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As an Associate Member of the Global Alliance for Banking on Values (GABV), this Banking on Values Day (10th November), we’re joining 70+ values-based banks around the world to highlight the impact of financial inclusion. Financial inclusion is often measured by the number of people who have a bank account. From that perspective, progress has been substantial: 79% of adults globally had an account in 2024, up from 62% a decade earlier, according to the World Bank. Yet for many individuals, communities, and businesses, access alone does not guarantee meaningful participation in the economy. Financial products and services can do little to improve financial wellbeing when they are difficult to use, unaffordable, poorly matched to people’s needs or disconnected from wider support systems. Put simply, access does not always translate into inclusion. This distinction is at the heart of the GABV’s vision on financial inclusion. To better understand the different layers of financial exclusion, the GABV surveyed its member institutions across 45 countries. The findings underpin Faces of Inclusion, the theme of Banking on Values Day 2026, which explores who is being left behind, the barriers they face, and how values-based banks are responding. The cost of exclusion 14-30% growth: Broader access to financial services could boost GDP by up to 14% in large emerging economies and as much as 30% in frontier economies. Source: EY USD 2.1–2.6T: The financing gap holding back small businesses and entrepreneurs in developing economies. Source: IFC 1 in 2 adults: In emerging and developing economies cannot cope financially with an unexpected emergency. Source: World Bank 740M women: In developing economies remain outside the formal financial system, limiting economic participation. Source: World Bank To explore the many faces of exclusion, banks across the GABV were surveyed about the barriers that still prevent people, businesses, and communities from fully participating in economic life. The survey reveals a consistent picture of who remains underserved and why. Most excluded: Among participating institutions, low-income households were identified most frequently as facing financial exclusion (53%), followed by migrants and refugees (45%), rural communities (41%), and women (29%). Main barriers: The lack of collateral or eligibility requirements is considered the most significant barrier to financial inclusion (62% of respondents), followed by limited financial literacy or awareness (42%), lack of documentation or legal identity (38%), high cost of financial services (29%), and products and services not adapted to people's needs (27%). Better approaches: When respondents were asked which approaches are most effective in advancing financial inclusion, three solutions emerged clearly above all others: Relationship banking (52%), Tailored financial products (50%) and Financial literacy initiatives (41%). Across many markets, GABV banks described financial exclusion as dependence on informal lenders, inability to access affordable credit, limited opportunities to start or expand businesses, and increased vulnerability to economic shocks. Several institutions specifically highlighted the risk that excluded individuals and enterprises become dependent on predatory lending arrangements.   Mutually valuable banking At Unity Bank, we strive to deliver Mutually valuable banking for our people, our communities and our planet. We’re constantly working towards ensuring our products, services and platforms are accessible and inclusive. As a member-owned bank, Unity Bank was established when groups of like-minded workers and communities came together with the purpose of providing key worker groups with financial services that prioritised members over profit. From the beginning, our guiding principles were embedded in mutuality and community spirit. We remain passionate about helping people achieve their financial goals and understand that this looks different for everyone. Affordable housing is a source of financial wellness and financial inclusion, as well as being a fundamental aspect of building strong, inclusive communities. Unity Bank offers home ownership pathways to help those who may otherwise struggle to achieve their financial goals.  We are proud to have been a participant lender under the Australian Government’s 5% Deposit Scheme since its inception, to help even more eligible home buyers realise their dream of home ownership. Following our participation in the NSW Shared Equity Home Buyer Helper and Victorian Homebuyer Fund, Unity Bank is currently participating in the Queensland Government's Boost to Buy Home Ownership Scheme, a shared equity initiative designed to improve access to home ownership for first-home buyers in Queensland. Unity Bank currently acts as the exclusive lender on the panel, playing a key role in delivering the scheme to eligible applicants who meet strict criteria, including income caps and property value limits. For those ineligible for a place in these schemes, we also support first home buyers with our First Home Buyer Loan or Get Ahead Start Guarantor option, as suitable for their circumstances. Our Essential Worker Home Loan was designed to provide support for eligible essential workers, helping those who serve the community with the purchase of their own home. We also seek to serve mature age Australians and their financial needs with products such as our Pensioner Plus Account and our Retirees Access Home Loan (Reverse Mortgage). We have also implemented a number of accessibility initiatives including the National Relay Service, Translating and Interpreting Services, and directional notches and braille dots on our suite of cards. We seek to support the vulnerable and those at risk, introducing initiatives and educational content around financial hardship, financial abuse, domestic and family abuse, scams and security, and online banking. We are part of the Respect and Protect initiative, promoting respect for women and to help protect against financial abuse. We have updated our terms and conditions to help prevent the misuse of products and services as a vehicle for abuse. We support the Australian Mutuals Foundation-CUFA, who are dedicated to alleviating poverty and strengthening community resilience in Australia and across the Asia-Pacific by providing financial literacy education and financial inclusion initiatives. The foundation harnesses the strengths of the Australian mutuals and credit union sector to foster the resilience of vulnerable communities. These are just some of the ways we help tackle financial exclusion and help build financial systems that are accessible, affordable and designed around peoples’ needs and circumstances. Together, we can help provide access to fair and meaningful financial services and establish financial inclusion as a human right. For more insights on financial inclusion, read GABV’s latest article, available on the Banking on Values Day website.      

