BUSINESS BANKING FEES - NAB

SECTION 3NAB CARDSFOR BUSINESSAnnual card feeNAB RewardsBusinessSignatureCard – VisaNAB QantasBusinessSignatureCard – Visa 175 per card 295 per cardMonthly card feeN/AN/ALate payment feeDebited at the end of statementperiod, if at that time, any amountdue and payable is 3 or more daysoverdue and the unpaid balance ofthe account is more than 100 15 h advance fee – All channels2, 3You will be charged a percentageof the cash advance (in Australiandollars) or a minimum fee,whichever is greater.Note: NAB posts purchases andcash advances in that order to youraccount before posting paymentsand refunds.2%(min 2.50)2%(min 2.50)International cash withdrawal feeInternational cash withdrawal madevia an ATM outside Australia or overthe counter at a financial institutionoutside Australia.N/AN/ANAB international transaction feeInternational transactions aretransactions where the merchant,financial institution or entityprocessing the transaction is locatedoutside Australia. These transactionsare either a:–S ingle-currency internationaltransaction: where the transactionis made in Australian dollars (AUD)–M ulti-currency internationaltransaction: where the transactionis made in a currency other thanAustralian dollars (AUD)Transaction type Registered trademark of MasterCard. Registered trademark of American Express Company.1 The NAB international transaction fee includes a fee charged by the Card Schemeto NAB (and on charged by NAB to you), calculated on the converted AUD amountshown on your statement (excluding American Express Multi Currency).2 Includes via a NAB ATM, non-NAB ATM, NAB Internet Banking, NAB TelephoneBanking, NAB Branch, Travelex or Australia Post (Bank@PostTM outlet (over thecounter)).10

NAB LowRateBusinessCard – VisaNABBusinessCard – VisaNAB QantasBusinessCard Mastercard (no longerfor sale)NABBusinessPaymentsCard - Visa(no longerfor sale)VelocityNABAmericanExpress Card (nolonger forsale) 60 per cardN/AN/AN/AN/AN/A 9 per card 12 per card 0N/A 15 15 15 15 15Fee1Fee1Fee1Fee1Fee13%3%3%3%N/A3%3%3%3%N/A2%(min 2.50)2%(min 2.50)2%(min 2.50)N/AN/AN/AN/AN/A 4 perwithdrawalN/A3 I n the case of cash advances made in currencies other than Australian dollars (AUD),the cash advance amount used to calculate the cash advance fee is the AUD amountposted to your NAB credit card account.11

The following applies to all cardaccounts outlined on the previous pages,unless otherwise indicatedAccess overseas via PLUS or CIRRUS ATMs via a linked NABCredit CardRefer to Section 1 for NAB Business Visa Debit Card feesNAB Purchasing and Corporate Cards – Visa12Annual/Membership feeEach card per annum, chargedmonthlyVaries depending on contractualagreementTransaction feeVaries depending on contractualagreementVisa international feeCharged to NAB and on chargedby NAB to your account forpurchase transactions where:– the original transaction currencyis not in Australian dollars (AUD);and– the merchant, the merchant’sfinancial institution or entityprocessing the transaction islocated overseas.The fee will be a percentage of theconverted amount and is includedin the posted AUD amount.1%

SECTION 4BUSINESS LENDING FACILITIESBusiness Loans and OverdraftsApplication feeAvailable on applicationMandate feeAvailable on applicationService feesAvailable on applicationQuickBiz Overdraft service fee1.75% of the facility limit perannum, payable in arrears anddebited to your transactionaccount on the last businessday of each month.Other feesEconomic cost1Available on applicationExtension feeAvailable on applicationFacility feeAvailable on applicationMarkets Loans – cap ratepremiumAvailable on applicationMarkets Loans – rangerate premium2Available on applicationReset feeAvailable on applicationReview/Renewal feeAvailable on applicationUndrawn feeAvailable on application1 Economic cost is the bank’s reasonable estimate of its loss (if any) from the earlytermination of a loan/facility, the early termination of a fixed rate or a prepayment.2 Markets Loans – range rate premium is applicable to Corporate Markets Loan only.Bank Guarantee(also known as guarantee by bank)Issuing feeAvailable on applicationService fee/half-yearly feeAvailable on applicationForeign currency bankguarantee feesAvailable on application13

