Business Transaction and Investment Accounts

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1 Business Transaction and Investment Accounts Terms and Conditions Everyday Business Account Business Management Account Business WebSavings Account Premier Investment Account Farm Management Deposit Accounts Trust Accounts BOQ Superannuation Savings Account Easy Investment Account (no longer for sale) Unlimited Business Account (no longer for sale) Business Cheque Account (no longer for sale) Business Investment Account (no longer for sale) Account Access using a Business Visa Debit Card This document must be read in conjunction with the Business Banking Guide to Fees and Charges, Business Deposits Interest Rates and Electronic Banking Terms and Conditions (if applicable). Together they form your terms and conditions for these products. March 2014 G478 03/14 1

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3 CONTENTS CONTENTS CONTENTS 1. INTRODUCTION 3 1. INTRODUCTION 1.1 Welcome to BOQ INTRODUCTION How does this document affect you? Need Welcome to know to BOQ more? How does this document affect you? Welcome to BOQ ACCOUNTS Need to know more? 3 How does this document affect you? ACCOUNTS Need to know more? Types of Accounts 2. ACCOUNTS Types of Accounts Types of Accounts Interest rates Interest rates When we can operate on your Account Our Interest right rates to combine Accounts PAYMENT SERVICES Closing Accounts Automatic reinvestment of Fixed Term Investment Accounts PAYMENT SERVICES PAYMENT SERVICES ATMs ATMs ATMs Transfer orders (periodical payments) Mail deposits Transfer orders (periodical payments) Bank Mail deposits Transfer drafts orders (periodical payments) Mail deposits Bank drafts Bank drafts

4 4. INFORMATION ABOUT ELECTRONIC ACCESS METHODS INFORMATION ABOUT ELECTRONIC ACCESS METHODS GENERAL TERMS AND CONDITIONS GENERAL TERMS AND CONDITIONS GENERAL INFORMATION GENERAL INFORMATION epayments code DEFINITIONS 7 7. DEFINITIONS

5 Addendum to Business Transaction and Investment Account Terms and Conditions This addendum dated 1 September 2015 amends and supplements the Business Transaction and Investment Accounts Terms and Conditions dated March 2014, and must be read together with that document. Unless otherwise noted, terms defined in the Business Transaction and Investment Accounts Terms and Conditions have the same meaning in this addendum. The following changes are effective 1 September 2015: 2.9 Operating your Account Section 2.9 (a) Account Information paragraph 3 has been deleted and replaced with the following: We will give you a statement, showing all Account transactions since the last Account statement, at least every month for Transaction Accounts and at least every six months for Investment Accounts, unless you request otherwise. You can request that statements be provided to you more or less frequently, but there may be a fee for these more frequent statements. If your Account is a Premier Investment Account, Farm Management Deposit Account or Easy Investment Account, you can request that statements be provided less frequently, either every twelve months or at the end of term, if your term is between six and twelve months. The following changes are effective 1 June 2015: Section 2.4 Summary of Trust Account features and benefits The WA Tenancy Bond is deleted from the Summary of Trust Account features and benefits table, as this product is no longer available for sale. Section 2.7 Opening an Account (e) Documents we need The WA Tenancy Bond Account is deleted from the Documents required table, as this product is no longer available for sale. The following changes are effective 25 May 2015: 2.9 Operating your Account Section 2.9 (e) When your credit rating could be affected section has been updated to remove the following dot point: details of cheques drawn by you (for amounts of $150 or more) which have been dishonoured more than once; 3.5 Cheques Section 3.5 (c) Risks paragraph 6 has been removed and replaced with the following: If a cheque is unpaid or dishonoured, we will not pay the cheque. The person to whom you have given the cheque will be told by their bank that the cheque has been dishonoured. We will charge a fee when a cheque is dishonoured. Section 3.5 (d) (xii) Cheques returned unpaid or dishonoured has been updated with the following: Heading has been removed and replaced with new heading: (d) (xii) Cheques unpaid or dishonoured Paragraph 2 is deleted and replaced with the following: If we dishonour a cheque, we will not pay the cheque and a fee will be charged. The following changes are effective from 1 January 2015: Section 2.3 Summary of Investment Account features and benefits: Premier Investment Account Features and benefits table The minimum and maximum term of 1 month to 5 years is deleted and replaced with a minimum and maximum term of 1 month up to 5 years. New disclaimer has been added for Funds can be used as loan security to note the following:

