1. 1 NetBank Saver Hugh Harley Group Executive 6 June 2005

2. 2 The material that follows is a presentation of general background information about the Bank’s activities current at the date of the presentation, 6 June 2005. It is information given in summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. These should be considered, with or without professional advice when deciding if an investment is appropriate. Disclaimer

3. 3 NetBank Saver product details Product launch date: 5 June 2005 NetBank Saver product features High interest rate No fixed term (at-call deposit account) Interest calculated daily Instant transfers from / to linked Streamline (transaction) account 24 hour, 7 day access No bank fees Interest calculated on full balance when $5,000 or more is maintained in the account NetBank Saver does not allow cash, card/EFTPOS, cheque or bill pay deposits or withdrawals, nor third party payments directly from the account. However, customers can instantly transfer funds to their linked Streamline account for full access. Available for any individual 16 years or older with a Commonwealth Bank Streamline Account and access to our internet banking account service, NetBank.