FEE DESCRIPTION. Establishment Fees Up to $4, $ $5, to $19, $ $20,000 & above 1% of loan amount

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1 Effective 27 February, 2014

2 1. PERSONAL LOANS UNSECURED: A) OVERDRAFT Establishment Fees Up to $4, $ $5, to $19, $ $20,000 & above 1% of loan amount Account Overdrawn/ Over Limit Fee refer Establishment Fees $10.00 per occurrence each day the account is overdrawn by $50.00 or more without arrangements Unarranged Excess Interest Rate B) TERM LOANS SECURED A) OVERDRAFT 18.5% per annum Establishment Fees Up to $4, $ $5, to $19, $ $20,000 & above 1% of loan amount refer Establishment Fees Establishment Fees Up to $4, $ $5, to $19, $ $20,000 & above 1% of loan amount Account Overdrawn/ Over Limit Fee Unarranged Excess Interest Rate refer Establishment Fees $10.00 per occurrence each day the account is overdrawn by $50.00 or more without arrangements. 18.5% per annum

3 B) TERM LOANS Establishment Fees Up to $4, $ $5, to $19, $ $20,000 & above 1% of loan amount Fees refer Establishment Property Inspection Fee $ CREDIT CARDS WESTPAC CLASSIC VISA CREDIT CARD Joining Fee Nil Annual Fee (2nd Year onward) $50 Fee is charged in advance Supplementary Cards - 2 free supplementary cards No joining or annual fee Late Payment Fee $15 Cash Advance Fee $10 Transaction Verification Fee $10 (Copy of sales voucher) Statement Copy Fee $10 Replacement Card Fee $10 Replacement PIN $5 Interest Free Period Government Levy Up to 55 days 2% on the monthly outstanding balance inclusive of interest and bank charges Foreign Exchange Conversion Fee* 2% *The 2% is charged by Westpac for any foreign currency transaction. The fee is applied to any converted value made in foreign currency and is included in the transaction amount. WESTPAC BUSINESS VISA CREDIT CARD Joining Fee Nil Annual Fee (2nd Year onward) $65 Fee is charged in advance

4 WESTPAC BUSINESS VISA CREDIT CARD (continued) Supplementary Cards - 2 free supplementary cards No joining or annual fee Late Payment fee $15 Cash advance $10 Transaction Verification Fee (Copy of sales voucher) $10 Statement copy fee $10 Replacement Card Fee $10 Replacement PIN $5 Emergency Card replacement Government Levy N/A 2% on the monthly outstanding balance inclusive of interest and bank charges Foreign Exchange Conversion Fee* 2% *The 2% is charged by Westpac for any foreign currency transaction. The fee is applied to any converted value made in foreign currency and is included in the transaction amount. WESTPAC AMERICAN EXPRESS CREDIT CARD Joining Fee / First Year Annual Fee - Green Credit card nil - Gold Credit Card nil - Business Credit Card nil Annual Fee (2nd Year onward) - Green Credit card $ Gold Credit Card $ Business Credit Card $65.00 Supplementary Card Application Fee - Credit card nil - Gold Credit Card nil per card - Business Credit Card nil per card Cash Advances $10.00 Local Electronic Transaction fees apply when withdrawing from linked transactional accounts. Transaction Verification Fee $10.00 Duplicate Statement (per page) $10.00

5 WESTPAC AMERICAN EXPRESS CREDIT CARD (continued) Lost/Stolen Card - Replacement (Local) $10.00 Replacement PIN $5.00 Emergency Card Replacement (overseas) (Temporary card lasts 2 Free Late Payment Fee $15.00 Interest Free Period Government Levy Up to 55 days 2% on the monthly outstanding balance inclusive of interest and bank charges Foreign Exchange Conversion Fee* From American Express 2% *A charge that is made in a foreign currency other than US Dollar will, when the conversion is done by American Express, be converted into US Dollars before being converted into your billing currency. American Express applies a fee of 2% of the converted value of any purchase or cash advance/withdrawal transaction made in foreign currency. This fee will be incorporated into the local currency equivalent of the transaction shown on your statement. 3. CAR LOANS Refer to Secured Personal Loans 4. PREMIUM OPTION HOME LOAN Establishment Fee Personal Customers (min.) - Resident $ Non - Resident $ Company/Trusts $ Up to $5, $ Above $5, $ Top-Up with Portability $ FNPF Housing Transfer Fee $ per application Switch Fee (switching from one loan product $ to another or from a variable rate to a fixed rate) Portability Fee $ (continue with loan but switch securities)

