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 A Guide to Fees and Charges - Personal Banking Fees (for products marked *, ~, ~~, ǿ or §) or Business Banking Fees - A guide to Fees and Charges (for products marked ^) and:
Personal Transaction and Savings Products Terms and Conditions (for products marked *)
Personal Transaction and Savings Products (Off Sale) Terms and Conditions Part one (for products marked ~)
Personal Transaction and Savings Products (Off Sale) Terms and Conditions Part two (for products marked ǿ)
NAB Cash Manager Terms and Conditions (for product marked ~~)
NAB Investment Cash Manager Product Disclosure Statement (for product marked §)
NAB Business Products Terms and Conditions (for products marked ^).
If you would like a copy of these documents, contact NAB as explained below.
* For accounts opened from 16/12/2011 for 4 months from account opening. At NAB's discretion, this rate may apply effective 16/12/2011 to accounts opened 25/11/11 to 15/12/11 for the remaining part of the 4 months from account opening. A fixed bonus interest rate of 1.35% pa applies to that part of the balance up to $1 million. After 4 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 11/03/2011 to 15/12/2011 for 4 months from account opening. A fixed bonus interest rate of 1.00% pa applies to that part of the balance up to $1 million. After 4 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.
§§ Applicable to accounts overdrawn without an approved overdraft limit.
¶ A Product Disclosure Statement is not available for NAB Portfolio Facility - please refer to the NAB Portfolio Package General Terms and Conditions.
# Including Gold Banking accounts that form part of NAB Choice Package and NAB Private Tailored Package.
## Including NAB FlexiAccount Choice Package and NAB FlexiAccount - Tailored Home Loan.
‡ 1.00% pa on the first $1,999, then 3.00% pa on that part of the balance between $2,000 and $44,600, then 4.50% pa on that part of the balance over $44,601.
‡‡ 1.00% pa on the first $1,999, then 3.00% pa on that part of the balance between $2,000 and $44,600, then 4.50% pa on that part of the balance over $44,601.
^^ 0.01% pa for NAB FlexiPlus Mortgage Facility and NAB Home Equity Line of Credit 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 10 February 2012. All rates are effective 13 February 2012, 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.
