Business Banking Guide to Fees and Charges

This booklet forms part of the terms and conditions for Business Transaction and Investment Products and the Supplementary Terms and Conditions for Business Lending and Merchant Facilities and Electronic Banking Terms and Conditions (if applicable).

November October 2014 2015 1 July 2012 G481 G481 010/14 9/12 11/15

This page has been lefT inTenTionally blank.

Addendum to Business Banking Guide to Fees and Charges This addendum dated 1 December 2016, amends and supplements the Business Banking Guide to Fees and Charges dated November 2015. Unless otherwise noted, terms defined in the Business Banking Guide to Fees and Charges have the same meaning in this addendum.

The following changes are effective 1 December 2016: Fees and Charges for Bank@Post Inward Dishonour Fee on page 15 are deleted and replaced with the following.

Bank@Post Inward Dishonour Fee This is the fee charged by Australia Post to your account on the day on which a cheque deposited to your account through their Bank@Post network is dishonoured.



Each item dishonoured



$22.38

The following changes are effective 1 December 2015:

Fees and charges for Unclaimed Funds Fee on page 18 are deleted and replaced with the following.

Unclaimed Funds Fee 

Charged when an account has been inoperative for 7 years or more as at 31 December.

$30.00

All other Account terms and conditions remain as set out in the Business Banking Guide to Fees and Charges booklet.

Issuer: Bank of Queensland Limited ABN 32 009 656 740. Australian Financial Services Licence Number 244616. Australian Credit Licence Number 244616. G481a 12/16

CONTENTS INTRODUCTION

1

ACCOUNT OPERATING FEES AND CHARGES

2

Transaction Accounts

3

Investment Accounts

4

Term Investment Accounts

5

Trust Accounts

5

Definitions

6

BUSINESS LENDING

7

Loan Account Fees

7

Business Line of Credit

8

Cashflow Finance Facilities

8

Equipment Finance Facilities

8

Trade Facilities

8

General Lending Fees

9

MERCHANT FACILITIES

10

ELECTRONIC BANKING

11

INTERNATIONAL SERVICES

12

GENERAL SERVICES

15

SAFE CUSTODY SERVICES

18

SERVICES NO LONGER OFFERED

19

PRODUCTS NO LONGER OFFERED

19

INTRODUCTION Welcome to BOQ and thank you for banking with us. This booklet contains the most common fees and charges that apply to our range of business banking and lending services. The information is easy to find in the sections under Account Operating Fees and Charges, Business Lending, Merchant Facilities, Electronic Banking, International Services, General Services and Safe Custody Services. There may be some other fees that apply to various services. We’ll give you details of these fees when you make an application or as soon as possible afterwards. BOQ offers a great many incentives to its customers through a variety of different account options, all designed to meet the individual needs of every customer. This Guide to Fees and Charges should be read in conjunction with the relevant terms and conditions as it forms part of the following documents:

ƒ ƒ ƒ ƒ

Business Transaction and Investment Accounts Terms and Conditions; Merchant Facility Terms and Conditions; Business Lending Supplementary Terms and Conditions; Electronic Banking Terms and Conditions (where applicable).

Words in capitals are defined in the Business Transaction and Investment Accounts Terms and Conditions, Business Lending Supplementary Terms and Conditions, Merchant Facility Terms and Conditions and Electronic Banking Terms and Conditions. GST is not included and is not payable in respect of any fees and charges in this book unless otherwise stated. You can get further information about our fees and charges by visiting any one of our branches, Business Banking Centres or our website www.boq.com.au or by phoning us on 1300 55 72 72.

1

ACCOUNT OPERATING FEES AND CHARGES The fees and charges outlined in this ACCOUNT OPERATING FEES AND CHARGES section apply to the following accounts: Transaction Accounts Everyday Business Account Business Management Account Investment Accounts BOQ Superannuation Savings Account Business WebSavings Account Premier Investment Account Farm Management Deposit Account Trust Accounts QLD PAMD Trust ACT Agents Trust Account Account

QLDSolicitor SolicitorTrust TrustAccount Account SA

ACT Solicitor Trust Account Account NSW Agents Trust

TAS Trust Account NSWAgents Solicitor Trust Account

NSW Agents Trust Account

TAS Solicitor Trust Account

NSW Solicitor Trust Account

VIC Agents Trust Account

NT Agents Trust Account

WA REBA Trust Account

QLD PAMD Trust Account

WA Settlement Trust Account

QLD Solicitor Trust Account

WA Solicitor Trust Account

QLD Special Trust Account

WA Tenancy Bond Account

SA Agents Trust Account

2

Transaction Accounts Transaction Accounts TRANSACTION TRANSACTION

Everyday Business Everyday Account Business Account

Business All eligible customers Eligibility Customer Eligibility (excluding not-for-profit Business Eligibility organisations) Customer Account Maintenance Fee $10.001 Account Maintenance Fee $10.001 Minimum monthly balance to $5,000 waive Account Maintenance Minimum monthly balance toFee $5,000 waive Account Maintenance Fee Branch Deposit/BOQ ATM 5 free per month Deposit Deposit/BOQ ATM each Branch 5then free$0.60 per month Deposit then $0.60 Branch Withdrawal Free2 each Branch Withdrawal Free2 Monthly Card Fee (VISA Debit) Free Monthly Card Fee (VISA Debit) Free Cheques Written Free2 Cheques Written Free2 5 free per month Cheques Deposited each 5then free$0.60 per month Cheques Deposited then $0.602 each Direct Debit Free Direct Credit Debit Free22 Direct Free Direct Credit 3 ATM/EFTPOS 3 BOQ ATM/EFTPOS Withdrawal ATM/EFTPOS 5 /BOQ Transfers ATM/EFTPOS Withdrawal 5 /BOQ Transfers ATM Balance Enquiry BOQ ATM Enquiry / Other BankBalance ATM Withdrawals Balance Enquiry Other Bank ATM Withdrawals / Balance Enquiry ATM Operator Fee ATM Operator Fee Bank@Post withdrawals Bank@Post withdrawals Bank@Post deposits Bank@PostBANKING deposits INTERNET INTERNET BANKING Funds transfer and BPAY® Funds transfer and BPAY® Single Pay Anyone or Funds transferPay to third party Single Anyone orBOQ Funds accountsto third party BOQ transfer accounts Multi Payment Multi Payment Balance Enquiry / Transaction History Enquiry Balance Enquiry / Transaction History Enquiry

