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

«««««

86 400 Save Account AMP Saver Account BOQ Fast Track Saver CUA eSaver Reward Online Saver Macquarie Bank Savings Account ME Online Savings Account MOVE Bank Express Saver MOVE Home Saver Club Account UBank USave Savings Bonus Up Savers VOLT Save Account

««««

Arab Online Savings Account Personal Australian Unity Easy Saver Australian Unity Freedom Saver Online Saver Bank of Sydney BOS Saver Beyond Bank monEsaver Internet Account Citi Global Currency Account Citi Online Saver CUA eSaver Flexi Delphi Bank Midas Account Geelong Bank iSaver iSave nabtrade High Interest Account Qsaver Queensland Country Bank Online Saver Australia High Interest Savings Account RACQ Bank eSave Online Savings Account UniBank Online Savings Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - 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.

Flexible Saver

Company Product

«««

AMP Bank Bett3r Save AMP Bank Cash Manager ANZ Online Saver ANZ Premium Cash Management Account Australian Military Bank Cash Management Australian Military Bank Online Saver Australian Military Bank Star Saver Direct Australian Unity Active Saver Bank First Cash Management Account S10 Bank First Online Saver Incentive Saver Account Bank of Melbourne Maxi Saver Bank of us Save Up BankSA Incentive Saver Account BankSA Maxi Saver BankVic EasyinvestOnline Savings TeleNet Saver Bendigo Bank CommunitySaver Account Bendigo Bank EasySaver Beyond Bank Community Reward Account BOQ Fast Track Starter (14-24) BOQ WebSavings Account GoalSaver Commonwealth Bank NetBank Saver Credit Union SA Netsave Account Endeavour Mutual Bank Direct Saver Endeavour Mutual Bank iNetSaver Endeavour Mutual Bank Lifestyle Account (18-35 years) Gateway Bank eMax Saver Geelong Bank Achieve Saver Account S55 Geelong Bank Online Saver Account S70 HSBC Flexi Saver

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - 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.

Flexible Saver

Company Product

«««

HSBC Serious Saver Account Illawarra Credit Union Cash Management Account IMB Reward Saver Macquarie Credit Union Investment Account S10 Macquarie Credit Union Online Savings Account MyState Bank Bonus Saver MyState Bank Special eSaver Account NAB iSaver Newcastle Permanent Online Savings Account People's Choice Credit Union Online Saver QBANK Netlink Direct Account S20 Internet Maximiser St.George Bank Incentive Saver Account St.George Bank Maxi Saver Growth Saver Account Sydney Mutual Bank Direct Saver Sydney Mutual Bank iNetSaver Sydney Mutual Bank Lifestyle Account (18-35 years) Teachers Mutual Bank Cash Management Account Teachers Mutual Bank Edvest Cash Management Teachers Mutual Bank Reward Saver The Capricornian iSaver Account The Mac eSaver Transport Mutual Credit Union Premium Savers Acct S8 Transport Mutual Credit Union Redi-Fund S7 UBank USave UniBank Cash Management Account UniBank Edvest Cash Management UniBank Reward Saver eSaver Westpac Life Westpac Life - 18-29

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - 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

««

Bank First Bonus Saver Account S98 Bank First First Home Bonus Saver BankVic Bonus Saver BOQ Bonus Interest Savings Citi Plus Link Savings Credit Union SA Bonus Savings Account Endeavour Mutual Bank Emoney Account Endeavour Mutual Bank Money Market Account Endeavour Mutual Bank Savings Motivator Gateway Bank Edge Account Horizon Bank HorizonDirect Illawarra Credit Union Saver IMB Cash Management ING Savings Accelerator ING Savings Maximiser NAB Cash Manager NAB Reward Saver QBANK Bonus Saver Qudos Bank Bonus Saver Account Rabobank Australia PremiumSaver Suncorp Bank Everyday Options Sub-account Sydney Mutual Bank Emoney Account Sydney Mutual Bank Money Market Account Sydney Mutual Bank Savings Motivator The Mutual Bank Internet Saver Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - 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

