Features. This document is part of the Terms and Conditions for Personal Bank Accounts Barolin St, PO Box 1063 Bundaberg Queensland 4670

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Clifford Bates
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1 S This document is prt of the Terms nd Conditions for Personl Bnk Accounts Issued by Auswide Bnk Ltd ABN /Austrlin Finncil Services & Austrlin Credit Licence Effective from June P F E uswide@uswidebnk.com.u W uswidebnk.com.u Visit your nerest brnch see our website for detils Brolin St, PO Bo 1063 Bundberg Queenslnd 4670 ABMK42/0618

2 Terms nd Conditions Our Terms nd Conditions contin importnt informtion on Auswide Bnk Ltd s ccounts nd bnking services for customers choosing personl bnk ccounts. They consist of these documents: Personl Bnk Accounts (this one) + Personl Bnk Accounts Fees nd Chrges + Guide to Bnking Services + Privcy Policy You should red these documents together before mking decision to open n ccount with us, cquire ny bnking services or mke ny trnsctions. This informtion hs been designed to effectively help you: decide if our ccounts nd bnking services meet your needs compre ll the fetures, terms, conditions, fees nd chrges of our ccounts nd bnking services with those of others In issuing these Terms nd Conditions Auswide Bnk ( we / our / us ) hsn t considered your prticulr personl objectives, finncil sitution or needs, so it s possible tht fcility my not suit you specificlly. Updting these Terms nd Conditions The informtion in these Terms nd Conditions is current s t the effective dte nd my chnge from time to time. Where required by lw or where we re prticipting in Code of Conduct, we will notify you in dvnce of ny chnges in ccordnce with the requirements of tht lw or code. You cn lso find out more bout our current Terms nd Conditions by: tlking to one of our helpful consultnts t ny brnch or phone looking online t S Wht Best Suits Your Needs nd Gols Our personl bnk ccounts rnge hs been designed so ll our customers cn enjoy the best ccounts nd bnking services for their lifestyle! Reding this guide together with Fees nd Chrges should help you decide wht suits you best. If unsure plese tlk to our friendly service stff bout your individul needs. Here re our personl ccount options for your considertion: TRANSACTION ACCOUNTS Everydy Choice control or eliminte fees with fee free trnsction limits nd ccount service fee wivers * Everydy Access unlimited free Auswide Bnk trnsctions for flt monthly fee * Everydy Pension for pensioners where you cn ern interest. Vis Debit to fcilitte Vis Debit Crd for online nd overses purchses SAVINGS ACCOUNTS Ziggy Kids Sver Bonus Plus Sver Christms Sver Home Deposit Sver Online Sver for kids ged 0-12 where you cn be rewrded with etr interest where you cn be rewrded with etr monthly interest specilly designed to sve for Christms to help you sve towrds deposit for home lon n online sving ccount S * the free benefits pply to most trnsctions nd bnking services INVESTMENT ACCOUNTS Csh Mngement for dily trnscting tht pys more interest when you mintin higher minimum blnce We lso provide rnge of term deposits, trnsction ccounts for business, mortgge offset ccounts nd specilised ccounts for not-for-profit orgnistions, self mnged super funds nd primry producers. 3 Account t--glnce Comprison Tool 4 Fees nd Chrges for personl Accounts - 4 Conditions for Use of Our Bnking Services 4 Trnsction Account Summry 4 Everydy Choice 4 Everydy Access 4 Everydy Pension 5 Vis Debit 5 Svings Accounts Summry 5 Ziggy Kids Sver 6 Bonus Plus Sver 6 Christms Sver 7 Home Deposit Sver 8 Online Sver 8 investment ccounts summry 8 Csh Mngement P 2