Everyday Business Everyday Account2 Business Account2

Business Management Business Account Management Account

1RWIRUSUR¿W Not-for-profit Organisations 1RWIRUSUR¿W organisations Organisations Free

Business Customer All eligible customers Business Customer $15.001

Free

$15.001

N/A N/A

$20,000 $20,000

Free Free Free Free Free Free Free Free

$0.55 each $0.55 each $0.55 each $0.55 each Free Free $0.65 each $0.65 20 freeeach per

Free2

Free

month 20 freethen per $0.40 each month then 10 free per $0.40 each month 10 freethen per $0.20 each month then $0.20 each

Free2 Free2 Free2 Free2 Free2 Free2 on As disclosed

Free Free Free Free Free Free on As disclosed

$0.65 each $0.65 each Free Free Free Free on As disclosed

Free2 Free2

Free Free

Free2 Free2 $1.50 for up to 10 payments $1.50 for up to then $0.19 for 10 payments each then additional $0.19 for transaction each additional transaction Free2 Free2

Free Free

thedisclosed ATM at the As on time of the ATM at the the transaction time of the transaction $3.00 $3.00 $3.00 $3.00

3

Free Free Free Free Free

thedisclosed ATM at the As on time of the ATM at the the transaction time of the transaction $3.00 $3.00 $3.00 $3.00

Free Free Free Free

thedisclosed ATM at the As on time of the ATM at the the transaction time of the transaction $3.00 $3.00 $3.00 $3.00 10 free per month 10 freethen per $0.20 each month then $0.20 each $0.65 each $0.65 each $1.50 for up to 10 payments $1.50 for up to then $0.19 for 10 payments each then additional $0.19 for transaction each additional transaction Free Free

4 44 INTERNATIONAL TRANSACTIONS INTERNATIONAL TRANSACTIONS INTERNATIONAL TRANSACTIONS INTERNATIONAL TRANSACTIONS

4

4 44 INTERNATIONAL TRANSACTIONS INTERNATIONAL INTERNATIONAL INTERNATIONAL TRANSACTIONS Overseas Bank Bank ATM ATM Withdrawal Overseas Bank TRANSACTIONS ATM $5.00 Withdrawal Overseas Bank TRANSACTIONS ATM $5.00 Withdrawal Overseas Withdrawal $5.00 $5.00

4

Overseas Bank Bank ATM ATM Balance Withdrawal Overseas Bank Bank ATM ATM $5.00 Withdrawal Overseas Bank Bank ATM ATM $5.00 Withdrawal Overseas Bank ATM Withdrawal $5.00 $5.00 Overseas Bank ATM Balance Overseas Balance Overseas Balance Overseas $2.00 $2.00 $2.00 $2.00 Enquiry Enquiry Enquiry Enquiry Overseas Bank Bank ATM ATM Balance Balance Overseas Bank ATM Balance Overseas Bank ATM Balance Overseas $2.00 $2.00 $2.00 $2.00 Enquiry Currency Enquiry Currency Transaction Enquiry Currency Transaction Foreign Currency Transaction Transaction Foreign Foreign Enquiry Foreign 2.5% (3.0% 3.0% effective Fee Fee 3.0% Fee (2.5% effective (2.5% effective Fee Foreign Currency Transaction Transaction Foreign Currency Transaction Foreign Currency Transaction Foreign Currency (Accounts linked linked to to aa Business Business (Accounts 3.0% 2.5% (3.0% 3.0% effective Fee Fee Fee (2.5% effective (2.5% effective Fee Visa Debit linked Card) to Visa Debit Card) Visa Debit Card) Visa Debit Card) (Accounts linked to aa Business Business (Accounts 11 22 11 22 33 44 33 44 5

$5.00 $5.00

$5.0

$5.00 $5.00 $2.00 $2.00

$5.0 $2.0

$2.00 $2.00

$2.0

2.5% (3.0% effective 3.0% (2.5% effective 2.5% (3.0% effective 3.0% (2.5% effective

2.5% (3.0% July 2 2.5%1(3.0%

1 July 2 1 1 Account maintenance fee waived waived you operate operate maintenance an approved fee waived overdraft ifAccount you withoperate anmaintenance Everyday an approved Business fee waived overdraft Account if you with oroperate an Business Everyday an Management Management approved Business overdraft Account Account. with or an Business Everyday Management Business A Account maintenance ififAccount you an approved overdraft with an Everyday Business Account or Business Account. Visa Debit Card)fee Visa Debit Card) Visa Debit Card) Visa Debit Card)

