Terms and Conditions

Products are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879. The information above is general information only and you should consider the Terms and Conditions / Product Disclosure Statements available from www.bendigobank.com.au before making any investment decision. Terms, conditions, fees and charges apply. All information is correct as at 31/03/2017 and is subject to change. Full details available on application. Lending criteria apply. The Bank reserves the right to withdraw privileges or vary the eligibility criteria at its discretion. Shareholder Privileges are available to customers holding one or more fully paid ordinary shares or preference shares with the Bank. Benefits are available to the shareholder only and are not transferable or available in conjunction with any other offer. Privileges can be redeemed at most branches of Bendigo Bank, or, in the case of the Margin Lending, by contacting Leveraged on 1300 307 807. All of the offers listed are valid until 31 March 2018. Further information is available from Customer Advocate Office on 1300 263 344. Bendigo Term Deposits are issued by the Bank. House and Contents, Travel, Car, Boat and Caravan Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Authorised by CGU to distribute its products, the Bank receives a commission based on a proportion of your insurance premium. This is included in the amount that you pay for the product. Financial planning services are provided by Bendigo Financial Planning Limited ABN 81 087 585 073, AFSL 237898, a subsidiary of the Bank. Agribusiness products are issued by Rural Finance (a division of the Bank) and Rural Bank Limited, ABN 74 083 938 416, AFSL/Australian Credit Licence 238042 and distributed by the Bank. Lending criteria applies. The Bank receives a commission for loan products from Rural Bank. Sandhurst Trustees Limited (Sandhurst) ABN 16 004 030 737 AFSL 237906 is the trustee and issuer of Bendigo SmartStart Super™ ABN 57 526 653 420. Sandhurst receives remuneration on the issue of the product or service they provide.

1Variable Rate discounts are off of the Residential Variable Rate for owner occupied lending. Fixed rate discounts are off of the full carded fixed rate. The interest rate discount for the Bendigo Connect Home Loans assumes at least 3 eligible products are held. The Bendigo Connect Package Home Loan interest rates are made up of the applicable interest rate depending on aggregate lending, minus a discount of 0.10% per eligible product held for variable loans (up to a maximum of 0.30% off the applicable tiered rate) and 0.05% per eligible product for fixed (up to a maximum of 0.15%). All rates are available from every Bendigo Branch and the Bendigo Bank website www.bendigobank. com.au

2Rewards points - Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions, or call 1300 236 344.

3Platinum Rewards insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). Qantas Platinum and Low Rate Platinum insurances are issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708) to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No. 237879. Bendigo Bank doesn’t guarantee any of the benefits provided under the insurance cover. Terms and conditions, limits and exclusions apply and are available at www.bendigobank.com.au

4Qantas Points - To earn Qantas Points with Qantas Platinum Mastercard you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program, which can be found at Qantas.com/terms. A joining fee may apply. Qantas Points are earned on eligible transactions at the applicable conversion rate of 0.6 Qantas Points per dollar, are transferred monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions or call 1300 236 344. Ineligible transactions are, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office, cash equivalent transactions, business transactions, balance transfers, and transactions for gambling or gaming purposes, any fee or charge, including any government charges or duties, interest and finance charges payable or paid on your credit card, transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your credit card and payments and  purchases which are refunded or reimbursed.

5 Bendigo Bank account is required to obtain this privilege. Please refer to the Bendigo Bank Schedule of Fees, Charges and Transaction Account Rebates for full details of fees and charges.

6 A Bendigo Bank account is required to obtain this privilege. This discount applies only to the fee component charged by Bendigo Bank for issuing Bank Drafts and Telegraphic Transfers. This discount is not to be used to obtain concessions in relation to services provided to companies or trusts.

7 Please refer to the Bendigo Bank Schedule of Fees, Charges and Transaction Account Rebates (personal customers) or Business Fees and Charges (business customers) for full details of fees and charges. Bendigo Invest Direct will review the BENSHA accounts at the beginning of each month to confirm eligibility. If there is no registered holding of at least 1 share, the discount will be removed and the customer will need to contact Bendigo Invest Direct to reapply the discount code if they reinstate their shareholding (A1104444) (10/17).