Bill FacilitiesApplication feeAvailable on applicationBill drawdown fee (chargedon initial drawdown and eachsubsequent rollover)Available on applicationFacility feeAvailable on applicationActivation feeAvailable on applicationFloor cap premiumAvailable on applicationCap rate premiumAvailable on applicationFlexible rate premiumAvailable on applicationProperty DevelopmentThe following fees are applicable when Property Credit Risk (PCR)undertakes due diligence, negotiates, prepares or consentsto the following documents:PCR building contract – short form 245PCR building contract – long form 475PCR tripartite deed – short form 375PCR tripartite deed – long form 535Equipment Finance/Asset FinanceDocumentation and settlement feesEquipment loan1 475Lease, hire purchaseor term rental1 475 (plus GST)Private sale or customerreimbursement (equipment loan) 550 or 0.25% of the amountfinanced, whichever the greaterPrivate sale (lease, hire purchaseor term rental) or sale andleaseback, sale and hirebackor sale and rentback 550 or 0.25% of the amountfinanced, whichever the greater(plus GST)Specialised documentation(equipment loan) 750 or 0.25% of the amountfinanced, whichever the greaterSpecialised documentation(lease, hire purchaseor term rental) 750 or 0.25% of the amountfinanced, whichever the greater(plus GST)1 Fee applies for standalone facilities and those drawn under a Master Asset FinanceAgreement.14

Other feesEquipment loan variation fee(payable on total prepayment)One month’s instalment(or equivalent for structuredtransactions) applicable toequipment finance contractsentered into before 12November 2016Unrecovered establishment costs 275 prorated (based on(equipment loan)remaining months of the loan)applicable on total prepaymentof equipment loans enteredinto after 11 November 2016where there is early terminationof the entire contractEarly terminationadministration fee 125 per event (plus GSTif applicable) applicable onprepayment of equipmentloan, hire purchase or financeleases entered into after11 November 2016Assignment of equipmentfinance contract to third party/Deed of Variation to equipmentfinance contract to changeguarantors 750 (plus GST if applicable)to a new borrower/changeto guarantorsAsset substitution fee 475 (plus GST & PersonalProperty Securities Registrationand Maintenance fee ifapplicable) applicable perequipment finance contractedasset where an insurersubstitutes the asset in theevent of write-off or total lossRollover fee (equipment loan) 150 applicable per rollover ofeach Floating Rate equipmentfinance agreementRollover fee (finance lease) 150 plus GST applicable perrollover of each Floating Ratelease agreementPersonal Property SecuritiesRegistration and Maintenancefee – equipment loan 25Personal Property SecuritiesRegistration and Maintenancefee – lease, hire purchase orterm rental 25 (plus GST)Registration of a securityinterest on the PersonalProperty Securities Register(for each registration)Applicable governmentregistration fees may apply 165 (plus GST if applicable)for each additional contractamended15

TRADE & WORKING CAPITALExportsDocumentary Collections – Outward D/P (Sight) or D/A (Term)Despatched for collection0.25% of collection amount(minimum 90) (maximum 850) plus handling andcommunication chargesof 25 (GST inclusive)Purchased for collection0.25% of collection amount(minimum 90) (maximum 850) plus 50 Trade Financefee plus handling andcommunication chargesof 25Direct Collections usingNAB Connect 60 (GST inclusive)Direct Collections Purchasedusing NAB Connect 60 plus 50 Trade Finance feeOther Services(inclusive of handling and communication charges)Collections presented withinstructions to releaseagainst simple receiptor free of payment 90 for each set of documents(GST inclusive)Refusal to accept/pay againstdocuments as presented 90Letters of Credit Inward – Export/Local/StandbyAdvising new credits oramendments - charged wheredocuments will be presentedto another bank. Waived ifdocuments are presentedto NAB. 90 (new credits) 50 (amendments)Drawings – documentsdespatched0.25% of drawing amount(minimum 90) (maximum 850) plus handling andcommunication charges of 25Other Services(inclusive of handling and communication charges)Without RecourseorConfirmation16Available on application

Back-to-BackandTransferable CreditsAvailable on application (aminimum assessment fee of 200 applies)Assignment of proceeds(per assignment) 90 (clean) 90 (documentary)Discrepancy Handling fee 40 per set of documentsAcceptance of term draftsdrawn on NAB(not applicable if drawingis done Without Recourseor Confirmation)Available on applicationRefusal to accept/pay againstdocuments as presented 90Bank to Bank Reimbursementclaims 90ImportsDocumentary Collections – Inward D/P (Sight) or D/A (Term)Documents receivedfor collection0.25% of collection amount(minimum 90) (maximum 850) plus handling andcommunication charges of 25Other Services(inclusive of handling and communication charges)Airway Bill Release – goodsconsigned to NABRefusal to accept/pay againstdocuments as presentedExtension of term billson instructions ofremitting party 90 per serviceWhere documents are receivedwith instructions to be releasedfree of payment and item isfinalised in NAB’s recordsPreviously accepted billsreceived for collection andpaymentEndorsement or Avalisation feeAvailable on applicationRelease of documents againstTrust Receipt and NAB acceptsresponsibility for eventualpaymentAvailable on application17

