INTEREST RATES

**DEPOSIT RATES** At Call Up to $49,999.99 3.00% p.a.  $50,000.00 & Over 3.50% p.a. Fixed Term 3 Months 6.00% p.a. 6 Months 6.00% p.a. 12 Months 7.05% p.a. 24 Months 6.75% p.a. Super Fund Account **At Call 6.00% p.a. 6 Months 6.00% p.a. 12 Months 7.05% p.a. 24 Months 6.75% p.a. Complying superannuation funds will be required to provide its ABN and Tax File Number **Variable rate tied to 6 months Fixed Term Investment interest rate. rates quoted are per annum Rates as from  01 April 2010  (subject to change)

Southern offers investments in debentures and it is not a bank. Southern debentures do not have a credit rating and therefore no external assessment has been made about the risk to investors losing any of their principal investment. The risk of investment in Southern is set out in our current prospectus and should be read and understood before investing.

VEHICLE, PLANT & EQUIPMENT FINANCE

MORTGAGE LOANS with no ongoing fees

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