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' 86 400 Save Account AMP Saver Account Bank of Sydney BOS Saver CUA eSaver Flexi CUA eSaver Reward Online Saver ING Savings Maximiser Macquarie Bank ME Online Savings Account MOVE Bank Express Saver MOVE Home Saver Club Account High Interest Savings Account UBank USave Savings Bonus VOLT Save Account

Report Date: October, 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.

Flexible Saver

Company Product

««««

Arab Online Savings Account Personal Australian Unity Easy Saver Australian Unity Freedom Saver Bank First Online Saver BankVic EasyinvestOnline Savings bcu isaver Beyond Bank monEsaver Internet Account BOQ WebSavings Account Citi Global Currency Account Citi Online Saver Credit Union SA Netsave Account Geelong Bank iSaver Geelong Bank Online Saver Account S70 iSave nabtrade High Interest Account Qsaver RAMS Saver Account Online Savings Account UBank USave UniBank Online Savings Account

Report Date: October, 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.

Flexible Saver

Company Product

«««

AMP Bank Bett3r Save AMP Bank Cash Manager ANZ Online Saver Australian Military Bank Cash Management S9 Australian Military Bank Online Saver Australian Military Bank Star Saver Direct Account S20 Australian Unity Active Saver Bank First Cash Management Account S10 Incentive Saver Account Bank of Melbourne Maxi Saver Bank of us Save BankSA Incentive Saver Account BankSA Maxi Saver TeleNet Saver Bendigo Bank CommunitySaver Account Bendigo Bank EasySaver Beyond Bank Community Reward Account BOQ Fast Track Saver GoalSaver Commonwealth Bank NetBank Saver Delphi Bank Midas 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 Horizon Bank HorizonDirect HSBC Serious Saver Account Illawarra Credit Union Cash Management Account Illawarra Credit Union Saver IMB Cash Management IMB Reward Saver

Report Date: October, 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

«««

Macquarie Credit Union Investment Account S10 Macquarie Credit Union Online Savings Account MOVE Bank Bonus Saver 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 Country Bank Online Saver Rabobank Australia CMA Standard Account Rabobank Australia PremiumSaver RACQ Bank eSave Internet Maximiser Rural Bank ONE Personal Saver St.George Bank Incentive Saver Account St.George Bank Maxi Saver Everyday Options Sub-account Suncorp Bank 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 The Capricornian iSaver Account The Mac eSaver The Mutual Bank Internet Saver Account Transport Mutual Credit Union Premium Savers Acct S8 UniBank Cash Management Account UniBank Edvest Cash Management eSaver Westpac Life

Report Date: October, 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

««

ANZ Premium Cash Management Account 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 HSBC Flexi Saver Hunter United e-ZYNET Direct ING Savings Accelerator Macquarie Bank Cash Management Account NAB Cash Manager NAB Reward Saver QBANK Bonus Saver QBANK Cash Management Account Qudos Bank Bonus Saver Account SERVICE ONE Alliance Bank Money Management Sydney Mutual Bank Emoney Account Sydney Mutual Bank Savings Motivator Teachers Mutual Bank Reward Saver The Capricornian Everyday Saver Account Transport Mutual Credit Union Redi-Fund S7 UniBank Reward Saver Up Up Savers

Report Date: October, 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. 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

«

Delphi Bank Cash Management Account Delphi Bank Liberty Account G&C Mutual Bank Reward Me Saver Account Horizon Bank Reward Saver Sydney Mutual Bank Money Market Account The Mutual Bank Cash Management Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' 86 400 Save Account Australian Unity Active Saver Bank of Sydney BOS Saver BOQ Fast Track Saver CUA eSaver Reward ING Savings Maximiser ME Online Savings Account MyState Bank Bonus Saver Rabobank Australia Notice Saver 60 Day Rabobank Australia Notice Saver 90 Day Suncorp Bank Growth Saver Account UBank USave Savings Bonus Up Up Savers VOLT Save Account

««««

Australian Military Bank Online Saver BOQ Bonus Interest Savings Geelong Bank iSaver Heritage Bank Target Bonus Account HSBC Flexi Saver Macquarie Bank Savings Account MOVE Bank Bonus Saver MOVE Bank Express Saver MOVE Bank First Home Saver Club Account Qudos Bank Bonus Saver Account Queensland Country Bank Bonus Saver Rabobank Australia Notice Saver 31 Day Rabobank Australia PremiumSaver RAMS Saver Account Westpac Life

