Fully Drawn Business Loan - Fixed Non-Residential Security Interest Only

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 6.99%, Comparison Rate 0.00%
• Repayment Type: Interest Only
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 0.00%
• Repayment Type: Interest Only
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 0.00%
• Repayment Type: Interest Only
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 0.00%
• Repayment Type: Interest Only
• Loan Purpose:

 Product Features

• Other Additional Information: Repayment term matched to the cash flow of the business

• Redraw Additional Information: Redraw available by arrangement

 Product Eligibility

• Business

 Bank Fees and Charges

• Application Fee (Upfront), Amount: 400.00.

• Monthly Administration Fee (Periodic), Amount: 20.00.

• Loan Finalisation Fee (Exit), Amount: 300.00.

• Default Fee (Event), Amount: 30.00. Additional Information: Will be charged monthly until no longer in default

• Approval Fee (Event), Amount: 100.00.

• Redraw Administration Fee (Event), Amount: 20.00. Additional Information: Once your facility is fully drawn and approval to redraw is given. Not applicable to online redraw

• Consent Fee (Event), Amount: 200.00. Additional Information: Per Consent if required to Consent to the registration of a Land Titles document over the security property to a third party

• Production Fee (Event), Amount: 100.00. Additional Information: If Heritage is required to produce a security document to the State's Land Titles Authority or agency

• Partial Release Fee (Event), Amount: 200.00. Additional Information: $200.00 per security

• Capital Reduction Fee (Event), Amount: 75.00.

• Redocumentation Fee (Event), Amount: 450.00. Additional Information: If you apply to change the specific details of your facility or substitute securities

• Heritage Cheque Fee (Event), Amount: 10.00. Additional Information: For each cheque drawn by Heritage on itself which is issued from your facility

• Telegraphic Transfer Fee (Event), Amount: 30.00. Additional Information: If a telegraphic transfer is made from your facility account via RTGS within Australia

• Rtgs Deposit Fee (Event), Amount: 10.00. Additional Information: If a payment/transfer to your facility account via RTGS occurs

• Transaction Listing Fee (Event), Amount: 5.00. Additional Information: When a transaction listing between two given dates is issued on your facility account. $5.00 per page

• Additional Statement Fee (Event), Amount: 1.00. Additional Information: For the second and each subsequent statement issued during a month, or when a statement is issued on your facility account at your request at any time before the next statement issuing date: $1.00 per statement

• Direct Debit Dishonour Fee (Event), Amount: 10.00. Additional Information: If a direct debit authorised to be made from or to your account is dishonoured.

• Sms Alerts (Event), Amount: 0.25. Additional Information: $0.25 for each SMS Alert delivered by SMS to your mobile phone.

• Overseas Cheque Deposit Fee (Event), Amount: 10.00. Additional Information: If a cheque in foreign currency is deposited to your facility account (note: Heritage does not always accept these deposits)

• Document/record Search Fee (Event), Amount: 12.00. Additional Information: For record searches, traces, supplying copy of details of transactions (including Visa card transaction slips) on your facility account (refunded if fee was charged for transaction-specific information and the transaction was incorrectly debited). $12.00 per item.

• Audit Certificate Fee (Event), Amount: 15.00. Additional Information: $15.00 per certificate

• Heritage On-line Business Internet Banking Security Token Fee (Variable), Amount: 50.00. Additional Information: $50.00 per token each 3 years (including replacement tokens).

• Heritage On-line Business Internet Banking Account Reconciliation (Variable), Amount: 0.05. Additional Information: $0.05 plus GST per entry.

• Cash And Coin Handling Fee (withdrawals) (Variable), Amount: Not Listed.. Additional Information: If a cash withdrawal of over $2,000 is made from your facility account. $1.00 per $1,000 or part of $1,000 exceeding $2,000.

• Cash And Coin Handling Fee (deposits) (Variable), Amount: Not Listed.. Additional Information: If a cash deposit is made to your facility account at a Heritage branch or mini-branch of coins which have not been correctly bagged and counted. 2% of value.

• Break Fee (Variable), Amount: Not Listed.. Additional Information: Calculating the interest amount that Heritage would have received over the remaining fixed rate period of your Loan less the interest amount Heritage will receive on a comparable loan for the remaining fixed rate period at the date the Credit Contract is paid out.

 Limitations & Restrictions (Constraints)

• Min Limit of 20000.00 Additional Information: Preferred minimum amount