USD 3,000,000,000 Commercial Paper Program

US CP Program
Program Summary	A program facilitating the issuance of US Commercial Paper Notes
Issuer	St.George Bank Limited
Size	USD 3,000,000,000
Form of Instruments	US Commercial Paper (the "Notes").
Currencies	U.S. Dollars.
Exemption	The Notes have not been registered under the Securities Act of 1933 pursuant to the exemption provided by Section 4(2) thereunder, and may not be resold unless registered or an exemption from registration is available.
Issue Price	Par less a discount representing an interest factor or, if interest bearing, at par
Maturities	Up to 397 days from the date of issue.
Governing Law	The Laws of the State of New York
Clearing Systems	The Depository Trust Company
Ratings	Issuer's Ratings
Dealers	Goldman Sachs & Co. JP Morgan Securities Inc. Merrill Lynch Money Markets Inc (up to 270 days from date of issue) Merrill Lynch, Pierce, Fenner & Smith Incorporated (beyond 270 days)

This page contains general information about the funding strategy of St.George Bank Limited ("St.George"), public information about St.George's debt securities, programmes and completed debt issuance of St.George. Nothing in this page constitutes, or is intended to constitute, an offer for subscription, an invitation to subscribe for or an offer to sell or acquire any securities of St.George or a recommendation, advice, or solicitation whether directly or indirectly, to do any or all those things.