How To Save Money On Your Banking With Anz

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1 and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 2 Savings accounts... 5 Cards... 6 Foreign Currency Account... 9 Foreign Currency Term Deposit... 9 Lending fees... 9 Business Banking...10 Agri Banking...11 ANZ Private...12 Non-Standard...12 To enquire about any of these and Charges, or for more information on any of our products or services, please call , visit your local branch or anz.co.nz. Saving money on your banking Our staff will be happy to show you how you could make changes to take advantage of the following lower cost ways of banking: Ensure you only pay for the features you need by making sure you have the right account If you re paying by EFTPOS, withdraw any cash you need at the same time By doing more of your banking with ANZ, you may qualify for additional benefits, including special fee waivers Use ANZ Internet Banking, Phone Banking, or ATMs to keep track of your balances Use ANZ Mobile Phone Banking to check account balances and receive mini statements while you re on the go If you are at school or in tertiary education, starting your first job or graduating, ANZ has special packages that can save you bank fees If you are receiving National Superannuation you re eligible for the ANZ Freedom Years Package. within this document are defined as follows: Automated transactions include EFTPOS transactions, ATM transactions (excluding ATM deposits), direct debits and direct credits, and all electronic transactions made through ANZ Phone Banking, Mobile Phone Banking and Internet Banking* Manual transactions include ATM deposits, cheques and transactions handled by our staff at a branch or by phone Service and access fees (Non-Standard ) may apply in addition to any fees stated. For more information on Non-Standard that apply, refer to pages of this document. * Registration is required for ANZ Phone Banking, Mobile Phone Banking and Internet Banking. Telephone, mobile operator and internet service provider charges may apply to these services. Everyday accounts ANZ FREEDOM An everyday account that gives you the freedom to bank the way you want to. Your monthly account fee will be waived each month that you deposit at least $2,500 into the account.* Flexibility of an overdraft facility (on application). Easy access to your account 24 hours, 365 days. No annual card fee for an ANZ Visa Debit card when linked to an ANZ Freedom account.^ Monthly account fee... $5 Your monthly account fee is waived each month that you deposit at least $2,500 into the account.* Automated transaction fee... nil Manual transaction fee... nil Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater. Deposit $2,500 or more into your account each month. For more information on Non-Standard which apply to * Deposits exclude transfers made between any of your ANZ accounts. ANZ GO An everyday account that enables you to avoid monthly account and transaction fees when you do your banking electronically. No monthly account or automated transaction fees. Flexibility of an overdraft (on application). The choice of an ANZ Visa ^ Easy access to your account 24 hours, 365 days. Monthly account fee... nil Automated transaction fee... nil Manual transaction fee... $3 Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater. 1

2 and Charges A close look at our products and services Use our electronic banking channels such as ANZ Internet Banking, gomoney mobile app, and Phone Banking for convenient access 24 hours, 365 days. Minimise manual transactions such as cheques and branch deposits to help avoid fees. For more information on Non-Standard which apply to ANZ SELECT An interest-bearing everyday account for customers who keep an average monthly balance of $5,000 or more. Easy access to your account 24 hours, 365 days. Earn tiered interest on credit balances $5,000 and over. The choice of an ANZ Visa ^ Your monthly account fee will be waived if you keep an average monthly balance of $5,000 or more. Monthly account fee (waived if average monthly balance is $5,000 or more)... $15 Automated transaction fee... nil Manual transaction fee... nil Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater. Ensure an average monthly balance of $5,000 or more is maintained in your account each month to help avoid fees. For more information on Non-Standard which apply to ANZ SCHOOL PLUS A first bank account for school students and under 18s, with no monthly account or transaction fees. An everyday and savings account all in one. No monthly account or transaction fees. No fees to set up and make Automatic Payments or Bill Payments. The choice of an ANZ Visa ^ Interest paid on all balances. Monthly account fee... nil Automated transaction fee... nil Manual transaction fee... nil For more information on Non-Standard which apply to ANZ FLEXIBLE HOME LOAN An ANZ Flexible Home Loan gives you flexibility over how you use your money. Access to additional funds within the set limit at any time. Ability to run your income through the account, minimising daily interest. Application fee (owner occupied)...up to $500 Application fee (all other lending)... up to 1% of the loan amount Monthly account fee... $12.50 Our lending criteria and terms and conditions apply. ANZ Flexible Home Loans cannot be used for a business purpose. Close all other everyday accounts and use your ANZ Flexible Home Loan as the central account. Run all personal income through the account, including salary, any bonuses or lump sum payments. For more information on Lending and Non-Standard which apply to this account, see pages 9 and respectively, of this document. Packages ANZ TERTIARY PLUS PACKAGE A banking package designed specifically for students studying at a recognised New Zealand tertiary institution or NZQA accredited course with a minimum duration of at least one year. An ANZ Freedom account with no monthly account and transaction fees. Interest-free overdraft on application (up to $1,000 for first year of study and up to $2,000 for remaining years on package). An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account.