*Interest rates are quoted on an annual basis and compounded monthly. Rates are subject to legislative and industry limits, with a maximum of 20% per annum, except where product-specific terms (such as Insured Capital) apply at a lower rate.

**Depending on the product type, solutions may include trade credit insurance protection, amortising repayment profiles, or repayments that follow an “as and when collected” basis, meaning that repayments occur progressively as the Community Scheme recovers amounts from unit owners and as legal recoveries are realised, rather than according to a fixed schedule.