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1. 4. 2. Club Account 3. Product Schedule Building Limited Society ACN 087 651 992, Australian Credit Financial Licence/Australian Services Licence 238273. Here’s some more information for you: Effective: 1OctoberEffective: 2020 Page 1of2

The current rates are available by contacting us or at at or us contacting by available are rates interest current The account no is This longer available. of arange offers and individuals by use personal for is account This Account Access Terms Access Account Conditions and the in are which explained meanings special have words account. Some before the opening documents read these Please methods. access its account and Termsmake for upthe this Conditions and This Credit interest you earn is worked out as tiered interest using the annual annual the using interest tiered as out worked is earn you interest Credit personal This Account. Club Christmas our choosing on Congratulations Operating your account About our Christmas Club Account Club Christmas our About only do so through a branch. abranch. through so do only are account party to athird debits Direct us. with held account eligible options to access your money when you need it, including: internet internet including: it, need you when money your to access options payment, viewing and bills paying using B viewing payment, Withdrawals from the account are permitted in November and December December and November in permitted are account the from Withdrawals Internet banking, automatic transfers and our branches can all be used to used be all can branches our and transfers automatic banking, Internet Please let us know if you would like to register for our personal internet internet personal our for to register like would you if know us let Please November of day first June, of day last the on account to the paid is It access your account. Automatic transfers can only be made to another to another made be only can transfers Automatic account. your access December. of day last and automatic transfers using the internet banking transfer facility. facility. transfer banking internet the using transfers automatic interest has not yet been paid, the date you opened the account. the opened you date the paid, been yet not has interest at Interest time. that at payable otherwise rate 50% the at of paid interest month. the of by balance opening 12 divided rate daily lowest the on with no monthly account or transaction fees is designed designed is fees transaction or account monthly no with account savings Interest features Key banking service. Our Our service. banking can you to 1 November prior funds to withdraw wish you If available. not with closed account the and withdrawn be must account your of balance time. any at changed be may newcastlepermanent.com.au/rates branches. our through access course, of and transfers automatic banking, with interest paid in full. If you require any funds prior to 1 November, the the to 1November, prior funds any require you If full. in paid interest with that rate will be calculated from the date of the last interest payment, or if if or payment, interest last the of date the from calculated be will rate that the services available. All services are available except making aB making except available are services All available. services the year! new adebt-free enjoy and Christmas for save you to help Product Schedule Christmas Club Account Account Access Terms and Conditions Terms and Access Account ® Registered to B along with our our with along . Our rates are variable and so so and variable are rates . Our PAY Pty Ltd Pty ABN69 079 137 518. PAY View Terms Account Deposit Conditions and . If you have any questions please please you questions any have . If account. the before operating us ask ® and arranging and arranging Newcastle Permanent details details

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Deposit Account Terms Account Deposit Conditions and Our business internet banking has separate business internet banking internet separate has banking business Our business General charged, please read the the read please charged, We will record the details of transactions in a passbook issued with with issued apassbook in transactions of details the record We will Please ensure you have sufficient funds to prevent your account account your to prevent funds sufficient have you ensure Please internet banking if you are eligible for this service). this for eligible are you if banking internet business for register you time the at to you given be will (which rules Fees and charges charges and Fees becoming overdrawn. For a full description of each fee and when it is is it when and fee each of description afull For overdrawn. becoming the account. Third party fee institution financial Third party fee institution financial Third party Replacement Account Overdrawn Automatic transfers Special Clearance on Cheque Clearance Special Monthly account keeping Branch withdrawal NPBS fee NPBS –Outward (RTGS) Settlements Gross Time Real fee NPBS –Inward (RTGS) Settlements Gross Time Real Account Dormant Dishonour (direct debit and cheque) Document Service and Miscellaneous Internet banking transactions Financial Institution Institution Financial Financial Institution Cheque and our our and Account Access Terms Access Account Conditions and

Deposit Account Terms and Conditions and the the and $30 $12 $20/half year $5 $9 $60/hour $15 $15 Unascertainable Unascertainable (min $10/copy) Free Free Free Free Free

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656_0920 6. Limits We have set the following limits on the amount you may withdraw from your account each day:

Branch cash withdrawals $1,000 per account unless prior arrangements have been made. Internet banking transfer $2,000 cumulative for accounts registered payment (Pay Anyone) for personal internet banking. For accounts registered for business internet banking, $10,000 cumulative (if mobile phone number provided for payment authorisation purposes) or $2,000 cumulative (if no mobile phone number provided for payment authorisation purposes). Daily payment limits are calculated on the date a payment occurs (not the date a payment was created).

13 19 87 newcastlepermanent.com.au

Page 2 of 2 Christmas Club Account Here’s some more information for you: ®Registered to BPAY Pty Ltd ABN 69 079 137 518. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Licence/Australian Credit Licence 238273.