Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. Corporate and Purchasing Cards Conditions of Use

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1 Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. 1

2 Contents Welcome to your Westpac Flexi Loan 3 A range of repayment options 8 How Flexi Loan works 10 Frequently Asked Questions 12 2

3 Welcome to your Westpac Flexi Loan Congratulations on being approved for your Westpac Flexi Loan. This handy booklet gives you all the information you need to get the most from your Flexi Loan. Make withdrawals whenever you need to The beauty of a Flexi Loan is that you can access funds in your Flexi Loan account at any time. You don t have to submit separate applications for each amount you would like to withdraw. You can withdraw any amount up to your available credit limit providing your account is in good order 1. The advantage of a Flexi Loan is that, if your approved credit limit is more than you need at the time, simply withdraw only the amount you need. You ll then have further funds available to withdraw at a future date, should you need to 1. Alternatively, you can reduce the approved credit limit to the specific amount you need now so long as that amount is $4,000 or more. In either case, you only pay interest on what you have borrowed, not on the entire credit limit. Turn to page 10 for an example of how you can use your Flexi Loan. 3

4 A choice of flexible repayment options Because everyone s situation is different, you can make your Flexi Loan repayments in a way that suits you. When you make a withdrawal, you have the option to select a repayment goal. This is when you aim to repay the borrowed amount in a certain time between 1 and 5 years. Your repayments will then be made under what s called a Term Plan. Alternatively, you can decide the amount you want to repay each month depending on your budget, providing you meet the minimum monthly repayment in any month 2. These payments continue until your borrowed amount is paid off. We call this a Base Plan. For example: I m aiming to pay off my withdrawn amount in 4 years In this case, you would select a repayment goal ( Term Plan ) of 4 years. To help you achieve your repayment goal, we ll calculate the estimated monthly amount you ll need to repay. Term Plans are available on withdrawals of $500 or more. I don t want a repayment goal I m happy to pay what I can afford each month until my withdrawn amount is paid off If you d rather be more flexible with your repayments and not set a repayment goal, you can choose the amount you want to repay, providing you meet the minimum monthly repayment in any month. You ll then be making repayments as part of a Base Plan. Whichever method you choose ( Term Plan or Base Plan ) your repayments are flexible, giving you the option to change the amount you repay at any time, providing you meet the overall minimum monthly repayment 2. This means you can pay off your Flexi Loan outstanding balance sooner, or match your repayments to your budget whichever suits you best. 4

5 How to make a withdrawal 1. Decide how you would like to make your withdrawal (e.g. by bank cheque or by transfer into your Westpac Account). 2. Use Westpac Online or Westpac Telephone Banking #, call the Personal Lending Centre or visit your Westpac branch to request your withdrawal. 3. Tell us how much you would like to withdraw. 4. Select a repayment goal ( Term Plan ) if you wish. 5. To make your repayments hassle-free, set up or update a Direct Debit arrangement. Your withdrawal options You have a number of options to make withdrawals from your available credit limit. Westpac Flexi Loan accessing funds from your Flexi Loan Withdrawal Options via Transfer to your eligible Westpac Account (via electronic funds transfer) Transfer to a non Westpac Account (via electronic funds transfer) Transfer to a non Westpac Account (via local telegraphic transfer fees & charges may apply) Bank Cheque (fees and withdrawal limits may apply) Westpac Telephone Banking # Term Plan (min. $500 withdrawal) Set repayment goal Phone Personal Lending Centre Branch Westpac Online # Base Plan (no min. withdrawal amount) Set repayment goal No set repayment goal Westpac Telephone Banking # Phone Personal Lending Centre Branch * * * * Bpay * * * Balance Transfer Cash * * * Only available when funds are first transferred to your Westpac transaction, deposit or cheque account. # You must be registered for this service. Westpac Online # 5 6

6 How to make a withdrawal 7

7 A range of repayment options After deciding your repayment plan, you have a number of ways to make repayments. Which one suits you best? Via Direct Debit Direct Debit reduces the hassle of remembering to make monthly repayments. Once set up, and based on the repayments you ve chosen, this complimentary service automatically makes a monthly payment from any cheque or non-passbook savings account with any bank or financial institution in Australia. To set up a Direct Debit, call or download a form online at westpac.com.au Alternatively, if you register for Westpac Online, and are the sole account holder of the account to be debited, you can set up a Direct Debit online. Simply log into your Westpac Online Banking account, select Flexi Loan, go to the Maintain your Account tab and select Set up/modify Direct Debit. Once you ve set up your Direct Debit, you can always modify your arrangement at a later date if you wish. Via Westpac Online If you are registered with Westpac Online, you can make your Flexi Loan repayments via your Westpac account at westpac.com.au. To register for Westpac Online, call Via Westpac Telephone Banking You can instruct us to make your Flexi Loan repayment from your Westpac account by calling Corporate and Purchasing Cards Conditions Corporate and of Use Purchasing Cards Conditions of Use 8

