Interest Rates Brochure

Savings Accounts/Transaction Accounts
Term Investments
Payment Services

Cairns Penny Savings & Loans Limited ABN 68 087 933 757
ABN 68 087 933 757
AFS Licence No. 244324
Interest Rate Brochure
Date: 8th January 2007

How to Contact Us

If you have any qsuestions or need more information, please contact us by:

Mail: Cairns Penny Savings & Loans
PO Box 5272
Cairns QLD 4870

Phone: (07) 40314460
Fax: (07) 40313736

Email: info@cairnspenny.com.au
Website: www.cairnspenny.com.au

Savings Accounts

Type
Balance
Interest ( on whole balances )
S21 Access Plus Account*** $0 - $999
$1,000 - $99,999
$100,000+
0.00% pa
1.00% pa
4.50% pa
S5 Pensioner Account* $0 - $38,400
$38,401+
3.00% pa
5.00% pa
S6 Christmas Club Account** $0+ 2.75% pa
S3 Pennywise Account $0+ Interest offset on nominated loan by the loan annual percentage rate less 2.00% pa
S8 Business Cheque Account**** $0 - $499
$500 - $49,999
$50,000+
0.50% pa
0.50% pa
1.50% pa
S8 Secured overdraft Account**** Credit
Debit
As above
9.00% pa
S2 Savings Investment Account** $0 - $999
$1,000 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000+
0.25% pa
1.00% pa
1.50% pa
2.00% pa
3.25% pa
S4 Personal Cheque Account*** $0 - $499
$500 - $49,999
$50,000+
0.50% pa
0.50% pa
1.50% pa

EFFECTIVE: 8th January 2007

All rates are subject to change without notice.

* Interest calculated on daily balances and credited annually (30 June)
** Interest calculated on daily balances and credited annually (31 October).
*** Interest calculated on daily balances and credited quarterly.
**** Interest calculated on daily balances and credited / debited monthly.

# Conditions Apply.