Personal Banking Guide To Fees And Charges - BOQ

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PERSONALBANKINGGUIDE TO FEESAND CHARGESThis booklet forms part of the Terms and Conditions for DepositProducts and the Supplementary Terms and Conditions for PersonalLending and Electronic Banking Terms and Conditions (if applicable)December 2021G477 12/21

CONTENTSINTRODUCTION2ACCOUNT OPERATING FEES AND CHARGES3 Transaction Accounts3 Savings Accounts4 Term Investment Accounts55 HOME AND PERSONAL LENDING7ELECTRONIC BANKING9INTERNATIONAL SERVICES10GENERAL SERVICES12SAFE CUSTODY SERVICES15PRODUCTS AND SERVICES NO LONGER OFFERED151

INTRODUCTIONWelcome to BOQ and thank you for banking with us.This booklet contains the most common fees and charges that apply to our range of personalOperating Fees and Charges, Home and Personal Lending, Electronic Banking, InternationalServices, General Services and Safe Custody Services. Theremay be some other fees that apply to various services. We’ll give you details of these fees whenyou make an application or as soon as possible afterwards.BOQ offers a great many incentives to its customers through a variety of differentaccount 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 andconditions as it forms part of the following documents: Deposit Products Terms and Conditions; Personal Lending Supplementary Terms and Conditions; Loan Schedule and General Conditions (where applicable); Electronic Banking Terms and Conditions (where applicable).Personal Lending Supplementary Terms and Conditions.GST is not included and is not payable in respect of any fees and charges in this book unlessotherwise 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 phoningus on 1300 55 72 72.2

ACCOUNT OPERATING FEES AND CHARGESDay2Day PlusAccount MortgageOffset AccountMinimum Monthly BalanceN/AN/AAccount Maintenance FeeNilNilMonthly Card Fee (Visa Debit)FreeFreeCashed ChequesFreeFreeTeller WithdrawalsFreeFreeCheques WrittenFreeFreeBOQ Balance EnquiryFreeFreeBOQ ATM/EFTPOSWithdrawals/Transfers/Balance Enquiry 1FreeFreeOther Bank ATM WithdrawalFreeFreeTransaction AccountsATM & EFTPOSAs disclosed on the ATMscreen at the time of thetransactionATM Operator FeeInternet BankingFunds Transfer and BPAYFreeFreeSingle Pay AnyoneFreeFreeMulti PaymentFreeFreeTransfer to BOQ AccountsFreeFreeDirect DebitsFreeFreeDirect CreditsFreeFreeOverseas Bank ATM Withdrawal 5.00 5.00Overseas Bank ATM Balance Enquiry 2.00 2.00Foreign Currency Transaction Fee (Accounts linked to aVisa Debit Card)3.0%3.0%Transfer Orders, Direct Debits and Direct CreditsInternational Transactions#Account Maintenance Fee Exemptions: Upon request, the Account Maintenance Fee will be waived on a nominated account where customers: Are under 18 years of ageN/A Are a full-time student at a University, TAFE orSecondary School (annual renewal applies)N/A Have a BOQ Home LoanN/A1#Merchants or other providers of electronic transactions may impose additional limits and or charges.Only available if an account is linked to a Visa Debit Card. Please note that accounts linked to a Visa Debit Card can be accessed using both overseasATM’s and EFTPOS.If you have an overdraft (no longer offered) attached to your Day2Day Plus Account the fees set out in the “Home and Personal Lending” sectionfor Personal Overdrafts (no longer offered) will also apply to your Account. Other fees and charges (including government charges) may be payable.3

