Beem vs Future Super

A digital wallet that does more than store. With Beem you can pay, request, transfer and split money – plus earn rewards and keep your loyalty and gift cards – all in one place. It’s easy, secure and free to download. ---------------- One wallet. Many possibilities. Say goodbye to the bulky, chuck in your bag retro wallet, and say hello to a shiny, new, all-in-one app that does more than store cards. Pay people. Not accounts. We facilitate payments, but we’re not a bank. Beem syncs up to your contacts, so you flick it over, divvy it up or call it in with anyone in your network. No bank details needed. Split the bill. Not friendships. Track and split expenses between mates without any chasing or awkward convos. You can even create multiple groups for friends, family or workmates. Just enter the amount, we calculate who-owes-what, and everyone settles up. Quick, easy, and all in the app. Get cashback. When you spend. Unlock more value with online and in-store offers via Beem Rewards. Shop in-person with your linked cards or online via the app and watch your savings grow. BPAY® on Beem. Easy as. Master your bills in moments. With BPAY built-in, you know where your money is going and when it’s going to land. Maximise loyalty. Store in one place. Time to declutter all the plastic, punch cards and apps. Beem digitalises all your loyalty cards together in one place. Less risk. More reward. Do you know what present everyone really loves? Choice. Buy and send a personalised gift card from your wallet to theirs. ---------------- The fine print Digital Wallet Pty Ltd ABN 93 624 272 475 (Digital Wallet) AFSL 515270 is the issuer and provider of the Beem facility. Before downloading the app, please consider the Product Disclosure Statement and Terms and Conditions, available at beem.com.au. References to 'Beem' or 'Beem It' are used interchangeably. Any financial product advice, incidental or expressly, provided by Digital Wallet is general advice only. This advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider if Beem is appropriate for your circumstances. To make or receive a payment through Beem, a valid Visa or Mastercard debit card attached to an Australian bank account is required. T&Cs apply. Beem Rewards and Beembucks have no monetary value. Any value assigned and any redemption is at the sole discretion of Digital Wallet. You have no entitlement to Beem Rewards and Beembucks until Digital Wallet has notified you that Beem Rewards have a value, you have accumulated more than AUD$10 in Beembucks notified value and you have requested redemption. Please read the PDS and T&Cs, Privacy Policy and Beem Rewards T&Cs.

Future Super is sustainable super, built for the future. We started a movement of people doing something different with their super: investing in the kind of future they want to retire into. Get easy access to your account with the Future Super App. Your super could be one of your biggest investments, and you deserve to see what it's up to. The Future Super app puts your important information in your pocket, so you can check in anytime, anywhere. Transparency isn't a buzzword to us. It's how you stay in the driver's seat. You must be a Future Super member to login to the app. To join in minutes, visit our website: www.futuresuper.com.au. Sustainable super in your pocket: - Stay on top of your super — check your balance and see your transaction history anytime. - See your money in action — discover stories about where your super is invested and the world it’s helping to create. - Book time with a coach — get clear, jargon-free guidance from real humans to help you make confident decisions about what to do next with your super. - Keep your super details close — access your important member information when you need it. - Get in quickly and securely — use biometrics for simple, secure access to your account. DISCLAIMERS All information is general in nature and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is appropriate for you, please read the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at futuresuper.com.au, and consider speaking with a Future Super Coach or a financial adviser. 360Health virtual services are provided by Teladoc Health Australasia Pty Ltd (ACN 147 387 666). It is intended to provide general health information and advice. Learn more at futuresuper.com.au/360health. Published by Future Super Services Pty Ltd ABN 88 652 577 930 AFS Representative No. 001312077, which is a Corporate Authorised Representative of Future Group Financial Services Pty Ltd ABN 90 167 800 580 AFSL 482684, as the Promoter of the Future Super product in the Smart Future Trust ABN 68 964 712 340 (the Fund). Any intra-fund advice is provided by or on behalf of Future Group Financial Services Pty Ltd. The trustee of the Fund is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. Mmm YYYY.