The Everyday Everyday Business Account is The subject to aa “Fair “Fair Business Use”fee policy Account as is outlined The subject Everyday inmaintenance tosection section a “Fair Business 2.10 Use” ofpolicy Account the Business as is outlined Transaction intosection a “Fair and 2.10 Use” Investment ofpolicy the Business as Account outlined Transaction in section and 2.10 Investme of the BA The Business Account subject to Use” policy as in 2.10 of the Business Transaction and Investment Account 1 is 1 outlined Account maintenance fee waived youEveryday operate maintenance an approved waived overdraft ifAccount you with operate an Everyday an approved Business fee waived overdraft Account if subject you with or operate an Business Everyday an Management Management approved Business overdraft Account Account. with or an Business Everyday Management Business Account maintenance fee waived ififAccount you operate an approved overdraft with an Everyday Business Account or Business Account. Terms and and Conditions. Conditions. Terms and Conditions. Terms and Conditions. Terms 2 2 The Everyday Everyday Business BusinessAccount Account isThe subject Everyday to aa “Fair “Fair Business Use” policy policy Account as is outlined The subject Everyday intosection section a “Fair Business 2.10 Use”of ofpolicy Account the Business Business as is outlined subject Transaction intosection a “Fair and 2.10 Use” Investment ofpolicy the Business asAccount Account outlined Transaction in sectionand 2.10Investme of the B The is subject to Use” as outlined in 2.10 the Transaction and Investment 3 3 Card access is only available on Any Card One access to Operate is only Accounts. available on Any Card One access to Operate is only Accounts. available on Any One to Operate Accounts. Card access is only available on Any One to Operate Accounts. Terms and and Conditions. Conditions. Terms and Conditions. Terms and Conditions. Terms 4 4 Overseas ATM access is only onlyon available Overseas an ATM Account is linked is only to on a3Full Full Overseas Access ifaccess an Visa ATM Account Debit access Card. linked is only to on available a Full if an Account Debit is Card. linked to a Full Access Visa Debit Card. Overseas ATM is available ififaccess an linked to aavailable Access Card. 3 Card access is access only available available on Any Card One toAccount Operate is access onlyis Accounts. available Any Card One toVisa Operate isDebit onlyis Accounts. available AnyAccess One to Visa Operate Accounts. Card access is only Any One to Operate Accounts. Government charges charges may may be be payable. payable. Government This table table charges does not not may represent be payable. Government all fees fees This and table charges charges does not that may represent may be payable. be payable payable all fees This on and table your charges does account. not thatrepresent may be payable all fees on andyour charges account. that may Government This does represent all and charges that may be on your account. 4 OverseasATM ATM access access is is only only available available Overseas anAccount ATM Account access is linked linked is only to aavailable a4Full Full Overseas Access if anVisa Visa ATM Account Debit access isCard. Card. linked is only to available a Full Access if an Visa Account Debit is Card. linked to a Full Access Visa Debit Card. Overseas ifif an is to Access Debit Merchants orcharges other providers electronic transactions may impose additional limits and ornot charges. Government charges may be beof payable. Government This table charges does not not may represent be payable. Government all fees fees This and table charges charges does that may represent may be payable. be payable payable all fees This on and table your charges does account. not thatrepresent may be payable all fees on andyour charges account. that may Government may payable. This table does represent all and charges that may be on your account. 2

2

Investment Accounts Investment Accounts Investment Accounts Investment Accounts Investment Accounts Investment Accounts Business Business BOQ Business BOQ TRANSACTION TRANSACTION

TRANSACTION Websavings Websavings TRANSACTION Superannuation Websavings Superannuation Business Business BOQ Business BOQ Accounts™ Savings Accounts™ Account Accounts™ Savings Account TRANSACTION TRANSACTION Websavings Websavings TRANSACTION Superannuation Websavings TRANSACTION Superannuation Accounts™ Savings Accounts™ Account Accounts™ Savings Account Account Maintenance Maintenance Fee Fee Account Maintenance Fee Nil Account Maintenance Fee Nil Nil Account Nil Nil

Business BOQ Farm Management Farm Management Superannuation Websavings Deposit Account Deposit Account Business BOQ Savings Accounts™ Account Farm Management Farm Management Superannuation Websavings Deposit Account Deposit Account Savings Accounts™ Account N/A Nil Nil N/A

BO Farm Man Superan Deposit A BO Savings Farm Man Superan Deposit A Savings N/A N

Branch Deposit Deposit Branch Deposit $2.50 Branch each Deposit $2.50 $2.50 each each Branch $2.50 each $2.50 each Account Maintenance Fee Fee Account Maintenance Fee Nil Account Maintenance Fee NilNil Account Maintenance Nil Nil

$2.50 $2.50 Free each each Free N/A NilNil N/A

$2.50 Fre N/A N

Branch Deposit Withdrawal Withdrawal Deposit Branch

Branch Withdrawal $2.50Branch each Withdrawal $2.50 $2.50 each each Deposit Deposit $2.50 $2.50 each each

$2.50 $2.50 Freeeach each Free

$2.50 Fre

Cheques Deposited Cheques Deposited Branch Withdrawal Branch Withdrawal

Cheques Deposited$2.50 $1.00Branch Cheques Deposited $1.00 $1.00 each $1.00 $1.00 Branch Withdrawal $2.50 each Withdrawal $2.50 $2.50 each each $2.50 each

$1.00 $1.00 $2.50 $2.50 Freeeach each Free

$1.00 Fre $2.50

Direct Credit Credit Direct Cheques Deposited Cheques Deposited

Direct Credit Free Direct Free Free Free Free Cheques Deposited$1.00 $1.00 Cheques eachCredit Deposited $1.00 $1.00 each each each $1.00 each

Free Free $1.00 $1.00 Free each each Free

Fr $1.00 Fre

BOQ Branch Branch Balance Enquiry Enquiry BOQ Branch BOQ Branch Enquiry BOQ Direct Credit Balance Direct Credit Balance Enquiry Free Direct Credit BalanceFree Free Free Credit Free Direct Debit N/A

Free Free Free Free N/A

Fre Fr

INTERNET BANKING INTERNET INTERNET INTERNET BANKING BOQ Branch Balance Enquiry Enquiry BOQ BranchBANKING Balance Enquiry Free BOQ BranchBANKING BalanceFree Free Enquiry Free BOQ Branch Balance Free

