VOW vs ZAAP

VOW's new app is the exciting and easy way for you to access your accounts in real time and on-the-go! Smarter features include: • 4-digit login, or TouchID (on compatible devices) for even faster access to your accounts • View the balances of accounts you choose without needing to log in • Real time balances and transaction records for each of your supported Mortgage VOW accounts • Find nearby rediATMs • Immediate payments to BPAY Billers and Funds Transfer payees, or set up someone new from within the app • Easily retrieve account information • Added security with real time notifications whenever a transaction is processed • Temporarily block your credit or debit card, giving you peace of mind if you leave your card behind • Activate and change the PIN for your debit and credit cards inside the app (please note this feature is currently only available for some customers) * For further details about the VOW app, please contact us on 1300 730 050 The app requests the following permissions: • Push notifications: Receive push notifications for transactions and activity on your account. • Location services: Find nearby ATMs

ZAAP - the smart approach to Pocket Money for kids ZAAP is a leading edge digital tool for parents and children. Better than a debit card, it is a Mastercard Pocket Money Card and/or Wearable Payment Band supported by our innovative App. ZAAP is a safe and convenient way for parents to teach their children financial responsibility and good money management skills whilst maintaining control and peace of mind. Received or ordered your ZAAP? Then download the ZAAP App to get started. Haven’t ordered your ZAAP yet? Order today (link to order page) The smart approach to pocket money • Instantly transfer money from parent to child • Safer and more convenient than cash • Maintain control • Can be used anywhere. Take the stress out of giving cash to kids • Know where and how much your child is spending • Much safer than carrying cash • Your child can only spend what is loaded onto the Card • Peace of mind knowing your child can always get transport home • Teach your child financial responsibility and money management skills. Why kids love it • They feel recognised and financially independent • Build good savings habits • They can design their own Card or choose from our card range • No longer need to carry cash • The ZAAP Band is easy to use - and it looks awesome too. • Can’t get into debt. Can only spend what is on the Card Join the happy tribe of ZAAPers today! Please note: You need to have placed your order for ZAAP before you can start using the app. Get ZAAP at www.zaap.com.au