castles Proudly Supported by Westpac Premier Advantage Package

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1 castles Proudly Supported by Westpac Premier Advantage Package

2 Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage Package to save you time and money. It offers great value on a quality home loan and a range of financial services home buyers need. Just follow five simple steps to gain the benefits and convenience of banking made easy. Gail Kelly Chief Executive Officer

3 Premier Advantage Five ways to save 1. Save up to 0.7% p.a. on your home loan. Choose the loan that works for you. 2. Save on monthly account service fees with a day-to-day account. 3. Save on the annual fee with an eligible credit card from our great range. 4. Protect your greatest assets for less with insurance savings. 5. Options to grow your superannuation and wealth. Home loans made easy with a Premier Advantage Package Choose one of our eligible home loans as well as a Westpac Choice transaction account and you can take the Premier Advantage Package. This package gives you great savings, including a discount of up to 0.7% p.a. off our variable home loan interest rates and a fee waiver on some of the fees on your chosen loan, the monthly account service fee on your transaction account and the annual fee on a credit card. All this for one annual fee of $395. It s home loans made easy, with the chance to save thousands a year. How to save thousands for $395 p.a. Potential first-year savings on a $250,000 Rocket Repay Home Loan Savings example Your savings Home loan interest discount 0.7% p.a. $0 establishment fee $0 loan maintenance fee Westpac Choice day-to-day account with $0 monthly account service fee Altitude Black credit card with $0 annual fee Deposit Protect Bond discount of 10% on a $390 fee Mortgage Secure discount of 10% on a $600 premium Home and Contents discount of 5% on a $500 premium Life Insurance discount of 5% on $1,200 premium $1,750* $600 $96 $60 $395 $39 $60 $25 $60 Potential first-year savings after the $395 annual fee $2,690 * Potential savings are based on an interest only loan of $250,000 receiving a discount of 0.70% p.a. off the Rocket Repay Variable rate. As the balance of the loan decreases, the interest savings will decrease accordingly. Refer to Things you should know for further details.

4 1. Save up to 0.7% p.a. on your home loan Choose the loan that works for you. Whether you want repayment certainty, flexible features or both, you ll find a home loan here to suit your needs at a great price. Rocket Repay Fixed Rate Equity Access A variable rate loan with a free offset account that could help save you interest. If you re keen to pay off your loan sooner Rocket Repay gives you the flexibility to make additional repayments without penalty. Plus plenty of flexible features like a repayment holiday, free redraw, portability and easy access to your surplus funds. Enjoy the repayment certainty of a fixed rate, choice of fixed rate terms from 1 10 years, interest only option, plus redraw and additional repayments.* A line of credit that allows you to access additional funds by drawing on the equity in your property for renovations, investments or other needs. No repayments are required unless your loan limit is reached, and you have easy access to your funds. 0.7% p.a. discount $250,000 or more 0.4% p.a. discount $150,000 or more but less than or equal to $249, % p.a. discount $150,000 or more 0.7% p.a. discount $250,000 or more 0.4% p.a. discount $150,000 or more but less than or equal to $249,999 Combination Loans Get the best of both worlds with a combination of fixed and variable interest rate loans. Enjoy the security of a fixed rate with the flexibility of a variable rate loan. Low Doc Loans If you re self-employed and don t have proof of income, we can still help. Our Low Doc loans and discounts are shown in the table below. Low Doc variable loans (Rocket Repay and Equity Access) 0.7% p.a. discount $500,000 or more Low Doc fixed loans (Fixed Rate Options) 0.2% p.a. discount if total Package borrowings are $150,000 or more 0.5% p.a. discount $250,000 or more but less than or equal to $499, % p.a. discount $150,000 or more but less than or equal to $249,999 *Additional repayments are limited to $30,000 during the fixed rate term without incurring break costs.

