HOME LOANS, MORTGAGES & CREDIT CARDS Make an enquiry. Find a local branch. Call 13 19 87. Make an enquiry. Find a local branch. Find a local branch or ATM. You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre

team.

PERSONAL BANKING TOOLS Banking whenever, wherever you are. Online Banking Easy, fast banking on the go. Local branches Find your nearest branch, we’re here to help! Fee free Newcastle Permanent ATM transactions And access to the four major banks ATMs for free. Worldwide access with VISA^ Online, overseas or over the phone. INTERNET BANKING REGISTER The flexibility to bank at any time, anywhere. No matter where you are or what time it is, managing your finances is simple when you register for Internet Banking. With access to a range of great features, you can easily and securely manage your day-to-day finances. Payment Limits Manage your daily limits for BPAY®, third party transfers and

EVERYDAY BANKING

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59

EVERYDAY ACCOUNTS

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 DIGITAL BANKING I TOOLS & SERVICES Keep on top of your finances with the convenience of our digital banking options. Use any device to log on to internet banking or download our app to manage your money anywhere, anytime. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, activate your card and

change your PIN

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a.

HOME INSURANCE

Buildings and Contents Insurance Combine your building and contents cover to receive up to 10% discount on your premium.^^** ; Buildings Insurance Designed to cover the physical structures that make up your home buildings, including the garage, deck, sheds and more.; Contents Insurance Designed to cover items at your home, from furniture and white goods, to personal belongings like computers PERSONAL LOAN CALCULATOR Personal loan. Live your best life with a personal loan funded renovation, overseas holiday or even buying a car or boat. With our Personal Loan you can enjoy the certainty of a fixed rate for the life of the loan and the flexibility to choose either weekly, fortnightly or monthly repayments. HOME LOAN REPAYMENT CALCULATOR Home loan repayment calculator. Our Home loan repayment calculator will help you work out how much you could afford to dedicate to home loan repayments in your budget. Simply enter some details about your home loan amount, term and rate, and calculate your repayments in moments. It's important to note, figures provided by our calculator

are

HOME LOANS, MORTGAGES & CREDIT CARDS Make an enquiry. Find a local branch. Call 13 19 87. Make an enquiry. Find a local branch. Find a local branch or ATM. You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre

team.

PERSONAL BANKING TOOLS Banking whenever, wherever you are. Online Banking Easy, fast banking on the go. Local branches Find your nearest branch, we’re here to help! Fee free Newcastle Permanent ATM transactions And access to the four major banks ATMs for free. Worldwide access with VISA^ Online, overseas or over the phone. INTERNET BANKING REGISTER The flexibility to bank at any time, anywhere. No matter where you are or what time it is, managing your finances is simple when you register for Internet Banking. With access to a range of great features, you can easily and securely manage your day-to-day finances. Payment Limits Manage your daily limits for BPAY®, third party transfers and

EVERYDAY BANKING

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59

EVERYDAY ACCOUNTS

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 DIGITAL BANKING I TOOLS & SERVICES Keep on top of your finances with the convenience of our digital banking options. Use any device to log on to internet banking or download our app to manage your money anywhere, anytime. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, activate your card and

change your PIN

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a.

HOME INSURANCE

Buildings and Contents Insurance Combine your building and contents cover to receive up to 10% discount on your premium.^^** ; Buildings Insurance Designed to cover the physical structures that make up your home buildings, including the garage, deck, sheds and more.; Contents Insurance Designed to cover items at your home, from furniture and white goods, to personal belongings like computers PERSONAL LOAN CALCULATOR Personal loan. Live your best life with a personal loan funded renovation, overseas holiday or even buying a car or boat. With our Personal Loan you can enjoy the certainty of a fixed rate for the life of the loan and the flexibility to choose either weekly, fortnightly or monthly repayments. HOME LOAN REPAYMENT CALCULATOR Home loan repayment calculator. Our Home loan repayment calculator will help you work out how much you could afford to dedicate to home loan repayments in your budget. Simply enter some details about your home loan amount, term and rate, and calculate your repayments in moments. It's important to note, figures provided by our calculator

are

COVID-19 VACCINE SCAMS COVID-19 vaccine scams. It’s a sad fact that Australians are no strangers to being scammed. Last year alone, scams relating to Coronavirus cost Australians over $8.4 million, according to Scamwatch. And now, cyber-security experts are warning that we may soon be faced with a new onslaught of targeted, COVID-19 vaccine

scams.