^ Your choice of an ANZ MasterCard or ANZ Visa ($500 credit limit applies).* You can apply for a personal loan with no approval fee.* No fees to set up and make Automatic Payments or Bill Payments via ANZ Internet Banking. * ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards, ANZ personal loans and overdrafts. 2

3 and Charges A close look at our products and services Freedom account fees Monthly account fee... nil Automated transaction fees... nil Manual transaction fees... nil Monthly Overdraft Management fee... $3 For more information on Non-Standard which apply, refer to pages of this document. ANZ INTERNATIONAL STUDENT PACKAGE A special banking package for international students enrolled for at least six months of full-time study at a language school or tertiary institution approved by the NZQA. An ANZ Freedom account with no monthly account or transaction fees. An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account.^ Your choice of an ANZ MasterCard or ANZ Visa ($500 credit limit applies).* Must be 18 years old or over. Must hold a minimum six month study visa. Must be enrolled for at least six months of full-time study. Annual credit card account fee applies. No fees to set up and make Automatic Payments or Bill Payments via ANZ Internet Banking. Freedom account fees Monthly account fee... nil Automated transaction fees... nil Manual transaction fees... nil For more information on Non-Standard which apply, refer to pages of this document. * ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards. ANZ GRADUATE PLUS PACKAGE A banking package for customers who have graduated from a recognised tertiary institution within the last 12 months. An ANZ Freedom account with no monthly account or transaction fees. No interest on the first $2,000 of your overdraft for up to one year (on application). An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account.^ Your choice of an ANZ credit card on application with no annual account fee for the first year.* You can apply for a personal loan with no approval fee.* Freedom account fees No monthly account or transaction fees. After one year you will be transferred to the everyday account which best suits your banking needs. Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater. For more information on Non-Standard which apply, refer to pages of this document. * This benefit can be taken up at anytime in the first year of your package. ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards, ANZ personal loans and overdrafts. ANZ WORKSTART PLUS PACKAGE A banking package with special benefits for customers who have left school and are starting out in the workforce. An ANZ Freedom account with no monthly account or transaction fees. An ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account.^ Your choice of an ANZ credit card on application with no annual account fee for a year.* Freedom account fees No monthly account or transaction fees on the ANZ Freedom account. After one year you will be transferred to the everyday account which best suits your banking needs. Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater. For more information on Non-Standard which apply, refer to pages of this document. * This benefit can be taken up at anytime in the first year of your package. ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards. ANZ OE PACKAGE Once you make the decision to go on your OE, this package has special benefits to help you plan and save for your OE, and manage your money while you re away. An ANZ Go account with no monthly account fee to manage your money in New Zealand while you re away. Option to open an ANZ Foreign Currency Account. Helpful information and tips on banking and travel to ensure your OE is a success. Details are available from your nearest branch or contact us on For more information on Non-Standard which apply, refer to pages of this document. 3

4 and Charges A close look at our products and services ANZ MIGRANT BANKING PACKAGE A selection of great personal and business banking products, plus unique discounts and benefits, our Migrant Banking Package will make settling in easy. If you have a Work or Resident Visa you will be eligible to apply for the unique benefits of our Migrant Banking Package to help you get set up in New Zealand. The Migrant Banking Package is available for a duration of three years. Benefits With this package, you can access: Personal: ANZ Credit Cards: Take up a new ANZ personal credit card and you ll pay no annual fee (including additional card fee) for the first 12 months saving you up to $150. 