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Vanuatu

Personal

deposit

accounts.

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Contents

Personal accounts 4

Fees 4

Features 4

TransactionalFees 8

Standard banking product charges 10

Bankcheques 10 Cheques–SpecialAnswer 10 Cheques–StopPayments 10 Depositstoaccountsheldatotherbanksorfinancialinstitution 10 PeriodicalPayments 10 LocalTelegraphicTransfers 10 Outward 10 Inward 10 Specialstatement 11 Additionalcopiesofyourcurrentstatement 11 Duplicatestatement 11 Internetstatementsummary 11 Voucherretrieval 11 Tracing 11 DishonourFees 11 LostCardorPIN 11 DepositBooks 12 ChequeBooks 12 VisaDebitCard 12 BusinessLicenseRecoveryFee 12

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FEES Bonus Saver Account Term Deposit Account Personal Cheque Account Management AccountPersonal Cash

Advantage Saver Account (ex SupaSaver)

MonthlyAccountServiceFee Nil N/A Vt350 Vt350 Nil MonthlyMinimumBalanceFee N/A N/A Nil Vt250 Vt250 MinimumMonthlyBalancetoAvoid

MonthlyMinimumBalanceFee N/A N/A N/A Vt50,000 Vt5,000 FreeMonthlyWithdrawalAllowance 1electronic withdrawalorstaff assisted N/A 1 assistedorcheque 8branchstaff-withdrawals 8branchstaff-assistedor

chequewithdrawals 8electronicwithdrawals FreeMonthlyDepositAllowance Unlimited N/A Unlimited Unlimited Unlimited MonthlyDormancyFee2 Nil N/A Vt250 Vt250 Vt250

FEATURES

Mostsuitableifyouneed Anatcall,personal

savingsaccount investmentwithAfixedterm aguaranteed rateofreturn Anatcall, day-to-daypersonal transactionaccount withchequeaccess Anatcall, day-to-daypersonal transactionandsavings accountwiththeability toearnahigherrateof interest Anatcall, day-to-daypersonal transactionaccount Whoiseligibletoopenone? Personal customers Personal customers, business customersand charitableand not-for-profit organisaitons Personal

customers customersPersonal customersPersonal

Minimumopeningbalance Vt2,500 Vt100,000 Vt20,000 Vt50,000 Vt5,000

Arefundsatcall? ✓ No ✓ ✓ ✓

WillIgetregularstatements? 6monthly N/A–renewal

onmaturity Monthly Monthly Annually

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Personal accounts

FEES Bonus Saver Account Term Deposit Account Personal Cheque Account Management AccountPersonal Cash

Advantage Saver Account (ex SupaSaver)

MonthlyAccountServiceFee Nil N/A Vt350 Vt350 Nil MonthlyMinimumBalanceFee N/A N/A Nil Vt250 Vt250 MinimumMonthlyBalancetoAvoid

MonthlyMinimumBalanceFee N/A N/A N/A Vt50,000 Vt5,000 FreeMonthlyWithdrawalAllowance 1electronic withdrawalorstaff assisted N/A 1 assistedorcheque 8branchstaff-withdrawals 8branchstaff-assistedor

chequewithdrawals 8electronicwithdrawals FreeMonthlyDepositAllowance Unlimited N/A Unlimited Unlimited Unlimited MonthlyDormancyFee2 Nil N/A Vt250 Vt250 Vt250

FEATURES

Mostsuitableifyouneed Anatcall,personal

savingsaccount investmentwithAfixedterm aguaranteed rateofreturn Anatcall, day-to-daypersonal transactionaccount withchequeaccess Anatcall, day-to-daypersonal transactionandsavings accountwiththeability toearnahigherrateof interest Anatcall, day-to-daypersonal transactionaccount Whoiseligibletoopenone? Personal customers Personal customers, business customersand charitableand not-for-profit organisaitons Personal

customers customersPersonal customersPersonal

Minimumopeningbalance Vt2,500 Vt100,000 Vt20,000 Vt50,000 Vt5,000

Arefundsatcall? ✓ No ✓ ✓ ✓

WillIgetregularstatements? 6monthly N/A–renewal

onmaturity Monthly Monthly Annually

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FEATURES Bonus Saver Account Term Deposit Account Personal Cheque Account Management AccountPersonal Cash

Advantage Saver Account (ex SupaSaver)

Isbonusinterestpaidtotheaccount? ✓ N/A N/A N/A N/A Howoftenisinterestpaid? Monthly DependonTerm N/A Monthly Quarterly