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a. COMPARE HOME LOAN RATES 3.34%p.a. Premium Plus Package - Discount 2. 3.31%p.a. 3.70%p.a. *** Premium Plus Package Variable Rate Discounted interest rates are available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with principal and REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310. RECOGNITION ON A GLOBAL SCALE| NEWCASTLE PERMANENT Recognition on a global scale. Friday 16, April 2021. Regional NSW headquartered Newcastle Permanent has climbed higher on the Forbes annual ranking of ‘World’s Best Banks,' named as the top Australian-owned financial institution and second overall in Australia by over 43,000 customers surveyed globally. Newcastle Permanent CEO,

Bernadette

OFFSET ACCOUNT

Offset accounts allow the balance of the account to reduce the home loan amount on which you are charged interest. For example, if you owe $400,000 on your home and you have $25,000 in a linked offset account, you will only be charged interest on $375,000 of your home loan (i.e. $400,000 home loan less $25,000 in the offset account = $375,000

SAVINGS ACCOUNTS

1.40%p.a. Entire balance over $250,000 ᴥ. 1.40%p.a. Interest rates effective as of 28/05/2021 and are subject to change without notice. ∞Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $150 higher than the opening balance on the first day of that month 5 WAYS TO USE A TERM DEPOSIT Choosing the right term deposit does require a little leg-work. You should compare: 1. Interest rates. Look for the highest interest rate available and understand when the interest is paid on your balance. Is it calculated monthly, annually or at maturity – i.e. at the end of

the term? 2.

HOW TO NAIL AN ONLINE INTERVIEW Here are our 6 tips to nailing online job interviews, and sealing the deal. 1. Trial run your technology. Whether Zoom, Skype, Webex or Teams is the online interviewing platform of choice, we recommend setting up a practice run with a friend or family member to get familiar with the log in process and screen set up.

VISA DEBIT CARD

Your Visa Debit card will provide you with a convenient way to access local currencies overseas. Accessing your accounts overseas. A Visa Debit card can be used for purchases and ATM withdrawals while overseas. Best of all, it only uses money from your own account and because it is a Visa card, you can use it anywhere Visa is accepted

worldwide.

HOME LOANS, MORTGAGES & CREDIT CARDS Make an enquiry. Find a local branch. Call 13 19 87. Make an enquiry. Find a local branch. Find a local branch or ATM. You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre

team.

PERSONAL BANKING TOOLS Banking whenever, wherever you are. Online Banking Easy, fast banking on the go. Local branches Find your nearest branch, we’re here to help! Fee free Newcastle Permanent ATM transactions And access to the four major banks ATMs for free. Worldwide access with VISA^ Online, overseas or over the phone. INTERNET BANKING REGISTER The flexibility to bank at any time, anywhere. No matter where you are or what time it is, managing your finances is simple when you register for Internet Banking. With access to a range of great features, you can easily and securely manage your day-to-day finances. Payment Limits Manage your daily limits for BPAY®, third party transfers and

EVERYDAY BANKING

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 DIGITAL BANKING I TOOLS & SERVICES Keep on top of your finances with the convenience of our digital banking options. Use any device to log on to internet banking or download our app to manage your money anywhere, anytime. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, activate your card and

change your PIN

REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310.

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a. ACCESSING YOUR MONEY A Newcastle Permanent Cashcard, available on several of our great account options, can provide you fast, convenient access to your money. Withdraw cash from ATMs throughout Australia. Make purchases and get cash-out at participating retail outlets using EFTPOS. Embedded chip technology to enhance payment information security. HOME LOAN REPAYMENT CALCULATOR Home loan repayment calculator. Our Home loan repayment calculator will help you work out how much you could afford to dedicate to home loan repayments in your budget. Simply enter some details about your home loan amount, term and rate, and calculate your repayments in moments. It's important to note, figures provided by our calculator

are

5 WAYS TO USE A TERM DEPOSIT Choosing the right term deposit does require a little leg-work. You should compare: 1. Interest rates. Look for the highest interest rate available and understand when the interest is paid on your balance. Is it calculated monthly, annually or at maturity – i.e. at the end of

the term? 2.

