Document ID: chunk:federal_register_of_legislation:F2024L00434:body:0:p40
Version: federal_register_of_legislation:F2024L00434
Segment Type: other
Provision Reference: 
Character Range: 147862–153210

all fees charged on deposit accounts (including break fees and exception fees charged) other than account servicing fees charged and transaction fees charged.

                                                  It includes:

                                                       * break fees charged;
                                                       * exception fees charged;
                                                       * stopped payment fees;
                                                       * duplicate statement and card replacement fees;
                                                       * transaction verification fees;
                                                       * bank cheque replacement and repurchase fees;
                                                       * deposit book fees;
                                                       * international cheque and money transfer fees; and
                                                       * charges for travellers' cheques and foreign currency transactions associated with a deposit account, including the foreign currency fee on cash withdrawals (exclude the withdrawal fees charged.  Report these as transaction fees charged).

Other fees charged                                Means all banking-related fees charged other than fees charged associated with deposits, loans, finance leases, and merchant fees charged.

                                                  It includes:

                                                       * export collection fees;
                                                       * fees from international telegraphic transfers and foreign currency drafts from customers without a deposit or loan account;
                                                       * guarantees;
                                                       * fees for the transmission of deed or documents for inspection, delivery or execution;
                                                       * safe custody and special clearances;
                                                       * short-term money-market transaction fees;
                                                       * coin and note handling services;
                                                       * fees from the supply of certificates;
                                                       * fees for legal, payroll and search services;
                                                       * charges for travellers' cheques or foreign currency purchased with cash, or with credit cards issued by another institution;
                                                       * fees for custodial and night safe services; and
                                                       * fees for legal and service services.

                                                  It excludes:

                                                       * government taxes;
                                                       * fees associated with insurance operations or funds management;
                                                       * package fees. Include these with the product (deposit account or loan) that they most relate to; and
                                                       * charges imposed by the group treasury, such as costs charged to the business unit by treasury from termination swaps (i.e. do not report net fee income).

Other intangible assets                           Refers to items such as trademarks, company brand, customer databases, licenses, patents and goodwill.

Other loan and finance lease fees charged         Means all fees related to loans and finance other than account servicing fees charged and transaction fees charged.

                                                  It includes:

                                                       * break fees charged;
                                                       * exception fees charged;
                                                       * prepayment fees and repayment holiday fees;
                                                       * early repayment fees;
                                                       * switching fees; and
                                                       * reference fees.

Other margin loans                                Means any margin loans that are not standard margin loans or protected margin loans.

Other non-residential buildings                   Means any non-residential buildings (or parts of such buildings) that are not shops, offices or industrial buildings.
                                                  It includes: hotels and buildings for educational, religious, health, entertainment and recreational purposes.

Other non-transaction deposits                    Means all customers' non-transaction deposits that are not fixed-term deposits.

Other outsourced information technology services  Represents information technology related services purchased from external services providers.

                                                  It includes:

                                                       * outsourced information technology equipment installation costs;
                                                       * outsourced data processing services.