Personal Banking. Guide to Fees and Charges. July 2015

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1 Personal Banking Guide to Fees and Charges This booklet forms part of the Terms and Conditions for Deposit Products and the Supplementary Terms and Conditions for Personal Lending and Electronic Banking Terms and Conditions (if applicable) July 2015 G477 07/15

2 CONTENTS INTRODUCTION 2 ACCOUNT OPERATING FEES AND CHARGES 3 Transaction Accounts 3 Savings Accounts 5 Line of Credit Facilities 6 Term Investment Accounts 7 Definitions 7 HOME AND PERSONAL LENDING 9 ELECTRONIC BANKING 11 INTERNATIONAL SERVICES 12 GENERAL SERVICES 14 SAFE CUSTODY SERVICES 17 PRODUCTS AND SERVICES NO LONGER OFFERED 17 1

3 INTRODUCTION Welcome to BOQ and thank you for banking with us. This booklet contains the most common fees and charges that apply to our range of personal banking and lending services. The information is easy to find in the sections under Account Operating Fees and Charges, Home and Personal Lending, Electronic Banking, International Services, General Services and Safe Custody Services. There may be some other fees that apply to to various services. We ll give you details of these fees fees when when you you make make an an application application or or as as soon soon as as possible possible afterwards. afterwards. BOQ offers a great many incentives to its customers through a variety of different BOQ account offers options, great all many designed incentives to meet to the its customers individual needs through of every variety customer. of different account options, all designed to meet the individual needs of every customer. This Guide to Fees and Charges should be read in conjunction with the relevant terms This Guide to Fees and Charges should be read in conjunction with the relevant terms and conditions as it forms part of the following documents: and conditions as it forms part of the following documents: Deposit Products Terms and Conditions; Deposit Products Terms and Conditions; Personal Lending Supplementary Terms and Conditions; Personal Lending Supplementary Terms and Conditions; Loan Schedule and General Conditions (where applicable); Loan Schedule and General Conditions (where applicable); Electronic Electronic Banking Banking Terms Terms and and Conditions Conditions (where (where applicable). applicable). Words in capitals are defined in the Deposit Products Terms and Conditions and Words Personal in capitals Lending are Supplementary defined in the Terms Deposit and Products Conditions. Terms and Conditions and Personal Lending Supplementary Terms and Conditions. GST is not included and is not payable in respect of any fees and charges in this book GST unless is otherwise not included stated. and is not payable in respect of any fees and charges in this book unless otherwise stated. You can get further information about our fees and charges by visiting any one of our You branches, can get Business further information Banking Centres about our or our fees website and charges by visiting any or by one phoning of our branches, us on 1300 Business Banking Centres or our website or by phoning us on

4 ACCOUNT OPERATING FEES AND CHARGES Minimum Monthly Balance Transaction Accounts Day2Day Plus Account Account Maintenance Fee Nil $4.00 Nil Nil Nil Monthly Card Fee (Visa Debit) $1.00 $1.00 $1.00 $1.00 Bonus Payment* Nil $2.00 Cashed Cheques $2.00 $2.00 Teller Withdrawals 2 free then $2.00 each Cheques Written 2 free then $1.00 each BOQ Balance Enquiry ATM & EFTPOS BOQ ATM/EFTPOS 2 free then Withdrawals/Transfers/Balance Enquiry 1 $0.65 each Other Bank ATM Withdrawal Withdrawals $3 each $3.00 $3.00 $3.00 Deposits ATM Operator Fee As disclosed on the ATM As disclosed on the ATM As disclosed on the ATM at the time of As disclosed on the ATM screen at the time of screen at the time of the screen at the time of the the transaction the transaction transaction transaction Internet Banking and EasyPhone Banking Funds Transfer and BPAY 2 free then $0.30 each Single Pay Anyone $0.65 $1.50 for up to 10 Multi Payment $1.50 for up to 10 payments then $0.19 payments then $0.19 for for each additional transaction each additional transaction Transfer Orders, Direct Debits and Direct Credits Transfer to BOQ Accounts Direct Debits 2 free then $0.30 each Direct Credits International Transactions # Overseas Bank ATM Withdrawal $5.00 $5.00 $5.00 $5.00 Overseas Bank ATM Balance Enquiry $2.00 $2.00 $2.00 $2.00 Foreign Currency Transaction Fee (Accounts linked to a Visa Debit Card) 3.0% 3.0% 3.0% 3.0% Foreign Currency Transaction Fee (Accounts linked to a Credit Card) 3.4% 3.4% 3.4% 3.4% Account Maintenance Fee Exemptions: Upon request, the Account Maintenance Fee will be waived on a nominated account where customers: Are under 18 years of age Are a full-time student at a University, TAFE or Secondary School (annual renewal applies) Have a BOQ Home Loan 1 Merchants or other providers of electronic transactions may impose additional limits and or charges. * Bonus payment is paid to accounts that maintain a minimum balance of $2,000 for the full month. Any bonus payment amount will be included in the interest payment figure, which is paid quarterly on the last day of the month and shown at the bottom of your statement. Refer to Deposit Products Terms and Conditions for General Tax Information. # Only available if an account is linked to a Visa Debit Card or Credit Card. Please note that accounts linked to a Visa Debit Card can be accessed using both overseas ATM s and EFTPOS. Accounts linked to a Credit Card can be accessed via overseas ATM only. Reverse Charges Account Less than $2,000 $2,000 and over 3 4 Pension Plus Account Mortgage Offset Account If you have an overdraft attached to your Day2Day Plus Account or Reverse Charges Account, the fees set out in the Home and Personal Lending section for Personal Overdrafts will also apply to your Account. Other fees and charges (including government charges) may be payable.

