Thank you for choosing APS Savings

Here, you can apply for a Term Investment or a NOW (Notice of Withdrawal) account.

Before proceeding with this application, you must read the Prospectus, this is found on the next page.

You should also read the APS Benefits Group Privacy Policy, which is available here. This sets out key information about why we collect your personal information, how we use, disclose and secure it prior to completing this application.

We look forward to receiving your application soon!

Online Prospectus Terms and Conditions

The following document is an electronic reproduction of the APS Savings Limited Prospectus No. 14 dated 16 December 2025 (‘Prospectus’) being the day it was lodged with the Australian Securities and Investments Commission (‘ASIC’). ASIC takes no responsibility for the content of the Prospectus. The Prospectus expires on 15 January 2027.

The offer to invest in APS Notes of APS Savings Limited referred to in the Prospectus (‘the Offer’) will remain open until 15 January 2027, however, APS Savings Limited reserves the right to close the Offer at any earlier time.

Agreement to access the Online Prospectus

To access the APS Savings Limited Online Prospectus and Investment Application Form, you must first read and agree to the following terms and conditions.

APS Notes of APS Savings Limited will only be issued based on an Investment Application Form accompanying a paper version of the Prospectus, or on a completed printed copy of the Investment Application Form attached to the electronic version of the Prospectus, following the exposure period. As a guide, the Prospectus is 46 pages in length, and the Investment Application Form is 4 pages in length.
The Corporations Act prohibits any person from passing on to another person any Investment Application Form unless it is accompanied by a hard copy of the Prospectus or, in the case of an electronic Prospectus and Investment Application Form, is linked to the complete and unaltered online form of the Prospectus. Investors should read the Prospectus before completing the relevant Investment Application Form.
Applicants should read the Prospectus in its entirety, as the information contained in individual sections is not intended to and does not provide a comprehensive review of the APS Notes offered under the Prospectus. Applicants are advised to seek independent professional advice, before applying for APS Notes under the Prospectus.
The Offer is only available to persons within Australia. Any person accessing this Prospectus for the purpose of investing in APS Notes offered by APS Savings Limited must access the Prospectus from within Australia.
The Prospectus does not constitute an offer in any place in which, or to any person to whom, it would not be lawful to make such an offer. The distribution of the Prospectus in jurisdictions outside Australia may be restricted by law and persons who come into possession of the Prospectus should seek advice on and observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable securities law.
APS Savings Limited reserves the right to refuse to issue APS Notes to any applicant if it believes the applicant did not:
- receive the Offer in Australia;
- have access to the Prospectus at the same time and by the same means that the applicant had access to the relevant Investment Application Form.
A paper copy of the Prospectus, any replacement or supplementary Prospectus, or the Investment Application Form can be obtained on request and without charge from the registered office of APS Savings Limited at 440 William St West Melbourne, Victoria 3003 or by calling 1300 131 809.

I agree to the Terms & Conditions *

I have read and acknowledged the APS Savings Limited Prospectus *

Number of Applicants *

Is this application on behalf of a business? *

YesNo

Does this business already have investment account(s) with APS Savings? *

Yes No

Company name *

ABN *

Business Phone *

Business Email *

Registered Business Address *

Street address *Street address line 2

City *

State *

Postcode *

Is the postal address the same as the registered business address? *

YesNo

Business Postal Address *

Street address *Street address line 2

City *

State *

Postcode *

If you are applying on behalf of a business of trust please provide the following documents:-

If you are applying on behalf of a business of trust, please provide any applicable documents such as:

A certificate of incorporation of a company ASIC (Australian Securities and Investment Commission) and/or an annual statement including the amendments submitted to ASIC
A trust deed
A partnership agreement
The constitution and/or certificate of incorporation for an incorporated association
The constitution of a registered cooperative.

Please note signatories of any company, trust or other entity that are not a member of APS Benefits Group must also complete the individual identification

Please attach your documents here *

Browse

Applicant One

Are you a member of APS Benefits Group? *

YesNo

Member Number *

Is applicant one a child? *

YesNo

Title *

Given Name(s) *You must include all legal middle names.

