04 August 2016 Media Release RAMS today announced a reduction in its variable home loan rates by 0.10% for both owner occupiers and investors. The effective date is 23 August 2016. Interest rates on our Line of Credit products will remain unchanged. This will bring the RAMS Standard Variable Rate for owner occupiers to 5.20% per annum and the RAMS Standard Variable Investment Rate to 5.45% per annum. The 0.10% p.a. reduction means customers will see their repayments reduce by $21 a month on a $350,000 RAMS Full Feature owner occupied variable rate loan with a 30 year loan term. RAMS continues to maintain a standard variable rate for owner occupiers and investors below the other major banks. RAMS will also be reducing fixed rates across 2, 3 and 5 year fixed rate periods. RAMS owner occupier fixed rates will be 3.89% for 2 years, 3.99% for 3 years and 4.19% for 5 years from next Tuesday 9 August 2016 for new customers, and existing customers who would like to fix part, or all, of their current home loan. Interest rates on the RAMS Saver to date have remained unchanged – interest rates have remained the same despite the RBA reducing the cash rate by 0.25% in both May and August 2016. For more information, or assistance and advice in relation to existing or new loans, customers can visit their local RAMS Home Loan Centre, www.rams.com.au or call 13 RAMS that’s 13 7267. – ends – For RAMS media enquiries and interviews, please see our Contacts page.