5 Savings Accounts Savings Accounts Minimum Monthly Balance WebSavings WebSavings Account Account Cash Management Cash Account Management Less than $5,000 Account $5,000 and over Bonus Interest Savings Bonus Interest Account Savings Account Account Minimum Maintenance Monthly Balance Fee Nil Less than $5 $5,000 $5,000 Nil and over Nil Monthly Account Card Maintenance Fee (Visa Fee Debit) Nil Nil $5 $1.00 Nil $1.00 Nil Monthly Cashed Cheques Card Fee (Visa Debit) Nil $1.00 $2.00 $1.00 Cashed Teller Withdrawals Cheques 4 free then $2 each $ free then $2 each Cheques Teller Withdrawals Written 4 free $1 then each $2 each 1 free then $2 each BOQ Cheques Balance Written Enquiry $1 each BOQ ATM & Balance EFTPOS Enquiry BOQ ATM & EFTPOS 8 free then 1 free then ATM/EFTPOS BOQ $ free each then $ free each then Withdrawals/Transfers ATM/EFTPOS $0.65 each $0.65 each Withdrawals/Transfers Other Bank ATM Other Withdrawal/Balance Bank ATM Enquiry Withdrawal/Balance Withdrawals Enquiry $3.00 $3.00 Deposits Withdrawals $3.00 $3.00 Deposits As disclosed on As disclosed on the ATM screen As the disclosed ATM screen on ATM Operator Fee As disclosed at the on time the ATM of screen the at ATM the time screen of ATM Operator Fee the at the transaction time of the at the transaction time of the transaction INTERNET BANKING AND EASYPHONE BANKING the transaction INTERNET BANKING AND EASYPHONE BANKING 10 free Internet 1 free Internet 10 and free 10 Internet 1 and free 1 Internet Funds Transfer and BPAY EasyPhone and 10 then EasyPhone and 1 then Funds Transfer and BPAY EasyPhone $0.30 each then EasyPhone $0.30 each then Single Pay Anyone $0.65 each $0.30 $0.65 each each $0.30 $0.65 each each Single Pay Anyone $1.50 $0.65 for each up to 10 $0.65 each $1.50 $0.65 for each up to $1.50 payments for up then to $1.50 payments for up then to $1.50 for up to 10 payments then Multi Payment payments $0.19 for each then 10 $0.19 payments for each then $0.19 $1.50 for for each up to additional 10 payments transaction then Multi Payment $0.19 additional for each $0.19 additional for each $0.19 for each additional transaction transaction additional transaction additional Transfer Orders, Direct Debits and transaction Direct Credits transaction Transfer Transfer to Orders, BOQ Accounts Direct Debits and Direct Credits Direct Transfer Debits to BOQ Accounts Direct Direct Credits Debits International Direct Credits Transactions # Overseas International Bank Transactions ATM # $5.00 $5.00 Withdrawal Overseas Bank ATM $5.00 $5.00 Withdrawal Overseas Bank ATM $2.00 $2.00 Balance Overseas Enquiry Bank ATM $2.00 $2.00 Foreign Balance Currency Enquiry Foreign Transaction Currency Fee (Accounts linked Transaction to a Visa Fee Debit (Accounts Card) 3.0% 3.0% 3.0% 3.0% linked Foreign to Currency a Visa Debit Card) Foreign Transaction Currency Fee (Accounts linked Transaction to a Credit Fee (Accounts Card) linked to a Credit Card) 3.4% 3.4% 3.4% 3.4% * Other fees and charges (including government charges) may be payable. #* Only Other available fees and if charges an account (including is linked government to a Visa Debit charges) Card may or Credit be payable. Card. Please note that accounts linked to a Visa Debit # Card Only can available be accessed if an account using both is linked overseas to a Visa ATM s Debit and Card EFTPOS. or Credit Accounts Card. linked Please to a note Credit that Card accounts can be linked accessed to a via Visa overseas Debit ATM only. Bonus Card can interest be accessed will be paid using in both addition overseas to the ATM s base and rate EFTPOS. if no more Accounts than one linked (1) withdrawal to a Credit Card is made can during be accessed a calendar via overseas month. ATM only. Bonus interest will be paid in addition to the base rate if no more than one (1) withdrawal is made during a calendar month. 5 5

6 Line of of Credit Facilities Account Maintenance Fee Clear Path Line Line of Credit Line of Credit Line of Credit Packages Line of of Credit Credit Packages Nil Account Maintenance Fee Deposits and Nil Deposits withdrawals,including and BOQ 40 free transactions per month 40 free transactions per month withdrawals,including ATM and BOQ cheques 40 free transactions then $0.60 per each40 free transactions per then 40 $0.60 free transactions each per ATM debited withdrawals to an account, and cheques direct month then $0.60 each month then $0.60 each month then $0.60 each debited debits and to an direct account, credits direct debits Other Bank and direct ATMcredits Withdrawals/Balance Enquiry Other Bank ATM Withdrawals $3.00 $3.00 Withdrawals Deposits $3.00 $3.00 $3.00 Deposits As disclosed on the ATM screen As disclosed on the ATM screen ATM Operator Fee As disclosed at the time on of the the ATM transaction As disclosed on the at the ATM time As of disclosed the transaction on the ATM ATM EFTPOS Operator Fee screen at the $0.65 time each of screen at the time of screen at the time of BOQ the transaction the transaction the transaction ATM Balance Enquiry EFTPOS $0.65 each INTERNET BANKING BOQ Funds Transfer and BPAY 10 free per month then $0.30 each ATM Balance Enquiry Single Pay Anyone $0.65 each INTERNET BANKING $1.50 for up to 10 Funds Multi Payment Transfer and BPAY payments then $0.19 for 10 each free per month then additional transaction $0.30 each Single Balance Pay and Anyone Transaction $0.65 each History Enquiry $1.50 for up to 10 EASYPHONE BANKING Multi Payment payments then $0.19 Funds Transfer and BPAY 10 free per month then $0.30 each for each additional transaction Funds Transfer to third party Balance BOQ Accounts and Transaction and $0.65 each History Credit Cards Enquiry EASYPHONE Balance and Transaction BANKING History Enquiry 10 free per month then Funds International Transfer Transactions and BPAY # $0.30 each Funds Overseas Transfer Bank to ATM third party $5.00 $5.00 BOQ Withdrawal Accounts and $0.65 each Credit Overseas Cards Bank ATM $2.00 $2.00 Balance Balance and Enquiry Transaction History Foreign Enquiry Currency Transaction Fee (Accounts 3.0% 3.0% International Transactions # linked to a Visa Debit Card) Overseas Bank Foreign Currency $5.00 $5.00 $5.00 ATM Withdrawal Transaction Fee (Accounts 3.4% 3.4% Overseas linked to a Bank Credit Card) $2.00 Other ATM fees Balance and charges Enquiry (including government charges) may be payable. # Foreign Only available Currency if an account Transaction is linked to a Visa Debit Card or Credit Card. Accounts linked to a Credit Card can be accessed via overseas ATM only. Fee (Accounts linked to a Visa 3.0% Please refer to your Loan Agreement for details of other fees and charges. Debit Card) $ % $ % Foreign Currency Transaction Fee (Accounts linked to a 3.4% 3.4% 3.4% Credit Card) Other fees and charges (including government charges) may be payable. # Only available if an account is linked to a Visa Debit Card or Credit Card. Accounts linked to a Credit Card can be accessed via overseas ATM only. Please refer to your Loan Agreement for details of other fees and charges. 6

