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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1 S This document is prt of the Terms nd Conditions for Personl Bnk Accounts Issued y Auswide Bnk Ltd ABN /Austrlin Finncil Services & Austrlin Credit Licence Effective from Jnury P F E W uswidenk.com.u Visit your nerest rnch see our wesite for detils Brolin St, PO Bo 1063 Bunderg Queenslnd 4670 ABMK42/0116

2 Terms nd Conditions Our Terms nd Conditions contin importnt informtion on Auswide Bnk Ltd s ccounts nd nking services for customers choosing personl nk 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 efore mking decision to open n ccount with us, cquire ny nking services or mke ny trnsctions. This informtion hs een designed to effectively help you: decide if our ccounts nd nking services meet your needs compre ll the fetures, terms, conditions, fees nd chrges of our ccounts nd nking services with those of others In issuing these Terms nd Conditions Auswide Bnk ( we / our / us ) hsn t considered your prticulr personl ojectives, finncil sitution or needs, so it s possile 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 y 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 out our current Terms nd Conditions y: tlking to one of our helpful consultnts t ny rnch or phone looking online t S Wht Best Suits Your Needs nd Gols Our personl nk ccounts rnge hs een designed so ll our customers cn enjoy the est ccounts nd nking services for their lifestyle! Reding this guide together with Fees nd Chrges should help you decide wht suits you est. If unsure plese tlk to our friendly service stff out 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 Vis Deit SAVINGS ACCOUNTS Ziggy Kids Sver Bonus Plus Sver Christms Sver Home Deposit Sver Online Sver for pensioners where you cn ern interest tking into considertion deeming rtes. to fcilitte Vis Deit Crd for online nd overses purchses for kids ged 0-12 where you cn e rewrded with etr interest where you cn e rewrded with etr monthly interest specilly designed to sve for Christms to help you sve towrds deposit for home lon n online sving ccount (linked to n Everydy Access ccount) S * the free enefits pply to most trnsctions nd nking services INVESTMENT ACCOUNTS Csh Mngement for dily trnscting tht pys more interest when you mintin higher minimum lnce We lso provide rnge of term deposits, trnsction ccounts for usiness, 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 Deit 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 Deit S29 Ziggy Kids Sver S32 Bonus Plus Sver S14 Christms Sver S4 Home Deposit Sver S24 Online Sver S27 personl (P) or usiness (B) use P P P P/B P P P P P P pssook ccount option sttement ccount option ccount service fee clered funds on-cll interest pyment structure interest clculted tiered - rte pplies to ech prt of lnce rte pplies to whole of lnce tiered - rte pplies to ech prt of lnce n/ n/ tiered - rte pplies to ech prt of lnce tiered - rte pplies to ech prt of lnce rte pplies to whole of lnce tiered - rte pplies to ech prt of lnce tiered rte pplies to when tier reched Csh Mngement S9 tiered rte pplies to whole lnce when tier reched interest pid n/ n/ qurterly n/ monthly monthly yerly-nov 30 monthly monthly monthly minimum opening lnce NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL minimum lnce to e retined NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL rnch ccess nk cheques cheque ook telephone nking internet nd moile nking (including BPAY View ) Vis Deit Crd (ccess ATM s, EFTPOS, BPAY to py ills direct credits (your incoming wges, pension etc) direct deits (your pyments to other finncil institutions/orgnistions) electronic trnsfers to other Auswide Bnk ccounts electronic trnsfers to n eternl nk ccount RTGS sme dy pyment to n eternl nk ccount uto-sweep fcility su-ccounts ccount lel (eg. holidy, cr etc) For detils of ccount service fees nd wivers refer to Personl Bnk Accounts Fees nd Chrges. S2 is no longer ville for new ccounts from 24 My If you hve n S2 ccount you should now refer to the S1 Everydy * Choice for your current pplicle ccount terms, conditions, fees nd chrges etc. ~ Vis Deit Crd llows ccess to Austrlin nd overses ATM s nd EFTPOS, purchses y 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 rings, so