Banking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Australian Unity Bank Limited is wholly owned subsidiary of Australian Unity Limited.

Fees, and charges and lending criteria apply for all transaction, savings and deposit accounts, loans and credit cards which are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Please refer to Terms and Conditions before applying for any product. Australian Unity Bank Limited is covered by the Financial Claims Scheme, which protects depositors through the provision of a guarantee on deposits up to a cap (currently $250,000) per account holder, per authorised deposit-taking institution (ADI). For more information please view our page or the APRA website at www.fcs.gov.au.

Information is correct as at 08 July 2024 and is subject to change. Australian Unity reserves the right to offer rates, fees and charges that differ from those currently promoted on the website or advertised. Australian Unity, 271 Spring St, Melbourne, Victoria 3000.

¹ Lending criteria, Terms and Conditions apply. Owner occupier loans, investor loans, transaction and savings accounts are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994 (Australian Unity). Australian Unity is a fully owned subsidiary of Australian Unity Limited. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, any Product Disclosure Statement and Key Fact Sheet (if applicable), Financial Services Guide and Credit Guide available at australianunity.com.au/banking/terms-and-conditions or by calling 1300 790 740 before acquiring any product.

Australian Unity reserves the right to offer rates, fees and charges that differ from those currently promoted on the website or advertised. Our target market determinations are available at australianunity.com.au/banking/target-market-determinations.

This is an exclusive offer and is subject to approval and available only to healthcare professionals. Australian Unity reserves the right to amend or discontinue the offer at any time. Apply before 30 June 2025 to be eligible for this offer.

²The ongoing variable interest rate applicable to the Freedom Saver Account is determined by the value of the balance in the Freedom Saver Account. Balances up to $5,000,000.00 are eligible to earn interest as outlined by the interest tiering structure set out in the Schedule of Interest Rates – Transaction and Savings Accounts. When your balance increases to the next interest rate tier you will receive the interest rate for that tier on the entire balance of your Freedom Saver Account. Interest is calculated daily and paid monthly. Balances over $5,000,000.00 will not earn interest. Freedom Saver Accounts are required to have a linked Australian Unity Transaction Account and all withdrawals must be made via the linked Transaction Account. The Freedom Saver Account is only available to new customers aged 16 or over. Offer is limited to 1 Account per customer. Customers cannot open a new Account within 90 days of closure of the same type of Australian Unity savings or transaction Account. Refer to the Schedule of Interest Rates – Transaction and Savings Accounts booklet for more details on fees applicable to the Australian Unity Bank Transaction Account and Freedom Saver Account. Interest rates are subject to change at Australian Unity Bank’s discretion and in accordance with the relevant notice period prescribed within the ‘Australian Unity Bank Transaction, Savings and Investment Products Terms and Conditions’. Interest rates are current and are subject to change. Our Target Market Determinations are available at australianunity.com.au/banking/target-market-determinations.

³Interest paid on maturity of Term Deposits with terms less than 12 months. Term Deposits with terms 12 months and above, interest is paid 6 monthly or annually except where specified otherwise in our ‘Schedule of Interest Rates - Investment Accounts’ available at australianunity.com.au/banking/terms-and-conditions. Information is correct as at 16 October 2024 and is subject to change. Australian Unity reserves the right to offer rates, fees and charges that differ from those currently promoted on the website or advertised.

⁴Fees, charges and lending criteria apply and product terms and conditions available on application. Please refer to the terms and conditions at australianunity.com.au/banking/terms-and-conditions before applying for any product. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions available at australianunity.com.au/banking/terms-and-conditions including low rate visa credit card conditions of use, any product disclosure statement (if applicable) and financial services guide before acquiring any product. Refer to low rate visa credit card key facts sheet found at australianunity.com.au/banking/low-rate-visa-credit-card detailing the facts relating to the low rate visa credit card. Our target market determinations are available at australianunity.com.au/banking/target-market-determinations.