Australian Unity Home Loans Fees, Charges and Transaction Limits for Personal Accounts

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1 Australian Unity Home Loans August 2015 Please read this document to understand transaction fees, charges, and limits that may apply based on your account relationship with Australian Unity Home Loans. The credit provider of Australian Unity Home Loans is Big Sky Building Society Limited (ABN ) AFSL/Australian Credit Licence No Everyday banking account information and access Minimum Opening Deposit $0 Funds available at call Interest Access to offset facilities Cheque Book Eftpos/ATM access Visa Card Internet and Telephone Banking Direct Entry (Credit or Debit) BPAY Bill Paying Service Access to offset facilities # Calculated daily and charged monthly # The offset only applies if the Mortgage Offset account and the loan amount are in the same names. Activating the Mortgage Offset account operates as a variation to your loan contract. The unpaid balance of the loan used for calculation of interest is reduced by the Offset Balance, being the Offset Rate percentage of the balance of the Mortgage Loan Offset account.

2 Transaction fee schedule Type Fee Further information Cash transactions ATM withdrawal No fee rediatm network eftpos (with cash out) No fee Big Sky Visa Debit Card Big Sky Visa Credit Card cash deposit No fee Australia Post outlets cash withdrawal No fee Australia Post outlets Electronic Payments and Transfers Direct Debits No fee Direct debits for Australian Unity, Allianz or American Express products and services purchased through Big Sky are also exempt from this fee Direct Credits No fee Payroll or other deposits coming directly to your account BPay ( Registered to BPAY Pty Ltd ABN ) No fee Through internet & mobile banking only Pay Anyone via mobile or $0.30 per transaction Available on mobile banking only Cards Visa Debit Card $2.00 per month eftpos $0.40 per transaction For general eftpos transactions without opting to take cash out Cheque Facilities Personal cheques Corporate cheques Not available Not available Bank@Post cheque deposit No fee Cheques deposited at Australian Post outlets can take up to 7 business days for clearance Account Enquiries and Alerts rediatm balance enquiry SMS One Time Password SMS banking enquiry or alert $0.50 per enquiry No fee $0.25 per SMS

3 Daily Limits on Cash Withdrawals (including eftpos) & internet/telephone banking electronic transfers Cash withdrawals (including eftpos) $1, Visa $10,000 per day (if registered for SMS One Time Passwords SMS OTP) External internet banking transfers Internal internet and telephone banking transfers If you have not registered for SMS OTP a daily limit of $1,250 applies. This limit includes: Pay Anyone mobile or cumulative daily limit of $1,000 BPay payment limits are set by the BPay Biller UNLIMITED with No Fee Internet Banking limits may be changed by calling , however approval of this application will be at the discretion of Big Sky. Daily limits on cash and eftpos withdrawals cannot be changed.

4 Other charges and fees (not covered by transaction fee schedule) Staff-assisted transacting Over the counter or phone transactions performed by a Big Sky staff member $5.00 per transaction Including: bill payments, periodical payments, balance enquiries and other transactions that could be reasonably performed by you Cheques & payments Bank cheque $12.00 NAB bank cheques Cheque copy fee electronic $4.75 If available online Cheque copy fee $49.50 Where cheque enquiry must be lodged with another financial institution Cheque tracing fee $49.50 Where you request a destination trace Special clearance $15.00 When you request a cheque to be cleared ahead of usual cheque clearance times Same day EFT (RTGS) $8.50 Where you request us to transfer funds electronically to another financial institution Direct entry - supplier recall fee Direct entry - trace fee $55.00 Request to recall an EFT made by you $22.00 When you request verification of a direct debit authorisation made by you VISA Low Rate Visa Credit Card Annual Fee $29 Fee waived Annual Fee is waived for home loan customers Visa Credit with Cash Rewards Annual Fee $49 Fee waived Annual Fee is waived for home loan customers Visa Credit Card Late Payment Fee $5.00 Late payment fee will be charged if repayment is not made by due date Visa Cash Advance $4.00 per cash advance Cash withdrawal at a domestic or overseas ATM ATM/eftpos dispute lodgement $5.50 Applicable only if customer error is identified VISA voucher retrieval $16.50 Request to retrieve evidence of a purchase made by you VISA chargeback $22.00 When you request assistance to recover a VISA payment made by you Replacement Visa $20.00 Not applied if your card has been a subject of fraud Emergency overseas VISA card or cash US $ Emergency overseas card declined US $50.00 Charged only if VISA rejects a emergency card request Currency conversion fee 3.00% 3% of the AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside of Australia

5 Overdraws, dishonours and disputes Overdrawn account fee $20.00 Prevailing overdraft interest rate also applies see Interest Rate Schedule BPay error correction $22.00 per correction Quick debit dishonour fee $22.00 Direct entry dishonour fee electronic $21.50 Dishonour due to insufficient funds Stop payment on bank cheque $20.00 Cheque deposit to customer account dishonour fee $10.00 dishonour fee $21.10 Cheque deposited by customer at Australia Post is dishonoured Other Dormant account fee $2.50 per month Charged on an account without any activity for over 12 months. You will be contacted prior to this fee being applied BPay enquiry $5.50 Where you request destination trace Printed periodic statement via post $2.00 per statement Electronic statements via internet banking are fee free Withdrawal from third party ATM Direct charge by the provider Charged by the financial institution terminal you are using. Changes We reserve the right to change any of the fees and charges detailed in this document, including the introduction of new fees. We may also waive fees and vary transaction limits in certain circumstances. If we decide to change fees and charges, we will do so in accordance with applicable laws, regulations and codes of practice. Customers will be notified accordingly. Errors Where a customer makes a request that would normally incur a fee as described above and it is found to be as a result of a Big Sky or Australian Unity error, the applicable fee will be waived.