Product Schedule Part C: Fees & Charges

Product Schedule Part C: Fees & Charges Effective Date 2 October 2017

Supplementary Product Schedule Part C: Fees & Charges Important changes to The Rock Terms & Conditions Deposit Accounts The Rock has updated its Product Schedule Part C: Fees & Charges effective 15 October 2018. To help you understand the changes that may affect you, we ve provided a summary of the key items below. The following Supplementary Terms & Conditions should be read in conjunction with the Product Schedule Part A: Product Summary, Part B: Terms & Conditions dated 12 February 2018 and Product Schedule Part D: Deposit Interest Rates which are available from therock.com.au. Supplementary Product Schedule Part C: Fees & Charges Effective date: 15 October 2018 Amendments On page 16 we have renamed Inward Electronic Payment Reference Fee. This now says: Redirect Fee per transaction $8.00 When an incoming payment is received with the incorrect account name or account number. This includes direct credits and debits. If we are able to ascertain which account should be debited or credited, we can redirect the credit/debit to the correct account. This fee is charged each time we receive the funds to the incorrect account number. We have introduced the following fee Force Post Fee per transaction $8.00 For any savings or transaction account where we force a payment to your account. This may include processing a transaction such as a direct debit when on the day the direct debit payment was due there were insufficient funds in your account. To avoid this fee, make sure you have available and cleared funds in your account at all times.

On pages 4 to 12 we removed the following fee effective 19 July 2018 ATM withdrawals Per transaction described in item 5a, 5b, 5c $0.50 On page 18 we have amended the interest paid and fee charged on early withdrawal from fixed term deposits. This now says: Term Deposit Early Withdrawal The interest paid will be calculated at the lowest Rock at call savings or transaction account interest rate prevailing at the time of redemption. In the event of early withdrawal due to death of the customer, interest is paid at the full interest rate. Early withdrawal termination values may be obtained by contacting us. With Income Term Deposit Accounts, in the event of insufficient interest being accrued at the time of redemption interest penalty, the deposit sum invested may be reduced by this figure at redemption. The Rock - A division of MyState Bank Limited ABN 89 067 729 195 AFSL 240896 Australian Credit Licence 240896 ROKCOMP061A V1.0-0918

Important changes to The Rock Terms & Conditions Deposit Accounts The Rock has updated its Product Schedule Part B: Terms & Conditions effective 1 October 2018 and Product Schedule Part D: Deposit Interest Rates. To help you understand the changes that may affect you, we ve provided a summary of the key items below. The following Supplementary Terms & Conditions should be read in conjunction with the Product Schedule Part B: Terms & Conditions dated 12 February 2018 and Product Schedule Part D: Deposit Interest Rates which are available from therock.com.au. Supplementary Product Schedule Part B: Terms and Conditions Effective date: 1 October 2018 Amendments Interest payable will occur on the last calendar day of each month. On page 34 we have removed Special esaver from 11.1.b and amended Section 11.1 e. This now says: 11.1.e. Special esaver, Youth, Online saver and Cash Management Account at the end of the month. Supplementary Product Schedule Part D: Deposit Interest Rates Effective date: 1 October 2018 Amendments The Balance Tiers on the Special esaver Account will alter as shown below. Balance Tiers Current From 1 October 2018 $0-$4,999 $0-$49,999 $5,000-$49,999 $50,000-$149,999 $50,000+ $150,000-$249,999 $250,000-$499,999 $500,000+ Important changes to Rock Product Schedules for Deposit Accounts The Rock has updated its Product Schedules; Part A: Product Summary, Part B: Terms & Conditions, effective 15 August 2018 and Part C: Fees & Charges effective 1 July 2018. To help you understand the changes that may affect you, we ve provided a summary of the key items below. The following Supplementary Product Schedule should be read together with our Product Schedules: Part A: Product Summary dated 12 February 2018, Part B: Terms & Conditions dated 12 February 2018, Part C: Fees & Charges dated 2 October 2017. Purpose This document is to advise changes to the Product Schedules Part A: Product Summary dated 12 February 2018, Part B: Terms & Conditions dated 12 February 2018, Part C: Fees & Charges dated 2 October 2017. Supplementary Product Schedule Part A: Product Summary Effective date: 15 August 2018 Amendments We will no longer offer new redicard PLUS cards as a new payment product. On page 2 we have indicated that redicard PLUS is no longer offered. This section now reads There are also separate Terms and Conditions for Visa Debit Card and Terms and Conditions for redicard PLUS (no longer offered). All other references to redicard PLUS will mean that redicard PLUS is no longer offered as a new payment product. Youth Account On page 13 we ve made some amendments to where a Youth Account may be converted to. We have replaced Fee Cruncher Account, a no longer offered product, with Everyday Account. The section now says: 5 th dot point The Rock is entitled to convert the account to The Rock s Everyday Account 9 th dot point The account automatically converts to The Rock s Everyday Account following the account holder s 18th birthday. Supplementary Product Schedule Part B: Terms and Conditions Effective date: 15 August 2018 Amendments We will no longer offer new redicard PLUS cards as a new payment product. On page 2 we have indicated that redicard PLUS is no longer offered. This section now reads There are also separate Terms and Conditions for Visa Debit Card and Terms and Conditions for redicard PLUS (no longer offered). All other references to redicard PLUS will mean that redicard PLUS is no longer offered as a new payment product. Section 4. Rock Cheques On page 14 we ve made some amendments to sub section 4.4 about cheque cashing. The section now says: 4.4 You may not cash cheques at the Bank. Cheques may be cashed at any branch of The Rock provided suitable identification can be provided. Section 14. Use of accounts On page 38 we ve made some amendments to sub section A to remove statements from this section and renumbered the sub sections that follow. We have also amended which account a Rock Youth Account will be transferred to. The section now says: (a) General 14.1 You, or any person authorised to operate on your account, can obtain the balance in your accounts by visiting any of our branches or calling us on 1800 806 645. Balance enquiries are available from ATMs for ROKCOMP061 V1.1-0818 The Rock - A division of MyState Bank Limited ABN 89 067 729 195 AFSL 240896 Australian Credit Licence 240896