6 4. PREMIUM OPTION HOME LOAN (continued) Property Inspection Fee $80.00 Progess Drawdown Fee - Inspection Fee $50.00 per Inspection - Drawdown Fee $30.00 per drawdown for the first 6 drawdowns; thereafter $40.00 per drawdown Redraw Fee $20.00 per redraw Holding Fee: Loans not fully drawn down within 4 months 1% per annum from the date of acceptance of offer letter (grace period of 4 Progressive drawn Loans not fully drawn within 1% per annum 9 months from the date of acceptance of offer (grace period of 9 letter (fee is collected when draw is made based on amount undrawn up to that time) 5. INVESTMENT PROPERTY LOAN Establishment Fees Personal Customers -Residents $ Non-Residents $1, Company/Trusts $ $ Top-Up with Portability $ Switch Fee (switching from one loan product $ to another or from a variable rate to a fixed rate) Portability Fee $ (continue with loan but switch securities) Property Inspection Fee $80.00 Progess Drawdown Fee - Inspection Fee $50.00 per Inspection - Drawdown Fee $30.00 per drawdown for the first 6 drawdowns; thereafter $40.00 per drawdown

7 5. INVESTMENT PROPERTY LOAN (continued) Redraw Fee 6. BUSINESS ACCESS LOAN Establishment Fee Flat fee of $750 $ Top-Up with Portability $ Switch Fee (switching from one loan product to $ another or from a variable rate to a fixed rate) Portability Fee (continue with loan but switch securities) $ $20.00 per redraw Holding Fee: Loans not fully drawn down within 4 months 1% per annum from the date of acceptance of offer letter (grace period of 9 Progressive drawn Loans not fully drawn 1% per annum Within 9 months from the date of acceptance (grace period of 9 of offer letter (fee is collected when draw is made based on amount undrawn up to that time) Progess Drawdown Fee - Inspection Fee $50.00 per Inspection - Drawdown Fee $30.00 per drawdown for the first 6 drawdowns; thereafter $40.00 per drawdown Redraw Fee $50.00 per redraw Holding Fee Loans not fully drawn down within 4 months 1% per annum from the date of acceptance of offer letter (grace period of 4 Progressive drawn Loans not fully drawn within 1% per annum 9 months from the date of acceptance of offer (grace period of 9 letter (fee is collected when draw is made based on amount undrawn up to that time) 7. BUSINESS LOANS AND OVERDRAFTS 7. A) OVERDRAFTS Establishment Fee Up to $4,999 $ $5, to $19, $200.00

8 7. BUSINESS LOANS AND OVERDRAFTS 7. A) OVERDRAFTS (continued) $20,000 to $99,999 1% of loan amount $100,000 & above 0.75% of loan amount with minimum of $ refer Establishment Fees Loan Administration Fees Up to $ : $5.00 per month (pm) $1, to $4, : $10.00 pm $5, to $9, : $15.00 pm $10, to $19, : $20.00 pm $20, to $49, : $25.00 pm $50, to $99, : $35.00 pm $100, to $499, : $50.00 pm $500, to $999, : $ pm $1,000, & above : 0.25% per annum Account Overdrawn/ Over Limit Fee $15.00 per occurance each day the account is overdrawn by $ or more without arrangements Unarranged Excess Interest Rate 7. B) Term Loans 17.50% per annum Establishment Fee Up to $4,999 $ $5, to $19, $ $20,000 to $99,999 1% of loan amount $100,000 & above 0.75% of loan amount with minimum of $ refer Establishment Fees Progess Drawdown Fee - Inspection Fee $50.00 per Inspection - Drawdown Fee $30.00 per drawdown for the first 6 drawdowns; thereafter $40.00 per drawdown Loan Administration Fees Up to $ : $5.00 per month (pm)

9 7. B) Term Loans (continued) $1, to $4, : $10.00 pm $5, to $9, : $15.00 pm $10, to $19, : $20.00 pm $20, to $49, : $25.00 pm $50, to $99, : $35.00 pm $100, to $499, : $50.00 pm $500, to $999, : $ pm $1, to $4, : $10.00 pm $5, to $9, : $15.00 pm $10, to $19, : $20.00 pm $20, to $49, : $25.00pm $50, to $99, : $35.00 pm $100, to $499, : $50.00 pm $500, to $999, : $ pm $1,000, & above : 0.25% per annum Redraw Fee $50.00 per redraw Holding Fee: Loans not fully drawn down within 4 months 1% per annum from the date of acceptance of offer letter (grace period of 4 Progressive drawn Loans not fully drawn within 9 1% per annum months from the date of acceptance of offer letter (grace period of 9 (fee is collected when draw is made based on amount undrawn up to that time) 8. CANE FARM TERM LOAN Establishment Fee Up to $4,999 $ $5,000 to $19,999 $ $20,000 and above 1% of loan amount refer establishment Fee Loan Administration Fees Up to $1, : $5.00 per month $1, to $4, : $10.00 pm $5, to $9, : $15.00 pm $10, to $19, : $20.00 pm $20, to $49, : $25.00 pm $50, to $99, : $35.00 pm $100, to $499, : $50.00 pm $500, to $999, : $ pm $1,000, & above : 0.25% per annum Holding Fee: Loans not fully drawn down within 4 months 1% per annum

