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We have exciting news for you! Get ready to win one of 50 mega cash prizes in our exclusive prize draw. How to Enter: Simply use your Unity Bank Visa card and for every 30 eligible transactions between 28 April and 30 June 2025, and you'll automatically earn an entry into our mega prize draw. The more you use your Visa card, the greater your number of entries into the prize draw! Why Participate? Easy Entries: Each set of 30 transactions gives you one automatic entry. Multiple Chances: The more you use your card, the better your odds. Fantastic Prizes: 50 lucky winners will take home incredible cash prizes: 1 x AUD $100,000 2 x AUD $50,000 8 x AUD $10,000 10 x AUD $5,000 11 x AUD $1,000 18 x AUD $500 Don't miss out on this opportunity to win big. Start using your Unity Bank Visa card today and get those entries in!   The Promoter is Visa AP (Australia) Pty Ltd (ABN 20 134 885 564) Level 39, International Tower 2, 200 Barangaroo Avenue, Barangaroo NSW 2000 Australia. Some transactions excluded. T&Cs apply, see visa.com.au/promotions/cuscal-cash-tc.html AU res 18+ w/valid Visa debit card/credit card issued by participating financial institution & must not be opted out of participating financial institution’s marketing comms. Ends: 11:59pm AEST 30/6/25. Limit 1 entry p/30 transactions made w/Visa card & max 1 prize p/person (excl SA). Draw: L3/162 Collins St, Melbourne VIC 3000, 1pm AEST on 14/7/25. Prizes: 1x $100K, 2x $50K, 8x $10K, 10x $5K, 11x $1K & 18x $500. Winners published at visa.com.au/promotions/cuscal-cash-winners-2025.html from 18/07/25. Permits: NSW TP/04034, ACT TP25/00858, SA T25/651

Members are advised of an important change in how you make payments into your account due to recent industry changes. What’s changing? If you’re sending money into your account using Osko, you’ll now need to use: Our new BSB number (659 000), and your new Member Number or new Account Reference Number. These changes ensure your payments are processed quickly and correctly. Standard bank transfers are not affected by this change. However, we recommend using our new BSB and your new Member Number or New Account Reference Number for all transfers to ensure future compatibility and smoother processing. What do you need to do? Please update your payment details wherever you make or receive payments (such as saved payees, or third-party payment services) to reflect this new information. If you’re unsure of your new Member Number or new Account Reference Number, or you have any questions, our team is ready to help you on 1300 36 2000 or at mail@unitybank.com.au

Today marks an important milestone as the merger-of-equals between G&C Mutual Bank and Unity Bank takes effect, with the legal merge and banking system integration taking place on 7 March 2025. This follows the earlier regulatory approval and overwhelmingly positive member vote and is the culmination of over 18 months of planning and collaboration by staff across both organisations. Unity Bank CEO Danny Pavisic and G&C Mutual Bank CEO Rosanna Argall noted that the successful completion of the merger helps secure a strong future as one of Australia’s leading mutually owned banks. "Both organisations have always prioritised the needs of our members and the communities we serve, and this merger creates an even stronger platform for us to fulfill that mission. As we move forward together, we are excited to offer even greater benefits to our members and continue our legacy of trust, service, and community engagement.” Member benefits of the merger include access to an expanded branch network, continuity of access to exceptional staff and face-to-face service, improved product range with fewer and lower fees, increased ability for technological investment, scale efficiencies and a continued commitment to member first principles of mutuality. At a combined $3.8b in assets, the merger provides even greater opportunity to continue the strong growth of the organisations, with both having tracked well above system growth in recent years. The merged entity will be G&C Mutual Bank Limited immediately following the merger, changing to Unity Bank Limited from 1 July 2025. The G&C Mutual Bank, Unity Bank and Reliance Bank brands will be retained and consolidated into a single Unity Bank brand over the next 12 months.

As part of the merger with G&C Mutual Bank, members are advised that the Account and Access Facilities Terms and Conditions of Unity Bank and G&C Mutual Bank have been combined. While there are no significant changes to the terms themselves, we want to ensure that members are informed about this update. The combined Account and Access Facilities Terms and Conditions are effective as of 7 March 2025. We recommend you take the time to read through the Account and Access Facilities Terms and Conditions, to familiarise yourself with the document and understand how it may impact you. By using your account and access facilities with Unity Bank and G&C Mutual Bank after the date the changes take effect, you agree to the combined terms and conditions applying.

We are reducing the interest rate for the following savings products, effective 1 March 2025. MoneyMAX Account (S12) for balances $1 and over interest rate reduced by 0.35% to 4.35%1 Bonus Saver Account (S7) for balances $1 - $100,000 interest rate reduced by 0.25% to 4.20%2 Power-Up eSaver Account (S6) for balances $1 and over interest rate reduced by 0.25% to 2.65%3 Christmas Savings Account (S4) for balances $1 and over interest rate reduced by 0.25% to 1.60%4 Pensioner Security Account (S8) for balances $1 - $45,400 interest rate reduced by 0.25% to 2.61%5 Pensioner Security Account (S8) for balances $45,400.01 and over interest rate reduced by 0.25% to 2.75%5 For more details, please visit the Savings Interest Rates page here.   Important Information Eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change. Interest rates are on a per annum basis. These products are issued by Unity Bank Limited ABN 11 087 650 315 AFSL/Australian Credit Licence 240399. Reliance Bank is a division of Unity Bank Limited. You should consider our Account & Access Facilities Conditions of Use before making a decision. 1. Interest is calculated daily and paid monthly. Interest rate applies to account balances over $1. 2. Bonus interest rate applies to account balances under $100,000 if those accounts have a minimum monthly deposit of $50 and no withdrawals, transfers within the calendar month. Standard interest rate applies to account balances over $100,000, and up to $100,000 if the account does not meet above criteria for bonus interest rate. Example: Member’s bonus saver account balance is $112,413.59 at the end of the month. During the month member has deposited $50 and made no withdrawals. Bonus interest is payable on $100,000 and standard interest is payable on $12,413.59. Interest is calculated daily and paid monthly. Bonus interest rate is currently 4.19% and standard interest rate is currently 0.01%. Rates are subject to change. Personal banking only. Only one bonus saver account can be opened per membership. 3. Interest is calculated daily and paid monthly. 4. Interest is calculated daily and paid quarterly. Withdrawals only available from 1 November to 31 January. 5. Interest is calculated daily and paid quarterly. Special Note: Members over 65 years of age are automatically exempt from paying the Monthly Usage Fee, no application for exemption forms are required.

Your Unity Bank Visa card is giving you new ways to win! Pay with your Unity Bank Visa Card and you could win a trip to the Melbourne Race Weekend. It’s easy: simply use your Unity Bank Visa Card between 13 January, 2025 to 20 February, 2025 and every 10 qualifying transactions will earn an entry. The more transactions, the greater your chance to win.  Prizes include: 1 of 4 Melbourne Race Trips including flights* and 4 nights’ accommodation Or 1 of 16 exclusive merchandise packs So, get tapping and you could be off to the races!   T&Cs apply (visa.com.au/promotions/terms-and-conditions-cuscal-race-weekend.html). AU 18+, Visa debit/credit card holders issued by Participating Financial Institutions (see terms). Ends 20/2/25. 1 Prize p/person (excl SA) *Including $2k flight voucher for flights NSW Authority No. TP/04034. ACT Permit No. TP24/02971. SA Permit No. T24/2262.