Bank First App vs ANZ Transactive

Features include: • Quick and secure access with a PIN, pattern, Touch ID or Face ID. • Transfer money instantly using Osko. • Make one-off or set up recurring payments and pay bills via BPAY. • Manage your payees and two-to-sign payments. • Manage your daily transfer limits across Osko, BPAY and external transfers. • Share your bank account details and let others know you’ve paid them via SMS or email. • View interest rates for your savings, term deposit and loan accounts. • Update your contact details. • Manage your finances and settings via the profile menu. • Create nicknames for all your accounts. • Let us know if you’re travelling overseas. • Set a savings goal and track your progress. • See full transaction history (up to 18 months). • Set a quick balance for your favourite account which can be viewed before logging in. • View all our latest product information. • Access tools and calculators to help you manage your money. • Customise your home screen. • Manage your card for Australian and/or international transactions. • Change the PIN on your Bank First cards. • Lock, unlock your Bank First card and order a replacement. • Replace lost or stolen cards directly from the app. Things you should know: • This app is available for Bank First Members only. • Mobile data downloading or internet usage charges may apply, check with your internet service providers or your mobile phone service provider. • Whilst we endeavour to, the app is not compatible with all devices and operating systems. • To view our full terms and conditions visit bankfirst.com.au/help/internet-banking-terms-and-conditions We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.

The ANZ Transactive – Global mobile app is a corporate mobile banking solution allowing clients access to the payments and trade functionality within ANZ Transactive – Global. The Mobile app offers a simple, convenient and secure mobile banking experience, allowing greater visibility and control of your core cash management and trade activities across Australia, New Zealand and parts of Asia and the Pacific. Compatible with iPhone* and iPad* mobile digital devices, ANZ Transactive – Global provides a range of features: • Utilise the same security credentials and permissions as your web-based ANZ Transactive – Global solution • Transact securely with multi-factor authentication technology combined with lock-out and time-out safeguards • View real-time account balances • View current and prior day account transactions • View Transaction details (Payments/Receivables), including funding and beneficiary/payer details, amounts, value date and audit history • View Loan facilities, including loan summary details, interest cycles and fees • View Commercial Cards, including Billing Entity details, Card/Transaction details • Approve and reject transactions (Payments/Receivables/Trade Instruments) • Obtain a dynamic FX rate for cross currency payments • View the status of Payments (including International Payment Tracking), Receivables and Trade transactions for up to 30 days • Use biometric technology to access the app via Touch/Face ID for iOS • For Australia User that requires operator assistance, user can be digitally identified and verified through ‘Contact Us’ feature ANZ Transactive - Global is provided in Australia, New Zealand, Cook Islands, Fiji, Hong Kong, India, Indonesia, Japan, Kiribati, Laos, Papua New Guinea, Philippines, Samoa, Singapore, Solomon Islands, Timor Leste, Tonga, United Kingdom, United States, Vanuatu and Vietnam by Australia and New Zealand Banking Group Limited (ACN 005 357 522) (“ANZ”) and not Apple Inc. Some product features may not be available in all countries * iPhone and iPad is a trademark of Apple Inc.