Interest Rates

Personal Savings Products

^ New Savings Maximiser customers will receive a variable welcome rate of 6.25% p.a. for 4 months from account opening, on balances up to $250,000. This rate is subject to change and after 4 months will revert to the Savings Maximiser standard variable rate applicable at the time, which is currently 4.90% p.a.

**The 5.50% p.a. applies to your total balance, not just amounts $150,000 and over.

*The 5.25% p.a. applies to your total balance, not just amounts $50,000 and over.

#New Business Optimiser customers will receive a variable welcome rate of 6.15% p.a. for 6 months from account opening, on balances up to $1 million. This rate is subject to change and after 6 months will revert to the Business Optimiser standard variable rate applicable at the time, which is currently 4.90% p.a.

Personal Term Deposit interest rates are current as at 3 September 2010 and are subject to change.
The interest rates that apply to ING DIRECT Term Deposits are the interest rates that are current on the date the Term Deposit is opened.

A Loyalty Bonus will apply when you renew your Personal Term Deposit (for the same or a different term).

Business Term Deposit interest rates current as at 3 September 2010 and are subject to change.
The interest rates that apply to ING DIRECT Term Deposits are the interest rates that are current on the date the Term Deposit is opened.

A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).

Home Loan Products

Effective 16 August 2010 and subject to change. This comparison rate applies only to the example or examples given. Comparison rate based on $150,000 loan over a 25 year term.

*Where your total residential borrowings with ING DIRECT are $300,000 or more.

**Interest rate discounts available under SmartPack when borrowing $300,000 or more in aggregate, excluding Lo Doc and commercial loans. 0.06% p.a. off the Mortgage Simplifier rate and 0.50% p.a. off the Smart Home Loan rate. SmartPack fee applies.

Effective 3 September 2010 and subject to change. This comparison rate applies only to the example or examples given. Comparison rate based on $150,000 loan amount over a 25 year term.

Business Savings Products

# New Business Optimiser customers will receive a variable welcome rate of 6.15% p.a. for 6 months from account opening, on balances up to $1 million. This rate is subject to change and after 6 months will revert to the Business Optimiser standard variable rate applicable at the time, which is currently 4.90% p.a.

Business Term Deposit interest rates current as at 3 September 2010 and are subject to change.
The interest rates that apply to ING DIRECT Term Deposits are the interest rates that are current on the date the Term Deposit is opened.

A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).

Important Information

All applications for credit are subject to ING DIRECT's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available on request. These comparison rates are based on a loan amount of $150,000 over a loan term of 25 years. Warning: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

The advertised Savings Maximiser variable welcome rate is current as at 1 June 2010 and is subject to change. Variable welcome rate applies for 4 months from the date the Savings Maximiser is opened. At the end of the 4 month period, the rate that applies to your balance will be the Savings Maximiser standard variable rate applicable at the time. This offer is applicable on the first Savings Maximiser that you open (including joint accounts) and is for a limited time only.

The advertised Business Optimiser variable welcome rate is current as at 1 August 2010 and is subject to change. Variable welcome rate applies for 6 months from the date the Business Optimiser is opened. At the end of the 6 month period, the rate that applies to your balance will be the Business Optimiser standard variable rate applicable at the time. This offer is applicable on the first Business Optimiser opened per entity and is for a limited time only.

Any advice on this website does not take into account your objectives, financial situation or needs. Before making any decision in relation to our savings products you should read the relevant Product Disclosure Statement or Terms and Conditions Booklet, available at ingdirect.com.au or by calling 133 464 and consider whether it and any information in this statement is appropriate for you given your situation. If you have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you may have. ING DIRECT's savings products are issued by ING Bank (Australia) Limited. ABN 24 000 893 292.