withdrwls of svings nd interest re limited to the period Decemer 1 to Jnury 31 The purpose of the Home Deposit Sver is to nurture disciplined sving hits in preprtion for tking on the finncil responsiilities of home ownership, so outwrd trnsfers/withdrwl of prtil or the requires 3 dys notice Telephone Bnking: ccount lnce or trnsction enquiry no trnsfer to other Auswide Bnk ccounts under the sme client numer no BPAY Internet nd Moile Bnking: ccount lnce or trnsction enquiry nd trnsfer from n eternl ccount refer r nk no other eternl pyments no trnsfer to other Auswide Bnk ccounts under the sme client numer no BPAY The Online Sver is designed for net svvy svers so is limited to online mngement - linked to n Everydy Access ccount. ~ ~ ~ ~ ~ no rnch withdrwls, deposits or trnsfers (ccount my e opened/closed t rnch nd trnsfer is llowed upon closure.) Telephone Bnking: trnsfer funds r Everydy Access trnsfer funds inr Online Sver from nother Auswide Bnk ccount under the sme client numer no BPAY Internet nd Moile Bnking: one off trnsfers r Everydy Access one off or regulr trnsfers inr Online Sver from nother Auswide Bnk ccount under the sme client numer ccount lnce or trnsction enquiry no future-dted or regulr eternl (outwrd) pyments no BPAY (BPAY View is ville) no other eternl pyments Sttements of your Online Sver re issued 6-monthly on Jnury 1 nd July 1. An ccount service fee pplies to the Everydy Access ccount to which the Online Sver is linked to. If there re indequte funds in the Everydy Access to cover its ccount service fee, this fee my e recovered from the Online Sver ccount. Cheque pyment services re ville y rrngement with Westpc Bnking Corportion ABN # New or replcement Cshcrds no longer ville. 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 nking needs Telephone, internet nd moile nking (including smrtphone pp) ccess Vis Deit Crd ccess to Austrlin nd Overses ATM s, EFTPOS nd purchses y mil, phone or internet Brnch nd ccess Electronic pyments, BPAY, direct crediting, cheque ook etc Pssook or sttement ccount option No minimum opening lnce or lnce to e retined No ccount service fee if dily ccount lnce is mintined t $1,000 or more Aville for personl use usinesses, compnies, ody corporte, supernnution funds, fmily trusts, clus nd non-profit orgnistions re not eligile ccess to Austrlin nd overses ATM s nd EFTPOS + retil purchses in stores, y mil, phone or internet no interest is pid on funds held in this ccount this type of ccount my not suit the prticulr ojectives finncil sitution or needs tht re unique. Everydy Access Account An on-cll trnsction ccount for your everydy nking needs Free use of Auswide Bnk nd Westpc rnded ATM s, Austrlin EFTPOS, BPAY, rnch csh withdrwls nd trnsfers, personl cheques nd direct deit withdrwls in return for flt monthly ccount service fee (wivers pply) Telephone, internet nd moile nking (including smrtphone pp) ccess Vis Deit Crd llows ccess to Austrlin nd Overses ATM s EFTPOS nd purchses y mil, phone or internet Pssook or sttement ccount option Bnking Services Electronic pyments, BPy, direct crediting, cheque ook etc Brnch nd ccess No minimum opening lnce or lnce to e retined Aville for personl use usinesses, compnies, ody corporte, supernnution funds, fmily trusts, clus nd non-profit orgnistions re not eligile no interest is pid on funds held in this ccount this type of ccount my not suit the prticulr ojectives finncil sitution or needs tht re unique. FEES AND CHARGES for the fees nd chrges pplicle to ll our personl ccounts nd their relted nking services, refer to Personl Bnk Accounts Fees nd Chrges CONDITIONS FOR USE OF OUR BANKING SERVICES for terms nd conditions on nking services used in conjunction with ll our personl ccounts, refer to the Guide to Bnking Services Everydy Pension Account An on cll trnsction ccount which pys interest in light of the minimum single pension ssessment rtes s dopted y the Federl Government nd set from time to time Specificlly designed for pensioners No ccount service fee or withdrwl fees t Auswide nk rnches or Auswide Bnk nd Westpc rnded ATM s Telephone, internet nd moile nking (including smrtphone pp) ccess Vis Deit Crd llows ccess to Austrlin nd Overses ATM s, EFTPOS nd purchses y mil, phone or internet Brnch nd ccess Electronic pyments, BPAY, direct