7 Term Investment Accounts Term Investment Accounts Minimum Monthly Balance Premier Investment Premier $1,000 Investment Minimum Branch Withdrawal Monthly Balance $1,000 # BOQ Branch Balance Withdrawal Enquiry # BOQ Early Term Balance payout Investment fee Enquiry Accounts * Early # Deposits payout and withdrawals fee only available during renewal grace period. Premier * Investment Minimum Other fees Monthly and charges Balance (including government charges) may be payable. $1,000 # Deposits and withdrawals only available during renewal grace period. Branch * An interest Other fees Withdrawal adjustment is also applicable for early redemption. and charges (including government charges) may be payable. # BOQ * An interest Balance adjustment Enquiry is also applicable for early redemption. Early payout fee * Definitions Definitions # Deposits and withdrawals only available during renewal grace period. Account Other fees Maintenance and charges (including Fee* government charges) may be payable. * Account An A Line interest set of Maintenance fee adjustment Credit charged Accounts is also if the Fee* applicable balance for falls early below redemption. the required minimum monthly balance. This fee will not be charged fee charged in the for month deposits your and account withdrawals, is opened. including If there BOQ are insufficient ATM withdrawals funds in and your cheques account debited to cover to this A an fee, set account, we fee will charged debit direct your if the debits account, balance and direct but falls credits not below overdraw the required up to your it, and free the minimum transaction balance monthly of limit. the Deposits fee balance. will be This are carried fee will counted forward not be as one to charged transaction, the last day in the regardless of the month month your of in account the which number sufficient is opened. of cheques credit If there included funds are are insufficient with available. funds the deposit. This This fee in your will fee be account is charged listed to on cover even your this if Definitions fee, you statement we will make no as debit transactions a Carry your Forward account, in a month. Service. but not overdraw it, and the balance of the fee will be carried forward to the last day of the month in which sufficient credit funds are available. This fee will be listed on your Account ATM/EFTPOS For statement all Maintenance other as Withdrawal/Transfer Accounts a Carry Fee* Forward Service. Fee* ATM/EFTPOS A fee set fee fee charged charged Withdrawal/Transfer for if cash if the the withdrawals balance falls falls Fee* or below below transfers the the required required through minimum minimum BOQ ATMs monthly monthly and EFTPOS balance. balance. This transactions. This fee fee will will not not be be ATM is If are in your to cover this charged A Operator fee charged in the for month cash your withdrawals account is or opened. transfers If there through are BOQ insufficient ATMs and funds EFTPOS in your account transactions. to cover this fee, we will debit your account, but not overdraw it, it, and the the balance of of the the fee fee will will be be carried forward to ATM to An the Operator the organisation, last day of the that month owns, in leases which or operates credit an ATM funds other are than a BOQ This ATM. last day of the month in which sufficient credit funds are available. This fee fee will will be be listed on on your ATM statement An Operator organisation, as Fee a Carry that Forward owns, leases Service. or operates an ATM other than a BOQ ATM. ATM/EFTPOS The Operator Operator Withdrawal/Transfer Fee Fee is a fee charged Fee* by the ATM Operator as disclosed on the ATM screen at a point in the transaction which allows the cardholder to opt-out of the transaction without incurring any charge. A The The fee ATM ATM charged Operator Operator for cash Fee Fee withdrawals is includes a fee charged Balance or transfers by Enquiries. the ATM through Operator BOQ ATMs as disclosed and EFTPOS on the ATM transactions. screen at a point ATM in Operator the transaction which allows the cardholder to opt-out of the transaction without incurring any charge. BOQ The ATM ATM Operator Fee includes Balance Enquiries. An organisation, that owns, leases or operates an ATM other than a BOQ ATM. BOQ BOQ ATM ATM means a BOQ branded ATM and includes an ATM belonging to the rediatm network. BOQ is ATM a Operator participant Fee in the rediatm network. BOQ ATM means a BOQ branded ATM and includes an ATM belonging to the rediatm network. BOQ is Balance The a participant ATM Enquiry Operator in the rediatm Fee is a fee network. charged by the ATM Operator as disclosed on the ATM screen at a point in the transaction which allows the cardholder to opt-out of the transaction without incurring any charge. Balance A non-boq The ATM Enquiry Balance Enquiry, being a request for an account balance conducted through a non-boq ATM. Operator Fee includes Balance Enquiries. BOQ A ATM non-boq Balance Enquiry, being a request for an account balance conducted through a non-boq ATM. Withdrawal Fee* BOQ ATM means a BOQ branded ATM and includes an ATM belonging to the rediatm network. BOQ is This fee is a participant Withdrawal charged for in the rediatm Fee* each withdrawal conducted at Australia Post offices, including EFTPOS purchases with a cash-out network. component. Balance This fee Enquiry is charged for each withdrawal conducted at Australia Post offices, including EFTPOS Deposit purchases Fee* with a cash-out component. A non-boq Balance Enquiry, being a request for an account balance conducted through a non-boq This fee is ATM. Deposit charged Fee* for each deposit conducted at Australia Post offices. BOQ This Balance fee is Withdrawal charged Enquiry for Fee* each deposit conducted at Australia Post offices. BOQ All This Balance balance fee is charged Enquiry enquiries in-branch, through BOQ ATMs, Internet banking, Easyphone Banking, EFTPOS, and for each withdrawal conducted at Australia Post offices, including All EFTPOS balance purchases enquiries with in-branch, a cash-out through component. BOQ ATMs, Internet banking, Easyphone Banking, EFTPOS, Cashed and Cheques Fee* Deposit Fee* Cashed A fee This Cheques charged to fee is charged Fee* your account when a cheque you have written is cashed at a BOQ branch. for each deposit conducted at Australia Post offices. BOQ Cheques A Balance fee charged Written Enquiry to Fee* your account when a cheque you have written is cashed at a BOQ branch. Cheques A fee charged All balance Written for enquiries Fee* cheques debited to your account other than cheques cashed at a BOQ branch. in-branch, through BOQ ATMs, Internet banking, Easyphone Banking, EFTPOS, Credit and A fee Cards charged for cheques debited to your account other than cheques cashed at a BOQ branch. Cashed Credit Means Cards Cheques the BOQ Fee* credit card issued by Citigroup Pty Ltd ABN Early A Means fee payout charged the Fee BOQ to credit your account card issued when by a Citigroup cheque you Pty have Ltd ABN written 88 is 004 cashed at a BOQ branch. Cheques Early A fee payout for Written early Fee redemption Fee* of a fixed term deposit. A fee charged for early redemption for cheques of debited a fixed to term your deposit. account other than cheques cashed at a BOQ branch. Credit Cards Means the BOQ credit card issued by Citigroup Pty Ltd ABN Early payout Fee A fee for early redemption of a fixed term deposit. 7 7