3 PERSONAL BANK ACCOUNTS At--glnce Everydy Choice S1/S2* TRANSACTION ACCOUNTS SAVINGS ACCOUNTS INVESTMENT ACCOUNTS Everydy Access S10 Everydy Pension S6 Vis Debit S29 Ziggy Kids Sver S32 Bonus Plus Sver S14 Christms Sver S4 Home Deposit Sver S24 Online Sver S27 personl (P) or business (B) use P P P P/B P P P P P P pssbook ccount option sttement ccount option ccount service fee clered funds on-cll interest pyment structure interest clculted tiered - rte pplies to ech prt of blnce only n/ n/ n/ n/ tiered - rte pplies to ech prt of blnce only tiered - rte pplies to ech prt of blnce only rte pplies to whole of blnce tiered - rte pplies to ech prt of blnce only rte pplies to Csh Mngement S9 tiered rte pplies to whole blnce when tier reched interest pid n/ n/ qurterly n/ monthly monthly yerly-nov 30 monthly monthly monthly minimum opening blnce NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL minimum blnce to be retined NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL brnch ccess bnk cheques cheque book telephone bnking internet nd mobile bnking (including BPAY View ) Vis Debit Crd (ccess ATM s, EFTPOS, Bnk@Post) # BPAY to py bills direct credits (your incoming wges, pension etc) direct debits (your pyments to other finncil institutions/orgnistions) electronic trnsfers to other Auswide Bnk ccounts electronic trnsfers to n eternl bnk ccount RTGS sme dy pyment to n eternl bnk ccount uto-sweep fcility sub-ccounts ccount lbel (eg. holidy, cr etc) For detils of ccount service fees nd wivers refer to Personl Bnk Accounts Fees nd Chrges. S2 is no longer vilble for new ccounts from 24 My If you hve n S2 ccount you should now refer to the S1 Everydy * Choice for your current pplicble ccount terms, conditions, fees nd chrges etc. ~ Vis Debit Crd llows ccess to Austrlin nd overses ATM s nd EFTPOS, Bnk@Post, purchses by mil, phone or internet - Crd Access fee my pply. The purpose of the Christms Sver is to store funds sved during the yer to llevite the etr epenses Christms brings, so withdrwls of svings nd interest re limited to the period December 1 to Jnury 31 The purpose of the Home Deposit Sver is to nurture disciplined sving hbits in preprtion for tking on the finncil responsibilities of home ownership, so outwrd trnsfers/withdrwl of prtil or the requires 3 dys notice Telephone Bnking: ccount blnce or trnsction enquiry only no trnsfer to other Auswide Bnk ccounts under the sme client number no BPAY Internet nd Mobile Bnking: ccount blnce or trnsction enquiry only nd trnsfer from n eternl ccount refer r bnk no other eternl pyments no trnsfer to other Auswide Bnk ccounts under the sme client number no BPAY The Online Sver is designed for net svvy svers so is limited to online mngement. ~ ~ ~ ~ ~ no brnch withdrwls, deposits or trnsfers (ccount my be opened/closed t brnch nd trnsfer is llowed upon closure.) Telephone Bnking: trnsfer funds inr Online Sver from nother Auswide Bnk ccount under the sme client number no BPAY Internet nd Mobile Bnking: one off trnsfers r Everydy Access one off or regulr trnsfers inr Online Sver from nother Auswide Bnk ccount under the sme client number ccount blnce or trnsction enquiry Sttements of your Online Sver re issued 6-monthly on Jnury 1 nd July 1. Cheque pyment services re vilble by rrngement with Westpc Bnking Corportion ABN BPAY & BPAY ViewTM registered to BPAY Pty Ltd ABN P 3

