^Rate reverts to 10.49% p.a. variable rate after 6-month introductory period. Terms and Conditions available upon request. Fees, charges and lending criteria all apply. Interest rates current as at 16 October 2012 and are subject to change. *"Cheapest Credit Card (Non Bank) & Cheapest Balance Transfer Credit Card (Non Bank) - Credit Card," Money Magazine 2010, 2011 & 2012.

**Rate current as at 15/1/13. Rate is for a minimum investment of $5,000 or more for a term of 6 months. Interest accrues daily and is paid at maturity. This offer is limited and may be withdrawn at any time. You should obtain the terms and conditions from us and consider the information before deciding whether this product is suitable for you. Fees and charges may apply.