Access your equity easily with our Line of Credit Home Loan Package

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1 ccess your equity easily with our Line of Credit Home Loan Package It s about control: a loan that allows the equity in a property to be accessed for other investment purposes. Features Global borrowing limit Plan on paying off your loan sooner? Take control of your finances by using the Line of Credit Home Loan Package to set up two accounts: one to pay off your loan and the second for other investment purposes. s you pay down your loan sooner, you ll be able to access money quickly and easily for other purposes. Interest capitalisation Need to hold onto your cash? Consider an interest capitalisation strategy to improve your cashflow management. Multiple accounts Manage your finances using multiple accounts. You can choose different features for each account, including fixed 1 or variable interest rates, and principal and interest or interest only accounts. Principal and interest account splits Reduce the principal of your loan with every repayment and pay off your loan sooner. Optional insurance quote 2 You can request an obligationfree quote for building, contents or landlord insurance when submitting your application. In order to keep pricing competitive, flood cover is not included. When you select the Macquarie Line of Credit Home Loan Package you also receive: a discount 3 on the standard variable rate on your loan a great credit card 4 with the annual credit card fee waived 5 access to the global borrowing limit feature Macquarie Visa Platinum Cardholders can choose between Qantas Frequent Flyer Rewards 6, Macquarie s Mortgage Minimiser option 7, or Macquarie Rewards 8 earn more points by putting all your purchases on your Macquarie Card and benefit from up to 55 days interest free 9. Why bank with us? Convenient account access Our internet banking facilities give you access to your account 24 hours a day, seven days a week. Free TM access Your TM transactions are free when you use the wide range of TMs in our home network 10. Credit card rewards options Choose the rewards option that best suits your needs. Take out a Macquarie Line of Credit Home Loan Package and choose between: Macquarie s Mortgage Minimiser option an option available under Macquarie Rewards where your client accumulates points per $1 spent on their credit card to be used towards cash rebates on their Macquarie mortgage Qantas Frequent Flyer Rewards Macquarie Visa Platinum Cardholders can earn Qantas Points redeemable for ward flights 11 or a range of products and gift cards from the online Qantas Frequent Flyer Store 12 Macquarie Rewards to redeem points that can be used towards travel, gift vouchers and a range of other goods.

2 global borrowing limit gives you the flexibility to manage your home loan in a way that s consistent with your financial strategies. Take control with a global borrowing limit Macquarie s global borrowing limit may be useful if you are seeking the flexibility to access funds as you pay down your loan or want to use your loan to help manage your financial strategies. With a global borrowing limit, your overall credit limit is determined at a facility level rather than at the account level. s you pay down your debt, the funds available to you for other purposes automatically increase. global borrowing limit is a feature of Macquarie s Line of Credit Home Loan Package. You are in control. You don t have to apply for an additional loan or request permission to move money between loan accounts once you have sufficient funds available within your facility It s easy and hassle free. Funds can be accessed through any account automatically online or via a quick call to us There s no paperwork. s there s no change to the total limit you borrowed, there s no need to make changes to the loan contract. Smarter solutions for the financially astute The global borrowing limit is designed for those who are comfortably managing and paying down their loan and want to use additional funds for other purposes. Case study Jim takes out a mortgage to pay part of the purchase price of his property. He intends to pay his loan off sooner than the 30 year loan life, and in time would like to use some of the surplus funds to invest in shares. To achieve this Jim sets up a Line of Credit Home Loan Package with two interest only accounts: one for personal purposes (home loan) and one for investment purposes (share portfolio). Initially, Jim will need most of his funds to pay off his home loan, so the investment purposes account will be much smaller than the personal account. Jim directs income into account to pay down the owner-occupier debt. He also sets up a regular sweep to pay the monthly interest charged on account. ccessing funds for investment $ Salary and other income (PERSONL USE) alance $180,000 TOTL HOME LON FCILITY Sweep set up from ccount to ccount to pay monthly interest charged alance $20,000