Free Free Free Free

Fre Fr

Funds transfer transfer and BPAY® BPAY® Funds transfer and BPAY® Free Funds transfer and BPAY® Free Free Funds and Free Free INTERNET BANKING INTERNET BANKING INTERNET BANKING INTERNET BANKING

N/A Free Free N/A

Single transfer Pay Anyone Anyone Single transfer Pay Anyone Single transfer Pay Anyone $0.65 each Single Pay each Funds transfer and BPAY® BPAY® Funds and BPAY® Free Funds and$0.65 BPAY® Free Free Funds and Free Free

N/A Fr

$0.65 N/A each N/A Free Free

$0.65 N/A Fr

$1.50 for for up to to Pay 10 Anyone $1.50 $1.50 forfor upup toto 1010 $1.50 $1.50 forfor upuptoto1010 $1.50 fo $1.50 up 10 $1.50 for up to 10 Single Pay Anyone Free Single $0.65 Free each $0.65 N/A Free each $0.65 N/A Free $0.65 each N/A paymentsMulti then Payment $0.19 payments payments payments (then then$0.19 $0.19 $0.19 payments payments (then then$0.19 $0.19 payments then $0.19 (then Multi Payment payments N/A N/A N/A $1.50 foradditional up to to 10 10 $1.50 $1.50 forfor up up toto 1010 $1.50 $1.50 forfor up uptoto1010 $1.50 fo $1.50 for up $1.50 for up to 10 for each additional for for each each additional additional for for each each additional additional for each for each for each additional payments then Payment $0.19 payments payments payments (then then$0.19 $0.19 $0.19 payments payments then$0.19 $0.19 payments then $0.19 (then transaction transaction) transaction transaction) transaction trans transaction transaction) Multi Payment Payment Multi Payment payments N/A(then N/A Multi N/A for each eachMulti additional forfor each each additional additional forforeach each additional additional for each for additional for each additional Balance Enquiry Enquiry // Transaction Transaction Balance Enquiry / Transaction Balance Enquiry /transaction) Transaction Balance transaction transaction) transaction transaction) transaction trans transaction Free Free Free Free Free Free Fre Fr Free Free Free History Enquiry Enquiry History Enquiry History Enquiry History Balance Enquiry Enquiry // Transaction Transaction Balance Enquiry / Transaction Balance Enquiry / Transaction Balance Free Free Free Free Free Free Fre Fr Free Free Free Please noteEnquiry ATM/EFTPOS, Cheque Cheque Please book facility note facility ATM/EFTPOS, and Direct Direct Debits Debits Cheque are Please book not permitted permitted note facility ATM/EFTPOS, and on these Direct these accounts. accounts. Debits Cheque areTransfer Transfer book not permitted facility Orders and onare are Direct these accounts. Debits areTransfer not permitted Orders onare these accounts Please note ATM/EFTPOS, book and are not on Orders History Enquiry History Enquiry History Enquiry History Single Pay Pay Anyone Anyone Single Multi Payment Payment Multi

not permitted permitted on on Farm Farm Management Management notDeposits Deposits permitted Accounts on Farmor orManagement BOQ Superannuation Superannuation notDeposits permitted Accounts Savings on Farm Accounts. orManagement BOQ Superannuation Deposits Accounts Savings Accounts. or BOQ Superannuation Savings Accounts. not Accounts BOQ Savings Accounts. Please noteATM/EFTPOS, ATM/EFTPOS, Cheque Please book note facility ATM/EFTPOS, and Direct Debits Cheque are Please book not permitted note facility ATM/EFTPOS, and on these Direct these accounts. Debits Cheque are Transfer book not permitted facility Orders and onare are Direct these accounts. Debits are not permitted Orders onare these Please note Cheque book facility and Direct Debits are permitted on accounts. Transfer Orders Government charges may may be be payable. Government This table charges does not may represent be payable. Government allnot fees This and table charges charges does not that may represent maybe be payable. payable all fees This on and table your charges does account. not thatrepresent maybe payable allTransfer fees on and your charges account. that accounts maybe p Government charges payable. This table does not represent all fees and charges that maybe payable on your account. not permitted permitted on on Farm Farm Management Management notDeposits Deposits permitted Accounts on Farmor orManagement BOQ Superannuation Superannuation notDeposits permitted Accounts Savings on Farm Accounts. orManagement BOQ Superannuation Deposits Accounts Savings Accounts. or BOQ Superannuation Savings Accounts. not Accounts BOQ Savings Accounts. Government charges charges may may be be payable. payable. Government This table table charges does not not may represent be payable. Government all fees fees This and table charges charges does not that may represent maybe be payable. payable all fees This on and table your charges does account. not thatrepresent maybe payable all feeson and your charges account. that maybe p Government This does represent all and charges that maybe payable on your account.

TRANSACTION TRANSACTION

TRANSACTION

TRANSACTION

Business Investment Investment Business Investment Bus Business

Account Maintenance Maintenance Fee Fee Account Maintenance Fee Account Maintenance Fee $5.00 $5.00 $5.00 Account TRANSACTION TRANSACTION TRANSACTION Business Investment Business Investment Bus TRANSACTION Business Investment MinimunMaintenance monthly balance balance Minimun to waive waive monthly balance Minimun to waive monthly balance waive Minimun monthly to Account Maintenance Fee Account Maintenance Fee Account Maintenance Feeto$5,000 $5.00 Account Fee $5.00 Account Maintenance Maintenance Fee Fee Account Maintenance Fee Account Maintenance Fee $5,000 Account Minimun monthly monthly balance balance Minimun to waive waivemonthly balance Minimun to waivemonthly balance to$5,000 waive Minimun to $5,000 Over the theMaintenance Counter Over the Maintenance Counter Over the Maintenance Counter $2.00 each each Over Counter Account Maintenance Fee Account Fee Account Fee$2.00 Account Fee

