BOQ Classic Terms and Conditions changes

2.2 Summary of transaction account features and benefits

Transaction Accounts

Features and Benefits

• EasyCheque deposit facility
• Cheque (From 4 December 2025 new cheque access will not be available)

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

2.2 Summary of transaction account features and benefits

Transaction Accounts

Features and Benefits

• EasyCheque deposit facility (This service will cease from 30 November 2026)
• Cheque

^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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

2.3 Summary of savings account features and benefits

Savings Accounts

Features and Benefits

• EasyCheque deposit facility

2.3 Summary of savings account features and benefits

Savings Accounts

Features and Benefits

• EasyCheque deposit facility (This service will cease from 30 November 2026)

2.4 Summary of investment account features and benefits

Investment Accounts

Features and Benefits

• Option to receive interest payments by cheque

2.4 Summary of investment account features and benefits

Investment Accounts

Features and Benefits

• Section removed: Option to receive interest payments by cheque

2.5 Accounts no longer for sale

Transaction Accounts

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

Investment Accounts

Features and Benefits

• Option to receive interest payments by cheque
• EasyCheque deposit facility

2.5 Accounts no longer for sale

Transaction Accounts

^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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

Investment Accounts

Features and Benefits

• Section removed: Option to receive interest payments by cheque
• EasyCheque deposit facility (This service will cease from 30 November 2026)

2.8 Allowing others to use your account

(b) What can an authorised person do?

draw cheques on your Account;

• order cheque books;

2.8 Allowing others to use your account

(b) What can an authorised person do?

• draw cheques on your Account (all cheques drawn on your Account that are presented for payment from 30 September 2026 will be dishonoured);
• Section removed: order cheque books;

2.9 Operating your account

(b) Making deposits to your Account

ii. EasyCheque deposits

2.9 Operating your account

(b) Making deposits to your Account

ii. EasyCheque deposits (This service will cease from 30 November 2026)

2.10 Interest rates

c) How the interest you earn is calculated and paid

Premier Investment Account - withdrawals outside of the renewal grace period

You will be asked to provide us with your instructions for the disbursement of the funds from your Account at the time that you give us your 31 days’ notice of early withdrawal. Subject to section 2.17, the funds will be automatically disbursed to the Account that you have nominated 32 days’ after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next Bank Business Day. If you do not provide sufficient details of a bank Account to enable us to disburse your funds to that Account, we will attempt to contact you. If we are unable to contact you, we will send a bank cheque made payable to you for the principal and interest (as adjusted for early withdrawal) less any early pay out fee and bank cheque fee, to the last known address that we have recorded for you.

2.10 Interest rates

c) How the interest you earn is calculated and paid

Premier Investment Account - withdrawals outside of the renewal grace period

You will be asked to provide us with your instructions for the disbursement of the funds from your Account at the time that you give us your 31 days’ notice of early withdrawal. Subject to section 2.17, the funds will be automatically disbursed to the Account that you have nominated 32 days’ after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next Bank Business Day. If you do not provide sufficient details of a bank Account to enable us to disburse your funds to that Account, we will attempt to contact you. If we are unable to contact you, we will hold the principal and interest (as adjusted for the early withdrawal) less any early pay out fee and arrange payment of funds when you contact us, provide account details and meet our identity verification requirements.

2.11 Reinvestment of fixed term investment accounts

If you redeem the funds, we will provide them to you by transferring them to another Account with us or an account with another financial institution nominated by you. If you have not given us instructions as to the Nominated Account you wish to have the funds transferred into we may choose to provide the funds to you by providing you with a bank cheque made payable to you.

2.11 Reinvestment of fixed term investment accounts

If you redeem the funds, we will provide them to you by transferring them to another Account with us or an account with another financial institution nominated by you. If you do not have another Account with us or have not given us instructions as to the Nominated Account you wish to have the funds transferred to, and we are unable to contact you, we will hold the principal and interest and arrange payment of funds when you contact us, provide account details and meet our identity verification requirements.

2.13 When you stop using your account

(a) Inactive Accounts

If your Account has not been transacted on by way of a deposit or a withdrawal for 12 months or more and:

2.13 When you stop using your account

(a) Inactive Accounts

If your Account has not been transacted on by way of a deposit or a withdrawal for 6 months or more and:

3 Payment services

3.3 Branches

• cash cheques;
• deposit cash or cheques;
• purchase bank cheques, overseas drafts, or travellers cheques;

3.4 ATMS

• deposit cash (notes only) and cheques;

3 Payment services

3.3 Branches

• cash cheques (no longer available from 30 September 2026);
• deposit cash or cheques (we will not accept cheque deposits through our branches from 30 November 2026);
• purchase bank cheques (no longer available from 30 June 2026);

3.4 ATMS

• deposit cash (notes only) and cheques (we will not accept cheque deposits through our ATMs from 30 November 2026);

3 Payment services

3.5 Cheques

(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.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 3 and 5 Business Days.

iii. Third party cheque deposits

e) How to open a crossed cheque

vi. Cheques unpaid or “dishonoured”

3 Payment services

3.5 Cheques

Cheque access will cease from 30 September 2026. Any cheques written using the BOQ cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured.

(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: from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 5 and 7 Business Days.

iii. Third party cheque deposits

From 30 November 2026, you will no longer be able to deposit third party cheques through branches or ATMs.

e) How to open a crossed cheque

vi. Cheques unpaid or “dishonoured”

• Section added: the cheque is presented for payment from 30 September 2026.

3.6 Bank cheques

We will no longer issue Bank Cheques from 30 June 2026.

3.12 Mail deposits

We will not accept cheques for deposit from 30 November 2026.

3.14 Bank drafts

(a) Features and benefits

(b) Risks

3.14 Bank drafts

This section is not used.

• Section removed (a) & (b)

3.15 Foreign currency cheque deposits

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.15 Foreign currency cheque deposits

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

3.16 Foreign currency sales and purchases

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.16 Foreign currency sales and purchases

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

7.8 The relationship between banker and customer

iii. Payment and collection of cheques:

7.8 The relationship between banker and customer

iii. Payment and collection of cheques:

• Section added: the cheque is presented for payment before 30 September 2026.

