Investor Presentaiton

23 Retail highlights* EL Health insurance Delivered lowest average premium increase to members in 18 years, approximately in line with industry average Implemented private health insurance industry reforms including the launch of new products, rationalisation and simplification of the product portfolio and re-classification of products in line with the new gold-silver-bronze-basic product tiers Policyholders decreased by 4.0% to 185,936 (2018: 193,771) reflecting declining industry growth and a considered strategy to review profitability of distribution channels Banking Big Sky Building Society Limited renamed Australian Unity Bank Limited Total assets increased by $108.6 million to $886.0 million (2018: $777.4 million) Maintained strong lending momentum with $173.3 million in new loans written Consolidated retail general insurance offering with a single provider Standard & Poor's (S&P) Ratings recently upgraded Australian Unity Bank's issuer credit rating to 'BBB+' from 'BBB' * Figures at 30 June 2019, unless otherwise noted Australian Unity Health Wealth | Living

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