accounts that have ATM Cards attached, our Internet Banking facility (therock.com.au) or Phone Banking services (1800 806 645). There may be a fee for this service. Please refer to Product Schedule Part C: Fees & Charges. 14.2 The Rock Youth Account is designed to supply low or fee-free banking for children aged under 18 years. If The Rock believes these accounts are being used for any purpose other than purely for the benefit of the account holder we reserve the right, at our discretion, to close the account and transfer the balance to The Rock s Everyday Account. Section 22. Notices and Statements On page 47 we have renamed this section from Variations to these Terms and Conditions to Notices and Statements. The section now says: a. We can send statements, notices and other documents to you: at a postal or residential address you have nominated; at a postal or residential address that we believe is your current postal or residential address; or by electronic communication to your nominated electronic address, electronic equipment or device or by making such information available to you for retrieval from our website. b. When we provide these terms and conditions to any party of a joint account, they will be considered to have been received by all account holders. c. We will generally send your statements at least every six months, unless you request otherwise. If you have an overdraft, your statement will be sent to you monthly. We may choose not to send you a statement of account where the law does not require us to send it to you. d. You should check your statement of account as soon as you receive it to ensure that all transactions are correct. Please let us know immediately if you believe there is an error on your statement. e. If you have a joint account, you agree that we will provide you with a statement by sending a statement of account to each joint account holder or by sending one statement of account noting all joint account holders to the first person named on the application form. f. If you request a replacement statement, a fee may apply. Please refer to the Product Schedule Part C: Fees & Charges Section 23. Change of Name and Address We have included a new section Change of Name and Address. This section says: a. You need to let us know promptly if there is a change to your contact details including your name, residential or postal address and any electronic address you have provided. If you change your address and you do not tell us, we will still give you notice by writing to your previous address. b. If you change your name, you will need to provide supporting documentation in accordance with AML/CTF Customer Identification requirement that is issued by an Australian State or Territory (Registry of Births, Deaths and Marriages). Section 24. Changes to Fees and Charges, Interest Rates and Terms and Conditions We have included a new section Changes to Fees and Charges, Interest Rates and Terms and Conditions. This section says: a. We may change any of these terms and conditions. We will give you at least 30 days prior notice (longer if we are required to by law or any code we subscribe to) of any change that: varies the method of calculating interest varies the frequency of crediting interest varies the balance range to which an interest rate applies increases your liability for losses in relation to transactions made using internet banking, phone banking, or operator assisted banking introduces a new fee or charge; or increases a fee or charge b. We agree to tell you all other changes (including any interest rate changes to your account) no later than the day the change takes effect. c. We will tell you by either: writing to you; or advertising in a national or local newspaper; or giving you notice in another manner allowed by law d. If your account is a joint account, you agree that the first person named on the application will be appointed as agent of the other account holders for the purposes of receiving written notices from us under this clause. This means that only one notice will be sent for your account. e. Subject to satisfying any legislative requirements, we may not give advance notice of: the reduction or cancellation of daily limits for cash withdrawals, purchases and transfers using electronic and phone banking by you; or other changes to terms and conditions that are required to immediately restore or maintain the security of our systems or your account. Supplementary Product Schedule Part C: Fees & Charges Effective date: 1 July 2018 Amendments Visa Debit Card Fees On page 14 we have removed Emergency Card Replacement Overseas fee. ROKCOMP061 V1.1-0818 The Rock - A division of MyState Bank Limited ABN 89 067 729 195 AFSL 240896 Australian Credit Licence 240896