8 Definitions

Withdrawal refers to the Customer authorised removal of funds from an account and includes a transfer of funds (whether manual or electronic), direct debits, over-the-counter withdrawal, payments of online or telephone purchases or payments made via BPAY. Withdrawals are permitted provided clear funds are available in the account and the transaction complies with the terms and conditions applicable to particular products. Withdrawals can be processed electronically or via paper form (e.g. withdrawal form, cheque).

8 Definitions

Withdrawal refers to the Customer authorised removal of funds from an account and includes a transfer of funds (whether manual or electronic), direct debits, over-the-counter withdrawal, payments of online or telephone purchases or payments made via BPAY. Withdrawals are permitted provided clear funds are available in the account and the transaction complies with the terms and conditions applicable to particular products. Withdrawals can be processed electronically or via paper form (e.g. withdrawal form).

2. Accounts

2.1 Opening an account

(c) Joint Accounts

we can deposit to your joint Account any cheques payable to any one or more of the joint holders.

2. Accounts

2.1 Opening an account

(c) Joint Accounts

we can deposit to your joint Account any cheques payable to any one or more of the joint holders (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques through branches or ATMs).

2.2 Allowing others to operate on your account

(b) What can an authorised person do?

• draw cheques on your Account;
• order cheque books;
• stop, or remove a stop on, cheques on your Account;

2.2 Allowing others to operate on your account

(b) What can an authorised person do?

• draw cheques on your Account (all cheques written using the cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured);
• stop, or remove a stop on, cheques on your Account (cheque access will cease from 30 September 2026);

2.3 Operating your account

(b) Making deposits to your Account

You can make deposits to your Account in any of the following ways:

• through our EasyCheque Deposit facility.

ii. EasyCheque deposits

(d) Overdrawing your Account

If you have overdrawn your Account (such as by exceeding your credit limit) without our prior written approval, including where cheques you have deposited are dishonoured or transfer orders you have arranged with us are paid, you must immediately deposit funds to bring the Account back into order or within your approved limit. It is your responsibility to ensure you have sufficient cleared funds in your Account to meet any regular payment arrangements and/or cheques. If your prior end-of-day balance is insufficient to honour any or all of your regular payment arrangements and/or cheques these transactions may be dishonoured, and we may charge you a fee.

2.3 Operating your account

(b) Making deposits to your Account

You can make deposits to your Account in any of the following ways:

• through our EasyCheque Deposit facility (this service will cease from 30 November 2026).

ii. EasyCheque deposits (This service will cease from 30 November 2026)

(d) Overdrawing your Account

If you have overdrawn your Account (such as by exceeding your credit limit) without our prior written approval, including where cheques you have deposited are dishonoured or transfer orders you have arranged with us are paid, you must immediately deposit funds to bring the Account back into order or within your approved limit. It is your responsibility to ensure you have sufficient cleared funds in your Account to meet any regular payment arrangements and/or withdrawals. If your prior end-of-day balance is insufficient to honour any or all of your regular payment arrangements and/or cheques these transactions may be dishonoured, and we may charge you a fee.

2.8 Our right to combine accounts

We will tell you if we have combined any of your accounts. We do not have to notify you before we exercise our right of combination. We will provide you with details of such amounts if you request.

You should not assume that an unauthorised overdrawn account will be combined by us with an account that is in credit (eg in order to cover cheques you have drawn on the overdrawn account) unless we have agreed to do so.

2.8 Our right to combine accounts

We will tell you if we have combined any of your accounts. We do not have to notify you before we exercise our right of combination. We will provide you with details of such amounts if you request.

You should not assume that an unauthorised overdrawn account will be combined by us with an account that is in credit unless we have agreed to do so.

3. Payment services

3.1 Payment services

* 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. Payment services

3.1 Payment services

* Customers with existing 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: from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

3.3 Branches

At a branch you can:

• cash cheques;

3.4 ATMs

You will find our ATMs outside many branches and at other convenient locations.

Using a Card and PIN you can:

deposit cash (notes only) and cheques (excluding Credit Card accounts);

3.3 Branches

At a branch you can:

• cash cheques (no longer available from 30 September 2026);

3.4 ATMs

You will find our ATMs outside many branches and at other convenient locations.

Using a Card and PIN you can:

• deposit cash (notes only) and cheques (we will not accept cheque deposits through our ATMs from 30 November 2026) (excluding Credit Card accounts);

3.5 Cheques

(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.

3.5 Cheques

Cheque access will cease from 30 September 2026. Any cheques written using the BOQ cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured.

(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: from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 5 and 7 Business Days.

iv. Third party cheque deposits

From 30 November 2026, we will no longer accept other financial institution cheques (personal, business or bank cheques) through our branches or ATM.

xii Cheques unpaid or “dishonoured”

Section added: the cheque is presented for payment from 30 September 2026.

3.6 Bank cheques

We will no longer issue Bank Cheques from 30 June 2026.

3.12 Mail deposits

From 30 November 2026, we will no longer accept mail cheque deposits.

3.14 Bank drafts

(a) Features and benefits

(b) Risks

3.14 Bank drafts

This section is not used.