HOME LOANS, MORTGAGES & CREDIT CARDS Make an enquiry. Find a local branch. Call 13 19 87. Make an enquiry. Find a local branch. Find a local branch or ATM. You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre

team.

PERSONAL BANKING TOOLS Banking whenever, wherever you are. Online Banking Easy, fast banking on the go. Local branches Find your nearest branch, we’re here to help! Fee free Newcastle Permanent ATM transactions And access to the four major banks ATMs for free. Worldwide access with VISA^ Online, overseas or over the phone. INTERNET BANKING REGISTER The flexibility to bank at any time, anywhere. No matter where you are or what time it is, managing your finances is simple when you register for Internet Banking. With access to a range of great features, you can easily and securely manage your day-to-day finances. Payment Limits Manage your daily limits for BPAY®, third party transfers and

EVERYDAY BANKING

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 DIGITAL BANKING I TOOLS & SERVICES Keep on top of your finances with the convenience of our digital banking options. Use any device to log on to internet banking or download our app to manage your money anywhere, anytime. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, activate your card and

change your PIN

REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310.

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a. ACCESSING YOUR MONEY A Newcastle Permanent Cashcard, available on several of our great account options, can provide you fast, convenient access to your money. Withdraw cash from ATMs throughout Australia. Make purchases and get cash-out at participating retail outlets using EFTPOS. Embedded chip technology to enhance payment information security. HOME LOAN REPAYMENT CALCULATOR Home loan repayment calculator. Our Home loan repayment calculator will help you work out how much you could afford to dedicate to home loan repayments in your budget. Simply enter some details about your home loan amount, term and rate, and calculate your repayments in moments. It's important to note, figures provided by our calculator

are

5 WAYS TO USE A TERM DEPOSIT Choosing the right term deposit does require a little leg-work. You should compare: 1. Interest rates. Look for the highest interest rate available and understand when the interest is paid on your balance. Is it calculated monthly, annually or at maturity – i.e. at the end of

the term? 2.

COVID-19 VACCINE SCAMS COVID-19 vaccine scams. It’s a sad fact that Australians are no strangers to being scammed. Last year alone, scams relating to Coronavirus cost Australians over $8.4 million, according to Scamwatch. And now, cyber-security experts are warning that we may soon be faced with a new onslaught of targeted, COVID-19 vaccine

scams.

REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310. ONLINE SAVINGS ACCOUNT Online Savings Account. Entire Balance (including Introductory Bonus Rate Offer#) 0.50. %. P.A. Reach your savings goal. The Online Savings Account has no monthly account keeping or transaction fees. Simply have an Everyday Account, home loan or credit facility with us to be able to open an Online Savings Account.

HOME INSURANCE

Buildings and Contents Insurance Combine your building and contents cover to receive up to 10% discount on your premium.^^** ; Buildings Insurance Designed to cover the physical structures that make up your home buildings, including the garage, deck, sheds and more.; Contents Insurance Designed to cover items at your home, from furniture and white goods, to personal belongings like computers

OFFSET ACCOUNT

Offset accounts allow the balance of the account to reduce the home loan amount on which you are charged interest. For example, if you owe $400,000 on your home and you have $25,000 in a linked offset account, you will only be charged interest on $375,000 of your home loan (i.e. $400,000 home loan less $25,000 in the offset account = $375,000

SAVINGS ACCOUNTS

1.40%p.a. Entire balance over $250,000 ᴥ. 1.40%p.a. Interest rates effective as of 28/05/2021 and are subject to change without notice. ∞Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $150 higher than the opening balance on the first day of that month

VISA DEBIT CARD

Your Visa Debit card will provide you with a convenient way to access local currencies overseas. Accessing your accounts overseas. A Visa Debit card can be used for purchases and ATM withdrawals while overseas. Best of all, it only uses money from your own account and because it is a Visa card, you can use it anywhere Visa is accepted

worldwide.