This document forms part of the information you will require prior to opening a savings account or term deposit account with The Rock. The other documents you will require for these products are: Product Schedule Part A: Product Summary Product Schedule Part B: Terms and Conditions Product Schedule Part D: Deposit Interest Rates Terms and Conditions for Visa Debit Card (if applicable) Terms and Conditions for redicard PLUS (if applicable) You should read all of these documents carefully and retain them for future reference. Copies of each of these documents are available from The Rock or by visiting therock.com.au The Rock - A division of MyState Bank Limited (MyState) ABN 89 067 729 195 AFSL 240896 Australian Credit Licence Number 240896 A wholly owned subsidiary of MyState Limited ABN 26 133 623 962 Product Schedule Part C: Fees & Charges 2

Contents Section A Account Fees Section B Other Fees and Charges Section C Government Fees and Charges Section D Tips on Minimising Fees and Charges Product Schedule Part C: Fees & Charges 3

Section A Account Fees Offered Accounts Refer to important things to know Description Everyday Account Special esaver Account Senior s Platinum Monthly account fee $6.00 12 Free Exempt ATM/EFTPOS ATM withdrawals 6 Free 6 n/a $0.50 5a,6 ATM balance enquiries 6 Free 6 n/a Free 6 EFTPOS purchase or cash out Free 13 n/a $0.65 CHEQUES Cheque deposits (per cheque) Free n/a $0.30 Cheque drawn and subsequently dishonoured n/a n/a $25.00 Cheque lodged and returned unpaid $20.00 $20.00 $10.00 Cheque withdrawals n/a n/a $1.00 Stop payment fee on personal cheques n/a n/a $15.00 Stop payment fee on counter cheques $15.00 $15.00 $15.00 Counter cheque withdrawals $8.00 $8.00 $8.00 Special clearance for Rock cheques (same day service) $20.00 $20.00 $7.50 Special clearance for other bank cheques (1-2 day answer) $20.00 $20.00 $16.00 ELECTRONIC BANKING Transfers between Rock accounts Free Free Free BPAY Free Free $0.30 BPAY correction due to incorrect information supplied $20.00 $20.00 $20.00 Future dated electronic external transfers Free Free $0.65 Incoming direct debit Free Free $0.65 Bank@Post TM Withdrawal $3.00 10 n/a $3.00 10 Electronic debit dishonour $15.00 14 $30.00 14 $17.50 STAFF ASSISTED Over counter/staff assisted external transfer Free $2.75 15 $5.00 Staff assisted transaction fee (branch transactions except deposits) Free $2.75 15 $2.50 5a Staff assisted activity fee (via phone) Free $2.75 15 $5.00 CASH DEPOSITS Notes $10.00 11 $10.00 11 Free Bagged and sorted coin $10.00 11 $10.00 11 Free Loose coin $10.00 11 $10.00 11 $5.00 per $100 counted PERIODICAL PAYMENT Establish a new periodical payment Free Free $2.00 Change an existing periodical payment Free Free $2.00 OTHER Dormant account fee 7 $2.00 7.1 $2.00 7.1 $4.00 Product Schedule Part C: Fees & Charges 4 Product Schedule Part C: Fees & Charges 5

