OVERSEAS BORROWER - FIXED INTEREST RATES

OVERSEAS BORROWER - FIXED INTEREST RATES

Repayment Type Principal and Interest

Interest Only

Loan Type NAB Choice Package

NAB Tailored

NAB Choice Package - Interest in Arrears

NAB Tailored - Interest in Arrears

NAB Choice Package - Interest in Advance

NAB Tailored - Interest in Advance

Indicator Rate Name

1 year Package Fixed Rate for Home Loans 2 years Package Fixed Rate for Home Loans 3 years Package Fixed Rate for Home Loans 4 years Package Fixed Rate for Home Loans 5 years Package Fixed Rate for Home Loans 1 year Fixed Rate for Home Loans 2 years Fixed Rate for Home Loans 3 years Fixed Rate for Home Loans 4 years Fixed Rate for Home Loans 5 years Fixed Rate for Home Loans

1 year Package Fixed Rate for Interest Only in Arrears Home Loans 2 years Package Fixed Rate for Interest Only in Arrears Home Loans 3 years Package Fixed Rate for Interest Only in Arrears Home Loans 4 years Package Fixed Rate for Interest Only in Arrears Home Loans 5 years Package Fixed Rate for Interest Only in Arrears Home Loans 1 year Fixed Rate for Interest Only in Arrears Home Loans 2 years Fixed Rate for Interest Only in Arrears Home Loans 3 years Fixed Rate for Interest Only in Arrears Home Loans 4 years Fixed Rate for Interest Only in Arrears Home Loans 5 years Fixed Rate for Interest Only in Arrears Home Loans

1 year Package Fixed Rate for Interest Only in Advance Home Loans 2 years Package Fixed Rate for Interest Only in Advance Home Loans 3 years Package Fixed Rate for Interest Only in Advance Home Loans 4 years Package Fixed Rate for Interest Only in Advance Home Loans 5 years Package Fixed Rate for Interest Only in Advance Home Loans

1 year Fixed Rate for Interest Only in Advance Home Loans 2 years Fixed Rate for Interest Only in Advance Home Loans 3 years Fixed Rate for Interest Only in Advance Home Loans 4 years Fixed Rate for Interest Only in Advance Home Loans 5 years Fixed Rate for Interest Only in Advance Home Loans

Interest Rate %pa

8.69% 8.64% 8.44% 8.69% 8.79% 8.84% 8.79% 8.59% 8.84% 8.94%

8.79% 8.74% 8.54% 8.79% 8.89% 8.94% 8.89% 8.69% 8.94% 9.04%

8.69% 8.64% 8.44% 8.69% 8.79%

8.84% 8.79% 8.59% 8.84% 8.94%

Comparison rate %pa

9.62% 9.54% 9.41% 9.43% 9.42% 9.96% 9.83% 9.65% 9.63% 9.60%

9.66% 9.58% 9.45% 9.46% 9.46% 10.01% 9.88% 9.71% 9.69% 9.65%

9.70% 9.65% 9.55% 9.61% 9.63%

10.05% 9.96% 9.82% 9.84% 9.83%

Page 1 of 2

Effective 7 August 2023. These interest rates are subject to change.

SMSF - FIXED INTEREST RATES

Repayment Type Principal and Interest

Interest Only

Loan Type NAB Choice Package

NAB Tailored

NAB Choice Package - Interest in Arrears

NAB Tailored - Interest in Arrears

NAB Choice Package - Interest in Advance

NAB Tailored - Interest in Advance

Indicator Rate Name

1 year Package Fixed Rate for Home Loans - SMSF 2 years Package Fixed Rate for Home Loans - SMSF 3 years Package Fixed Rate for Home Loans - SMSF 4 years Package Fixed Rate for Home Loans - SMSF 5 years Package Fixed Rate for Home Loans - SMSF 1 year Fixed Rate for Home Loans - SMSF 2 years Fixed Rate for Home Loans - SMSF 3 years Fixed Rate for Home Loans - SMSF 4 years Fixed Rate for Home Loans - SMSF 5 years Fixed Rate for Home Loans - SMSF 1 year Package Fixed Rate for Interest Only in Arrears Home Loans - SMSF 2 years Package Fixed Rate for Interest Only in Arrears Home Loans - SMSF 3 years Package Fixed Rate for Interest Only in Arrears Home Loans - SMSF 4 years Package Fixed Rate for Interest Only in Arrears Home Loans - SMSF 5 years Package Fixed Rate for Interest Only in Arrears Home Loans - SMSF 1 year Fixed Rate for Interest Only in Arrears Home Loans - SMSF 2 years Fixed Rate for Interest Only in Arrears Home Loans - SMSF 3 years Fixed Rate for Interest Only in Arrears Home Loans - SMSF 4 years Fixed Rate for Interest Only in Arrears Home Loans - SMSF 5 years Fixed Rate for Interest Only in Arrears Home Loans - SMSF

1 year Package Fixed Rate for Interest Only in Advance Home Loans - SMSF 2 years Package Fixed Rate for Interest Only in Advance Home Loans - SMSF 3 years Package Fixed Rate for Interest Only in Advance Home Loans - SMSF 4 years Package Fixed Rate for Interest Only in Advance Home Loans - SMSF 5 years Package Fixed Rate for Interest Only in Advance Home Loans - SMSF 1 year Fixed Rate for Interest Only in Advance Home Loans - SMSF 2 years Fixed Rate for Interest Only in Advance Home Loans - SMSF 3 years Fixed Rate for Interest Only in Advance Home Loans - SMSF 4 years Fixed Rate for Interest Only in Advance Home Loans - SMSF 5 years Fixed Rate for Interest Only in Advance Home Loans - SMSF

Interest Rate %pa

8.69% 8.64% 8.44% 8.69% 8.79% 8.84% 8.79% 8.59% 8.84% 8.94% 8.79% 8.74% 8.54% 8.79% 8.89% 8.94% 8.89% 8.69% 8.94% 9.04%

8.69% 8.64% 8.44% 8.69% 8.79% 8.84% 8.79% 8.59% 8.84% 8.94%

Comparison Rate %pa

9.62% 9.54% 9.41% 9.43% 9.42% 9.96% 9.83% 9.65% 9.63% 9.60% 9.73% 9.63% 9.48% 9.48% 9.46% 10.08% 9.93% 9.74% 9.70% 9.65%

9.77% 9.71% 9.58% 9.62% 9.63% 10.13% 10.02% 9.85% 9.85% 9.83%

Explanation of interest rates Having trouple understanding the difference between interest rate, comparison rate and advertised (indicator) rate? Here's an explanation: Advertised (indicator) rate: This is a rate used as a base for calculating an interest rate being described in our loan contracts as our "advertised" rate

Interest rate: This is used to determine the interest rate charged on individual loan products. The interest rates shown here are our current standard rates. The interest rate is the advertised indicator rate for the home loan plus/les any margins.

Comparison rate: This is a rate which shows as a single figure our current standard interest rate for the loan plus certain standard fees and charges (not all fees and charges are included. This is to help you compare the cost of loans between different lenders.

Page 2 of 2

Effective 7 August 2023. These interest rates are subject to change.

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