Celebrating those who inspire curiosity and shape the next generation Today, 30 October, Australia celebrates World Teachers’ Day, an opportunity to recognise the educators who inspire curiosity and help shape the next generation. From pre-school teachers to university lecturers, their commitment to teaching helps us all build a brighter future.This year’s theme, “Shine a light on teachers” reminds us to recognise the people whose contributions make a lasting difference in our communities. Teachers do more than deliver lessons, they equip their students with the knowledge, skills and confidence to excel, often going above and beyond to support their students.At Unity Bank, we believe that supporting essential workers means recognising the people behind these vital roles and doing our bit to thank them for their efforts. Our award-winning Essential Worker Home Loan was specifically designed to support essential workers in achieving home ownership.For many educators, buying a home is an important milestone – especially being part of the community and living in an area close to where they teach. We want to make that goal more achievable, recognising the valuable contribution teachers make every day.This World Teachers’ Day, we shine a light on the dedication and passion of teachers in Australia. Thank you for the difference you make in classrooms, in communities and for future generations.

Unity Bank Limited ACN 087 650 637 (the Company)Notice of 2026 Annual General Meeting Notice is given that the 67th Annual General Meeting (AGM) of the Company will be held on Tuesday 17 November 2026 at Level 25, 201 Elizabeth Street Sydney NSW 2000, commencing at 3:00pm. Members may also attend virtually (see information about virtual attendance below).​ Agenda Apologies To receive Unity Bank Limited’s Financial Report, Directors’ Report and Auditor’s Report for the financial year ended 30 June 2026. Approve Director Appointment To consider and if thought fit to pass the following resolution:‘To approve the appointment of Adrian Evans as director until the end of the 2027 Annual General Meeting.’ Special Resolution – Change to Constitution To consider and if thought fit to pass the following resolution as a special resolution:'That the Company Constitution be amended as described in the Explanatory Statement to the Notice of 2026 Annual General Meeting by repealing the current Constitution and adopting the version of the Constitution tabled at the meeting and signed by the Chair for the purposes of identification.' By Order of the BoardRosanna Argall Company Secretary1 October 2026 How to Participate in the Virtual Meeting This year, members who are unable to physically attend the AGM, may instead attend via Teams, with members able to view presenters, ask questions, make comments and vote on resolutions via electronic poll. Where practicable, we ask that you send your questions in advance of the meeting by emailing returningofficer@unity.bank at least 48 hours prior to the meeting to better ensure they can be answered during the meeting. To remotely participate in the meeting follow these steps: Email your expression of interest to returningofficer@unity.bank by 13 November 2026. You will receive a Teams meeting registration link via return email. Register using the email link provided by 3:00pm on 16 November 2026. You will then receive your own individual Teams meeting link. Click on the individual Teams meeting link or phone in using the contact details provided on 17 November at 3:00pm. Proxy Voting You can appoint a proxy to attend and vote at the AGM on your behalf. The proxy does not have to be a member of Unity Bank. An Appointment of Proxy form may be obtained online or by emailing returningofficer@unity.bank, calling 02 9307 5409 or visiting a Service Centre. To be valid, your completed Proxy Form must reach the Company no later than 48 hours before the AGM. If you have any further enquiries with respect to the AGM please contact us at returningofficer@unity.bank before Monday 16 November 2026. Annual Report This year’s Annual Report is available to view online or download from our Publications page.   EXPLANATORY STATEMENT   INTRODUCTION The purpose of this Explanatory Statement is to provide members with an explanation of the business of the meeting and the resolutions proposed to be considered at the Annual General Meeting of the Company on Tuesday 17 November 2026.This Explanatory Statement should be read in conjunction with the notice and forms part of the notice. AGENDA ITEM 3: APPROVE DIRECTOR APPOINTMENT The Board appointed Adrian Evans as a director to fill the casual vacancy left by the resignation of Mich-elle Myers, whose term was due to cease at the end of the 2027 Annual General Meeting. Under the Company’s Constitution, for the casual vacancy appointment to continue until the end of the term of the director they replaced, the members must approve the appointment at the first Annual General Meeting after appointment. If members do not approve the appointment, Adrian Evans will immediately cease to be a director.Adrian Evans GAICD is a Non-Executive ‘Elected’ Director of Unity Bank (since April 2026). He is a former Assistant National Secretary of the Maritime Union of Australia, where he was responsible for governance, risk, legal oversight, financial management, and organisational strategy. He is a Graduate of the Australian Institute of Company Directors and holds additional qualifications in climate governance, workplace health and safety, and training and assessment.Adrian has held a range of board and advisory appointments, including Board Director of the Australian Diver Accreditation Scheme (ADAS), where he served on several board committees. He has also held international leadership roles as Vice Chair of the International Transport Workers Federation Offshore Taskforce and Offshore Wind Group, contributing to workforce engagement and regulatory standards in emerging offshore industries. At a government advisory level, Adrian was appointed to several Western Australian bodies, including the WA Freight and Logistics Council, Fremantle Port Operations Taskforce, and Westport Reference Group, providing strategic input into transport policy, port operations, and supply-chain governance, including COVID-19 supply chain crisis management.   