1, 2 ANZ Overdraft: No overdraft application fee (normally $25) and based on your gross salary and our preapproval criteria, you could get: Pre-approved overdraft limit of $500 when gross salary is between $30,000 and $59, Pre-approved overdraft limit of $1,000 when gross salary is above $60, ANZ Personal Loan: Get an ANZ Personal Loan and you ll pay no loan approval fee (normally $250). UDC Vehicle Finance: Receive a discount of 1.00% p.a. off the standard interest rate for UDC Vehicle Finance (minimum loan $10,000). 4 Online International Money Transfer: An ANZ International Money Transfer issue fee of $10 per transaction using ANZ Internet Banking Send Money Overseas service. Overseas bank charges may apply. 5 Business Banking: ANZ Business Current account: No transaction or monthly account fees on your ANZ Business Current Account for the first year. Business Credit Card: An ANZ Visa Business Card helps keep your personal and business spending separate; as a bonus if you choose the CashBacks option you will receive 5,000 complimentary CashBack points 6 or if the Low Rate option is taken a discounted rate of 7.95% p.a. for 12 months on purchases 7,8 Business loans: No loan approval fee (normally 1% of loan amount, min $250). ANZ Business Overdraft: No overdraft application fee (normally 1% of loan amount, min $75). Online International Money Transfer: An ANZ International Money Transfer issue fee of $10 per transaction using ANZ Internet Banking Send Money Overseas service. Overseas bank charges may apply $150 is the annual fee for an ANZ Airpoints Visa Platinum card. The additional card fee is $ Our lending criteria and fees apply. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch. 3. Salary must be credited to an ANZ everyday account. 4. UDC Finance Limited is a wholly-owned subsidiary of ANZ and specialises in lending for assets such as vehicles. Terms, conditions and fees apply. 5. Online International Money Transfer fee discount is exclusive to ANZ Internet Banking Send Money Overseas service (registration may apply). Standard International Payment fees and charges apply when completed by ANZ Branch or ANZ International Phone Banking. Standard overseas bank charges apply. 6. The offer of 5,000 CashBack Points will be credited to your account within two months of your first use of your card, provided you are operating your account within the Visa Business card Conditions of Use. 7. After 12 months, our standard interest rate will apply. Interest rates are subject to change and are available from anz.co.nz 8. Lending criteria, terms, conditions and fees apply. Full details are contained in the ANZ Visa Business card Conditions of Use available from anz.co.nz or any ANZ branch. For more information on Non-Standard which apply to this Package, refer to pages of this document. are subject to change. Package details, fees and interest rates are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. A copy of our Reserve Bank Disclosure Statement is available online at anz.co.nz or a request for a copy can be made at any ANZ branch free of charge. ANZ FREEDOM YEARS PACKAGE A banking package with special benefits for customers who have National Superannuation (or equivalent) credited into their ANZ Freedom account. An ANZ Freedom account with no monthly account or transaction fees. An ANZ Visa Debit card with no annual card fee (when linked to an ANZ Freedom account). You can choose from a selection of our credit cards with either no annual card fee or a reduced annual card fee.* * ANZ lending criteria, terms, conditions and fees apply to all ANZ credit cards. 4

5 and Charges A close look at our products and services Freedom account fees No monthly account or transaction fees on the ANZ Freedom account. Monthly Overdraft Management fee % (min $5) Calculated as a percentage of the agreed overdraft limit or the overdrawn balance, whichever is greater. For more information on Non-Standard which apply, refer to pages of this document. Credit cards The following credit cards will have the annual account fee waived: ANZ Visa, ANZ MasterCard, ANZ CashBack Visa and ANZ CashBack MasterCard. The following credit cards will have half the annual account fee waived: ANZ Visa Gold, ANZ Gold MasterCard, ANZ CashBack Visa Gold, ANZ CashBack Visa Platinum and ANZ CashBack Platinum MasterCard. The following credit cards are not included in this package: ANZ Low Rate MasterCard, ANZ Low Interest Visa, ANZ Airpoints Visa, ANZ Airpoints Visa Platinum, Qantas ANZ Visa, Qantas ANZ Visa Platinum. Savings accounts ANZ SERIOUS SAVER A savings account that rewards your commitment to saving. Earn interest on every dollar. Premium interest each month you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month. Monthly account fee... nil Automated and manual deposit fee... nil Automated and manual withdrawal fee... $5 You won t pay for your first withdrawal, however to earn Premium interest, you need to make no withdrawals. Set up an automatic payment to deposit at least $20 each month and make no withdrawals so you earn Premium Interest each month. For more information on Non-Standard which apply to ANZ ONLINE Access your money anytime and you ll still earn the full rate of interest. You earn a competitive interest rate on every dollar in your account. Access your money as often as you like through ANZ Internet Banking, our gomoney mobile app, Phone Banking and branches, and you ll still earn the full rate of interest. No monthly account fee or automated transaction fees. Monthly account fee... nil Automated and manual deposit fee... nil Automated withdrawal fee... nil Manual withdrawal fee... $3 Use ANZ Internet Banking, our