6 Different interest rates may apply when Premier Investment Account is used in conjunction with trade finance facilities or as loan security. Section 2.3 Summary of Investment Account features and benefits: Farm Management Deposit Features and benefits table The information for the below features and benefits is deleted and updated with the following: Farm Management Deposit Farm Management Deposit (At-Call) (Fixed Term) Interest paid to another All interest must be redirected to All interest must be redirected to account another account either with BOQ another BOQ account or another financial institution 1 month up to 5 years Minimum and maximum term (subject to conditions) (subject to conditions) Additional deposits allowed During the renewal grace period only Regular statement issued The following information is added to the features and benefits table: Farm Management Deposit (At-Call) Minimum additional deposit $1,000 $1,000 Minimum withdrawal amount $1,000 $1,000 Funds can be used as loan security Farm Management Deposit (Fixed Term) Section 2.3 Summary of Investment Account: Special Farm Management Deposit Terms and Conditions The Eligibility section is updated to include the following sentence at the beginning of the paragraph: You must be a Primary Producer with a taxable non-primary production income of $100,000 or less at the time of making a deposit to your Farm Management Deposit Account. The Deposits section is updated to include a new paragraph 3 as follows: Each deposit to the FMD Account must be held in the FMD Account for at least 12 months to qualify as a farm management deposit in terms of the FMD laws. The Interest section is deleted and replaced with the following: Interest on your Farm Management Deposit Account must be credited to your nominated account. For Farm Management Deposits (at-call) this will be the same General Account that you hold with BOQ for the purpose of debiting Farm Management Deposit Account fees and charges. For Farm Management Deposits (fixed) you may nominate an account either with BOQ or another Financial Institution for the purpose of interest redirection. Interest can be reinvested to your Farm Management Deposit Account after it has been paid to your nominated account that is not a Farm Management Deposit Account. The Withdrawals section is updated as follows: Paragraph 1 is deleted in its entirety. Paragraph 2 is amended by deleting the first sentence and replacing it as follows: You may withdraw from the FMD Account at any time but from 1 January 2015, you must give us 31 days prior notice if you want to close your Fixed Term Farm Management Deposit Account outside of the renewal grace period, unless a financial hardship situation applies. Paragraph 2 is further amended by deleting the first bullet point in exceptional circumstances, and the deposit was made before the declaration of exceptional circumstances; or Paragraph 2 is further amended by re-formatting the second last bullet point to clarify that it is at the request of the owner. Section 2.4 Summary of Trust Account features and benefits The eligibility criteria disclosed for QLD Solicitor Trust, QLD PAMD Trust is deleted and replaced with the following: Customers who meet the requirements under the Trust Accounts Act 1973 (QLD), Legal Profession Act, or Property Occupations Act 2014, Agents Financial Administration Act 2014, and Motor Dealers and Chattel Auctioneers Act The below features disclosed for NSW Solicitor Trust, NSW Agents Trust is deleted and replaced with the following: Transfer orders able to be deducted from account Excluding NSW Agents Trust Direct debits (withdrawals permitted) * * Direct debits (withdrawals) to your NSW Agents Trust Account are only permitted by cheque or electronic funds transfers processed via internet or mobile banking.