8 Using Bpay You can transfer money directly from your cheque or savings account. When prompted, enter the Biller Code along with your account number. At any Westpac branch Simply visit one of our branches to pay by a number of methods: cash or cheque automatic transfer from any eligible Westpac account. Please note that when paying by cheque, the standard three day clearing time applies. 9

9 How Flexi Loan works $15,000 Flexi Loan Credit Limit Debt Consolidation Repayment Goal selected (1-5 years) Term Plan Nominated repayment amount Initial withdrawal $5,000 No Repayment Goal selected Repayment goals can be 1, 2, 3, 4 or 5 years. Holiday Term Plan Nominated repayment amount 2nd withdrawal $7,500 Repayment No Repayment Goal selected Goal selected (1-5 years) 3rd withdrawal Car Repair $2,000 Repayment No Repayment Goal selected Goal selected (1-5 years) Base Plan No time limit No nominated repayment amount Minimum monthly repayment In this example, Mike has been approved for a Flexi Loan credit limit of $15,000. He makes a withdrawal of $5,000 1 in order to consolidate his debts. As Mike is aiming to repay the $5,000 within a certain period of time, he chooses to set a repayment goal ( Term Plan ). At the time of making the withdrawal, Mike is advised the estimated monthly repayment amount required to help him achieve his repayment goal. 2 After a while, Mike decides to go on holiday, which will cost $7,500. He wants to pay for the holiday using his Flexi Loan. No problem. There s no need to reapply; he simply withdraws from the available funds in his Flexi Loan account 1. Again, he chooses to set a repayment goal ( Term Plan ). On returning from holiday, Mike needs some repairs made to his car. Again, no need for a lengthy application, he simply withdraws the $2,000 1 needed. This time, Mike decides not to choose a repayment goal. He aims to make whatever repayments he can over and above the minimum monthly repayment required. On his monthly statement, Mike can clearly see how much he needs to pay to meet his repayment goals. He can also see the overall minimum monthly repayment 3 he needs to make so that he does not incur a missed payment fee

10 Frequently Asked Questions 1. What if I pay more or less than the Nominated Repayment Amount(s) for my Term Plan(s)? If you pay more than the Nominated Repayment Amount(s) you may reach your repayment goal(s) sooner. If you pay less than, or skip, any Nominated Repayment Amount you may not reach your repayment goal(s). If any repayment you make does not meet the required minimum monthly repayment, you may incur a missed payment fee and other charges. 2. Do fees apply if I repay a Term Plan earlier than the specified repayment goal? No. There is no early repayment or exit fee on the Westpac Flexi Loan. 3. What happens if I have chosen a repayment goal ( Term Plan ) and do not repay the balance in the nominated time period? Any residual balance will transfer into the Base Plan. 4. What is the minimum amount I need to pay each month to avoid incurring a missed payment fee? You will not incur a missed payment fee providing that you pay the minimum monthly payment Once I pay off part of my Flexi Loan outstanding balance, can I withdraw more? Yes, providing your account is in good standing order, you can make subsequent withdrawals up to your available credit limit. Your withdrawal may need to be authorised. 12

11 6. Can I use my Flexi Loan for a Balance Transfer? Yes, you can request to transfer a balance from an existing credit card(s), charge card(s), or store card(s) to your Flexi Loan. For more details, or to request a balance transfer, visit westpac.com.au/flexiloan 7. Will my Flexi Loan close once I pay off any outstanding balance? No, your Flexi Loan account remains open so that you can make subsequent withdrawals should you wish to. If you wish to close your Flexi Loan account just contact us and we ll arrange it for you. 8. Does a monthly service fee still apply if my Flexi Loan account has no outstanding balance? No, the monthly service fee only applies if you have an outstanding balance. 9. Do I pay interest on my available credit amount? No you do not pay interest on your available credit amount. 10. What happens if I have more questions about my Flexi Loan? Just visit your local Westpac branch, call our Personal Lending Centre on (Mon- Fri 8am 9pm, Sat-Sun 9am 6pm AEST) or visit: westpac.com.au/flexiloan For more information about Westpac Flexi Loan, Call or Visit westpac.com.au/flexiloan 13

12 Things you should know: 1. Withdrawals may need authorisation. 2. This estimate does not take into account any fees and charges (for example Missed Payment Fee) which may be incurred in the course of the Term Plan. 3. Minimum monthly repayment is 2% of the closing monthly unpaid balance or $10, whichever is the greater, plus the greater of any unpaid past due amounts from previous statement and any amount that exceeds your Flexi Loan credit limit. You can assign a repayment goal to any withdrawal amount over $500. Information current at July Bpay and Bpay View are trademarks of Bpay Pty Ltd ABN Westpac Banking Corporation, ABN , AFSL ACL ESH100 (07/11)

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