BOQ Classic Terms and Conditions changes

2.2 Summary of transaction account features and benefits

Cheques

• Day2Day Plus Account® ticked^
• Mortgage Offset Account ticked^

^ Minimum account balance of $200 required before establishing cheque facility

2.2 Summary of transaction account features and benefits

Cheques (From 4 December 2025 new cheque access will not be available)

• Day2Day Plus Account® cross*
• Mortgage Offset Account cross*

^Customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

2.5 Accounts no longer for sale

Cheques

• Choice Account ticked^
• Ultimate Account ticked^
• Cash Management Account ticked^
• Reverse Charges Account ticked^
• Pension Plus Account ticked^

^Minimum account balance of $200 required before establishing cheque facility

2.5 Accounts no longer for sale

Cheques (From 4 December 2025 new cheque access will not be available)

• Choice Account cross^
• Ultimate Account cross^
• Cash Management Account cross^
• Reverse Charges Account cross*^Pension Plus Account cross^

^Customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

3.5 Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 2.2, 2.3, 2.4 and 2.5.

(b)    Cheque access

You must have at least $200 in your Account before we will allow you to have cheque access on your Account. If you choose to have cheque access on your Account, a cheque book will be mailed to you.

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 2.2, 2.3, 2.4 and 2.5. (From 4 December 2025 new cheque access will not be offered on Accounts).

(b)    Cheque access

From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, no new cheque book will be issued automatically.

3.1 Payment services

(b) Products no longer for sale:

Cheques  Facility

• Clear Path Line of Credit Facility/ Standard Line of Credit Facility ticked

Personal Overdraft

3.1 Payment services

(b) Products no longer for sale:

Cheques Facility (From 4 December 2025 new cheque access will not be available)

• Clear Path Line of Credit Facility/ Standard Line of Credit Facility – tick removed*
• Personal Overdraft tick removed*

*Customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1.

(b) Cheque access

If you choose to have cheque access on your Account, a cheque book will be mailed to you.

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 3.1. (From 4 December 2025 new cheque access will not be offered on Accounts).

(b)    Cheque access

From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, no new cheque book will be issued automatically.

General services

Cheque Books

• Each Cheque book ordered – Free

No wording for Correspondent Banking Fee

General services

Cheque Books (From 4 December 2025 new cheque access will not be available)

·       Each Cheque book ordered – Free

Correspondent Banking Fee

Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies.

The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.

• USD $20.00
• EUR €20.00
• GBP £15.00
• CHF SFr.20.00
• HKD $195
• NZD $15
• SGD $20
• CAD $15
• JPY ¥3,000
• THB ฿450.00
• ZAR R300

Electronic Banking

Correspondent Banking Fee Reference Guide Estimated Correspondent Banking

Fee when sending a Telegraphic Transfer from Australia.

We process telegraphic transfers through a global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the telegraphic transfer. These fees may change at any time without notice and are subject to a number of factors including

value of the telegraphic transfer and destination country.

Upon your request we will use best endeavours to obtain details of the fees charged

by Correspondent Banks that were used to send your telegraphic transfer.

• USD$20
• EUR€20
• GBP15
• CHFSFr.20
• NZD$27
• CAD$0
• SGD$20
• JPY¥3000
• HKD$220
• THB450
• ZAR R300

Electronic Banking

Correspondent Banking Fee

Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies.

The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.

• USD $20.00
• EUR €20.00
• GBP £15.00
• CHF SFr.20.00
• HKD $195
• NZD $15
• SGD $20
• CAD $15
• JPY ¥3,000
• THB ฿450.00
• ZAR R300

International Services

No wording for Correspondent Banking Fee

International Services

Correspondent Banking Fee

Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies.

The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.