7 Section 2.7 (e) Documents we need The second row in the Statutory Trust Account Documents required table is deleted and replaced with the following. ACT Agents Trust Account NSW Agents Trust Account VIC Agents Trust Account A copy of your Agent s licence. Written notification that the account is required under the applicable State/Territory Legislation. There is a prescribed form of notice in VIC and NSW, which can be obtained from the applicable State authority. For NSW Agents effective from 1 January 2015 to be eligible to open and maintain a Trust Account you must provide BOQ with a unique identifying number, via the prescribed form of notice provided by the NSW Office of Fair Trading. Licensees who currently hold NSW Agents Statutory Trust Accounts have a grace period until 30 June 2015 to comply and provide a unique identifying number for their NSW Agents Trust Account to BOQ. All other content in this table remains unchanged. Section 2.11 Interest Rates Section has been amended with the existing Interest rates disclosure deleted and replaced with the following: We can change interest rates on Accounts at any time. Fixed Term Investment Account interest rates will apply to new or renewed deposits, or when a deposit or withdrawal has been made on the Account. We may apply different interest rate to Fixed Term Investment Accounts that are used in conjunction with trade finance facilities or as loan or lease security. New second paragraph is inserted as follows: Fixed Term Investment Account special interest rates We may offer special interest rates for selected terms on Fixed Term Investment Accounts for limited times. Such special interest rates will apply for the applicable term only and when your Account automatically rolls over, the funds will automatically invest in a Fixed Term Investment Account for the same term length however, it may be re-invested at a lower rate. In addition, as interest rates may vary over time, we encourage you to contact us before your Fixed Term Investment Account matures to discuss the interest rates that are available to you. It is important to note that interest rates will change and you are unlikely to receive the same interest rate on your Fixed Term Investment Account from one term to the next term. Section 2.11 (b) (ii) Premier Investment Account additional deposits Section has been updated by amending the heading to read Premier Investment Account and Fixed Term Farm Management Deposit additional deposits and by removal of 5 days and replaced with 7 days. Section 2.11 (b) (ii) Premier Investment Account withdrawals during the renewal grace period Section heading has been amended to read as follows: Premier Investment Account and Fixed Term Farm Management Deposit withdrawals during the renewal grace period. First sentence of paragraph 1 is deleted and replaced with the following: We will allow you to make withdrawals from your Premier Investment Account within 7 days from the renewal date (during the renewal grace period) provided that your Premier Investment Account is not used as security for your loan agreement with us or as security for your lease. Section 2.11 (b) (ii) Premier Investment Account - withdrawals outside of the renewal grace period Section heading has been amended to read as follows: Premier Investment Account and Fixed Term Farm Management Deposit withdrawals outside of the renewal grace period Paragraph 1 has been removed and replaced with the following: Withdrawals cannot be made from Accounts outside of the renewal grace period unless you close your Account and withdraw all of your funds. From 1 January 2015, you must give us 31 days prior notice if you want to close your Premier Investment Account and/or Fixed Term Farm Management Deposit Account outside of the renewal grace period, unless you are in a financial hardship situation or your Premier Investment Account is used as security for your loan agreement with us or as security for your lease. The first day of the notice period is the day that we receive your notice of early withdrawal. You will be asked to provide us with your instructions for the disbursement of the funds from your Premier Investment Account and/or Fixed Term Farm Management Deposit Account at the time that you give us your 31 days notice of early withdrawal. The funds will be automatically disbursed to the Account that you have nominated 32 days after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next business day. If you do not provide sufficient details of a bank account to enable us to disburse your funds to that account, we will attempt to contact you. If we are unable to contact you, we will send a bank

8 cheque made payable to you for the principal and interest (as adjusted for early withdrawal) less any early pay out fee and bank cheque fee, to the last known address that we have recorded for you. If you are in financial hardship, you must provide evidence of such financial hardship and meet our criteria for verifying financial hardship. If your Premier Investment Account is used as security for your loan agreement or your lease, then you may close your Account and withdraw all of your funds without providing 31 days prior notice but you will need to have satisfied the criteria for release of the security over this Account. An early payout fee and an interest rate adjustment will apply to your account if you close it before the maturity date. Section 2.11 (b) (ii) Example of how the interest adjustment will apply on a withdrawal outside of the renewal grace period Working example has been deleted and replaced with the following: On 1 July, a Premier Investment Account with a balance of $50,000 renews for a term of 90 days at an interest rate of 3.30% p.a. On 1 September (after the renewal grace period has expired and following receipt of 31 days notice) the Account is closed and the $50,000 withdrawn from the Account. The interest rate applied to the withdrawn amount for the 62 days the funds were in the Account will be 50% of 3.00% p.a. (the rate current on the renewal date (1 July) for $50,000 for 62 days). Total interest earned: $50,000 x ((3.00% x 50%)/365) x 62 days =$ New Section inserted as follows: Section 2.11 (b) (ii) Premier Investment Account and Fixed Term Farm Management Deposit - change or cancellation of withdrawals outside of the renewal grace period You may change or cancel your request to close your Account and withdraw all your funds at any time up to 5:00pm (Brisbane time) three (3) Business Days prior to the date the funds will be disbursed by calling us or by attending any one of our branches. If you cancel your instructions to close your Account, then your funds will continue in the same Account until the maturity date without any interest rate adjustment, unless you later issue another early withdrawal notice, giving 31 days notice. New Section inserted as follows: Section 2.11 (b) (ii) Premier Investment Account change to security status and withdrawals outside of the renewal grace period If your Premier Investment Account is used as security for your loan agreement with us or as security for your lease and during the term of your Account, that security is then released, then from the next maturity date for your Account, you will need to give us 31 days prior notice if you want to withdraw funds and close your Account outside of the renewal grace period, unless you are in a financial hardship situation or your Premier Investment Account is again being used as security for your loan agreement with us or as security for your lease. Section 2.12(b) Unclaimed money Section updated as follows: First Dot Point: or Farm Management Deposit Account fixed term is deleted; Second Dot Point: amended by insertion of or at the end; New Third Dot Point is inserted as follows: Farm Management Deposit ceases to be a Farm Management Deposit, for example in the event of your death, and has not been transacted on by way of deposit or a withdrawal, excluding any bank charges or interest, for 3 years or more, Section 2.13 When we can operate on your Account Section has been amended with the second sentence of the first paragraph deleted and replaced with the following: For example, we may make drawings on Your Account to pay ourselves interest, fees and charges, or if required by law, e.g. under the Financial Claims Scheme. All other Account terms and conditions remain as set out in the Business Transaction and Investment Accounts Terms and Conditions booklet. Issuer: Bank of Queensland Limited ABN Australian Financial Services Licence Number Australian Credit Licence Number G478a 09/15