5 Your home loan savings Based on the loan you choose, your additional savings may include: NO establishment fee SAVE $600 NO loan maintenance fees SAVE $96 $120 per year NO fee to increase your loan limit (not available for fixed loans) SAVE $400 NO portability fee to move your security SAVE $300 NO switching fee SAVE $300 Many features are not available for Low Doc loans. Deposit Protect Bonds Did you know you may not need a cash deposit to secure your property? With a Deposit Protect Bond as an alternative, you don t have to dig into your savings and investments, or arrange bridging finance to get your deposit together. For example, if you re using equity to buy an investment property or you re a first home buyer relying on Government subsidies to fund your deposit, a Deposit Protect Bond can tide you over until settlement. Receive a 10% discount off the Deposit Protect Bond fee. 2. Save on monthly account service fees with your Westpac Choice transaction account Now that you have selected your home loan, why not start saving on everyday banking as well? Save with a Westpac Choice transaction account with NO monthly service fee and enjoy effortless control of your day-to-day finances. Westpac Choice With the freedom to bank any way you like, everyday banking costs less. SAVE $60 a year with no monthly account service fee regardless of your monthly deposit amount 1 Unlimited free Westpac transactions 2 across branches, Westpac Group ATMs, EFTPOS, Telephone Banking and Online Banking Access your funds with Debit MasterCard Link as an offset account to your Rocket Repay and cut the interest on your loan.

6 3. Save on the annual fee with a credit card from the great range below With the Premier Advantage Package you can choose a credit card from our range with no annual fee for the life of the Package. Altitude, Altitude Platinum or Altitude Black Earn Altitude points on purchases and enjoy redeeming these for a great range of rewards 3 Two cards linked to one account: Altitude: Your choice of an Altitude Visa Card and an Altitude American Express Card Altitude Platinum: Your choice of an Altitude Platinum Visa Card and an Altitude Platinum American Express Card Altitude Black: an Altitude Black World MasterCard and an Altitude Black American Express Card Earth, Earth Platinum or Earth Black Earn Qantas Points on eligible puchases 4 Two cards linked to one account: Earth: an Earth MasterCard and an Earth American Express Card Earth Platinum: an Earth Platinum MasterCard and an Earth Platinum American Express Card Earth Black: an Earth Black World MasterCard and an Earth Black American Express Card Low Rate A simple no frills card with a lower variable interest rate on purchases and a higher variable interest rate on cash advances 55 Day Platinum Platinum privileges including a range of extended complimentary insurance covers 1 and a 24/7 concierge service Up to 55 interest-free days on purchases as long as you pay the closing balance (including any promotional amount) in full by the statement due date each month 2 55 Day Up to 55 interest-free days on purchases as long as you pay the closing balance (including any promotional amount) in full by the statement due date each month 2 Ask us for details for full list of eligible cards. Westpac offers Credit Card Repayment Protection. For a small fee this helps cover your Westpac credit card repayments in the event of certain unforeseen circumstances 5.

7 4. Save on insurance to protect the people and things you love We re here to do all we can to help protect your future, so we offer flexible cover to look after the people and things you cherish just in case. With the Premier Advantage Package you ll save on your annual premium and some claim excesses. Life Insurance With Westpac Protection Plans including Term Life, Total and Permanent Disablement (TPD), Living (Trauma) and Income Protection Insurance, you can protect the people that matter to you and help your family avoid financial difficulty caused by death, disability, illness or injury with a comprehensive range of competitively priced life insurance solutions. Save 5% on your annual premium Mortgage Secure Mortgage Secure covers you in the event of death, terminal illness or a serious health scare by paying a lump sum into your Westpac Home Loan account. Save 10% on the annual premium Save an additional 5% on the annual premium if two people apply together (in a joint policy) Residential Home and Contents Insurance Collectively, your home and all the things you ve collected over the years represent one of your biggest investments. Choose from three levels of cover to protect your home, contents and personal valuables from floods, cyclones and bushfires, theft and more. Save 5% on your Building and/or Contents annual premium Save $100 on your excess per claim for Building or Contents insurance 5. Options to grow your superannuation and wealth Manage your biggest investments in one place BT Super for Life. As a first for an Australian Bank, BT Super for Life is a superannuation account offering you the convenience of managing your super, home loan and other Westpac accounts all within Online Banking. Receive a $200 Cash Bonus 1 when your BT Super for Life account balance reaches $1,000. Take it with you from job-to-job There s no need to open a new super account every time you change jobs. This only creates more accounts and more fees. With BT Super for Life you can take your super account with you wherever you go throughout your career. If you have super in several different funds, we can do all the paperwork for you in branch and help you combine all your super into one. 2 A simple, transparent fee structure You won t pay any commissions, establishment, contribution, withdrawal, termination or investment switching fees. 3 Bonus 0.25% p.a. interest on Term Deposits 4 Grow savings faster with bonus interest of 0.25% p.a. on Westpac Term Deposits for balances between $20,000 and $250,000. Westpac Online Investing 5 Sign up to Westpac Online Investing and receive up to $600 free brokerage and three months free access to Premium Research. BT Margin Loans 0.25% p.a. Interest Discount 6 Expand your wealth creation options with a BT Margin Loan, and save on interest with 0.25% p.a. off the published variable and fixed interest rates. Landlord Home and Contents Insurance Protect the investment property you ve worked hard for with cover for all kinds of floods, plus cyclones, bushfires, theft, loss of rent and tenant damage. We ll help you choose the right cover, so you only pay for the insurance you need. Save 5% on your Building and/or Contents annual premium Save $100 on your excess per claim for Building or Contents insurance

