myRAMS vs Unity Bank

myRAMS Mobile Banking is designed to give customers an easy to use, intuitive and secure environment. • It’s faster, simpler and more consistent. • Separate BPAY and Payee limits • Intuitive design means simpler, faster access to key functions • Check account balances, transactions, account details • Schedule and manage payments, including BPAY® • Move money between accounts, Payee or Biller. • Quick logon - use your fingerprint, Face id or 4-digit PIN to logon. • Manage your settings Information is current at the time of download and subject to change. Terms, conditions and eligibility criteria, fees and charges apply. Pepper Money Limited ABN 55 094 317 665 AFSL and Australian Credit Licence 286655 is the servicer of home loans owned by Pepper Finance Corporation Limited ABN 51 094 317 647. For RAMS loans and RAMS deposit accounts closed on or before 31 July 2026: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Pepper Money Limited also services these accounts. Pepper Money Limited and its subsidiaries use the RAMS trademarks and brands under licence from RAMS Financial Group Pty Ltd. BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Use your compatible device to conveniently check your accounts, pay a bill, transfer funds or make and receive real-time payments using PayID or Osko. Key Features: • Real-time payments – Faster, simpler and easier • Pay the right person using a PayID which can be as simple as their mobile phone number or email address • Smarter payments – 280 characters to better describe your payment including who and why • Online update feature means you will always have access to the latest information • Manage your daily transaction limits • Manage card options including lock/unlock cards and PIN change • Quick and secure access • Pay bills with BPAY® • Check account balances • Transfer funds between your own accounts and to external accounts • View recent transaction history • Set a savings goal and track your progress Registration is easy. Your money and personal details are secure and can only be accessed with your PIN, pattern or biometrics. Visit www.unity.bank/mobileapp for more information. Things you should know: Unity Bank and the Unity Bank logo are trademarks Unity Limited. All other trademarks are the property of their respective owners. There is no licence fee for the Unity Bank Mobile App. We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.