HOW TO NAIL AN ONLINE INTERVIEW Here are our 6 tips to nailing online job interviews, and sealing the deal. 1. Trial run your technology. Whether Zoom, Skype, Webex or Teams is the online interviewing platform of choice, we recommend setting up a practice run with a friend or family member to get familiar with the log in process and screen set up. 5 COMMON INTERVIEW MISTAKES Here are the five biggest mistakes we see that you might not have even realised you were making and how to overcome them: 1. Failing to share the love with the whole interview panel. Far too often we make assumptions about who the key decision maker in the room is. Our natural bias is to seek out the most senior job title. CUSTOMER SATISFACTION The following is a Customer Satisfaction Research Statement, by Newcastle Permanent Building Society Limited ACN 087 651 992 (NPBS) To alleviate any concerns, we have advised our outsource research company Kantar to provide survey customers with a link to this statement, confirming the legitimacy of the survey/interview. HOME LOANS, MORTGAGES & CREDIT CARDS Make an enquiry. Find a local branch. Call 13 19 87. Make an enquiry. Find a local branch. Find a local branch or ATM. You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre

team.

PERSONAL BANKING TOOLS Banking whenever, wherever you are. Online Banking Easy, fast banking on the go. Local branches Find your nearest branch, we’re here to help! Fee free Newcastle Permanent ATM transactions And access to the four major banks ATMs for free. Worldwide access with VISA^ Online, overseas or over the phone. INTERNET BANKING REGISTER The flexibility to bank at any time, anywhere. No matter where you are or what time it is, managing your finances is simple when you register for Internet Banking. With access to a range of great features, you can easily and securely manage your day-to-day finances. Payment Limits Manage your daily limits for BPAY®, third party transfers and

EVERYDAY BANKING

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 DIGITAL BANKING I TOOLS & SERVICES Keep on top of your finances with the convenience of our digital banking options. Use any device to log on to internet banking or download our app to manage your money anywhere, anytime. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, activate your card and

change your PIN

REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310.

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a. ACCESSING YOUR MONEY A Newcastle Permanent Cashcard, available on several of our great account options, can provide you fast, convenient access to your money. Withdraw cash from ATMs throughout Australia. Make purchases and get cash-out at participating retail outlets using EFTPOS. Embedded chip technology to enhance payment information security. HOME LOAN REPAYMENT CALCULATOR Home loan repayment calculator. Our Home loan repayment calculator will help you work out how much you could afford to dedicate to home loan repayments in your budget. Simply enter some details about your home loan amount, term and rate, and calculate your repayments in moments. It's important to note, figures provided by our calculator

are

5 WAYS TO USE A TERM DEPOSIT Choosing the right term deposit does require a little leg-work. You should compare: 1. Interest rates. Look for the highest interest rate available and understand when the interest is paid on your balance. Is it calculated monthly, annually or at maturity – i.e. at the end of

the term? 2.

HOME LOANS, MORTGAGES & CREDIT CARDS Make an enquiry. Find a local branch. Call 13 19 87. Make an enquiry. Find a local branch. Find a local branch or ATM. You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre

team.

PERSONAL BANKING TOOLS Banking whenever, wherever you are. Online Banking Easy, fast banking on the go. Local branches Find your nearest branch, we’re here to help! Fee free Newcastle Permanent ATM transactions And access to the four major banks ATMs for free. Worldwide access with VISA^ Online, overseas or over the phone. INTERNET BANKING REGISTER The flexibility to bank at any time, anywhere. No matter where you are or what time it is, managing your finances is simple when you register for Internet Banking. With access to a range of great features, you can easily and securely manage your day-to-day finances. Payment Limits Manage your daily limits for BPAY®, third party transfers and

EVERYDAY BANKING

**$30 Bonus Offer To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 DIGITAL BANKING I TOOLS & SERVICES Keep on top of your finances with the convenience of our digital banking options. Use any device to log on to internet banking or download our app to manage your money anywhere, anytime. Our secure online banking platforms allow you to do things like check your account balance, pay bills, transfer money, activate your card and

change your PIN

REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310.

TERM DEPOSIT

For customers with a term deposit over $150,000 or total deposit holdings over $750,000 (including one term deposit) Interest rates & fees. Interest paid at maturity. Days. Interest rate. 21 - 45 days. 0.10%p.a. 46 - 75 days. 0.10%p.a. ACCESSING YOUR MONEY A Newcastle Permanent Cashcard, available on several of our great account options, can provide you fast, convenient access to your money. Withdraw cash from ATMs throughout Australia. Make purchases and get cash-out at participating retail outlets using EFTPOS. Embedded chip technology to enhance payment information security. HOME LOAN REPAYMENT CALCULATOR Home loan repayment calculator. Our Home loan repayment calculator will help you work out how much you could afford to dedicate to home loan repayments in your budget. Simply enter some details about your home loan amount, term and rate, and calculate your repayments in moments. It's important to note, figures provided by our calculator

are

5 WAYS TO USE A TERM DEPOSIT Choosing the right term deposit does require a little leg-work. You should compare: 1. Interest rates. Look for the highest interest rate available and understand when the interest is paid on your balance. Is it calculated monthly, annually or at maturity – i.e. at the end of

the term? 2.