8 Talk to your Westpac Mortgage Broker today. Visit westpac.com.au/packages. THINGS YOU SHOULD KNOW This information is current as at 1 October 2013, unless otherwise stated. Premier Advantage Package Conditions of Use apply and are available at westpac.com.au or on request. You should read these when considering taking up the Package. Premier Advantage Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts offered by Westpac or its subsidiaries, Loan and credit card applications are subject to Westpac s normal lending criteria. Applications must also meet Westpac s approval guidelines on individual products to qualify for the relevant package discounts. Terms and conditions, fees and charges apply to the products referred to in this brochure and are available on request. They may be varied, or new terms and conditions introduced, in the future. *Your Mortgage Broker is not the agent of, nor entitled to represent or bind Westpac Banking Corporation (the Bank). The Bank is not responsible or liable for the conduct of your Mortgage Broker. [Step 1] Deposit Protect Bonds are issued and guaranteed by Westpac Banking Corporation ABN AFSL Full terms and conditions are available on request. Fees and charges apply. Check with your conveyancer or solicitor about the terms of the contract for sale as the acceptance of the Bond is at the discretion of the vendor. [Step 2] 1. Regardless of the total monthly deposit made. See westpac.com.au for details of the standard offer. 2. Terms and Conditions apply and are available upon request. Fees and charges may apply including fees for the use of non-westpac Group ATMs and overseas ATMs. Information about Westpac Choice account issued by Westpac Banking Corporation, has been prepared without taking into account your objectives, financial situation or needs. Before making a decision you should consider the Terms and Conditions available by calling , visiting westpac.com.au or visiting any of our branches and consider whether the product is right for you. You must either hold or be approved for a Westpac Choice transaction account in order to qualify for the Premier Advantage Package. [Step 3] 1. This insurance is issued by Zurich Australian Insurance Limited ABN , AFSL which is liable for separate risks insured under the terms of each policy. These insurance products are provided free of charge to the cardholder. The cardholder is under no obligation to accept the insurance cover and the cover is subject to the conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling or by downloading the 55 Day Platinum Card Insurance Policy at westpac.com.au. 2. Interest on cash advances is calculated from the date the transaction is debited to your card account. 3. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions. Points capping may apply. Altitude points are not earned on cash advances. You must have earned a minimum of 3,000 points before you can redeem for any rewards. 4. The earning of Qantas Points through the use of Earth, Earth Platinum and Earth Black cards is subject to the Earth Conditions of Use. Points capping may apply. Qantas Points are not earned on cash advances, balance transfers and in other certain circumstances, see the Earth Conditions of Use for details. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer. 5. Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN (WGIL) and Westpac Life Insurance Services Limited ABN AFSL (WLIS) each of which is liable for separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN AFSL (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy. This information has been prepared without taking account your objectives, financial situation or needs. Because of this, you should obtain and consider the Product Disclosure Statement, available at westpac.com.au before making a decision. American Express is a Registered Trademark of American Express. Westpac American Express Cards are issued pursuant to license from American Express. MasterCard, World MasterCard and the MasterCard Brand Mark are registered trademarks and PayPass is a trademark of MasterCard International Incorporated. [Step 4] Home and Contents Insurance, Mortgage Secure, Life Insurance products and Westpac Term Life as Superannuation are all distributed by the Bank. Information in this brochure has been prepared without taking into account your objectives, financial situation or needs. You should read the relevant Product Disclosure Statement (PDS) before making any decision in relation to any of the above insurance. Conditions, limits and exclusions apply and are explained in the relevant PDS and insurance policy wordings or your policy schedule if you take out the insurance. Home and Contents Insurance is issued by Westpac General Insurance Limited ABN (WGIL). Mortgage Secure is issued by Westpac Life Insurance Services Limited, ABN Westpac Protection Plans, other than Westpac Term Life as Superannuation, are issued by Westpac Life Insurance Services Limited ABN (Westpac Life). Westpac Term Life as Superannuation is issued by Westpac Securities Administration Limited ABN (WSAL). No Westpac Group company (other than the Bank as distributor and WGIL, WLIS or WSAL, where appropriate, as issuer) has any liability in connection with the policy. [Step 5] BT Super for Life 1. Receive a $200 Cash Bonus when