CanImakePeriodicalPayments? ✓ N/A ✓ ✓ ✓ Isthereanoverdraftfacility available? ✗ N/A ✓ ✓ ✗ Ischequeaccessavailable? ✗ N/A ✓ ✓ ✗ CanIpaybillsusingBillPay? ✗ N/A ✓ ✓ ✓ IsVisaDebitCardandHandycard accessavailable? ✓ ✗ ✓ ✓ ✓ IsTelephoneBankingaccess available? ✓ ✓ ✓ ✓ ✓ InternetBanking24hours7days ✓ Viewingonly ✓ ✓ ✓ 1. EarlyterminationfeeofVt5,000applies. 2. Youraccountbecomesdormantifyoudonotmakeanydepositsand/orwithdrawalsduringa continuous12monthperiod;

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Personal accounts

FEATURES Bonus Saver Account Term Deposit Account Personal Cheque Account Management AccountPersonal Cash

Advantage Saver Account (ex SupaSaver)

Isbonusinterestpaidtotheaccount? ✓ N/A N/A N/A N/A Howoftenisinterestpaid? Monthly DependonTerm N/A Monthly Quarterly

CanImakePeriodicalPayments? ✓ N/A ✓ ✓ ✓ Isthereanoverdraftfacility available? ✗ N/A ✓ ✓ ✗ Ischequeaccessavailable? ✗ N/A ✓ ✓ ✗ CanIpaybillsusingBillPay? ✗ N/A ✓ ✓ ✓ IsVisaDebitCardandHandycard accessavailable? ✓ ✗ ✓ ✓ ✓ IsTelephoneBankingaccess available? ✓ ✓ ✓ ✓ ✓ InternetBanking24hours7days ✓ Viewingonly ✓ ✓ ✓ 1. EarlyterminationfeeofVt5,000applies. 2. Youraccountbecomesdormantifyoudonotmakeanydepositsand/orwithdrawalsduringa continuous12monthperiod;

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TRANSACTIONAL FEES Bonus Saver Account Term Deposit Account Personal Cheque Account Management AccountPersonal Cash

Advantage Saver Account (ex SupaSaver)

BranchStaff-AssistedDeposits Nil N/A Vt30 Vt40 Vt100 BranchStaff-AssistedWithdrawals Vt200 N/A Vt30 Vt40 Vt200

InternetBanking3 Vt25 N/A Vt15 Vt15 Vt25

WestpacATM Vt25 N/A Vt15 Vt15 Vt25

EFTPOS Vt25 N/A Vt15 Vt15 Vt25

ChequeWithdrawals N/A N/A Vt30 Vt40 N/A

DirectDebits N/A N/A N/A N/A N/A

UnarrangedOverdraftExcessFee4 N/A N/A Vt750 Vt750 N/A

Non-WestpacATMwithdrawal Vt500 N/A Vt500 Vt500 Vt500 Non-WestpacATMenquiries Vt500 N/A Vt500 Vt500 Vt500 NationalBankVanuatuFees Vt100 N/A Vt100 Vt100 Vt100 OverseasATMCashwithdrawal5 Vt500 N/A Vt500 Vt500 Vt500

OverseasATMBalanceenquiries N/A N/A N/A N/A N/A 3. IncludestransfersbetweenWestpacaccountsandBillPaytransactions.

4. Feechargeddailywhereadebittransaction:

(a) overdrawsyouraccountbyVt2,000ormoreoutsideformaloverdraftarrangements(ifany),or (b) furtheroverdrawsyouraccount.

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TRANSACTIONAL FEES Bonus Saver Account Term Deposit Account Personal Cheque Account Management AccountPersonal Cash

Advantage Saver Account (ex SupaSaver)

BranchStaff-AssistedDeposits Nil N/A Vt30 Vt40 Vt100 BranchStaff-AssistedWithdrawals Vt200 N/A Vt30 Vt40 Vt200

InternetBanking3 Vt25 N/A Vt15 Vt15 Vt25

WestpacATM Vt25 N/A Vt15 Vt15 Vt25

EFTPOS Vt25 N/A Vt15 Vt15 Vt25

ChequeWithdrawals N/A N/A Vt30 Vt40 N/A

DirectDebits N/A N/A N/A N/A N/A

UnarrangedOverdraftExcessFee4 N/A N/A Vt750 Vt750 N/A

Non-WestpacATMwithdrawal Vt500 N/A Vt500 Vt500 Vt500 Non-WestpacATMenquiries Vt500 N/A Vt500 Vt500 Vt500 NationalBankVanuatuFees Vt100 N/A Vt100 Vt100 Vt100 OverseasATMCashwithdrawal5 Vt500 N/A Vt500 Vt500 Vt500

OverseasATMBalanceenquiries N/A N/A N/A N/A N/A 3. IncludestransfersbetweenWestpacaccountsandBillPaytransactions.

