Fiji. Customer service fees and charges

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Jonah Lawrence
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1 Fiji Customer service fees and charges Effective 15 th September, 2016

2 PASSBOOK SAVER ACCOUNT Minimum Opening Balance $1, Minimum Operating Balance $5, Paper withdrawal $2.00 Withdrawal (first withdrawal) 1 per month if balance is below $5,000 $2.00 per month ADVANTAGE ACCOUNT - Paper withdrawal $ *Electronic withdrawal/transfer $ Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per withdrawals $2.00 per month ELECTRONIC TRANSACTION ACCOUNT - Electronic withdrawal fee 2 free electronic withdrawals and a fee of $0.40 applies thereafter - Paper withdrawal $ Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per withdrawals on Westpac Electronic Channels 2 per month $2.00 per month Standing order to Bonus Saver Account Standing order to Loan Account CHOICE BASIC ACCOUNT Minimum Opening Balance $ Paper withdrawals $ *Electronic withdrawal/transfer $ Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per withdrawals BONUS SAVER ACCOUNT - Paper withdrawals $5.00 per withdrawal - *Electronic withdrawal/transfer $2.00 per withdrawal - Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per withdrawals - First electronic withdrawal - First paper withdrawal

3 esaver ACCOUNT - Paper withdrawal $ *Electronic transfer via Westpac Internet only SENIORS ACCOUNT - Paper withdrawals - *Electronic withdrawal/transfer - Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per Replacement Pin $5.00 Transfer Orders - Transfer Orders to all Westpac Local Accounts YOUTH ACCOUNT - Paper withdrawal (after 1 free paper withdrawal) $ *Electronic withdrawal (after 6 free withdrawals) $ Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per Withdrawals per month 6 electronic withdrawals 1 paper withdrawal PERSONAL CHEQUE ACCOUNT Minimum Opening Balance - Resident $ Minimum Opening Balance - Non Resident $ Electronic $ Interchange fee at ANZ ATMs $0.50 per - Interchange fee at BSP ATMs $1.50 per - Interchange fee at HFC ATMs $1.00 per - Cheque withdrawal $ Deposit fee $0.40 Transactions: - First 2 credits - First 2 cheque withdrawals Maintenance fee $5.00 per month Account Overdrawn Fee $10.00 (each time the account is overdrawn by $50 or more outside/without arrangements) Unarranged excess interest rate 18.5% p.a TERM DEPOSIT Minimum opening Balance $1, Minimum Operating Balance Requirement $1, Break Fee $40.00 Penalty applies on Early Termination ie. Term deposits broken before due date will be paid interest at a reduced rate.

4 VISA DEBIT CARD Application Fee $35.00 Annual Service Fee $35.00 Electronic Transaction authorised by overseas external network: ATM $10.00 Electronic Transaction Authorised by overseas external network : EFTPOS Replacement Card Fee $35.00 BUSINESS MAX-i DIRECT Minimum Opening Balance $ Cheque withdrawal $ Electronic transfer via Westpac Internet only BUSINESS CHEQUE ACCOUNT Minimum Opening Balance - Resident $ Minimum Opening Balance - Non Resident $ Cheque withdrawal Fee $0.60 per Collection Fee cheque (on each cheque deposited) Deposit Fee $5.00 per month Account Overdrawn Fee $15.00 (each time the account is overdrawn by $100 or more outside/without arrangements) Electronic Transfer Fee Unarranged excess interest rate 17.5% p.a Search Fee (Search on registration of documents) $35.00 Deposit via Electronic channels DEPOSIT BEARING INTEREST CHEQUE ACCOUNT Minimum Opening Balance $ Cheque withdrawal Fee Deposit Fee First 2 credits and 8 debits each month will be free $0.40 $2.00 per month Account Overdrawn Fee $15.00 (each time the account is overdrawn by $100 or more outside/without arrangements) Unarranged excess interest rate 17.5% p.a Search Fee (Search on registration of documents) $35.00

5 ATM CASH DISBURSEMENT FEE Cash disbursement fee on overseas issued cards $15.00 per (American Express, Westpac Visa Credit Cards and Cards issued by our Global Alliance partners (ABSA, Bank of America, Deutsche Bank, Barclays, BNP Paribas and Scotiabank) and Westpac Australia, Westpac NZ, Westpac Bank PNG Limited, Westpac Vanuatu are exempted from the fee.) MOBILE BANKING Fee applicable as per electronic withdrawal on the various accounts. Balance Enquiry fee $0.20 per (Effective 4/7/16) INTERNET BANKING Fee applicable as per Electronic withdrawal on the various accounts. Bill Pay through Internet/Telephone/Mobile banking/ Instore Banking - Fee applicable as per electronic withdrawal on the various accounts and service fee. Fees apply for TT, Drafts & Stop Payments Refer to International fees and charges brochure Electronic Statement Cash advance on Amex Credit Card/ Visa Credit Card TELEPHONE BANKING Fee applicable as per Electronic withdrawal on the various accounts. Balance check Amex Credit Card payment Loan payment own account Cash advance on Amex Credit Card/ Visa Credit Card INTERCHANGE FEE $10.00 per $10.00 per Applies when using other Bank s electronic channels ATMs - Balance enquiry $0.20 ANZ per $0.60 BSP per $0.40 HFC per - Withdrawals $0.50 ANZ per $1.50 BSP per $1.00 HFC per EFTPOS - Balance enquiry - Withdrawals