gomoney mobile app, and Phone Banking if you need to withdraw money from your account to avoid fees. For more information on Non-Standard which apply to ANZ READY SAVER A simple account that gives you ready access to your money. A higher rate of interest as your savings grow. The ability to set aside money for upcoming expenses, and still earn interest. The flexibility to access your money anytime you need. Interest rate tiers $0 $4,999 $5,000 + Monthly account fee... $2 Waived if average daily balance for the month is $500 or more. Automated and manual deposit fee... nil Automated and manual withdrawal fee... $1 Keep your average daily balance for the month above $500 and the monthly account fee will be waived. Have a balance of $5,000 or more to earn a higher rate of interest. For more information on Non-Standard which apply to 5

6 and Charges A close look at our products and services Cards ANZ VISA DEBIT A Visa Debit card is like an EFTPOS card, only better as you can use it anywhere Visa is accepted using funds from your everyday or savings account. You can make purchases online, over the phone, overseas and in stores using funds from your everyday or savings accounts. Has a chip to keep your card details more secure. Access to Visa Entertainment. Annual card fee...$10 p.a. No charge when linked to an ANZ Freedom account. Replacement card fee... $15 ANZ MASTERCARD/ANZ VISA The card for everyday use. Low annual account fee. Up to 55 interest-free days on purchases. Primary card fee...$30 p.a. Joint* or Additional card fee...$10 p.a. ANZ GOLD MASTERCARD/ANZ VISA GOLD The Gold card that is a great travel partner. Up to 55 interest-free days on purchases. Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.** Terms, conditions and exclusions apply. Primary card fee...$75 p.a. Joint* or Additional card fee...$25 p.a. Avoid transaction fees (except for cash advances see pages 8-9 for details) on your everyday account by using your credit card to pay for groceries, bills etc. * Existing customers only. ** A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance is issued/insured by AIG Insurance New Zealand Limited. ANZ LOW RATE MASTERCARD The card that gives you a lower interest rate on purchases. Key benefit Low interest rate. Primary fee...$29 per half year Joint* or Additional card fee...$9 per half year With a low interest rate you could save on your interest payments. * Existing customers only. ANZ CASHBACK The card that rewards you with cash back. CashBack Rewards gives you up to 1% cash back on eligible purchases*, up to a maximum of $30,000 spend per CashBack year. Up to 55 interest-free days on purchases. Visa or MasterCard option. Primary fee...$60 p.a. Joint** or Additional card fee $10 p.a. Spend at least $5,000 on purchases (up to $30,000) in a 12 month period to qualify for CashBack Rewards. The CashBack year runs from the date of your first purchase for a 12 month period. Avoid transaction fees (except for cash advances see pages 8-9 for details) on your everyday account by using your credit card to pay for groceries, bills etc. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Existing customers only. ANZ CASHBACK PLATINUM The Platinum card that rewards you with cash back. CashBack Rewards gives you up to 1% cash back on eligible purchases* per CashBack year. Up to 55 interest-free days on purchases. Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.** Terms, conditions and exclusions apply. Visa or MasterCard option. 6

7 and Charges A close look at our products and services Primary fee...$125 p.a. Joint^ or Additional card fee...$30 p.a. Spend at least $5,000 on purchases in a 12 month period to qualify for CashBack Rewards. The CashBack year runs from the date of your first purchase for a 12 month period. Avoid transaction fees (except for cash advances see pages 8-9 for details) on your everyday account by using your credit card to pay for groceries, bills etc. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance is issued/insured by AIG Insurance New Zealand Limited. ^ Existing customers only. ANZ AIRPOINTS VISA The card that helps you earn Airpoints Dollars faster. Earn 1 Airpoints Dollar for every $120 you spend on eligible purchases.* Your Airpoints Dollars don t expire while you re an account holder. No Airpoints joining fee (save $50). No annual Airpoints membership fee (save $30). Up to 50 Airpoints Dollars Advance (if you haven t earned quite enough Airpoints Dollars to redeem, you can get an Airpoints Advance).** Up to 44 interest-free days on purchases. ANZ AIRPOINTS VISA PLATINUM The Platinum card that helps you earn Airpoints Dollars faster. The benefits of the ANZ Airpoints Visa, with some exclusive extras: You ll earn 1 Airpoints Dollar for every $75 you spend on eligible purchases*, plus 1 Status Point for every $250 you spend on eligible purchases.* No Koru joining fee (save $255) and a discounted annual Koru membership fee of $361 (usual price is $506).** You can get an Airpoints Advance of up to 200 Airpoints Dollars.** Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.^ Terms, conditions and exclusions apply Visa Platinum Privileges and Concierge Service. Commission-free foreign currency from any ANZ branch in New Zealand. Primary card fee...$75 per half year Joint^^ or Additional card fee...$12.50 per half year Remember to use your ANZ Airpoints Visa Platinum for everyday purchases to earn as many Airpoints Dollars as possible. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Air New Zealand Airpoints programme terms and conditions apply. Visit airnz.co.nz for more details. Airpoints and Airpoints Dollars are trademarks owned by Air New Zealand Limited. Primary card fee...$32.50 per half year Joint^ or Additional card fee...$5 per half year ^ A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance and Platinum Card Transport Accident Insurance are issued/insured by AIG Insurance New Zealand Limited. Remember to use your ANZ Airpoints Visa for everyday purchases to earn as many Airpoints Dollars as possible. * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Air New Zealand Airpoints programme terms and conditions apply. Visit airnz.co.nz for more details. Airpoints and Airpoints Dollars are trademarks owned by Air New Zealand Limited. ^ Existing customers only. ^^ Existing customers only. QANTAS ANZ VISA The card that helps you earn Qantas Points faster. Up to 44 interest-free days on purchases. Earn 1 Qantas Point for every $1 you spend on eligible purchases* up to $5,000 per annum in a Points Year. After that earn 1 Qantas Point for every $2 spent on eligible purchases in a Points Year. 7

8 and Charges A close look at our products and services Primary card fee...$75 p.a. Joint** or Additional card fee...$40 p.a. A Points Year runs from 1 April to 31 March. Use your card for your everyday purchases to earn rewards faster. This also helps you to avoid transaction fees on your everyday account (except for cash advances see pages 8-9 for details). * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** Existing customers only. Points accrue in accordance with the Qantas ANZ Visa Reward Terms and Conditions. The Account Holder must be a member of the Qantas Frequent Flyer program to earn points and notify ANZ of their Qantas Frequent Flyer number. Membership and points are subject to the Qantas Frequent Flyer Terms and Conditions. A joining fee may apply. Points accrue in accordance with the Qantas ANZ Visa Reward Terms and Conditions. The Account Holder must be a member of the Qantas Frequent Flyer program to earn points and notify ANZ of their Qantas Frequent Flyer number. Membership and points are subject to the Qantas Frequent Flyer Terms and Conditions. A joining fee may apply. ANZ VISA BUSINESS CARD The ANZ Visa Business Card could save you countless hours on administration, so you have more time to help you progress your business sooner. You ll also be able to: simplify and separate your business and personal expenses receive up to 55 interest free days on purchases choose from three card options to best suit your business; CashBack Rewards, Low Interest, or Low Fee. Primary card QANTAS ANZ VISA PLATINUM The card that helps you earn Qantas Points faster. Account Fee Low Rate option Low Fee option CashBack Reward option /Charges $70.00 p.a. $40.00 p.a. $95.00 p.a. Up to 44 interest-free days on purchases. Earn 1 Qantas Point for every $1 you spend on eligible purchases* up to $20,000 p.a. in a Points Year. After that earn 1 Qantas Point for every $2 spent on eligible purchases in a Points Year. Overseas Travel Insurance when you pay for at least half of your pre-paid travel expenses with your card.** Terms, conditions and exclusions apply. Visa Entertainment Platinum Privileges. Visa Platinum Concierge service. Commission-free foreign currency from any ANZ branch in New Zealand. Primary card fee...$150 p.a. Joint^ or Additional card fee...$50 p.a. A Points Year runs from 1 April to 31 March. Use your card for your everyday purchases to earn rewards faster. This also helps you to avoid transaction fees on your everyday account (except for cash advances see pages 8-9 for details). * Eligible purchases do not include cash advances, balance transfers, the purchase of cash substitutes (such as travellers cheques), gambling transactions or business related expenditure. ** A policy document is available through any ANZ branch or by calling AIG on Overseas Travel Insurance and Platinum Card Transport Accident Insurance are issued/insured by AIG Insurance New Zealand Limited. ^ Existing customers only. Joint or additional card Account Fee Low Rate option Low Fee option Cashback Reward option CREDIT CARD NON-STANDARD FEES /Charges $15.00 p.a. $15.00 p.a. $20.00 p.a. Statement copy... $3 per copy Dispute handling fee... $15 Lost/Stolen card replacement... $10 per card (minimum) Urgent card delivery...courier fee (domestic and international) Replacement card...$10 per card Late payment fee... $15 Applies if the minimum monthly payment is not paid by the payment due date. Over limit fee... $15 Applies if you are over your credit card limit on your statement date. Cash Advance Fee On credit and debit balances. All personal credit cards in New Zealand ANZ ATMs, Mobile Phone Banking, Phone Banking and Internet Banking... $1 Staff assisted... $3 Other bank ATMs... $3 Applies to each cash advance made at ASB, BNZ, HSBC, Kiwibank, TSB and Westpac ATMs. 8