your BT Super for Life account balance reaches $1,000. You must call BT Super for Life on within 6 months of opening your account to claim your Cash Bonus. Payment of the Cash Bonus will be made into a nominated Westpac bank account belonging to the BT Super for Line account holder. Only one Cash Bonus payment applies per customer and can only to be claimed under one Premier Advantage Package. Payment of the Cash Bonus can take up to 8 weeks to process from the date when we receive your telephone call. BT Reserves the right to end, withdraw or vary eligibility criteria at any time. Generally, all contributions to a superannuation fund are preserved. The Government has placed restrictions on when you can access your preserved benefits. In general, your benefits will not be paid until you reach age 65, or you reach preservation age and have permanently retired from full or part-time gainful employment. 2. There is no charge for accepting any rollovers, however before requesting the rollover, you should check with your other fund/s to determine whether there are any exit fees for moving your benefit, or other loss of benefits (e.g. insurance cover). 3. For all fees that apply, please refer to the Product Disclosure Statement. BT Funds Management Limited ABN is the issuer of interests in the BT Super of Life which is a part of Retirement Wrap ABN , RSE R An investment in BT Super for Life is not a deposit with, or any other liability of, Westpac Banking Corporation ABN or any other company in the Westpac Group of companies (the Bank). It is subject to investment risk, including possible delays in repayment of withdrawal proceeds or loss of income and principle invested. The Bank is not the issuer of BT Super of Life. None of the Bank or any or its related entities stands behind or otherwise guarantees the capital value or investment performance of BT Super of Life. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this, you should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of these products. To obtain a copy of the PDS for BT Super for Life, phone or visit Term Deposits 4. Bonus 0.25% Interest on Term Deposits for Balances between $20,000 and $250,000 is not available with any other special offer or promotional rates. The bonus rate is on top of the standard rate. The term and interest frequency of the standard rate will apply to the Term Deposit opened. Information about Term Deposits issued by Westpac Banking Corporation has been prepared without taking into account your objectives, financial situation or needs. Before making a decision you should consider the Terms and Conditions available by calling , visiting westpac.com.au or visiting any of our branches and consider whether this product is right for you. $600 free Brokerage and Premium Research 5. $600 free brokerage offer: Only available to new Westpac Online Investing customers who open an account. Existing customers are not eligible. You will not be charged the first $50 (inc. GST) of brokerage on each contract note for your first 12 trades settled within 60 days of account opening, up to a total value of $600 (inc. GST). This offer is for online trades in ASX-listed shares only (options and international equities excluded). We reserve the right to terminate this offer or amend these terms and conditions at any time without notice. This offer is not redeemable for cash and is not transferable. Our normal terms and conditions apply unless otherwise specified here. Premium Research offer: Three months free Premium Research begins from the date of opening a new Westpac Online Investing account and is only valid for new Westpac Online Investing customers who open their account through the online application form at westpac.com.au/paptrading All trades are subject to the standard terms and conditions of Westpac Securities Limited. Share trading with Westpac Online Investing is a service provided through Westpac Securities Limited ABN , AFSL ( Westpac Securities ) by Australian Investment Exchange Ltd ABN , AFSL ( the Participant ), a participant of the ASX Group and Chi-X Australia. The Participant is not authorised to carry on business in any jurisdiction other than Australia. Accordingly, the information contained in this document about Westpac Online Investing is directed to and available for Australian residents only, and has been prepared without taking account of your personal objectives, financial situation or needs. For this reason, before acting on the information you should consider whether it is appropriate to you. You should read the Financial Services Guide ( FSG ), which provides you with information on the services the Participant and Westpac Securities can provide. You can access the FSG via westpac.com.au/onlineinvesting BT Margin Loans 6. Not available with any other BT Margin Lending discount. BT Margin Lending is provided by BT Securities Limited ABN AFSL as agent for Westpac Banking Corporation ABN AFSL Before acting on this information you should seek independent financial and taxation advice. The information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs. To obtain a copy of the PDS for BT Super for Life, phone or visit Westpac Banking Corporation ABN AFSL and Australian credit licence PAM104Broker (10/13)

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