BT Panorama vs Smarty Bucks

The BT Panorama mobile app provides advisers, practice professionals, and investors with easy access to their accounts via mobile. Signing in to the app is fast and secure with Face ID, 4-digit passcode or fingerprint technology², or you can use your Panorama username and password. For BT Panorama advisers and practice professionals: The mobile app lets you take your business with you, with features including: · View a summary of your total funds under administration, active accounts, net flows and fees from the business overview dashboard · Search client accounts, and view what your clients view including total portfolio balance and performance details · Drill down into market information for shares and managed funds in your clients’ portfolios, for a quick snapshot of the latest prices, asset performance, ESG and key information · Buy, sell and track orders for term deposits, managed funds, managed portfolios and listed securities (where applicable) · View your clients' cash account summaries and make payments to existing accounts on their behalf, where authorised · View messages, consent and service request status, updates, product news and alert notifications · Ask Blue, BT’s virtual assistant or chat to a consultant For BT Panorama investors: Use the mobile app to access your account on the go, with features including: · View your total portfolio balance and performance by investment, which can include any term deposit, listed security, managed fund and managed portfolio investments · Drill down into market information for shares and managed funds in your portfolio for a quick snapshot of the latest prices, asset performance, ESG and key information · Make payments, deposits and schedule transactions, and add linked, payee and BPAY®³ accounts · Trade all investment types and track the progress of investment orders, where authorised · Apply filters to view transaction history and details · View and update personal details, where authorised · View important notices, messages, forms and requests, consent requests and alerts, and access the Benefits Now portal · Review and download your statements, reports and disclosure documents · Ask Blue, BT’s virtual assistant or chat to a consultant For BT super members: BT Super merged into the Mercer Super Trust on 1 April 2023. If you have any queries, contact Mercer Super on 1800 682 525 Mon to Fri 8am – 7pm (AEST) or https://www.mercersuper.com.au/contact-mercer-super/ This app is only available for BT Panorama advisers and BT Panorama investors. For more information: Advisers – call 1300 784 207 Investors – call 1300 881 716 Important: ¹ You must be an investor in Australia resident to use this app. ² Your phone must be able to support this technology. Requires iOS 14 or greater. Westpac Banking Corporation ABN 33 007 457 141 provides the facility for making payments by BPAY®³ and Pay Anyone (excluding payments to linked accounts). Refer to the BT Cash Management Account and BT Cash Management Account Saver and related Payment Services Terms and Conditions, for the terms and conditions applying to this facility. By installing the application, and each time you use the application, you acknowledge and accept the BT Panorama Mobile Application Terms and Conditions, and any amendments to them made available electronically through the BT Panorama Mobile Application. ³ Registered to BPAY® Pty Limited ABN 69 079 137 518

Smart money for smart families! Smarty Bucks helps parents and children manage allowances, chores, savings, and spending in one place - so kids learn real-world money habits while you stay in control. FOR PARENTS • Set up recurring allowances on schedules that work for your family • Assign chores with due dates, priorities and optional payments • Review chore completions and approve or extend deadlines • Approve or decline spending requests before money goes out • Add rewards for great behaviour and fines when rules are broken • Record cash or card spending so balances match real life • See every child at a glance on your family dashboard • Invite a second parent to share the same family account • Get push alerts for chores, spending and activity that needs attention • Receive weekly summary reports you can open anytime in the app • Export payment and chore history to CSV for your records FOR KIDS • Can be managed in Parents account, or set up their own (email required) • See their balance and recent activity clearly • Complete chores and track what’s due • Request spending and learn to plan purchases • Save toward goals and watch progress grow • Understand where their money goes with transaction history BUILT FOR REAL FAMILIES Smarty Bucks is designed for everyday use: practical tools, clear balances and workflows that mirror how families actually handle pocket money - not a toy bank app. Parents manage the household. Kids get age-appropriate visibility into their money. Everyone stays aligned. Settings include family preferences, notifications, security and privacy controls plus data export when you need it. Developed by Apps by Dad - software that is useful, honest and respectful of your time and data. Questions or feedback? admin@appsbydad.com Terms of Use (EULA): https://appsbydad.com/apps/smarty-bucks/terms-of-service.html Privacy Policy: https://appsbydad.com/apps/smarty-bucks/privacy-policy.html