SAGA Investor Update

Impact of COVID-19 to date - Operational resilience • • • Strong progress from largely unaffected Insurance business underpins cash flow and profitability. 2,300 colleagues set up to work from home Call centre colleagues fully enabled to work from home with no disruption Call answer rates excellent in circumstances, above 98% Very quick adoption of new ways of working - Both ships rapidly put into Tilbury dock – significant logistical effort All cruise colleagues have been able to return back to their home location 3,000 Tour Ops customers repatriated - only 80 passengers still overseas Government furlough of colleagues is underway Operational resilience tested – so far we are doing well - SAGA Investor update 2 April 2020 9

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