Financial Performance and Remediation Update

ENHANCED UNSECURED PROPOSITION • • SIMPLIFYING EVERYDAY BANKING Debit cards added to 3rd party wallets (including Apple Pay) without the need to wait for a physical card Cards and personal loan applications can now be completed without re- authenticating and with pre-filled data, increasing conversion rates NAB BUSINESS CREDIT CARDS Partnership with EedenBull allows NAB business card customers to have more control and oversight of expenses . STRAIGHTUP CARD Launched the NAB StraightUp Card in 2H20, Australia's first no-interest credit card NAS STRAIGHTUP nab more than money Your card naba money Your card About you Employmen About you Employmen‣ EedenBull About you To save time we have pre-filled some information: Pre-filled personal details Pre-filled financial details Previous YOU'RE APPLYING FOR: Next Confirm your details We have pre-filled your information from your last application with us. You don't need to use this information, but if you do please ensure you review and update anything that has changed. For information that is not editable, please contact NAB on 13 22 65 or visit your nearest branch. +12% • Rates & Fees apps completed Visibility of all transactions and receipts on single dashboard Real time expense capture and categorisation Integration with existing accounting platforms 50 50 F A VISA NAB's most popular credit card product 30% of NAB's credit card applications in FY21 Millennial appeal 37% More applicants under 35 years old vs other cards National Australia Bank

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