6 EFTPOS BRANCH TERMINAL CASH WITHDRAWAL FEE Completing slips for third party if the withdrawal amount is below the approved ATM limit. DEPOSITS BY MAIL WITHOUT LODGEMENT SLIP QUICKPAY $1.00 per Deposit Establishment/Licensing Fee $75.00 Wage/salary & creditor payments - to Westpac accounts $0.10 per - Payments to other bank accounts $0.10 per account - Minimum Fee $2.00 per Item - Reject Fee $2.00 per Item LIST PAY Manual transfers to other banks Manual transfer within Westpac Counter at Westpac (applicable for more than 5 deposits) FAX MESSAGES Statements/vouchers etc $7.50 BUSINESS EXPRESS DEPOSITS $5.00 per credit $2.00 per credit $2.00 per credit First Pack of 50 Additional Pack of 50 - large $ small $28.00 TRANSFER ORDER Payments to Westpac local accounts $2.00 Payment to accounts at another bank $10.00 Payments by Bank Cheque $15.00 Overseas s: - TT s $ Drafts $10.00 Westpac local Accounts to Bonus Saver account ETA to Westpac Loan Account LOST PASSBOOK/CARD/PIN Lost Passbook $20.00 Replacement Handycard (lost/stolen) $10.00 Reissue PIN $5.00 BANK CHEQUE - Purchase $ Repurchase by Westpac $ Replacement cheque $20.00 (lost, stolen or destroyed)

7 DISHONOUR FEE If your cheque is dishonoured (outward) $25.00 Cheques returned unpaid (inward) DEPOSIT BOOKS Duplicate Deposit Books $7.50 Triplicate Deposit Books $10.00 CHEQUE BOOK Stamp Duty applicable. 50 leaves $ leaves $ leaves $10.00 SPECIAL ANSWER FEE Westpac cheques Other banks cheques STOP PAYMENTS Stop Payment Notice (on cheques) FIJI CLEAR Local transfers to other Commercial Banks Up to $100 $2.00 $101 - $1,000 $5.00 $1,001 - $10,000 $10.00 $10,001 and above $15.00 SAFE CUSTODY FEE Establishment charge or re-lodgement after 3 months (each year to be applied pro-rata in advance according to size of envelopes/packets as per below) - Annual Charge (February each year) Envelopes up to 20cm x 40cm Large envelopes, packets, parcels etc up to 25cm x 40cm Box up to 10,000 cubic - centimeters (cc) More than 10,000 (cc) $5.00 per item $25.00 per item $15.00 per item $20.00 per envelope $40.00 per item $100 per box $500 per box Access Fee: - First access - Second and subsequent access $10.00 STATEMENTS Duplicate Statements Special request for statements outside of normal cycle estatement $5.00 per sheet $5.00 per sheet

8 CERTIFICATES SUPPLIED OPINIONS Certificate of Balance and Interest Certificates $ On accounts opened within 60 days of request $50.00 per certificate - Deceased accounts $15.00 per certificate - Bank Audit Certificates $50.00 per certificate - Additional accounts $10.00 per certificate - Each confidential report for $50.00 per bankers opinion sought opinion - Giving opinion in support for $50.00 per visa applications opinion CHANGE SUPPLIED Bank customer Other bank customer - each standard bag or roll VOUCHER RETRIEVAL Voucher Fee Plus in excess of 20 vouchers $0.25 per roll or fold min 25c $5.00 per voucher $30.00 per additional hour *Electronic withdrawals/transfers refer to withdrawals/transfers via Westpac ATMs, EFTPOS, transfers using Telephone Banking, Internet Banking, BillPay, Mobile Banking and Instore Banking. IMPORTANT CUSTOMER NOTICE Prior notice of 30 days would be given on any increase(s) or new fee(s) and charge(s). For further information please call the Westpac Customer Service Call Centre on (Business Days 8am to 6pm) or ask for details at any Westpac Branch or for Postal P. O. BOX 238, Suva. Westpac Banking Corporation. ABN The liability of members is limited.

DISCLOSURE OF FEES AND CHARGES

DISCLOSURE OF FEES AND CHARGES CUSTOMER BANKING SERVICES 1 ACCESS EVERYDAY ACCOUNT Minimum opening balance $100.00 Minimum operating balance N/A requirement Maintenance fee $2.00 per month Electronic withdrawal