Schedule of Fees & Charges

Transaction Accounts
Deeming Accounts
Savings & Investment Accounts
Loan Accounts
Business Accounts
Other Fees
Daily Transaction Limits
Transaction & Savings Accounts at a Glance


TRANSACTION ACCOUNTS

1. Redi-Access Account (S1)
    See Concessions & Benefits for fee exemptions

* All transactions made at other ATM networks may incur a direct charge by the ATM owner.

All maintenance and transaction fees accrued for the month will be charged to the account on the last day of the month.

2. Student Redi-Access S1 Accounts

Annual renewable waiver of the $3.00 monthly maintenance fee. All other Gold Pass and Redi-Access fees and concessions and benefits apply.

All transaction fees accrued for the month will be charged to the account on the last day of the month.

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DEEMING ACCOUNTS (S6)

See Concessions & Benefits for fee exemptions

* All transactions made at other ATM networks may incur a direct charge by the ATM owner.

All transaction fees accrued for the month will be charged to the account on the last day of the month.

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SAVINGS AND INVESTMENT ACCOUNTS

1. Special Purpose and Budget Accounts (S2, S3)

All transaction fees accrued for the month will be charged to the account on the last day of the month.

2. Passbook Accounts (S4, S7)

All transaction fees accrued for the month will be charged to the account on the last day of the month.

3. Personalised Target Account (S8)

All transaction fees accrued for the month will be charged to the account on the last day of the month.

4. Cash Management Account (S5)

All transaction fees accrued for the month will be charged to the account on the last day of the month.

5. Christmas Club (S10)

6. Super Saver Club (S12) Total Freedom Club (S18)

* All transactions made at other ATM networks may incur a direct charge by the ATM owner.

All transaction fees accrued for the month will be charged to the account on the last day of the month.

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LOAN ACCOUNTS

1. Ultra Home & Investment Loan (S50)

* All transactions made at other ATM networks may incur a direct charge by the ATM owner.

All transaction fees accrued for the month will be charged to the account on the last day of the month.

2. Other Loan Fees (where applicable).

All transaction fees accrued for the month will be charged to the account on the last day of the month.

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BUSINESS ACCOUNTS

1. Search Fees

Business Name Search Fee:     Once only fee on opening of account	$20.00
Company Search Fee:     Once only fee on opening of account	$20.00

2. Business Redi-Access Account (S1)

Fee exemption: Waiver of the Monthly Maintenance Fee on accounts that maintain a minimum Business Redi-Access Account (S1) balance of $3,000 during a month.

* All transactions made at other ATM networks may incur a direct charge by the ATM owner.

All transaction fees accrued for the month will be charged to the account on the last day of the month.

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OTHER FEES

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DAILY TRANSACTION LIMITS

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TRANSACTION AND SAVINGS ACCOUNTS AT A GLANCE

Gold Pass Redi- Access Account (S1)	Redi- Access Account (S1)	Student Redi- Access Account (S1)	Deeming Accounts (S6)	Ultra Home and Investment Loan (S50)	Super Saver (S12) Total Freedom (S18)	Special Purpose & Budget Accounts (S2, S3)	Pass- book Accounts (S4, S7)	Invest- ment Account (S5)	Gold Pass Deeming Account (S6)	Gold Pass Business Account	Business Account (S!)
Automatic Conversion to Gold Pass
			n.a.			n.a.	n.a.	n.a.
NO Monthly Maintenance Fee
	$3.00		$3.00			$1.00	$1.00	$1.00			$5.00
FREE TRANSACTIONS:
Direct Link Internet banking
							deposits only
Phone Link telephone banking
							deposits only
BPAY
							n.a.
Periodic & Direct Debit
							n.a.	n.a.			n.a.
Cash withdrawal
								n.a.
Record & Chequebook
	limited	limited	limited		limited	n.a.	n.a.	n.a.			limited
TRANSACTION FEES:
rediATM network withdrawals
first 4 transactions
nil	free	free	nil	nil	free	n.a.	n.a.	n.a.	nil	nil	free
exceeding 4
nil	$1.00	$1.00	nil	nil	$1.00	n.a.	n.a.	n.a.	nil	nil	$1.00
EFTPOS
first 8 transactions
nil	free	free	nil	nil	n.a	n.a.	n.a.	n.a.	nil	nil	free
exceeding 8
nil	$0.50	$0.50	nil	nil	$0.50	n.a.	n.a.	n.a.	nil	nil	$0.50
Cheques presented
first 8 transactions
nil	free	free	nil	nil	n.a.	n.a.	n.a.	n.a.	nil	nil	free
exceeding 8
nil	$0.50	$0.50	nil	nil	n.a.	n.a.	n.a.	n.a.	nil	nil	$0.50
Deposit at N.A.B.
nil	$3.00	$3.00	nil	nil	n.a.	n.a.	n.a.	n.a.	nil	nil	$3.00
Corporate Cheque
nil	$3.00	$3.00	nil	nil	$3.00	$3.00	$3.00	n.a.	nil	nil	$3.00
Periodic Payment (by cheque)
nil	$3.00	$3.00	nil	nil	$3.00	$3.00	$3.00	n.a.	nil	nil	$3.00

All transactions made at other ATMs may incur a direct charge applied by the ATM owner.

n.a. - not available with this product
ATM - automatic telling machines transaction with Redicard
EFTPOS - Electronic Funds Transfer/Point of Sale transaction with Redicard