• USD $20.00
• EUR €20.00
• GBP £15.00
• CHF SFr.20.00
• HKD $195
• NZD $15
• SGD $20
• CAD $15
• JPY ¥3,000
• THB ฿450.00
• ZAR R300

2.2 Summary of transaction account features and benefits

EVERYDAY BUSINESS ACCOUNT

Cheque access

• Business Customers ticked
• Accountants General Trust Account ticked
• Not-for profit organisations ticked

Card access

• Business Customers ticked

Not-for-profit organisations ticked

2.2 Summary of transaction account features and benefits

EVERYDAY BUSINESS ACCOUNT

Cheques access (From 4 December 2025 new cheque access will not be available)

• Business Customers cross*
• Accountants General Trust cross*
• Not-for profit organisations cross*

* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

Card access

• Business Customers ticked²
• Not-for-profit organisations ticked²

2.3 Summary of Investment Account Features and Benefits

BUSINESS WEBSAVINGS ACCOUNT

Real Estate/Agents Investment Trust Account¹

(QLD and NSW Solicitors only)^

Direct debits (withdrawals permitted)

• Solicitors Investment Trust Account¹ (QLD and NSW Solicitors only)^ ticked ^4,5
• Real Estate/Agents Investment Trust Account¹ (QLD and NSW Solicitors only)^ ticked ^4,6

PREMIER INVESTMENT ACCOUNT

Real Estate/Agents Investment Trust Account¹

(QLD and NSW Solicitors only)^

2.3 Summary of Investment Account Features and Benefits

BUSINESS WEBSAVINGS ACCOUNT

Real Estate/Agents Investment Trust Account¹

(QLD and NSW Agents only)^#

Direct debits (withdrawals permitted)

• Solicitors Investment Trust Account¹ (QLD and NSW Solicitors only)^ crossed^4,5
• Real Estate/Agents Investment Trust Account¹ (QLD and NSW Agents only)^#  crossed^4,6

PREMIER INVESTMENT ACCOUNT

Real Estate/Agents Investment Trust Account¹

(QLD and NSW Agents only)^#

2.4 Summary of Trust Account Features and Benefits

QLD PAMD TRUST

Cheque access

• Customers who meet the requirements under the Trust Accounts Act (QLD), the Property Occupations Act, Agents Financial Administration Act, and Motor Dealers and Chattel Auctioneers Act ticked

Options to receive interest paid to another account

• Customers who meet the requirements under the Trust Accounts Act (QLD), the Property Occupations Act, Agents Financial Administration Act, and Motor Dealers and Chattel Auctioneers Act no tick

2.4 Summary of Trust Account Features and Benefits

QLD PAMD TRUST

Cheque access (From 4 December 2025 new cheque access will not be available)

• Customers who meet the requirements under the Trust Accounts Act (QLD), the Property Occupations Act, Agents Financial Administration Act, and Motor Dealers and Chattel Auctioneers Act cross*

*For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

Options to receive interest paid to another account

• Customers who meet the requirements under the Trust Accounts Act (QLD), the Property Occupations Act, Agents Financial Administration Act, and Motor Dealers and Chattel Auctioneers Act ticked^{^}

2.5 Summary of Accounts No Longer for Sale Information for existing account holders only.

Trust Accounts

Cheque access

• ACT SOLICITOR TRUST, & ACT AGENTS TRUST ticked*
• NT AGENTS TRUST ticked*
• SA SOLICITORS TRUST, & SA AGENTS TRUST ticked*
• TAS SOLICITOR TRUST, & TAS AGENTS TRUST ticked*
• VIC AGENTS TRUST ticked*
• WA SOLICITOR TRUST ticked*
• WA REBA TRUST, & WA SETTLEMENT TRUST ticked*

*cheques cannot be cashed

2.5 Summary of Accounts No Longer for Sale Information for existing account holders only.

Trust Accounts

Cheque access (From 4 December 2025 new cheque access will not be available)

• ACT SOLICITOR TRUST, & ACT AGENTS TRUST cross*
• NT AGENTS TRUST cross*
• SA SOLICITORS TRUST, & SA AGENTS TRUST cross*
• TAS SOLICITOR TRUST, & TAS AGENTS TRUST cross*
• VIC AGENTS TRUST cross*
• WA SOLICITOR TRUST cross*
• WA REBA TRUST, & WA SETTLEMENT TRUST cross*

