008* New Borrower Comparison Rate Fixed 1 Year^^^ 7.69%pa^ 8.52%pa^^ Fixed 2 Year^^^ 8.14%pa^ 8.53%pa^^ Fixed 3 Year^^^ 8.34%pa^ 8.56%pa^^ Fixed 4 Year^^^ 8.34%pa^ 8.54%pa^^ Fixed 5 Year^^^ 8.34%pa^ 8.53%pa^^ Variable Rate* 8.54%pa^ 8.62%pa^^ ^Loans are available for investment purposes. Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Existing Variable Loans Effective 1st November 2008. ^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only. ^^^Loans revert to standard variable rate. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at Lifeplan’s Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Investment Home Loan Comparison Rate Schedule. Click Here To Download the Schedule Lifestyle Loan for Seniors Rates Current as at 1st September 2008* Existing Borrower Variable Rate^ Comparison Rate^^ 9.79%pa 10.12%pa ^NOT AVAILABLE TO NEW BORROWERS Loans are available for owner occupier properties in major Australian capital cities. Terms and conditions available on application. Fees and charges may apply. Existing Loans Effective Date 1st September 2008. ^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only. ^^^WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at Lifeplan's Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Loan for Seniors Comparison Rate Schedule. Click Here To Download the Schedule Personal Loan Term Combo Personal Loans Rates current as at 20th October 2008 Rate Comparison Rate Fixed for 1 Year^^^ 10.24%pa^ 12.11%pa^^ Fixed for 2 Years^^^ 10.24%pa^ 11.34%pa^^ Fixed for 3 Years^^^ 10.24%pa^ 10.82%pa^^ Fixed for 4 Years^^^ 10.24%pa^ 10.52%pa^^ Fixed for 5 Years^^^ 10.24%pa^ 10.41%pa^^ Variable Rate 13.00%pa^ 13.18%pa^^ ^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. Existing variable loans effective 1st November 2008. ^^Comparison Rate calculated on a loan amount of $25,000 over a term of 5 years based on monthly repayments. These rates are applicable for unsecured loans only. ^^^Loans revert to variable rate after fixed term expires. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at Lifeplan’s Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Term Combo Personal Loans Comparison Rate Schedule. Click Here To Download the Schedule Personal Loans Rates current as at 20th October 2008* Rate Comparison Rate Secured - Variable rate 13.00%pa^ 13.18%pa^^ Secured - Bonds & Deposits 10.00%pa^ 10.17%pa^^ ^Terms and Conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. Existing variable loans effective 1st November 2008. ^^Comparison Rate calculated on a loan amount of $25,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at Lifeplan’s Head Office. Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Personal Loans Comparison Rate Schedule. Click Here To Download the Schedule Line of Credit Facility Rates current as at 1st April 2008* Rate Unsecured (Under $20,000) 16.50%pa^ Secured (Over $20,000) 9.04%pa^ ^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Effective date for existing Line of Credit Accounts is 1st May 2008 Commercial Loan Rates Current as at 20th October 2008* Rate Fixed 1 - 3 Years Rates on Application^ Variable Rate 9.85%pa^ ^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Effective date for existing variable loans is 1st November 2008

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