Section A Account Fees Offered Accounts (cont d) Description Refer to important things to know Christmas Club Standard Offset Business Monthly account fee Free $12.00 $8.00 4 ATM/EFTPOS ATM withdrawals 6 n/a $0.50 5c,6 n/a ATM balance enquiries 6 n/a Free 6 n/a EFTPOS purchase or cash out n/a $0.65 n/a CHEQUES Cheque deposits (per cheque) $0.30 $0.30 $0.30 Cheque drawn and subsequently dishonoured n/a $25.00 $25.00 Cheque lodged & returned unpaid $10.00 $10.00 $10.00 Cheque withdrawals n/a $1.00 $1.00 Stop payment fee on personal cheques n/a $15.00 $15.00 Stop payment fee on counter cheques $15.00 $15.00 $15.00 Counter cheque withdrawals $8.00 9 $8.00 $8.00 Special clearance for Rock cheques (same day service) $7.50 $7.50 $7.50 Special clearance for other bank cheques (1-2 day answer) $16.00 $16.00 $16.00 ELECTRONIC BANKING Transfers between Rock accounts Free 9 Free Free BPAY $0.30 9 $0.30 $0.30 BPAY correction due to incorrect information supplied $20.00 $20.00 $20.00 Future dated electronic external transfers $0.65 9 $0.65 $0.65 Incoming direct debit $0.65 $0.65 $0.65 Bank@Post Withdrawal n/a $3.00 10 n/a Electronic debit dishonour $17.50 $17.50 $17.50 STAFF ASSISTED Over counter/staff assisted external transfer $5.00 9 $5.00 $5.00 Staff assisted transaction fee (branch transactions except deposits) n/a n/a n/a Staff assisted activity fee (via phone) $5.00 $5.00 $5.00 CASH DEPOSITS Notes Free Free Free Bagged and sorted coin Free Free Free Loose coin PERIODICAL PAYMENT $5.00 per $100 counted $5.00 per $100 counted $5.00 per $100 counted Establish a new periodical payment $2.00 $2.00 $2.00 Change an existing periodical payment $2.00 $2.00 $2.00 OTHER Dormant account fee 7 n/a n/a n/a BPAY Registered to BPAY Pty Ltd ABN 69 079 137 518 Bank@Post TM and its device marks are trademarks (registered or otherwise) of the Australian Postal Corporation. Product Schedule Part C: Fees & Charges 6 Product Schedule Part C: Fees & Charges 7

Section A Account Fees No Longer Offered Accounts Refer to important things to know Description Fee Cruncher 1 The Only 1 Monthly account fee Free $6.00 2,3 Free ATM/EFTPOS ATM withdrawals 6 $0.50 5a,5b,6 $0.50 5c,6 n/a ATM balance enquiries 6 Free 6 Free 6 n/a EFTPOS purchase or cash out $0.65 5b $0.65 n/a CHEQUES Online Saver 1 Cheque deposits (per cheque) $0.30 $0.30 $25.00 Cheque drawn and subsequently dishonoured n/a $25.00 n/a Cheque lodged and returned unpaid $10.00 $10.00 $10.00 Cheque withdrawals n/a $1.00 n/a Stop payment fee on personal cheques n/a $15.00 n/a Stop payment fee on counter cheques $15.00 $15.00 $15.00 Counter cheque withdrawals $8.00 $8.00 $25.00 Special clearance for Rock cheques (same day service) $7.50 $7.50 $7.50 Special clearance for other bank cheques (1-2 day answer) $16.00 $16.00 $16.00 ELECTRONIC BANKING Transfers between Rock accounts Free Free Free BPAY $0.30 $0.30 $0.30 8 BPAY correction due to incorrect information supplied $20.00 $20.00 $20.00 Future dated electronic external transfers $0.65 $0.65 $0.65 Incoming direct debit $0.65 $0.65 $0.65 Bank@Post TM Withdrawal $3.00 10 $3.00 10 n/a Electronic debit dishonour $17.50 $17.50 $17.50 STAFF ASSISTED Over counter/staff assisted external transfer $5.00 $5.00 $25.00 Staff assisted transaction fee (branch transactions except deposits) $2.50 5a,5b n/a $25.00 Staff assisted activity fee (via phone) $5.00 $5.00 $25.00 CASH DEPOSITS Notes Free Free $25.00 Bagged and sorted coin Free Free $25.00 Loose coin PERIODICAL PAYMENT $5.00 per $100 counted $5.00 per $100 counted $5.00 per $100 counted Establish a new periodical payment $2.00 $2.00 $2.00 8 Change an existing periodical payment $2.00 $2.00 $2.00 8 OTHER Dormant account fee 7 $4.00 n/a $4.00 Product Schedule Part C: Fees & Charges 8 Product Schedule Part C: Fees & Charges 9

