Indicator rates - deposit products

Monday, 16 November 2015

Important information

Unless otherwise specified, this document forms part of the product disclosure statement and/or terms and conditions for each of the accounts above along with Personal banking fees and charges (for products marked *, ~, ~~, ǿ or §) or Interest rates, fees and charges (for business banking products marked ^) and:
Personal transaction and savings products Terms and Conditions (for products marked *)
Personal transaction and savings products (off sale) Terms and Conditions (PDF, 495KB) (for products marked ~, ǿ)
NAB Cash Manager Terms and Conditions (for product marked ~~)
NAB Business Products Terms and Conditions (for products marked ^)
NAB Cash Management Account (offsale) Terms and Conditions (PDF, 440KB)
If you would like a copy of these documents, contact NAB as explained below.

** For accounts opened from 13/03/2015 for four months from account opening. A fixed bonus interest rate of 0.70% p.a. applies to that part of the balance up to $1 million. After four months accounts will receive the standard variable NAB iSaver interest rate. The portion of any balance above $1 million will receive the standard variable NAB iSaver interest rate.

*** For accounts opened from 14/01/2015 to 12/03/2015 for four months from account opening. A fixed bonus interest rate of 0.90% p.a. applies to that part of the balance up to $1 million. After four months accounts will receive the standard variable NAB iSaver interest rate. The portion of any balance above $1 million will receive the standard variable NAB iSaver interest rate.

## By applying for a NAB SMSF Cash Maximiser account, you will receive a NAB Business Cash Maximiser account and the ordinary indicator rate for that product will be replaced by the NAB Business Cash Maximiser (SMSF) rate or the NAB Business Cash Maximiser (SMSF Plus) rate, as applicable. The NAB Business Cash Maximiser Account (SMSF Plus) rate will apply to amounts between $10,000 and $1,999,999 only if you have an open NAB Term Deposit or nabtrade account (“qualifying account”) in the same name and capacity as your Cash Maximiser account and you tell NAB that you have a qualifying account when applying. Amounts above $1,999,999 will receive the SMSF Business Cash Maximiser (SMSF) rate. You will not receive the SMSF Plus rate if you no longer have a qualifying account. If you open a qualifying account after opening your NAB SMSF Cash Maximiser account you may ask NAB to apply the SMSF Plus rate. You will only receive the SMSF Plus rate once NAB confirms in writing that this has been applied. The nabtrade service (nabtrade) is provided by WealthHub Securities Limited ABN 83 089 718 249 AFSL No. 230704, a wholly owned subsidiary of NAB. NAB doesn't guarantee the obligations or performance of its subsidiaries or the products or services its subsidiaries offer. An investment through nabtrade does not represent a deposit or other liability with NAB.

§§ Applicable to accounts overdrawn without an approved overdraft limit.
¶ A Product Disclosure Statement is not available for NAB Portfolio Facility/ NAB Private Portfolio Facility - please refer to the NAB Portfolio Package/ NAB Private Portfolio Package General Terms and Conditions.
# Including Gold Banking accounts that form part of NAB Choice Package.

ǂ 0.25% p.a. on the first $1,999, then 1.50% p.a. on that part of the balance between $2,000 and $46,600, then 3.00% p.a. on that part of the balance over $46,601.

^^ 0.01% p.a. for NAB FlexiPlus Mortgage Facility credit balances below $20,000.
† Paid on balance over $5,000. The first $5,000 earns no interest.
†† For accounts opened from 10/9/07. For accounts opened earlier, please contact your banker or call NAB on 13 10 12.
Any advice in this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this document, National Australia Bank Limited recommends that you consider whether it is appropriate for your circumstances. Before making any decisions regarding any of the products covered by this document, NAB recommends you consider the applicable Product Disclosure Statement or other disclosure document, available from NAB.
The products covered by this document are issued by National Australia Bank Limited ABN 12 004 044 937 AFSL 230686.
This information was prepared on 13 November 2015.
All rates are effective 16 November 2015, and are subject to change at any time. Fees and Charges apply. To find out more, visit nab.com.au, call into a NAB branch, or call 13 13 12 for information on personal rates or 13 10 12 for information on business rates.

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