*Cheques cannot be cashed. For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

2.5 Summary of Accounts No Longer for Sale Information for existing account holders in NSW and QLD only.

Trust Account

EasyCheque Deposit facility

• NSW SOLICITOR TRUST, NSW AGENTS TRUST no tick
• QLD SOLICITOR TRUST no tick

Cheque access

• NSW SOLICITOR TRUST, NSW AGENTS TRUST cheques cannot be cashed ticked
• QLD SOLICITOR TRUST Excluding QLD Solicitor Trust Account

2.5 Summary of Accounts No Longer for Sale Information for existing account holders in NSW and QLD only.

Trust Account

EasyCheque Deposit facility

• NSW SOLICITOR TRUST, NSW AGENTS TRUST ticked
• QLD SOLICITOR TRUST ticked

Cheque access (From 4 December 2025 new cheque access will not be available)

• • NSW SOLICITOR TRUST, NSW AGENTS TRUST* cheques cannot be cashed cross
• • QLD SOLICITOR TRUST QLD* Solicitor Trust Accounts cannot be cashed cross

*cheques cannot be cashed. Cheques cannot be cashed. For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

2.5 Summary of Accounts No Longer for Sale (Continued) Information for existing account holders only.

Unlimited Business Accounts

Cheque access

• Business Customers (ACT, NSW, VIC, NT & WA residents only) ticked

Minimum opening - balance $200 if cheque book is attached, otherwise no minimum

2.5 Summary of Accounts No Longer for Sale (Continued) Information for existing account holders only.

Unlimited Business Accounts

Cheque access (From 4 December 2025 new cheque access will not be available)

• Business Customers (ACT, NSW, VIC, NT & WA residents only) cross*

* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

Minimum opening - no minimum

2.5 Summary of Accounts No Longer for Sale (Continued)

Transaction Account

Cheque access

• Not-for-profit ticked

Card access

Not-for-profit ticked

2.5 Summary of Accounts No Longer for Sale (Continued)

Transaction Account

Cheque access (From 4 December 2025 new cheque access will not be available)

• Not-for-profit cross*

* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

Card access

• Not-for-profit ticked²

2.5 Summary of Accounts No Longer for Sale (Continued)

Investment Accounts

Cheque access

• Business Customers and Not-for-profit Organisations (excluding Self-Managed Superannuation Funds) ticked

Bank@Post

• Business Customers and Not-for-profit Organisations (excluding Self-Managed Superannuation Funds) not ticked

Minimum opening balance²

• Business Customers and Not-for-profit Organisations (excluding Self-Managed Superannuation Funds) ticked $200 if cheque book is attached, otherwise no minimum

2.5 Summary of Accounts No Longer for Sale (Continued)

Investment Accounts

Cheque access (From 4 December 2025 new cheque access will not be available)

• Business Customers and Not-for-profit Organisations (excluding Self-Managed Superannuation Funds) cross³

3 For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

Bank@Post

• Business Customers and Not-for-profit Organisations (excluding Self-Managed Superannuation Funds) ticked

Minimum opening balance²

• no minimum

2.5 Summary of Accounts No Longer for Sale (Continued) Features & Benefits

Business Management Account

Business Cheque Account

Cheque access

• Business Customers ticked
• Controlled Money Account² (No longer available for sale) ticked
• Solicitors Investment Trust Account² (No longer available for sale) ticked
• Real Estate/ Agents Investment Trust Account² (No longer available for sale) ticked

Direct credits (Deposits) permitted

• Solicitors Investment Trust Account² (No longer available for sale) ticked
• Real Estate/Agents Investment Trust Account² (No longer available for sale)ticked

2.5 Summary of Accounts No Longer for Sale (Continued) Features & Benefits

Business Management Account

Business Management Account

Cheque access (From 4 December 2025 new cheque access will not be available)

