CANSTAR CANNEX Innovation Awards – April 2010.

^Visa Debit Card available to customers who have an Australian residential address and who are over the age of 18. *Terms and conditions apply. +Purchases using your FreedomCard, Maestro/Cirrus ATM Card and BPay® will also be rounded. Purchases refers to purchases made in Australian dollars to a merchant in Australia. **We also round withdrawals using your Visa Debit Card when you press the credit button at an ATM, withdrawals from an Electronic Agency and through Bank@Post, and purchases made overseas using your Maestro/Cirrus ATM Card. ***This is only an example. Please see the Terms and Conditions for more information. ++The breakdown of transactions is a guide only, it is not intended to be a substitute for your own budget or financial plan. ~The monthly account service fee will be waived for each calendar month that customer initiated deposits totalling a minimum of $2000 are made into SENSE Everyday Account by the last business day of the month. Any deposits made after the last business day of the month will be included in the minimum total monthly deposits calculation for the next month. Fees, terms and condition apply. Daily transaction limits apply. This information does not take into account your financial circumstances. Before acting on this information, you should read the Terms and Conditions, available at any branch or stgeorge.com.au and consider whether it is right for you. SENSE Everyday Account and SENSE Savings Account are issued by St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714.

®Registered to BPAY Pty Ltd ABN 69 079 137 518