In addition to the 2009 graduate competition, Investec Experien is proud to offer a range of exclusive promotions for new medical, dental and veterinary graduates.

Reward yourself with a car
Purchasing a new or used motor vehicle is easy with Investec Experien's lease and loan options - all with flexible terms for up to five years.

Our specialised finance consultants can help you select the finance structure that best suits your needs with deferred repayments for up to 3 months.²

Spend and save with the POD+³
This single account combines a savings and overdraft facility with online capability that's easy to use, with no ongoing bank fees and which offers highly competitive interest rates.

As a 2009 medical graduate, you may qualify for a $15,000 overdraft⁴, plus draw down by 31 March 2010 and receive a gift of your choice.⁵

Plus, get the best out of your savings with the Government guaranteed, flexible deposit solution.

Double up and save
In addition to these exclusive product offerings, you can save $345⁶ when you open both a POD+ account and settle a motor vehicle finance contract with Investec Experien before 31 March 2010.

Protect your greatest asset - yourself⁷
Image if you stopped getting paid tomorrow? How long would you be able to cope financially?

Visit the Experien Insurance Services website for information on income protection offers for graduates.

Terms and Conditions:
1. Competition commences on 1 October 2009 (in Victoria start date is 3 December 2009) and closes 11:59pm AEST on 31 March 2010. The winners will be drawn at 5:00pm AEST on 1 April 2010 at the promoters office - Investec Experien, Level 31, The Chifley Tower, 2 Chifley Square, Sydney NSW 2000. Winners will be notified by mail and email and also advertised in The Australian on 12 April 2010. Permits - NSW LTPS/09/08724, SA T09/2198, VIC 09/3664.

To be eligible for any of these products, you must provide proof of employment. All finance is subject to our credit assessment criteria. Terms and conditions, fees and charges apply. We reserve the right to cease offering these products at any time without notice.
2. Deferred motor vehicle repayments valid until 31 March 2010.
3^. Deposit products are issued by Investec Bank. Before making any decision to invest in these products, please contact Investec Experien, for a copy of the Product Disclosure Statement and consider whether these products suit your personal financial and investment objectives and circumstances. Deposits made with Investec Bank are guaranteed by the Australian Government as part of the Financial Claims Scheme for amounts up to AUD$1 million per client. The terms of the government guarantee may change in the future and Investec reserves the right to amend these terms accordingly.
4. Pre approval subject to standard credit assessment criteria.
5. Gifts to choose from include 8GB iPod Nano valued at $199 RRP, Nikon digital camera valued at $279 RRP, or a $200 RRP Sunglass Hut voucher.
6. Only pay one documentation fee of $345 when you simultaneously open a POD+ account and settle a motor vehicle finance contract. Both contacts must settle by 31 March 2010.
7. Income Protection/Life Insurance is distributed by Experien Insurance Services Pty Ltd (Experien Insurance Services) which is an authorised representative of Financial Wisdom Limited AFSL 231138 (AR No.320626). Experien Insurance Services is part owned by Investec Experien Pty Ltd. The level of cover sought will determine which insurer will cover the risk. These insurers are all featured on our approved product list available at www.experieninsure.com.au. The information provided here is of a general nature and does not take into account your personal circumstances and objectives. Before making a decision about this product, please call us on 1300 131 141 for a copy of the Product Disclosure statement.