$5,000 $2.00 each

Cheques Written Cheques Written Over the Counter Counter Over the

Cheques Written Over the Counter

Cheques Written Over the Counter

$1.00 each $1.00 $2.00 each $2.00

$1.00 each $2.00

Cheques Written Deposited Deposited Written Cheques

Cheques Deposited Written

Cheques Deposited Written

$0.65 each $0.65 $1.00 each $1.00

$0.65 $1.00 each

Direct Entry Entry Direct Cheques Deposited Cheques Deposited

Direct Entry Cheques Deposited

Direct Entry Cheques Deposited

$0.35 each $0.35 $0.65 each $0.65

$0.35 each $0.65

$5.00 $5,000

Monthly Card Fee Fee (Visa (Visa Debit) Debit) Monthly Card Fee (Visa Debit) Monthly Card Fee (Visa $1 per per Debit) cardeach per month month $1 per$0.35 card each per month $1 Monthly Card $1 card per Direct Entry Direct Entry Direct Entry $0.35 each Direct Entry $0.35 ATM/EFTPOS* ATM/EFTPOS* ATM/EFTPOS* ATM/EFTPOS* Monthly Card Fee Fee (Visa (Visa Debit) Debit) Monthly Card Fee (Visa Debit) Monthly Card Fee (Visa $1 per per Debit) card per per month month $1 per card per month $1 Monthly Card $1 card BOQ ATM/EFTPOS ATM/EFTPOS Withdrawal Withdrawal BOQ ATM/EFTPOS Transfers Withdrawal BOQ ATM/EFTPOS / Transfers Withdrawal $0.65 each each / Transfers BOQ // Transfers $0.65 ATM/EFTPOS* ATM/EFTPOS* ATM/EFTPOS* ATM/EFTPOS*

$0.65 each

ATM Balance Balance Enquiry Enquiry ATM Balance Enquiry ATM Balance Enquiry Free ATM Free BOQ ATM/EFTPOS ATM/EFTPOS Withdrawal BOQ ATM/EFTPOS Transfers Withdrawal BOQ ATM/EFTPOS / Transfers Withdrawal $0.65 each / Transfers BOQ Withdrawal // Transfers $0.65 each

Free $0.65 each

OtherATM BankBalance ATM Withdrawals Withdrawals Other/ATM /Bank Balance ATM Enquiry Withdrawals OtherATM /Bank Balance ATMEnquiry Withdrawals / Balance Enquiry Other Bank ATM Balance Enquiry BOQ ATM Balance Enquiry BOQ Balance Enquiry BOQ Balance Enquiry Free Free BOQ Enquiry

Free

As Fee disclosed on the the ATMAs at the disclosed the time of ofon the ATMAs at disclose the time As disclosed on ATM at time Other Bank ATM ATM Withdrawals Other Balance ATM Enquiry Withdrawals Other /Bank Balance ATM Enquiry Withdrawals Free / Balance Enquiry Free Other Bank Withdrawals //Bank Balance Enquiry Free ATM Operator Operator Fee ATM Operator Fee ATM Operator ATM Fee the transaction transaction the transaction the As disclosed on the ATM As at disclosed the time of on the ATM As at disclose the time As disclosed on the ATM at the time of ATM Operator Fee ATM Operator Fee ATM Operator Fee ATM Operator Fee Bank@Post withdrawals Bank@Post withdrawals Bank@Post withdrawals $3.00 $3.00 Bank@Post withdrawals $3.00 the transaction transaction the transaction the deposits deposits deposits deposits Bank@Post withdrawals withdrawals Bank@Post withdrawals Bank@Post withdrawals Bank@Post

$3.00 $3.00

INTERNET BANKING BANKING INTERNET BANKING INTERNET BANKING INTERNET Bank@Post deposits Bank@Post deposits Bank@Post deposits Bank@Post deposits

$3.00 $3.00

44

4

$3.00 $3.00

4

Funds transfer transfer and BPAY® BPAY® Funds transfer and BPAY® Funds transfer 10 and free BPAY® per month month then then $0.35 $0.35 10 free each per month then $0.35 10 free each pe Funds and 10 free per each INTERNET BANKING INTERNET BANKING INTERNET BANKING INTERNET BANKING

Term Investment Accounts Premier Investment

Farm Management EOT Farm Management Monthly

$1,000

$1,000

Free#

Free#

Free

Free

$30.00

N/A

Minimun Monthly Balance Branch Withdrawal Balance Enquiry in-branch or through Internet Banking Early Payout Fee

Deposits and withdrawals only available during renewal grace period. Government charges may be payable. This table does not represent all fees and charges that may be payable on your account.

#

Trust Trust Account Account

QLDPAMD PAMDTrust, Trust, QLD QLDSpecial SpecialTrust, Trust, QLD QLD PAMD Trust, NSWAgents AgentsTrust, Trust, NSW & QLD Solicitor Trust NSWSolicitor SolicitorTrust, Trust, NSW Agents Trust, NSW QLD Solicitor QLD Solicitor ACTAgents AgentsTrust, Trust, NSW Solicitor Trust ACT Trust, TASTrust, TAS ACTSolicitor SolicitorTrust, Trust, ACT NT Agents VIC Agents Account Operating VIC AgentsSolicitor Trust^ NT Agents Solicitor Trust^ TRANSACTION WASolicitor SolicitorTrust, Trust, and TrustTrust WA Fees and Charges Trust^ and Trust# SA Solicitor WAREBA REBATrust, Trust, WA SA Solicitor Account Maintenance WA Fee $6.00 $6.00 Trust* WASettlement SettlementTrust, Trust, Trust^ WATenancy TenancyBond, Bond, WA Minimum monthly balance to SAAgents AgentsTrust Trust&& SA $5,000 $5,000 waive Account Maintenance Fee TASAgents AgentsTrust Trust TAS

