BUSINESS OVERDRAFT

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 10.83%, Comparison Rate 0.00%
• Repayment Type: Interest Only
• Loan Purpose:

 Product Features

• Bill Payment

• Card Access

• Digital Banking

• Overdraft

• Unlimited Txns

• Other Additional Information: Credit interest payable - see Business Access Account for deposit rates.

• Npp Enabled

• Npp Payid

 Product Eligibility

• Business

 Bank Fees and Charges

• Establishment Fee - Business Loans (Upfront), Amount: Not Listed.. Additional Information: Miniumu fee of $600.00. To cover our costs associated with establishing your loan/additional loan, further advance, increasing your credit limit or when you substitute one security property with another. Minimum fee of $600.00

• Valuation Fee - New Loans & Loan Increases (Variable), Amount: Not Listed.. Additional Information: Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg. additional loans) included in Package Fee up to $300 (total per application).

• Settlement Fee (Event), Amount: 100.00. Additional Information: Payable when we process the settlement of your loan. Waived for Freedom Package loans

• Document Preparation Costs And Third Party Costs (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc.

• Conditions Subsequent Costs (Variable), Amount: Not Listed.. Additional Information: Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to provide reports to us.

• Legal Agent Fee (Variable), Amount: Not Listed.. Additional Information: Charges vary according to location of security. May be payable if we arrange a legal agent to represent us.

• Account Service Fee - Business Access Account (Periodic), Amount: 10.00. Additional Information: Payable for managing your account

• Overdraft Line Fee (Periodic), Amount: 12.00. Additional Information: This fee is charged to ensure the limit is available as required

• Default Administration Fee (Event), Amount: 40.00. Additional Information: Charged per month, if you fail to make a payment by the due date

• Rtgs Outward Payment Fee (Transaction), Amount: 20.00. Additional Information: Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

• Mortgage Release Fee (Event), Amount: 400.00. Additional Information: Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable

• Direct Debit (Transaction), Amount: 0.50. Additional Information: Payable if we process a direct to your account. This includes payments which you initiate electronically

• Cheque Withdrawal Using Cheque Book (Withdrawal), Amount: 2.00. Additional Information: Payable when you write a cheque and it is presented on your account

• Telegpraphic Transfer Fee (Payment), Amount: 50.00. Additional Information: $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.

• Deposit Foreign Currency Cheque Draft Fee (Deposit), Amount: 5.00. Additional Information: If cheque is greater than $5,000 or issuing bank is required to clear and settle cheque fee is $50. Payable each time a foreign currency/draft is deposited.

• Atm Direct Charge Fee (Variable), Amount: Not Listed.. Additional Information: Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.

• Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM

• Dishonour Fee - Direct Debit And External Payment (Event), Amount: 15.00. Additional Information: Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account

• Foreign Atm Withdrawal Fee (Withdrawal), Amount: 5.00. Additional Information: Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account

 Limitations & Restrictions (Constraints)

• Max Lvr of 0.80

• Max Limit of 5000000.00

• Min Limit of 50000.00