«

Bank of China Demand Deposit Delphi Bank Cash Management Account Delphi Bank Liberty Account G&C Mutual Bank Reward Me Saver Account Hunter United e-ZYNET Direct Rabobank Australia CMA Standard Account The Capricornian Everyday Saver Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - 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. 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

«««««

86 400 Save Account BOQ Fast Track Saver BOQ Fast Track Starter (14-24) CUA eSaver Reward ING Savings Maximiser Macquarie Bank Savings Account ME Online Savings Account MyState Bank Bonus Saver UBank USave Savings Bonus VOLT Save Account Westpac Life - 18-29

««««

Australian Military Bank Online Saver Australian Unity Active Saver Geelong Bank iSaver Heritage Bank Target Bonus Account Qudos Bank Bonus Saver Account Rabobank Australia Notice Saver 90 Day Rabobank Australia PremiumSaver Suncorp Bank Growth Saver Account Up Up Savers

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 6

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

«««

AMP Bank Bett3r Save AMP Bank Saver Account ANZ Progress Saver Australian Unity Freedom Saver Bank First Bonus Saver Account S98 Bank First First Home Bonus Saver Bank of Melbourne Incentive Saver Account Bank of us Save Up BankSA Incentive Saver Account BankVic Bonus Saver Bankwest Hero Saver Bankwest Smart eSaver Beyond Bank monEsaver Internet Account Beyond Bank Purple Bonus Saver BOQ Bonus Interest Savings Credit Union SA Bonus Savings Account CUA eSaver Flexi Endeavour Mutual Bank Lifestyle Account (18-35 years) Geelong Bank Achieve Saver Account S55 Bonus Saver Account Heritage Bank Online Saver Horizon Bank Reward Saver HSBC Flexi Saver Hume Bank iSave Hume Bank Reward Saver IMB Reward Saver Macquarie Credit Union Online Savings Account MOVE Bank Express Saver MOVE Bank First Home Saver Club Account NAB Reward Saver nabtrade High Interest Account Newcastle Permanent Smart Saver Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 7

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

«««

People's Choice Credit Union Bonus Saver People's Choice Credit Union Online Saver QBANK Bonus Saver Qudos Bank Qsaver Queensland Country Bank Bonus Saver Rabobank Australia Notice Saver 31 Day Rabobank Australia Notice Saver 60 Day RACQ Bank Bonus Saver Account St.George Bank Incentive Saver Account Sydney Mutual Bank Lifestyle Account (18-35 years) Teachers Mutual Bank Online Savings Account Teachers Mutual Bank Reward Saver The Mutual Bank Bonus Saver UniBank Online Savings Account UniBank Reward Saver Westpac Life

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 8

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

««

Arab Bank Australia Online Savings Account Personal Bank First Online Saver Bank of China Online Saver Bank of us Stash n Splash BankVic EasyinvestOnline Savings Beyond Bank Community Reward Account Citi Online Saver Commonwealth Bank GoalSaver Delphi Bank Midas Account Endeavour Mutual Bank Savings Motivator Hunter United Premium Online Investor Account Hunter United XLR8 Savings Account Illawarra Credit Union Bonus Saver Queensland Country Bank Online Saver Rabobank Australia High Interest Savings Account RACQ Bank eSave Sydney Mutual Bank Savings Motivator The Capricornian iSaver Account

«

Bank of Sydney BOS Saver G&C Mutual Bank Bonus Saver Gateway Bank eMax Saver Regional Australia Bank Savings Booster Transport Mutual Credit Union Premium Savers Acct S8

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 9

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.

Senior Saver

Company Product

«««««

Bank of us Pension Advantage Queensland Country Bank Pension Plus Teachers Mutual Bank Pension Advantage UniBank Pension Advantage

««««

Australian Military Bank Pension Access Account BankVic Pension Plus Heritage Bank Pension Plus Account Macquarie Credit Union Gold Retirement Account QBANK Pension Plus The Mutual Bank Retirement Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 10

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.