Savings AccountsFast TrackAccountsWebSavingsAccountBonus InterestSavings AccountMinimum Monthly BalanceN/AN/AN/AAccount Maintenance FeeNilNilNilMonthly Card Fee (Visa Debit)N/ANilFreeCashed ChequesN/AN/AN/ATeller WithdrawalsN/AFreeFreeCheques WrittenN/AN/AN/ABOQ Balance ersN/AN/A1 free then 0.65 eachOther Bank ATMWithdrawal/Balance EnquiryN/AN/AFreeN/AN/AAs disclosed onthe ATM screenat the time ofthe transactionFree to the linkedDay2Day Plus AccountFree1 free Internet then 0.30 eachN/A 0.65 each 0.65 eachN/A 1.50 for up to 10payments then 0.19 for eachadditionaltransaction 1.50 for up to 10payments then 0.19 for eachadditionaltransactionFree to the linkedDay2Day Plus AccountFreeFreeDirect DebitsN/AN/AFreeDirect CreditsFreeFreeFreeOverseas Bank ATMWithdrawalN/AN/A 5.00Overseas Bank ATMBalance EnquiryN/AN/A 2.00Foreign CurrencyTransaction Fee (Accountslinked to a Visa Debit Card)N/AN/A3.0%ATM & EFTPOSATM Operator FeeINTERNET BANKINGFunds Transfer and BPAYSingle Pay AnyoneMulti PaymentTransfer Orders, Direct Debits and Direct CreditsTransfer to BOQ AccountsInternational Transactions ##Only available if an account is linked to a Visa Debit Card. Please note that accounts linked to a Visa Debit Card can be accessed using both overseasATM’s and EFTPOS.4

Term Investment AccountsPremier InvestmentMinimum Monthly Balance 1,000Branch WithdrawalFree#BOQ Balance EnquiryFreeEarly payout fee 30.00*Deposits and withdrawals only available during renewal grace period.Other fees and charges (including government charges) may be payable.* An interest adjustment is also applicable for early redemption.#Account Maintenance Fee* Line of Credit Accounts (no longer offered)A fee charged for deposits and withdrawals, including BOQ ATM withdrawals and cheques debited to anaccount, direct debits and direct credits up to your free transaction limit. Deposits are counted as onetransaction, regardless of the number of cheques included with the deposit. This fee is charged even if youmake no transactions in a month. For all other AccountsA set fee charged if the balance falls below the required minimum monthly balance. This fee will not be charged in thefunds are available. This fee will be listed on your statement as a Carry Forward Service.ATM/EFTPOS Withdrawal/Transfer Fee* A fee charged for cash withdrawals or transfers through BOQ ATMs and EFTPOS transactions.5

ATM Operator An organisation, that owns, leases or operates an ATM other than a BOQ ATM.ATM Operator Fee The ATM Operator Fee is a fee charged by the ATM Operator as disclosed on the ATM screen at a pointin the transaction which allows the cardholder to opt-out of the transaction without incurring any charge.The ATM Operator Fee includes Balance Enquiries.BOQ ATM BOQ ATM means a BOQ branded ATM.Balance Enquiry A non-BOQ Balance Enquiry, being a request for an account balance conducted through a non-BOQ ATM.BOQ Balance Enquiry All balance enquiries in-branch, through BOQ ATMs, Internet banking and EFTPOS.Cashed Cheques Fee* A fee charged to your account when a cheque you have written is cashed at a BOQ branch.Cheques Written Fee* A fee charged for cheques debited to your account other than cheques cashed at a BOQ branch.Credit Cards Means the BOQ credit card issued by Citigroup Pty Ltd ABN 88 004 325 080.Early payout FeeEFTPOS Withdrawal Fee* A fee charged for EFTPOS transactions on your account.Fast Track Account/s Is a reference to both the Fast Track Starter and Fast Track Saver accounts.Foreign Currency Transaction Fee A fee charged when you use your Card for transactions involving foreign currency. The fee is calculated as a percentage ofthe Australian dollar equivalent of the foreign currency value of the transaction.This fee is comprised of two components – the fee we pay to the Card Scheme to perform currency exchange servicesfor us (1% of the foreign currency value) and our administration fee (2.0% of the foreign currency value for Visa Debit).Internet Banking Transaction History Enquiry All transaction history enquiries through Internet Banking are free.Internet Banking Multi Payment Fee* A fee charged where you make a Multi Payment using Internet Banking.Internet Banking Single Pay Anyone Fee A fee charged when you make a Single Pay Anyone Payment using Internet Banking. A Single PayInternet Banking Transfer and BPAY Fee* A fee charged for transfers between Nominated Accounts or BPAY Payments using Internet Banking.Other Bank ATM Withdrawal Fee/Other Bank ATM Balance Enquiry Fee* A fee charged by BOQ for each withdrawal or balance enquiry you make through non-BOQ ATMs.Overseas bank ATM Balance Enquiry Fee* A fee charged when an ATM balance enquiry is made outside of Australia.Overseas bank ATM Withdrawal Fee* A fee charged when an ATM withdrawal is made outside of Australia.6