9 and Charges A close look at our products and services Cash Advance Fee overseas Overseas ATM and staff assisted... $5 Applies to all credit cards. Banks and other financial institutions who own overseas ATMs may charge a fee for using them, or for cash advances made over the counter. ANZ will charge overseas issued cards a fee for using an ANZ New Zealand ATM. Currency conversion charges of 2.5% of the NZD amount also apply to foreign transactions. CREDIT CARD, VISA DEBIT AND EFTPOS CARD OPTIONAL SERVICE FEES Currency conversion charge...2.5% of the NZD amount Applies to foreign currency transactions. Includes transactions through the MasterCard, Maestro and Visa PLUS networks. Visa Debit and EFTPOS card standard fees EFTPOS card fee... no charge Visa Debit card fee...$10 p.a. No charge when linked to an ANZ Freedom account. Visa Debit and EFTPOS card Non-Standard Replacement card... $15 Urgent card delivery...courier fee (domestic and international) My Photo Card... no charge For more information on Non-Standard which apply (for example, ATM fees), refer to pages of this document. Foreign Currency Account No monthly account fee No fee to transfer between your own ANZ accounts (note: standard fees and charges will apply to your NZD account). We charge services fees and charges for depositing or withdrawing money in a foreign currency from your ANZ Foreign Currency Account. There are separate charges for making and receiving payments from/to your ANZ Foreign Currency Account. For International Payments overseas bank charges may apply. apply for the following transactions across your ANZ Foreign Currency Account: Inward Payments International Money Transfers Foreign Currency Funds Transfer to third party ANZ bank account via ANZ branch Foreign cheques International Bank Drafts Foreign Cash cash handling fees apply Interest We can also charge interest on any amounts you owe us. We ll calculate interest daily on any amounts you owe us at an interest rate we decide applies to you. We ll charge this interest to your account monthly on the last business day of the month until you ve repaid these amounts. Details of applicable interest rates that we charge can be obtained by calling or asking at any branch. Foreign Currency Term Deposit A Foreign Currency Term Deposit is a fixed term investment designed for those who want certainty of an interest rate that s fixed for the duration of the investment term and don t require their funds on call. No fees are charged for Foreign Currency Term Deposits however an adjustment to returns will apply if early repayment is required. For more information visit your nearest branch, or contact us on Lending fees Home loan fees Application fee (owner-occupied)...up to $500 Application fee (all other lending)...up to 1% of the loan amount Loan Top-Up fee... $250 Low Equity Premium For lending where a loan amounts to 80% or more of a property s value Loan to value ratio... % of the loan amount charged 80.01% 85.00% % 85.01% 90.00% % Over 90.01% % Early repayment of fixed-rate home loans Early Repayment Administration fee... $100 Early Repayment Recovery...Variable depends on loss at time of repayment. See loan terms and conditions. Reserving a fixed interest rate fee Reserving a fixed interest rate... free Non-utilisation Recovery...Variable depends on loss at time of repayment. See loan terms and conditions. For more detail on these fees, please refer to the Non-Standard & Charges section on pages

10 and Charges A close look at our products and services Security and other fees (apply to all home loans) Discharge or Execution fee... $100 We charge this fee to document and complete any other transaction to do with the security we have for your loan or facility, including a discharge or release of that security. We ll charge the fee when we complete the transaction. We may also charge you a Consent fee for some transactions of this kind. Consent fee... $40 We charge this fee to process requests to do with the security we have for your loan or facility. We ll charge this fee when we complete the transaction. We may also charge you a Discharge or Execution fee for some transactions of this kind. Additional documents... $10 per document We charge this fee for each extra copy of any documents to do with a customer s loan or facility. The fee doesn t apply when we send a replacement statement, instead we ll charge a Duplicate Statement fee. Security Transfer or Redocumentation fee... $250 We charge this fee to assess and document any requests you make to change the security we have for your loan or facility. This could include because you ve sold the property and are buying something else. We ll charge the fee when we process your request. Duplicate Statement fee... $4 Default Notice fee... $175 We charge this fee if we prepare and send you a default notice for your loan under the Property Law Act We prepare these notices to require you to repay some or all of the amounts you owe us because you ve broken your loan or facility agreement, or another agreement with us. If we ve had this notice prepared by a solicitor, you must also meet all of the solicitor s costs in preparing the notice, as well as paying us the Default Notice fee. You must submit security, execution and consent requests at least two days before the day of settlement so we can prepare necessary documentation, unless you ve arranged an urgent settlement with us. Personal Loan fees Application fee... $250 Loan Top Up fee... $150 Choose from: Fee Monthly account fee Automated transaction fees (per transaction) Manual transaction fees (per transaction) Monthly facility fee $4 ANZ Business Current account PAYG (waived if your average daily balance for the month is $10,000 or more) $0.25 $0.15 Smart Plan $10 $4 (your first 50 automated transaction fees are waived each month) ANZ Business Flexible Facility PAYG (waived if your average daily balance for the month is $10,000 or more) $10 $0.25 $0.15 Smart Plan (your first 50 automated transaction fees are waived each month) $0.65 $0.55 $0.65 $0.55 N/A N/A % (min $5) calculated as a percentage of the agreed limit or overdrawn balance, whichever is greater. For more information on Non-Standard which apply to these accounts, refer to pages of this document. ANZ BUSINESS PREMIUM CALL ACCOUNT Combine premium rates of interest and access to your funds via internet, phone or in branch. Business Banking BUSINESS TRANSACTION ACCOUNTS Fee Monthly account fee Automated transaction fee Manual transaction fee ANZ Business Premium Call account* Nil Nil Nil A choice of two transaction fee plans gives you control over the fees you pay. * This is not a transaction account. For more information on Non-Standard which apply to 10