crediting, cheque ook etc Pssook or sttement ccount option No minimum opening lnce or lnce to e retined interest is clculted on the dily opening lnce t the tiered rte of interest tht pplies to ech prt of your ccount lnce - the following formul is used: Tier 1 up to $2,000 % Tier 2 over $2,000- up to$48,000 % Tier 3 over $48,000 c% mount of lnce in tier 1 mount of lnce in tier 2 mount of lnce 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 ville y contcting Auswide Bnk Federl Government deeming ssessment rtes for the single pension re tken into considertion when setting (ut my not mtch) Auswide Bnk s tiered interest rtes on ccount. Auswide Bnk reserves the right to chnge this policy t ny time without notice this type of ccount my not suit the prticulr ojectives, finncil sitution or needs tht re unique c = X = Y * S2 is no longer ville for new ccounts from 24 My If you hve n S2 ccount you should now refer to the S1 Everydy Choice for your current pplicle 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 y Federl Government. # New or replcement Cshcrds no longer ville. P 4

5 TRANSACTION ACCOUNTS Vis Deit Account A trnsction ccount designed to fcilitte use of Auswide Bnk s Vis Deit Crd crd which provides you ccess r funds oth in Austrli nd overses vi ATM s nd EFTPOS nd when mking purchses t retil stores, online or y mil or telephone Terms nd conditions pply to the use of n Auswide Bnk Vis Deit Crd nd re contined in the Guide to Bnking Services This ccount is ville for personl or usiness 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 Deit ccount cn e opened s your stndlone ccount, however n ccount service fee will pply Vis Deit Crd llows ccess to Austrlin nd Overses ATM s, EFTPOS nd purchses in stores, y mil, phone or internet Limited nking services re ville s the ccount is primrily imed t fcilitting Vis Deit Crd trnsction A monthly Vis Deit Crd ccess fee nd trnsction fees pply No minimum opening lnce or lnce to e retined No pssook however free monthly ccount sttements will e issued. no interest is pid on funds held in this ccount Vis Deit ccountholders must hold n ctive qulifying ccount nd e 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 ojectives, finncil sitution or needs tht re unique or tht you my incur the ccount service fee if you close our primry ccount nking services on this ccount re primrily limited to Vis Deit Crd trnsctions, this type of ccount my not suit the prticulr ojectives, 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 e closed nd funds trnsferred to Bonus Plus Sver ccount with n Everydy Access ccount lso opened (together the two ccounts provide oth svings nd everydy trnscting nking services) my e opened in child s nme or s n ccount held in trust for child no ccount service fee no pssook - free monthly sttements ville upon request deposit ook is ville to record deposits nd lnce updtes rnch ccess telephone, internet nd moile nking ccess ville to signtories such s prents minimum opening lnce - nil minimum lnce to e retined - nil interest is clculted on the dily opening lnce t the tiered rte of interest tht pplies to ech prt of your ccount lnce - the following formul is used: Tier 1 up to $4, % mount of lnce in tier 1 W + X = the mount of interest you ll ccrue dily in your Ziggy Kids Sver ccount if the conditions elow hve een met, monthly onus rte will pply - the following formul is used Tier 1 up to $4, % mount of lnce in tier 2 lnce in tier 1 lnce in tier 2 + monthly onus of c% + monthly onus of d% = W = X = Y Y + Z = the mount of interest, including your monthly onus, you ll ccrue dily in your Ziggy Kids Sver ccount to ern the onus 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, deit trnsfers or electronic deits from the ccount interest is credited t the end of ech clendr month current interest rtes ville y contcting Auswide Bnk interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice. The interest rte my e set t 0% p.. This type of ccount my not suit the prticulr ojectives, finncil sitution or needs tht re unique Upon opening this ccount you will e required to provide evidence of the child s dte of irth. P 5

