PERSONAL LOANS (Including Secured & Unsecured Term Loans: Set Personal Loan - Revolving and Reducing)

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1 PERSONAL LOANS (Including Secured & Unsecured Term Loans: Set Personal Loan - Revolving and Reducing) Establishment Fees Up to $ $50.00 $ to $4, $ $5, to $14, $ $15, to $49, $ $50,000 and over 1% of limit amount Personal Loans for Medical & Funeral and Discounted by 25% Education and Loans secured against TD $25.00 per action Line of Credit Fee (Personal Revolving Loans only) Based on the Tiered Balance - based on the Balance of loan as at end of month. Balance Per Month Up to $4, $5.00 $5, to $14, $10.00 $15, to $49, $25.00 $50, to $99, $30.00 $100, to $499, $50.00 $500, to $999, $ $1M and over $ HOUSING LOANS (Includes Owner Occupied & Residential Investment Property Loans offered under Super Dream, Dream, Executive, Disaster Rehab-Dream Packages) Establishment Fees Up to $ $50.00 $ to $4, $ $5, to $14, $ $15, to $49, $ $50,000 and over 1% of limit amount 1st Home Loan and Loans secured against TD Discounted by 25% FNPF Fee FNPF Housing Application Fee Product Switch Fee Switch Fee or Restructure $ per application (plus FNPF costs) $ per account $25.00 per action

2 HOUSING LOANS cont'd. Inspection Fee Inspection Fee $50.00 per visit BUSINESS LOANS (All Commercial related funding: Plus Point, Property Investment, Top Gear, Working Capital, Indemnity Guarantee, EXIM, SME, Cane Farm, Rural Micro Finance and Disaster Rehab facilities) Establishment Fees Up to $ $50.00 $ to $4, $ $5, to $14, $ $15, to $49, $ $50,000 and over 1% of limit amount Loans secured against TD Discounted by 25% $25.00 per action Line of Credit Fee (Personal Revolving Loans only) Based on the Tiered Balance - based on the Balance of loan as at end of month. Balance Per Month Up to $4, $5.00 $5, to $14, $10.00 $15, to $49, $25.00 $50, to $99, $30.00 $100, to $499, $50.00 $500, to $999, $ $1M and over $ RURAL BANKING MICRO-FINANCE LOAN Loan Administration Charge Loan (charged once a month if a repayment is not made in that month) CANE FARM LOAN $5.00 per month $25.00 per default $25.00 per 6 monthly default

3 LOAN ADMINISTATION/MONTHLY SERVICE FEES (Charged on all Term Loan Accounts only) Balance Per Month 1st Home Loan Up to $4, $5.00 $5, to $14, $10.00 $15, to $49, $25.00 $50, to $99, $30.00 $100, to $499, $50.00 $500, to $999, $ $1M and over $ LOAN REDRAW FEE (Redraw Account) Up to $4, $25.00 $5, to $14, $50.00 $15, to $49, $ $50, to $999, $ $1M and over 0.5% of the redraw amount DEMAND NOTICE FEE (per action) Loan and Overdrafts less than $300, Loan and Overdrafts $300, and over MORTGAGEEE SALE ADMIN FEE (per action) Loan and Overdrafts less than $300, Loan and Overdrafts $300, and over $ per demand plus out of pocket expenses $ per demand plus out of pocket expenses $ per action $ per action SETTLEMENT OUTWARD FEE (at settlement) All Customers $ Issue of settlement letter $50.00 per letter Mortgage Discharge Fee including Bill of Sale $ plus $25.00 per additional document Discharge of Term Deposit & Life Policy Assignment $50.00 per document DOCUMENTATION FEES AND CHARGES Security Documentation Fee Assignment over Deposits and Life Policies and Microfinance Loans (if Secured) Bill of Sale or Crop Lien (including renewal) Mortgage (Personal/Housing/Cane Farm/ Agricultural/SME/Executive Loans) $ plus $50.00 per additional document $ per document $ plus $50.00 per additional document

4 DOCUMENTATION FEES AND CHARGES cont'd. Mortgage (Business Loans) FNPF Documentation (Housing Loans) Search Fee Registration Search Fee Company Search Fee Bill of Sale Search Fee Title Search Fee LTS Search Fee Consent Fee All customers $ plus $ per additional document $ per document plus $50.00 per additional document $20.00 per registration $20.00 per company $20.00 per vehicle per financer $20.00 per title $20.00 per vehicle UNSTAMPING FEE & RENEWAL FEE (at settlement) Personal/Housing loans Executive loans Business loans Asset finance FNPF unstamping Document Retrieval Fee Photocopy of security documents Document Production Fee All loans Each additional document Photocopy charges for other document Execution of documents by Bank's Attorney $ plus $50.00 per additional document $ plus $50.00 per additional document $ plus $50.00 per additional document $ per unstamping of documents $5.00 per page $75.00 per document $25.00 per document $2.00 per page VALUATION FEES Agricultural/Cane Farm Properties $ Residential Properties Vacant land $ Single storey $ Double storey / 2 Units $ Multi units $ Additional fee for outside Business area * $50.00 plus out of pocket expenses * Beyond a 30km radius from unusual business location of Panel Valuer.

5 VALUATION FEES cont'd. Commercial and Industrial Properties All SME loans $ All Commercial and Industrial properties $ valuation up to $500, All Commercial and Industrial properties $ valuation above $500, Additional fee outside Business area * * Beyond a 30km radius from unusual business location of Panel Valuer. Plant Machinery Valuation Plant Machinery $1, per plant (incl. equipment) $ per machine (incl. equipment) Desk and Curbside Valuation Desk valuation $ Curbside valuation 50% of the existing structured fee Insurance Valuation Single structure $ Multiple structures $ plus $50.00 per additional structure INDEMNITY GUARANTEE Indemnity Guarantee Establishment Fee: Indemnity Guarantee: - Personal/Business Gurantees or Bonds issued by the Bank on behalf of the customer for Customs, Electricity, Payment of Cheques, Perfomance Contracts, Immigration Bonds etc. Establishment charge Personal 1.5% (min $50.00) Executive 1.5% (min $75.00) Business 1.5% (min $100.00) Half yearly charge Personal 1.5% (min $25.00) Executive 1.5% (min $50.00) Business 1.5% (min $100.00) Indemnity Guarantee Cancellation Fee: All customers NON COMPLIANCE RATE Non submission of financial data, breach of covenant/conditions on expiry advice notices $50.00 per IG Plus 2% per annum on existing prevailing rate

6 COMMITMENT FEE - PERSONAL/BUSINESS Fee is charged where Credit Facility is not drawn within 3 months of Acceptance of Loan Offer 1% per annum on the amount of unused limit/undrawn balance charged on the anniversary date of loan acceptance (i.e. after 3 months have lapsed) and thereafter on monthly basis until the loan is fully advanced. LETTER OF UNDERTAKING Issued for Visa purposes (each letter) $50.00 Exemption may be allowed on case by case pending security documentation. INSURANCE PREMIUMS Paid on behalf of customer (Life Insurance only) Paid on behalf of customer (Mortgage Protection Insurance) $20.00 per transfer $20.00 per transfer Paid on behalf of customer (General Insurance) All household premiums $20.00 OPTIONS / AUDIT CONFIRMATION CERTIFICATES Issued at customer's request STATEMENTS Statements issued every 6 months Special requests for issue of statements on a daily, weekly, monthly etc. Basis Repeat statements (each additional copy) Computer printout over the counter $50.00 per request Free $2.00 per statement $5.00 per statement $2.00 per page