AGENDA ITEM 4: SPECIAL RESOLUTION - CHANGE TO CONSTITUTION This Special Resolution will modify the Company’s Constitution by: adopting new purpose and stakeholder governance provisions required for ongoing B Corp certification removing outdated notice requirements relating to directors over 72 The changes will be made by replacing the current Constitution:New amended ConstitutionNew amended Constitution with tracked changes B Corp changes Unity Bank became a certified B Corporation in 2026 (B Corp). Certified B Corps are businesses that meet verified standards of social and environmental performance, public transparency, and legal accountability. As a requirement for ongoing B Corp certification, the Company must include new provisions in its Constitution that: specify as a purpose, having an overall positive impact on society and the environment; require the Board of directors to consider the interests of specific stakeholders, including but not limited to members, and outcomes in its decision-making. The directors believe that these changes are consistent with the intentions and interests of the Company and encourage positive impacts on the world and environment. Remove outdated notice requirements The Corporations Act and the Company’s Constitution previously required directors over the age of 72 to be subject to annual approval by special resolution to be appointed or remain in office.  Both the law and the Constitution were amended many years ago to remove this requirement.  The special resolution will amend the Constitution to remove provisions that were inadvertently retained that still require reference to this previous process in the notice to members when the election of directors is discontinued.  To be passed this special resolution requires the approval of at least 75% of the votes cast by members at the Annual General Meeting, in person (including virtual attendance) or by proxy. Directors' recommendation - The Directors unanimously recommend that the members approve this Special Resolution.  

Buying a home is an exciting milestone, but the process can feel overwhelming if you're not sure what to expect. From preparing your finances and securing pre-approval to making an offer, settling, and moving in, this guide outlines the key steps to help you navigate your home buying journey with confidence. Prepare and understand your finances Find out how much you can borrow You can use one of Unity Bank’s calculators found here. Work out how much you can put down as a deposit You’ll typically be required to have a minimum 20% deposit of the purchase price of the home. The larger your deposit, the smaller your home loan will be and the less interest you will pay over the long run. For deposits less than 20%, you’ll incur Lenders’ Mortgage Insurance (LMI), which can generally form part of the overall loan. Appreciate all other costs involved Apart from establishing a home loan and paying regular interest, other supplementary costs are involved when buying a home. Some of these extra costs may include stamp duty, LMI, insurance premiums, legal and conveyancing fees, agent fees, valuation fees and even pest control expenses. Explore any government grants / schemes / concessions that you might be eligible for You may be able to save money and buy a home sooner than expected with assistance from the government. In particular, many government programs are developed with the aim of helping first home buyers. These may reduce costs or boost your deposit. Unity Bank is a proud supporter and participant of many of these grants / schemes / concessions, including: Australian Government 5% Deposit Scheme First Home Owner Grant First Home Super Saver Scheme Queensland’s Boost to Buy Shared Equity Scheme State-based stamp duty concessions for first home buyers Set up a budget / Save for a deposit It is wise to start making a budget early, and build your deposit regularly over time. This may mean you will have to make some lifestyle changes. Unity Bank’s Budget Planner Calculator may help with this.   Do your research & apply for conditional home loan pre-approval You need to become familiar with the various features, costs and conditions of home loans. Some important home loan characteristics include: The interest rate and how it is calculated Whether you’d like to make loan repayments monthly, fortnightly or weekly The difference between fixed rate and variable rate loans Loan attributes such as extra repayment limits, splits, redraw and offset facilities Any upfront or ongoing loan fees, such as strata or council rates Find out your creditworthiness Before you are approved for a home loan, banks typically assess your repayment capabilities, i.e. serviceability. They do this by reviewing your income, expenses, assets and liabilities. It's a way for lenders to determine if you're able to manage ongoing repayments and pay back what you have borrowed. Apply for a conditional pre-approval If all goes well, banks can then give you a conditional pre-approval (or approval in principle) so that you can attend auctions / make purchase offers with greater peace of mind. This is basically an estimate of how much money you can borrow from your lender.   