ASSET EQUITY BUSINESS

 General Lending Rates

 Product Features

• Redraw Additional Information: Redraw of repaid principal above minimum required is available.

• Offset Additional Information: An offset account can be connected to the product.

• Digital Banking Additional Information: Access is available to online banking features for the product.

• Npp Enabled Additional Information: An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.

• Npp Payid Additional Information: An account of this product type can be used as the target of an NPP PayID.

• Notifications Additional Information: SMS and/or email notifications available.

 Product Eligibility

• Residency Status Additional Information: Individuals must be citizens or permanent residents of Australia.

• Other Additional Information: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.

 Bank Fees and Charges

• Staff Assisted Loan Redraw (Withdrawal), Amount: 30.00.

• Contract Variation Fee-mortgage Secured Loans And Overdrafts (Event), Amount: 300.00.

• Commercial Loan And Overdraft Service Fee Under $5000 (Periodic), Amount: 5.00.

• Commercial Loan And Overdraft Service Fee $5001 To $100000 (Periodic), Amount: 20.00.

• Commercial Loan And Overdraft Service Fee $100,001 To $250,000 (Periodic), Amount: 30.00.

• Commercial Loan And Overdraft Service Fee Greater Than $250000 (Periodic), Amount: 50.00.

• Establishment Fee Commercial Loans And Overdrafts Under $20000 (Upfront), Amount: 500.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Commercial Loans And Overdrafts $20000 To $100000 (Upfront), Amount: 600.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Commercial Loans And Overdrafts $100001 To $250000 (Upfront), Amount: 800.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Commercial Loans And Overdrafts Greater Than $250000 (Upfront), Amount: 1000.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Mortgage Discharge Fee-settlement (Event), Amount: 150.00. Additional Information: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.

• Mortgage Discharge Fee-non Settlement (Event), Amount: 100.00. Additional Information: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.

• Arrears Reminder Call Fee (Event), Amount: 5.00.

• Arrears 2nd And Subsequent Reminder Letter (Event), Amount: 20.00.

• Arrears Default Notice Fee (Event), Amount: 40.00.

• Insurance Renewal Fee (Event), Amount: 20.00.