Latitude App vs UnLock

Latitude’s mobile app brings all your finances together in one place. We’re always listening to your feedback and building the app around what matters to you. Credit card features currently include: • Access accounts with Touch ID or Face ID • Add your card to your Apple wallet • Temporarily lock your card • Fast access to all balances • View your statements • Check payment due date • View all transaction information • View and change personal details • Activate your new card • Set or change card PIN • Set up direct debit (Australia only) • Pay by bank transfer (Australia only) • Request a refund (Australia only) • Request a letter • Request account closure • Create a balance transfer • Receive push notifications • Track your spending • Split your credit limit (eligible customers only) • Add an additional card holder • Click to pay Other app features: • View our latest promotions • In app messaging • Receive digital letters • Enhanced secure login • Enhanced homepage • Spend Tracker (Latitude 28 Degrees Global Platinum Mastercard - New customers only) • Rewards with offers, discounts and perks You can view all the products below from your Latitude App: Australia products: • Latitude Gem Visa • Latitude GO Mastercard & GO Platinum Mastercard • Apple Financial Services (AFS) CreditLine • Latitude 28 Degrees Global Platinum Mastercard • Latitude Low Rate Mastercard • Latitude Infinity Rewards Visa • David Jones Premiere, Prestige and Icon Mastercard • Latitude Eco Mastercard • Latitude Mastercard • Care Credit • CreditLine • Buyer's Edge Gem Finance New Zealand products: • Gem Visa • Gem Essentials • Gem CreditLine

UnLock. Trade on your own terms. Doing business? Buy now, pay later. If you have trade accounts with suppliers, they usually come with strings attached: • paying on their terms • being ‘locked-in’ with these suppliers • paying invoices from multiple suppliers is an admin headache. With UnLock you can: * Pay when you want to – say goodbye to ‘payable within 30 days’. You decide your own payment terms. * Choose from a huge range of suppliers – buy in-store or online from any supplier that accepts Mastercard. It’s like having a trade account with everyone. * One payment pays all your bills – when using the UnLock Mastercard, pay all your suppliers with just one monthly payment; quick and easy. * Everything in one account - no matter how many of your staff are buying things, you pay for all the purchases from one account; managing your books is easy. * Pay only for what you use - no monthly fees, no application fees, no annual fees. You only pay a transaction fee if you make a transaction.