Attend inspections and discover your future home Write down the ideal suburbs where you would like to live Liveability means different things to different people. Some factors to consider include: Schools and hospitals Public transport and parking Cafes, shops and local restaurants Green space and parks Noise levels and proximity to roads Flood-prone areas and bushfire-prone land Neighbourhood culture and upcoming developments Understand what type of property you are looking for Many property types are available including houses, townhouses, villas and apartments. You can also buy new, established or off the plan. Other aspects you might consider are what number of rooms you would like, if a backyard essential, what the natural lighting is like, are there large trees nearby, and what is the property orientation. Leverage property platforms Online property websites such as realestate.com.au and domain.com.au are valuable tools that provide insight into property trends, recent sales and comparable properties currently on the market. Attend property inspections / open homes By attending different homes, you will gradually get an understanding of what you like and don’t like, and also what the market pricing is. Also check online listings regularly and engage with real estate agents.   Make an offer Review the contract of sale, then make an offer After reviewing the necessary documentation (preferably with your solicitor or conveyancer), make your offer to the seller. Success! Now settlement starts Sign and date the contract of sale and pay the deposit (usually 10% of the property price). Settlement begins after the contract is signed, and can generally take up to 90 days. Settlement refers to the legal procedures where property ownership is transferred to you (the buyer), and the remaining purchase price is paid. During this period, you will need to apply to have your conditionally pre-approved loan formally changed to an ‘unconditional approval’. This may involve the bank requiring more documentation from you, and a property valuation taking place. Conduct a final inspection Remember to complete a final inspection just before settlement. This ensures that the property is in good condition. For example, you may check: Heating, cooling and hot water are functioning Everything electrical and plumbing-related is in working order Fixtures, lighting and surfaces are undamaged Any agreed repairs have been completed Rubbish has been taken away, and there are no pest infestations You may hire a professional defect / building inspector if desired. Protect your new home We’re only human, and the unexpected can always happen in life. Cover yourself against potential risks by arranging any insurance products such as home and contents insurance from the purchase date.   Time to settle, and then move in Provide the remaining funds to complete the purchase, and pick up the keys Congratulations, you are now a homeowner!   Meet with one of our Unity Bank home loan experts Buying a home can be an overwhelming experience, but help is always available.Click here to speak to one of our home loan specialists at Unity Bank at any time – whether online, over the phone or in person.

No one’s just a number Scams Awareness Week 2026 runs from 24 to 28 August and is a chance for all of us to talk more openly about scams and how to stay safe.  This year’s theme, ‘No one’s just a number’, reminds us that behind every scam report is a real person - a parent, friend, neighbour or colleague - whose money, time or trust has been stolen. Scams can happen to anyone, and being targeted by a scammer is never a reflection of a person’s intelligence or character. As a mutual bank, the trust and safety of our members are among our highest priorities. We are committed to helping protect member data, raising awareness of online risks, and ensuring our members have the knowledge to respond to threats with confidence and care. Common types of scams and cyber threats Scams and cyberattacks are becoming increasingly sophisticated and frequent. Some of the most common include: Phishing emails: Scammers pose as trusted organisations, sending emails that prompt recipients to click malicious links, download harmful attachments, or reveal sensitive information such as passwords and credit card details. Romance scams: Fraudsters create fake identities online to form emotional connections, eventually convincing victims to send money for fabricated emergencies. Lottery and prize scams: Scammers falsely declare victims as lottery winners, demanding upfront payments or personal data to claim fictitious prizes, resulting in financial loss or identity theft. Bank impersonation scams: Scammers impersonates a bank or financial institution to trick their victims into making payments to a fraudulent account. Tax time SMS and email scams: These scams encourage people to click on a link that directs them to a fake MyGov sign-in pages designed to steal their username and password. E.g. phrases include: 'You are due to receive an ATO direct refund”, or “You have an ATO notification.” Linkt Toll scams: Messages (SMS or WhatsApp mostly) request payment or updated billing information through a fraudulent link. Phone scams: Scammers call victims pretending to be from government agencies, tech support, banks or delivery services to steal information or money. Impersonation scams: Fraudsters pose as trusted