8 Definitions EFTPOS Withdrawal Fee* A fee charged for EFTPOS transactions on your account. Foreign Currency Transaction Fee A fee charged when you use your card for transactions involving foreign currency. The fee is calculated as a percentage of the Australian dollar equivalent of the foreign currency value of the transaction. This fee is comprised of two components the fee we pay to the Card Scheme to perform currency exchange services for us (1% of the foreign currency value) and our administration fee (2.0% of the foreign currency value for Visa Debit and 2.4% for Accounts linked to a Credit Card). Internet Banking and EasyPhone Banking Transaction History Enquiry All transaction history enquiries through Internet Banking and EasyPhone Banking are free. Internet Banking Multi Payment Fee* A fee charged where you make a Multi Payment using Internet Banking. Internet Banking Single Pay Anyone Fee A fee charged when you make a Single Pay Anyone Payment using Internet Banking. A Single Pay Anyone Payment is a transfer of funds to an account at another financial institution or a 3rd party BOQ Account. Internet Banking and EasyPhone Banking Transfer and BPAY Fee* A fee charged for transfers between Nominated Accounts or BPAY Payments using Internet or EasyPhone Banking. Other Bank ATM Withdrawal Fee/Other Bank ATM Balance Enquiry Fee* A fee charged by BOQ for each withdrawal or balance enquiry you make through non-boq ATMs. Overseas bank ATM Balance Enquiry Fee* A fee charged when an ATM balance enquiry is made outside of Australia. Overseas bank ATM Withdrawal Fee* A fee charged when an ATM withdrawal is made outside of Australia. State Penalty Enforcement Fee A fee for recovering unpaid fines on behalf of the government. Teller Withdrawal Fee* A fee charged for cash withdrawals or transfers through BOQ branches (using a withdrawal form or your Account access card) Transfers to BOQ Accounts Fee A fee changed for each transfer order payment deducted from your account and paid to a BOQ account. This fee is charged to your account each time the transfer occurs. Visa Debit Card Fee* A fee charged for having a Visa Debit Card linked to your account. * This fee is charged monthly on the last day of the month or on the date your account is closed. 8

9 HOME AND PERSONAL LENDING HOME AND PERSONAL LENDING HOME Loan Account AND FeesPERSONAL LENDING Loan Account Fees Loan Type Type Account Fees Application Fee Ongoing Fees Application Fee Ongoing Fees Loan Account Fees Loan Home Home Type Loan Packages Loan Packages Application Fee Annual Package Annual Package Ongoing Fee Fee 1 1 Fees $ $ Loan Clear Type Path Variable Home Loans Application Fee Ongoing Fees Home Standard Loan Home Packages Loans $ Annual Package Fee 1 $ Home Standard Loan Variable Packages Home Loans $ Annual Package Fee Economy $ Home Loan Fee 2 1 $ Standard Home Loans $ Standard Fixed Rate Home Home Loans Loans $ $ Home Loan Fee 2 Low Economy Doc Home Loans $ $ Home Loan Fee 2 Economy Economy Home Home Loans Loans $ $ Home Loan Fee Line of Credit Facilities $ Refer to Account Operating 2 Low Doc Home Loans $ Fees and Charges Low Low Doc Doc Home Home Loans Loans $ $ Personal Line of Credit Loans Facilities - Unsecured $ $ Refer Maintenance to Account Fee Operating 2 Fees $7.50 and Charges Clear Path Line of Credit Facilities Refer to Account Operating Fees and Charges Personal Line of Credit Facilities $ Refer to Account Operating Secured $ Fees and Charges Line of Credit Loans Facilities - Unsecured $ $ Refer Maintenance to Account Fee Operating 2 Personal Loans Unsecured Overdrafts - Unsecured 3 $ Maintenance Fee Fees $7.50 and Charges Personal $7.50 Personal Loans Loans - Unsecured Secured $ $ Maintenance Maintenance Agreed Credit Fee Fee % $7.50 $7.50 of approved Personal Loans Secured Personal Secured 3 $ Maintenance $ Advance Fee Fee 4 2 overdraft $7.50 Overdrafts Loans - Secured - Unsecured 3 $ $ Maintenance Agreed Credit Fee % $7.50 of approved limit Personal Personal Overdrafts Unsecured 3 $ Overdrafts - Unsecured Secured 3 3 $ $ Agreed Advance Agreed Credit Credit Fee Advance % 0.25% overdraft of of approved approved limit Personal 1 Charged annually Overdrafts on the Secured package establishment 3 date, $ and on the anniversary Advance of the package Fee establishment 4 overdraft date, for every limit Personal year or part Overdrafts of the year - that Secured you hold 3 the package. $ Fee 4 overdraft limit 1 Charged annually on the package establishment date, and on the anniversary of the package establishment date, for every 2 Charged to your loan account on each repayment date. 1 year Charged or part annually of the year on the that package you hold establishment the package. date, and on the anniversary of the package establishment date, for every 2 3 Charged Personal year or part to Overdrafts your of the loan year are account that available you on hold each on the the repayment package. Day2Day date. Plus Account, Ultimate Account and the Reverse Charges Account Charged This Personal fee will to Overdrafts your be charged loan are account quarterly available on each in on advance the repayment Day2Day on the date. Plus last Account, day of February, Ultimate May, Account August and and the November. Reverse Charges Account. Other 34 Personal This ongoing fee will Overdrafts be fees charged are are payable quarterly available for Line on advance the of Credit Day2Day on Facilities, the Plus last Account, day Day2Day of February, Ultimate Plus Account, May, Account August Ultimate and and the November. Accounts Reverse Charges and the Reverse Account. Charges Account 4 Other This ongoing fee. will Please be fees charged refer are to payable Account quarterly for Operating Line advance of Credit Fees on Facilities, the and last Charges day Day2Day of for February, more Plus information Account, May, August Ultimate about and these November. Accounts fees and the Reverse Charges Other Account ongoing. Please fees refer are to payable Account for Operating Line of Credit Fees Facilities, and Charges Day2Day for more Plus information Account, Ultimate about these Accounts fees and the Reverse Charges Account. Please refer to Account Operating Fees and Charges for more information about these fees General Lending Fees The General General Lending Fees outlined in this table are general in nature and subject to your Facility Agreement, apply General to all Home Lending and Personal Fees The General Lending Fees outlined Lending this products table are and general services. in nature If you and are subject uncertain to whether your Facility these Agreement, charges The apply General to all you, Home Lending please and refer Fees Personal to outlined your Lending Facility this products Agreement table are and general for services. more in specific nature If you and information. are subject uncertain to Some whether your of Facility these these Agreement, fees charges may apply not apply to all you, to Home you. please and refer Personal to your Lending Facility products Agreement and for services. more specific If you information. are uncertain Some whether of these fees charges may apply Additional not apply to you, to you. please refer to your Facility Agreement for more specific information. Some of these fees may Security Fee not apply to you. Additional Payable when Security more Fee than one security is required by BOQ $ Additional Security Fee Rate Payable Lock when Feemore than one security is required by BOQ $ Payable when more than one security is required by BOQ $ Rate Payable Lock if Fee you elect to lock in your interest rate on a fixed rate home loan. We Rate will Lock hold the Fee 0.15% of approved loan Payable if you interest elect to rate lock for in 100 your days interest from rate the date on a we fixed process rate home your loan. request We amount after which the rate on the date of lending would apply. 0.15% of approved loan Payable will hold the if you interest elect to rate lock for in 100 your days interest from rate the date on a we fixed process rate home your loan. request We 0.15% of amount approved loan will Break after hold Cost which the Administration the interest rate rate the for date 100 Fee of days lending from would the date apply. we process your request amount after which the rate on the date of lending would apply. Break Break Cost Cost Administration Fee. Fee $50.00 Break Cost Administration Fee Break Cost Administration Fee. The amount is calculated $50.00 Break Costs. Administration Fee. The in accordance amount is calculated with $50.00 your Break Costs. The in accordance amount Facility is Agreement calculated with your The Break Costs. Administration Fee and Break Costs are charged in accordance with your in Facility accordance Facility Agreement, with your The and may Break be Cost payable Administration if: Fee and Break Costs are charged in accordance with your Facility Facility Agreement, Agreement The and A may Break fixed be Cost rate payable period Administration if: is broken Fee (by and you Break paying Costs out the are loan charged or changing accordance loan types with or your as a Facility consequence Agreement, of a and A default may fixed be causing rate payable period the if: is full broken amount (by of you the paying loan to out fall the due loan for payment). or changing loan types or as a consequence of a A default You fixed pay causing rate more period than the is the full broken amount total of (by your of you the elected paying loan to repayments out fall the due loan for payment). plus or changing $5,000 in loan any types 12 month or as period a consequence during your of a fixed default You pay rate causing more period. than the the full amount total of your of the elected loan to repayments fall due for payment). plus $5,000 in any 12 month period during your A fixed You Break pay rate Cost more period. event than the occurs total and of your we make elected a loss repayments from re-arranging plus $5,000 our in funding any 12 month period during your fixed rate period. Construction A Break Cost Loan event occurs Fee and we make a loss from re-arranging our funding A Break Cost event occurs and we make a loss from re-arranging our funding Construction Contract Builder. Loan Fee $ Construction Owner Builder. Loan Fee Contract Builder. $ $ Allows Owner Contract up to Builder. 4 drawings, with each additional drawing $ $ $ Allows Owner up to Builder. 4 drawings, with each additional drawing $ $ Allows up to 4 drawings, with each additional drawing $

