Term Deposit

 Product Features

• Other Additional Information: Pay $0 monthly account keeping fees

• Other Additional Information: Monthly interest payments are available on terms 2-60 months at 0.05% p.a. below carded rates for interest at maturity (terms 2-12m) or interest annually (terms greater than 12m).

• Other Additional Information: If you want to withdraw your Term Deposit before maturity you need to provide at least 31 days' notice. You may incur an interest adjustment

• Other Additional Information: Quarterly interest payments are available on terms 6-60 months at 0.05% p.a. below carded rates for interest at maturity (terms 6-12m) or interest annually (terms greater than 12m).

• Other Additional Information: Semi-annual interest payments are available on terms 12-60 months at 0.05% p.a. below carded rates for interest at maturity (12m) or interest annually (terms greater than 12m).

• Digital Banking

 Product Eligibility

• Residency Status - Account Owners Must Be Residents Of Australia.

• Min Age - 11. Additional Information: At Least one personal account owner must be 18 years or older

 Bank Fees and Charges

• Request For Audit Certificate (Event), Amount: 30.00. Additional Information: per certificate

• Account Keeping Fee (Periodic), Amount: 0.00. Additional Information: No monthly account keeping fees

• Interest Certificate (Event), Amount: 10.00. Additional Information: previous financial year - per certificate issued

• Record Search/copy Fee (Event), Amount: 70.00. Additional Information: per hour

• Breaking Td Term - Interest Adjustment (Variable), Amount: Not Listed.. Additional Information: Adjustment based on proportion of term completed. Proportion of term completed: 0%-25%, Adjustment: 80% of interest earned up to the date we will allow you to withdraw your deposit; Proportion of term completed: 26%-50%, Adjustment: 60% of interest earned up to the date we will allow you to withdraw your deposit; Proportion of term completed: 51%-75%, Adjustment: 40% of interest earned up to the date we will allow you to withdraw your deposit; Proportion of term completed: 76%-100%, Adjustment: 20% of interest earned up to the date we will allow you to withdraw your deposit.

 Limitations & Restrictions (Constraints)

• Opening Balance of 5000.00 Additional Information: Minimum balance of $5,000

• Min Balance of 1000.00 Additional Information: Term Deposits from $1,000 are available only where the Term Deposit is used as security.

• Min Balance of 5000.00 Additional Information: Minimum balance of $5,000

• Max Balance of 2000001.00 Additional Information: Negotiated Rates may be available for Term Deposits over $2 million as agreed by us

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