Investor Presentaiton

ENHANCING CONSUMER CUSTOMER EXPERIENCE NAB STRAIGHTUP CARD . • Launched the NAB StraightUp Card, Australia's first no- interest credit card, in response to customers wanting access to credit that is simple and easy to understand Key card features include No interest, no late payment fees, no foreign currency fees and no use, no pay 1 – all for one simple monthly fee Can be used anywhere Visa is accepted, online or instore Supported by all major digital wallets including Apple Pay, Google Pay, Samsung Pay and NAB Pay Access to $1k, $2k or $3k credit limit NAB STRAIGHTUP SIMPLE CONSUMER PRODUCT SALES VIA DIGITAL² 65% 51% 41% 31% FY17 FY18 FY19 FY20 GAMBLING RESTRICTIONS • Introduced an option for customers to block gambling transactions in the Mobile App for personal debit and credit cards, the first Australian bank to offer the option via app >47k customers switched on blocks on >64k cards 51 VISA (1) Monthly fee reversed where there is no amount owing and the card has not been used during the relevant statement period (2) Simple consumer products refer to transaction accounts, savings accounts, credit cards and personal loans Gambling transactions Includes cash advances and cash transfers National Australia Bank

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