Section removed: (a) & (b)

3.15 Foreign currency cheque deposits

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.15 Foreign currency cheque deposits

This section is not used. This will no longer be available on and from 1 July 2025

Section removed: (a) & (b)

7.8 The relationship between banker and customer

iii. Payment and collection of cheques:

7.8 The relationship between banker and customer

iii. Payment and collection of cheques (not applicable from 30 September 2026)

Account operating fees and charges

Cashed Cheques

Cheques Written

Account operating fees and charges

Cashed Cheques (no longer available from 30 September 2026)

Cheque Written (all cheques drawn on your Account that are presented for payment from 30 September 2026 will be dishonoured)

General Service

Bank Cheque Fee

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

Counter Cheques

General Service

Bank Cheque Fee (no Bank Cheques will be issued from 30 June 2026)

Cheque Books (From 4 December 2025 new cheque access will not be available, from 31 May 2026 no cheque books will be issued)

Counter Cheques (no Counter Cheques will be issued from 30 September 2026)

Products and services no longer offered

Cashed Cheques

Cheques Written

Products and services no longer offered

Cashed Cheques (no longer available from 30 September 2026)

Cheque Written (all cheques drawn on your Account that are presented for payment from 30 September 2026 will be dishonoured)

4.2 Summary of Account features and benefits

EasyCheque Deposit Facility

4.2 Summary of Account features and benefits

EasyCheque Deposit Facility (This service will cease from 30 November 2026)

4.6 Operating your Account

(b) Making deposits to your Account

(ii) EasyCheque Deposit

The proceeds of any cheque deposit may not be available for 3 Business Days after the deposit is made. If the cheque is dishonoured at any time, we may debit your Account for the amount of the cheque.

4.6 Operating your Account

(b) Making deposits to your Account

(ii) EasyCheque Deposit (This service will cease from 30 November 2026)

The proceeds of any cheque deposit may not be available for 5 to 7 Business Days after the deposit is made. If the cheque is dishonoured at any time, we may debit your Account for the amount of the cheque.

4.10 When you stop using your Account

(a) Inactive Accounts

If your Account as not been transacted on by way of a deposit or a withdrawal for 12 months or more and:

4.10 When you stop using your Account

(a) Inactive Accounts

If your Account as not been transacted on by way of a deposit or a withdrawal for 6 months or more and:

5.4 General Services

Bank Cheque Fee

5.4 General Services

Bank Cheque Fee (no new Bank Cheques will be issued from 30 June 2026)

6.5 Cheques

Cheque access will cease from 30 September 2026. Any cheques written using the BOQ cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured.

6.5 Cheques

(c) Other important information

(ii) Time taken for clearing a cheque

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 3 and 5 Business Days. You should ask us for an estimate of the time it will take if you need to know. An arrangement for special clearance on cheques is not available. We are unable to arrange for a cheque to be cleared faster than the usual time for clearance.

(ix) Cheques unpaid or “dishonoured”

6.5 Cheques

(c) Other important information

(ii) Time taken for clearing a cheque

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 5 and 7 Business Days. You should ask us for an estimate of the time it will take if you need to know. An arrangement for special clearance on cheques is not available. We are unable to arrange for a cheque to be cleared faster than the usual time for clearance.

(ix) Cheques unpaid or “dishonoured”

Section added: the cheque is presented for payment from 30 September 2026.

6.11 Mail deposits

We will not accept cheques for deposit from 30 November 2026.

6.13 Bank drafts

(a) Features and benefits

(b) Risks

6.13 Bank drafts

This section is not used.

Section removed (a) & (b)

6.14 Foreign currency cheque deposits

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

6.14 Foreign currency cheque deposits

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

6.15 Foreign currency sales and purchases

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

6.15 Foreign currency sales and purchases

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

Contents

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

Contents

Section removed: 2.6 Summary of Accounts No Longer for Sale Information for existing account holders only. Trust Accounts

2.2 Summary of Transaction Account Features and Benefits

Easy Cheque Deposit facility

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

2.2 Summary of Transaction Account Features and Benefits

Easy Cheque Deposits (This service will cease from 30 November 2026)

Footnote 4: 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

2.3 Summary of Investment Account Features and Benefits

Easy Cheque Deposit facility

Footnote 1

Footnote 5. All direct debits (withdrawals) and direct credits (deposits) must be credited to or debited from the Solicitors general Trust Account (excluding accounts held by registered solicitors practising in Victoria).

Footnote 6

Footnote 7: Balances greater than $5,000,000 are subject to approval for accounts established on and from 30 August 2010.

2.3 Summary of Investment Account Features and Benefits

Easy Cheque Deposits (This service will cease from 30 November 2026)

Section removed: Footnote 1 and update label of other footnote in this section.

Footnote 4. All direct debits (withdrawals) and direct credits (deposits) must be credited to or debited from the Solicitors general Trust Account.

Section removed: Footnote 6

Footnote 6: Balances greater than $5,000,000 are subject to approval.

2.3 Summary of Transaction Account Features and Benefits (Continued)

Easy Cheque Deposit facility

2.3 Summary of Investment Account Features and Benefits (Continued)

Easy Cheque Deposits (This service will cease from 30 November 2026)

2.3 Summary of Investment Account Features and Benefits (Continued)

Option to receive interest payments by cheque - existing arrangements only

2.3 Summary of Investment Account Features and Benefits (Continued)

Option to receive interest payments by cheque - This will not be available for existing arrangements from 30 June 2026

2.4 Summary of Trust Account Features and Benefits

Easy Cheque Deposit facility

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

2.4 Summary of Trust Account Features and Benefits

Easy Cheque Deposits (This service will cease from 30 November 2026)

* 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

2.5 Summary of Accounts No Longer for Sale

Information for existing account holders only. Trust Accounts

2.5 Summary of Accounts No Longer for Sale

Information for existing account holders only. Trust Accounts

This section is removed

2.5 Summary of Accounts No Longer for Sale

Information for existing account holders in NSW and QLD only. Trust Account

Easy Cheque Deposit facility

^^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

Easy Cheque Deposits (This service will cease from 30 November 2026)

^^ 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

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

Easy Cheque Deposit facility

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

^^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™

Easy Cheque Deposits (This service will cease from 30 November 2026)

Minimum opening balance - no minimum

^^ 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

2.5 Summary of Accounts No Longer for Sale (Continued) Easy Investment Account

Options to receive interest payments by cheque - existing arrangements only

Easy Cheque Deposit facility

2.5 Summary of Accounts No Longer for Sale (Continued) Easy Investment Account

Options to receive interest payments by cheque - This will not be available for existing arrangements from 30 June 2026.

