VOW vs IPEX

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

IPEX is Australia’s secure payments platform built for the construction industry. We help builders, subcontractors, suppliers and developers manage project payments with complete transparency and financial protection. With IPEX, every payment flows through a dedicated project account, ensuring funds are safeguarded and paid only to verified parties. This gives Developers the confidence to run projects smoothly, and gives subcontractors certainty that they’ll get paid. The IPEX mobile app lets you easily: • View and track all project payments in real time • Manage payment approvals • Receive notifications on payments & retention balances • Keep a clear audit trail for every transaction Whether you're paying or getting paid, IPEX brings trust, visibility and security to every stage of the construction payment process.