Everyday Banking Award 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.

Everyday Banking Award Ability to Transacon Low Fee/Low 24 Hour Transacon History Online Chat Frequent Flyer Credit Card Statement Transfer from Account Rate Credit Company Helpline on Home Screen Available Program Reward Online Home Screen Available Card Available Program

ANZ ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Australian Military Bank ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

B&E Personal Banking ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

Bank ✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘

BankVic ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✔

Bankwest ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

bcu ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✔

Bendigo Bank ✔ ✘ ✔ ✘ ✘ ✔ ✔ ✔ ✔

Beyond Bank ✘ ✔ ✔ ✔ ✘ ✔ ✔ ✘ ✘

BOQ ✔ ✘ ✔ ✘ ✘ ✔ ✔ ✔ ✔

Ci ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Commonwealth Bank ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Community First CU ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

CUA ✘ ✘ ✔ ✘ ✘ ✔ ✔ ✘ ✔

FCCS Credit Union ✘ ✘ ✔ ✘ ✘ ✔ ✔ ✘ ✘

Report Date: September, 2017. (All information is correct as at September, 2017) Everyday Banking Award 2017 - 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. Everyday Banking Award 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.

Everyday Banking Award Bank Ability to Transacon Low Fee/Low 24 Hour Transacon History Online Chat Frequent Flyer Credit Card Statement Transfer from Account Rate Credit Company Helpline on Home Screen Available Program Reward Online Home Screen Available Card Available Program

First Opon Credit Union ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✔

G&C Mutual Bank ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘

Heritage Bank ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

Holiday Coast CU ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✘ ✘

Horizon Credit Union ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

HSBC ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Hume Bank ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✔

Macquarie Bank ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔

Macquarie Credit Union ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

ME ✘ ✘ ✔ ✘ ✘ ✔ ✔ ✘ ✘

My Credit Union ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✘ ✘

NAB ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Newcastle Permanent ✘ ✘ ✔ ✘ ✘ ✔ ✔ ✘ ✘

P&N Bank ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘ ✘

People's Choice Credit Union ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

Report Date: September, 2017. (All information is correct as at September, 2017) Everyday Banking Award 2017 - 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. Everyday Banking Award 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.

Everyday Banking Award Bank Ability to Transacon Low Fee/Low 24 Hour Transacon History Online Chat Frequent Flyer Credit Card Statement Transfer from Account Rate Credit Company Helpline on Home Screen Available Program Reward Online Home Screen Available Card Available Program

Police Bank ✘ ✔ ✔ ✔ ✘ ✔ ✔ ✘ ✘

QBANK ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✔

QT Mutual Bank ✘ ✘ ✘ ✘ ✘ ✔ ✔ ✘ ✘

Qudos Bank ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘

Select Encompass Credit Union ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

SERVICE ONE Alliance Bank ✘ ✔ ✔ ✘ ✘ ✔ ✔ ✘ ✘

St.George Bank ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Suncorp Bank ✔ ✔ ✔ ✘ ✘ ✔ ✔ ✔ ✔

Teachers Mutual Bank ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘ ✘

UniBank ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘ ✘

Victoria ✘ ✔ ✔ ✔ ✘ ✔ ✔ ✘ ✘

Westpac ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Report Date: September, 2017. (All information is correct as at September, 2017) Everyday Banking Award 2017 - 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.