Rates are subject to change at any time without notice.

Streamline

Fee	Amount
Monthly base fee	$3.00, or free if registered for statement stopper on FastNet Classic
Free transactions	Unlimited electronic transactions
Electronic transactions* (per transaction)	Free
Manual transactions**  (per transaction)	$3.00

Omni

Fee	Amount
Monthly base fee	Free
Electronic transactions* (per transaction)	$0.40
Manual transactions** (per transaction)	$0.80

Unlimited

Balance	Interest rate
$0 - $99,999	1.00% p.a.
$100,000+	3.15% p.a.

Fee	Amount
Monthly base fee	$12.00
Free transactions	Unlimited
Electronic transactions* (per transaction)	Free
Manual transactions** (per transaction)	Free

ASB Cash Fund

$ Balance/Units	Rate of return
All credit balances	3.15% p.a.

Fee	Amount
Base and transaction fees Service fees may apply	None

The rate of return is before tax and fees and subject to change. For more information see the ASB Cash Fund Investment Statement. The ASB Cash Fund is a unit trust issued by ASB Group Investments Limited. Investments in the ASB Cash Fund are not deposits with ASB Bank Limited. A minimum $500 deposit is required. ASB Bank Limited guarantees account balances and returns at the prevailing rate (before tax and any fees). The guarantee is unsecured.

FastSaver

Balance	Interest rate
All credit balances	3.15% p.a

Fee	Amount
Monthly base fee	Free
Free transactions	Unlimited free transactions between your unique number and one self selected bill payee.
Electronic transactions* (per transaction)	Free for available transactions^
Manual transactions** (per transaction)	N/A

PrizeSaver

Balance	Interest rate
All credit balances	1.50% p.a.

Fee	Amount
Monthly base fee	None
All deposits	Free
Electronic transactions* (per transaction)	$0.50
Manual transactions** (per transaction)	$2.00

Youth accounts

Balance	Headstart	Tertiary	Graduate
Rates on all credit balances	2.25% p.a	n/a	n/a

Fee	Headstart	Tertiary	Graduate
Base fee	Free	Free	Free
ATM	Free	Free	Free
EFTPOS	Free	Free	Free
Other electronic transactions1	Free	Free	Free
Non-ASB ATMs	$0.75	$0.75	$0.75
Manual transactions (staff assisted or cheque)	Free	Free	Free
Automatic payments / Bill payments2	Free	Free	Free

1. These include EFTPOS, ASB ATMs, direct credits, direct debits, FastNet Classic, phone or TXT banking transfers, ASB FastDeposits, or FastCheques.
2. Service charges may apply.

Revolving home loan

Fee	Orbit and Orbit FastTrack
Monthly base fee	$12.00
Free transactions	Unlimited
Electronic transactions* (per transaction)	Free
Manual transactions** (per transaction)	Free

^ Available transactions include phone banking and FastNet Classic transfers, and transfers to one self-selected bill payee.

* Electronic transactions - covers all types of electronic transactions - ATM, EFTPOS, automatic payments, bill payments, FastCheque, direct credits, direct debits, FastNet Classic or FastPhone transfers, TXT banking transfers, mPayments and FastDeposit boxes.

** Manual transactions - covers all cheques, staff-assisted branch (including business banking centre) and contact centre transactions.

Overseas transactions

Overseas ATM fees

Withdrawals made internationally using your ASB ATM or EFTPOS card through the PLUS network or through a Commonwealth Bank of Australia Autobank machine are charged an overseas ATM fee of NZ$5.00. No other transaction fees apply to these withdrawals. There are no exemptions to this fee.

Offshore service margins

In the following section the terms 'ASB margin', 'ASB retail exchange margin', 'conversion rate', 'offshore service margins' and 'Visa international service assessment' are as defined in ASB's ATM cards, EFTPOS cards and FastPhone terms and conditions of use.

All cash withdrawals made at an overseas ATM using your ASB ATM or EFTPOS card will either first be converted into US dollars and then into New Zealand dollars or converted directly from the currency in which the cash withdrawal was made into New Zealand dollars at the applicable conversion rate.

Offshore service margins of 1.1% are added to the converted New Zealand dollar amount of each cash withdrawal made using your ASB ATM or EFTPOS card at an overseas ATM, excluding those withdrawals made using Commonwealth Bank of Australia ATMs.

The offshore service margins comprise a Visa international service assessment of 0.85% imposed on ASB by Visa and passed on to you, and an ASB margin of 0.25%.

