Cash Management

Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 ("CommSec") is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 ("Bank") and a Participant of the ASX Group and the Sydney Futures Exchange.

CommSec Cash Account, CommSec Investment Account, CommSec Debit MasterCard and Commonwealth Direct Investment Account (CDIA) are products of the Bank, administered by CommSec. CommSec Debit MasterCard is issued by the Bank pursuant to licence by MasterCard International. Terms and conditions are available from www.commsec.info/bettertogether If you have a complaint, the Bank's dispute resolution process can be accessed on 13 22 21. This information has been prepared without taking into account the objectives, financial and taxation situation of any particular individual. For this reason any individual should, before acting on the information, consider the appropriateness of it having regard to their own objectives, needs, financial and taxation situation and if necessary, seek appropriate independent financial and taxation advice.

^Interest rate is current as at 12/12/2011. Rate applies to the whole balance of the CommSec Investment Account and is calculated daily and paid on the last business day of each month. Interest applies to new and existing accounts. The rate is variable and is subject to change without notice.

** To be eligible for Internet Preferred trading, you must be CHESS sponsored by CommSec and settle your trades through a CommSec Cash Account, CDIA or a CommSec or Colonial Margin Loan. Trades to $10,000 attract $19.95 brokerage.

† Award won in Money magazine's 2009 Best of the Best Awards.

^^MasterCard's Zero Liability Policy does not apply to commercial cards or PIN based transactions. Other restrictions apply. For full details, please visit mastercard.com.au.

BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518.

MasterCard is a registered trademark of MasterCard International Incorporated.