MORTGAGE OFFSET ACCOUNT

 General Lending Rates

 Product Features

• Card Access Additional Information: Full Access Card - 16 years and older

• Card Access Additional Information: Limited Access Card - 11 years and older

• Digital Banking

• Bill Payment

• Unlimited Txns

• Other Additional Information: Up to 99 Sub Accounts, Max 10 offsets attached to an eligible loan at once.

• Npp Payid

• Offset Additional Information: 100% offset for 1 nominated loan account

• Npp Enabled

 Product Eligibility

• Natural Person Additional Information: Available for personal use

 Bank Fees and Charges

• Account Service Fee - Mortgage Offset Account (Periodic), Amount: 10.00. Additional Information: Payble to levy costs we incur in provding your account and its service. Fee waived for Freedom Package loans

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

• 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.

• 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

• 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.

• 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.

• 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

• 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