Additional commission applicable as $51k ≥ $50k From 1 December 2018 New settled home loan with funds in offset account Original facility limit $500k Date Loan account balance Offset balance Net balance Comments 3/12/2018 $    500,000  $                   -  $  500,000 Loan settles for $500k 12/12/2018  $  100,000  $  400,000 $100k placed in offset at day 10 25/12/2018  $  160,000  $  340,000 $60k placed in offset before EOM 31/12/2018 Upfront paid in January based on net balance at EOM ($340k) 1/07/2019 $    492,000  $    90,000  $  402,000 $70k withdrawn from offset 31/12/2019 $    481,000  $  391,000 Upfront calculated on $340k Additional commission calculated on $51k* *$391k – $340k = $51k Additional commission applicable as $51k ≥ $50k

Additional commission not applicable as $-200k < $50k From 1 December 2018 New settled home loan with no initial funds in offset account Original facility limit $500k Date Loan account balance Offset balance Net balance Comments 28/12/2018 $    500,000  $                   -  $  500,000 Loan settles for $500k 31/12/2018 Upfront paid in January based on net balance at EOM ($500k) 7/12/2018  $  100,000.00  $  400,000 Funds placed in offset after month end. Not taken into account in upfront commission calculation 31/12/2019  $  200,000.00  $  300,000 $100k placed in offset Upfront calculated on $500k Additional commission calculated on N/A* *$300k – $500k = $-200k Additional commission not applicable as $-200k < $50k

Additional commission From 1 December 2018 New settled home loan with funds in offset account and principal increase within first 12 months Original facility limit $500k PI limit $100k Date Loan account balance Offset balance Net balance Comments 5/12/2018 $    500,000  $                   -  $  500,000 Loan settles for $500k 12/12/2018  $  100,000  $  400,000 $100k placed in offset at day 8 31/12/2018 Upfront paid in January based on net balance at EOM ($400k) 22/07/2019 $    497,000  $  497,000 $100k withdrawn from offset 23/12/2019 $    594,000  $    40,000  $  554,000 Principal increase of $100k fully drawn of which $40k is placed into offset. PI commission paid on $100k 31/12/2019 Upfront calculated on $400k PI calculated on $100k Additional commission calculated on $54k* *$554k – ($400k + $100k) = $54k Additional commission applicable as $54k ≥ $50k For principal increases of $40k or below, there is a fixed commission payment of $200 ex GST

Future state New settled home loan with funds in offset account Original facility limit $500k Date Loan account balance Offset balance Net balance Comments 5/03/2019 $    500,000  $                   -  $  500,000 Loan settles for $500k 14/03/2019  $  200,000  $  300,000 $200k placed in offset at day 10. Upfront paid based on net balance at day 10 ($300k) 20/09/2019 $    492,000  $  100,000  $  392,000 $100k withdrawn from offset 31/03/2020 $    475,000  $  375,000 Upfront calculated on $300k Additional commission calculated on $75k* *$375k – $300k = $75k Additional commission applicable as $75k ≥ $50k

Future state New settled home loan with funds in offset account Original facility limit $500k Date Loan account balance Offset balance Net balance Comments 5/03/2019 $    500,000  $                   -  $  500,000 Loan settles for $500k 14/03/2019  $  - Upfront paid based on net balance at day 10 ($500k) 15/03/2019 $ 500,000 $ 104,000 $ 396,000 $104k placed in offset at day 11 20/09/2019 $    496,000  $  52,000  $  444,000 $52k withdrawn from offset 31/03/2020 $    490,000  $  438,000 Upfront calculated on $500k Additional commission calculated on N/A* *$438k – $500k = $-62k Additional commission not applicable as $-62k < $50k

Additional commission not applicable as $34k < $50k Future state New settled home loan with funds in offset account and principal increase within first 12 months Original facility limit $500k PI limit $100k Date Loan account balance Offset balance Net balance Comments 5/03/2019 $    500,000  $                   -  $  500,000 Loan settles for $500k 7/03/2019  $  100,000  $  400,000 $100K placed in offset at day 3 14/03/2019 Upfront paid based on net balance at day 10 ($400k) 22/03/2020 $    487,000  $  487,000 $100k withdrawn from offset 23/03/2020 $    587,000  $    50,000  $  537,000 Principal increase of $100k fully drawn of which $50k is placed into offset. PI commission paid on $100k 31/03/2020 $    584,000  $  534,000 Upfront calculated on $400k PI calculated on $100k Additional commission calculated on N/A* *$534k – ($400k + $100k) = $34k Additional commission not applicable as $34k < $50k For principal increases of $40k or below, there is a fixed commission payment of $200 ex GST

Additional commission not applicable as $49k < $50k Future state New settled home loan with funds in offset account and principal increase after 12 months Original facility limit $500k PI limit $80k Date Loan account balance Offset balance Net balance Comments 5/03/2019 $    500,000  $                   -  $  500,000 Loan settles for $500k 14/03/2019  $  100,000  $  400,000 $100k placed in offset at day 10. Upfront paid based on net balance at day 10 ($400k) 31/03/2020 $    489,000  $    40,000  $  449,000 $60k withdrawn from offset 4/04/2020 $    569,000  $  569,000 Principal increase of $80k fully drawn. $40k withdrawn from offset. PI commission calculated on $80k Upfront calculated on $400k Additional commission calculated on N/A* PI calculated on $80k *$449k – $400k = $49k Additional commission not applicable as $49k < $50k For principal increases of $40k or below, there is a fixed commission payment of $200 ex GST