9 INTRODUCTION 1.1 Welcome to BOQ The terms that govern the way you bank with us are set out in this booklet, Business Banking Guide to Fees and Charges, Business Deposits - Interest Rates and Electronic Banking Terms and Conditions (if applicable). Together, those documents comprise the complete terms and conditions for the Banking Services that we provide to you. We encourage you to take time to read this booklet and the other material provided to you. It has been produced to help you choose the right Banking Services for your needs. Please contact us if you want more information regarding the Banking Services we offer. 1.2 How does this document affect you? You receive and agree to these terms and conditions on your own behalf and as agent for anyone operating on the Account. You must pass on these terms and conditions to each of those persons. 1.3 Need to know more? You can contact us at any time if you would like any further information, or a copy of the current Business Banking Guide to Fees and Charges or Business Deposits - Interest Rates or Electronic Banking Terms and Conditions (if applicable) by: calling our Customer Contact Centre on , 7 days per week 7.00 a.m. to 7.00 p.m; visiting our website at ing us via the contact us page on our website; writing to us at GPO Box 898, Brisbane QLD 4001; or visiting your local branch or Business Banking Centre. 3

10 2.1 Types of Accounts Set out below are details of our Transaction Accounts and Investment Accounts. Transaction Accounts Everyday Business Account* Business Management Account Trust Accounts Description Our full service, cost effective, everyday business transaction account. Our premium business transaction account that earns you a competitive rate of interest. We offer a range of Trust Account to meet legislative requirements across most States and Territories in Australia. Our Trust Accounts are designed for Solicitors and Real Estate Agents, to hold clients money in trust. Investment Accounts Business WebSavings Account TM Premier Investment Account Farm Management Deposit BOQ Superannuation Savings Account Description Our online savings account with competitive interest and easy access for businesses. Our Premier Investment Account pays a competitive rate of interest, fixed for the term of the deposit. Our investment account that provides primary producers with the opportunity to shift pre-tax primary production income from years when it is needed least to years when it is needed most. This assists with the management of any exposure to adverse economic events and seasonal fluctuations. Choose to invest funds at call or for a fixed term. Our online savings account for registered Self Managed Super Funds. *Fair Use policy applies. A Business Visa Debit Card is available on Transaction Accounts (other than Trust Accounts) and the Business Investment Account. 4 4