10 Valuation Fee Fees are charged if we require a valuation report for a property over which you have granted or propose to grant a mortgage. This is not a Bank fee. The amount of the fee will be the fee charged by the appointed valuer and will vary depending on factors such as the location and the value of the property. Prepayment Adjustment Administration Fee Home Loans For all home loans entered into between 16th March 2009 and 30th June If you repay the total amount owing: Within 1 year from the lending date Between 1-2 years from the lending date 2-3 years from the lending date 3-4 years from the lending date Fee: 0.50% of approved loan amount capped at $ % of approved loan amount capped at $ % of approved loan amount capped at $ % of approved loan amount capped at $75.00 Redraw Fee Charged each time advance loan payments are re-drawn. Settlement Fee Payable for completing settlement of your facility. $ Switching Fee Charged for loans converted to another type of loan. $ Security Release Fee Payable when we agree (at your request) to discharge a security. $ Substitution of Security Fee Payable if we agree to substitution of a security for another security. $ Consent Fee Payable whenever we give consent (following a request from you) to a change $ in security. Production Fee Payable if a certificate of title or any security is required to be produced to $ another financial institution. Emergency Limit Fee Payable for the establishment of a temporary increase to your personal overdraft facility limit, or the establishment of a temporary limit on your Day2Day Plus $ Account, Reverse Charges Account or Ultimate Account. Legal Review Fees Legal Review Fee Standard Payable for each document that the Bank is required to review, amend or prepare and which is categorised by the Bank as a standard document. A standard document may include but is not limited to: review of a trust deed, consent document, power of attorney or a caveat; or amendment or preparation of a consent document, deed of covenant, confidentiality agreement, cross guarantee and indemnity, deed of subordination, fixed charge or a deed of priority. $ Legal Review Fee Complex Payable for each document that the Bank is required to review, amend or prepare and which is categorised by the Bank as a complex document. A complex document may include, but is not limited to: review of an association s rules/constitution, agreements/deeds, lease or licence, and share mortgages; or amendment or preparation of a mortgage over lease, right of entry, mortgagee s consent to lease, ASIC performance bonds, share mortgages and mortgage over life insurance. $

11 ELECTRONIC BANKING Security Tokens for Internet Banking Initial token issued for up to 2 Users on a profile Defective tokens Stolen token (police report required) Tokens required for any Delegated Users that are not a signatory to the profile $50.00 each Additional token (if profile has more than 2 users) $50.00 each Replacement tokens $50.00 each Payments File Upload Fees are charged monthly to your Nominated Account on the first Bank Business Day of each month. All of the following fees are GST inclusive. Establishment Fees Direct Credit Facility $ Direct Debit Facility $ Transaction Fees (Debit and Credit Transactions must be in separate batch files) Batch file up to 20 transaction items $3.00 Each additional transaction per batch file $0.15 Manual input of a Credit or Debit Transaction each transaction $3.00 Reference Fee (charged when insufficient funds/limit require manager approval to process payment file) $25.00 Recall Fees Recall Fee (in addition to the following items) $50.00 Batch file up to 20 transaction items $3.00 Each additional transaction per batch file, or each individual transaction $0.15 Manual input of a Credit or Debit Transaction each transaction $3.00 Transaction Negotiation Authority Establishment Fee $ Amendment Fee $50.00 TNA Limit Reference Fee $25.00 International Payments International Payment request $20 + pay anyone payment fee Additional fees may be deducted by other banks involved in the transfer Cancellation of an International Payment $25.00 Amendment of an International Payment $25.00 Trace of an International Payment $

