Investor Presentaiton

46 Investing in the Westpac digital experience. Face ID W SAV Reader toy 요 Customer franchise EFTPOS Now Next generation smart terminals • Improved experience for merchants and their customers with Portability for ease of use Digital receipts features to support accessibility Android-based operating system offering integrated apps to support industries, such as retail and hospitality Currently in pilot with new applications, LitePOS (point of sale), cloud-based POS integration app (MX51) and customer loyalty Rolled-out 18,000 new terminals (EFTPOS Now and Connect) EFTPOS Air • • Launching EFTPOS Air, 'Tap on Phone' technology, turning a NFC-enabled Android phone into a payment terminal via an app no additional hardware required - A fast, simple, and cost-effective method of accepting in-person payments for small businesses Flat fee structure, no lock in contract Simple set up approved online and begin taking payments via the app Email receipts and invoices Live sales analytics and reporting Same day business settlement Expanding availability across small business customers from Jan-23 Safety and security Dynamic CVC used by ~13,000 customers per day, reduces card fraud by 80% versus cards with static CVC Biometric fraud detection being used, resulting in better customer experience and less identity theft Real-time blocking of potentially questionable online merchants, ~$58m for 204,000 customers blocked since Jan-22 Progressively rolling-out advanced customer behavioural tool to help combat remote access scams Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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