Financial Performance and Remediation Update

RESHAPING OUR PORTFOLIO - MLC EXIT AND BOLT ON ACQUISITIONS :86400 Sign up in 120 seconds >70% HL growth since completion MLC Wealth transaction completed in May 2021 86 400 and UBank to deliver market leading digital bank experience Innovating with new features and offerings Introduced Smart Search, enabling search across 86 400 and connected accounts Visibility of Super and Investment accounts Launched direct to customer home loans Search total 6 transactions Woolworths Double Bay: 14 Aug 2021 86 400 Cancel Woolworths 17 May-17 Aug Pay account X Amour -$23.79 -$6.51 14 Aug 20211 Woolworths Metro The Kitchen ... 86400 -$4.73 (5 Woolworths Metro Surry Hills -$4.00 12 Aug 2021 86 400 Woolworths Metro Surry Hills -$3.30 29 Jul 2021 86400 UBANK +12% growth in customer numbers FY20 FY21 Smart Search functionality ■ UBank 86 400 Proposed acquisition of Citigroup's Australian consumer business to build a more scalable business Increased access to transactional data with ~1m additional unsecured lending customers Milestone Completion TSAs Timeframe 1H CY2022² Combined business to be the 2nd largest credit card provider in Australia¹ Full integration ~ 30 months Mid 20243 Scale supports investment in new technology 13 (1) Based on outstanding balances as at Sep 21 (2) Targeted completion timeframe, subject to regulatory approvals (3) Subject to completing on expected timetable National Australia Bank

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