11 Features & Benefits Everyday Business Everyday Business Business Business Management Management Account 1 Account 1 Account Account Real Business Solicitors Estate/ Controlled Business Not-for-profit Business Investment Agents Eligibility Money Customers Organisations Customers Account 2 Trust Investment Interest paid Account 2 Trust Account 2 Interest paid Credit interest calculated on daily monthly balance balance Credit Option interest to receive calculated interest on paid to another minimum account monthly balance Option to receive interest paid to another account Regular Deposits statement allowed issued Deposits allowed Easy Interest Cheque adjustment Deposit on facility unauthorised Interest adjustment on unauthorised Transfer orders overdrawings able to be deducted from 4 account Transfer orders able to be deducted from account Cheque access 2 2 Card access Domestic ATM access Domestic ATM access 3 3 Domestic Electronic Funds Transfer Point of Sale (EFTPOS access) Internet Banking Access International ATM Access Account linked to a Visa Debit 3 3 Card International ATM Access Account linked 2 2 International EFTPOS Access Account linked to a Visa Debit 3 3 Card 2 2 Online & Telephone Purchases Account linked to a Visa Debit 3 3 Card 2 2 Minimum opening balance Direct debits (withdrawals) permitted 6 6,7 6,8 Direct debits (withdrawals) permitted Direct credits (deposits permitted) 7 8 Direct credits (deposits permitted) 1 Fair Use Policy applies see section For further detail regarding eligibility, refer to the Account Features table at section Card access is available only for Any One to Operate Accounts. Visa Debit cardholders with Restricted Access Cards may not be able to access all features 1 4 Overdrawings are not permitted on these accounts 2 5 Only available to law practices that are authorised by the relevant law society to withdraw money by electronic funds transfer 6 Direct debits (withdrawals) on Controlled Money Accounts, Solicitors Investment Trust Accounts and Real Estate/Agents Investment Trust Accounts are only permitted by Cheque or Electronic Funds Transfer via Internet Banking 7 All direct debits (withdrawals) and direct credits (deposits) must be credited to or debited from the Solicitors general Trust Account (excluding accounts held by registered solicitors practising in Victoria). 8 NT Only: All direct debits (withdrawals) and direct credits (deposits) must be credited to or debited from the Agent s general Trust Account For terms and conditions applying to Internet Banking, refer to Electronic Banking Terms and Conditions.

12 Features & benefits Business WebSavings WebSavings BOQ Account Superannuation WebSavings BOQ Superannuation Account Savings Account Business Customers Account Savings Account Eligibility & NFP Business Business customers customers and and Real Estate/ Organisations Solicitors Controlled Agents (excluding Money Account 1 Investment Trust Investment Self-Managed Account 1 Trust Account 1 Superannuation Minimum Minimum balance balance Minimum Minimum balance balance Funds) applies applies applies applies Interest paid Minimum Balance applies Interest Interest paid calculated paid monthly monthly daily balance Option Option to receive to receive interest interest paid paid to another to another account Interest accountpaid monthly Option to receive interest paid to another account Deposit Regular Deposit allowed allowed statement issued Deposits Allowed Interest EasyCheque adjustment Deposit on unauthorised facility Interest adjustment on unauthorised Interest adjustment on authorised Transfer overdrawing orders able to be deducted from Transfer orders able to be deducted from account account Transfer orders able to be deduced from account Cheque access Card access Domestic Domestic ATM ATM access access Domestic Electronic Funds Transfer Point of Sales (EFTPOS) International access International ATM ATM access access International ATM access Account linked to a Visa Debit Card International EFTPOS access Account linked to a Visa Debit Card Online & Telephone Purchases Account linked to a Visa Debit Card Internet Banking access 3 3 Easy Phone Banking access Direct Direct debits debits (withdrawals) permitted Direct (withdrawals) debits (withdrawals) permitted Direct permitted 4 4,5 4,6 Direct credits credits (Deposits) (Deposits) permitted permitted Direct credits (deposits) permitted 5 6 Telegraphic Transfer permitted 2 Minimum opening balance 7 1 For further detail regarding eligibility, refer to the Account Features table at section Overdrawings are not permitted on these accounts 3 Only available to law practices that are authorised by the relevant law society to withdraw money by electronic funds transfer Banking Terms and 4 Electronic Direct debits (withdrawals) Controlled Money Accounts, Solicitors Investment Trust Accounts and Real Estate/Agents Investment Banking Trust Accounts Terms are and Conditions. Conditions. only permitted by Electronic Funds Transfer via Internet Banking 5 All direct debits (withdrawals) and direct credits (deposits) must be credited to or debited from the Solicitors general Trust Account (excluding accounts held by registered solicitors practising in Victoria). 6 NT Only: All direct debits (withdrawals) and direct credits (deposits) must be credited to or debited from the Agent s general Trust Account 7 Balances greater than $5,000,000 are subject to approval on and from 30 August For terms and conditions applying to Internet Banking, refer to Electronic Banking Terms and Conditions.

