Qantas Pay vs HedgeDesk Go

With Qantas Pay, you can earn Qantas Points on your own money at home and overseas. Lock in rates on 16 foreign currencies or load Australian dollars to spend worldwide - anywhere Mastercard® is accepted. Qantas Pay opens up a whole new world of points earning potential. Earn Qantas Points for simply loading your money and spending at home and overseas. • Earn 1 point per AU$1 equivalent loaded in foreign currency. • Earn 1 point per AU$1 spent overseas. • Earn 1 point per AU$4 when using your card at home - plus earn bonus points when spending on Qantas Flights, Marketplace and Wine. Plus, with Qantas Pay you can enjoy no foreign transaction fees and no account fees. Start planning your next adventure and discover how points make it possible with Qantas Pay. Manage your money with the Qantas Pay app • View your balances, transactions, statements and more. • Load funds by bank transfer, BPAY and debit card, or by using Apple Pay. • Hold up to 17 currencies. • Instantly add your Qantas Pay card to your Apple Wallet to shop in-store or online. • Instantly transfer funds between currencies and to other Qantas Pay cards. • Get help locking your card when you need it. • Change your card PIN. • View offers available to you when you use your Qantas Pay card. We take security seriously We take the safety of your data seriously, with advanced processes and systems in place to protect your information. And while logging in is as easy as using Face ID or your fingerprint, there’s extra authentication when you need a little extra peace of mind. Don’t have Qantas Pay? It only takes a few minutes to start enjoying all the great benefits Qantas Pay offers. Download the app and follow the prompts to sign up for free now. Any questions? Visit qantasmoney.com/qantas-pay T&CS apply. See full terms and conditions at www.qantasmoney.com/qantas-pay. Issuer: EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider PDS, FSG and TMD.

HedgeDesk runs a full research desk on your iPhone and iPad. Enter a ticker and six specialist AI analysts go to work: a fundamentals analyst, a technical analyst and a news & sentiment analyst file their reports, a bull and a bear researcher argue the long and short cases, then a portfolio manager weighs the debate and issues a verdict — Long, Short or Avoid — with conviction, entry, stop, target, sizing and the key risks that would break the thesis. It is the workflow of an institutional investment committee, on a device you already own. INSTRUMENT ANALYSIS • Multi-factor long/short research on any equity or ETF • Six-agent analyst team with a documented bull vs bear debate • Portfolio-manager verdict: conviction score, risk to stop, potential gain • Entry, stop, target and position-sizing guidance with the key risks stated COMPANY & VALUATION • Full fundamentals: growth, margins, returns, balance sheet, dividends • Two-stage DCF on earnings or free cash flow, with margin of safety • WACC and cost-of-capital model with a reverse-DCF sanity check • Analyst ratings, consensus targets, earnings surprises, insider activity • Peer comparison by sector and sub-industry, plus solvency and profitability scoring PORTFOLIO MODELLING • Long/short book grouped by sector with live P&L on load • Risk analytics: volatility, Sharpe, Sortino, Calmar, beta, max drawdown • Benchmark and batting stats: alpha vs S&P, information ratio, tracking error, win rate • Allocation models, sector, country and theme exposure wheels • Pair-trade analyzer — build a long/short pair, project targets, track every leg CATALYST SCANNER • Momentum and technical screening with charting • M&A radar for merger, takeover and activist headlines • Superinvestor map — see the names the funds are holding and adding GLOBAL MACRO • World maps for index moves, currencies, inflation and active conflicts • Country dashboards: GDP, inflation, policy rate, unemployment, debt, trade • Multi-agent macro summary of wars, shortages, political shifts and climate risk PLAYBOOK & GROWTH ENGINE • Trade journal and calendar — log the prediction, the idea, the reasons and the outcome • Earnings and IPO calendars for the names you follow • Growth Engine: set a balance and goal, then get position sizing, risk per trade and a coach that keeps you on plan BRING YOUR OWN ENGINE HedgeDesk works out of the box with Apple's on-device model — no account, no API key, nothing to download, and your research never leaves the device. For deeper, more nuanced reports, connect your own Claude, ChatGPT, Gemini or Grok key. Keys are stored in the Keychain and used only to call that provider directly. BACKUP Export your portfolio, playbook, trades and alerts to a single file and save it locally or to any cloud drive — iCloud, Google Drive, Dropbox or Box. Import merges, it never overwrites. FREE AND PRO Instrument Analysis is free to use. HedgeDesk Pro unlocks Company & Valuation, Portfolio Modelling, Catalyst Scanner, Playbook and the Growth Engine. HedgeDesk Pro is available as a monthly or annual auto-renewing subscription. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your Apple Account is charged for renewal within 24 hours of the end of that period. Manage or cancel your subscription in Settings > Apple Account > Subscriptions after purchase. Terms of Use (EULA): https://prodeskapps.com/hedgedesk-terms.html Privacy Policy: https://prodeskapps.com/hedgedesk-privacy.html IMPORTANT HedgeDesk is a research and decision-support tool. Its output is generated analysis for research purposes and is not financial, investment or tax advice, and not a recommendation to buy or sell any security. Market data is provided by third parties and may be delayed or inaccurate. You are solely responsible for your investment decisions.