10 8. CANE FARM TERM LOAN (continued) from the date of acceptance of offer letter (grace period of 4 Progressive drawn Loans not fully drawn within 9 1% per annum months from the date of acceptance of offer letter (grace period of 9 (fee is collected when draw is made based on amount undrawn up to that time) 9. BONDS & GUARANTEES Establishment Fees 1% of Bond Amount (minimum of $80.00) Document Handling Fee Six Monthly Bond Fee $80.00 Stamping of indemnityon establishment 1% of bond amount (minimum of $40.00) Bond Cancellation Fee 10. WESTPAC EQUIPMENT FINANCE 1% of bond amount on prorate basis (minimum of $40.00) Document Handling Fee $ Search Fee $35.00 per item Finance Company Search $40.00 per chattel Valuation Fee (If required) $ Other Fees Legal Stamps - Operating Leasing Legal Stamps - Standard Leasing $10.00per document 1.75% of the loan amount. e.g. $100, debt will attract a stamp duty of $1, Land Transport Authority Noting Fee Land Transport Authority Release Fee 11. INSURANCE PREMIUM FUNDING Document Handling Fee Other Fees Legal Stamps - Insurance Premium Funding Contract $10.00 $9.00 per vehicle $9.00 per vehicle $ flat fee STAMP DUTY - COMMISSIONER OF STAMP DUTIES Prime documents 1.75% of the loan amount.

11 11. INSURANCE PREMIUM FUNDING (continued) Duplicate documents Unlimited/Limited Guarantees $5.00 per copy $ per document. Form of Discharge Memorandum of Transfer (Life Policy) Indemnity $10.00per discharge $10.00 per transfer $50.00 per indemnity REGISTRATION FEES - REGISTRAR OF TITLES/DEEDS Mortgage over Land (Titles Office) $3.50 Mortgage over Land (Deeds Office) $3.50 Bill of Sale (Deeds office) $2.30 Crop Lien $0.70 Discharge (Titles Office) $4.60 Discharge (Deeds Office) $2.95 Discharge Registration - Bill of Sale $1.20 Renewal of Bill of Sale $2.30 Discharge Registration - Crop Lien $0.70 Registration Fees - Companies Office $11.50 Discharge Registration Fees - Companies Office $ Holding Fee Loans not fully drawn down within 4 months 1% per annum from the date of acceptance of offer letter (grace period of 4 Progressive drawn Loans not fully drawn within 1% per annum 9 months from the date of acceptance of offer (grace period of 9 letter (fee is collected when draw is made based on amount undrawn up to that time) 13. OTHER LOAN FEES Legal Stamps - Contracts (new) $10.00 Legal Stamps - Business Finance Agreement $10.00 STATUTORY CONSENT FEES I Taukei Lands Trust Board Consent - Residential Leases $ I Taukei Lands Trust Board Consent - Commercial Leases $ Crown Lands Consent Fee $ Housing Authority Consent Fee $110.00

12 13. OTHER LOAN FEES (continued) DOCUMENT HANDLING FEE Document Handling Fee - Fixed & Floating Charge Preparation (for companies only) Up to $1,000, $1, Above $1,000, $1, Document Handling Fee Document Handling Fee - Where additional work is involved eg. obtaining NLTB, Director of Lands, consent, etc Registration Fee Stamping Fee Search Fee Finance Company Search Late Payment Fee $ per document $ per dealing $ per document $ per prime document; $40.00 per collateral document $35.00 per item $40.00 per chattel $25.00.a grace period of 7 days is applicable IMPORTANT CUSTOMER NOTICE Prior notice of 30 days would be given on any increase(s) or new fee(s) and charge(s). For further information please call the Westpac Customer Service Call Centre on (Business Days 8am to 6pm) or ask for details at any Westpac Branch or for Postal P. O. BOX 238, Suva. Westpac Banking Corporation. ABN The liability of members is limited.