Dear [First Name], My Life is SCU's Home and Personal Finance package that can change the way you finance your home, car, renovation or holiday. And our great home loan rate is just the beginning... 4.22% pa1 Variable Rate | 4.25% pa2 Comparison rate AND discounts on a host of financial products and services No Application fee3 Unlimited free online redraws SCU's award winning Low Rate Visa Credit Card - No annual fee 100% balance offset4 Low annual package fee5 For new owner-occupied residential loans only. 1SCU's Standard variable rate has been lower than the Big 4 banks since November 2010. The 4.22% rate applies to the My Life Variable Rate Home loan Package minimum $250,000 - maximum $500,000 on a term up to 30 years. The My Life Variable Rate Home Loan Package is also available for loan amounts below $250,000 and above $500,000 and different Interest rates, terms & conditions apply. 2The comparison rate is based on a $150,000 loan over a term of 25 years. WARNING This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 3The $0 application fee does not include 3rd party costs such as Mortgage setup & valuation. 4100% balance offset on variable rates only. 5My Life Annual Package Fee $350. For new owner-occupied residential loans only. Not available for refinance of existing SCU loans. All applications are subject to SCU normal lending criteria. Terms, conditions, fees and charges apply. Full details available on application. All information is correct as at 01/03/16 and subject to change. Sydney Credit Union Ltd | ABN 93 087 650 726 | AFSL / Australian Credit Licence Number 236476.