4. Feechargeddailywhereadebittransaction:

(a) overdrawsyouraccountbyVt2,000ormoreoutsideformaloverdraftarrangements(ifany),or (b) furtheroverdrawsyouraccount.

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Bank Cheques IssueofaBankcheque Vt800 RefundingaBankchequenolongerrequired –originalpresented Vt800 Refunding/ReplacingaBankcheque– originallost,stolenordestroyed Vt1000

Cheques – Special Answer

Chequesprocessedthroughtheclearing system,andphoneormailanswerisobtained. Vt5000 ‘On-the-spot’answeratthebranchonwhich thechequeisdrawn. Vt5000 Itemsdeliveredtoanotherbranchorbank (whereavailable). Vt5000

Cheques – Stop Payments

Stoppingachequepaymentduetoalost orstolenchequebookwherechequesare notsigned.

Vt1,000percheque

Ifmorethan5chequesinconsecutiveorder Vt5,000

Deposits to accounts held at other banks or financial institution By“PayAnyone”functiononInternetBanking Vt800 Forinternationalrelatedpayments (IncludingTTfee) Vt2500 Periodical Payments FromanyeligibleWestpacBankaccountto BonusSaver,housing,personalloanorcredit cardaccountwiththeBank Vt150 Toanaccountatanotherfinancialinstitution, createdusingourInternetBankingservice Vt1500 Toanaccountatanotherfinancialinstitution, createdbyBankstaffonthecustomer’sbehalf Vt3000 Toanaccountatanoverseasfinancial institution Vt3000 Paymentsviabankcheque Vt800 PeriodicalPaymentnotmadefee Vt750

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Special statement–ifyourequirea statementoftransactionsonyouraccount tobesenttoyouearlierthanyournext statementisdue.

Vt100perpage

Additional copies of your current statement–ifyoureceivepaperstatement andwantextracopiesofyouroriginal statementmailedtoyouortoanominated person,wecandothisbutyouwillneedto letusknowpriortoyouroriginalstatement beingissued. Vt100perpage Providesalltransactions sinceyourlaststatement.

Duplicate statement–ifyourequirean extracopyandyouroriginalstatement hasalreadybeenissued,wecanordera duplicatestatementforyou.Note,duplicate statementsarenotissuedwithin5working daysoftheoriginalstatementdate. Vt600perstatement/ page Onestatementpage providesapproximately 36transactionsonit.

Internet statement summary –alistof transactionswhichyoucanseeandprintout fromInternetBanking

Free

Voucher retrieval–ifyouwantus tophysicallylocateapapercopyofa withdrawalslip,chequeordepositslipthat youhavepreviouslygivenus,wecandothis. Vt500perrequesteditem orVt5000perhour Tracing–youmaysometimesneedto confirmthedestinationofachequeyouhave written.Wecanassistyoubytracingthe chequetoconfirmifitwasdepositedtothe payee’saccount. Vt2000perrequested item Dishonour Fees Ifyourchequeisdishonoured(outward) Vt2000percheque Ifachequeyoudepositisdishonoured (inward) Vt750percheque

Lost Card or PIN

Replacementoflost/damaged/destroyed

Handycard Nil

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Deposit Books Singlebooks Nil Duplicatebooks Vt750 Cheque Books 50pagechequebook Nil 100pagechequebook Nil 200pagechequebook Nil

Visa Debit Card

AnnualCardFee Vt4000 ReplacementCardFee Vt4000 Cashwithdrawalatnon-GlobalAllianceATM Vt500 CashwithdrawalataGlobalAllianceATM* Normaltransactionfees apply Manualcashwithdrawalatanoverseasbank (displayingtheVisalogo) Vt500 WestpacForeignCurrencyTransactionFee Nil

Business Licence Recovery Fee Fee charged on each debit transaction

NotlessthanVt5,000 butlessthanVt9,999 Vt20 NotlessthanVt10,000 butlessthanVt49,999 Vt40 NotlessthanVt50,000 butlessthanVt99,999 Vt60 NotlessthanVt100,000 butlessthanVt499,999 Vt200 NotlessthanVt500,000 butlessthanVt999,999 Vt400 NotlessthanVt1,000,000 butlessthanVt4,999,999 Vt600 Vt5,000,000ormore Vt800 Note:NormaltransactionfeesapplywhenVisaDebitCardisusedinVanuatu.

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inFiji,Vanuatu,CookIslandsandSolomonIslands.WestpacisrepresentedinPapuaNewGuinea byWestpacBank-PNG-Limited,SamoabyWestpacBankSamoaLimitedandinTongabyWestpac BankofTonga.

References

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