Letters of Credit Outward (Establishment) – Import/Local/StandbyIssued/Established 120 plus handling andcommunication chargesof 15Issued/Established usingNAB Connect 75 plus handling andcommunication chargesof 15Issued fully cash backed 90Other Services(inclusive of handling and communication charges)Standby Letter of CreditAvailable on applicationAmendment 90Amendment using NAB Connect 45Where any undrawn balanceremaining at expiry is greaterthan the equivalent of AUD50000.25% of amount remaining(minimum 90)Cancellation of or any decreasein credit amount0.25% of the cancellation/decrease amount (minimum 90) plus amendment feeLetter of Credit Outward (Drawing) – Import/Local/StandbyDrawings –documents received0.375% of drawing amount(minimum 100) plus handlingand communication charges of 25Drawing – documents receivedwhere Letter of Credit wasestablished using NAB Connect0.325% of drawing amount(minimum 100) plus handling andcommunication charges of 25Other Services(inclusive of handling and communication charges)Refusal to accept/pay againstdocuments as presented 90Note: The following Fees and Charges are normally charged toyour supplier but may be payable by you where you have agreedto this with your supplier.18Acceptance of term drafts and/or incurring a Deferred PaymentUndertaking1.5% p.a. (minimum 90)Handling of discrepanciesUSD90 if drawing is in USD; orAUD90 or equivalent in othercurrency if drawing is notin USDReimbursement bankcommissionUSD90 if drawing is in USD; orAUD90 or equivalent in othercurrency if drawing is notin USD

Invoice FinanceApplication feeAvailable on applicationFacility feeAvailable on applicationPurchase chargeAvailable on applicationPayables FinanceApplication feeAvailable on applicationSupplier discountAvailable on applicationPayment processing chargesUSD25Receivables PurchaseApplication feeAvailable on applicationPurchase chargeAvailable on applicationGeneral Charges and Other Trade ServicesTrade Finance – International or DomesticFinance of trade transactionsFee is to apply to any initialrequest and again on anysubsequent requests for arollover of finance covering: documentary collections telegraphic transfers international cheques invoices onlyNote: Fee is not charged forrefinance under Letters ofCredit, except for rollovers. 50 per serviceTrade Finance – prepayments 50 plus any economic costs11 Economic cost is NAB’s reasonable estimate of its loss (if any) from the earlytermination of a loan/facility, the early termination of a fixed rate or a prepayment.19

SECTION 5OTHER SERVICE FEESAgency credits1Banker assisted deposits to an account using agency creditvouchers (e.g. insurance agents payments)50 agency credits per monthNil (banker assisted depositfees apply)Then each agency credit overthe free limit of 50 per monthwill be charged at 2 per agency creditNote: These fees are in addition to the fees applicable to yourbusiness account (with the exception of NAB Farm ManagementAccounts and NAB Community Fee Saver Accounts) as detailed inthis guide.Example: The following fees would apply where a Banker assisteddeposit of an agency credit with 3 cheques is made into a NABBusiness Everyday Account ( 0 Monthly Fee Option) and the freelimit of 50 agency credits for that month has been exceeded:Agency credit voucher depositedBanker assisted (1 item) 2.503 cheques lodged (3 items) 1.80Agency credit fee 2.00Total 6.301 Payable and debited on the last business day of the month.Automatic Teller Machines (ATM)Non-NAB ATM transactionswithin AustraliaFee for withdrawals and balanceenquiries from non-NAB ATMs,per transactionNil.Note: Other fees may still apply,e.g. non-NAB ATM transactionsmay incur a charge by theowner of the ATM.Access overseas via PLUS or CIRRUS ATMs via a NAB Debit orlinked NAB Credit Card(Refer to Section 1 for NAB Business Visa Debit Card fees)ATM cash withdrawal 4 per withdrawalBalance enquiry 1 per enquiryForeign currency transaction fee2% of Australian dollartransaction amount (applies towithdrawals made in currenciesother than Australian dollars)Balance transfers20Establishment fee 40 per authorityService charge 1.50 per transaction