4 TRANSACTION ACCOUNTS These personl ccounts offer you esy ccess for dily trnscting! Everydy Choice Account * An on-cll trnsction ccount for your everydy bnking needs Telephone, internet nd mobile bnking (including smrtphone pp) ccess Vis Debit Crd ccess to Austrlin nd Overses ATM s, EFTPOS nd purchses by mil, phone or internet Brnch nd Bnk@Post ccess Electronic pyments, BPAY, direct crediting, cheque book etc Pssbook or sttement ccount option No minimum opening blnce or blnce to be retined No ccount service fee if dily ccount blnce is mintined t $1,000 or more Avilble for personl use only businesses, compnies, body corporte, supernnution funds, fmily trusts, clubs nd non-profit orgnistions re not eligible ccess to Austrlin nd overses ATM s nd EFTPOS + retil purchses in stores, by mil, phone or internet no interest is pid on funds held in this ccount this type of ccount my not suit the prticulr objectives finncil sitution or needs tht re unique. Everydy Access Account An on-cll trnsction ccount for your everydy bnking needs Free use of Auswide Bnk brnded ATM s, Austrlin EFTPOS, BPAY, brnch csh withdrwls nd trnsfers, personl cheques nd direct debit withdrwls in return for flt monthly ccount service fee (wivers pply) Telephone, internet nd mobile bnking (including smrtphone pp) ccess Vis Debit Crd llows ccess to Austrlin nd Overses ATM s EFTPOS nd purchses by mil, phone or internet Pssbook or sttement ccount option Bnking Services Electronic pyments, BPy, direct crediting, cheque book etc Brnch nd Bnk@Post ccess No minimum opening blnce or blnce to be retined Avilble for personl use only businesses, compnies, body corporte, supernnution funds, fmily trusts, clubs nd non-profit orgnistions re not eligible no interest is pid on funds held in this ccount this type of ccount my not suit the prticulr objectives finncil sitution or needs tht re unique. FEES AND CHARGES for the fees nd chrges pplicble to ll our personl ccounts nd their relted bnking services, refer to Personl Bnk Accounts Fees nd Chrges CONDITIONS FOR USE OF OUR BANKING SERVICES for terms nd conditions on bnking services used in conjunction with ll our personl ccounts, refer to the Guide to Bnking Services Everydy Pension Account An on cll trnsction ccount specificlly designed for pensioners^ Unlike most trnsction ccounts you ern interest on your blnce No ccount service fee or withdrwl fees t Auswide bnk brnches or Auswide Bnk brnded ATM s Telephone, internet nd mobile bnking (including smrtphone pp) ccess Vis Debit Crd llows ccess to Austrlin nd Overses ATM s, EFTPOS nd purchses by mil, phone or internet Brnch nd Bnk@Post ccess Electronic pyments, BPAY, direct crediting, cheque book etc Pssbook or sttement ccount option No minimum opening blnce or blnce to be retined interest is clculted on the dily opening blnce t the tiered rte of interest tht pplies to ech prt of your ccount blnce - the following formul is used: Tier 1 up to $2,000 % Tier 2 over $2,000- up to$48,000 b% Tier 3 over $48,000 c% mount of blnce in tier 1 mount of blnce in tier 2 mount of blnce in tier 3 X+Y+Z= the mount of interest you ll ccrue dily in your Everydy Pension ccount interest is credited t the end of ech finncil qurter (31/3, 30/6, 30/9, nd 31/12) current interest rtes vilble by contcting Auswide Bnk this type of ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique b c = X = Y * S2 is no longer vilble for new ccounts from 24 My If you hve n S2 ccount you should now refer to the S1 Everydy Choice for your current pplicble ccount terms, conditions, fees nd chrges etc. BPAY & BPAY ViewTM registered to BPAY Pty Ltd ABN A Centrelink Pension Crd or letter from Centrelink dvising tht you re receiving pension entitlement is required to open the ccount. Tiers my vry from time to time in ccordnce with chnges to threshold limits set by Federl Government. P 4

5 TRANSACTION ACCOUNTS Vis Debit Account A trnsction ccount designed to fcilitte use of Auswide Bnk s Vis Debit Crd crd which provides you ccess r funds both in Austrli nd overses vi ATM s nd EFTPOS nd when mking purchses t retil stores, online or by mil or telephone Terms nd conditions pply to the use of n Auswide Bnk Vis Debit Crd nd re contined in the Guide to Bnking Services This ccount is vilble for personl or business use If you nominte qulifying Auswide Bnk ccount of which you re n uthorized signtory, wiver of the monthly ccount service fee will pply list of qulifying ccounts for the ccount service fee wiver is in Personl Bnk Accounts Fees nd Chrges A Vis Debit ccount cn be opened s your stndlone ccount, however n ccount service fee will pply Vis Debit Crd llows ccess to Austrlin nd Overses ATM s, EFTPOS nd purchses in stores, by mil, phone or internet Limited bnking services re vilble s the ccount is primrily imed t fcilitting Vis Debit Crd trnsction A monthly Vis Debit Crd ccess fee nd trnsction fees pply No minimum opening blnce or blnce to be retined No pssbook however free monthly ccount sttements will be issued. no interest is pid on funds held in this ccount Vis Debit ccountholders must hold n ctive qulifying ccount nd be the uthorised signtory on this primry ccount in order to void n ccount service fee - so there is risk tht the primry ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique or tht you my incur the ccount service fee if you close our primry ccount bnking services on this ccount re primrily limited to Vis Debit Crd trnsctions, this type of ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique SAVINGS ACCOUNTS These personl ccounts will help you sve for purpose! Ziggy Kids Sver svings ccount specilly designed for children ged 0 to 12 yers upon turning 13 yers, the ccount will be closed nd funds trnsferred to Bonus Plus Sver ccount my be opened in child s nme or s n ccount held in trust for child no ccount service fee no pssbook - free monthly sttements vilble upon request deposit book is vilble to record deposits nd blnce updtes brnch ccess telephone, internet nd mobile bnking ccess vilble to signtories such s prents minimum opening blnce - nil minimum blnce to be retined - nil interest is clculted on the dily opening blnce t the tiered rte of interest tht pplies to ech prt of your ccount blnce - the following formul is used: mount of blnce in tier 1 W + X = the mount of interest you ll ccrue dily in your Ziggy Kids Sver ccount if the conditions below hve been met, monthly bonus rte will pply - the following formul is used mount of blnce in tier 2 blnce in tier 1 blnce in tier 2 b + monthly bonus of c% b + monthly bonus of d% = W = X = Y Y + Z = the mount of interest, including your monthly bonus, you ll ccrue dily in your Ziggy Kids Sver ccount to ern the bonus rte, in whole clendr month you must mke: t lest 1 deposit, credit trnsfer or electronic credit to the ccount (interest credit ecluded), nd no withdrwls, debit trnsfers or electronic debits from the ccount interest is credited t the end of ech clendr month current interest rtes vilble by contcting Auswide Bnk This type of ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique Upon opening this ccount you will be required to provide evidence of the child s dte of birth. P 5