6 SAVINGS ACCOUNTS Bonus Plus Sver Account n on cll svings ccount which rewrds you with onus rte when you sve pssook or sttement ccount option rnch nd cheque ook ccess telephone, internet nd moile nking ccess minimum opening lnce - nil minimum lnce to e retined - nil no ccount service fee ville for personl use - usinesses, compnies, ody corporte, supernnution funds, fmily trusts, clus nd non-profit orgnistions re not eligile interest is clculted on the dily opening lnce t the tiered rte of interest tht pplies to ech prt of your ccount lnce - the following formul is used: Tier 1 up to $4, % W + X = the mount of interest you ll ccrue dily in your Bonus Plus Sver ccount if the conditions elow hve een met, monthly onus rte will pply - the following formul is used: Tier 1 up to $4, % mount of lnce in tier 1 mount of lnce in tier 2 lnce in tier 1 lnce in tier 1 Y + Z = the mount of interest, including your monthly onus, you ll ccrue dily in your Bonus Plus Sver ccount to ern the onus 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, deit trnsfers or electronic deits from the ccount interest is credited t the end of ech clendr month current interest rtes ville y contcting Auswide Bnk interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice. The interest rte my e set t 0% p.. this type of ccount my not suit the prticulr ojectives, finncil sitution or needs tht re unique + monthly onus of C% + monthly onus of C% = W = X = Y Christms Sver Account svings ccount specilly designed to stockpile your svings for presents, celertions nd trvel during the festive seson pssook or sttement ccount option deposits (no withdrwls) rnch ccess telephone, internet nd moile nking ccess minimum opening lnce - nil no ccount service fee interest is clculted on the dily opening full lnce of your ccount - the following formul is used: dily lnce interest rte Z = the mount of interest you ll ccrue dily in your Christms Sver ccount the svings period opens on Decemer 1 nd closes on Novemer 30 of the following yer. the interest rte is set nnully on Decemer 1 ech yer for the ensuing svings period. The current interest rte/s cn e otined y contcting us. interest is clculted on opening dily held in the ccount during the svings period. ccrued interest is pid on Novemer 30 ech yer nd t closure. the withdrwl period opens on Decemer 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 e undertken y our stff reduction of the lnce to nil y customer-initited trnsction does not constitute closure of the ccount. withdrwls re not ville etween Ferury 1 nd Novemer 30. Should you require ccess to funds during this period the ccount will e closed nd lower rte of interest will e pid. The lower interest rte my e set t 0%. The current rte of interest rte pid on ccount closure during this period cn e otined y contcting us. interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice. The interest rte my e set t 0% p.. should you wish to withdrw funds from this ccount prior to 1 Decemer ech yer, you will e required to close the ccount with reduced rte of interest this type of ccount my not suit the prticulr ojectives, 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 ville for personl use - open to ll persons sving for home lon deposit withdrwls re restricted nd cn e mde y electronic trnsfer r nominted pyee fter 3 dys notice to Auswide Bnk in writing - there re lso no withdrwls vi rnch, crd, cheque or online to help you chieve your svings gol limited nking services re ville s the principl im is to fcilitte regulr svings no ccount service fee no pssook - free 6-monthly sttements will e sent nd internet nking ccount lnce enquiry is lso ville immeditely prior to pplying for selected Auswide Bnk home lon, if you: hve finl closing ccount lnce of $5,000 or more; nd hve erned the onus svings interest for the prior 6 months (see conditions elow); you ll e entitled to wivers of the Auswide Bnk home lon ppliction fee or the first yer of the Auswide Bnk pckge fee on ny pplicle nking pckge interest is clculted on the dily opening lnce t the tiered rte of interest tht pplies to ech prt of your ccount lnce - the following formul is used: interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice. The interest rte my e set t 0% p.. this is specilised svings ccount where the fee wivers will e otined if you pply, nd re susequently pproved for selected Auswide Bnk home lon fter meeting the prescried svings