Last Name *

Date of Birth *

Email Address *

Phone Number *

Residential Address *

Street address *Street address line 2

City *

State *

Postcode *

Is your postal address the same as your residential address? *

YesNo

Postal Addresss *

Street address *Street address line 2

City *

State *

Postcode *

Tax File Number

You are not required by law to provide your Tax File Number (TFN). APS Savings is authorised under Part VA of the Income Tax Assessment Act 1936 to request TFN information from investors. If you are an Australian resident and you do not provide your TFN, APS Savings must deduct withholding tax from any interest income paid at the highest marginal rate.

Applicant 1 Identification Documents

Please provide 2 different forms of identification (ID) documents.

Your ID documents must contain your full legal name including all middle names as shown on this application.

You have indicated Applicant One is a child.

Please provide a copy of the child's birth certificate below.

The birth certificate must contain your full legal name including all middle names as shown on this application.

Please upload the child's birth certificate *

Browse

Indentification Document Type *

Australian PassportMedicare Card

Passport Number *

Medicare Card Number *

Medicare Card Expiry *

Your name reference number *The Medicare reference number is the number next to your name on your card

APS Benefits Group will also send you a link via SMS to the mobile number listed on this application in order to verify your drivers licence and biometric information as a part of our identity verification process.

I confirm that I am authorised to provide the personal details presented and I consent to my information being checked with the document issuer or official record holder via third party systems for the purpose of confirming my identity. *

Applicant 2

You have indicated that applicant one is a child. Please choose your relationship to the account. *

I will be a joint account holderI will be a signatory to the account

Are you a member of APS Benefits Group? *

YesNo

Member Number *

Title *

Given Name(s) *

Surname *

Date of Birth *

Email Address *

Residential Address *

Street address *Street address line 2

City *

State *

Postcode *

Is your postal address the same as your residential address? *

YesNo

Postal Address *

Street address *Street address line 2

City *

State *

Postcode *

Applicant 2 Tax File Number

Tax File Number

Applicant 2 Identification Documents

Please provide 2 different forms of identification (ID) documents.

Your ID documents must contain your full legal name including all middle names as shown on this application.

Document Type (choose 1) *

Australian PassportMedicare Card

Passport Number *

Medicare Card Number *

Medicare Card Expiry *

Your name reference number *The Medicare reference number is the number next to your name on your card

Account Details

Amount invested** (Including funds being renewed if applicable) *

I am renewing my existing investment number and adding additional funds

Type of Investment *

*Interest for 31 Day NOW Account Notes is calculated daily and credited to the investment on the first day of each month.

Interest to be paid by: *

BSB *

Account Number *

Account Name *The account must be in the name of the applicant(s).

Type of Investment *

Method of Operation *

Interest on APS Notes is paid monthly on the anniversary of the investment. Interest rates and investment terms may be varied by APS Savings Limited at any time. Variations only apply to applications lodged on or after the date of variation. Current interest rates for APS Notes in APS Savings Limited are set out on our Interest Rate Card, which can be obtained from our office, or www.apsbenefitsgroup.com.au/term-investments. Applicants are advised to confirm with APS Savings Limited that the Investment Application Form and Interest Rate Card are still current prior to completion of this form. If the interest rate or investment period specified in any application made by an investor is out of date, application monies may be refunded on the terms set out in the Prospectus.

Investment Account Credit Details

If your financial institution has withdrawal limits please contact them to ensure APS Savings can debit the full amount.

BSB *

Account Number *

Account Name *

Type of Account *

The nominated bank account must be in the same name/s as the applicant/s. Third party accounts will not be accepted. We may take additional steps to verify the accuracy of any bank account details provided to us. If a joint bank account is nominated, both parties must sign.

I/We request and authorise APS Savings Ltd (ABN 21150630694 & AFSLN 405934) to arrange for to arrange for the amount to be invested (as specified in this Investment Application Form) to be debited from my/our account at the financial institution identified above through the Bulk Electronic Clearing System and paid to APS Savings Ltd in relation to I/my Term Investment application attached.