Account operating Fees and Charges

Over the Counter TRANSACTION Account Cheques Written Maintenance Fee

Chequesmonthly Deposited Minimum balance to Direct Entry waive Account Maintenance Fee

$0.55 each $0.65 N/AN/A each

$6.00

$0.55 each $6.00

5 free per month then $0.40 each

$6.00

$6.00$0.65 each $6.00

5 free per month then $0.40 each

N/AN/A then $0.20 $5,000 $5,000 $5,000 5 free per month $5,000 each $5,000 5 free per month then $0.20 each

INTERNET BANKING

Over the Counter

$0.55each each $0.55 each $0.55 $0.55$0.55 each each $0.55 each$0.55 each $0.55 each per$0.65 month then$0.65 $0.20 Freeeach Funds Transfer $0.65each each 10 free each $0.65 each Cheques Written and BPay®$0.65 $0.65 each each$0.65 each $0.65 Funds transfer each BPAY – N/A freeper permonth month 5 free5per freemonth per month 5 free per month 5 5free 5 free per month 5 free per month 5 free per month Cheques Deposited then each each then $0.40 then each$0.40 theneach $0.40 each then $0.40 each then$0.40 $0.40each each then $0.40 then $0.40 Single Pay Anyone or Funds freeper permonth month 5 5free transfer to third party BOQ Direct Entry then then$0.20 $0.20each each accounts

INTERNET BANKING Funds transfer and Multi Payment BPAY®

$1.50 for up to 10 payments

10free freeper permonth monththen free per per 10 10 free month thenN/A then10 $0.19 formonth each additional then$0.20 $0.20each each then $0.20 each $0.20 each

Single Pay Anyone or Funds transfer to / Transaction $0.65 $0.65each each Balance Enquiry third party BOQ accounts

History Enquiry

Multi Payment

freemonth per month 5 free per month 5 free5$0.65 per 5 free per month each N/A then $0.20 each each then $0.20 then each$0.20 each then $0.20

transaction

$0.65 $0.65 each each

Free

N/A

N/A

N/A

N/A

N/A

Free

N/A

N/A1

N/A

Free

N/A

up to 10 $1.50 for up for to 10 $1.50 forfor upup toto 1010 $1.50 $1.50

You must not process Multi Paymentpayments from a QLDthen Solicitors Account, as thethen transaction information that prints on your account statement will not payments payments then Trust payments then comply with QLD Law Society Electronic Funds Transfers for each $0.19 each Guidelines. N/A N/A $0.19 $0.19 for each $0.19 forfor each N/A N/A 1

additional additional

additional additional

Free Free

Free Free

Government charges may be payable. This table does not represent alltransaction fees and charges that may be payable on your account. These accounts transaction transaction transaction comply with all relevant legislation.

Balance Enquiry / Transaction History Enquiry

N/A

N/A

N/A

Government charges may be payable. This table does not represent all fees and charges that may be payable on your account. ^ TAS Solicitor Trust Accounts are not permitted to be transacted on via Direct Credit. # NT Agents Trust Accounts are not permitted to be transacted on via Direct Debit or or Direct Credit. * SA Solicitor Trust Accounts are not permitted to be transacted on via Direct Debit. These accounts comply with all relevant legislation.

5 6

N/A

Definitions Definitions Definitions Account Maintenance Fee* Definitions Account Account Maintenance Maintenance Fee* Fee*