The converted amount and the offshore service margins will appear on your statement.

For overseas cash withdrawals made using Commonwealth Bank of Australia ATMs an ASB retail exchange margin of 0.7% is included in the conversion rate by ASB. The total converted amount (including the ASB retail exchange margin where applicable) will appear on your statement.

Foreign currency deposit account rates

New Zealand resident rates for on-call deposits.

Currency	Interest rate
Australian dollars, AUD
10,000 to 75,000	1.50% p.a.
75,000 to 250,000	1.85% p.a.
250,000+	2.00% p.a.
Canadian dollars, CAD
20,000 to 65,000	0.00% p.a.
65,000+	0.00% p.a.
Swiss francs, CHF
20,000 to 75,00	0.00% p.a.
75,000+	0.00% p.a.
Euro, EUR
10,000 to 40,000	0.00% p.a.
40,000 to 200,000	0.00% p.a.
200,000+	0.00% p.a.
British pounds, GBP
5,000 to 30,000	0.00% p.a.
30,000 to 150,000	0.00% p.a.
150,000+	0.00% p.a.
Hong Kong dollars, HKD
100,000 to 400,000	0.00% p.a.
400,000+	0.00% p.a.
Japanese yen, JPY
1.0 to 7.0 million	0.00% p.a.
7.0 million+	0.00% p.a.
Singapore dollars, SGD
20,000 to 85,000	0.00% p.a.
85,000+	0.00% p.a.
United States dollars, USD
10,000 to 55,000	0.00% p.a.
55,000 to 200,000	0.00% p.a.
200,000+	0.00% p.a.

Interest rates are subject to change. Deposits which fall below the minimum balance accrue no interest. On call interest is calculated daily and compounded monthly. Term deposit interest is calculated daily and compounded on maturity. A copy of ASB's Disclosure Statement and ASB Treasury and Financial Markets Investment Statement for Term Deposits is available free of charge from any ASB branch on request. Fees apply.

For term deposit rates on balances in the second balance tier or higher, please contact ASB Global Markets on +64 9 302 3055 or 0800 806 280 between 8am to 5pm, Monday to Friday.

Fee	Amount
Repayments direct credited to an account in NZD	No charge
Withdrawal by issue of NZD bank cheque	$5.00
Withdrawal by international money transfer1	$25.00
Withdrawal by issue of foreign draft	$22.00
Withdrawal by issue of travellers cheques:
Minimum charge	$10.00
Maximum charge	1% of value
Deposit or Withdrawal by foreign cash / notes (handling fee):
Minimum charge	$10.00
Up to NZD 25,000.00 equivalent2	1% of value
Over NZD 25,000.00 equivalent2	1% of value
Cheque sent on collection3	$50.00 plus courier costs
International money transfer trace / amendment / cancellation	$30.00
Draft stop payment3	$25.00
Re-issue of historical statements	$5.00
Search fee (per hour)	$60.00
Minimum charge	$15.00

ASB Bank Limited ('ASB') reserves the right to amend these charges at any time.

Footnotes:
^1. For international money transfers in foreign currency to or from other overseas accounts, our agent banks may deduct transfer charges.
^2. Foreign cash deposits may be subject to a hold period.
^3. May also be subject to charges imposed by overseas banks.

Cheques/drafts drawn on overseas banks

• Cheques/drafts drawn on overseas banks, which we receive for deposit into foreign currency deposit accounts, are subject to a hold period of 21 business days.
• This period may vary from time to time without notice. At its discretion, ASB may pay interest on the cheque/draft prior to this hold being removed.
• However an exchange rate cannot be quoted on the proceeds of the cheques/drafts during this hold period.
• ASB customers are liable for all costs and charges incurred for a dishonoured foreign cheque/draft, including without limitation, reimbursing immediately to ASB the principal amount, interest, any exchange differences, ASB charges, overseas charges and any other reasonable costs and charges incurred by ASB.
• Available funds are not necessarily cleared funds.
• Accordingly, ASB retains the right to claim back, for an unlimited period of time, all funds paid out on foreign cheques and drafts deposited into foreign currency deposit accounts.

Foreign cheques/drafts sent on collection

• At its discretion, ASB may require foreign cheques/drafts to be sent on collection.
• Collections have a processing period of approximately six weeks.
• The processing bank may make a variable charge, which is beyond our control.
• These drafts do not accrue interest until the proceeds have been confirmed as credited to the nominated ASB account.

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