11 and Charges A close look at our products and services ANZ NON-PROFIT ORGANISATION CURRENT ACCOUNT Non-profit organisations are exempt from payment of the following fees on one ANZ Non-profit Organisation Current account: Monthly account fees Automated and manual transaction fees Automatic and Bill Payment establishment, amendment and suppression fees Cash handling fees Cheque clearance fees. BUSINESS ACCOUNT SERVICE FEES Note, other Non-Standard may apply see pages of this document. Fee Cheque clearance fee ANZ Business Current account $0.25 per cheque deposited ANZ Business Flexible Facility $0.25 per cheque deposited ANZ Business Premium Call account $0.25 per cheque deposited (one free cheque deposit per business day) Option C Monthly access fee... nil For each transaction in a credit batch... $0.45 For each transaction in a debit batch... $0.50 For each domestic funds transfer... $0.45 TWO authentication devices provided, then $2 per device per month* Applicable for all options Set-up fee... $100 International Money Transfers... $18 per transaction International Bank Drafts...$25 per transaction Same Day Cleared Payments...$5 per transaction Automatic Batch Payments...$5 for initial batch set up** View only Monthly Access Fee...nil*** Cross-bank reporting fee 1-15 accounts... $20 per month accounts... $100 per month accounts... $300 per month 300+ accounts...poa Balance and transaction statement information... free Real time balance and transaction reporting... free Credit Card Balance and reporting... free Cash handling fee Deposits less than $3,000 per day Cash handling fee Deposits of $3,000 and over per business processing day Waived 0.25% of total cash deposited * Additional authentication devices can incur extra charges. ** Batch is then subject to normal transaction charges. *** Transaction processing not available. Agri Banking BUSINESS OVERDRAFT FEES Overdraft application fee...a minimum amount of either $75 or 1% of the approved credit limit or increase, whichever is greater. (The Bank will advise the Customer if the application fee is higher than the minimum amount stated in this clause.) Monthly Overdraft Management fee % (min $5) (calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater). ANZ DIRECT ONLINE Option A Monthly access fee... $32 For each transaction in a credit batch... $0.20 For each transaction in a debit batch... $0.30 For each domestic funds transfer... $0.20 FOUR authentication devices provided, then $2 per device per month* ANZ AGRI CURRENT ACCOUNT The ANZ Agri Current account is a line of credit generally secured against your farm or livestock. Monthly account fee*... $12.50 Transaction fees (deposits/withdrawals)... nil Overdraft application fee % of the approved limit new or increased limit (min $100) Cash handling fee Deposits less than $3,000 per day... waived Deposits of $3,000 and over per business processing day % of total cash deposited * Non-Standard apply. Please refer to pages of this document. Option B Monthly access fee... $15 For each transaction in a credit batch... $0.30 For each transaction in a debit batch... $0.35 For each domestic funds transfer... $0.30 THREE authentication devices provided, then $2 per device per month* 11

12 and Charges A close look at our products and services ANZ Private CURRENT ACCOUNT For clients who are eligible for the ANZ Private service, this account combines attractive interest rates with convenient access. Interest rate tiers* $0 $4,999 $5,000 + RESERVE ACCOUNT For clients who are eligible for the ANZ Private service, this savings account combines attractive interest rates with convenient access. FEES FOR CURRENT AND RESERVE ACCOUNT No monthly or transaction fees apply. For more information on the Non-Standard which may apply to these accounts (including Other Bank ATM fees) refer to pages of this document. * Interest is calculated on a split tiered basis where a rate is payable on the first $4,999 of your credit balance and another rate is applied to the balances $5,000 and above. Other bank deposits Other bank deposit fee... $15 For deposits into Business Accounts, Cash handling and cheque clearance fees may apply. Insufficient funds fees Dishonour fee... $20 Unpaid Bill Payment/Online Payment... $7.50 (due to insufficient funds) Customer service investigation $60 per hour (min $15) Replacement statement...