Senior Saver

Company Product

«««

ANZ Pensioner Advantage Bank First Pension Account S9 Bankwest Retirement Advantage Account Beyond Bank Retirement Account BOQ Pension Plus Account Credit Union SA 55+ Account CUA Everyday 50+ Endeavour Mutual Bank Pensioner Aware Joint Endeavour Mutual Bank Pensioner Aware Single G&C Mutual Bank Pension Plus Account Geelong Bank Senior Saver Account S65 Greater Bank Retirement Plus Account - Joint Greater Bank Retirement Plus Account - Single Hume Bank Retirement Account Hunter United V.I.P. Pension Account - Single MyState Bank Access Assist RACQ Bank Advantage Plus Sydney Mutual Bank Pensioner Aware Single The Capricornian Pension Access Account Westpac 55+ and Retired

««

Bank of Melbourne Retirement Access Plus BankSA Retirement Access Plus Horizon Bank Advantage 55 NAB Retirement Account Newcastle Permanent Special Monthly Interest People's Choice Credit Union Club 55 St.George Bank Retirement Access Plus The Mac Freedom Years Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 11

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.

Senior Saver

Company Product

«

Bendigo Bank Easy Retirement Account Hunter United Super Fund - RSA Illawarra Credit Union Everyday Plus

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 12

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.

Junior Saver

Company Product

«««««

CUA Youth eSaver Newcastle Permanent Smart Saver Account (Under 25) Queensland Country Bank Star Saver

««««

Gateway Bank Kids Dollaroo Savings Illawarra Credit Union Wildlife Saver IMB Zoo Account Teachers Mutual Bank Mighty Saver UniBank Mighty Saver

«««

ANZ Progress Saver for Kids Bank First First Access Bank First First Saver Bendigo Bank PiggySaver Commonwealth Bank Youthsaver Account Credit Union SA Children's Savings Account Geelong Bank Young Achiever Account S50 Greater Bank Life Saver Horizon Bank Youth Reward Saver Hume Bank Clancy Koala S2 People's Choice Credit Union Young Saver Queensland Country Bank Student Money Saver Suncorp Bank Kids Savings Account The Capricornian Youth Access Account The Mutual Bank Mighty Mutual Westpac Bump Savings

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 13

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.

Junior Saver

Company Product

««

Bank of Sydney Student Savings Account BankVic Little Coppers Club S3 Bankwest Children's Savings Account Delphi Bank Junior Smart Saver Newcastle Permanent Online Savings Account (under 25) QBANK Junior Saver The Mac Mini Mac Bonus Saver

«

Arab Bank Australia Best Buddies School Account Arab Bank Australia Student Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 14

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.

SMSF Saver

Company Product

«««««

Geelong Bank Superfund Maximiser Qudos Bank Bonus Saver Account Qudos Bank DIY Super Saver

««««

AMP Bank SuperEdge Saver Australian Military Bank DIY Super Saver Geelong Bank Achieve Saver Account S55 Rabobank Australia Notice Saver 90 Day - SMSF

«««

Heritage Bank Online Saver Macquarie Credit Union Online Savings Account ME Business Online Savings Account nabtrade High Interest Account Qudos Bank Qsaver Rabobank Australia Notice Saver 31 Day - SMSF Rabobank Australia Notice Saver 60 Day - SMSF Rabobank Australia SMSF PremiumSaver

««

Citi Global Currency Account Delphi Bank Midas Account Delphi Bank Midas Business Account IMB DIY Super Account

«

G&C Mutual Bank Bonus Saver

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 15

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.

High Transactor

Company Product

«««««

ANZ Access Advantage Bank of Melbourne Complete Freedom Commonwealth Bank Smart Access HSBC Everyday Global Account ING Orange Everyday Macquarie Bank Transaction Account ME Everyday Transaction Account MyState Bank Everyday Account MyState Bank Glide Account NAB Classic Banking Suncorp Bank Everyday Options Account Westpac Choice

««««

BankSA Complete Freedom Bankwest Easy Transaction Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account Beyond Bank Purple Transactor Account CUA Everyday Account CUA Everyday Snap Account HSBC Day to Day Account NAB Cash Manager St.George Bank Complete Freedom Suncorp Bank Everyday Essentials Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 16

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.