Easy Cheque Deposits (This service will cease from 30 November 2026)

2.5 Summary of Accounts No Longer for Sale (Continued) Transaction Accounts

Easy Cheque Deposit facility

Footnote 1: 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) Transaction Accounts

Easy Cheque Deposits (This service will cease from 30 November 2026)

Footnote 1: 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

2.5 Summary of Accounts No Longer for Sale (Continued) Investment Accounts

Easy Cheque Deposit facility

Footnote 2 Balances greater than $5,000,000 are subject to approval for accounts established on and from 30 August 2010.

Footnote 3 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) Investment Accounts

Easy Cheque Deposits (This service will cease from 30 November 2026)

Footnote 2: Balances greater than $5,000,000 are subject to approval.

Footnote 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

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

Easy Cheque Deposit facility

Footnote 5 Direct debits (withdrawals) on Controlled Money Accounts, Solicitors Investment Trust Accounts, and Real Estate/Agents Investment Trust Accounts are only permitted by Cheque or Electronic Funds Transfer via Internet Banking.

Footnote 8 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) Features & Benefits Business Management Account

Easy Cheque Deposits (This service will cease from 30 November 2026)

Footnote 5 Direct debits (withdrawals) on Controlled Money Accounts, Solicitors Investment Trust Accounts, and Real Estate/Agents Investment Trust Accounts are only permitted by Electronic Funds Transfer via Internet Banking.

Footnote 8 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

2.6 Opening an Account

f. Joint Accounts

You (or any other joint holder) can tell us in writing that the Account requires the signatures of all joint holders. If you do, we will dishonour a cheque or withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return the Cards to us. If you or any other joint holders use your Cards to withdraw money from the Joint Account before they are returned to us, you will be liable for those transactions.

Before you open a joint Account, you should understand that:

we can deposit to the joint Account any cheques payable to any one or more of the joint holders.

2.7 Opening an Account

f. Joint Accounts

You (or any other joint holder) can tell us in writing that the Account requires the signatures of all joint holders. If you do, we will dishonour a withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return the Cards to us. If you or any other joint holders use your Cards to withdraw money from the Joint Account before they are returned to us, you will be liable for those transactions.

Before you open a joint Account, you should understand that:

• we can deposit to the joint Account any cheques payable to any one or more of the joint holders (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques through branches or ATMs).

2.7 Allowing others to use your account

(b) What can an authorised person do?

• draw cheques on the Account;
• order cheque books;
• stop, or remove a stop on, cheques on the Account;

2.8 Allowing others to use your account

(b) What can an authorised person do?

• draw cheques on the Account (all cheques written using the cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured);
• stop, or remove a stop on, cheques on the Account (cheque access will cease from 30 September 2026);

2.8 Operating your account

(b) Making deposits to Your Account

ii. EasyCheque Deposits

(c) Making withdrawals from Your Account

Normally, you will not be able to withdraw the value of a cheque you deposit until the cheque is cleared, even though the amount of the cheque may be credited to Your Account.

(d) Bank@Post

You may deposit cash or cheques into your Account by using your physical card and PIN at any Bank@Post^TM outlet.

Overdrawing Your Account

Usually, you can only use Your Account if it is in credit. We do not have to let you overdraw Your Account. If we do, we may charge you interest calculated on the overdrawn daily balance. It is your responsibility to ensure you have sufficient cleared funds in your account to meet any regular payment arrangements and/or cheques.

If you have overdrawn your Account without our prior written approval, including where cheques you have deposited are dishonoured or transfer orders you have arranged with us are paid, you and we agree that you must repay the overdrawn amount to us within 7 days from the time that the Account is overdrawn (or further overdrawn), unless we make an alternative arrangement with you.

2.9 Operating your account

(b) Making deposits to Your Account

ii. EasyCheque Deposits (This service will cease from 30 November 2026)

(c) Making withdrawals from Your Account

Normally, you will not be able to withdraw the value of a cheque you deposit until the cheque is cleared, even though the amount of the cheque may be credited to Your Account (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques through branches or ATMs).

(d) Bank@Post

You may be able to deposit cash or cheques into your Account by using your physical card and PIN at any Bank@Post^TM outlet. Bank@Post™ will only accept cheques issued by participating financial institutions that currently offer cheque services. To find out if a cheque can be deposited via Bank@Post™ please contact the issuer of the cheque.

Overdrawing Your Account

Usually, you can only use Your Account if it is in credit. We do not have to let you overdraw Your Account. If we do, we may charge you interest calculated on the overdrawn daily balance. It is your responsibility to ensure you have sufficient cleared funds in your account to meet any regular payment arrangements and/or withdrawal.

If you have overdrawn your Account without our prior written approval, including where cheques you have deposited are dishonoured (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques through branches or ATMs) or transfer orders you have arranged with us are paid, you and we agree that you must repay the overdrawn amount to us within 7 days from the time that the Account is overdrawn (or further overdrawn), unless we make an alternative arrangement with you.

2.9 Interest Rates

You will be asked to provide us with your instructions for the disbursement of the funds from your Premier Investment Account and/or Farm Management Deposit Fixed Term Account at the time that you give us your 31 days’ notice of early withdrawal. The funds will be automatically disbursed to the Account that you have nominated 32 days’ after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next Business Day. If you do not provide sufficient details of a bank account to enable us to disburse your funds to that account, we will attempt to contact you. If we are unable to contact you, we will send a bank cheque made payable to you for the principal and interest (as adjusted for early withdrawal) less any early pay out fee and bank cheque fee, to the last known address that we have recorded for you.

2.10 Interest Rates

You will be asked to provide us with your instructions for the disbursement of the funds from your Premier Investment Account and/or Farm Management Deposit Fixed Term Account at the time that you give us your 31 days’ notice of early withdrawal. The funds will be automatically disbursed to the Account that you have nominated 32 days’ after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next Business Day. If you do not provide sufficient details of a bank account to enable us to disburse your funds to that account, we will attempt to contact you. If we are unable to contact you, we will hold the principal and interest (as adjusted for the early withdrawal) less any early pay out fee and arrange payment of funds when you contact us, provide account details and meet our identity verification requirements.

