Aware Super vs Owesum

The award winning* Aware Super mobile App is the easiest way for you to check in with your super and Pension - anytime, anywhere. Use the app to: • Set up Touch ID or Face ID for quick secure login • Check your latest super balance • See recent contributions and transactions • Check your insurance cover • Make extra contributions • Check and Switch investment options • Update your contact details • View your latest activities and correspondence • Update your communications preferences • View and action your Advice documents • View and approve adviser initiated transactions • Create a personalised retirement plan If you’re a Retirement Income or Retirement Transition member, you can also: • See your last payment date and next scheduled payment date • View your income details If you’re a former StatePlus member you can also: • View, track and update your Investment Fund accounts • Review your investment allocations • Make deposits and setup payments • Access your joint accounts To use this app, you must be an Aware Super member and be registered for online access. To register visit aware.com.au/register For any queries or feedback about the app, please call our Member Support Team on 1300 650 873 (8.00 am – 7.00pm Monday to Friday AEST/AEDT) or email us at mobile.feedback@aware.com.au To view our privacy policy, visit aware.com.au/privacy *The Aware Super app was awarded Bronze Stevie Award at the 2022 International Business Awards. For information on our awards and ratings, visit aware.com.au/awards

Owesum keeps track of who paid for what and works out who owes whom. Dinner, a weekend away, the shared house shopping, the weekly badminton court hire. Somebody pays, everybody owes a bit, and nobody wants to be the person doing sums at the end. TWO THINGS MOST OF THESE APPS CANNOT DO People who never install it still count. Add someone by name and split with them straight away. They do not need the app, an account, or an email address. When they hand you cash, mark it received. If they install it later, their whole history comes across. It handles clubs, not just trips. A regular session with the same people, per-person rates for members and visitors, money paid up front and drawn down over weeks, and more than one organiser who can record what people have paid. Built with a real badminton club, because none of this fitted an app designed around holidays. NO SIGN-UP Open it and start. The app makes an account for you, so there is no form, no password and no email to verify. Add an email later if you want to get back in on a new phone. SNAP A RECEIPT Point your camera at a receipt and the app reads the total and the shop name using your phone's own document scanner. Receipt photos are read on your phone and are never uploaded anywhere. SPLIT HOWEVER YOU ACTUALLY SPLIT Evenly, by exact amounts, by percentage, or by shares when one person had the steak. Anyone can record a repayment, including the person who is owed, so a debt settled in cash does not sit there for weeks. EVERYONE SEES THE SAME NUMBERS Balances update for the whole group at once, and the app works out the smallest set of payments that clears everybody, so four people owing each other in a circle becomes one transfer instead of six. WHAT IT DOES NOT DO It does not move money. There is no wallet, no card, no bank connection, and no fee. It is a record of money that changed hands somewhere else, which is also why there is nothing to lose if you stop using it. Made in Australia.