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ANZ Term Deposit

Interest Rates p.a

7 Days	3.07%
14 Days	3.07%
21 Days	3.07%
30 Days	3.01%
60 Days	2.98%
90 Days	5.30%
120 Days	5.00%
150 Days	2.50%
180 Days	5.50%
210 Days	2.50%
240 Days	2.50%
270 Days	2.50%
300 Days	2.50%
330 Days	2.50%

1 Year	5.00% paid Annually 4.94% paid 6 Monthly 4.91% paid Quarterly 4.89% paid Monthly
2 Year	5.30% paid Annually 5.23% paid 6 Monthly 5.20% paid Quarterly 5.18% paid Monthly
3 Year	5.30% paid Annually 5.23% paid 6 Monthly 5.20% paid Quarterly 5.18% paid Monthly
4 Year	5.30% paid Annually 5.23% paid 6 Monthly 5.20% paid Quarterly 5.18% paid Monthly
5 Year	5.60% paid Annually 5.52% paid 6 Monthly 5.49% paid Quarterly 5.46% paid Monthly

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Account Details

Minimum Amount

$100,000.00

Maximum Amount

$250,000.00

Interest Payment Method

Cheque, Direct Credit, Rollover on Maturity

Penalties for Early Withdrawal

For all term deposits opened or reinvested from 6 December 2004 an administration fee of $30 plus a rate reduction based on: 0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction. See ANZ website for interest adjustment rates applicable to accounts opened before 6 December 2004.