13 Interest paid monthly Option to receive interest paid to another account Deposit allowed Interest adjustment on unauthorised Transfer orders able to be deducted from account Domestic ATM access International ATM access Direct debits (withdrawals) permitted Direct credits (Deposits) permitted 1 BOQ Superannuation Savings Account Minimum balance applies 1. Electronic Banking Terms and Conditions. 7

14 2.3 Summary of Investment Account features and benefits (continued) Features and Benefits Premier Premier Investment Account Business Business customers and registered Self Managed Superannuation Funds customers, Not-forprofit organisations Real Estate/ Controlled Solicitors Agents Eligibility and registered Money Investment Investment Self Managed Account 1 Trust Account 1 Trust 2.3 Summary of Investment Superannuation Account features and benefits (continued) Account 1 Funds Credit Features interest and calculated Benefits on daily balance Premier Investment Monthly Business or customers end of term Interest payment frequency options and registered (annually Self if Managed term more Superannuation than one year) Funds Option to reinvest interest Option to receive interest payments by cheque existing arrangements only Option to receive interest paid to another BOQ account Option to receive interest paid to an account at another Financial Institution Minimum and maximum term 1 month to 5 years Minimum opening deposit $1,000 Additional deposits allowed during renewal grace period only EasyCheque Deposit facility Withdrawals allowed 3 during renewal grace period only Minimum balance $1,000 Interest adjustment on withdrawal Regular statements issued Transfer orders able to be deducted from account Cheque access Card access ATM access Electronic Funds Transfer Point of Sale (EFTPOS) access Internet Banking Access # Withdrawals or transfers are subject to availablity of funds not required to secure view any only loan facilities. Direct debits (withdrawals) permitted Direct credits (deposits) permitted 4 5 Funds can be used as loan security 1 For further detail regarding eligibility, refer to the Account Features table at section Terms of less than 1 month may be permitted on reinvestment of funds. 3 Withdrawals or transfers are subject to availability of funds not required to secure any loan facilities. 4 All direct credits (deposits) must be debited from the Solicitors general Trust Account (excluding accounts held by registered solicitors practising in Victoria). # 5 Withdrawals NT Only: All direct or credits transfers (deposits) are must subject be debited to from availablity the Agent s of general funds Trust not Account required to secure any loan facilities. 78

15 Interest paid to another account Interest paid to another account Option to receive interest payments by Farm Management Deposit Farm Management Deposit 89 8 All interest paid monthly All interest paid monthly All interest must be redirected to another BOQ account All interest must be redirected to another BOQ account Farm Management Deposit Farm Management Deposit Monthly or end term (annually if more than one year) Monthly or end term (annually if more than one year) Option to receive interest payments by Option to receive interest paid to an Account Option to receive interest paid to an Account Option to reinvest interest n/a Option to reinvest interest Quarterly n/a Quarterly Quarterly Quarterly * (subject to conditions) (subject to conditions) (subject to conditions) (subject to conditions) Minimum balance Minimum balance Additional deposits allowed Additional deposits allowed Withdrawals allowed # Withdrawals allowed Interest adjustment in withdrawal # Interest adjustment on in withdrawal unauthorised n/a n/a Interest adjustment on unauthorised Transfer orders able to be deducted from n/a n/a Account Transfer orders able to be deducted from Account ATM access ATM access view only view only view only view only Direct debits (withdrawals) permitted Direct debits (withdrawals) permitted * Electronic Terms of less than 1 month may be permitted reinvestment of funds. Banking Terms and Conditions. Electronic Banking Terms and Conditions.

