myRAMS vs Bank First App

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.

Features include: • Quick and secure access with a PIN, pattern, Touch ID or Face ID. • Transfer money instantly using Osko. • Make one-off or set up recurring payments and pay bills via BPAY. • Manage your payees and two-to-sign payments. • Manage your daily transfer limits across Osko, BPAY and external transfers. • Share your bank account details and let others know you’ve paid them via SMS or email. • View interest rates for your savings, term deposit and loan accounts. • Update your contact details. • Manage your finances and settings via the profile menu. • Create nicknames for all your accounts. • Let us know if you’re travelling overseas. • Set a savings goal and track your progress. • See full transaction history (up to 18 months). • Set a quick balance for your favourite account which can be viewed before logging in. • View all our latest product information. • Access tools and calculators to help you manage your money. • Customise your home screen. • Manage your card for Australian and/or international transactions. • Change the PIN on your Bank First cards. • Lock, unlock your Bank First card and order a replacement. • Replace lost or stolen cards directly from the app. Things you should know: • This app is available for Bank First Members only. • Mobile data downloading or internet usage charges may apply, check with your internet service providers or your mobile phone service provider. • Whilst we endeavour to, the app is not compatible with all devices and operating systems. • To view our full terms and conditions visit bankfirst.com.au/help/internet-banking-terms-and-conditions 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.