$4 Voucher search Provision of images... $7.50 per item (min $15) Overdrafts Overdraft application fee... $25 This applies to new overdraft applications and applications to increase existing limits. Unarranged overdraft fee... $15 Charged per month, if you exceed your approved overdraft limit or your account becomes overdrawn by more than $20 for more than one day. This is in addition to debit interest. ANZ Internet Banking OnlineCode... no charge ANZ Phone Banking Non-Standard Automatic Payments Set-up via staff in branch, over telephone or Bank Mail... $5 through ANZ Internet Banking... no charge Alterations to payments via staff in branch, over telephone or Bank Mail... $5 through ANZ Phone Banking... no charge through ANZ Internet Banking... no charge Bill Payments/Online Payments Set-up via staff in branch, over telephone or Bank Mail... $5 through Internet Banking... no charge Alterations to payee details... $5 No fees are charged to delete an Automatic, Bill Payment or Online Payment via staff in branch, telephone, Bank Mail or Internet Banking. Cheques Cheque stopped payment... $15 Special Answer fee... $25 The Special Answer fee is waived for ANZ customers seeking to deposit an ANZ cheque into their ANZ everyday or savings account. Image dishonour re-presentation fee... waived Re-presentation of a dishonoured cheque. Bank cheque...$5 Same Day Cleared Payment (SCP)...$25 Phone Banking calls... no charge* * If calling from overseas, standard international call charges apply. ANZ Mobile Phone Banking TXT Banking... no charge M-Banking... no charge gomoney... no charge There are no ANZ Mobile Phone Banking service fees. Standard mobile phone charges apply, depending on your mobile phone provider plan. If you have M-Banking you pay the data download rate for your mobile phone plan. ATM fees ANZ ATM fee... no charge Transaction fees may apply. Non-ANZ ATM fee... $1 Applies to each transaction and balance enquiry at ASB, BNZ, HSBC, Kiwibank and Westpac ATMs. Charged in addition to normal transaction fees. Overseas ATM fee... $5 Applies to withdrawals from everyday and savings accounts. This fee is waived for ANZ ATM s located overseas. Banks and other financial institutions who own overseas ATMs may charge a fee for using them. Currency conversion charges of 2.5% of the NZD amount also apply to foreign transactions. ATM owner fee... $3 Branch fee Non-ANZ overseas branch fee...not set by ANZ 12

13 and Charges A close look at our products and services Staff assisted funds transfer (Commercial Customers only)... $15 Certificate of balance and interest Retail and Business Banking customers... $5 Commercial customers... $20 Auditor s Confirmation Report Retail and Business Banking customers... $65 Commercial customers 1-5 accounts... $ accounts... $ accounts... $ accounts... $ accounts... $300 Less than 48 hours notice of requirement for an Auditor s Confirmation Report attracts double the standard fee. Credit retrieval fee... $100 A credit retrieval fee may be charged when assisting a customer (on a best endeavours basis) to recover funds incorrectly paid to a third party s account. This fee applies irrespective of whether the funds are successfully recovered from the recipient of the payment. Via staff assistance in branch or over phone*: Issue... $28 Amendment... $28* Via any of the above options: Enquiry... charge may apply** Where beneficiary is claiming non-receipt of funds... $50 Cancellation ANZ will make every attempt to return funds, however the beneficiary may have already been paid... $50** International Bank Draft Overseas bank charges may apply. Via ANZ Direct Online: Issue... $25 Via staff assistance in branch or over phone*: Issue... $30 Reissue/replacement**... $30 Stop Payments^... $30 INTERNATIONAL SERVICES All fees per transaction unless otherwise stated: Travel money We sell: Foreign Cash Up to NZD $100 equivalent... $7 Over NZD $100 and up to NZD $1,000 equivalent... $12 NZD $1,000 equivalent and over...1.1% of value When debited from a Foreign We buy: Currency Account % of value (min $12) Foreign cash When converted to NZD... $5 When credited to a Foreign Currency Account % of value(min $12) Foreign currency funds transfer Via staff assistance in branch or over phone*: Issue... $28 Outward payments International Money Transfer Overseas bank charges may apply. Via ANZ Internet Banking International Services*: Issue... $18 Amendment... $18** Via ANZ Direct Online* Issue... $18 Amendment... $18** INWARD PAYMENTS Payments credited to an ANZ account^^... $15 NZD or foreign currency equivalent. Payments credited to a non-anz bank account in New Zealand dollars or foreign currency... $27 Payments in New Zealand dollars credited to an account outside of New Zealand... $35 Foreign Cheques Deposit of foreign cheques When credited to a NZD account #... $15 per deposit When credited to a Foreign Currency Account #... $20 per deposit Sent for collection (if you need to ensure cleared funds)... $75 * Plus any applicable exchange rate fluctuation. ** A $50 fee may apply in some circumstances, please check with our staff. ^ ANZ can only provide this service if the draft has not already been paid, re-issued or replaced. ^^ No fee charged for payments under NZD$75 equivalent. # Our lending criteria apply. This document is a summary only. The details are subject to change. For more information and full details on our accounts and packages, including terms and conditions, contact your nearest ANZ branch. Our lending criteria apply. Some accounts and/or customers may qualify for fee waivers. A copy of the Bank s General Terms and Conditions and current Disclosure Statement under the Reserve Bank of New Zealand Act 1989 are available from any ANZ branch of ANZ Bank New Zealand Limited. ANZ Bank New Zealand Limited 05/