AUL FY21 Investor Presentation

IAL highlights Home Care Services (HCS) Residential Communities Remedy Healthcare Dental 180 YEARS Australian Unity Real Wellbeing Development pipeline • • EBITDA increase of $10.7m1 to $29.4m from improvement initiatives and significantly reduced non care worker travel, offsetting cost increases associated with COVID-19 related Personal Protective Equipment (PPE) Approx. 3m hours of care delivered to 38,000+ customers by 3,021 care workers Total Home Care Packages (HCP) under management reached 8,824, an increase of 1,850 on the prior year Aboriginal Home Care business unit delivered approx. 240,000 hours of care to 2,400+ clients by 196 care workers • • • • • Owned and operated 21 retirement communities across Victoria and NSW, comprising 2,496 independent living units (30 June 2020: 2,496) Occupancy levels across portfolio's mature retirement villages remained high at over 94% Owns and operates seven aged care facilities in Victoria and NSW, incorporating 786 aged care beds (30 June 2020: 786) Mature aged care portfolio continued to achieve top-quartile occupancy at above 95% Restricted and contained any COVID-19 outbreaks in facilities • Increased revenue by 44.2% to $41.0m, driven predominantly by Allied Health Services (30 June 2020: $28.4m) Delivered 410,000+ episodes of care across 14 treatment programs Despite COVID-19, delivered more than 6,900 'hospital substitution' programs-an increase of 53.1% on the PCP 1 Comparative information has been restated following adjustments made to prior year financial statements. • • Six dental clinics operating in Victoria Industry significantly impacted by COVID-19 restrictions, forcing clinics to cease operating for an extended period, except for permitted emergency dental treatment Patient visits declined by 8.3% to 41,187 due to Victorian government restrictions on non- essential dental services (30 June 2020:44,915) Continued to progress development pipeline including the redevelopment of the 120 bed Walmsley Residential Aged Care Facility in Kilsyth, Victoria, and a vertically integrated residential aged care and assisted living development in South Melbourne, Victoria comprising 84 aged care beds and 71 assisted living apartments programmed to be completed mid-late 2022 AUL FY21 Investor presentation Figures at 30 June 2021, unless otherwise noted 19

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