AUL HY2023 Investor Presentation

Building balance sheet flexibility and resilience 30 June 2022 ($m) 1 Mutual Capital Instruments Other external loans Undrawn Revolving Loan (New) 400 ■Series D AUL Bonds 350 Undrawn Revolving Loan 300 Undrawn Development Loan Drawn Development Loan 250 ■Retirement Village Investment Notes ■Series C AUL Bonds 200 150 Repaid Revolving Loan 350 17 19 18 100 207 91 50 50 115 5 35 I FY2022 FY2023 FY2024 FY2025 FY2026 FY2027 Perpetual 400 350 31 December 2022 ($m) 1 300 250 200 8 350 150 27 18 100 207 100 115 50 5 35 FY2022 FY2023 FY2024 FY2025 FY2026 FY2027 Perpetual AUL HY2023 Investor presentation Australian Unity Real Wellbeing Continued to build flexibility into the balance sheet, positioning for strategic opportunities to be realised. Key activities during HY2023 included: . • • Repayment of $9m corporate bank facility Refinancing of $100m of corporate bank facilities for 3.25 years, increasing the tenor of the debt portfolio Walmsley RAC centre successfully reached practical completion and has recorded a strong start to operations Currently the Group has a strong liquidity position of $135m of undrawn committed debt facilities and $109m of cash 1 Funding maturity profile shows consolidated interest bearing liabilities as at 30 June 2022 and 31 December 2022 that contribute to the Covenant Gearing Ratio debt (excluding Authorised Deposit- Taking Institution (ADI) borrowings) and Australian Unity Limited's Mutual Capital Instruments, which contribute towards gearing ratio equity. 15

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