State Penalty Enforcement FeeTeller Withdrawal Fee* A fee charged for cash withdrawals or transfers through BOQ branches (using a withdrawal form or your Card).Transfers to BOQ Accounts Fee A fee changed for each transfer order payment deducted from your account and paid to a BOQ account.This fee is charged to your account each time the transfer occurs.Visa Debit Card Fee* A fee charged for having a Card linked to your account.* This fee is charged monthly on the last day of the month or on the date your account is closed.HOME AND PERSONAL LENDINGLoan Account FeesLoan TypeApplication FeeIntro Rate Variable Home LoansN/AClear Path Variable Home LoansN/AFixed Rate Home LoansN/AEconomy Home Loans 300.00Personal Loans - Unsecured 150.00Personal Loans - Secured 195.0013Ongoing Fees 10.00Home Loan Fee1 10.00 10.00 10.00Maintenance Fee1 7.50Maintenance Fee2 7.50Charged to your loan account on each repayment date.This fee will be charged quarterly in advance on the last day of February, May, August and November.Other ongoing fees are payable for Line of Credit Facilities (no longer offered), Day2Day Plus Account ,Ultimate Accounts and the Reverse ChargesAccount . Please refer to Account Operating Fees and Charges for more information about these feesGeneral Lending FeesThe General Lending Fees outlined in this table are general in nature and subject to your Facility Agreement, apply to allHome and Personal Lending products and services. If you are uncertain whether these charges apply to you, please refer toyour Facility Agreement for more information. Some of these fees may not apply to you.Rate Lock Fee4interest rate for 100 days from the date we process your request after which the rate on thedate of lending would apply.70.15% of approvedloan amount

Break Cost Administration Fee4 Break Cost Administration Fee. Break Costs. 50.00The amount is calculatedin accordance with yourFacility AgreementThe Break Cost Administration Fee and Break Costs are charged in accordance with your Facility Agreement,and may be payable if:the full amount of the loan to fall due for payment). A Break Cost event occurs and we make a loss from re-arranging our fundingConstruction Loan Fee 4Contract Builder.Owner Builder. 250.00 500.00Only applicable to Fixed Rate Home Loans.Valuation FeeFees are charged if we require a valuation report for a property over which you have granted or propose togrant a mortgage.This is not a Bank fee. The amount of the fee will be the fee charged by the appointed valuer and will varydepending on factors such as the location and the value of the property.Default Fee Payable 10 days after a repayment date if you have not paid your repayment or any otherpayment in full on or before that repayment date. A further default fee is payable 10 daysafter the repayment date in each subsequent month until all overdue amounts are paid. 30.00Redraw Fee Charged each time advance loan payments are re-drawn.FreeSettlement Fee Payable for completing settlement of your facility. 150.00Security Release Fee Payable when we agree (at your request) to discharge a security. 350.00Substitution of Security Fee Payable if we agree to substitution of a security for another security.Payable if we agree to substitution of security of a motor vehicle for another motorvehicle security. 300.00 150.00Consent Fee Payable whenever we give consent (following a request from you) to a changein security. 300.00Production Fee 150.00institution.Emergency Limit FeePayable for the establishment of a temporary increase to your personal overdraft (no longeroffered) facility limit, or the establishment of a temporary limit on your Day2Day PlusAccount ,Reverse Charges Account or Ultimate Account.8 300.00