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

AMP Bank Bett3r Save AMP Bank Saver Account ANZ Progress Saver Arab Bank Australia Online Savings Account Personal Australian Unity Easy Saver Australian Unity Freedom Saver Bank First Bonus Saver Account S98 Bank First First Home Bonus Saver Bank First Online Saver Bank of Melbourne Incentive Saver Account Bank of us Save Up Bank of us Stash n Splash BankSA Incentive Saver Account BankVic Bonus Saver BankVic EasyinvestOnline Savings Bankwest Hero Saver Bankwest Smart eSaver bcu isaver Beyond Bank Community Reward Account Beyond Bank monEsaver Internet Account BOQ WebSavings Account Commonwealth Bank GoalSaver Credit Union SA Bonus Savings Account Credit Union SA Netsave Account CUA eSaver Flexi Delphi Bank Midas Account Endeavour Mutual Bank Lifestyle Account (18-35 years) Endeavour Mutual Bank Savings Motivator Geelong Bank Achieve Saver Account S55 Geelong Bank Online Saver Account S70 Bonus Saver Account Heritage Bank Online Saver

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

Horizon Bank HorizonDirect Horizon Bank Reward Saver Hume Bank iSave Hume Bank Reward Saver Hunter United Premium Online Investor Account Hunter United XLR8 Savings Account Illawarra Credit Union Bonus Saver IMB Reward Saver Macquarie Credit Union Online Savings Account NAB Reward Saver nabtrade High Interest Account Newcastle Permanent Smart Saver Account People's Choice Credit Union Bonus Saver People's Choice Credit Union Online Saver QBANK Bonus Saver Qudos Bank Qsaver Queensland Country Bank Online Saver Rabobank Australia High Interest Savings Account RACQ Bank eSave St.George Bank Incentive Saver Account Sydney Mutual Bank Lifestyle Account (18-35 years) Sydney Mutual Bank Savings Motivator Teachers Mutual Bank Online Savings Account Teachers Mutual Bank Reward Saver The Mac eSaver The Mutual Bank Bonus Saver UBank USave UniBank Online Savings Account UniBank Reward Saver

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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.

Regular Saver

Company Product

««

Australian Military Bank Star Saver Direct Account S20 Bendigo Bank CommunitySaver Account Bendigo Bank EasySaver Citi Online Saver Endeavour Mutual Bank Direct Saver Endeavour Mutual Bank iNetSaver RACQ Bank Bonus Saver Account Regional Australia Bank Savings Booster Sydney Mutual Bank Direct Saver Sydney Mutual Bank iNetSaver The Capricornian iSaver Account

«

AMP Bank Cash Manager G&C Mutual Bank Bonus Saver Gateway Bank eMax Saver QBANK Netlink Direct Account S20 Rural Bank ONE Personal Saver Transport Mutual Credit Union Premium Savers Acct S8

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' BankVic Pension Plus Macquarie Credit Union Gold Retirement Account Queensland Country Bank Pension Plus Teachers Mutual Bank Pension Advantage The Mutual Bank Retirement Account UniBank Pension Advantage

««««

Australian Military Bank Pension Access Account Bank First Pension Account S9 Bank of us Pension Advantage bcu advantage saver CUA Everyday 50+ Heritage Bank Pension Plus Account QBANK Pension Plus RACQ Bank Advantage Plus

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

Bankwest Retirement Advantage Account Beyond Bank Retirement Account BOQ Pension Plus Account Credit Union SA 55+ Account 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 Illawarra Credit Union Everyday Plus MyState Bank Access Assist SERVICE ONE Alliance Bank Senior Saver Account Sydney Mutual Bank Pensioner Aware Single The Capricornian Pension Access Account The Mac Freedom Years Account

««

ANZ Pensioner Advantage Bank of Melbourne Retirement Access Plus BankSA Retirement Access Plus Hunter United Super Fund - RSA NAB Retirement Account Newcastle Permanent Special Monthly Interest People's Choice Credit Union Club 55 St.George Bank Retirement Access Plus Westpac 55+ and Retired

«

Bendigo Bank Easy Retirement Account Commonwealth Bank Pensioner Security Account Horizon Bank Advantage 55

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' bcu scoot's super saver CUA Youth eSaver Newcastle Permanent Smart Saver Account (Under 25)

««««

Credit Union SA Children's Savings Account Greater Bank Life Saver Illawarra Credit Union Wildlife Saver Queensland Country Bank Star Saver Suncorp Bank Kids Savings Account

