BUDGET OVERDRAFT

 General Lending Rates

 Product Features

• Card Access

• Additional Cards

• Overdraft

• Digital Banking Additional Information: Internet Banking and Mobile Banking App.

• Npp Payid Additional Information: Create a PayID through Horizon Bank s Internet Banking or Mobile Banking App to receive Osko payments with a unique identifier, such as your mobile number or email address, enabling you to receive and send money securely without the need to remember complex banking details.

• Npp Enabled Additional Information: This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds

• Bill Payment Additional Information: BPAY is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.

• Other Additional Information: Manage payments from your bank account using PayTo.

• Digital Wallet

 Product Eligibility

• Natural Person

 Bank Fees and Charges

• 50 Annual Fee (Periodic), Amount: 50.00.

• Bulk Coin Countage (Deposit), Amount: Not Listed.. Additional Information: Up to 2% for bulk coin counting above $300. Fee excludes money boxes & community

• Direct Debit Dishonour (Event), Amount: 9.00.

• Foreign Cash Withdrawal From Visa Debit Card (Withdrawal), Amount: 3.00.

• Foreign Cheque Deposit (Transaction), Amount: 11.00.

• Overdrawn Savings Account (Event), Amount: 20.00. Additional Information: per occurence

• Statement Copy (Event), Amount: 2.50.

• Total Cash Withdrawal Above 4000 Per Day (Withdrawal), Amount: Not Listed.. Additional Information: A fee of 0.25% of total cash withdrawals is charged for total cash withdrawals over $4000 in a day.

• Visa Card International Transaction Fee (Transaction), Amount: Not Listed..

• Visa Card Replacement (Event), Amount: 9.00. Additional Information: Australia only