2.12 Our right to combine accounts

You should not assume that an unauthorised overdrawn Account will be combined by us with an Account that is in credit (e.g. in order to cover cheques you have drawn on the overdrawn Account) unless we have agreed to do so.

2.12 Our right to combine accounts

You should not assume that an unauthorised overdrawn Account will be combined by us with an Account that is in credit unless we have agreed to do so.

2.14 Automatic reinvestment of fixed term investment accounts

If you redeem the funds, we will provide them to you by transferring them to another Account with us or an account with another financial institution. If you do not have another Account with us or do not provide us with alternate account details for the transfer of funds, we may provide you with a bank cheque in your name.

2.15 Automatic reinvestment of fixed term investment accounts

If you redeem the funds, we will provide them to you by transferring them to another Account with us or an account with another financial institution. If you do not have another Account with us or have not given us instructions as to the Nominated Account you wish to have the funds transferred to, and we are unable to contact you, we will hold the principal and interest and arrange payment of funds when you contact us, provide account details and meet our identity verification requirements.

3 Payment services

3.3 Branches and Business Banking

Centres

• cash cheques;
• deposit cash or cheques;
• purchase bank cheques, overseas drafts, or traveller’s cheques;

3.4 ATMS

• deposit cash (notes only) and cheques;

3 Payment services

3.3 Branches

• cash cheques (no longer available from 30 September 2026);
• deposit cash or cheques (we will not accept cheque deposits through our branches from 30 November 2026);
• purchase bank cheques (no longer available from 30 June 2026);

3.4 ATMS

• deposit cash (notes only) and cheques (we will not accept cheque deposits through our ATMs from 30 November 2026);

3 Payment services

3.5 Cheques

(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.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 3 and 5 Business Days.

iii. Third party cheque deposits

Cheques unpaid or “dishonoured”

3 Payment services

3.5 Cheques

Cheque access will cease from 30 September 2026. Any cheques written using the BOQ cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured.

(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: from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 5 and 7 Business Days.

iii. Third party cheque deposits

From 30 November 2026, we will no longer accept other financial institution cheques (personal, business or bank cheques) through our branches or ATM.

Cheques unpaid or “dishonoured”

Section added: the cheque is presented for payment from 30 September 2026.

3.6 Bank cheques

We will no longer issue Bank Cheques from 30 June 2026.

3.12 Mail deposits

From 30 November 2026, we will no longer accept mail cheque deposits.

3.14 Bank drafts

(a) Features and benefits

(b) Risks

3.14 Bank drafts

This section is not used.

Section removed (a) & (b)

3.15 Foreign currency cheque deposits

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.15 Foreign currency cheque deposits

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

3.16 Foreign currency sales and purchases

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.16 Foreign currency sales and purchases

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

7.8 The relationship between banker and customer

(i) Our duties:

Conform with your mandate - due to the debtor/ creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located.

(iii) Payment and collection of cheques:

8. Definitions

Withdrawals are permitted provided clear funds are available in the account and the transaction complies with the terms and conditions applicable to particular products. Withdrawals can be processed electronically or via paper form (e.g. withdrawal form, cheque).

7.8 The relationship between banker and customer

(i) Our duties:

Conform with your mandate - due to the debtor/ creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque (cheque services are ceasing - see section 3.5 of these Terms and Conditions for applicable timelines) or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located.

(iii) Payment and collection of cheques (not applicable from 30 September 2026)

8. Definitions

Withdrawals are permitted provided clear funds are available in the account and the transaction complies with the terms and conditions applicable to particular products. Withdrawals can be processed electronically or via paper form (e.g. withdrawal form, cheque if available on the Account).

2.2 Opening an account

F. Joint Accounts

You (or any other joint holder) can tell us in writing that the Account requires the signature of all joint holders. If you do, we will dishonour a cheque or withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return the Cards to us. If you or any other joint holders use your Cards to withdraw money from the joint Account before they are returned to us, you will be liable for those transactions.

Before you open a joint Account, you should understand that:

• each of you is liable for the debts on the Account;
• if the account is overdrawn each of you are liable to pay us the overdrawn amount;
• if any joint holder dies, we can treat the credit balance in the Account as owing to the rest of you; and
• we can deposit to the joint Account any cheques payable to any one or more of the joint holders.

2.2 Opening an account

F. Joint Accounts

You (or any other joint holder) can tell us in writing that the Account requires the signature of all joint holders. If you do, we will dishonour a withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return the Cards to us. If you or any other joint holders use your Cards to withdraw money from the joint Account before they are returned to us, you will be liable for those transactions.

Before you open a joint Account, you should understand that:

• each of you is liable for the debts on the Account;
• if the account is overdrawn each of you are liable to pay us the overdrawn amount;
• if any joint holder dies, we can treat the credit balance in the Account as owing to the rest of you; and
• we can deposit to the joint Account any cheques payable to any one or more of the joint holders (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques through branches or ATMs).

2.3 Allowing others to use your account

(b) What can an authorised person do?

• draw cheques on the Account;
• order cheque books;
• stop, or remove a stop on, cheques on the Account;

2.3 Allowing others to use your account

(b) What can an authorised person do?