«««

ANZ Progress Saver for Kids Bank First First Access Bank First First Saver Bank of Sydney Student Savings Account Commonwealth Bank Youthsaver Account Gateway Bank Kids Dollaroo Savings Geelong Bank Young Achiever Account S50 Horizon Bank Youth Reward Saver Hume Bank Clancy Koala S2 IMB Zoo Account People's Choice Credit Union Young Saver Queensland Country Bank Student Money Saver Teachers Mutual Bank Mighty Saver The Capricornian Youth Access Account The Mac Mini Mac Bonus Saver The Mutual Bank Mighty Mutual UniBank Mighty Saver Westpac Bump Savings

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««

BankVic Little Coppers Club S3 Bankwest Children's Savings Account Bendigo Bank PiggySaver Delphi Bank Junior Smart Saver Greater Bank Little Bucks Newcastle Permanent Online Savings Account (under 25) QBANK Junior Saver

«

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

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' AMP Bank SuperEdge Saver Geelong Bank Superfund Maximiser HSBC Flexi Saver Qudos Bank DIY Super Saver

««««

Australian Military Bank DIY Super Saver Account BankVic SMSF Saver Heritage Bank Target Bonus Account Qudos Bank Bonus Saver Account Rabobank Australia Notice Saver 90 Day - SMSF

«««

Bank First Online Saver bcu business isaver Beyond Bank monEsaver Internet Account Citi Global Currency Account Credit Union SA Bonus Savings Account CUA eSaver Flexi Geelong Bank Achieve Saver Account S55 Heritage Bank Online Saver Horizon Bank SMSF Saver Macquarie Credit Union Online Savings Account ME Business Online Savings Account nabtrade High Interest Account Newcastle Permanent Smart Saver Account Qudos Bank Qsaver Rabobank Australia High Interest Savings - SMSF Rabobank Australia Notice Saver 31 Day - SMSF Rabobank Australia Notice Saver 60 Day - SMSF Rabobank Australia SMSF PremiumSaver Teachers Mutual Bank Reward Saver UniBank Reward Saver

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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.

SMSF Saver

Company Product

««

ANZ SMSF Cash Hub Account Delphi Bank Midas Account Delphi Bank Midas Business Account Geelong Bank Online Saver Account S70 Hunter United Premium Online Investor Account IMB DIY Super Account Suncorp Bank Business Saver Account

«

BOQ Superannuation Savings Account G&C Mutual Bank Bonus Saver Transport Mutual Credit Union Premium Savers Acct S8

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' ANZ Access Advantage Bank of Melbourne Complete Freedom BankSA Complete Freedom Bankwest Hero Transaction Account Commonwealth Bank Smart Access HSBC Day to Day Account HSBC Everyday Global Account ING Orange Everyday Macquarie Bank Transaction Account NAB Classic Banking St.George Bank Complete Freedom Suncorp Bank Everyday Options Account Westpac Choice

««««

Bankwest Easy Transaction Account Bankwest Transaction Account Beyond Bank Purple Transactor Account Credit Union SA Access Account CUA Everyday Account Heritage Bank Simply Access ME Everyday Transaction Account MyState Bank Everyday Account MyState Bank Glide Account NAB Cash Manager People's Choice Credit Union Expenses Account Suncorp Bank Everyday Essentials Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

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 Main Account Bank of Sydney Everyday Saver Bank of us Go to BankVic Everyday Account bcu access Bendigo Bank Everyday Account BOQ Cash Management Account BOQ Day2Day Plus Account BOQ Reverse Charges Account Citi Cash Investment Account Citi Global Currency Account CUA Everyday Snap Account Delphi Bank Liberty 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 Advantage Horizon Bank RediSavings Hume Bank All Purpose S10 Hume Bank Cash Management S8 Hume Bank Essential Account S60 Hunter United Cash Management Account Hunter United On Call Savings Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

Illawarra Credit Union Everyday IMB Cash Management IMB Everyday IMB Everyday Unlimited IMB Everyday Unlimited Kickstart Macquarie Credit Union Cheque/Card Account S5 MOVE Bank Everyday Saver S1 MOVE Bank Everyday Saver S22 & S33 Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account Newcastle Permanent Smart Saver Account People's Choice Credit Union Everyday Account 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 Bonus Saver Account RACQ Bank Cash Management Account RACQ Bank Current Account RACQ Bank Everyday Account RAMS Action Regional Australia Bank eFree Rural Bank Everyday Account - All Access Rural Bank Gold Cash Management Sydney Mutual Bank Transaction Account Teachers Mutual Bank Everyday Direct 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

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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.

