Investor Presentaiton

13 Australian Building balance sheet flexibility and resilience Unity 300.0 Debt maturity profile² ($m) ■ Prioritised financial flexibility and resilience 250.0 ■ Enhanced liquidity and capital buffer in key businesses 200.0 ■ Heightened cash reserves 150.0 Established new LMS for AUCS 100.0 ■ $30m repayment of AUHL subordinated debt 50.0 5.4 In 2019, the Corporations Act 2001 (Cth) was amended to recognise the mutual corporate form 5.1 FY2020 20.0 18.0 250.0 FY2021 FY2022 Enabling legislation for Mutual Capital Interest passed by Parliament ■ One significant maturity tower remaining in FY211 Retirement Village Investment Notes I Herston Quarter Redevelopment Project Loans³ I Series B Australian Unity Bond Tranche 1 I Revolving Loan Facility (Undrawn)" I Other external loans 1 Australian Unity Limited (AUL) is giving consideration to an offer of Simple Corporate Bonds, the net proceeds of which would be used for general corporate purposes. However, no decision has been made to proceed with any offer, and any offer would be subject to appropriate market conditions being maintained in the short term. Any offer would be made under a '2-part' Simple Corporate Bonds prospectus and if any transaction were to proceed, investors wishing to participate would need to apply using an application form accompanying the prospectus 2 Funding maturity profile shows consolidated interest bearing liabilities as at 30 June 2019 that contribute to the gearing ratio, excluding ADI borrowings 3 Loan facilities from a related entity for the development of the Herston Quarter health precinct in Brisbane, Queensland. The facilities are sized to cover development costs of car park and public domain assets at Herston Quarter that are scheduled for practical completion in Q2FY21, and are expected to be up to $45 million 4 $25 million revolving loan facility maturing March 2021 Health Wealth | Living

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