• draw cheques on your Account (all cheques drawn on your Account that are presented for payment from 30 September 2026 will be dishonoured);
• stop, or remove a stop on, cheques on the Account (cheque access will cease from 30 September 2026)

2.4 Operating your account

B. Making Deposits to Your Account

You can make deposits to Your Account in any of the following ways:

• through our EasyCheque Deposit facility (for Loan Accounts).

ii. EasyCheque Deposits

2.4 Operating your account

B. Making Deposits to Your Account

You can make deposits to Your Account in any of the following ways:

• through our EasyCheque Deposit facility (for Loan Accounts, this service will cease on 30 November 2026).

ii. EasyCheque Deposits (This service will cease from 30 November 2026)

2.4 Operating your account

D. Overdrawing your Business Overdraft or Business Line of Credit

If the limit of your facility has been exceeded without our prior written approval, including where cheques deposited are dishonoured or arranged transfer orders have been paid, the facility must be brought back into order immediately. If your Business Overdraft or Business Line of Credit remains overdrawn for more than 60 days, we may commence enforcement action and report your default to a credit reporting agency. It is your responsibility to ensure you have sufficient cleared funds in your account to meet any regular payment arrangements and/or cheques. If your prior end-of-day balance is insufficient to honour any or all of your regular payment arrangements and/or cheques these transactions may be dishonoured, and we may charge you a fee.

2.4 Operating your account

D. Overdrawing your Business Overdraft or Business Line of Credit

If the limit of your facility has been exceeded without our prior written approval, including where cheques deposited are dishonoured or arranged transfer orders have been paid, the facility must be brought back into order immediately. If your Business Overdraft or Business Line of Credit remains overdrawn for more than 60 days, we may commence enforcement action and report your default to a credit reporting agency. It is your responsibility to ensure you have sufficient cleared funds in your account to meet any regular payment arrangements and/or withdrawals. If your prior end-of-day balance is insufficient to honour any or all of your regular payment arrangements and/or cheques these transactions may be dishonoured, and we may charge you a fee.

2.10 Our right to combine accounts

We will tell you if we have combined any of your accounts. We do not have to notify you before we exercise our right of combination. We will provide you with details of such amounts if you request.

You should not assume that an unauthorised overdrawn account will be combined by us with an account that is in credit (eg in order to cover cheques you have drawn on the overdrawn account) unless we have agreed to do so.

2.10 Our right to combine accounts

We will tell you if we have combined any of your accounts. We do not have to notify you before we exercise our right of combination. We will provide you with details of such amounts if you request.

You should not assume that an unauthorised overdrawn account will be combined by us with an account that is in credit unless we have agreed to do so.

3. Payment services

3.1 Payment services

* 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. Payment services

3.1 Payment services

* 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

3.3 Branches and business banking centres

At a branch or Business Banking Centre you can:

• cash cheques;
• deposit cash or cheques;
• purchase bank cheques, overseas drafts, or traveller’s cheques;

3.4 ATMs

You will find our ATMs outside many branches and at other convenient locations.

Using a Card and PIN you can:

• deposit cash (notes only) and cheques;

3.3 Branches and business banking centres

At a branch or Business Banking Centre you can:

• cash cheques (no longer available from 30 September 2026);
• deposit cash or cheques (we will not accept cheque deposits through our branches from 30 November 2026);

3.4 ATMs

You will find our ATMs outside many branches and at other convenient locations.

Using a Card and PIN you can:

• deposit cash (notes only) and cheques (we will not accept cheque deposits through our ATMs from 30 November 2026);

3.5 Cheques

(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.

D. Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 3 and 5 Business Days.

iv. Third party cheque deposits

xii. Cheques Unpaid or “dishonoured”

3.5 Cheques

Cheque access will cease from 30 September 2026. Any cheques written using the BOQ cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured.

(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: from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

D Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 5 and 7 Business Days.

iv. Third party cheque deposits

From 30 November 2026, we will no longer accept other financial institution cheques (personal, business or bank cheques) through our branches or ATM.

xii. Cheques Unpaid or “dishonoured”

Section added: the cheque is presented for payment from 30 September 2026.

3.6 Bank cheques

We will no longer issue Bank Cheques from 30 June 2026.

3.8 Direct debits

A. Features and Benefits

Some benefits of a direct debit arrangement are:

• It may save you money when compared to other payment methods, such as cheques and money orders

3.8 Direct debits

A. Features and Benefits

Some benefits of a direct debit arrangement are:

• It ensures timely payments are made to the merchant
• It saves you time as direct debits are processed automatically
• It may save you money when compared to other payment methods, such as money orders

3.10 Recurring payments

A. Features and Benefits

Some benefits of a recurring transaction arrangement are:

• It may save you money when compared to other payment methods, such as cheques and money orders

3.10 Recurring payments

A. Features and Benefits

Some benefits of a recurring transaction arrangement are:

• It may save you money when compared to other payment methods, such as money orders

3.12 Mail deposits

From 30 November 2026, we will no longer accept mail cheque deposits.

3.14 Bank drafts

(a) Features and benefits

(b) Risks

3.14 Bank drafts

This section is not used.

Section removed (a) & (b)

3.15 Foreign currency cheque deposits

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.15 Foreign currency cheque deposits

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

3.16 Foreign currency sales and purchases

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

3.16 Foreign currency sales and purchases

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

7.8 The relationship between banker and customer

(i) Our duties:

Conform with your mandate - due to the debtor/ creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located.

(iii) Payment and collection of cheques:

7.8 The relationship between banker and customer

(i) Our duties:

Conform with your mandate - due to the debtor/ creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque (cheque services are ceasing - see section 3.5 of these Terms and Conditions for applicable timelines) or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located.

(iii) Payment and collection of cheques (not applicable from 30 September 2026)

Introduction

No wording on cheque changes

Introduction

Changes to Cheques at BOQ^‡

Transaction Accounts

Cheques Written

Cheques Deposited

Transaction Accounts

Cheques Written^‡

Cheques Deposited^‡

Investment Accounts

Cheques Deposited

Investment Accounts

Cheques Deposited^‡

Trust Account

Cheques Written

Cheques Deposited

Trust Account

Cheques Written^‡

Cheques Deposited^‡

Business lending

Business Line of Credit

Transaction Fee

A fee charged for all deposits and withdrawals, including transactions completed through BOQ branches, cheques debited to an account, direct debits and direct credits, BOQ ATM withdrawals/transfers/ deposits, Bank@Post withdrawals, Bank@Post deposits, EFTPOS withdrawals and internet banking withdrawals and transfers.

