1ATM transactions at non-Rural Bank, non-Bendigo Bank or non-Suncorp ATMs may incur a fee.2BPAY ® registered to BPAY Pty Limited ABN 69 079 137 518.3Bank@Post ™ and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation ABN 28 864 970 579. All rights reserved. 4The Financial Claims Scheme protects depositors through the provision of a guarantee on deposits (up to a cap) held in Authorised Deposit-taking Institutions (ADIs) in Australia and allows quick access to their deposits if an ADI becomes insolvent.As such please note the following information:• You may be entitled to a payment under the Financial Claims Scheme in

the event of us becoming insolvent;• Accessibility to the Financial Claims Scheme is subject to eligibility

criteria; and• Information about the Financial Claims Scheme can be found at the

APRA website at http://www.apra.gov.au and the APRA Hotline on 1300 558 849.

This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs. All applications for loans or credit are subject to lending criteria. Terms, conditions, fees, charges may apply. Full details are available on application, by phoning our Customer Service Centre on 1300 660 115 or online at www.ruralbank.com.au. All information is subject to change. Products are issued by Rural Bank - A Division of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.Products are distributed by Bendigo and Adelaide Bank Limited and Elders Rural Services Australia Limited ABN 72 004 045 121 AFSL 237757.

BEN50RBMB011 (1276393-1304264) (05/19)

Savings and Investments

For now and the future.

Rural Bank PO Box 3660 Rundle Mall SA 5000

Telephone: 1300 660 115 service@ruralbank.com.au www.ruralbank.com.au

What’s good to know about Rural Bank?

We are proudly part of the Bendigo and Adelaide Bank Group, who have set the standard for banking that gives financial power back to our communities.

We bring you seasoned rural expertise combined with the stability and resources of a successful, well-managed financial institution.

All deposits you make with Rural Bank are covered by the Australian Government Financial Claims Scheme4.

The money you deposit with us we re-invest back into rural Australia.

Find out more online at www.ruralbank.com.au

Rural Bank was founded to support rural Australians and we’re proud to be 100% Australian operated.

We’re here for our farmers, their families and everyone who makes our rural communities grow and thrive.

Our focus is to provide products and expertise to help you take control of your money, stay on top of challenges and grab opportunities.

We re-invest the money you deposit with us back into rural Australia to help farm businesses grow, now and into the future.

Rural Bank: focused on Australian farmers.

“I put most of my money back into the

farm – but it’s good to know I can put some away for me and the

family, too.”

Whether you’re building up a retirement nest egg, or saving up for something you want now, we can help.

Here are some great ways to earn competitive interest on your savings – with options to have them on call, lock them away, and access them online.

Everyday Account.

Easy, personal day-to-day banking that pays interest on your credit balance.

Any-time access

You can do all your personal banking, no matter where you are – through ATMs1, EFTPOS, BPAY® 2, cheque book, online, through Bank@Post™ 3, Rural Bank Visa Debit card, and over the phone.

Earn interest

You’ll earn interest at our latest variable rate. It’s calculated daily and paid monthly.

Who’s eligible?

Any personal customers who want easy, good value personal banking.

Everyday Retirement Account.

Easy personal banking for anyone aged 55 and over – plus the ability to earn more interest than with a traditional transactional account.

Easy access

You can do all your personal banking, no matter where you are – through ATMs, EFTPOS, BPAY®, cheque book, Rural Bank Visa Debit card, online, through Bank@Post™, and over the phone.

Earn competitive interest

You’ll earn a better rate of interest than you would with a traditional transactional account. Interest rates are stepped, which means different interest rates apply to different portions of your balance. Interest is calculated daily and paid monthly.

Who’s eligible?

Personal banking customers aged 55 and over, and Pensioner Concession Card holders.

Gold Cash Management Account.

Earn competitive interest on funds, with all the easy access and benefits of a day-to-day transactional account.

Any-time access

You’ll have access to your money wherever you are through ATMs, EFTPOS, Bank@Post™, BPAY®, cheque book, Rural Bank Visa Debit card, Internet and Phone Banking.

Free services

Maintain a minimum balance of $5,000 and you won’t pay any monthly accountkeeping fees.

Earn competitive interest

Interest rates are tiered, so the higher your credit balance, the higher the rate of interest you’ll earn. Interest is calculated daily and paid monthly.

Who’s eligible?

Personal or business customers who want an on-call transactional account with savings benefits.

Term Deposit Account.

If you need a guaranteed income from your savings, or you want to earn more, a Rural Bank Term Deposit is ideal.

With a competitive fixed interest rate, you’ll see your money grow and your financial goals get closer.

You can choose from terms of between 1 month and 5 years.

You don’t have to put away a lot – the minimum opening and on-going balance is $500.

Interest is calculated daily and fixed for your chosen term. For Term Deposits of up to 12 months, interest is paid at maturity. For Term Deposits of 12 months or more, you can choose interest to be paid monthly, quarterly, 6 monthly or annually.

Rural Bank ONE: Savings and Investments online.

If you find it easier to manage your savings and investments online, go to Rural Bank ONE.

You’ll find tools to help you plan your savings and investment goals, and a range of products that offer competitive interest rates:

Rural Bank ONE Saver

Earn a high rate of return while enjoying the convenience and flexibility of having your funds available at call.

Rural Bank ONE Term Deposit

Our online term deposit offers competitive rates, providing you with more options to make your funds work harder for you. Terms fixed for 3, 6 or 12 months.

Rural Bank ONE Farm Management Deposit

If you’re a primary producer, this is a great way to manage the challenge of an uneven income stream. Set aside and earn interest on pre-tax income from profitable years and use it when needed most.

It’s simple to apply online

Our online application only takes minutes. Go to www.ruralbankone.com.au

Ask about our Savings and Investments solutions – for now and for the future.

For more information:

Visit ruralbank.com.au

CallCall our Customer Service team on 1300 660 115

Drop inFind your nearest Rural Bank specialist at ruralbank.com.au/locate-us