Section A Account Fees No Longer Offered Accounts (cont d) Refer to important things to know Description Youth 1 Non-Standard Offset Senior s Account Monthly account fee Free Exempt $6.00 2 ATM/EFTPOS Cash Management 1 ATM withdrawals 6 Exempt 6 Exempt 6 $0.50 5c,6 n/a ATM balance enquiries 6 Exempt 6 Exempt 6 Free 6 n/a EFTPOS purchase or cash out Exempt Exempt $0.65 n/a CHEQUES Cheque deposits (per cheque) Free Exempt $0.30 $0.30 Cheque drawn and subsequently dishonoured n/a $25.00 $25.00 $25.00 Cheque lodged and returned unpaid $10.00 $10.00 $10.00 $10.00 Cheque withdrawals n/a Exempt $1.00 $1.50 Stop payment fee on personal cheques n/a $15.00 $15.00 $15.00 Stop payment fee on counter cheques $15.00 $15.00 $15.00 $15.00 Counter cheque withdrawals Free $8.00 $8.00 $8.00 Special clearance for Rock cheques (same day service) $7.50 $7.50 $7.50 $7.50 Special clearance for other bank cheques (1-2 day answer) $16.00 $16.00 $16.00 $16.00 ELECTRONIC BANKING Transfers between Rock accounts Free Free Free Free BPAY Free Exempt $0.30 $0.30 BPAY correction due to incorrect information supplied $20.00 $20.00 $20.00 $20.00 Future dated electronic external transfers Free Exempt $0.65 $0.65 Incoming direct debit Free Exempt $0.65 $0.65 Bank@Post TM Withdrawal $3.00 10 $3.00 10 $3.00 10 n/a Electronic debit dishonour $17.50 $17.50 $17.50 $17.50 STAFF ASSISTED Over counter/staff assisted external transfer Free Exempt $5.00 $5.00 Staff assisted transaction fee (branch transactions except deposits) n/a n/a n/a n/a Staff assisted activity fee (via phone) $5.00 $5.00 $5.00 $5.00 CASH DEPOSITS Notes Free Free Free Free Bagged and sorted coin Free Free Free Free Loose coin PERIODICAL PAYMENT Free $5.00 per $100 counted $5.00 per $100 counted $5.00 4 $5.00 per $100 counted Establish a new periodical payment Free Exempt $2.00 $2.00 Change an existing periodical payment Free Exempt $2.00 $2.00 OTHER Dormant account fee 7 $4.00 n/a n/a n/a Product Schedule Part C: Fees & Charges 10 Product Schedule Part C: Fees & Charges 11

