Home Package Plus Standard Variable FHB Special Offer Home Package Plus - Standard Variable FHB Special Offer LVR <95% $150K+ (Principal & Interest) (Owner Occupied)

Notes

Special Offer From Tuesday 12 September - Additional discount on HPP Variable interest rate - Additional discount on Back to Basics interest rates - Additional discount on HPP 5 Year Fixed interest rate Conditions: - New lending >=$150,000 - Interest Only repayments will be considered for construction loans only, in conjunction with this offer - Maximum LVR 90% inclusive of LMI - Pre-approvals excluded Package discounts apply to complete applications for new loans of $150,000 and above. Package discounts are subject to change without notice and may be withdrawn at any time before a contract is entered into. The package discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. Pre-approvals excluded. The Package Variable discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose or repayment type is changed before settlement. Discounted rate may be changed/removed if customer varies the loan during its life and/or fails to maintain a Home Package Plus. The discounted rate offer may be withdrawn by the Bank at any time before a loan contract is entered. The Home Package Plus helps borrowers save money and reduce the cost of borrowing and managing their money. The more home loans or other eligible products the greater the savings. Package Benefits: - No upfront establishment fees or ongoing account keeping fees on home loans for as long as they remain in the Package - Unlimited number of eligible home loans can be included within the Package - Discounts on a range of products across banking, lending and insurance Includes a Suncorp Bank transaction account with no monthly account keeping fee (Everyday Options accounts issued by Suncorp Bank. Please read a copy of the Product Information Document before making any decision regarding this product. Contact Suncorp Bank for a copy). OTHER PRODUCT INFO: A home loan that safeguards against interest rate increases for the agreed period. For customers seeking certainty in commitment level with the option of making limited additional repayments. Key Benefits: - Offers protection in a rising interest rate environment. - Enables customers to budget for the future with confidence. - Additional repayments allowable up to a limit before charges apply. Available for Personal Purpose Not available for Business Purposes. Loan Term: Personal Purpose – 8 to 30 Years. Up to 2 different loans for the same property can apply if required. Additional repayments of up to $500 per month can be made before fees apply. EPIA (Early Payment Interest Adjustment) may apply if the monthly pre-payment amount is exceeded. Customers can ask for an estimate of the EPIA prior to making their additional repayments. Further advances are not available during the fixed rate period. Further lending during this period would be by way of a separate loan facility. Interest Offset is available with this product. Up to 90% max LVR for vacant land pending on the postcode. Max loan term for vacant land is 25 Years. PLEASE NOTE: Suncorp Bank will require evidence of property insurance to be provided prior to funding, for collateral offered as security for Retail and Small Business loan applications where the total combined exposure (TCE) is equal to or greater than $750K. Although the policy applies where customers TCE $750K or more, Suncorp Bank recommends to provide written evidence of property insurance to be provided for all Retail and Small Business Loans prior to settlement booking where residential property (new or existing) is offered or held as security. For more information visit the Business Partners website or contact your Suncorp Bank BDM.

LVR Notes

LMI payable above 80%. LVR is capped at 95% (including LMI) Effective Friday, 1 September 2017 the Home Package Plus special offer for first home buyers will be adjusted as follows: - The current $1,000 discount on Lenders Mortgage Insurance (LMI) will no longer be available. - Instead, eligible first home buyers will have the $375 Home Package Plus annual fee waived for the life of the loan, which adds up to potential savings of $11,250 for the full term of a 30 year home loan Annual package fee waiver applies to owner-occupied first home buyers (i.e. have never purchased a property) who take out a Home Package Plus with a new Standard Variable Rate or 5 Year Fixed Rate loan of at least $150,000. The annual package fee of $375 will be charged and refunded for the life of the loan, expiring only if the loan is closed or varied out of the product or package. Offer valid from 01/09/2017 and is subject to change without notice and may be withdrawn at any time before a credit contract is entered into.