• Business Customers cross*
• Controlled Money Account² (No longer available for sale) cross*
• Solicitors Investment Trust Account² (No longer available for sale) cross*

Real Estate/ Agents Investment Trust Account² (No longer available for sale) cross*

* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

Direct credits (Deposits) permitted

• Solicitors Investment Trust Account² (No longer available for sale) ticked⁶
• Real Estate/Agents Investment Trust Account² (No longer available for sale) ticked⁷

2.5 Summary of Accounts No Longer for Sale (Continued)

Farm Management Deposit (At-Call)

BUSINESS INVESTMENT ACCOUNT

2.5 Summary of Accounts No Longer for Sale (Continued)

Farm Management Deposit (At-Call)

FARM MANAGEMENT DEPOSIT (AT CALL)

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 2.2, 2.3, 2.4 and 2.5.

(b)    Cheque access

If Your Account is a cheque account, a cheque book will be mailed to you.

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1.

(From 4 December 2025 new cheque access will not be offered on Accounts).

(b)    Cheque access

From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, we will not automatically issue a new cheque book to you.

3.1 Payment services

Cheques

• Business Overdraft ticked
• Business Line of Credit ticked

3.1 Payment services

Cheques (From 4 December 2025 new cheque access will not be available)

• Business Overdraft tick removed*
• Business Line of Credit tick removed*

* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1.

(b)    Cheque access

If Your Account is a Business Overdraft or Business Line of Credit and you request a cheque book, a cheque book will be mailed to you.

3.5  Cheques

(a)    Features and benefits

Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1. (From 4 December 2025 new cheque access will not be offered on Accounts).

(b)    Cheque access

From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, no new cheque book will be issued automatically.

Investment Accounts

EVERYDAY BUSINESS ACCOUNTTM

Unlimited Business Account^TM

• Account Maintenance Fee             $20.00

Investment Accounts

BUSINESS WEBSAVINGS ACCOUNTTM

Unlimited Business Account^TM

• Account Maintenance Fee             $20.00^#

Business Investment Account/Cash Management Account – Business

Transaction

• Account Maintenance Fee                $7.00¹
• Branch Withdrawal                             Free
• Monthly Card Fee (Visa Debit)          Free
• Cheques Written                                 $0.65 each
• Cheques Deposited                  5 free per month then $0.40 each
• Direct Debit                                    Free
• Direct Credit                                         Free
• ATM Operator Fee                    5 free per month               then $0.20 each

Internet Banking

• Funds Transfer and BPAY®
• 10 free per month then $0.20 each
• Single Pay Anyone or Funds transfer to third party BOQ accounts

$0.65 each

Trust Account

Internet Banking

• Multi Payment                       N/A

Business Investment Account/Cash Management Account – Business

Transaction

• Account Maintenance Fee                $5.00
• Cheques Written                                 $1.00 each
• Cheques Deposited                            $0.65

Internet Banking

• ·     Funds Transfer and BPAY®

10 free per month then $0.35 each

• Single Pay Anyone   $0.65 each

Trust Account

Internet Banking

• $1.50 for up to 10 payments then $0.19 for each additional transaction

Correspondent Banking Fee Reference Guide

Estimated Correspondent Banking Fee when sending Telegraphic Transfer from Australia *

• USD $20
• EUR €20
• GBP £15
• CHF SFr.20
• NZD $27
• CAD $0
• SGD $20
• JPY ¥3000
• HKD $220
• THB ฿450
• ZAR R300

* The Bank processes telegraphic transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the telegraphic transfer. These fees may change at any time without notice and are subject to a number of factors including value of the telegraphic transfer and destination country.

Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your telegraphic transfer.

Correspondent Banking Fee Reference Guide

Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies.

The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.

• USD $20.00
• EUR €20.00
• GBP £15.00
• CHF SFr.20.00
• HKD $195
• NZD $15
• SGD $20
• CAD $15
• JPY ¥3,000
• THB ฿450.00
• ZAR R300