Access Savings

A low-balance everyday account giving you quick, easy access to money for everyday transactions.

Features  Open online in minutes  Transfer to another account with Greater or another financial institution  Pay someone using BSB and account number  Pay someone using PayID*  Pay someone using BPAY  Pay someone straight away  Schedule a payment  Choose to have a Greater Bank Visa Debit card  Pay using Apple Pay (available August 2021) or Google PayTM  Access your money via an ATM  Make transactions via contactless or an online transaction.

How we apply interest Interest is calculated daily. We calculate interest by applying the daily percentage rate to the different portions of your daily balance based on the relevant tiers.

Interest you earn is paid into your account every six months on the 30 June and 31 December.

Interest rates are variable and may be changed at any time.

Find the latest interest rates at https://www.greater.com.au/help/interest-rates

Eligibility You must:  be an existing Greater Bank customer and have agreed to participate in the terms of the pilot  be an existing Greater Bank employee  be in Australia and maintain an Australian residential address  hold a NSW driver licence, passport, or Medicare card to verify your identity and residential address. Using your account Access all transactions on your account via online banking using your phone or computer.

We will issue you a record of your transactions at the end of the pilot.

You may pay for something, but not see the transaction in your account that day. This may be because the transaction is still being processed, or, you made it on a non-business day. This may impact your interest calculations.

MA-4083_07/21 PB4 1 Your account will be closed when the pilot ends.

Moving money and transaction limits

In Out

 Online and mobile banking  Online and mobile banking  From a Greater Bank account  Visa Debit card  Direct credit (via BSB and Account Number)  ATM Access  Automatic payments (direct debits, schedule payments)  BPAY  Osko by BPAY  Apple Pay or Google PayTM  Using a third party i.e. another financial institution

Transaction limits The aggregate value of transactions in a day must not exceed $5,000. Fees and charges No transaction fees, service or government charges or third-party fees and charges apply in the pilot.

Opening an account To open an account, you must read and accept the terms and conditions covered in the following:  Banking General Terms and Conditions (available at www.greater.com.au/termsandconditions)  This Access Savings Product Schedule  The Private Beta 4 Participation Agreement. NB: you must also meet the eligibility requirements for this product

Terms and conditions This product schedule specifies the terms and conditions for the Access Savings Account and the use of payment facilities available. This schedule does not contain all the terms and conditions that apply to this account and/or the use of payment facilities. You’ll also need to read other documents to understand all the terms and conditions that apply, including the Banking General Terms and Conditions and current interest rates on accounts which make up the terms and conditions for this account and its payment facilities. You agree that by opening an account with us you will be bound by these terms and conditions and the terms and conditions of those other documents. If there is an inconsistency with the terms and conditions, the Product Schedule prevails to the extent of the inconsistency, unless it relates to a payment facility in which case the Banking General Terms and Conditions prevails to the extent of the inconsistency. We may change the terms and conditions to this account and/or the use of payment facilities at any time as described in the Banking General Terms and Conditions.

MA-4083_ V2_03/21 PB4 2 Get in touch Call our Model Office team: 02 4921 9344 between Monday - Friday 9:00 am – 4:30 pm.

*Pay ID is administered by NPP Australia Limited. ABN 68 601 428 737. Osko® and Osko by BPAY® are registered to BPAY Pty Ltd ABN 69 079 137 518. +Apple, the Apple logo, Apple Watch, Apple Pay, Face ID, iPhone, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Android and Google Pay are trademarks of Google LLC.

Head Office: 103 Tudor Street Hamilton NSW 2303 PO Box 173 Hamilton NSW 2303 T 13 13 86 F 02 4921 9112 Greater Bank Limited ABN 88 087 651 956 AFSL/Australian Credit Licence No. 237476

MA-4083_ V2_03/21 PB4 3