SmartSaver SmartSaver Home Loan As part of the SmartSuite product range, SmartSaver is a no frills home loan with a competitive variable rate and no monthly administration fees. SmartSaver still has the flexibility of redraw, voluntary repayments and a choice of Principal & Interest or Interest Only repayments. Product Overview Loan purpose Purchase or refinance of an owner occupied or investment property Application restrictions  No construction or land  No Go-Between  No company or trust applicants  No overseas or non-permanent Australian resident applicants  No inner city apartments  No low documentation applications  No second mortgages  Maximum of 3 securities  No self employed less than 2 years.  Maximum $50,000 cash out available Interest rates SmartSaver variable rate Application/ settlement fees  Standard application fee $375  Settlement fee $120 Additional fees are payable if you have more that one security property or require the support of a guarantor Administration fee Nil Loan amounts  Minimum $10,000  Maximum $5 million subject to LMI. Loan terms 5-30 year terms. Statements Bi annually in June and December Interest calculated Interest is calculated daily on the closing balance of the loan and is charged monthly. Loan to valuation ratio (LVR)  Up to 95%* including capitalised LMI (principal and interest). Adelaide Bank a Division of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178. Australian Credit Licence 237879 GPO Box 1048, Adelaide SA 5001 adelaidebank.com.au Information correct and is subject to change. Adelaide Bank lending criteria, fees and charges apply. Ful l details of terms & conditions available on application. Version Dated 12 August 2014 Page 1 of 2  Up to 90%* plus capitalised LMI (interest only). *All LVRs subject to loan purpose and LMI approval Repayment frequency SmartFit and SmartFix  Weekly, fortnightly or monthly repayments (principal and interest).  Monthly repayments (interest only). Voluntary repayments Extra repayments may be made at any time without penalty. Split loans Available. Split your loan into more than one portion. Additional $100 loan application fee applies per split. Redraw Available. Free online/ phone banking redraws. Manual redraw requests – $50. Minimum redraw amount $500. Credit increases Available. Loan variation fee applies. Minimum credit increase amount $10,000. Rate conversion Available to fix rate or add offset account. Loan variation fee applies Adelaide Bank a Division of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178. Australian Credit Licence 237879 GPO Box 1048, Adelaide SA 5001 adelaidebank.com.au Information correct and is subject to change. Adelaide Bank lending criteria, fees and charges apply. Ful l details of terms & conditions available on application. Version Dated 12 August 2014 Page 2 of 2