Important things to know 1 This account is no longer available to new account holders. 2 This fee will be waived if the balance is above $1,500 for the whole calendar month. 3 This fee will be waived for one account if you have one or more Home Loan Contracts with The Rock. 4 This fee will be waived if the balance remains above $5,000 all times during the month. 5a First 2 free per month. 5b Deposit $1,000 in the whole calendar month and the fee is waived. 5c First 4 free per month. 6 ATM withdrawals and balance enquiries made at any non-rediatm may incur additional fees, which will be disclosed to you and deducted by the ATM provider at the time of the transaction if you decide to proceed. 7 Applies when account has had no customer initiated transactions for 2 years. 7.1 Inactive Accounts - Everyday Account and Special esaver Account. For any account on which you have not transacted for at least 12 months. 8 $25 fee applies if staff initiated. 9 Any withdrawals outside the period 15 November to 31 December will incur a $25 fee. 10 Bank@Post Withdrawal fee is debited on the last day of the month. 11 Cash Handling Fee Deposits and withdrawals $3,000 and above per transaction $10.00 12 Monthly Account Fee Everyday Account A Monthly Account Fee applies to the Everyday Account which entitles you to unlimited free staff assisted and electronic transactions. Where this fee applies to an account it will be debited on the last calendar day of each month, including the month on which the account is opened. The fee will not be charged at the time of account closure. You must ensure that you maintain sufficient funds in your account at the end of each month to cover the fee. Monthly Account Fee exemptions Where a Monthly Account Fee applies to an account, you will be eligible for a fee exemption for that month if either of the following criteria is satisfied: $2,000 or more is deposited to your account in total during the month from an external source i.e. a source that is external to your individual Rock customer number. Transfers between your own accounts do not qualify as an external source. The Monthly Account Fee will be charged to your account on the last calendar day of the month and then refunded on the first calendar day of the following month. You are aged 23 years of age or younger as at the last calendar Product Schedule Part C: Fees & Charges 12

day of the month. The Monthly Account Fee will simply not be charged to your account at the end of the month (waived). 13 EFTPOS Everyday Account A cash withdrawal or purchase made via EFTPOS: including Visa Debit Card transactions via Visa Merchant/EFTPOS credit option (includes Visa paywave transactions for paywave enabled cards). 14 Electronic debit dishonour Everyday Account and Special esaver Account This fee will be debited to your account on the day of the dishonour or rejection. This fee is charged when any payment on your account, whether customer cheque, periodical payment, transfer order, account transfer, direct debit or BPAY cannot be processed or is dishonoured. To avoid this fee, make sure you have enough funds in your account at all times. 15 Staff Assisted Transaction Fee - Special esaver Account A cash withdrawal or a transfer from one account to another made over the counter at a branch, through the Customer Care Team or via a mail or fax request including cheques written by you that are cashed by you or another person in a branch. Incudes transfers made to accounts under the same customer number. A cash advance from your Rock account transacted at another financial institution. Staff Assisted transactions, both branch and phone are not normally allowed on the Special esaver account. However if we agree to complete a withdrawal or transfer on your behalf, then the Staff Assisted Transaction Fee will apply. Section B Other Fees and Charges The following fees and charges are in addition to the transaction fees detailed in Section A. Visa Debit Card Fees Cash Advance Over the counter (domestic or overseas) or at an ATM (overseas only) $5.00 This fee is debited on the last day of each month. Cash advances overseas will incur additional Third Party charges. Foreign Currency Conversion Per transaction 3% of transaction amount Visa International will convert all transactions made overseas on the Visa Debit Card into Australian dollars at the foreign exchange rate that applies on the day the transaction is processed by Visa International. A conversion fee of 3% of the value of the transaction is payable (of which 2% is payable to Cuscal Limited, the principal member of Visa International under which The Rock provides Visa Debit Cards). Transactions may not be processed to your Linked Account Product Schedule Part C: Fees & Charges 13

on the same day. To the extent permitted by law, you bear the risk of change in exchange rates in the intervening period. Visa Overseas Emergency Cash Advance Third Party charge $175.00 Should Visa decline your application, a $50.00 fee applies. Emergency Card Replacement Overseas Third Party charge $175.00 Should Visa decline your application, a $50.00 fee applies. Card Replacement Fee Within Australia $10.00 Applicable for the replacement of a Rock Visa Debit Card except if: The card is faulty at time of issue and returned to The Rock; or The card is stolen and a copy of a police report is provided. Transaction Verification Fee Per transaction $15.00 Charged when The Rock is requested to investigate a transaction. The fee will not be charged if The Rock finds that the transaction is incorrect. Copies of Sales Vouchers on Visa Purchases If a copy is required $15.00 redicard PLUS Fees Foreign Currency Conversion Per transaction 2% of transaction amount Visa International will convert all transactions made overseas on the redicard PLUS into Australian dollars at the foreign exchange rate that applies on the day the transaction is processed by Visa International. A conversion fee of 2% of the value of the transaction is payable to Cuscal Limited, the principal member of Visa International under which The Rock can provide you with the overseas functionality of your redicard PLUS. Transactions may not be processed to your Linked Account on the same day. To the extent permitted by law, you bear the risk of change in exchange rates in the intervening period. Card Replacement Fee Within Australia $10.00 Applicable for the replacement of a redicard PLUS except if: The card is faulty at time of issue and returned to The Rock; or The card is stolen and a copy of a police report is provided. Product Schedule Part C: Fees & Charges 14