Cheques Deposited

Cash Passport (no longer for sale)

Please refer to www.cashpassport.com.au for a list of applicable fee’s and charges.

Business lending

Business Line of Credit

Transaction Fee

A fee charged for all deposits and withdrawals, including transactions completed through BOQ branches, cheques^‡ debited to an account, direct debits and direct credits, BOQ ATM withdrawals/transfers/ deposits, Bank@Post withdrawals, Bank@Post deposits, EFTPOS withdrawals and internet banking withdrawals and transfers.

Cheques Deposited^‡

Cash Passport (no longer for sale)

Please refer to www.cashpassport.com.au for a list of applicable fee’s and charges. (Remvoed)

Drafts – In Foreign Currency

FOREIGN CHEQUE (no longer available on and from 1 July 2025)

Drafts – In Foreign Currency

FOREIGN CHEQUE (no longer available on and from 1 July 2025) (Removed)

Overseas Notes

Travellers Cheques

Overseas Notes (removed)

Travellers Cheques (removed)

General services

Bank Cheque Fee

Dishonour Fees

Charged to your account on the day where a cheque deposited to your account is dishonoured.

Stop Payments

Issued Cheques

General services

Bank Cheque Fee^‡

Dishonour Fees

Charged to your account on the day where a cheque deposited to your account is dishonoured^‡.

Stop Payments

Issued Cheques^‡

Products no longer offered

Trust Account

Cheques Written

Cheques Deposited

INTERNET BANKING

Products no longer offered

Trust Account (only retain BUSINESS MANAGEMENT ACCOUNT)

Cheques Written^‡

Cheques Deposited^‡

INTERNET BANKING (only retain Business Management Account)

Unlimited Business Account™

TRANSACTION

Cheques Written

Cheques Deposited

Unlimited Business Account™

TRANSACTION

Cheques Written^‡

Cheques Deposited^‡

Business Cheque Account

TRANSACTION

Cheques Written

Cheques Deposited

Business Cheque Account

TRANSACTION

Cheques Written^‡

Cheques Deposited^‡

Business Investment Account / Cash Management Account - Business

TRANSACTION

Cheques Written

Cheques Deposited

Business Investment Account / Cash Management Account - Business

TRANSACTION

Cheques Written^‡

Cheques Deposited^‡

Business Performance Saver / Farm Management Deposit Account (at-call)

Cheques Deposited

Business Performance Saver / Farm Management Deposit Account (at-call)

Cheques Deposited^‡

Trust Account

Cheques Written

Cheques Deposited

Trust Account (remove NSW AGENTS TRUST)

Cheques Written^‡

Cheques Deposited^‡

Product description

Key attributes of this product

• Optional Mortgage Offset Account to facilitate withdrawals, unlimited cheques, BOQ balance enquiries, funds transfer and BPAY payments with a Visa Debit Card*

Product description

Key attributes of this product

• Optional Mortgage Offset Account to facilitate withdrawals, BOQ balance enquiries, funds transfer and BPAY payments with a Visa Debit Card*

2. Transaction Accounts

Footnote 5 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. Transaction Accounts

Footnote 5 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; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

4.3 Joint Accounts

You (or any other joint holder) can tell us in writing that the Account requires the signatures of all joint holders. If you do, we will dishonour a cheque or withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return the Cards to us. If you or any other joint holders use your Cards to withdraw money from the Joint Account before they are returned to us, you will be liable for those transactions.

Before you open a joint Account, you should understand that:

• we can deposit to the joint Account any cheques, payable to anyone or more of the joint holders.

4.3 Joint Accounts

You (or any other joint holder) can tell us in writing that the Account requires the signatures of all joint holders. If you do, we will dishonour a withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return the Cards to us. If you or any other joint holders use your Cards to withdraw money from the Joint Account before they are returned to us, you will be liable for those transactions.

Before you open a joint Account, you should understand that:

• we can deposit to the joint Account any cheques, payable to anyone or more of the joint holders (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques).

4.6 Allowing others to use Your Account

b. What can an authorised person do?

• Draw cheques on the Account;
• order cheque books;
• stop, or remove a stop on, cheques on the Account;

4.6 Allowing others to use Your Account

b. What can an authorised person do?

• Draw cheques on the Account (all cheques written using the cheque book attached to your Account that are presented for payment from 30th September 2026 will be dishonoured);
• order cheque books (will cease from 31 May 2026);
• stop, or remove a stop on, cheques on the Account (cheque access will cease from 30 September 2026);

4.7 Operating Your Account

b. Making deposits to your Account

ii. EasyCheque Deposits

c. Making withdrawals from Your Account

Normally, you will not be able to withdraw the value of a cheque you deposit until the cheque is cleared, even though the amount of the cheque may be credited to Your Account.

d. Overdrawing Your Account

If you have overdrawn your Account without our prior written approval, including where cheques you have deposited are dishonoured or transfer orders you have arranged with us are paid, you and we agree that you must repay the overdrawn amount to us within 7 days from the time that the Account is overdrawn (or further overdrawn), unless we make an alternative arrangement with you.

4.7 Operating Your Account

b. Making deposits to your Account

ii. EasyCheque Deposits (This service will cease from 30 November 2026)

c. Making withdrawals from Your Account

Normally, you will not be able to withdraw the value of a cheque you deposit until the cheque is cleared, even though the amount of the cheque may be credited to Your Account (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques).

d. Overdrawing Your Account

If you have overdrawn your Account without our prior written approval, including where cheques you have deposited are dishonoured (any cheques issued from a BOQ cheque book that are presented from 30 September 2026 will be dishonoured and from 30 November 2026 we will no longer accept other financial institution cheques through branches or ATMs) or transfer orders you have arranged with us are paid, you and we agree that you must repay the overdrawn amount to us within 7 days from the time that the Account is overdrawn (or further overdrawn), unless we make an alternative arrangement with you.

