AUL FY21 Investor Presentation

Retail Adjusted EBITDA ($m) ■FY2020 61.2 ■FY2021 81.8 Retail Segment Revenue ($m) ■FY2020 ■FY2021 709.5 704.6 Retail AUL FY21 Investor presentation 180 Australian Unity YEARS Real Wellbeing • • • • Delivered a strong financial result despite the significant challenges and disruption presented by the COVID-19 pandemic Adjusted EBITDA of $81.8 million-33.6% higher than the PCP While revenue marginally decreased, saw growth in the number of private health insurance (PHI) policyholders of 1.7% (excluding overseas visitor cover policyholders), postponed the April 2020 premium increase to October 2020 and April 2021 premium increase was the lowest premium rate increase in 20 years $18m of COVID-19 support measures, with a further ~$6m in premium relief in FY22 Lower claims expenses incurred (with COVID-19 related claims catch-up slower than expected) resulting in deferred claims liability increasing from $37.6m to $51.3m • Total operating expenses down 3.9% to $622.8m Figures at 30 June 2021, unless otherwise noted 25

View entire presentation