COVID-19 VACCINE SCAMS COVID-19 vaccine scams. It’s a sad fact that Australians are no strangers to being scammed. Last year alone, scams relating to Coronavirus cost Australians over $8.4 million, according to Scamwatch. And now, cyber-security experts are warning that we may soon be faced with a new onslaught of targeted, COVID-19 vaccine

scams.

REGISTER FOR INTERNET BANKING There are a variety of ways you can register for Internet Banking. Simply complete our Personal or Business Internet Banking Registration Form, and do one of the following: return it to your nearest branch, fax to 02 4927 4475, email to enquiries@newcastlepermanent.com.au: or. post to PO Box 5001 Hunter Region Mail Centre NSW 2310. ONLINE SAVINGS ACCOUNT Online Savings Account. Entire Balance (including Introductory Bonus Rate Offer#) 0.50. %. P.A. Reach your savings goal. The Online Savings Account has no monthly account keeping or transaction fees. Simply have an Everyday Account, home loan or credit facility with us to be able to open an Online Savings Account.

HOME INSURANCE

Buildings and Contents Insurance Combine your building and contents cover to receive up to 10% discount on your premium.^^** ; Buildings Insurance Designed to cover the physical structures that make up your home buildings, including the garage, deck, sheds and more.; Contents Insurance Designed to cover items at your home, from furniture and white goods, to personal belongings like computers

OFFSET ACCOUNT

Offset accounts allow the balance of the account to reduce the home loan amount on which you are charged interest. For example, if you owe $400,000 on your home and you have $25,000 in a linked offset account, you will only be charged interest on $375,000 of your home loan (i.e. $400,000 home loan less $25,000 in the offset account = $375,000

SAVINGS ACCOUNTS

1.40%p.a. Entire balance over $250,000 ᴥ. 1.40%p.a. Interest rates effective as of 28/05/2021 and are subject to change without notice. ∞Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $150 higher than the opening balance on the first day of that month

VISA DEBIT CARD

Your Visa Debit card will provide you with a convenient way to access local currencies overseas. Accessing your accounts overseas. A Visa Debit card can be used for purchases and ATM withdrawals while overseas. Best of all, it only uses money from your own account and because it is a Visa card, you can use it anywhere Visa is accepted

worldwide.

HOW TO NAIL AN ONLINE INTERVIEW Here are our 6 tips to nailing online job interviews, and sealing the deal. 1. Trial run your technology. Whether Zoom, Skype, Webex or Teams is the online interviewing platform of choice, we recommend setting up a practice run with a friend or family member to get familiar with the log in process and screen set up. 5 COMMON INTERVIEW MISTAKES Here are the five biggest mistakes we see that you might not have even realised you were making and how to overcome them: 1. Failing to share the love with the whole interview panel. Far too often we make assumptions about who the key decision maker in the room is. Our natural bias is to seek out the most senior job title. CUSTOMER SATISFACTION The following is a Customer Satisfaction Research Statement, by Newcastle Permanent Building Society Limited ACN 087 651 992 (NPBS) To alleviate any concerns, we have advised our outsource research company Kantar to provide survey customers with a link to this statement, confirming the legitimacy of the survey/interview.

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WINNING HOME LOAN LENDER MAKING IT POSSIBLE TO STEP ONTO THE PROPERTY LADDER. NOT BAD.

Read more

2021 RateCity Gold Awards LOCK IN A LOW HOME LOAN RATE

1.98

%

P.A.

3 Year Premium Plus Package Fixed Rate - Special#

3.56

%

P.A.

Comparison rate *

Enquire now

Owner occupied with principal and interest repayments, LVR ≤ 80%. Reverts to Premium Plus Package Tier 4

variable

interest rate at end of Fixed Rate period. CHARITABLE FOUNDATION REACHES PROJECT MILESTONE

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$30 WHEN YOU JOIN US.

NOT BAD.

OPEN A TRANSACTION ACCOUNT AND COMPLETE 2 TRANSACTIONS BY 30 JUNE TO

RECEIVE YOUR $30.