6 SAVINGS ACCOUNTS Bonus Plus Sver Account n on cll svings ccount which rewrds you with bonus rte when you sve pssbook or sttement ccount option brnch nd cheque book ccess telephone, internet nd mobile bnking ccess minimum opening blnce - nil minimum blnce to be retined - nil no ccount service fee vilble for personl use only - businesses, compnies, body corporte, supernnution funds, fmily trusts, clubs nd non-profit orgnistions re not eligible interest is clculted on the dily opening blnce t the tiered rte of interest tht pplies to ech prt of your ccount blnce - the following formul is used: W + X = the mount of interest you ll ccrue dily in your Bonus Plus Sver ccount if the conditions below hve been met, monthly bonus rte will pply - the following formul is used: mount of blnce in tier 1 mount of blnce in tier 2 blnce in tier 1 blnce in tier 1 Y + Z = the mount of interest, including your monthly bonus, you ll ccrue dily in your Bonus Plus Sver ccount to ern the bonus rte, in whole clendr month you must mke: t lest 1 deposit, credit trnsfer or electronic credit to the ccount (interest credit ecluded), nd no withdrwls, debit trnsfers or electronic debits from the ccount interest is credited t the end of ech clendr month current interest rtes vilble by contcting Auswide Bnk this type of ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique b + monthly bonus of C% b + monthly bonus of C% = W = X = Y Christms Sver Account svings ccount specilly designed to stockpile your svings for presents, celebrtions nd trvel during the festive seson pssbook or sttement ccount option deposits only (no withdrwls) brnch ccess telephone, internet nd mobile bnking ccess minimum opening blnce - nil no ccount service fee interest is clculted on the dily opening full blnce of your ccount - the following formul is used: dily blnce interest rte Z = the mount of interest you ll ccrue dily in your Christms Sver ccount the svings period opens on December 1 nd closes on November 30 of the following yer. the interest rte is set nnully on December 1 ech yer for the ensuing svings period. The current interest rte/s cn be obtined by contcting us. interest is clculted on opening dily held in the ccount during the svings period. ccrued interest is pid on November 30 ech yer nd t closure. the withdrwl period opens on December 1 nd closes on Jnury 31 of the following yer. If the ccount is closed during the withdrwl period, interest is pid up until the closure dte. Closure cn only be undertken by our stff reduction of the blnce to nil by customer-initited trnsction does not constitute closure of the ccount. withdrwls re not vilble between Februry 1 nd November 30. Should you require ccess to funds during this period the ccount will be closed nd lower rte of interest will be pid. The lower interest rte my be set t 0%. The current rte of interest rte pid on ccount closure during this period cn be obtined by contcting us. should you wish to withdrw funds from this ccount prior to 1 December ech yer, you will be required to close the ccount with reduced rte of interest this type of ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique P 6

