The 12 month discount offer is subject to Terms and Conditions and must be accepted during the offer period which commences on the date the loan is advanced and expires on the earlier of 5 years or termination of the loan. If the loan terminates during the 12 month discount period the discount rate will apply until the date of termination. The discount rate may change and the promotion may be withdrawn, at any time. However, the discount rate offered with and detailed in a loan offer will not change during the offer period. For the loan, lending criteria and Terms and Conditions apply. All rates stated (including the discount rate) are subject to change without notice. Fees and charges are payable. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate based on a loan of $150,000 for a term of 25 years. The Simple Visa credit card is only available with the Simple Home Loan. During any period a Simple Home Loan is not held, the interest rates applicable to the Simple Visa credit card will be the P&N Bank Visa Classic interest rates. Only one Simple Visa credit card is allowed per member. For the & Access Account, advice given does not take account of your objectives, financial situation or needs so please consider whether the account is right for you and in doing so consider the Product Disclosure Statement.