ZAAP vs Earnr

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

Built by former ANZ Bank executives. Savers, Retirees, SMSFs, Trusts, Businesses: 1. Open an Earnr Account in 2-7 minutes 2. Get started with Earnr Yield from $5,000 3. Earn higher interest, paid monthly - Earn up to 6.00% p.a secured over 2x by Cash & Australian Property - No hidden signup or account fees - Bank grade security CUSTOMER SUPPORT You can contact our support team by sending an email to support@earnr.com.au or calling our Sydney office on 1300 332 062. IMPORTANT INFORMATION “Earnr” is a registered trademark of Earnr Holdings Pty Ltd. The Earnr App is operated by Earnr Australia Pty Ltd – Authorised Representative of AFSL 224107. A Product Disclosure Statement (PDS) and Target Market Determination is available on the Earnr website. All information provided is general information only. It does not purport to be complete, nor does it take into account your particular circumstances, investment objectives, financial situation or needs, and is not intended to constitute investment, legal or taxation advice. Accordingly, it should not be relied upon as a substitute for detailed financial advice or used as a basis for making investment or other decisions. Before making any decisions, taking any action or refraining from taking any action, you should consider whether this information is appropriate to your objectives, circumstances, financial situations and needs. Earnr recommends you seek independent professional advice. Earnr Yield ARSN 651 645 715 is an ASIC registered Australian fund offering different investment products. The investment products are not bank deposits, and like all investments, are subject to risks which are set out in the product disclosure statement for the Earnr Yield dated 14 October 2021, a copy of which is available on https://beta.earnr.com.au or https://www.earnr.com.au.