7 SAVINGS ACCOUNTS Home Deposit Sver Account n ccount designed specilly to help you with your gol of sving towrds home lon deposit nd the set-up costs of home purchse vilble for personl use only - open to ll persons sving for home lon deposit withdrwls re restricted nd cn only be mde by electronic trnsfer r nominted pyee fter 3 dys notice to Auswide Bnk in writing - there re lso no withdrwls vi brnch, crd, cheque or online to help you chieve your svings gol limited bnking services re vilble s the principl im is to fcilitte regulr svings no ccount service fee no pssbook - free 6-monthly sttements will be sent nd internet bnking ccount blnce enquiry is lso vilble immeditely prior to pplying for selected Auswide Bnk home lon, if you: hve finl closing ccount blnce of $5,000 or more; nd hve erned the bonus svings interest for the prior 6 months (see conditions below); you ll be entitled to wivers of the Auswide Bnk home lon ppliction fee or the first yer of the Auswide Bnk pckge fee on ny pplicble bnking pckge interest is clculted on the dily opening blnce t the tiered rte of interest tht pplies to ech prt of your ccount blnce - the following formul is used: mount of blnce in tier 1 mount of blnce in tier 2 = W = X this is specilised svings ccount where the fee wivers will only be obtined if you pply, nd re subsequently pproved for selected Auswide Bnk home lon fter meeting the prescribed svings history terms nd conditions by opening this ccount Auswide Bnk does not gurntee tht you will be pproved for home lon by us or nother lender - ll credit pprovls re still subject to our credit criteri including terms nd conditions nd pyment of fees nd chrges without notice ccessing of ny deposited funds requires 3 dys notice this type of ccount my not suit your unique current or future objectives, finncil sitution or needs W + X = the mount of interest you ll ccrue dily in your Home Deposit Sver ccount if the conditions below hve been met, monthly bonus rte will pply - the following formul is used: blnce in tier 1 + monthly bonus of c% = Y blnce in tier 2 Y + Z = the mount of interest, including your monthly bonus, you ll ccrue dily in your Home Deposit Sver ccount to ern the bonus rte, in whole clendr month you must mke: t lest 1 deposit, credit trnsfer or electronic credit to the ccount (interest credit ecluded), nd no withdrwls, debit trnsfers or electronic debits from the ccount interest is credited t the end of ech clendr month current interest rtes vilble by contcting Auswide Bnk b + monthly bonus of d% The fee wiver will pply to the Home Lon Plus nd ny pplicble bnking pckge. It is not requirement for pprovl of home lon tht you hve opened or sved in this ccount. P 7

8 SAVINGS ACCOUNTS Online Sver Account n online svings ccount only no ccount service fee or trnsction fees no minimum opening blnce or blnce to be retined online mngement only - no brnch trnsctions nd only limited bnking services ccount credits cn be mde ny time through electronic trnsfers or direct credits ccount debits cn be mde ny time by using internet, mobile or telephone bnking to electroniclly trnsfer funds r Auswide bnk ccount free ccount sttements re limited to 6-monthly s trnsction listings cn be ccessed through internet bnking t ny time vilble for personl use only - businesses, compnies, body corporte, supernnution funds, fmily trusts, clubs nd non-profit orgnistions re not eligible interest is clculted n the dily opening full blnce of your ccount - the following formul is used: dily blnce interest rte Z = the mount of interest you ll ccrue dily in your Online Sver ccount current interest rtes vilble by contcting Auswide Bnk bnking services nd ccess methods to funds in this ccount re essentilly limited to electronic trnsfers conducted through telephone, internet or mobile bnking - ccountholders should red Terms nd Conditions for Telephone Internet nd Mobile Bnking contined in the Guide to Bnking Services this type of online svings ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique INVESTMENT ACCOUNTS This personl ccount offers you higher returns for lrger deposits! Csh Mngement Account An on-cll investment ccount you cn lso use for your dily trnscting No ccount service fee if dily ccount blnce is mintined t $5,000 or more Reduced trnsction fees if minimum blnce of $20,000 is mintined t ll times Telephone, internet nd mobile bnking (including smrtphone pp) ccess Brnch nd Bnk@Post ccess Electronic pyments, BPAY, direct crediting, cheque book etc Vis Debit Crd llows ccess to Austrlin nd Overses ATM s EFTPOS + retil purchses in stores, by mil, phone or internet Pssbook or sttement ccount option No minimum opening blnce or blnce to be retined Avilble for personl use only businesses, compnies, body corporte, supernnution funds, fmily trusts, clubs nd non-profit orgnistions re not eligible. interest is clculted for the t the rte of interest tht pplies r full dily ccount blnce - the following formul is used: up to $4, % over $4, up to $19, b% over $19, up to $49, c% over $49, up to $99, d% over $99, up to $249, e% over $249, up to $499, f% over $499, g% b c d e f g Z = the mount of interest you ll ccrue dily in your Csh Mngement ccount this type of ccount my not suit the prticulr objectives, finncil sitution or needs tht re unique P 8

Business Fees and Charges

Business Fees and Charges Business Fees nd Chrges 21 August 2017 1 COVER IMAGE: Drren Rpid Auto Locl Business Member Goulburn Fee Summry Tble Everydy Trnsction Account Everydy Business (S90) Monthly Service Fee Trnsction Fees rediatm