Fees and Charges - Big Sky - banking where members benefit

Fees & Charges and Transaction Limits for Personal Accounts Effective 1 November 2009 View a PDF version by clicking below: Personal Business Accounts Loans American Express Transaction Packages Basic Access No Monthly Fees 4 Free EFTPOS transactions monthly 4 Free RediATM or NAB ATM transactions monthly Basic Plus* No monthly fees 6 Free EFTPOS transactions montly 6 Free RediATM or NAB ATM transactions monthly *Basic Plus package requires a relationship balance of $20,000 (single membership) or $40,000 (joint membership) ATM Advantage 9 Free RediATM or NAB ATM transactions monthly EFTPOS transactions at a low $0.40 $5 monthly fee EFTPOS Unlimited Unlimited EFTPOS RediATM or NAB ATM transactions at a low $1.50 $3 monthly fee ^ ^ monthly fee waived for members 17 and under Additional Transaction Fees Cost EFTPOS $0.40 ReditATM and NAB ATM Fee Foreign ATM Fee $1.50 $0.50 per transaction (in addition to the Direct Charge from the ATM owner) Visa purchase at merchants Free Direct debits Free Direct credits Free BPAY Transactions Free Periodical payments Free Internet and Telephone Banking Free Bank@Post Deposit Free Bank@Post Withdrawal $2.25 Regional Over the Counter Cash Withdrawal(1) $3.00 Visa Cash Advance and Overseas ATM Withdrawal $4.00 (1)Charged if relationship balance is less than $5,000. Relationship balance is calculated at the end of each month by adding deposits plus loans, less any overdrawn or overlimit accounts.Regional Over the Counter Cash Withdrawal applicable for Hedland, Newman, Roxby Downs and Moranbah. General Overdrawn account fee (prevailing overdraft interest rate also applies) $20.00 BPAY Enquiry $5.50 BPAY Error correction(2) $22.00 Statement from archives (3) $5 per statement QuickDebit dishonour $22.00 Dormant Account Fee (per month) $2.50 SMS Banking Enquiry or Alert $0.25 (2) Fee will not be collected where it is determined the member has not contributed to the fault. (3)Archives - any statement retrieved from previous financial year or earlier. Statements for current financial year can be provided free of charge. Direct Entry Dishonour fee - electronic $21.50 Dishonour fee - manual $27.00 Dishonour fee - direct debit $27.00 Trace fee $22.00 Supplier recall fee $55.00 Same day EFT $8.50 Chequing New Cheque Book (Contact Big Sky to discuss an alternative to a cheque book) $25.00 Member chequing dishonour fee $43.50 Member cheque enquiry $49.50 Copy fee - electronic (when available) $8.25 Copy fee $49.50 Trace fee $49.50 Special Clearance $15.00 Deposit to own account dishonoured $10.00 Bank cheque $8.00 Stop payment on bank cheque $20.00 Cards Redicard fee Nil VISA Credit Card fee Nil VISA Debit Card fee (per month)(2) $2.00 ATM/EFTPOS Dispute lodgement $5.50 Visa voucher retrieval $16.50 Visa chargeback $22.00 Replacement card $5.00 Emergency Overseas card US$175.00 Emergency Overseas card (declined) US$50.00 Currency Conversion Fee 2.00% (2)Charged if relationship balance is less than $5,000. Relationship balance is calculated at the end of each month by adding deposits plus loans, less any overdrawn or overlimit accounts. Term Deposit Early Redemption In exceptional circumstances access to term deposits may be approved by management prior to maturity. A sliding scale penalty applies to the interest earned. Note that the principal will not be reduced. Held for term (inclusive) 0 – 10% 11 – 20% 21 – 40% 41 – 60% 61 – 80% 81 – 99% Reduction in rate S1 Savings Rate 80% 60% 40% 20% 10% Fees & Charges and Transaction Limits for Business Accounts Current as at 1 March 2009 Business Accounts Subject to the same fees as Personal Accounts. With the addition of the following fees: Business name search $40.00 Monthly account keeping fee $7.50 Loan Fees and Charges Current as at 5 May 2004 Application fee Nil Monthly fee Fixed Rate lock option Nil $300 per 90 days Metropolitan mortgages with a sworn valuation $600.00 Regional mortgages with a sworn valuation $700.00 Mortgages where no sworn valuation is required $380.00 Stamp Duty At Cost Lender's Mortgage Insurance At Cost Discharge administration fee At Cost American Express Effective 2 January 2008 American Express Overseas bank draft $8.00 Overseas telegraphic transfer (in foreign currency) $16.50 Overseas telegraphic transfer (in AUD$) $27.50 Travellers’ Cheques ($AUD)* 0.55% of the value or min $6.60 Travellers' Cheques (foreign currency)* no fee AUD$ Overseas bank draft $11.00 Stop Payment on a Bank Draft $25.00 Foreign Currency Deposits (cheque) no fee Foreign Currency Deposits (cash) no fee Foreign Currency (cash) no fee Dishonour of foreign currency cheques^ AUD$30.00 Discrepancy in a buyback transaction" AUD$30.00 *There is a minimum order of AUD $250 or equivalent for cash and travellers cheques. Any orders which are under the minimum value, will incur an additional AUD $25 service fee. ^Includes all cheques returned unpaid by the overseas bank issuer. " Includes all foreign cheques/travellers cheques received by American Express that are submitted as incorrect currency or incorrect value, stale dated, post dated and non endorsed. Transaction Limits Cash Withdrawals & Daily EFT Access A maximum daily cash withdrawal limit (including EFTPOS) of $1,250 applies for both VISA & Redicard. Internet & Telephone Banking The limit for external payments or transfers for telephone banking is $10,000 per day and $5,000 per day for Internet banking. However, when paying a bill using BPAY the limit is set at $100,000, although individual billers may set their own limits below this. We reserve the right to limit BPAY transfers below this amount at any time. You must apply to us in writing to establish or change your transaction limit. We may at our discretion vary this limit in accordance with your written instructions. We will inform you if the limit is changed. Changes We reserve the right to change any of the fees and charges detailed in this brochure, introduce fees, remove fees, waive fees, vary transaction limits and to change our current policy on Government Taxes and Duties. If we change fees and charges members will be notified in accordance with the relevant terms and conditions. Fees for obtaining copies or traces of transactions will not be incurred it ir provides evidence of a credit union error. 1. Charged if relationship balance is less than $5,000. Relationship balance is calculated at the end of each month by adding deposits plus loans, less any overdrawn or overlimit accounts. Regional over the Counter Cash Withdrawal applicable for Hedland, Newman, Roxby Downs and Moranbah. 2. Fee will not be collected where it is determined the member has not contributed to fault. 3. Archives - any statement retrieved from previous financial year or earlier. Statements for current financial year can be provided free of cahrge. 4. Charged if relationship balance is less than $5,000. Relationship balance is calculated at the end of each month by adding deposits plus loans, less any overdrawn or overlimit accounts. Loans Fees & Charges Certain other fees and charges may apply. These fees and charges will be detailed in the relevant contract, terms and conditions and/or brochure. Fees for obtaining copies or traces of transactions will not be incurred if it provides evidence of a credit union error. If you have any questions in relation to this schedule, please call us on 1300 654 321.

© Big Sky Credit Union Ltd ABN 51 087 651 358, BSB 803 228, AFSL 240735. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Big Sky recommends you read the Product Disclosure Statement and the Financial Services Guide before acquiring the product.