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*IMB lending criteria, terms and conditions, fees and charges apply. Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 18/10/24 until Offer is withdrawn. Purchase loans must settle within 180 days of application and refinanced loans must settle within 90 days of application. Borrowers are eligible for one Cashback Payment in a 12-month period. Cashback Payment for loans valued between $250,000 and $499,999 is $2,000, Cashback Payment for loans valued between $500,000 and $749,999 is $3,000, and Cashback Payment for loans valued $750,000 and over is $4,000. One Cashback Payment will be paid per eligible application, into the primary borrower’s IMB Transaction Account within 60 days of settlement. Excludes: refinance of IMB loans, commercial, construction and bridging loans. For full terms and conditions see www.imb.com.au/cashback. This Offer may be varied or withdrawn at any time.

**Promotion is open to IMB members who hold an IMB Everyday 50PLUS Account and reside in NSW, ACT, Victoria or Queensland. Promotion opens 17/02/2025 9:00am and concludes 31/03/2025 23:59pm AEDST or upon 800 redemptions (whichever is earlier). A transaction of $250 or more made at Bunnings Group Ltd using an IMB issued Visa Debit Card (physical or digital) linked to an Everyday 50PLUS Account is one (1) Qualifying Transaction. The member will be eligible to receive a $50 cashback paid into the Everyday 50PLUS Account used to make the Qualifying Transaction within 60 days and receive an entry into the ‘IMB Visa Cashback and Prize Draw Campaign’ major prize draw where their Qualifying Transaction is completed within the first 800 Qualifying Transactions during the Promotion Period. Entrants are eligible to receive one (1)$50 cashback each 14-day period throughout the Promotion Period (maximum of $150 cashback). The major prize is a holiday package to Hamilton Island valued at $15,000(AUD) and the winner will be selected at random. The major prize draw will take place on the 24/04/2025 at IMB Head Office, Level 1, 47 Burelli St, Wollongong NSW 2500. The Everyday 50PLUS Account used to make the Qualifying Transaction must be active at the time of payment in order to receive the cashback and/or the major prize.IMB’s ‘General Conditions of Entry into Promotions and Competitions held by IMB’ apply to this competition and are available upon request from any IMB Branch. IMB reserves the right to change or withdraw these offers at any time. Permit numbers; NSW Authority TP-04139, ACT Permit No. ACT TP 25/00290.1. Full T&Cs available at www.imb.com.au/important-information. Eligibility criteria applies.

^$200 cashback will be issued for each new Home or Landlord (including building or contents cover) Insurance Policy and $100 cashback will be issued for each new Comprehensive Motor Insurance Policy taken out through IMB Bank by 25/5/2025. Policy holders must have an eligible IMB transaction account to be eligible, and the cashback payment will be paid to this account. Where a policy has (2) or more policy holders and they do not hold an eligible IMB transaction account jointly, IMB may pay the cashback payment into an eligible IMB transaction account in the name of the first policy holder. IMB trading as IMB Bank ABN 92 087 651 974, AFSL/Australian Credit Licence No. 237 391 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from IMB Bank. Target Market Determinations available at imb.com.au/TMD. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1. The interest rate shown is payable on balances up to $1M only. The Introductory Fixed Bonus Interest Rate is payable for the first 4 interest payments for new accounts opened from 1 September 2023, for new or existing Members who have not held a Reward Saver account before. For joint accounts, all members must be eligible to receive the Introductory Fixed Bonus Interest. To earn both the Introductory Fixed Bonus Interest Rate and Standard Variable Bonus Rate the account holder must make a minimum $50 deposit and no withdrawals per month (Bonus Interest Criteria). If the Bonus Interest Criteria is not met for the calendar month, both the Standard Variable Bonus Rate and Introductory Fixed Bonus Interest Rate are forfeited.

2. Rates and terms negotiable for amounts of $100,000 and over held in a Negotiable Interest Term Account. 6 month term is treated as 183 days for the purposes of term length and interest calculations.