Roberts Limited, a wholly owned subsidiary of Ruralco Holdings Limited, offers at call and term unsecured deposit notes at competitive rates.*

Interest is calculated on a daily basis and credited to your account on a quarterly basis.

You can either re-invest your interest on call or have your funds electronically transferred to your bank account.

The benefits of depositing with Roberts Limited are:

• competitive rates
• wool, livestock and or grain proceeds can be transferred automatically to your on call account
• we will transfer funds on your request either by electronic transfer or by cheque, and
• there are no charges other than government duties.

Interest rates effective from 1st November 2011.

At Call*	4.75% p.a.
Fixed Term*	$2,000-$24,999	$25,000-$499,999	$500,000
3 months	5.35% p.a.	5.90% p.a.	5.90% p.a.
4 months	5.65% p.a.	6.00% p.a.	6.00% p.a.
6 months	6.30% p.a.	6.40% p.a.	6.55% p.a.
8 months	6.35% pa.a	6.55% p.a.	6.80% p.a.
12 months	6.65% p.a.	6.75% p.a.	6.95% p.a.
24 months	6.55% p.a.	6.95% p.a.	6.95% p.a.
36 months	6.40% p.a.	6.90% p.a.	6.90% p.a.

An unsecured deposit note of Roberts Limited is not a bank deposit. All investments involve risk and investors risk losing some or all of their principal investment. Roberts Limited's unsecured deposit notes do not have a credit rating by a recognised credit agency. This means no independent assessment has been made about the risk of loss to investors.

* The minimum initial subscription is $500.00 for At Call deposits or $2,000.00 for Fixed Term deposits.

Roberts Limited issues unsecured deposit notes under Prospectus No.11 dated 22 March 2011 which expires on 22 April 2012.

All applications should be made pursuant to Prospectus No. 11, using the Application Form

* Unsecured notes are issued by Roberts Limited, a wholly-owned subsidiary of Ruralco Holdings
  Limited.