Legal Review FeesLegal Review Fee – StandardPayable for each document that the Bank is required to review, amendor prepare and which is categorised by the Bank as a standard document.A standard document may include but is not limited to: review of a trust deed, consent document, power of attorney or a caveat; or 350.00priority.Legal Review Fee – ComplexPayable for each document that the Bank is required to review, amendor prepare and which is categorised by the Bank as a complex document.A complex document may include but is not limited to: review of an association’s rules/constitution, agreements/deeds, lease or licence,and share mortgages; or amendment or preparation of a mortgage over lease, right of entry, mortgagee’s consent tolease, ASIC performance bonds, share mortgages and mortgage overlife insurance. 500.00ELECTRONIC BANKINGSecurity Tokens for Internet BankingFree Defective tokensFree Stolen token (police report required)Free 50.00 each 50.00 each Replacement tokens 50.00 eachPayments File UploadAll of the following fees are GST inclusive.Establishment Fees Direct Credit Facility 100.00 Direct Debit Facility 450.00Transaction Fees 3.00 0.15 Manual input of a Credit or Debit Transaction – each transaction 3.00 25.00Recall Fees Recall Fee (in addition to the following items) 50.00 3.00 0.15 Manual input of a Credit or Debit Transaction – each transaction9 3.00

Transaction Negotiation Authority Establishment Fee 100.00 Amendment Fee 50.00 TNA Limit Reference Fee 25.00Telegraphic Transfer Processing Fees To debit an Australian Dollar Account 20.00 To credit an Australian Dollar Account 10.00 Cancellation of a Telegraphic Transfer 25.00 Amendment of a Telegraphic Transfer 25.00 Trace of a Telegraphic Transfer 40.00USD 20Correspondent Banking Fee Reference Guide Estimated Correspondent Banking Fee whensending a Telegraphic Transfer from AustraliaThe Bank processes telegraphic transfers through its global network of Correspondent Banks.The correspondent banking fees set out above are to be used as a guide only. Sometimes theremay be more than one Correspondent Bank. Any additional fees will generally be deducted fromthe value of the telegraphic transfer. These fees may change at any time without notice and aresubject to a number of factors including value of the telegraphic transfer and destination country.Upon your request the Bank will use best endeavours to obtain details of the fees charged byCorrespondent Banks that were used to send your telegraphic transfer.EUR 20GBP15CHFSFr.20NZD 27CAD 0SGD 20JPY 3000HKD 220THB450ZAR R300RTGS Payments 20 pay anyone payment feeAdditional fees may be deductedby other banks involved in the transfer RTGS Payment request Cancellation of an RTGS Payment 25.00 Amendment of an RTGS Payment 25.00 Trace of an RTGS Payment 40.00INTERNATIONAL SERVICESBills for Collection - Received from Overseas0.30% of AUD value,minimum 100.00maximum 800.00 For collection and payment Dishonour/Defer of inward collection Extension/representation of inward bill Release of goods/undertaking/Air waybill Release Avalisation Additional Correspondence 70.00 including expenses Noting/Protesting 80.00 plus legal expenses 70.00 including expenses 80.00 80.00 pluscustomer’s credit risk margin10

Bills for Collection – Sent OverseasCheques drawn on an overseas bank deposited to your account Cheque drawn on an overseas bank sent for payment prior todeposit (overseas bank fee deducted from proceeds) Dishonour of cheque negotiated/sent overseas Documentary collection Dishonour of documentary collection Tracers/Additional Correspondence Financing0.2% of AUD valueminimum 50.00 plus expenses 35.00 plus otherbank’s fee where applicable0.25% of AUD valueminimum 80.00 plus expenses0.25% of AUD valueminimum 80.00 including expenses 30.00 per enquiryOn applicationCash PassportPlease refer to the Cash Passport Brochure for a list of applicable fee’s and charges. A copy of this can beobtained at any branch.Drafts – In Foreign CurrencyInward 20.00institution fee if applicable)Outward Issued 25.00 Advice of fate Replacement of lost draft or stop payment with refund 30.00 Repurchase 20.00 10.00(plus transmission cost if applicable)Foreign Cheque Cheque deposited prior to payment by an overseas bank 25.00Overseas Notes Purchased by us Sold by us 5.00 per currency1% of AUD valueminimum 5.00 each currencyTelegraphic Transfer Processing Fees To debit an Australian Dollar Account 20.00 To credit an Australian Dollar Account 10.00 Recall of telegraphic transfer 25.00 Trace of telegraphic transfer 40.00 Rejected telegraphic transfer (repair) 25.00Travellers Cheques Issue Negotiation (encashment)1% of AUD value minimum 10.00 eachapplicant for each currency 7.00per currency11