history terms nd conditions y opening this ccount Auswide Bnk does not gurntee tht you will e pproved for home lon y us or nother lender - ll credit pprovls re still suject to our credit criteri including terms nd conditions nd pyment of fees nd chrges interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice ccessing of ny deposited funds requires 3 dys notice this type of ccount my not suit your unique current or future ojectives, finncil sitution or needs Tier 1 up to $4, % mount of lnce in tier 1 = W mount of lnce in tier 2 = X W + X = the mount of interest you ll ccrue dily in your Home Deposit Sver ccount if the conditions elow hve een met, monthly onus rte will pply - the following formul is used: Tier 1 up to $4, % lnce in tier 1 lnce in tier 2 Y + Z = the mount of interest, including your monthly onus, you ll ccrue dily in your Home Deposit Sver ccount to ern the onus 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, deit trnsfers or electronic deits from the ccount interest is credited t the end of ech clendr month current interest rtes ville y contcting Auswide Bnk + monthly onus of c% + monthly onus of d% = Y The fee wiver will pply to the Home Lon Plus nd ny pplicle nking 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 ville to Everydy Access ccountholders no ccount service fee or trnsction fees no minimum opening lnce or lnce to e retined online mngement - no rnch trnsctions nd limited nking services ccount credits cn e mde ny time through electronic trnsfers or direct credits ccount deits cn e mde ny time y using internet, moile or telephone nking to electroniclly trnsfer funds r Auswide Everydy Access ccount free ccount sttements re limited to 6-monthly s trnsction listings cn e ccessed through internet nking t ny time ville for personl use - usinesses, compnies, ody corporte, supernnution funds, fmily trusts, clus nd non-profit orgnistions re not eligile interest is clculted for the t the rte of interest tht pplies r full dily ccount lnce - the following formul is used: up to $1, % over $1, % Z = the mount of interest you ll ccrue dily in your Online Sver ccount if the conditions elow hve een met, monthly onus rte will pply - the following formul is interest is credited t the end of ech clendr month current interest rtes ville y contcting Auswide Bnk interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice. The interest rte my e set t 0% p.. nking services nd ccess methods to funds in this ccount re essentilly limited to internl electronic trnsfers conducted through telephone, internet or moile nking - ccountholders should red Terms nd Conditions for Telephone Internet nd Moile Bnking contined in the Guide to Bnking Services ccountholders must hold n ctive Auswide Bnk Everydy Access ccount - so there is risk tht this trnsction ccount my not suit the prticulr ojectives, finncil sitution or needs tht re unique this type of online svings ccount my not suit the prticulr ojectives, 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 lnce is mintined t $5,000 or more Reduced trnsction fees if minimum lnce of $20,000 is mintined t ll times Telephone, internet nd moile nking (including smrtphone pp) ccess Brnch nd ccess Electronic pyments, BPAY, direct crediting, cheque ook etc Vis Deit Crd llows ccess to Austrlin nd Overses ATM s EFTPOS + retil purchses in stores, y mil, phone or internet Pssook or sttement ccount option No minimum opening lnce or lnce to e retined Aville for personl use usinesses, compnies, ody corporte, supernnution funds, fmily trusts, clus nd non-profit orgnistions re not eligile. interest is clculted for the t the rte of interest tht pplies r full dily ccount lnce - the following formul is used: up to $4, % over $4, up to $19, % 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% Z = the mount of interest you ll ccrue dily in your Csh Mngement ccount interest rtes pplicle to this ccount re determined y Auswide Bnk nd suject to chnge without notice. The interest rte my e set t 0% p.. this type of ccount my not suit the prticulr ojectives, finncil sitution or needs tht re unique c d e f g The two ccounts must e under the sme client numer - refer to pge 3 nd 4 for detils of the Everydy Access ccount. P 8

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