Transaction Verification Fee Per transaction $15.00 Charged when The Rock is requested to investigate a transaction. The fee will not be charged if The Rock finds that the transaction is incorrect. Copies of Sales Vouchers on EFTPOS purchases If a copy is required. $15.00 Bank Cheque Everyday Account & Special esaver Account per item $16.00 Bank/Performance Guarantees 1% of $ amount guaranteed or minimum fee $200.00 This fee is charged on establishment and annually thereafter. Letter of Undertaking 1% of $ amount guaranteed or minimum fee $200.00 This fee is charged on establishment and annually thereafter. Account Balance Certificate Certificate of account balance $15.00 This fee is charged when a certified letter is required. Safety Deposit Vault Fee Safety Deposit annual vault fee $30.00 Per visit $5.00 Statements Over the counter $5.00 Sent by fax $5.00 Foreign Exchange Travelex Foreign Currency Note Purchase 1% of transaction amount minimum $10.00 Applies when you purchase foreign currency notes. The fee is charged at the time of transaction. Note: The Rock does not offer a foreign currency note repurchase service. Foreign Draft/Cheque Per draft $20.00 Applies when you request a cheque made out to an overseas payee in a foreign currency. This fee is charged when the draft is issued. Repurchase of Foreign Currency Documents Per cheque, draft or other instrument $10.00 Product Schedule Part C: Fees & Charges 15

Applies when you request us to purchase overseas drafts, personal cheques or negotiable instruments up to AUD $2,000 value. This fee is charged when the foreign currency documents are repurchased. Repurchase of Foreign Currency Documents on a Collection Basis Per cheque, draft or other instrument $55.00 Applies when you request us to purchase overseas drafts, personal cheques or negotiable instruments over AUD $2,000 and/or requiring collection prior to payment. This fee is charged when funds are returned from the overseas bank and credited to your account. Rock Cheque Destination Query per transaction Westpac fee + $20.00 admin fee This fee is charged when a personal cheque you have written has been presented and we perform a search at your request to ascertain the BSB and name of the person who cashed/deposited your cheque. Internet Payment Trace per trace $10.00 This fee is charged when you request us to trace where funds have been credited after you have made a transfer on Internet Banking. This is for both transfers to other Rock accounts and to other financial institutions. State Penalties Enforcement Fee per transaction $30.00 Charged when we receive a Regular Redirection of Debt or Redirection of Debt from the State Penalties Enforcement Registry. The Admin Fee is charged when we establish a Once Off Redirect of Debt and Regular Redirection of Debt. The $30.00 fee continues to be charged each month the Regular Redirection of Debt is in place. Inward Electronic Payment Reference Fee per transaction $8.00 This is known as a Redirect Fee. When an incoming payment is received with the incorrect account name or account number. This includes direct credits and debits. If we are able to ascertain which account should be debited or credited, we can redirect the credit/debit to the correct account. This fee is charged each time we receive the funds to the incorrect account number. Telegraphic Transfer Outbound (foreign currency) Per transfer $30.00 Applies when you request us to make a telegraphic transfer to another party in a foreign currency. This fee is charged at the time the transfer is requested. Product Schedule Part C: Fees & Charges 16

