Bank Accounts from St.George for July

St.George is one of Australia's leading banks and their transactional and savings accounts offer excellent value for their customers which match their excellent customer service. They also offer a great range of credit cards.

Rate	Fees	Minimum Balance	Info
St.George Term Deposit
Up to 6.20%	Yes	$5,000	Get what you expect. Term Deposit up to 6.20%p.a.* CALL TODAY 1300 781 289
St.George Power Saver
4.3%	No monthly accounting fee	None	St.George Power Saver account - No monthly account service fees, immediate access to your money, available for DIY super investment, eligible for Government Guarantee#.
St.George Direct Saver
3.2% *	No monthly accounting fee	None	And remember, it is what’s behind our rate that really makes the difference – our people. We’re here to help you over the phone when you need us. Not what you would expect from an online bank! And that’s the difference with Direct Saver – a great online rate backed by the service you’d expect from St.George.
St.George Complete Freedom
N/A %	$5 a month (or free if customer deposits at least $2,000 per calendar month - eg their salary)	$1	A full-service account offering unlimited^ branch, cheque and electronic transactions, plus the benefits of a Visa Debit Card for 24/7† access to your money anywhere in the world for a low, flat monthly account service fee (or free if customer deposits at least $2,000 per calendar month - eg their salary)
St.George Express Freedom
N/A %	$3 a month	$1	Unlimited fee-free everyday banking*. Enjoy fee-free Internet and Phone Banking. Added convenience & flexibility of a VISA Debit card**. No minimum monthly balance required.
St.George Bank Visa Debit Card
N/A %	Unlimited fee-free everyday banking*		Use Visa debit for Internet, phone and mail order purchases accessing your own money. Saves you from carrying cash and travellers cheques in Australia and overseas. Online guarantee with St.George secure. Verified by Visa provides an online guarantee so you can shop with confidence.

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• 5 Mortgage Tips
  Mortgages or buying a house can often be the most expensive financial undertaking for an individual over their lifetime. It is therefore critical that they are aware of common pitfalls and unforeseen costs when buying a house and obtaining a loan to finance the purchase. Here are six common borrowing traps that can be avoided.
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* Variable Promotional rate current as at 14 April 2009. If you open a Direct Saver or DIY Super Direct Saver account between 14 April and 30 June 2009, and you have not held a Direct Saver or DIY Super Direct Saver before, you will receive a fixed bonus of 1.30%p.a. on top of St.George’s standard variable Direct Saver/DIY Super Direct Saver rates for the first 4 months after your account is opened (Promotional Rate Period). St.George’s standard variable Direct Saver/DIY Super Direct Saver rates may be changed at any time, including during the Promotional Rate Period, but the fixed bonus rate will not change during the Promotional Rate Period. After the end of the Promotional Rate Period, the fixed bonus rate will end, and the interest rate that applies to your account will be St.George’s standard variable Direct Saver/DIY Super Direct Saver interest rate (currently 3.20%). St.George has been awarded the Gold Medal in the ‘Best Contact Centre more than 250 seats’ Contact Centre Management Association (CCMA) and ‘International Service Excellence’ Award by a Contact Centre for 2008, awarded by the Customer Service Institute of Australia (CSIA). #Electronic access is subject to systems availability. This information does not take into account your circumstances. Read the terms and conditions, available by phoning 1300 30 10 20, and consider if it is right for you. St.George Bank Limited ABN 92 055 513 070 AFS Licence No. 240997

* Transaction fees apply for using non St.George ATMs. Other transaction fees and charges for special services apply. Daily transaction limits apply.
** VISA Debit is available only to Australian residents over 18 years of age and is only available on the Complete Freedom Account and Express Freedom Account.

Disclaimer:
Customers residing in NSW or ACT, the monthly account service fee will be waived for 6 months after you open a Complete Freedom, Simply Freedom or Express Freedom account between 1 July 2008 and 30 September 2008 and deposit $500 each month. For customers residing in QLD, VIC or TAS, the monthly account service fee will be waived for 6 months after you open a Complete Freedom, Simply Freedom or Express Freedom account between 2 January 2008 and 30 September 2008 and have salary credited regularly to the account for the first 6 months. For customers residing in WA, the monthly account service fee will be waived for 6 months after you open a Complete Freedom, Simply Freedom or Express Freedom account between 19 August 2007 and 31 August 2008 and have salary credited regularly to the account for the first 6 months. The 6-month period begins on the date of account opening. Transaction fees apply for using non-St.George/BankSA ATMs on all accounts. Other transaction fees, charges and daily transaction limits apply. Offer is available to new Freedom account customers and is limited to one account per customer. This information has been prepared without taking into account your circumstances. Read the Terms and Conditions available at any branch or www.stgeorge.com.au and ensure that the product is appropriate for you. Products issued by St.George Bank Limited ABN 92 055 513 070 AFS Licence No. 240997.

*Rate is current as at 9th April 2009 and is subject to change. Information does not take into account personal circumstances. Please obtain and read PDS available on request phoning 1300 662 745. Terms and Conditions apply. Term Deposit issued by St.George Bank Ltd. ABN 92055413070 AFS Licence 240997