4.8 Interest Rates

b. How the interest you earn is calculated and paid

ii. Investment Accounts

StrataCash Term Deposit Account – withdrawals outside of the renewal grace period

You will be asked to provide us with your instructions for the disbursement of the funds from your Account at the time that you give us your 31 days’ notice of early withdrawal. Subject to clause 4.13(b), the funds will be automatically disbursed to the Account that you have nominated 32 days’ after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next business day. If you do not provide sufficient details of a bank account to enable us to disburse your funds to that account, your StrataCash Management Relationship Manager will attempt to contact you. If your StrataCash Management Relationship Manager is unable to contact you, we will send a bank cheque made payable to you for the principal and interest (as adjusted for early withdrawal) less any early payout fee and bank cheque fee, to the last known address that we have recorded for you.

4.8 Interest Rates

b. How the interest you earn is calculated and paid

ii. Investment Accounts

StrataCash Term Deposit Account – withdrawals outside of the renewal grace period

You will be asked to provide us with your instructions for the disbursement of the funds from your Account at the time that you give us your 31 days’ notice of early withdrawal. Subject to clause 4.13(b), the funds will be automatically disbursed to the Account that you have nominated 32 days’ after we receive your notice of early withdrawal. If the 32nd day falls on a weekend or Australian public holiday then the funds will be automatically disbursed on the next business day. If you do not provide sufficient details of a bank account to enable us to disburse your funds to that account, your StrataCash Management Relationship Manager will attempt to contact you. If we are unable to contact you, we will hold the principal and interest (as adjusted for the early withdrawal) less any early pay out fee and arrange payment of funds when you contact us, provide account details and meet our identity verification requirements.

4.11 Our right to combine accounts

You should not assume that an unauthorised overdrawn Account will be combined by us with an Account that is in credit (e.g. in order to cover cheques you have drawn on the overdrawn Account) unless we have agreed to do so.

4.11 Our right to combine accounts

You should not assume that an unauthorised overdrawn Account will be combined by us with an Account that is in credit unless we have agreed to do so.

4.13 Automatic reinvestment of Stratacash term deposit accounts

If you redeem the funds, we will provide them to you by transferring them to another Account with us or an account with another financial institution or, if we choose, by providing you with a bank cheque.

4.13 Automatic reinvestment of Stratacash term deposit accounts

If you redeem the funds, we will provide them to you by transferring them to another Account with us or an account with another financial institution. If you do not have another Account with us or have not given us instructions as to the Nominated Account you wish to have the funds transferred to, and we are unable to contact you, we will hold the principal and interest and arrange payment of funds when you contact us, provide account details and meet our identity verification requirements.

5 Payment services

5.3 Branches

• cash cheques;
• deposit cash or cheques;

5.4 ATMS

• deposit cash (notes only) and cheques;

5 Payment services

5.3 Branches

• cash cheques (no longer available from 30 September 2026);
• deposit cash or cheques (we will not accept cheque deposits through our branches from 30 November 2026);

5.4 ATMS

• deposit cash (notes only) and cheques (we will not accept cheque deposits through our ATMs from 30 November 2026);

5 Payment services

5.5 Cheques

(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.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 3 and 5 Business Days.

iv. Third party cheque deposits

xii. Cheques returned unpaid or “dishonoured”

5 Payment services

5.5 Cheques

Cheque access will cease from 30 September 2026. Any cheques written using the BOQ cheque book attached to your Account that are presented for payment from 30 September 2026 will be dishonoured.

(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: from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends; from 31 May 2026 replacement cheque books will no longer be issued; and from 30 September 2026 your cheque access will cease and any cheques issued from your BOQ cheque book that are presented from 30 September 2026 will be dishonoured.

(d) Other important information

ii. Time taken for clearing a cheque.

Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 5 and 7 Business Days.

iv. Third party cheque deposits

From 30 November 2026, you will no longer be able to deposit third party cheques through branches or ATMs.

xii. Cheques returned unpaid or “dishonoured”

• Section added: the cheque is presented for payment from 30 September 2026.

5.6 Bank cheques

We will no longer issue Bank Cheques from 30 June 2026.

5.11 Mail deposits

From 30 November 2026, we will no longer accept mail cheque deposits.

5.13 Bank drafts

(a) Features and benefits

(b) Risks

5.13 Bank drafts

This section is not used.

Section removed: (a) & (b)

5.14 Foreign currency cheque deposits

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

5.14 Foreign currency cheque deposits

This section is not used. This will no longer be available on and from 1 July 2025

Section removed: (a) & (b)

5.15 Foreign currency sales and purchases

This will no longer be available on and from 1 July 2025

(a) Features and benefits

(b) Risks

5.15 Foreign currency sales and purchases

This section is not used. This will no longer be available on and from 1 July 2025

Section removed (a) & (b)

9.8 The relationship between banker and customer

(i) Our duties:

Conform with your mandate – due to the debtor/ creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located.

iii. Payment and collection of cheques:

9.8 The relationship between banker and customer

(i) Our duties:

Conform with your mandate – due to the debtor/ creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque (cheque services are ceasing - see section 5.5 of these Terms and Conditions for applicable timelines) or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located.

iii. Payment and collection of cheques (not applicable from 30 September 2026)

10. Definition

Withdrawal refers to the Customer authorised removal of funds from an account and includes a transfer of funds (whether manual or electronic), direct debits, over-the-counter withdrawal, payments of online or telephone purchases or payments made via BPAY. Withdrawals are permitted provided clear funds are available in the account and the transaction complies with the terms and conditions applicable to particular products. Withdrawals can be processed electronically or via paper form (e.g. withdrawal form, cheque).

10. Definition

Withdrawal refers to the Customer authorised removal of funds from an account and includes a transfer of funds (whether manual or electronic), direct debits, over-the-counter withdrawal, payments of online or telephone purchases or payments made via BPAY. Withdrawals are permitted provided clear funds are available in the account and the transaction complies with the terms and conditions applicable to particular products. Withdrawals can be processed electronically or via paper form (e.g. withdrawal form, cheque (if available on the Account)).