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Investor Presentaiton

8 About Virgin Money Australia Virgin brand universally recognised as a challenger in the global and Australian market, with growing awareness and consideration in financial services VMA established in Australia in 2003. Relaunched with new strategic partnerships and a new range of banking and insurance products commencing 2009 ▸ Partnership distribution model (ie. no product manufacturing) - working with leading financial services product manufacturing partners to bring simple products to market, leveraging brand and marketing, direct channel management and customer experience Currently servicing over 150,000 financial services customers, growing strongly at ~30% pa in the past 12 months with high customer satisfaction Product Credit Cards Super Alliance Partner/s Citigroup Start Year July 2010 The Trust Company (Trustee), Pillar Administration (Administrator), BNP Paribas (Custodian) June 2005 Life Insurance General Insurance TAL (formerly TOWER) Auto & General Insurance (part of the Budget Group), Allianz Global Assistance Feb 2011 May 2009 October 2012 Bank of Queensland Limited ABN 32 009 656 740 Virgin money BOQ Your own personal bank
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