Personal Term Deposit

 Product Features

• Other Additional Information: Earn competitive rates of interest

• Other Additional Information: Interest calculated daily, paid at maturity

• Other Additional Information: Terms fixed for 3, 6, or 12 months

• Other Additional Information: No monthly account keeping fees

• Other Additional Information: 31 day withdrawal notice if need to access funds before its maturity date, early withdrawal may incur interest adjustment

• Digital Banking Additional Information: Requires internet banking

• Other Additional Information: Six monthly statements

• Digital Banking Additional Information: Apply online only

• Other Additional Information: Transfer funds to open, minimum balance $500

• Other Additional Information: Maximum balance $2 million per customer (combined value of Rural Bank ONE Saver and/or Rural Bank ONE Term Deposit accounts (whether individual or joint) can not exceed $2,000,000 unless agreed to by Rural Bank)

 Product Eligibility

• Other Additional Information: Personal applicants only

• Other Additional Information: Must be 12 years of age or over to have access to Internet and Phone Banking

• Residency Status - Must Be An Australian Resident.

• Other Additional Information: Every applicant must have access to Rural Bank Internet Banking

• Other Additional Information: Customer must nominate a transaction account at an Australian Authorised Deposit-taking Institution (either Rural Bank or another Australian financial institution) for funds to be redeemed to (“nominated account”). Where a direct debit is used for the opening deposit that account becomes the “nominated account”

 Bank Fees and Charges

• Bank Cheque Fee (Payment), Amount: 10.00. Additional Information: Applies per bank cheque you request. Bank cheques are organised through the Commonwealth Bank of Australia or Bendigo Bank

• Bank Cheque Repurchase Or Stop Fee (Event), Amount: 20.00. Additional Information: Applies per bank cheque you request to be repurchased or stopped

• Real Time Electronic Or International Funds Transfer (Payment), Amount: 30.00. Additional Information: Applies the same day you request a transfer to an account at another financial institution in Australia, or an international funds transfer

• Direct Debit Dishonour Fee (Payment), Amount: 10.00. Additional Information: Applies per unsuccessful direct debit attempt on your account due to insufficient funds

• Copy Of A Cheque (Event), Amount: 20.00. Additional Information: Applies per cheque when you request a copy of a cheque deposited to your account

• Real Time Electronic Or International Funds Trace (Event), Amount: 30.00. Additional Information: Applies per request. Note: The receiving bank may also impose a fee. The trace fee will be waived if the trace reveals an error by Rural Bank

• Electronic Recall (Event), Amount: 15.00. Additional Information: Applies per attempt to recall an electronic transaction. The fee is charged even if the recall is unsuccessful

• Audit Request (Event), Amount: 30.00. Additional Information: Applies per audit requested on an account

• Transaction History Record (Event), Amount: 5.00. Additional Information: Applies per request per statement period for a transaction history print out on an account

• Administration Fee (Event), Amount: 15.00. Additional Information: An administration fee of $15.00 per 1/4 hour applies for the supply of information, retrieval of a voucher or other documentation, or other special services you request

• Dormant Account (Periodic), Amount: 20.00. Additional Information: Charged annually to accounts that have not had a customer initiated deposit or withdrawal for 3 years or more

• Physical Security Token (issue And Replacement) (Event), Amount: 25.00. Additional Information: Key-ring sized token that improves the security of Internet Banking. Applies per token ordered

• Electronic Trace (Event), Amount: 20.00. Additional Information: Applies when you have requested a trace on a Bpay® or Pay Anyone transaction that has been sent electronically to another financial institution. The trace fee will be waived if the trace reveals an error by Rural Bank

• Staff Assisted Transfer Fee (Payment), Amount: 5.00. Additional Information: Applies per request to transfer money to an account held with another financial institution or a Rural Bank account in another name

 Limitations & Restrictions (Constraints)

• Max Balance of 2000000.00 Additional Information: The combined value of Rural Bank ONE Saver and/or Rural Bank ONE Term Deposit accounts (whether individual or joint) can not exceed $2,000,000 unless agreed to by Rural Bank

• Opening Balance of 500.00

• Min Balance of 500.00