16 Electronic Banking Terms and Conditions. primary production business or an 8 individual who is a partner in a partnership that carries on in Australia a primary production business and who is presently entitled to a share on the income of the trust. person. Deposits Interest Interest will be credited to your nominated account and can be reinvested after it has been paid to your nominated. deposit to you as if the maturity date of the term has been reached. Charges and offset or any other person to us or to any other person. debts to us. Bank fees and government charges 10

17 debts to us. Bank fees and government charges 9 Customers who meet the requirements under the Legal Profession Act or Agents Act Customers who meet the requirements under the Legal Profession Regulation or Property Stock & Business Agents Act Customers who meet the requirements under the Trust Accounts Act, Legal Profession Act, or Property Agents and Motor Dealers Act. 11

18 Trust Features & TAS and Agents Trust Trust & TAS Agents Trust Customers who meet Customers who meet the requirements under the requirements under Customers who meet the requirements under or Property Agents and or Property Agents and the Estate Agents Act Land Transactions Act Land Transactions Act WA REBA Trust, Trust & WA Tenancy Bond be cashed be cashed be cashed be cashed Electronic Electronic Banking Terms and Conditions. Banking Terms and Conditions. for TAS Solicitor Trust access is view only for TAS Solicitor Trust access is view only rs Trust Accounts BOQ in States offers Trust outside Accounts of Queensland in States that outside have of fully Queensland operational that BOQ have branches. fully operational BOQ branches WA REBA Trust, & WA Tenancy Bond Customers who meet Customers who meet the Customers requirements who meet under the requirements under the requirements under the Business Legal Profession Agents Act Business Agents Act Act Tenancies Act Tenancies Act Interest ^ paid ^ ^ ^ ^ Credit interest ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ Option to receive interest paid to another account Trust & TAS Agents Trust EasyCheque Trust Customers & TAS who Agents meet the requirements Trust under or Property Agents and Customers who meet Land Interest Transactions adjustment Act the requirements under on unauthorised or overdrawings Property Agents and Land Transactions Act to be deducted from account VIC Agents Trust ^ ^ ^ ^ ^ WA REBA Trust, issued Trust & WA Tenancy Bond ^ ^ ^ ^ ^ Customers WA REBA who Trust, meet Trust the requirements under & WA Tenancy Bond restrictions Customers Business Agents who meet Act the requirements under Tenancies Act ^ ^ ^ Business ^ Agents Act Tenancies Act ^ ^ ^ ^ ^ ^ ^ ^ Cheque ^ access ^ ^ ^ be cashed ^ be cashed ^ be cashed ^ be cashed ^ Card access ^ ^ ^ ^ ^ ^ ^ ^ ATM access ^ ^ ^ ^ ^ ^ ^ ^ for Internet TAS Solicitor Banking ^ Trust for TAS Solicitor Trust access ^ ^ ^ access is view only access is view only t Minimum opening t Direct debits permitted Direct credits permitted Trust be Account cashed be cashed m m Trust be Account cashed be cashed be cashed Trust Account

19 Features & benefits Controlled Money Account Eligibility Customers in WA, NT, Qld, NSW, TAS and ACT who meet the requirements for a Solicitor Trust Account in their State or Territory 1 Solicitors Investment Trust Account Customers in all States and Territories who meet the requirements for a Solicitor Trust Account in their State or Territory Real Estate/ Agents Investment Trust Account Customers in WA, NT, Qld, NSW and TAS who meet the requirements for a Real Estate or Agent s Trust Account in their State or Territory 2 These accounts can be set up on Business Management Account, the Business WebSavings Account or the Premier Investment Account. Available products For a summary of the applicable features and benefits, please refer to the relevant Account Features table in sections 2.2 or 2.3 above. 1 This account is not available to customers in Victoria and South Australia. 2 This account is not available to customers in Victoria, The Australian Capital Territory and South Australia 13

20 2.5 Summary of Accounts no longer for sale Information for existing account holders only. Unlimited Business Account TM. Features and Benefits Unlimited Business Account TM * Eligibility Interest paid Credit interest calculated on daily balance Interest paid monthly Option to receive interest paid to another BOQ Account Regular statement issued Deposit allowed EasyCheque Deposit Facility Withdrawal restrictions Interest adjustment on unauthorised overdrawings Transfer orders able to be deducted from account Cheque access Card access ATM access Electronic Funds Transfer Point of Sale (EFTPOS) access Internet Banking Access Minimum Opening Balance Direct debits (withdrawals) permitted Direct credits (deposits) permitted *Fair Use policy applies see section # Only available for Any One to Operate Accounts. Business customers (ACT, NSW, VIC, NT & WA residents only) # # # $200 if cheque book is attached, otherwise no minimum For terms and conditions applying to Internet Banking, refer to Electronic Banking Terms and Conditions

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