Bank chequesIssue fee 12 per chequeRepurchase fee 20 per chequeReplacement fee 20 per chequeBills – localCharges will apply whether the bill is recalled, dishonoured, paidor acceptedPresentation of bills payableafter sight for acceptance only 40 per itemNote: Bill (accepted ordishonoured) wheresubsequently held for collectiona collection fee will also apply.Collection or purchase of billspayable at a bank 40 per billNote: Interest charges will alsoapply to bills purchased per bill.This charge is in addition tothe bill presentation fee whereapplicable.Collection of “on demand”drafts or orders or other billsnot payable at a bank 40 per billCollection of cheques notlodged for credit 40 per chequeExemption: Cheques forwarded for collection of balancesof accounts.Cheques and bills received fromother banks for payment on acollection basis 40 per cheque or bill(fee normally deductedfrom proceeds)Exemptions: Collection returned unpaid. Cheques/Withdrawalsreceived for collection of balances of accounts.Representation of cheques andbill dishonoured 9 each notice to customer 15 if on a collection basis,each representationNegotiation of “on demand”drafts or orders or other bills(including brokers’ drafts) notpayable at the bank 40 handling fee for cleandrafts, orders, etc. with onedocument, share certificate and/or transfer 3 for each additionaldocument, certificate and/ortransferNote: Where scrip, etc. is insured by NAB, insurance premium is tobe borne by broker or other party plus a charge of 6.21

BPAY – biller feesEstablishment fee (once only)NAB BPAY establishment fee orchange of sponsorship 99 (GST inclusive) per biller codeCustomised biller validationroutine – if applicable 5,500 (GST inclusive)Customised biller validationroutine and customised checkdigit routine – if applicable 6,000 (GST inclusive)Transaction feesEach transaction 0.88 (GST inclusive)BPAY View – biller feesEstablishment fee (once only)NAB BPAY View establishmentfee or change of sponsorship 99 (GST inclusive) per biller codeTransaction feesEach summary bill or non-valueitem loaded 0.21 (GST inclusive)BPAY Batch – payer feesEstablishment fee (once only)BPAY Batch establishment fee 299 (GST inclusive) per batchuser IDTransaction feesEach payment 0.21 (GST inclusive) Registered to BPAY Pty Ltd ABN 69 079 137 518.Cash handlingNotes/Coin feeApplies to the exchange of notes/coin for alternative denominationsof notes/coinWhere the value of cashexchange exceeds 5,000or more per day0.25% of total amount of cashChange – for non-customersCoins of all denominations 1 per bag or roll (minimum 4)Cashing cheques – customerNon-bank financial institutioncheque drawn on our bankand presented by member forencashment 3Other financial institution’s cheque Nilpresented by our customer22

Cashing cheques – non-customerNAB cheque presented by a non-customer 5 1Other bank’s cheque presented by noncustomer (whether under encashment/negotiation advice or not)1.5% amountof cheque(minimum 10)Other financial institution’s savings accountwithdrawal 10 per item1 Fee is not charged if cheque is cashed at home branch.Certificates–B ank confirmation audit requests– Bill holdings– Comprehensive certificatessupplied for auditEach certificate at anhourly rate of 90 perhour (minimum 70 percertificate)– Deeds and documents held– Goods shippedNote: Charge will apply whether documents are held as securityor otherwise, and for confirmation of previous certificates.Charges where uncertificated shares provided as security underCHESS (Clearing House Electronic Sub-Register System)Establishment of Sponsorship and Holder Identification Number(HIN), upon lodgement of a single line of shares into theMortgagor’s HINSecurities valued1 at up to 500,000 120Securities valued above 500,000 120 for the first 500,000plus 33 for every 100,000(or part thereof) above 500,000 (GST inclusive)Additional lines of securitylodged at establishment 44 irrespective of value(GST inclusive)Statement of holdings 33 (GST inclusive)Statement of transactions 33 (GST inclusive)Tax File Number lodgement2 44 (GST inclusive)Takeover acceptance 44 (GST inclusive)All other transactions not otherwisementioned above or exempted4 12031 Security valuation is the last price quoted at the close of trading on the day beforethe instruction to establish the holding being issued to the Sponsor, multiplied bythe number of shares held.2 Must be lodged with the Sponsor no later than two (2) business days prior to the

For all business accounts, account transaction fees are payable and debited on the last business day of the month. Exceptions: Non-NAB ATM transaction fees which are payable and debited on the day the transaction occurs NAB Business Visa Debit Card or other service fees detailed in S