Investor Presentaiton

5 SCALE AND ACCESS TO CAPABILITY WILL ACCELERATE OUR AMBITION Increased scale will support innovation in an evolving unsecured lending and payments market • Increased access to transactional data with ~1.0 million additional unsecured lending customers Incremental scale to NAB Personal Bank (Jun 21) Scale supports investment in new technology to deliver market leading digital capabilities; and drive product innovation to deliver market leading customer experiences and adapt to changing customer preferences • Combined business to be the 2nd largest credit card provider in Australia based on outstanding balances Non-housing Loans ($bn) 4.5 4.3 8.8 +95% Non-housing lending 1.5 customers (m) ■ NAB Personal Bank 1.0 2.5 + 70% ■Citigroup Citigroup management expertise will help drive improved outcomes across the combined unsecured lending business >>>>> Experienced consumer banking management team with ~10 year average tenure at Citigroup White label partnerships and product management experience Experience in campaign modelling and advanced analytics - improves customer acquisition and retention Track record of product innovation including development of digital BNPL offering in Australia National Australia Bank

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