GENERAL SERVICESCards Cards replaced within Australia Cards replaced outside AustraliaCharged whenever a lost or stolen Cards is replaced. Card Courier FeeCharged when a new or replacement cards is requested to be delivered sooner 15.00 each card 75.00 each card 20.00 each cardBank Cheque Fee Each cheque issued 10.00 Each cheque repurchased 15.00 Each replacement cheque issued 25.00Bills for Collection – Local Inward or Outward (all items) By personal delivery 30.00 60.00 each hourminimum 30.00(plus expenses)Business Entity Search Fee Charged when a business entity, either a company or a registeredbusiness, opens an account (each search). 40.00 10.00 each 30.00 each 60.00 each hourminimum 30.00Cheque Books Each Cheque book orderedFreeCoin Handling Fee Coin Handling Fee 10.00 per bag Bagged Coin 0.50 per bagminimum 2.50 Unsorted, unbagged coin5% of valueminimum 10.00Counter Cheques Each cheque issued 0.2012

Default FeesNotices IssuedFees are charged when a notice is issued because your account is in default. Demand Notice Fee 10.00 Power of Sale Notice Fee 10.00 Notice Requiring Vacant Possession Fee 10.00 Notice to Tenant Requiring Vacant Possession Fee 10.00Call Fee Charged whenever we visit you after a default has occurred. 50.00Mortgagee Sale Fee Charged for each property we hold as security for a loan facility where the Bank commencesmortgagee sale procedures (whether or not a sale is completed) 400.00Disputed Transaction Enquiry FeeThis fee will not be payable where we have determined that the transaction was not authorised by the cardholder. Each disputed transaction where Visa Debit was used 12.00 Each disputed transaction where EFTPOS was used 15.00Electronic Transaction Error Correction Fee Payable, when the Bank is requested by you, or the recipient Financial Institution or Biller, tocorrect an error you have made with a BPAY payment Pay Anyone transaction, Direct Credit/Debit transaction and Multi Payment transaction. 30.00Photocopies Each page, excluding statements 0.2013

State Penalty Enforcement Registry Fee Charged each time a payment is made to the State PenaltiesEnforcement Registry 30.00Statements Duplicate statement – each statementFree Statement ordered at a branch – each statementFree Statement ordered through Internet BankingFree Statement fee - for issues other than monthly, quarterly or half-yearlyFree Statement sent to overseas address – each statementFree Repeat of previously issued statement – each statementFree Faxed statement – each statementOther statement fees may also applyFree Transaction list issued at a branch – each listFreeStop Payments Issued ChequesThe total of this fee will be charged to your account monthly on thelast day of each month or on the date your account is closed. Direct DebitsThis fee is payable for either a temporary suspension or a permanentcancellation of the Direct Debit payment. 10.00FreeTelegraphic Transfer Processing Fees To debit an Australian Dollar Account 20.00 To credit an Australian Dollar Account 10.00 To debit an Australian Dollar Account In Branch 30.00USD 20Correspondent Banking Fee Reference Guide Estimated Correspondent Banking Fee whensending a Telegraphic Transfer from AustraliaEUR 20GBP15CHFSFr.20The Bank processes telegraphic transfers through its global network of Correspondent Banks.The correspondent banking fees set out above are to be used as a guide only. Sometimes theremay be more than one Correspondent Bank. Any additional fees will generally be deducted fromthe value of the telegraphic transfer. These fees may change at any time without notice and aresubject to a number of factors including value of the telegraphic transfer and destination country.Upon your request the Bank will use best endeavours to obtain details of the fees charged byCorrespondent Banks that were used to send your telegraphic transfer.NZD 27CAD 0SGD 20JPY 3000HKD 220THB450ZAR R300Trace Request For each request to perform a trace on any transaction type. 15.00Transfer Fees to accounts at another Australian Financial Institution Periodical Transfer Fee – each payment 3.50 Bank Transfer Fee (staff assisted) – each payment 5.00Transfer Fees to accounts at BOQ Periodical Transfer Fee – each payment Excludes payments made via Internet BankingFreeUnclaimed Funds Fee Charged when an account has been inoperative for 7 yearsor more as at 31 December.14 30.00