3 $ Salary and other income fter one year, Jim has made extra repayments into account and the balance on this account has reduced to $170,000. s a result, he has $10,000 in his facility, which is now available TOTL to access. HOME LON FCILITY Jim wants to use these funds to invest in Company XYZ. With most other lenders, he would need to apply to the lender to have account reduced by $10,000 and account increased by $10,000. (PERSONL USE) There may be forms to sign and delays as a result of alance $180,000 alance $20,000 processing the request. y this stage Jim may have missed his opportunity to buy Company XYZ shares at the right price. When Sweep Macquarie s set up from ccount Line of to ccount Credit Home Loan Package is set up to with pay monthly interest interest only charged accounts, Jim simply logs into his account online and withdraws $10,000 from account. The funds available for investment at the global limit reduces to $0 and the balance for account increases to $30,000. Using Macquarie s Line of Credit Home Loan Package, Jim is able to access money quickly and easily without having to seek approval each time. He has also been able to keep the administration of his accounts well organised, so that account is used for investment purposes only and account remains aligned with non-investment debt. Please note: The case study provided is a fictitious example only and is provided for illustrative purposes to demonstrate the features of the global borrowing limit for Macquarie s Line of Credit Home Loan Package. It must not be relied upon for any reason. This case study does not constitute tax advice and makes no determination of the potential tax implications of the accounts and the transactions described above. Macquarie strongly recommends that you obtain and rely on independent tax advice referable to your individual circumstances and the features you select under the Line of Credit Home Loan Package. ccessing funds for investment TOTL HOME LON FCILITY vailable to invest $10,000 (PERSONL USE) alance $170,000 Client withdraws $10,000 to buy shares TOTL HOME LON FCILITY vailable to invest $0 (PERSONL USE) alance $170,000 alance $30,000 Client has $0 available to invest after withdrawing the surplus funds for investment purposes. alance $20,000

4 Line of Credit Home Loan Package LINE OF CREDIT HOME LON PCKGE Features ccounts Principal and interest Interest only Option to fix (terms one to five years) dditional payments on variable loans dditional payments on fixed loans Redraw Global borrowing limit Interest capitalisation Package inclusions One free variation 13 (per year) Discount on SVR 3 Macquarie Visa Credit Card Waived settlement fee Fees 10 (after settlement) (one account must remain variable minimum $20,000) Up to 5% of original fixed loan amount each year without additional fees (only available up to the loan limit) Platinum card (if approved credit limit is $6,000) Gold card (if approved credit limit is < $6,000) Documentation fee $330 (plus GST) $398 annually for package (one fee will apply for up to five loans, where the loan applications are ccount management fee submitted simultaneously for the same borrower on the Line of Credit Home Loan Package) Monthly fees $0 MCQURIE VIS PLTINUM CRD Interest free period 9 Up to 55 days on purchases only Rewards program Qantas Frequent Flyer Rewards 6 or Macquarie Rewards 8 Rewards point earning rate 1.25 Macquarie Reward points per $1 spent on eligible purchases 1 Qantas Point per $1 spent on eligible purchases Overseas travel insurance 14 Purchase protection cover 14 (90 days) Standard primary cardholder annual fee 5 $200 (waived) Complimentary concierge service MCQURIE VIS GOLD CRD Interest free period 9 Up to 55 days on purchases only Rewards program utomatic enrolment in Macquarie Rewards 8 Rewards point earning rate 1 Macquarie Reward point per $1 spent on eligible purchases Standard primary cardholder annual fee 5 $130 (waived) Complimentary concierge service No