12 RTGS Payments RTGS Payment request INTERNATIONAL SERVICES $20 + pay anyone payment fee Additional fees may be deducted by other banks involved in the transfer Cancellation of a RTGS Payment $25.00 Amendment of a RTGS Payment $25.00 Trace of a RTGS Payment $40.00 Bills for Collection - Received from Overseas For collection and payment 0.30% of AUD value, Dishonour/Defer of inward collection minimum $ maximum $ Extension/representation of inward bill $70.00 including expenses Release of goods/undertaking/air waybill Release $80.00 Avalisation $80.00 plus customer s credit risk margin Additional Correspondence $70.00 including expenses Noting/Protesting $80.00 plus legal expenses Bills for Collection Sent Overseas Cheques drawn on an overseas bank deposited to your account Cheque deposited prior to payment by an overseas bank $7.00 Cheque drawn on an overseas bank sent for payment prior to deposit (overseas bank fee deducted from proceeds) 0.2% of AUD value minimum $50.00 plus expenses Dishonour of cheque negotiated/sent overseas Documentary collection Dishonour of documentary collection Extension/amendment of terms/amount $35.00 plus other bank s fee where applicable 0.25% of AUD value minimum $80.00 plus expenses 0.25% of AUD value minimum $80.00 including expenses $50.00 plus expenses Fee or payment $80.00 plus expenses Tracers/Additional Correspondence per message Financing On application 12

13 Cash Passport Please refer to the Cash Passport Brochure for a list of applicable fee s and charges. A copy of this can be obtained at any branch. Drafts In Foreign Currency Inward Payable at another Australian financial institution $20.00 (plus other financial institution fee if applicable) Foreign Bill for Negotiation $7.00 per currency Outward Issued $15.00 Advice of fate (plus transmission cost if applicable) Replacement of lost draft or stop payment with refund Repurchase $20.00 Overseas Notes Purchased by us $5.00 per currency Sold by us 1% of AUD value minimum $5.00 each currency Telegraphic Transfers Additional fees may be deducted by other banks involved in the transfer. Inward For credit of an account with us. Received in Australian dollars Received in foreign currency Outward For credit of an account with another financial institution. In Australian dollars In foreign currency Recall of telegraphic transfer $25.00 Trace of telegraphic transfer $40.00 Rejected telegraphic transfer (repair) $25.00 Travellers Cheques Issue 1% of AUD value minimum each applicant for each currency Negotiation (encashment) $7.00 per currency 13

