RETIREMENT PLUS ACCOUNT - OVERDRAFT

 General Lending Rates

 Product Features

• Bill Payment

• Card Access

• Digital Banking

• Digital Wallet Additional Information: Payment options available

• Npp Enabled

• Npp Payid

• Overdraft Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply

 Product Eligibility

• Natural Person

 Bank Fees and Charges

• Visa Debit Card Monthly Fee (Periodic), Amount: 2.00.

• Eftpos Or Debit Card Purchase (pin Activated) (Transaction), Amount: 1.10. Additional Information: Calculated per transaction and charged last day monthly

• Eftpos Purchase With Cash Out (Transaction), Amount: 1.50. Additional Information: Calculated per transaction and charged last day monthly

• Direct Debit (Transaction), Amount: 1.10. Additional Information: Calculated per transaction and charged last day monthly

• Atm Withdrawal At Any Atm (Transaction), Amount: 1.50. Additional Information: Calculated per transaction and charged last day monthly. You may be charged a direct charge fee from the ATM operator.

• Atm Withdrawal/cash Advance Overseas (Transaction), Amount: 5.00.

• Internet Banking External Transfer (Transaction), Amount: 1.00.

• Electronic External Transfer (Transaction), Amount: 1.00.

• Over The Counter Cash Withdrawal (Withdrawal), Amount: 1.50.

• Bank@post Withdrawal, Cash Advance Or Cash Deposit (Transaction), Amount: 4.00.

• Bank@post Cheque Deposit (Deposit), Amount: 2.00.

• Atm Balance Enquiry (Transaction), Amount: 1.25. Additional Information: You may be charged a direct charge fee by the ATM operator

• Staff Assisted Transfer (Event), Amount: 2.00.

• Card Extraction Fee (Event), Amount: 45.00.

• Visa Chargebacks (Event), Amount: 25.00.

• Inactive Fee (Event), Amount: 2.00.

• Dormancy Fee (Event), Amount: 20.00. Additional Information: Applicable on all savings accounts

• Over Limit Fee (Event), Amount: 10.00. Additional Information: Charged last day monthly

• Dishonour - Direct Debit (Event), Amount: 25.00. Additional Information: Charged on the day of the dishonour

• Dishonour - Periodical Payment (Event), Amount: 20.00. Additional Information: Charged on the day of the dishonour

• Account Combination Fee (Event), Amount: 5.00.

• Forced Payment (Event), Amount: 20.00.

• Eft Investigation Fee (Event), Amount: 35.00. Additional Information: Includes NPP Payments, incorrect amount transferred; elleged unauthorised transactions; request to recall funds

• Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.

• Dishonour Fee - Cheque Deposit (Event), Amount: 0.00. Additional Information: Charged on the day of the dishonour. At cost.

• Transfer Of Funds (Event), Amount: 0.00. Additional Information: Charged at cost

• Retrieving Cashiering Vouchers Or Any Other Document (Event), Amount: 20.00. Additional Information: Charged per item

• Drafts (Event), Amount: 17.50.

• Overseas Telegraphic Transfer (tt) (Event), Amount: 50.00.

• Overseas Telegraphic Transfer (Event), Amount: 30.00.

• Travelex Services (Event), Amount: 0.00. Additional Information: Charged at cost

• Foreign Cheque Encashment (Event), Amount: 12.50. Additional Information: For values over $A25,000 the fee applicable is $57.50.

• Cancel Replacement Of Visa Card (Event), Amount: 50.00. Additional Information: Charged in US Dollars

• Replacement Of Visa Card (overseas) Std (Event), Amount: 55.00.

• Replacement Of Visa Card (within Aus) (Event), Amount: 12.50.

• International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: Applies for all transactions (including reversals and cash advances) where you use your card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity or financial institution outside Australia.