5 Line of Credit Home Loan Package For more information visit macquarie.com.au This disclaimer applies to this entire document in whole or in part. Macquarie Securitisation Limited (MSL) (ustralian Credit Licence ) CN is the servicer of Macquarie home loans. Macquarie ank Limited (ML) (ustralian Credit Licence ) N provides and administers credit and is the issuer of the Macquarie Visa Platinum Card, Macquarie Visa Gold Card and Macquarie Visa RateSaver Card. This information has been prepared by Macquarie for general purposes only. efore making a decision about whether to acquire a credit or lending product, a person should obtain and review the terms and conditions relating to that product. ll applications are subject to Macquarie s standard credit approval criteria. Conditions apply. Fees and charges are payable. Except for ML, any Macquarie entity referred to on this page is not an authorised deposit taking institution for the purposes of the anking ct 1959 (Cth). That entity s obligations do not represent deposits or other liabilities of ML. ML does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise. 1 Fixed rate loans may be subject to significant break costs. Please refer to your loan contract and terms for details of break costs applicable. t the end of the fixed rate period, the loan rate will revert to the variable interest rate detailed in your loan contract, as applicable at that time. 2 This insurance is offered by Macquarie Mortgages Pty Ltd (CN ; R no ) (Macquarie) as an uthorised Representative of uto & General Services Pty Ltd (CN , FS Licence No ) (GS). This insurance product is issued by uto & General Insurance Company Limited (CN , FS Licence No ) (GIC) and administered by GS. ecause we don t know your financial needs, we can t advise if this insurance will suit you. To decide if the insurance is right for you please carefully read the relevant Product Disclosure Statement (PDS) and Financial Services Guide. Macquarie receives a commission which is a percentage of your premium. Terms and Conditions apply. pproved applicants only. Insurance not available in NT, North QLD, and northern W or flood zones. 3 To be eligible for the discount on the Macquarie ank Home Loan Package, you must apply for and activate your Macquarie ank credit card as part of the package. To retain the discount, you must keep your Macquarie ank credit card open for the life of the loan. Package Terms and Conditions apply. 4 pproval is subject to Macquarie Card Services credit criteria. Terms and conditions, fees and charges apply and are available on request. Your credit card will be made available shortly after settlement of your mortgage. Existing ML credit card holders will retain their existing cards, and these cards will be linked to the package. n annual fee for each additional card is waived if requested on the application form and applies if requested after settlement, currently $30 for Macquarie Visa Gold. If you have applied for a Macquarie Visa Platinum Card and your approved credit limit is less than $6,000, you will be issued with a Macquarie Visa Gold Card. Macquarie Card Services is a division of ML which provides and administers credit. 5 The card annual fee is payable if the mortgage package is no longer held, currently $130 for the Macquarie Visa Gold Card and $200 for the Macquarie Visa Platinum Card. non-refundable annual Qantas Frequent Flyer Rewards fee of $50 will apply to Macquarie Visa Platinum Cardholders who opt-in to Qantas Frequent Flyer Rewards. nnual fees are subject to change. 6 Qantas Frequent Flyer Rewards is available only to Macquarie Visa Platinum Card holders. Macquarie Rewards and Qantas Frequent Flyer Rewards are separate programs. ccount holders must opt-in to Qantas Frequent Flyer Rewards to earn Qantas Points. Qantas Points are earned in accordance with and subject to the Macquarie ank Rewards Program Terms and Conditions, available at macquarie.com.au/cards. You will earn one Qantas Point for each dollar spent on eligible purchases, up to an annual maximum of $200,000 of spend. Points are not earned on cash advances, balance transfers or other restricted transactions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points and to qualify for this option. joining fee may apply. Qantas Points do not have any monetary value and are not transferable or redeemable for cash. Qantas Points are issued by Qantas irways Limited. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer terms and conditions, available at qantas.com/terms. 7 Minimal contractual repayments on your mortgages still apply. 8 Macquarie Reward points are earned on up to $200,000 of spend annually on the Macquarie Visa Platinum and up to $130,000 of spend annually on the Macquarie Visa Gold. Rewards are subject to the Macquarie ank Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances, balance transfers or other restricted transactions. 9 Up to 55 days interest free on purchases only applies if your ccount is paid in full by the due date shown each month (including any balance transfers). 10 Includes all TMs branded Westpac, St George, ank of Melbourne or ank of S. Fees associated with the use of the Cashcard at Home Network TMs are detailed in the Macquarie ank Mortgage Solutions Fees and Charges guide. Macquarie does not charge for use of TMs outside the Home Network, however you may be charged directly by the TM owner at the time of the transaction. 11 Classic ward seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. Some flights may not have any Classic ward seats available. ward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer. 12 Store products are for delivery in ustralia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details. 13 For the Package loans, one general consent fee associated with a variation is waived per year. Year refers to anniversary of settlement. 14 Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport ccident Insurance, Purchase Security Insurance, Extended Warranty Insurance and Global Hire Car Excess Waiver are underwritten by CE Insurance Limited (N , FSL No ) (CE) and are subject to the terms, conditions and exclusions contained in the Macquarie ank Platinum Credit Card policy of insurance between ML and CE. This brochure doesn t take into account your objectives, financial situation or needs. It is important for you to read the Macquarie ank Credit Card Insurances Terms and Conditions available by calling and consider the appropriateness of that insurance in relation to your individual requirements. FS /15

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