Vouchers and other records for searching Location and photocopying – each search 12.00 General search of records 60.00 each hourminimum 30.00 Privacy Act – access request 66.00 each hour(GST inclusive) Direct debit validation search enquiry 30.00SAFE CUSTODY SERVICESSafe CustodyEnvelope (annual fee) 406mm x 152mm 10.00 308mm x 254mm 20.00Boxes (annual fee) First 8,000 cubic centimetres 30.00 Each additional 1,000 cubic centimetres Postmasters’ or others’ locked bags and boxes – each lodgement 2.50 10.00Access fee Each inspection 2.00PRODUCTS AND SERVICES NO LONGER OFFEREDTransaction AccountsMinimum Monthly BalanceAccount Maintenance FeeChoiceAccountUltimateAccountLess than 1,000 1,000 and over 5.00Nil 5.00FreeBonus Payment*N/ACashed Cheques 2.00Cheques Written2 free then 2 each 1.00BOQ Balance EnquiryPensionPlusAccountManagement 2,000and overN/AN/ANilNil 5.00FreeFreeN/AN/A eeFreeFreeFreeFreeFreeLessLess 1,000thanthanand over 1,000 2,000Monthly Card Fee (Visa Debit)Teller WithdrawalsReverseChargesAccountNil 4.00FreeNil2 freethen 2eachFree2 free then 1 eachFree 2.00CashAccountATM & EFTPOSBOQ ATM/EFTPOSWithdrawals/Transfers/Balance Enquiry5 free then 0.65 each3 freethen 0.65each15 freethen 0.65eachOther Bank ATM WithdrawalFreeATM Operator FeeAs disclosed on the ATM screen at the time of the transaction15

Internet Banking10 free Internet then 0.30 eachFreeFreeFree 0.65 eachFreeFreeFree 1.50 for up to 10 payments then 0.19 for each additional transactionFreeFreeFreeFunds Transfer and BPAYSingle Pay AnyoneMulti PaymentTransfer Orders, Direct Debits and Direct CreditsTransfer to BOQ AccountsFreeDirect DebitsFreeDirect CreditsFreeInternational Transactions#Overseas Bank ATM Withdrawal 5.00Overseas Bank ATM Balance Enquiry 2.00Foreign Currency Transaction Fee(Accounts linked to a Visa Debit Card)3.0%Account Maintenance Fee Exemptions: Upon request, the Account Maintenance Fee will be waived on anominated account where customers: Are under 18 years of age Are a full-time student at aUniversity, TAFE or SecondarySchool (annual renewal applies) Have a BOQ Home Loan* Bonus payment is paid to accounts that maintain a minimum balance of 2,000 for the full month. Any bonus payment amount will be included in theinterest payment figure, which is paid quarterly on the last day of the month and shown at the bottom of your statement.Refer to Deposit Products Terms and Conditions for General Tax Information.#Only available if an account is linked to a Visa Debit Card. Please note that accounts linked to a Visa Debit Card can be accessed using both overseasATM’s and EFTPOS. If you have an overdraft attached to your Ultimate Account, the fees set out in the “Home and Personal Lending” section forPersonal Overdrafts will also apply to your Account. Other fees and charges (including government charges) may be payable.Easy Investment AccountMinimum Monthly Balance 1,000Branch WithdrawalFree Balance Enquiry in-branch or through Internet BankingFree Internet Banking funds transfersFree Internet Banking Pay Anyone PaymentsFree Direct Debits and CreditsFree Multi Payment 1.50 for up to10 payments then 0.19 for eachadditional transaction Withdrawals and Deposits must be larger than the relevant minimum withdrawal or deposit limit.Government charges may be payable. This table does not represent all fees and charges that may be payable on your account.16

