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*The nominated CUA savings account at the time the loan is funded must remain open for the fixed rate period. Advanced payments in excess of the permitted 3 agreed repayments (AGR) allowance, will be transferred to this account at the end of each day.

** Introductory Rate Termination Fee (IRTF) will no longer be charged for new introductory home loans funded on or after 1 July 2011. It is still applicable for an introductory product loan where the funding date was prior to 1 July 2011 and if the loan is paid out within the first 3 years of loan issue.

# Early Payout Fee (EPF) applies if loan is paid out early or switches from a fixed rate during the fixed rate period.