High Transactor

Company Product

«««

86 400 Pay Account AMP Bank Access Account AMP Bank Bett3r Pay AMP Bank Bett3r Spend AMP Bank Cash Manager Australian Unity Healthy Banking Everyday Transactio Bank First Everyday Account S1 Bank of Sydney Everyday Saver Bank of us Go to BankVic Everyday Account Bendigo Bank Everyday Account BOQ Day2Day Plus Account Citi Cash Investment Account Citi Global Currency Account Credit Union SA Access Account Endeavour Mutual Bank Transaction Account Gateway Bank Edge Account Gateway Bank Everyday Savings Account Greater Bank Access Account Greater Bank Ultimate Account Heritage Bank Simply Access Hume Bank All Purpose S10 Hume Bank Essential Account S60 Hunter United Cash Management Account Hunter United On Call Savings Account Illawarra Credit Union Everyday IMB Cash Management IMB Everyday IMB Everyday Unlimited Kickstart Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account People's Choice Credit Union Expenses Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 17

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.

High Transactor

Company Product

«««

QBANK Everyday Plus QBANK On Call Savings Account Qudos Bank General Savings Account Queensland Country Bank All Access Queensland Country Bank Learners and Earners All Access RACQ Bank Cash Management Account RACQ Bank Current Account RACQ Bank Everyday Account Regional Australia Bank eFree Sydney Mutual Bank Transaction Account Teachers Mutual Bank Everyday Direct Account The Capricornian Access Account The Mutual Bank Express Savings Account Transport Mutual Credit Union Multi-Access Account S4 UBank USpend UniBank Everyday Direct Account Up Up Savers

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 18

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.

High Transactor

Company Product

««

ANZ Premium Cash Management Account Australian Military Bank Access Savings Australian Military Bank Military Rewards Account Bank of China Demand Deposit Bank of China Online Saver Bank of Sydney Everyday Main Account BOQ Cash Management Account BOQ Reverse Charges Account Delphi Bank Liberty Account G&C Mutual Bank Access Account G&C Mutual Bank Reward Me Saver Account Horizon Bank Advantage Horizon Bank RediSavings IMB Everyday Unlimited Macquarie Credit Union Cheque/Card Account S5 MOVE Bank Everyday Saver S1 MOVE Bank Everyday Saver S22 & S33 People's Choice Credit Union Everyday Account The Mac EveryDay Savings Wise Wise Multi-Currency

«

Arab Bank Australia Cash Management Account Arab Bank Australia Statement Savings Account Delphi Bank Cash Management Account Geelong Bank Redi Access Account S13 Geelong Bank Total Access Account S1

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 19

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.

Low Transactor

Company Product

«««««

Bank of Melbourne Complete Freedom Beyond Bank Purple Transactor Account Commonwealth Bank Smart Access HSBC Day to Day Account HSBC Everyday Global Account Macquarie Bank Transaction Account MyState Bank Glide Account NAB Cash Manager NAB Classic Banking Suncorp Bank Everyday Options Account

««««

ANZ Premium Cash Management Account Bank First Everyday Account S1 Bankwest Easy Transaction Account Credit Union SA Access Account CUA Everyday Account CUA Everyday Snap Account Heritage Bank Simply Access IMB Everyday IMB Everyday Unlimited Kickstart ING Orange Everyday People's Choice Credit Union Expenses Account Suncorp Bank Everyday Essentials Account Teachers Mutual Bank Everyday Direct Account UniBank Everyday Direct Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 20

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.

Low Transactor

Company Product

«««

86 400 Pay Account AMP Bank Access Account AMP Bank Bett3r Pay AMP Bank Bett3r Spend AMP Bank Cash Manager ANZ Access Advantage Australian Unity Healthy Banking Everyday Transactio Bank of Sydney Everyday Saver Bank of us Go to BankSA Complete Freedom BankVic Everyday Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account Bendigo Bank Everyday Account BOQ Day2Day Plus Account Citi Cash Investment Account Citi Global Currency Account Endeavour Mutual Bank Transaction Account Gateway Bank Edge Account Gateway Bank Everyday Savings Account Greater Bank Access Account Greater Bank Ultimate Account Horizon Bank RediSavings Hume Bank All Purpose S10 Hume Bank Essential Account S60 IMB Cash Management Macquarie Credit Union Cheque/Card Account S5 ME Everyday Transaction Account MyState Bank Everyday Account Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account QBANK Everyday Plus

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 21

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.