Account Fee* A fee charged ifif the balance monthly balance. This feefee willwill notnot be be ▪Account feeMaintenance the balancefalls fallsbelow belowthe therequired requiredminimum minimum monthly balance. This Maintenance Fee* ▪ A fee fee charged charged ifmonth the balance balance falls below the required minimum monthly balance. This fee will not be charged in your isisopened. If there minimum are insufficient funds in your account to cover A if the falls below the required required minimum monthly balance. This fee fee will will not be be in the theif month youraccount account opened. ▪▪ A fee charged the balance falls below the monthly balance. This not charged in the month your account is opened. the fee, we willifdebit your account and it. minimum monthly balance. This fee will not be charged in the the month your account is overdraw opened. ▪ A fee charged the balance falls below the required charged in month your account ATM/EFTPOS Withdrawal/Transfer Fee* is opened. charged Withdrawal/Transfer in the month your account ATM/EFTPOS Fee* is opened. ATM/EFTPOS Withdrawal/Transfer Fee* Withdrawal/Transfer Fee* ▪ATM/EFTPOS A fee charged for cash withdrawals or transfers through BOQ ATMs and EFTPOS Withdrawal/Transfer Fee* or ▪▪ATM/EFTPOS A fee charged for cash withdrawals transfers through BOQ ATMs and EFTPOS A fee charged for cash withdrawals transactions. ▪ A fee charged for cash withdrawals or or transfers transfers through through BOQ BOQ ATMs ATMs and and EFTPOS EFTPOS transactions. ▪ A fee charged for cash withdrawals or transfers through BOQ ATMs and EFTPOS transactions. transactions. ATM transactions. Operator ATM Operator ATM Operator Operator ▪ATM An organisation, that owns, leases or operates an ATM other than a BOQ ATM. ATM Operator ▪▪ An organisation, An organisation, that that owns, owns, leases leases or or operates operates an an ATM ATM other other than than aaa BOQ BOQ ATM. ATM. ▪ATM An organisation, that owns, leases or operates an ATM other than BOQ ATM. Operator Fee ▪ATM An organisation, that owns, leases or operates an ATM other than a BOQ ATM. Operator Fee ATM Operator Fee ATM Operator Fee ▪ The ATM Operator Fee is a fee charged by the ATM Operator as disclosed on the ATM screen at a ATM Operator Feetransaction The ATM Operator Fee is is aa fee fee charged bycardholder the ATM ATM Operator as disclosed disclosed on the the ATM screen at aa ▪▪▪ The ATM Operator Fee by as on screen at point in the allows the to opt-out of the transaction without incurring any The ATM Operator Fee iswhich a fee charged charged by the the ATM Operator Operator as disclosed on the ATM ATM screen at a point in the transaction allows the cardholder to opt-out of the transaction without incurring any ▪ The ATM Operator Fee iswhich a fee by the ATM Operator as disclosed on the ATM screen at a point in the transaction which allows the cardholder to of without incurring any charge. ATM Operator Feecharged includes Balance Enquiries. point in The the transaction which allows the cardholder to opt-out opt-out of the the transaction transaction without incurring any charge. The ATM Operator Fee includes Balance Enquiries. point in the transaction which allows the cardholder to opt-out of the transaction without incurring any charge. The ATM Operator Fee includes Balance Enquiries. charge. The ATM Operator Fee includes Balance Enquiries. Bank@Post Withdrawal Fee charge. The ATM Operator Fee includes Balance Enquiries. Bank@Post Withdrawal Withdrawal Fee Fee Bank@Post ▪Bank@Post This feeWithdrawal is chargedFee for each Bank@Post withdrawal conducted at Australia Post offices, including Bank@Post ▪▪ This is for Bank@Post withdrawal This fee feeWithdrawal is charged chargedFee for each each Bank@Post withdrawal conducted conducted at at Australia Australia Post Post offices, offices, including including EFTPOS purchases with a cash-out component. ▪ This fee is charged for each Bank@Post withdrawal conducted at Australia Post offices, including EFTPOS aa cash-out component. ▪ This fee purchases is charged with for each Bank@Post withdrawal conducted at Australia Post offices, including EFTPOS purchases with cash-out component. EFTPOS purchases with a cash-out component. Bank@Post Deposit Fee EFTPOSDeposit purchases Bank@Post Fee with a cash-out component. Bank@Post Deposit Fee Fee ▪Bank@Post This feeDeposit is charged for each Bank@Post Deposit at Australia Post offices. Bank@Post Fee for This fee feeDeposit is charged charged for each Bank@Post Bank@Post Deposit at at Australia Post Post offices. ▪▪▪ This is ThisEnquiries fee is charged for each each Bank@Post Deposit Deposit at Australia Australia Post offices. offices. ▪Balance This fee is charged for each Bank@Post Deposit at Australia Post offices. Balance Enquiries Enquiries Balance EnquiriesBalance Enquiry , being a request for an account balance conducted through a ▪Balance A non-BOQ Balance Enquiries a request for an account balance conducted through aa ▪▪ A non-BOQ Balance Enquiry ,, being A Balance non-BOQ ATM. being aa request request for for an an account account balance balance conducted conducted through through a ▪ A non-BOQ non-BOQ Balance Enquiry Enquiry , being ATM. ▪BOQ non-BOQ A non-BOQ Balance Enquiry , being a request for an account balance conducted through a non-BOQ ATM. non-BOQ ATM. ATM non-BOQ ATM. BOQ ATM BOQ BOQ ATM ATM means a BOQ branded ATM and includes an ATM belonging to the rediATM network. ATM ▪BOQ BOQ BOQ ATM ATM ATM means aa BOQ BOQ branded ATM and includes includes an ATM ATM belonging to to the rediATM rediATM network. means branded ATM and ▪▪▪ BOQ a participant in the rediATM network. BOQ is ATM means a BOQ branded ATM and includes an an ATM belonging belonging to the the rediATM network. network. BOQ is a participant in the rediATM network. ATM means a BOQ branded ATM and includes an ATM belonging to the rediATM network. BOQ in rediATM network. ▪ BOQ is is aa participant participant in the the rediATM network. BOQ BOQ ATM is Balance Enquiry a participant inFee the rediATM network. BOQ ATM Balance Enquiry Fee BOQ ATM Balance Enquiry Fee ATM Balance Enquiry through Fee ▪BOQ All balance enquiries BOQ ATMs are free. ATM Balance Enquiry through Fee ▪BOQ All balance enquiries BOQ All balance enquiries through BOQ ATMs ATMs are are free. free. ▪▪Branch All balance enquiries through BOQ ATMs are free. ▪Branch All Deposit* balance enquiries through BOQ ATMs are free. Deposit* Branch Deposit* Deposit* ▪Branch A fee charged for deposits through BOQ branches. This fee includes deposits Branch Deposit* ▪▪ A fee charged for deposits through BOQ branches. This fee includes deposits A fee for through BOQ ATMs. ▪ A fee charged charged for deposits deposits through through BOQ BOQ branches. branches. This This fee fee includes includes deposits deposits through BOQ ATMs. through BOQ ▪ A fee charged for deposits through BOQ branches. This fee includes deposits through BOQ ATMs. ATMs. Branch Withdrawal* through BOQ ATMs. Branch Withdrawal* Withdrawal* Branch Withdrawal* ▪Branch A fee charged for withdrawals (includes cheques cashed) and transfers through BOQ Branch Withdrawal* ▪ A fee charged for withdrawals (includes cheques cashed) and transfers through BOQ A fee fee charged for for withdrawals withdrawals (includes (includes cheques cheques cashed) cashed) and and transfers transfers through through BOQ BOQ branches. ▪▪ A charged branches. ▪ A fee charged for withdrawals (includes cheques cashed) and transfers through BOQ branches. branches. Business Overdraft Fees branches. Business Overdraft Fees Overdraft Fees Business Overdraft ▪Business If you have an Fees overdraft attached to your Everyday Business Account, Business Cheque Account, Business Overdraft If you you have an Fees overdraftAccount attached to your Everyday Everyday Business Account, Business Cheque Account, ▪▪▪ If have an overdraft attached to your Business Account, Business Cheque Account, Business Management orto Unlimited Business Account™, the fees set out under Account, “Business If you have an overdraft attached your Everyday Business Account, Business Cheque Business Management Account or Unlimited Business Account™, the fees set out under “Business Business Management Account orto Unlimited Business Account™, the fees fees set out out under Account, “Business ▪ If you have an attached your Everyday Business Account, Business Cheque Overdrafts” willoverdraft also apply to your account. Business Management Account or Unlimited Business Account™, the set under “Business Overdrafts” will also to Overdrafts” will also also apply apply to your your account. Business Management Account or account. Unlimited Business Account™, the fees set out under “Business Overdrafts” will Cheques Deposited Fee* apply to your account. Overdrafts” will Fee* also apply to your account. Cheques Deposited Deposited Fee* Cheques Fee* ▪Cheques A feeDeposited charged to your account for each cheque that you deposit. Cheques Deposited Fee* ▪▪ A fee charged to your account for each cheque that you deposit. A fee fee charged charged to to your your account account for for each each cheque cheque that that you you deposit. deposit. ▪Cheques A Fee* ▪Cheques A feeWritten charged to your account for each cheque that you deposit. Written Fee* Written Fee* Cheques Fee* ▪Cheques A feeWritten charged for cheques debited to your account other than bank cheques or cheques cashed Cheques Fee* ▪ A fee charged for cheques debited to your account other than bank cheques or cheques cashed A feeWritten charged for cheques cheques debited debited to to your your account account other other than than bank bank cheques cheques or or cheques cheques cashed cashed over the counter. ▪▪ A fee charged for over the counter. over the counter. ▪ A fee charged for cheques debited to your account other than bank cheques or cheques cashed the(Direct counter. Directover Entry Debits and Direct Credits)* over the(Direct counter. Direct Entry Debits and Direct Credits)* DirectA Entry Entry (Direct for Debits and Direct Credits)* (Direct Debits and Direct Credits)* ▪Direct fee charged direct debits and direct credits to and from BOQ. This fee is not Entry (Direct Debits and Direct Credits)* ▪▪DirectA fee charged for direct debits and direct credits to and from BOQ. This fee is not A fee charged charged for direct debits and direct credits credits to and and from from BOQ. BOQ. This This fee fee is is not not charged for transactions through Internet Banking. ▪ A fee for direct debits and direct to charged for transactions through Internet Banking. ▪ A fee charged for direct debits and direct credits to and from BOQ. This fee is not charged for for transactions transactions through through Internet Internet Banking. charged Banking. Currency Transactionthrough Fee Foreign charged for transactions Internet Banking. Currency Transaction Fee Foreign Currency Transaction Feeyour card for transactions involving foreign currency. The fee is calculated Foreign Fee ▪Foreign A feeCurrency charged Transaction when you use Currency Transaction Feeyour ▪▪Foreign A fee charged when you use card for transactions involving foreign currency. The fee is calculated A fee charged when you use your dollar card for for transactions involving foreign currency. The feetransaction. is calculated calculated as a percentage of the Australian equivalent of the foreignforeign currency value of thefee ▪ A fee charged when you use your card transactions involving currency. The is as a percentage of the Australian dollar equivalent of the foreign currency value of the transaction. as percentage of the the Australian dollar equivalent of the the foreign currency valuetoof of thefeetransaction. transaction. ▪ A fee charged when you use components your dollar card for involving currency. The is currency calculated as aa percentage of equivalent of foreign currency value the This fee is comprised ofAustralian two -transactions the fee we pay to theforeign Card Scheme perform as a percentage of for theof dollar equivalent ofvalue) the currency valueto the (1.5% transaction. This fee is comprised two components - the fee we pay to the Card Scheme perform currency This fee is is services comprised of two components the fee we we payforeign to theour Card Scheme toofperform perform currency exchange usAustralian (1% components of the foreign currency and administration fee of the This fee comprised of two -- the fee pay to the Card Scheme to currency exchange services for us (1% of the foreign currency value) and our administration fee (1.5% the 2%currency ofof This fee currency is services comprised two components fee wevalue) pay to theour Card Scheme to perform exchange services for of us (1% ofDebit). the foreign foreign- the currency value) and our administration fee (1.5% (1.5% ofthe the foreign value for Visa exchange for us (1% of the currency and administration fee of the foreign currency value for Visa Debit). exchange services for us (1% of the foreign currency value) and our administration fee (1.5% of the foreign currency currency value value for for Visa Visa Debit). Debit). foreign Internet Banking Single Pay for Anyone Fee including Funds Transfer to Third Party foreign currency value Visa Debit). Internet Banking Single Pay Anyone Fee including Funds Transfer to Third Party Internet Banking Single Single Pay Pay Anyone Anyone Fee Fee including including Funds Funds Transfer Transfer to to Third Third Party Party Internet Banking BOQ Accounts* Internet Banking Single Pay Anyone Fee including Funds Transfer to Third Party BOQ Accounts* Accounts* BOQ ▪BOQ AAccounts* fee charged where you make a Single Pay Anyone Payment using Internet Banking. BOQ ▪ A fee charged where you make Single Pay Anyone Payment using Internet Banking. AAccounts* fee charged charged where where you you make make aaa Single Single Pay Pay Anyone Anyone Payment Payment using using Internet Internet Banking. Banking. ▪▪ A fee 6 Payment using Internet Banking. ▪ A fee charged where you make a Single Pay Anyone 7 136329BOQ BOQG481 G481Booklet.indd 2012-06.pdf 88 28748

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