NEW CUSTOMERS ONLY.**

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**Important T&C’s apply. WINNING HOME LOAN LENDER MAKING IT POSSIBLE TO STEP ONTO THE PROPERTY LADDER. NOT BAD.

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2021 RateCity Gold Awards LOCK IN A LOW HOME LOAN RATE

1.98

%

P.A.

3 Year Premium Plus Package Fixed Rate - Special#

3.56

%

P.A.

Comparison rate *

Enquire now

Owner occupied with principal and interest repayments, LVR ≤ 80%. Reverts to Premium Plus Package Tier 4

variable

interest rate at end of Fixed Rate period. CHARITABLE FOUNDATION REACHES PROJECT MILESTONE

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$30 WHEN YOU JOIN US.

NOT BAD.

OPEN A TRANSACTION ACCOUNT AND COMPLETE 2 TRANSACTIONS BY 30 JUNE TO

RECEIVE YOUR $30.

NEW CUSTOMERS ONLY.**

Find out more

**Important T&C’s apply. WINNING HOME LOAN LENDER MAKING IT POSSIBLE TO STEP ONTO THE PROPERTY LADDER. NOT BAD.

Read more

2021 RateCity Gold Awards

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$2,000 CASHBACK FOR SWITCHING YOUR HOME LOAN^ * $2,000 cashback for new refinanced loans^ * Minimum loan $250,000 & LVR ≤80% * For owner occupied and investment home loans * Paid into your Everyday Account CASHBACK TERMS AND CONDITIONS

.

BANKING TO SUIT YOUR NEEDS * COVID-19 support Access our range of personalised

support services.

* Let’s chat Talk to our friendly Hunter-based team online or over the phone. * Digital banking Bank from home with our app or

internet banking.

* Have a question? Visit our FAQs for the answers or to find additional information. > "Based on interest rates, products and flexibility, Newcastle > Permanent was way ahead of the other banks for us." -Molly and

> Michael.

>

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GRANT RECIPIENTS AND MILESTONE CELEBRATED Charitable Foundation reaches 500 projects at Grant Ceremony.

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* 27 May 2021

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Week.

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* 25 May 2021

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FIND A LOCAL BRANCH OR ATM You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app

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call our local call centre team. With many customers now choosing contactless ways of banking, you will find these branches open on a Saturday morning: Waratah, Wallsend, Greenhills, Charlestown Square, Raymond Terrace, Glendale, Kotara, Mount Hutton, Swansea, Erina, and Tuggerah.

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**$30 BONUS OFFER To be eligible for the offer, open a new Everyday Account, Basic Access Account or Special Monthly Interest Account and make two transactions (fee and interest transactions are excluded) on the account between 07/05/2021 and 30/06/2021. All account holders must be a new customer to Newcastle Permanent, which means you did not hold any accounts products or services as at 23:59 AEST 06/05/2021. If eligible, the $30 bonus will be paid into your new account by 31 July 2021. Offer is limited to one payment per account and to your first eligible account only. Newcastle Permanent may change or withdraw this Bonus Offer at any time. Interest rates effective as of 05/06/2021 and are subject to change without prior notice. You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply. *THE COMPARISON RATE is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. Comparison rates for variable rate loans with interest only repayments are calculated based on an initial 5 year period for interest only repayments. Comparison rates for fixed rate loans with interest only repayments are calculated based on an initial period for interest only repayments equal in length to the fixed period. You should consider whether the loan is suitable for you. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. #PREMIUM PLUS PACKAGE FIXED RATE Reverts to Premium Plus Package Tier

4

variable

interest rate at the end of the Fixed Rate period. Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are

payable.

References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property. ~More than $11bn in total assets, 2020 Annual Report. ^CASHBACK Offer available for loans refinanced from another financial institution. Applications must be SUBMITTED BY *30/06/21 AND FUNDED BY 31/08/21. $2,000 Cashback will be deposited after settlement to an eligible NPBS Everyday Account. Only one (1) Cashback Payment per eligible loan. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Terms and

conditions

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� Newcastle Permanent Building Society

Limited 2015-2021

ACN 087 651 992 Australian Financial Services Licence / Australian Credit Licence 238273 GENERAL ADVICE WARNING: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and

Conditions

or Product Disclosure Statement.