Low Transactor

Company Product

«««

QBANK On Call Savings Account Qudos Bank General Savings Account Queensland Country Bank All Access Queensland Country Bank Learners and Earners All Access RACQ Bank Cash Management Account RACQ Bank Current Account RACQ Bank Everyday Account Regional Australia Bank eFree St.George Bank Complete Freedom Sydney Mutual Bank Transaction Account The Capricornian Access Account The Mac EveryDay Savings The Mutual Bank Express Savings Account Transport Mutual Credit Union Multi-Access Account S4 UBank USpend Up Up Savers Westpac Choice

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 22

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.

Low Transactor

Company Product

««

Australian Military Bank Access Savings Australian Military Bank Military Rewards Account Bank of China Demand Deposit Bank of China Online Saver Bank of Sydney Everyday Main Account BOQ Cash Management Account BOQ Reverse Charges Account Delphi Bank Liberty Account Geelong Bank Redi Access Account S13 Geelong Bank Total Access Account S1 Horizon Bank Advantage Hunter United Cash Management Account Hunter United On Call Savings Account Illawarra Credit Union Everyday IMB Everyday Unlimited MOVE Bank Everyday Saver S1 MOVE Bank Everyday Saver S22 & S33 People's Choice Credit Union Everyday Account Wise Wise Multi-Currency

«

Arab Bank Australia Cash Management Account Arab Bank Australia Statement Savings Account Delphi Bank Cash Management Account G&C Mutual Bank Access Account G&C Mutual Bank Reward Me Saver Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 23

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.

Youth Transactor

Company Product

«««««

ANZ Access Advantage Commonwealth Bank Smart Access MyState Bank Everyday Account MyState Bank Glide Account NAB Classic Banking Suncorp Bank Everyday Options-Student Westpac Choice

««««

Bank of Melbourne Complete Freedom Bank of Melbourne Complete Freedom Student BankSA Complete Freedom Student Bankwest Easy Transaction Account Beyond Bank BU Savings Account HSBC Day to Day Account HSBC Everyday Global Account St.George Bank Complete Freedom Student Suncorp Bank Everyday Essentials Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 24

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.

Youth Transactor

Company Product

«««

Bank First First Access Bank of us Go to Bendigo Bank Student Account BOQ Day2Day Plus Account Credit Union SA Access Account Credit Union SA Children's Savings Account CUA Everyday Youth Account Endeavour Mutual Bank Transaction Account Greater Bank Access Account Greater Bank Ultimate Account Heritage Bank Simply Access Hume Bank All Purpose S10 Hume Bank Essential Account S60 Illawarra Credit Union Everyday Illawarra Credit Union Everyday Student IMB Everyday Unlimited Kickstart Macquarie Bank Transaction Account MOVE Bank Everyday Saver S1 Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account Newcastle Permanent Everyday Account (Under 25) People's Choice Credit Union Activate Account People's Choice Credit Union Expenses Account QBANK Everyday Plus Qudos Bank General Savings Account Queensland Country Bank All Access RACQ Bank Current Account RACQ Bank Everyday Account Regional Australia Bank eFree Sydney Mutual Bank Transaction Account Teachers Mutual Bank Everyday Direct Account The Capricornian Youth Access Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 25

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.

Youth Transactor

Company Product

«««

UniBank Everyday Direct Account

««

Australian Military Bank Access Savings Australian Military Bank Junior Saver Bank of Sydney Student Savings Account BankSA Complete Freedom G&C Mutual Bank Access Account Gateway Bank Edge Account Horizon Bank RediSavings Hunter United On Call Savings Account Macquarie Credit Union Cheque/Card Account S5 St.George Bank Complete Freedom The Capricornian Student Access Account The Mutual Bank Express Savings Account

«

Arab Bank Australia Statement Savings Account Bendigo Bank Everyday Account Delphi Bank Liberty Account Horizon Bank Advantage People's Choice Credit Union Everyday Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 26

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.

