New market investment offers

Term deposits 1 to 5 years

Heartland Interest Rates Effective 23 November 2012

New Investors:

· 6 months at 4.40% p.a. - with interest quarterly

· 12 months at 4.55% p.a. - with interest quarterly

Existing Investors:

· 6 months at 4.50% p.a. - with interest quarterly

· 12 months at 4.65% p.a. - with interest quarterly

Heartland Term PIE

· 12 Months at 4.65% p.a. – with interest quarterly

Please click here to download application form.

UDC Rate

Effective from 2 November 2012 for amounts up to $99,999.99

Interest Paid yearly

Interest Paid quarterly

Interest Paid monthly

1 year

4.30%

18 months

4.30%

2 years

4.40%

4.30%

3 years

4.60%

4.50%

4.40%

4 years

4.85%

4.65%

5 years

5.20%

5.00%

4.90%

Rates are quoted on a per annum basis and are subject to variation without notice.

Please check here for investment statement.

Disclaimer: This offer material is for information only - it is not an offer to subscribe or a recommendation. It is not a substitute for professional investment advice. IRG Ltd and their associates disclaim all liability or responsibility for any loss or damage that may result from the action or failure to act by any person in reliance on any material provided herein. For full details on offers please refer to the relevant prospectuses and investment statements.

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