Telegraphic Transfer Outbound (Australian dollars) Per transfer $45.00 Applies when you request us to make an overseas telegraphic transfer to another party in Australian dollars. This fee is charged at the time the transfer is requested. Not available to all countries. Outward RTGS Payment per transaction $15.00 Real Time Gross Settlement, formerly known as TT (Telegraphic Transfer), via SWIFT electronic payment. This fee is charged when you require us to complete your transfer to another financial institution. Inward RTGS Payment per transaction $7.50 Real Time Gross Settlement, formerly known as TT (Telegraphic Transfer), via SWIFT electronic payment. This fee is charged when you receive a transfer from another financial institution. Company Search per search $25.00 This fee is charged where a company search is required in accordance with The Rock s account opening procedures. Audit Requests per request $20.00 This fee is charged when we receive a request from an Auditor (with your authorisation) to provide information on an account; such as balances, opening dates, interest rates etc. This fee is not applicable to Term Deposits. Manual Payroll Processing per transaction $2.00 per item (minimum $5.00) This fee is charged when you require us to manually process payroll transfers (internal and external) on your behalf. These are processed as standard transfers. Overdrawn Account Interest Everyday Account or Special esaver Account Deposit accounts without overdraft arrangements must have a credit balance. We are under no obligation to honour cheques, or allow any withdrawal that would overdraw an account without an approved overdraft facility. If we honour a cheque or debit which overdraws an account, the amount overdrawn (referred to as the credit provided) will attract debit interest charged to the account on the last day of the calendar Product Schedule Part C: Fees & Charges 17

month. This interest which will be charged to your account as Overdraft Interest is calculated on the daily closing debit balance using the current Unarranged Borrowing Rate. Please refer to our Interest Rates for Household and Personal Lending brochure available from any branch or by contacting the Customer Care Team for the current Unarranged Borrowing Rate. Any credit provided is short term credit and must be repaid within 7 days of being provided. In addition, Overdrawn Administration Fees will be applied (see Enforcement Expenses). Enforcement Expenses Everyday Account & Special esaver Account Arrears Administration Fee $15.00 # Overdrawn Administration Fee $15.00* # Other default notices $30.00 Demand notices $30.00 *Per daily occurrence, for any savings or transaction account (with or without an approved overdraft limit) where we honour a drawing that overdraws the account or exceeds the authorised overdraft limit. There may be other enforcement expenses that we may have to pay to Third Parties resulting from a breach of the account terms and conditions. These Third Party charges will be debited to your account. # Special esaver Account $30.00 To avoid this fee, make sure you have enough funds in your account at all times. Other specific fees and information Early withdrawals from fixed term deposits will result in interest of only 1.00% p.a. being earned on the funds withdrawn for the period the term deposit is current and a $40.00 break fee charged. Document searches, audit certificates and other non-branch transactions will be charged at $60.00 per hour, subject to a minimum fee of $30.00. Most fees are calculated monthly and debited to your account following the end of the month. One-off fees are debited to your account immediately at the time of the transaction. Fees charged by ATM providers other than The Rock will be debited immediately from your account. We are legally required to remit amounts demanded by SPER from your account/s. You can avoid this or future fees by either paying SPER Direct or setting up a Periodic Payment from your account. Product Schedule Part C: Fees & Charges 18

Section C Government Fees and Charges Government Fees and Charges, where applicable, will be charged at the actual cost to The Rock. Section D Tips on Minimising Fees and Charges Here are a few simple things you can do to minimise your fees: Try to use Internet and phone banking whenever you can, because it s free to check your balance or transfer money between your accounts. If you re paying for something with your Visa Debit card, choose the credit option. Even though it s your own money, selecting credit will mean you won t be charged a fee. paywave transactions are also fee free. If you re buying something using EFTPOS, get cash out at the same time. It only counts as one withdrawal, and it s a great way to reduce the total number of ATM transactions you make each month. Work out how much cash you ll need in the next week or so and withdraw that amount from the ATM. That way you can avoid making lots of little withdrawals and exceeding the maximum number of free transactions each month. Wherever possible, use rediatm, NAB or BOQ ATMs to avoid paying extra fees. If you have a number of different transaction accounts, you can avoid monthly account keeping fees by consolidating all your accounts into one account with a balance of at least $1,500. If deposits are being made into your account by cheque, see if you can arrange to have the money transferred electronically, so you can avoid paying cheque deposit fees. Plan ahead to make sure you have enough money in your account to cover any upcoming direct debits. That way you ll avoid paying electronic debit dishonour fees. Product Schedule Part C: Fees & Charges 19

How to contact The Rock 1800 806 645 therock.com.au Mail: The Rock PO Box 562 Rockhampton QLD 4700 Email: rock@therock.com.au The Rock - A division of MyState Bank Limited (MyState) ABN 89 067 729 195 AFSL 240896 Australian Credit Licence Number 240896 A wholly owned subsidiary of MyState Limited ABN 26 133 623 962 V4.5-1017 - ROKCOMP001