Annual General Meeting (‘AGM’) 26 November November 2013

Agenda Item 1 Chairman’s Welcome and Opening Address

Agenda Item 2 Reports

Changed status from a credit union to a bank Standard and Poor’s international credit rating Successful merger New product Highlights of 2012/13

New trading name Reduced operating costs Reduced fees Have continued to grow Highlights of 2012/13

Members200,000 Employees600 Assets Under Management$4 Billion Branches / 13 Pre Tax Profit$32.2 Million 2012 / 13 After Tax Profit$23.2 Million Some Key Figures

30/06/200530/06/2013 Total Income$78.3 million$245.2 million Total Assets$895 million$3.8 billion Total Deposits$786 million$3.05 billion Total Loans$797 million$3.3 billion Total Reserves$65.2 million$315.2 million Net profit before tax$9.6 million$32.2 million Net profit after tax$6.6 million$23.2 million Capital Adequacy12.2%16.3% Cost/Income75.73%70.63% Comparison 30 June 2005 & 30 June 2013

2013 AGM The Year Ahead

2013 AGM Directors’ Report

2013 AGM 2013 Annual General Meeting Financial Report by Debbie Goodin Chair Board Audit Committee 2013 Annual General Meeting Financial Report by Debbie Goodin Chair Board Audit Committee

2012/13 Performance Overview

Beyond Bank Australia

Being loans in arrears > 30 days as a portion of the total loan portfolio Beyond Bank Australia

Lower 2013 profitability due to reduced member fees and charges and a significant investment in strategy but 2014 expected to improve Prudential standing maintained with strong capital adequacy and liquidity levels Credit quality of loan portfolio pristine with arrears levels further reducedOngoing focus on internal controls to minimise fraud lossesThanks to management team and staff for an outstanding result In Summary…

2013 AGM Retirement of two Directors

Agenda Item 3 Election of Directors

6 candidates – 3 vacancies 6 candidates – all assessed “fit and proper” Computershare Pty Ltd – conduct an independent ballot

Results of Ballot Number of votes cast for each candidate: 1. Steve Nolis 3,548 (appointed for a 3 year term) 2. Heather Webster 3,519 (appointed for a 3 year term) 3. Geoffrey Knuckey 3,268 (appointed for a 3 year term) 4. Margaret Patrick (Carmody) 2, Christina Ryan 2, Geoffrey Parnell 1,315

Information about Proxies Received and Voting Process 2013 AGM

Details – Proxy Instruments

Agenda Item 4 Appointment of a Director: Resolution 1

Appointment of a Director Resolution to be put: “That Steven Arndt’s appointment as an elected Director of Beyond Bank Australia from the end of the 2013 AGM until the end of the 2015 AGM be ratified.”

Agenda Item 5 Proposed amendments to the Constitution due to bank designation: Resolution 2

2013 AGM Resolution to be put: “That the Constitution of Beyond Bank Australia be hereby amended as set out in Explanatory Note 3 on the Item of Business section of the Notice convening the meeting.”

Agenda Item 6 Other proposed amendments to the Constitution: Resolution 3

2013 AGM Resolution to be put: “That the Constitution of Beyond Bank Australia be hereby amended as set out in Explanatory Note 3 on the Item of Business section of the Notice convening the meeting.”

2013 AGM Other Business - Opportunity for Members to ask Questions

2013 AGM Announcement of the voting results

2013 AGM Close