NPBS Banking vs Your Banking

Smart tech. serious capability. - Eligible new customers can now join and open an account directly in the app. - You can now complete your ID verification process in the app with just a quick selfie. Manage your money anywhere, anytime. - Open an account online in minutes - Know when you’re paid with push notifications - Check your accounts at a glance with Quick Balance - See where your money is going with our detailed transaction listing - Rename and reorder your accounts to suit your style - Easily view your statements and interest advice to make tax time a breeze - Ongoing accessibility enhancements for users with a vision impairment - Make payments in seconds using Osko® - Transfer between your accounts and make payments with BPAY® or Pay Anyone - Set up future dated or recurring payments - Upload your eligible cards to digital wallet and enjoy the convenience of Apple Pay™ - Create a PayID to make receiving money even easier - Manage your repayments for eligible home loans. Smarter tech. Safer you. - Scam awareness prompts for new payments - Disable access to your app and internet banking directly in the app if you suspect unusual activity. - Log on securely using your Face ID or passcode - Change your passcode - Manage your payment limits - Choose or change your card PIN - Report lost or stolen cards - Update your contact details - Manage your profile on other devices - Send and receive secure mail. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. PayID is a registered trademark of NPP Australia Limited. Apple, Apple Pay, Face ID and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. For a list of compatible Apple Pay devices, see Devices compatible with Apple Pay – Apple Support (AU). Cashcards and Business+ Credit Cards are not eligible for Apple Pay. Normal data, messaging and call charges apply. Account terms, conditions, fees, charges and credit criteria apply. This information has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on this information, you should consider its appropriateness having regard to these matters and the product Terms and Conditions, available on request from any branch, newcastlepermanent.com.au/terms, or by calling 13 19 87. Your use of the app is subject to your agreement with the Banking App Terms and End User Licence Agreement for Apple Devices. Important information about our accounts: - Smart Saver Accounts (including Under 25s): Standard interest is paid monthly on positive balances. Bonus interest is applied in tiers, meaning different rates apply to different portions of the balance. To receive bonus interest, you must grow your balance (excluding interest) over the month and make no more than 2 withdrawals within the month. No bonus interest is paid in the month the account is closed. Smart Saver Under 25s:All account holders must be under 25 years of age on the first day of the month to be eligible. - Online Savings Account: The Introductory Bonus Rate applies for the first 3 months from account opening, on top of the Standard Rate. After this period, the Standard Rate only applies. The Introductory Bonus Rate is available if no account owners have been eligible to receive the Introductory Bonus Rate on another Online Savings Account in the previous 6-months. To earn interest (including any Introductory Bonus Rate), all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent. - Term Deposit: 31 day notice period and interest rate reduction apply to early withdrawals from Term Deposits opened or last renewed on or after 23 February 2026. - Interest rates: Interest rates are subject to change without prior notice. You can see our current interest rates at newcastlepermanent.com.au/rates. ©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 | AFSL /Australian Credit Licence 238273

Welcome to Your Banking, by Regional Australia Bank. We’ve designed the Your Banking App to make your life easier. Manage your finances on the go and stay on top of everything in a snap. And since its so easy to use, you won’t have any trouble using it daily. All the things you’d expect from our secure banking app • Check your balance and get a quick balance • Make fast instant payments or schedule them for the future • Save your regular payees and billers • Share or save your payment receipts • Personalise your accounts with nicknaming and reordering • Set up savings goals and track your progress • Manage your daily payment limits Log in effortlessly and securely • Choose from either PIN, pattern or Touch ID and Face ID to log in • See when you last logged in for peace of mind Make payments on the move • Transfer between your own accounts • Instantly transfer to any Australian bank account with Osko • Pay bills with BPAY payments • Use your saved payees and billers for secure and straightforward transfers • Schedule and manage recurring and future-dated payments • Transfer from your loan accounts using our redraw facilities • Approve payments from accounts that have multiple signatories Get all info on all your accounts • Use ‘Quick Balance’ to view your account balance without logging in • View your account details and transaction history • View interest rates for your Savings, Term Deposit and Loan accounts directly in the App • Share or save transaction receipts • Add and delete new payees and billers directly on your phone • View interest charged and earned during the financial year Manage your cards • Put a temporary lock on your lost or stolen card • Activate your new card • Add your card to Apple Wallet • Set a new PIN on your cards • Order replacement cards if your card gets damaged Manage your daily payment limits • View and increase your daily payment limits for each payment type directly in the App • Increase your limit when you need to make a larger payment, then lower it again once you’re done • Make changes anytime, without needing to call or visit a branch Need Help? • Take the inbuilt app tour and discover all you need to know • Request a call from one of our experienced staff • Easily contact us or view our branch details and opening hours • If you’re not already registered with Internet Banking, contact us at 132 067 today Facebook: www.facebook.com/RegionalAustraliaBank X: https://x.com/RegionalAusBank Email: enquiries@regionalaustraliabank.com.au 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.