NATIONAL SENIORS TERM DEPOSIT

 Product Features

• Other Additional Information: No account keeping fee

• Other Additional Information: A guaranteed rate for a selected period between 1 - 60 months

• Other Additional Information: If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Terms and Conditions

• Notifications Additional Information: We'll send you a written renewal notice before your deposit matures

 Product Eligibility

• Natural Person Additional Information: Available for personal use only

• Other Additional Information: Only available through National Seniors Australia

 Bank Fees and Charges

• Account Service Fee (Periodic), Amount: 0.00. Additional Information: Payable for managing your account

• Cash Deposit Fee (Deposit), Amount: 0.00. Additional Information: Payable when you deposit cash over the counter at an Auswide Bank branch/agency

• Internal Transfer Fee - (Transaction), Amount: 0.00. Additional Information: Payable for any transfer between two Auswide Bank accounts at an Auswide Bank branch/agency

• Cheque Deposit Processing Fee (Deposit), Amount: 0.00. Additional Information: Payable per cheque deposited at an Auswide Bank branch or by mail

• Bpay Fee - Electronic (Transaction), Amount: 0.00. Additional Information: Payable when you make an electronic BPAY payment

• Direct Debit Fee - Electronic (Transaction), Amount: 0.00. Additional Information: Payable if we process a direct debit to your account (including payments you initiate electronically)

• External Payment Fee - Electronic (Transaction), Amount: 0.00. Additional Information: Payable if you request us to process an electronic payment to an account at another Australian Bank or financial institution

• Telegpraphic Transfer Fee (Payment), Amount: 50.00. Additional Information: $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.

• Bpay Fee - Internet And Mobile Banking (Transaction), Amount: 0.00. Additional Information: Payable when you make a BPAY payment through internet or mobile banking

• External Payment Fee - Internet And Mobile Banking (Transaction), Amount: 0.00. Additional Information: Payable if you request us to process an electronic payment to another Australian bank or financial institution

• Bpay Fee - Phone Banking (Transaction), Amount: 0.00. Additional Information: Payable when you make a BPAY payment through phone banking

• Paper Statement Fee (Periodic), Amount: 0.00. Additional Information: Payable when we issue you with your statement of account in paper

• Additional Statement Fee (Event), Amount: 0.00. Additional Information: Payable when you request us to issue you an additional statement of account

• E-statement Fee (Periodic), Amount: 0.00. Additional Information: Payable when we issue you with an electronic statement of account

• Non-resident Withholding Tax (Event), Amount: Not Listed.. Additional Information: Levied on accounts held by a non resident of Australia and where an Australian Tax File Number had not been quoted to us

• Withholding Tax - Government Charges (Variable), Amount: Not Listed.. Additional Information: Calculated at the highest marginal tax rate. May by levied on accounts where an Australian Tax File Number or exemption code has not been quoted to us.

• Rtgs Outward Payment Fee (Transaction), Amount: 20.00. Additional Information: Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

 Limitations & Restrictions (Constraints)

• Min Balance of 5000.00