I/We have read and agree to the Direct Debit Terms and Conditions between me/us and APS Savings Ltd

Account Holder 1 Signature *

Clear

Account Holder 2 Signature *

Clear

Authorised Account Signatory 1 *

Clear

Authorised Account Signatory 2 (if required)

Clear

Declarations

Declaration

By submitting this Investment Application Form, I/we declare that I/we:

•wish to apply for APS Notes of APS Savings Limited ABN 150 630 694 (‘APS Savings’) as detailed above on the terms and conditions contained in Prospectus No. 14 dated 16 December 2025 (‘the Prospectus’) and on this Investment Application Form;

•have received a copy of the Prospectus and have read the Prospectus in full;

•agree to be bound by the provisions of the Trust Deed referred to in the Prospectus as amended from time to time and to be registered as the holder of the APS Notes;

•represent and warrant that all details and statements made by me/us are complete and accurate and acknowledge that APS Savings will not be liable for any errors or omissions in any information provided by me/us or a person duly authorised to act on my/our behalf;

•agree and consent to APS Savings collecting, holding, using and disclosing my/our personal information in accordance with the Privacy Collection Statement and the Privacy Policy;

•where I/we have been provided information about another individual, warrant that I/we have obtained that individual’s consent to disclose their information to APS Savings;•acknowledge that once APS Savings accepts my/our Investment Application Form, I/we may not withdraw it;

•acknowledge that my/our application may be rejected or scaled back by APS Savings in its absolute discretion and that in that case all or some (as applicable) of my/our application monies will be refunded to me/us exclusive of interest as soon as practicable;

•acknowledge that APS Savings may act on any instruction, without further enquiry or delay, from any person that APS Savings reasonably believes to be me/us or a person duly authorised to act on my/our behalf and, to the extent permitted by law, APS Savings will not be liable for any loss or damage resulting from APS Savings acting in accordance with what APS Savings reasonably believes to be your instructions;

•authorise APS Savings and its representatives and agents to do anything on my/our behalf necessary (including the completion and execution of documents) to enable the APS Notices to be issued to me/us;

•am/are over 18 years of age;

•acknowledge that APS Savings do not guarantee any particular rate of return on the APS Notes, and that the APS Notes are not bank deposits and the depositor protection provisions in under Australian banking legislation will not cover APS Notes;

•acknowledge that the information contained in the Prospectus (including any supplementary or replacement prospectus) is not investment advice or a recommendation that the APS Notes are suitable for me/us, and that APS Savings has not taken into account my/our investment objectives, financial situation or needs;

•am/are not considered a resident of the United States for tax purposes;

•have not received the Prospectus outside Australia and am/are not acting on behalf of a person resident outside Australia;

•represent and warrant that I/we am/are not prohibited by law from being given the Prospectus or making an application;•acknowledge that this Investment Application Form is not to be handed to any person unless accompanied by the Prospectus to which it relates;

•acknowledge that no APS Notes will be issued on the basis of this Prospectus after 15 January 2027; and•understand and agree that APS Savings may disclose my/our name, address and/or date of birth to a credit reporting body (‘CRB’) to assist us to verify my/our identity as required by anti-money laundering and counter-terrorism financing laws and regulations. APS Savings may request the CRB to provide an assessment of whether the personal information it holds matches (in whole or part) personal information held by the CRB and the CRB may prepare and provide APS Savings such an assessment. The CRB may use the personal information provided by APS Savings and personal information of other individuals held by the CRB to prepare such an assessment. I/we understand that an alternative means of verifying my/our identity has been made available to me/us.

Privacy Collection Statement

I consent to receiving direct marketing communications about APS Savings products and services (optional).

I/we consent for APS Savings to provide me/us with access to APS Online

Applicant 1: I am a Politically Exposed Person (PEP - refer section 4.1 in the Prospectus)

Applicant 1 Signature

Clear

Applicant 2: (if applicable)- I am a Politically Exposed Person (PEP - refer section 4.1 in the Prospectus)

Applicant 2 Signature

Clear

How did you hear about APS Savings? *

Have you used any other APS Benefits Group Services? (choose any that apply)