Now anyone can master their money. Introducing BankSA SENSE. An innovative new way to make the most of your money.

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1 Now anyone can master their money. Introducing BankSA SENSE. An innovative new way to make the most of your money.

2 BankSA SENSE New BankSA SENSE takes your spending and saving into account One account for everyday banking. Another for saving. BankSA SENSE makes mastering your money easier than ever. It s two accounts working together, so you can access your money when you want, and save at the same time. Your BankSA SENSE Everyday transaction account provides unlimited everyday transactions 1 with no account service fee if you deposit at least $2,000 each month, like your salary for example 2 and no ongoing minimum balance is needed. Your BankSA SENSE Savings account has no monthly service fee, 1 so every cent you save counts.

3 See exactly where you re spending your money You ll receive easy-to-read statements complete with helpful colour spending charts 3 which group your everyday transactions into 10 expense categories for example, Cash Withdrawals, Home Expenses, Daily Living, Transfers and Insurance. This great tool makes it easier to see how you re spending and where you can save a bit extra. And you ll be able to compare your results from your current statement period to the previous statement period, so you can easily keep track of your progress. Date Description + Deposits - Withdrawals = Balance $ Category SUB TOTAL CARRIED FORWARD FROM PREVIOUS PAGE Apr HR PAYROLL APR -1, , :48 ROUNDING FOR $ Apr , Transfers EFFECTIVE DATE 15APR 17 Apr ATM WITHDRAWAL 17APR , Cash 11:49 PIBS 1072 TCP/IP $AT SY\ADELAIDE \AU 20 Apr TFR WDL BPAY , Insurance&Super INTERNET20APR 12:45 TO RAA Statement of Leisure Account VISA PURCHASE 20/04/09 20 Apr HOLIDAY INN EFFECTIVE DATE 20APR ROUNDING FOR $ Apr Transfers EFFECTIVE DATE 20APR 25 Apr ATM WITHDRAWAL 25APR Cash 11:49 PIBS 1072 TCP/IP $AT SY\ADELAIDE \AU JOHN CITIZEN 27 Apr EFTPOS PURCHASE 27APR SMITH Daily STREET Living 12:22 COLES NORWOOD ADELAIDE SA 5001 \AU ROUNDING FOR $ Apr Transfers EFFECTIVE DATE 27APR ACCOUNT SERVICE FEE 30 Apr Other JOHN CITIZEN 30 Apr Closing Balance Rounding Contributions processed near the end of the month may appear on your next statement. Spending by Category Cash $ (4%) Home Expenses $ (7%) Daily Living $ (13%) Health & Education $ (13%) Transportation $ (16%) BankSA Sense Account Summary Sense Everyday Opening Balance $2, Opening Balance $5, All Deposits $1, All Deposits $ Leisure $ (29%) - All Withdrawals Insurance & Super $58.90 (2%) Transfers = $ Closing (15%) Balance $3, $ All Withdrawals = Closing Balance $25.46 $5, Other $5.00 (0%) Sense Everyday Spending You ll find it easier to master your money, with BankSA SENSE. Both accounts are combined on the one easy-to-read statement, allowing you to see all your activity at a glance. Contact Us Sense Savings (8am - 8pm) 7 days a week BSB No Account No Statement 6 ( Page 1 of 6) Statement Period 01/04/09 to 30/04/09 Sense Savings Progress Set your savings targets and add to them automatically One of the best ways to master saving is to set targets, and BankSA SENSE can really help. 4 Not only will our BankSA SENSE Savings graphs let you see your target get closer, you ll also be able to watch your balance grow through top ups, competitive interest earnings and your own automatic transfers. Apr 08 Mar 09 Apr 09 Savings Target Savings Balance This chart is a high level breakdown of the transactions that you have made using your Sense Everyday Account, during the statement period*. Hints and tips on saving BankSA SENSE also gives you guidance in mastering your money. Along with clear, easy-to-read reporting on what your money s doing, we ll also include hints and tips on savings. Cash Home Expenses Daily Living Health & Education Transportation This chart is a helpful guide for your Sense Everyday spending.* Leisure Insurance & Super Loans Transfers Other Savings Target $10, Last Updated 19 January 2009 Hints & Tips: Did You Know?** DID YOU KNOW YOU CAN SET-UP A REGULAR DEPOSIT PLAN FROM YOUR SENSE EVERYDAY ACCOUNT TO YOUR SAVINGS ACCOUNT? YOU CAN DO THIS QUICKLY AND EASILY BY USING THE SCHEDULED PAYMENTS FACILITY WITHIN INTERNET BANKING. PLEASE VISIT FOR MORE INFORMATION. May 08 Jun 08 Jul 08 Aug 08 Sep 08 Oct 08 Nov 08 Dec 08 Jan 09 Feb 09 Mar 09 Apr 09 *Note that the breakdown of transactions is only a guide. It is not intended to be a substitute for your own budget or financial plan. **This information does not take account of your financial circumstances. Please read the terms and conditions before making a decision A Division of St.George Bank Limited ABN AFSL pg 1 of 5

4 BankSA SENSE We ll top up your change and boost your savings. BankSA SENSE can turn shopping into saving. Purchases 5 made using your Visa Debit Card 6 are rounded up to the next dollar. The topped up amount is automatically transferred from your BankSA SENSE Everyday transaction account to your BankSA SENSE Savings account. It s just like a virtual coin jar. 7 Here s an example of how BankSA SENSE helps you save: If you buy a t-shirt for $14.50, it will be rounded up to $15 and the 50c will be topped up into your BankSA SENSE Savings account from your BankSA SENSE Everyday transaction account. 8 BankSA SENSE EFTPOS Purchase $ SENSE Everyday account SENSE Savings account $ c Track your spending Track your savings

5 Want to spend when you need to, while you save without trying? Choose BankSA SENSE and master your money today. To find out more, just talk to us. Ask at any branch BankSA.com.au/sense 1 Other transaction fees and charges apply to the BankSA SENSE accounts. Daily transaction limits apply. 2 Monthly account service fee will be waived for each month in which deposits totalling a minimum of $2000 are made into a Sense Everyday Account by the last business day of the month. Other transaction fees apply. 3 The breakdown of transactions is a guide only, it is not intended to be a substitute for your own budget or financial plan. 4 Terms and conditions apply. This information does not take into account your financial circumstances. Before acting on this information, you should read the Terms and Conditions, available at any branch or BankSA.com.au and consider whether it is right for you. 5 Purchases using your FreedomCard, Maestro/Cirrus ATM Card and BPay will also be rounded. Purchases refers to purchases made in Australian dollars to a merchant in Australia. Registered to BPay Pty Ltd ABN Visa Debit Card available to customers who have an Australian residential address and who are over the age of We also round withdrawals using your Visa Debit Card when you press the credit button at an ATM, withdrawals from an Electronic Agency and through Bank@Post, and purchases made overseas using your Maestro/Cirrus ATM Card. 8 This is only an example. Please see the Terms and Conditions for more information. BankSA SENSE Everyday transaction account and BankSA SENSE Savings account are issued by BankSA A Division of Westpac Banking Corporation ABN AFSL and Australian credit licence BSA06051 (08/14)