Deposit Account Interest Rates

Everyday Account

Everyday Unlimited Account

Wisdom Saver

Zoo

^{1. Standard Variable Bonus interest is payable when bonus interest criteria are met - a minimum $10 deposit and no withdrawals are made in the calendar month.}

Balance +

^{1. Standard Variable Bonus interest is payable when bonus interest criteria are met - a minimum $10 deposit and no withdrawals are made in the calendar month.}

Everyday Unlimited Kick Start

Reward Saver Kick Start

<sup>2. Standard Variable Bonus interest is payable when bonus interest criteria are met, that is, a minimum $20 deposit and no withdrawals are made in the calendar month.
3. Special Fixed Bonus Margin is payable for the duration the account is an eligible: - Reward Saver Kick Start account for account holders aged under 18 years of age; or - Until 31/03/2012 for Reward Saver Kick Start accounts for Students aged under 23, providing bonus interest criteria are met, that is, a minimum $20 customer initiated deposit and no withdrawals are made in the calendar month. If bonus interest criteria are not met for the calendar month, both Standard Variable Bonus interest and any applicable Special Fixed Bonus Margin are forfeited.</sup>

Junior Savers⁴

^{4. Junior Savers is no longer available for new accounts.}

Reward Saver

<sup>4. Standard Variable Bonus interest is payable when bonus interest criteria are met, that is, a minimum $50 deposit and no withdrawals are made in the calendar month.
5. Special Fixed Bonus Margin is only available for new Reward Saver accounts opened between 01/02/12 and 29/02/12, where you have not held a Reward Saver account before. Special Fixed Bonus Margin interest is payable until 31/05/2012 for accounts opened in February 2012, when bonus interest criteria are met, that is, a minimum $50 customer initiated deposit and no withdrawals are made in the calendar month. If bonus interest criteria are not met for the calendar month, both Standard Variable Bonus interest and any applicable Special Fixed Bonus Margin are forfeited.</sup>

Christmas Club⁶

^{6. If there are any withdrawals between January 1 and October 31 the account will be closed and the bonus forfeited.}

Cash Management

DIY Super

^{7. Special Fixed Bonus Margin is only available for new DIY Super accounts opened between 01/01/12 and 29/02/12, where you have never held a DIY Super account before. Special Fixed Bonus Margin interest is payable until: 30/04/12 for accounts opened in January 2012, 31/05/12 for accounts opened in February 2012.}

First Home Saver

^{8. Standard Variable Bonus interest is payable when bonus interest criteria are met, that is, at least one deposit is made in the calendar month. If monthly deposit is not made, no interest is payable for that month. The Government requires IMB to collect tax of 15% on your interest earnings, and disclose the after tax rate.}