High Transactor

Company Product

«««

UniBank Everyday Direct Account Up Up Savers

««

ANZ Premium Cash Management Account Arab Bank Australia Cash Management Account Arab Bank Australia Statement Savings Account Australian Military Bank Access Savings S1 Australian Military Bank Military Rewards Acc- Everyday Acc G&C Mutual Bank Access Account G&C Mutual Bank Reward Me Saver Account HSBC Premier CMA SERVICE ONE Alliance Bank Day to Day Account

«

Delphi Bank Cash Management Account Geelong Bank Redi Access Account S13 Geelong Bank Total Access Account S1

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' Bank of Melbourne Complete Freedom Bankwest Easy Transaction Account Bankwest Hero Transaction Account Beyond Bank Purple Transactor Account 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 Access Advantage ANZ Premium Cash Management Account Bank First Everyday Account S1 BankSA Complete Freedom Commonwealth Bank Smart Access Credit Union SA Access Account CUA Everyday Account Heritage Bank Simply Access IMB Everyday Unlimited Kickstart ING Orange Everyday People's Choice Credit Union Expenses Account Qudos Bank General Savings Account RACQ Bank Current Account St.George Bank Complete Freedom Suncorp Bank Everyday Essentials Account Teachers Mutual Bank Everyday Direct Account Westpac Choice

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

86 400 Pay Account AMP Bank Access Account AMP Bank Bett3r Pay AMP Bank Bett3r Spend AMP Bank Cash Manager Australian Military Bank Access Savings S1 Australian Military Bank Military Rewards Acc- Everyday Acc Australian Unity Healthy Banking Everyday Transactio Bank of Sydney Everyday Saver Bank of us Go to BankVic Everyday Account Bankwest Qantas Transaction Account bcu access Bendigo Bank Everyday Account BOQ Day2Day Plus Account Citi Cash Investment Account Citi Global Currency Account CUA Everyday Snap Account Delphi Bank Liberty 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 Cash Management S8 Hume Bank Essential Account S60 Hunter United Cash Management Account Hunter United On Call Savings Account Illawarra Credit Union Everyday IMB Cash Management

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

IMB Everyday Macquarie Credit Union Cheque/Card Account S5 ME Everyday Transaction Account MyState Bank Everyday Account Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account Newcastle Permanent Smart Saver Account QBANK Everyday Plus QBANK On Call Savings Account Queensland Country Bank All Access Queensland Country Bank Learners and Earners All Access RACQ Bank Bonus Saver Account RACQ Bank Cash Management Account RACQ Bank Everyday Account RAMS Action Regional Australia Bank eFree SERVICE ONE Alliance Bank Day to Day Account 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 Xinja Bank Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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.

Low Transactor

Company Product

««

Bank of Sydney Everyday Main Account BOQ Cash Management Account BOQ Reverse Charges Account Geelong Bank Redi Access Account S13 Horizon Bank Advantage IMB Everyday Unlimited MOVE Bank Everyday Saver S1 MOVE Bank Everyday Saver S22 & S33 People's Choice Credit Union Everyday Account Rural Bank Everyday Account - All Access Rural Bank Gold Cash Management UniBank Everyday Direct Account

«

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 Geelong Bank Total Access Account S1

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' ANZ Access Advantage Bank of Melbourne Complete Freedom Bank of Melbourne Complete Freedom Student BankSA Complete Freedom Student Bankwest Easy Transaction Account Beyond Bank BU Savings Account Commonwealth Bank Smart Access HSBC Day to Day Account HSBC Everyday Global Account NAB Classic Banking St.George Bank Complete Freedom Student Suncorp Bank Everyday Options-Student Westpac Choice

«««« bcu scoot's super saver Credit Union SA Access Account Heritage Bank Simply Access Macquarie Bank Transaction Account MyState Bank Everyday Account MyState Bank Glide Account People's Choice Credit Union Activate Account People's Choice Credit Union Expenses Account Suncorp Bank Everyday Essentials Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

«««

Australian Military Bank Junior Saver Account Bank First First Access Bank of Sydney Student Savings Account Bank of us Go to bcu access Bendigo Bank Student Account BOQ Day2Day Plus Account Credit Union SA Children's Savings Account CUA Everyday Youth Account Endeavour Mutual Bank Transaction Account G&C Mutual Bank Access Account Gateway Bank Edge Account Greater Bank Access Account Greater Bank Ultimate Account Hume Bank All Purpose S10 Hume Bank Essential Account S60 Illawarra Credit Union Everyday Illawarra Credit Union Everyday Student IMB Everyday Unlimited Kickstart MOVE Bank Everyday Saver S1 Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account Newcastle Permanent Everyday Account (Under 25) Newcastle Permanent Smart Saver Account (Under 25) 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 Rural Bank Everyday Account - All Access SERVICE ONE Alliance Bank Day to Day Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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.

