AUL FY2023 Investor Presentation

• FY2023 operational review cont. Market impacts • • . Australian Unity Real Wellbeing Markedly different operating environment compared to the prior year, following the unwinding of most of the COVID-19 pandemic restrictions Economy, businesses and communities faced the post-pandemic impact of significant investment market disruption and volatility, increasing inflation, rapidly increasing interest rates and policy interventions in industry settings Impact of the COVID-19 pandemic continued to be felt in many ways across the Group's businesses. We continued to respond to these conditions by maintaining, and where possible improving, levels of service and responsiveness to the needs and wellbeing of members, customers and employees, while pursuing efficiency measures to mitigate risks and curtail expenditures Australian Unity remains positive about its capacity to respond to these challenges, including those posed by higher inflation, and looks to seize the opportunities arising from the external environment of uncertainty and market disruption Announced the deferral of the implementation of the 2023 premium increase for private health insurance (PHI) policyholders from 1 April 2023 to 1 November 2023 In addition, announced with these full-year accounts that it plans a further deferral of the 2023 premium increase until 1 April 2024 This deferral adds to the package of financial support and relief measures previously provided to support PHI policyholders through the pandemic and is in recognition of the impact of restrictions on access to some healthcare services, and will bring the total support measures to some $98m Further consumer support measures for eligible PHI policyholders will be considered by the board AUL FY2023 Investor presentation Figures at 30 June 2023, unless otherwise noted 9

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