14 $60.00 each minimum GENERAL SERVICES GENERAL GENERAL SERVICES SERVICES Other certificates (eg details of assets held) Cheque Books Audit Certificate each minimum Other certificates (eg details of assets held) $60.00 each Certificate of account balance or interest paid/received each Audit Certificate each Certificates Account Access Cards/Visa Debit Cards of account balance or interest paid/received each GENERAL Account Cards replaced Access within Cards/Visa SERVICES Australia Debit Cards $15.00 each card business, opens an account (each search). $40.00 GENERAL Account Access outside Cards/Visa SERVICES Australia Certificates Debit Cards Cards replaced within Australia $75.00 a registered Charged whenever a lost or stolen Account Access Card/Visa Debit Card is replaced Account Cards replaced Access outside within within Cards/Visa Australia Debit Cards $15.00 each card Charged or entity, a either business company $15.00 $75.00 $15.00 each card Business Entity Search Charged Fee whenever a outside business, an (each $40.00 Account Cards replaced Access outside within lost Cards/Visa or Australia stolen Australia Account opens search). Debit Access Cards account Card/Visa Debit Card is replaced $75.00 $75.00 Charged business entity, either a company or a registered Charged Charged Bank Cheque whenever whenever Fee a lost lost or or stolen stolen Account Account Access Access Card/Visa Card/Visa Debit Debit Card Card is is replaced replaced $15.00 each card Cards replaced outside within Australia $15.00 $75.00 each card Charged expenses) (plus Business Search Entity Fee Bank Cards whenever Each Cheque replaced a minimum cheque issued Fee outside lost or stolen Australia Account Access Card/Visa Debit Card is replaced $75.00 each card Charged Bank Cheque whenever repurchased Fee a lost or stolen Account Access Card/Visa Debit Card is replaced Each (plus expenses) cheque issued $15.00 By $60.00 personal each delivery minimum Bank or Inward Outward (all items) Each Cheque Each replacement cheque cheque issued issued Fee repurchased cheque issued $25.00 $15.00 $60.00 each personal delivery By Bank Each Cheque cheque cheque repurchased repurchased issued Fee $15.00 $15.00 for Bills Local Collection Each replacement Inward cheque Dishonour issued Fee $25.00 Inward or Outward (all items) Each Each replacement replacement cheque issued repurchased cheque cheque issued issued $25.00 $25.00 $15.00 Effective This is not from a Bank 1 November Inward Fee. This Dishonour 2014, a fee the charged Fee by Inward Dishonour directly Bills Fee for to Collection your will Local increase account to on $ the day This where is a the cheque Each cheque replacement repurchased fee charged deposited Inward cheque by to Australia your Dishonour issued $15.00 account Post to through your Fee $25.00 Each replacement cheque issued account on the is day dishonoured. which a cheque deposited to your account $25.00 through Effective This Each is is is not not their from item a fee 1 dishonoured charged November Inward Fee. Fee. This This by network Dishonour Australia 2014, a fee fee the dishonoured. charged charged Fee to your by by account Inward Dishonour the directly directly day Fee on to to which your your will increase account account a cheque to on on $ deposited the the day day This where where to is your $19. a 32 the cheque cheque deposited to your account through dishonoured. Inward Dishonour Fee Bills account fee Each charged deposited through Inward for item Collection Dishonoured by their to Australia your Dishonour account Local - Up to to network through your Fee 1 November account is dishonoured the day dishonoured. which a cheque deposited to your account $19.32 through This dishonoured $ issued $25.00 Each replacement cheque Bills is not their Inward for a Collection Fee. This network or Outward (all Local - From a fee dishonoured. Each Each item item Dishonoured dishonoured 1 charged November by 2014 directly to your account on the day where $20.21 $21.10 $19. a 32 cheque deposited to your account items) through Inward Dishonour Fee is dishonoured. Bills Each By for item Each cheque repurchased $15.00 personal Collection Dishonoured delivery Local - Up to 1 November 2014 $19.32 Inward or Outward dishonoured (all items) $60.00 each $ cheque issued $25.00 Each replacement Bills Each Inward Inward for item Collection Dishonoured or or Outward Outward (all (all Local - From 1 November 2014 $20.21 items) items) minimum cheque issued Each By personal delivery $60.00 each repurchased $15.00 Each cheque (plus expenses) Bills By By Inward for personal personal Collection or Outward delivery delivery (all Local items) $60.00 $60.00 minimum each each Fee Bank Cheque Each cheque issued Business By Inward personal or Outward Entity delivery (all items) Search Fee $60.00 minimum minimum (plus expenses) each (plus expenses) Business Charged Entity when a Search business Fee (plus expenses) By Bank personal delivery $60.00 minimum each Cheque Fee is replaced entity, either Charged whenever lost a or stolen Account Access company or a Card/Visa Debit Card registered Business business, Entity opens Search an account Fee minimum (plus expenses) each card $75.00 Charged a Cards business entity, replaced (each either outside search). Australia a company or a registered (plus expenses) $40.00 card $15.00 each Business business, Charged Charged Entity when when opens a Search an within business business account Fee entity, entity, (each Australia either either search). a company company Cards replaced Charged whenever or or lost or stolen Account Access Card/Visa Debit Card is replaced a registered registered $40.00 card $75.00 each Business Cards replaced outside Australia Certificates business, business, Charged Entity opens opens a Search an an business account account Fee entity, (each Debit Cards (each either search). Account Access Cards/Visa search). a company or a registered $40.00 $40.00 each $15.00 card Cards replaced within Australia Certificates business, Charged when opens a an business account entity, (each either search). a company or a registered $40.00 Access Cards/Visa Debit Cards of account balance or interest paid/received each Account Certificates business, opens an account (each search). $40.00 Audit Certificate of account balance or interest paid/received each Certificates of of account account balance balance or or interest interest paid/received paid/received Audit Certificate $60.00 each each each Other certificates (eg details of assets held) Certificates Audit Audit Certificate Certificate of account balance or interest paid/received $60.00 minimum each each each Other Audit Certificate Certificate certificates of account (eg details balance of or assets interest held) paid/received Cheque Other certificates Books $60.00 $60.00 minimum each each each Other certificates (eg (eg details details of of assets assets held) held) Audit Certificate $60.00 minimum minimum each each Cheque Other Each Cheque certificates Booksbook (eg ordered details of assets held) Cheque Each Cheque Books $60.00 minimum each Other certificates book (eg ordered details of assets held) minimum Cheque Each Each Cheque Cheque Books book book ordered ordered Coin Cheque Each Handling Cheque Books book Fee ordered Coin Coin Each Handling Cheque book Fee ordered per bag Coin Bagged Coin Handling Handling Coin Fee $0.50 per bag Coin Coin Coin Handling Fee minimum per $2.50 bag Bagged Coin $0.50 per bag Coin Unsorted, Bagged Bagged Coin Handling Coin Coin unbagged Fee coin minimum $0.50 $0.50 5% of per per $2.50 value bag bag minimum minimum $2.50 $2.50 Unsorted, Coin Bagged Handling Coin unbagged Fee coin $0.50 5% of per value bag Unsorted, Unsorted, Bagged Coin unbagged unbagged coin coin minimum minimum $0.50 5% 5% of of per $2.50 value value bag Unsorted, unbagged coin minimum minimum 5% of $2.50 value Counter Cheques Unsorted, unbagged coin minimum 5% of value Counter Each cheque Cheques issued minimum $0.20 Counter Each cheque Cheques issued $0.20 Counter Each Each cheque cheque Cheques issued issued $0.20 $0.20 Counter Each cheque Cheques issued $0.20 Each cheque issued $0.20 GENERAL SERVICES GENERAL SERVICES

15 Default Fees Notices Issued Fees are charged when a notice is issued because your account is in default. Demand Notice Fee Power of Sale Notice Fee Notice Requiring Vacant Possession Fee Notice to Tenant Requiring Vacant Possession Fee Call Fee Charged whenever we visit you after a default has occurred. $50.00 Mortgagee Sale Fee Charged for each property we hold as security for a loan facility where the Bank $ commences mortgagee sale procedures (whether or not a sale is completed) Dishonour Fees Outward Charged to your account on the day when any drawing on your account (cheque, direct debit, transfer order, Credit Card Saver transfer) is dishonoured due to lack of available funds, or irregularity of drawing. Each item dishonoured $15.00 Disputed Transaction Enquiry Fee (Visa Debit Transactions) Each disputed transaction $12.00 This fee will not be payable where we have determined that the transaction was not authorised by the card holder. Electronic Transaction Error Correction Fee Payable, when the Bank is requested by you, or the recipient Financial Institution or Biller, to correct an error you have made with a BPAY payment Pay Anyone transaction, Direct Credit/Debit transaction and Multi Payment transaction. Overdrawn Fee Charged to your account on the day where drawings are paid by the Bank and the account subsequently becomes overdrawn without prior approved arrangements, or where an approved overdraft limit is exceeded. Each item paid, up to a maximum of once per account, per day $15.00 Photocopies Each page, excluding statements $0.20 Special Answers on Cheques Through the Australian Payments Clearing System by mail, telephone, facsimile By personal delivery $15.00 $60.00 each minimum (plus expenses) 15

