Savings and Transaction Accounts Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Electronic Transactor Company Product ««««« 'Outstanding Value' ASB Bank NZ Streamline Account

BNZ YouMoney

Westpac NZ Airpoints Dbt Mastercard-Everyday

«««« ANZ Bank Freedom

ANZ Bank Go Account

Kiwibank NZ Free Up

Westpac NZ Everyday

««« ANZ Bank Select

ASB Bank NZ Omni Account

ASB Bank NZ Unlimited

BNZ Total Money

Kiwibank NZ Front Runner

Kiwibank NZ Now Acct-Flat Fee Option

NZCU Baywide Everyday

SBS Bank NZ Classic Account

The Co-operative Bank Current Account

The Co-operative Bank Smile on Call

TSB Bank Premier Cheque Account

«« Everyday Account

Kiwibank NZ Now Account

Report Date: July, 2020 Savings and Transaction Accounts Star Ratings 2020 - Page 1

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. Savings and Transaction Accounts Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Full Service Transactor Company Product ««««« 'Outstanding Value' ANZ Bank Freedom

BNZ YouMoney

Westpac NZ Airpoints Dbt Mastercard-Everyday

«««« ANZ Bank Go Account

ASB Bank NZ Streamline Account

Kiwibank NZ Free Up

SBS Bank NZ Classic Account

Westpac NZ Everyday

««« ANZ Bank Select

ASB Bank NZ Omni Account

ASB Bank NZ Unlimited

BNZ Total Money

Kiwibank NZ Now Acct-Flat Fee Option

NZCU Baywide Everyday

TSB Bank Premier Cheque Account

«« Kiwibank NZ Now Account

The Co-operative Bank Current Account

The Co-operative Bank Smile on Call

« Kiwibank NZ Front Runner

Report Date: July, 2020 Savings and Transaction Accounts Star Ratings 2020 - Page 2

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. Savings and Transaction Accounts Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Regular Saver Company Product ««««« 'Outstanding Value' Heartland Bank Direct Call Account

Heartland Bank YouChoose

Rabobank New Zealand PremiumSaver

«««« ASB Bank NZ Savings Plus

BNZ Rapid Save

NZCU Baywide Online Saver

««« ANZ Bank Serious Saver

Heartland Bank Saver

Heartland Bank Savings Optimiser

Kiwibank NZ Fast Forward Saver

Kiwibank NZ Online Call

SBS Bank NZ Incentive Saver

The Co-operative Bank Step Saver

TSB Bank Horizon Account

TSB Bank Websaver Account

Westpac NZ Westpac Bonus Saver

«« NZCU Baywide Success Saver

Rabobank New Zealand RaboSaver

Report Date: July, 2020 Savings and Transaction Accounts Star Ratings 2020 - Page 3

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. Savings and Transaction Accounts Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Flexible Saver Company Product ««««« 'Outstanding Value' Heartland Bank Direct Call Account

Heartland Bank YouChoose

NZCU Baywide Online Saver

«««« Heartland Bank Saver

Heartland Bank Savings Optimiser

TSB Bank Horizon Account

TSB Bank Websaver Account

««« ANZ Bank Online Account

ANZ Bank Select

ANZ Bank Serious Saver

ASB Bank NZ Fastsaver

ASB Bank NZ Savings On-Call

ASB Bank NZ Savings Plus

BNZ Personal On Call

Kiwibank NZ Back-Up Saver

Kiwibank NZ Fast Forward Saver

Kiwibank NZ Front Runner

Kiwibank NZ Online Call

Rabobank New Zealand PremiumSaver

Rabobank New Zealand RaboSaver

SBS Bank NZ Call Accounts

SBS Bank NZ Incentive Saver

SBS Bank NZ i-save

The Co-operative Bank Online Account

The Co-operative Bank Smile on Call

The Co-operative Bank Step Saver

TSB Bank Premier Cheque Account

Westpac NZ Westpac Bonus Saver

Report Date: July, 2020 Savings and Transaction Accounts Star Ratings 2020 - Page 4

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. Savings and Transaction Accounts Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Flexible Saver Company Product «« BNZ Rapid Save

Westpac NZ Simple Saver

« NZCU Baywide Success Saver

Report Date: July, 2020 Savings and Transaction Accounts Star Ratings 2020 - Page 5

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.