Investments

Adelaide Bank, St. George and Wide Bay Australia term deposits available

fix interest for three, six or twelve months ^

no minimum amounts

security knowing fixed rates provides protection in volatile times

available now on Navigator

be ready when the markets pick up - Fast Track available

certainty and peace of mind of a three, six or twelve month return


Who does it suit?

Suits investors who want:

• a fixed investment option in times of market volatility
• to invest cash for the short to medium term
• a competitive return on their money and a low risk investment
• an alternative short term investment for the cash portion of their portfolio.

To find out more, contact your financial adviser.

Special offer for 12 month term deposits:

 save fees

A 0.40% p.a. rebate on Navigator administration fees for all new 12 month term deposits before 31 December 2008*

^ Monies are invested into term deposits on a weekly basis, at the current indicative rate published on avivagroup.com.au. Investors should be aware that this rate may change as a result of changes in money market rates prior to each weekly investment. Any changes to indicative rates will be updated on avivagroup.com.au

* Subject to terms and conditions.

12 MONTH TERM DEPOSIT ONGOING ADMINISTRATION FEE REBATE OFFER – TERMS AND CONDITIONS

Investors who make deposits into the 12 Month Term Deposit investment product (the “Term Deposit”) during the period 9 June 2008 to 31 December 2008 (“the Offer Period”) will be entitled to receive a rebate on the current ongoing administration fee subject to the following terms and conditions:

• The rebate is only applicable to new deposits made into the Term Deposit during the Offer Period. The rebate only applies to the initial term deposit amount and excludes interest. Existing deposits in the Term Deposit are not eligible. Any early withdrawals from monies previously invested into a Term Deposit prior to this offer that are reinvested or switched into the Term Deposit during the Offer Period are excluded. Any decision of the Operator/Administrator* as to the eligibility or otherwise of a deposit to qualify for payment of the rebate is final.

• The rebate payable equates to 0.4 per cent per annum (inc net GST) on each deposit made into the Term Deposit during the Offer Period, up to a maximum of $2,000 (inc net GST) per deposit.

• Payment of the rebate is subject to the deposit remaining in the Term Deposit until expiration of the 12 month maturity date (“the Maturity Event”). No pro rata payment of any rebate will be paid on any withdrawals of a deposit in full or in part prior to expiration of the Maturity Event.

• Any rebate payment owing on a deposit will be paid into the investor’s cash account within one month following the Maturity Event.

• The Operator/Administrator may, at any time during the Offer Period, on two weeks notice (via avivagroup.com.au or other means as determined by the Operator/Administrator) withdraw this rebate offer. Withdrawal of this rebate offer shall not impact on the eligibility of deposits made during the Offer Period prior to the withdrawal date.

Operator/Administrator: Navigator Australia Limited ABN 45 006 302 987 AFSL 236466 (“Navigator”)

This offer is issued by Navigator and NULIS Nominees Australia (Nominees) Limited ABN 80 008 515 633 AFSL 236465. It is not intended to represent general or specific investment advice. Please speak to your financial adviser before making any decision. Prior to investing you must obtain a copy of the Product Disclosure Statement for the Term Deposit available from your financial adviser or avivagroup.com.au.