Youth Transactor

Company Product

«««

SERVICE ONE Alliance Bank FREEstyle Student Account Sydney Mutual Bank Transaction Account Teachers Mutual Bank Everyday Direct Account The Capricornian Student Access Account The Capricornian Youth Access Account The Mutual Bank Express Savings Account

««

Australian Military Bank Access Savings S1 BankSA Complete Freedom Delphi Bank Liberty Account Horizon Bank RediSavings Hunter United On Call Savings Account Macquarie Credit Union Cheque/Card Account S5 People's Choice Credit Union Everyday Account St.George Bank Complete Freedom

«

Arab Bank Australia Statement Savings Account Bendigo Bank Everyday Account Horizon Bank Advantage UniBank Everyday Direct Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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

««««« 'Outstanding Value' Bank First Pension Account S9 Bank of Melbourne Complete Freedom Bank of Melbourne Retirement Access Plus BankSA Retirement Access Plus Bankwest Retirement Advantage Account Beyond Bank Retirement Account Commonwealth Bank Pensioner Security Account Heritage Bank Pension Plus Account Macquarie Bank Transaction 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 bcu advantage saver Beyond Bank Purple Transactor Account Commonwealth Bank Smart Access Credit Union SA 55+ Account Credit Union SA Access Account Heritage Bank Simply Access NAB Cash Manager NAB Classic Banking NAB Retirement Account People's Choice Credit Union Expenses Account RACQ Bank Advantage Plus Suncorp Bank Everyday Essentials Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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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ANZ Access Advantage ANZ Pensioner Advantage Arab Bank Australia Statement Savings Account Australian Military Bank Access Savings S1 Australian Military Bank Pension Access Account Bank of Sydney Everyday Saver Bank of us Go to Bank of us Pension Advantage BankSA Complete Freedom BankVic Everyday Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account bcu access Bendigo Bank Easy Retirement Account BOQ Day2Day Plus Account BOQ Pension Plus Account CUA Everyday 50+ CUA Everyday Account CUA Everyday Snap Account Delphi Bank Liberty 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

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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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Hume Bank Cash Management S8 Hume Bank Essential Account S60 Hume Bank Retirement Account Hunter United Cash Management Account Hunter United On Call Savings Account Hunter United V.I.P. Pension Account - Joint Hunter United V.I.P. Pension Account - Single IMB Cash Management IMB Everyday IMB Everyday Unlimited Kickstart Macquarie Credit Union Cheque/Card Account S5 MyState Bank Access Assist MyState Bank Everyday Account Newcastle Permanent Basic Access Account Newcastle Permanent Everyday Account People's Choice Credit Union Club 55 QBANK Everyday Plus QBANK On Call Savings Account QBANK Pension Plus Qudos Bank General Savings Account Queensland Country Bank All Access Queensland Country Bank Learners and Earners All Access RACQ Bank Bonus Saver Account RACQ Bank Cash Management Account RACQ Bank Current Account RACQ Bank Everyday Account Regional Australia Bank eFree Rural Bank Everyday Account - All Access SERVICE ONE Alliance Bank Day to Day Account SERVICE ONE Alliance Bank Senior Saver Account St.George Bank Complete Freedom Sydney Mutual Bank Transaction Account

Report Date: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - 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. 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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Teachers Mutual Bank Everyday Direct 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

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Australian Military Bank Military Rewards Acc- Everyday Acc Bank of Sydney Everyday Main Account Bendigo Bank Everyday Account BOQ Cash Management Account BOQ Reverse Charges Account Geelong Bank Redi Access Account S13 Geelong Bank Senior Saver Account S65 Horizon Bank Advantage Illawarra Credit Union Everyday Illawarra Credit Union Everyday Plus IMB Everyday Unlimited People's Choice Credit Union Everyday Account Rural Bank Gold Cash Management UniBank Everyday Direct Account

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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: October, 2020 Savings and Transaction Accounts Star Ratings 2020 - Page 31

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