16 State Penalty Enforcement Registry Fee Charged each time a payment made to the State Penalties State Penalty Enforcement Registry Fee Enforcement Registry Charged each time a payment is made to the State Penalties Statements Enforcement Registry Duplicate statement each statement Statements $3.00 Statement ordered at a branch each statement 1 $3.00 Duplicate statement each statement 1 $3.00 Statement ordered through Internet Banking Statement ordered at a branch each statement 1 $3.00 Statement fee - for issues other than monthly, quarterly Statement or ordered half-yearly through Internet Banking 1 $1.00 Statement Statement fee sent - to for overseas issues other address than monthly, each statement 1 quarterly or half-yearly 1 $1.00 $5.00 Repeat of previously issued statement each statement 2 $6.00 or $60 each Statement sent to overseas address each statement 1 $5.00 Faxed statement each statement 2 $2.25 Other Repeat statement of previously fees issued may also statement apply each statement 2 $6.00 or $60 each Transaction Faxed statement list issued each at statement a branch 2 each list 2 $2.25 $2.00 Other statement fees may also apply 1 These Transaction fees will be list charged issued to your at a account branch monthly each on list the 2 last day of the month or on the date you $2.00 close your account. 21 These fees are will be charged charged to your to your account account on monthly the day you on the request last day the of service. the month or on the date you close your account. 2 These fees are charged to your account on the day you request the service. Stop Payments Issued Cheques Stop Payments The total of this fee will be charged to your account monthly on the Issued last day Cheques of each month or on the date your account is closed. The Direct total Debits of this fee will be charged to your account monthly on the This last day fee of is payable each month for either or on a the temporary date your suspension account is or closed. a permanent Telegraphic cancellation Direct Debits Transfers of the Direct Debit Within payment. Australia Other financial institutions involved in the transfer may deduct additional fees. Telegraphic Transfers Within Australia Outward Other financial institutions involved in the transfer may deduct additional fees. Inward Outward Trace Inward Request For each request to perform a trace on any transaction type. Trace Request Transfer For each Fees request to to accounts perform a trace at another on any transaction Australian type. Financial Institution $15.00 $15.00 Periodical Transfer Fee each payment Transfer Fees to accounts at another Australian Financial Institution $3.50 Bank Transfer Fee (staff assisted) each payment $5.00 Periodical Transfer Fee each payment $3.50 Transfer Bank Transfer Fees to Fee accounts (staff assisted) at BOQ each payment $5.00 Periodical Transfer Fee each payment Transfer Fees to accounts at BOQ Excludes payments made via Internet Banking Periodical and EasyPhone Transfer Banking Fee each payment Excludes payments made via Internet Banking Unclaimed and EasyPhone Funds Banking Fee Charged when an account has been inoperative for 3 years Unclaimed Funds Fee or more as at 31 December. Charged when an account has been inoperative for 3 years Vouchers or more as and at 31 other December. records for searching Location and photocopying each Vouchers other records for searching $12.00 General search of records $60.00 each Location and photocopying each search minimum $12.00 Privacy General Act search access of records request $66.00 $60.00 each each minimum (GST inclusive) Privacy Direct debit Act validation access request search enquiry $66.00 each (GST inclusive) Direct debit validation search enquiry 16

17 SAFE CUSTODY SERVICES Safe Custody Envelope (annual fee) 406mm x 152mm 308mm x 254mm $20.00 Boxes (annual fee) First 8,000 cubic centimetres Each additional 1,000 cubic centimetres $2.50 Postmasters or others locked bags and boxes each lodgement Access fee Each inspection $2.00 PRODUCTS AND SERVICES NO LONGER OFFERED Minimum Monthly Balance Transaction Accounts 17 Choice Account Less than $1,000 $1,000 and over Ultimate Account Less than $1,000 $1,000 and over Account Maintenance Fee $5.00 Nil $5.00 Nil Monthly Card Fee (Visa Debit) $1.00 $1.00 Cashed Cheques $2.00 $2.00 Teller Withdrawals 2 free then $2 each 2 free then $2 each Cheques Written $ free then $1 each BOQ Balance Enquiry ATM & EFTPOS BOQ ATM/EFTPOS Withdrawals/Transfers/Balance Enquiry Other Bank ATM Withdrawal 5 free then $0.65 each 3 free then 15 free then $0.65 each $0.65 each Withdrawals $3.00 $3.00 Deposits ATM Operator Fee Internet Banking and EasyPhone Banking Funds Transfer and BPAY As disclosed on the ATM screen at the time of the transaction 10 free Internet and 10 free EasyPhone then $0.30 each As disclosed on the ATM screen at the time of the transaction 10 free Internet and 10 free EasyPhone then $0.30 each Single Pay Anyone $0.65 each $0.65 each Multi Payment $1.50 for up to 10 payments then $0.19 for each additional transaction $1.50 for up to 10 payments then $0.19 for each additional transaction Transfer Orders, Direct Debits and Direct Credits Transfer to BOQ Accounts Direct Debits Direct Credits International Transactions # Overseas Bank ATM Withdrawal $5.00 $5.00

18 Overseas Bank ATM Balance Enquiry $2.00 $2.00 Foreign Currency Transaction Fee (Accounts linked to a Visa Debit Card) 3.0% 3.0% Foreign Currency Transaction Fee (Accounts linked to a Credit Card) 3.4% 3.4% Account Maintenance Fee Exemptions: Upon request, the Account Maintenance Fee will be waived on a nominated account where customers: Are under 18 years of age Are a full-time student at a University, TAFE or Secondary School (annual renewal applies) Have a BOQ Home Loan # Only available if an account is linked to a Visa Debit Card or Credit Card. Please note that accounts linked to a Visa Debit Card can be accessed using both overseas ATM s and EFTPOS. Accounts linked to a Credit Card can be accessed via overseas ATM only. If you have an overdraft attached to your Ultimate Account, the fees set out in the Home and Personal Lending section for Personal Overdrafts will also apply to your Account. Other fees and charges (including government charges) may be payable. Easy Investment Account Minimum Monthly Balance $1,000 Branch Withdrawal ^ Balance Enquiry in-branch or through Internet Banking Internet Banking funds transfers ^ Internet Banking Pay Anyone Payments ^ Direct Debits and Credits ^ Multi Payment $1.50 for up to 10 payments then $0.19 for each additional transaction ^ Withdrawals and Deposits must be larger than the relevant minimum withdrawal or deposit limit. Government charges may be payable. This table does not represent all fees and charges that may be payable on your account. Line of Credit Accounts HELP I HELP II* $10 each month Maintenance Fee 40 free transactions per month then $0.60 each Agreed Credit Advance Fee* $60 each quarter Monthly Card Fee (Visa Debit) $1.00 Withdrawals $3.00 Deposits ATM Operator Fee As disclosed on the ATM screen at the time of the transaction EFTPOS $0.65 each BOQ ATM Balance Enquiry Internet Banking Funds Transfer and BPAY 10 free per month then $0.30 each Single Pay Anyone Payments $0.65 each $1.50 for up to Multi Payment 10 payments the $0.19 for each additional transaction Balance and Transaction History Enquiry EasyPhone Banking Funds Transfer and BPAY 10 free per month then $0.30 each Funds Transfers to third party BOQ Accounts & Credit Cards $0.65 each Balance and Transaction History Enquiry * A set fee charged quarterly on the last day of February, May, August and November. Please refer to your Loan Agreement for details of other fees and charges. 18

19 boq.com.au Issuer: Bank of Queensland Limited ABN Australian Financial Services Licence Number Australian Credit Licence Number

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