Line of Credit AccountsHELP IHELP II*Line of CreditLine of CreditPackagesMaintenance FeeN/A 10 eachmonth 40 freetransactions permonth then 0.60 each 10.00NilAgreed Credit Advance Fee*N/A 60 each quarterN/AN/AMonthly Card Fee (Visa Debit)N/AFreeN/AN/A40 freetransactionsper month then 0.60 eachFreeDeposits and withdrawals,including BOQATM withdrawals and cheques debited toan account, direct debits and direct creditsN/AN/A40 freetransactionsper month then 0.60 eachOther Bank ATMN/AN/AFreeATM Operator FeeAs disclosed on the ATM screen at the time of the transactionEFTPOSBOQ ATM Balance Enquiry 0.65 each 0.65 eachFreeFreeFreeFree10 free per monththen 0.30 each10 free per monththen 0.30 eachFree 0.65 each 0.65 eachFree 1.50 for up to10 paymentsthe 0.19 foreach additionaltransaction 1.50 for up to10 paymentsthen 0.19 foreach additionaltransactionFreeFreeFreeInternet BankingFunds Transfer and BPAYSingle Pay Anyone PaymentsFreeMulti PaymentBalance and Transaction History EnquiryFreeInternational Transactions #Overseas BankATM WithdrawalN/AN/A 5.00 5.00Overseas BankATM Balance EnquiryN/AN/A 2.00 2.00Foreign Currency TransactionFee (Accounts linked to a VisaDebit Card)N/AN/A3.0%3.0%* A set fee charged quarterly on the last day of February, May, August and November. Please refer to your Loan Agreement for details of other fees andcharges.Other fees and charges (including government charges) may be payable.#Only available if an account is linked to a Visa Debit Card. Please referto your Loan Agreement for details of other fees and charges.17

Line of Credit FacilitiesClear Path Line of CreditAccount Maintenance Fee 10.00Deposits and withdrawals,including BOQ ATM withdrawals and chequesdebited to an account, direct debits and direct credits40 free transactions per monththen 0.60 eachOther Bank ATMFreeAs disclosed on the ATM screenat the time of the transactionATM Operator FeeEFTPOSFreeBOQ ATM Balance EnquiryFreeINTERNET BANKINGFunds Transfer and BPAYFreeSingle Pay AnyoneFreeMulti PaymentFreeBalance and Transaction History EnquiryFreeInternational Transactions #Overseas Bank ATM Withdrawal 5.00Overseas Bank ATM Balance Enquiry 2.00Foreign Currency Transaction Fee (Accounts linked to a Visa Debit Card)3.0%Other fees and charges (including government charges) may be payable.#Only available if an account is linked to a Visa Debit Card.Please refer to your Loan Agreement for details of other fees and charges.Personal Overdrafts - SecuredApplication Fee 495.00Agreed Credit Advance Fee0.25% of approved overdraft limitLoan Account FeesLoan TypePersonal Overdrafts - Unsecured22Application FeeOngoing FeesAgreed Credit AdvanceFee3 150.00Personal Overdrafts are available on the Day2Day Plus Account , Ultimate Account and the Reverse Charges Account .180.25% of approvedoverdraft limit

1300 55 72 72 boq.com.auIssuer: Bank of Queensland Limited ABN 32 009 656 740 Australian FinancialServices Licence Number 244616 Australian Credit Licence Number 244616.

1.50 for up to 10 payments then 0.19 for each additional transaction 1.50 for up to 10 payments then 0.19 for each additional transaction Transfer Orders, Direct Debits and Direct Credits Transfer to BOQ Accounts Free to the linked Day2Day Plus Account Free Free Direct Debits N/A N/A Free Direct Credits Free Free Free International .

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