Senior Transactor

Company Product

«««««

Bank First Pension Account S9 Bank of Melbourne Complete Freedom Bank of Melbourne Retirement Access Plus BankSA Retirement Access Plus Beyond Bank Retirement Account Commonwealth Bank Pensioner Security Account Heritage Bank Pension Plus Account Macquarie Bank Transaction Account MyState Bank Glide Account Queensland Country Bank Pension Plus St.George Bank Retirement Access Plus Suncorp Bank Everyday Options Account The Mutual Bank Retirement Account Westpac 55+ and Retired

««««

ANZ Premium Cash Management Account Bank First Everyday Account S1 Bankwest Easy Transaction Account Bankwest Retirement Advantage Account Beyond Bank Purple Transactor Account Commonwealth Bank Smart Access Credit Union SA 55+ Account Heritage Bank Simply Access NAB Cash Manager NAB Classic Banking NAB Retirement Account Suncorp Bank Everyday Essentials Account Teachers Mutual Bank Everyday Direct Account UniBank Everyday Direct Account

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 27

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.

Senior Transactor

Company Product

«««

ANZ Access Advantage ANZ Pensioner Advantage Arab Bank Australia Statement Savings Account Australian Military Bank Pension Access Account Bank of China Demand Deposit Bank of China Online Saver Bank of Sydney Everyday Saver Bank of us Pension Advantage BankVic Everyday Account Bendigo Bank Easy Retirement Account BOQ Day2Day Plus Account BOQ Pension Plus Account Credit Union SA Access Account CUA Everyday 50+ CUA Everyday Account CUA Everyday Snap Account Endeavour Mutual Bank Transaction Account Gateway Bank Edge Account Gateway Bank Everyday Savings Account Greater Bank Access Account Greater Bank Retirement Plus Account - Joint Greater Bank Retirement Plus Account - Single Greater Bank Ultimate Account Horizon Bank Advantage 55 Horizon Bank RediSavings HSBC Day to Day Account HSBC Everyday Global Account Hume Bank All Purpose S10 Hume Bank Retirement Account Hunter United Cash Management Account Hunter United On Call Savings Account Hunter United V.I.P. Pension Account - Joint

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 28

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.

Senior Transactor

Company Product

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Hunter United V.I.P. Pension Account - Single IMB Cash Management IMB Everyday Macquarie Credit Union Cheque/Card Account S5 MyState Bank Access Assist Newcastle Permanent Basic Access Account People's Choice Credit Union Club 55 People's Choice Credit Union Expenses Account QBANK Everyday Plus QBANK On Call Savings Account QBANK Pension Plus Qudos Bank General Savings Account Queensland Country Bank All Access RACQ Bank Advantage Plus RACQ Bank Cash Management Account RACQ Bank Current Account RACQ Bank Everyday Account Sydney Mutual Bank Transaction Account The Capricornian Access Account The Capricornian Pension Access Account The Mac EveryDay Savings The Mac Freedom Years Account The Mutual Bank Express Savings Account Westpac Choice

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 29

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.

Senior Transactor

Company Product

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Australian Military Bank Access Savings Australian Military Bank Military Rewards Account Bank of Sydney Everyday Main Account Bank of us Go to BankSA Complete Freedom Bankwest Hero Transaction Account Bankwest Qantas Transaction Account Bendigo Bank Everyday Account BOQ Cash Management Account BOQ Reverse Charges Account Delphi Bank Liberty Account Geelong Bank Redi Access Account S13 Geelong Bank Senior Saver Account S65 Horizon Bank Advantage Hume Bank Essential Account S60 Illawarra Credit Union Everyday Illawarra Credit Union Everyday Plus IMB Everyday Unlimited MOVE Bank Everyday Saver S1 MyState Bank Everyday Account Newcastle Permanent Everyday Account People's Choice Credit Union Everyday Account St.George Bank Complete Freedom

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Arab Bank Australia Cash Management Account Delphi Bank Cash Management Account G&C Mutual Bank Access Account G&C Mutual Bank Pension Plus Account G&C Mutual Bank Reward Me Saver Account Geelong Bank Total Access Account S1

Report Date: March, 2021 Savings and Transaction Accounts Star Ratings 2021 - Page 30

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