individuals, such as colleagues, family member, or CEO, to request urgent payments or sensitive data. Fake websites: They mimic real websites to steal credentials or infect your device with malware when you enter information or download content. Malware attacks: Malicious software is installed via unsafe links or downloads, allowing scammers to access your personal or financial information. Remote access scams: Scammers convince victims to grant access to their computer or mobile device, often claiming to be tech support. Three steps. Any scam. Any situation. Scammers use pressure, trust and convincing stories to make people act quickly, but 3 simple steps can help. Stop: Always take a moment before giving your money or personal information to anyone. Scammers will create a sense of urgency to pressure you into acting quickly. Don’t rush to make decisions about money or sharing personal details. Check: Make sure the person or organisation you’re dealing with is real. Scammers pretend to be from organisations you know and trust. Always verify who you’re really dealing with before taking any action. Protect: Act quickly if something feels wrong. The sooner you take action, the better you can protect yourself and others from scammers. Report any suspicious activity immediately to us on 1300 364 400 and the appropriate authorities (e.g. Scamwatch, your IT support or local police). No one is immune, stay alert and informed. That’s why we’re focused on continuing to strengthen our digital security, educating both members and staff, and providing the tools and training needed to protect what matters most: our members’ information and financial wellbeing. Additional tips for protection Never share your password with anyone. Use complex, unique passwords for different accounts. Avoid using easily guessed words. (e.g. “123456”, “password”, “birth dates”) Don’t reuse passwords across platforms. Keep your devices updated with the latest security. Be cautious of unsolicited messages or offers that sound too good to be true. Don’t click on suspicious links or attachments, especially from unknown sources. Our commitment to you Scams Awareness Week is a timely reminder of the importance of staying safe online. As your mutual bank, we will continue to: Provide ongoing cybersecurity training to help our staff stay alert. Share useful resources and alerts to help members identify and avoid scams. Maintain strong data protection policies and invest in secure technology. Monitor cyber threats closely and act quickly to protect member accounts. This Scams Awareness Week, take a moment to reflect on your online habits, have conversations with friends and family about scam safety, and help spread the message 'No one’s just a number'.  Need help? If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC) or National Anti-Scam Centre (NASC) – Scamwatch. Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. Change your passwords and enable two-factor authentication to protect your accounts. To understand how we help to keep you safe, please refer to our Security page. For more information on common scams and how to protect yourself, please visit the News section of our website.

With millions of Australians set to share personal information as part of the upcoming Census, we are urging members to stay alert to scams impersonating the Australian Bureau of Statistics (ABS). This year, Census night will take place on Tuesday, 11 August 2026. Many households will have already received a paper letter with instructions to complete the form online, or through paper forms if preferred. "If you're contacted about the Census, take a moment to verify the email, phone call, text, or form before responding with your personal details. Scammers often take advantage of major events and impersonate government organisations to target unsuspecting Australians. A few extra seconds of caution can make all the difference,” advised COBA’s Head of Financial Crimes and Cyber Resilience Martin Latimer. What is the Census? Conducted every five years, the Census provides a snapshot of Australia's population and housing by counting every person and household across the country. This data is used to inform policy on important issues including business, infrastructure, transport, schooling, and healthcare. The Census form asks questions such as age, cultural background, work, country of birth, and education. Importantly, it does not ask for bank account or credit card details, tax file numbers, passwords, or identity documents such as passports or driver's licences. Australians will never be offered prizes, rewards or incentives for completing the Census. Any such offer should be treated as a potential scam. Under the Census and Statistics Act 1905, completing the Census is compulsory. What are signs of genuine Census communications? A common tactic used by scammers is to impersonate reputable government agencies to create a false sense of legitimacy and trust. If you are approached by anyone claiming to be from the ABS, remember that genuine staff must carry an ABS identification card while undertaking Census work. They also wear a bright yellow satchel. Genuine Census letters will display the ABS logo in the top-left corner. Paper forms will include a Reply Paid envelope with the address: Reply Paid 93909, DANDENONG VIC 3175. Census-related emails, including Census login details and security codes, will only be sent from official email addresses ending in @abs.gov.au. Generally, they will only be sent to people who have provided their details online and requested a response. Similarly, the ABS will only send an SMS message if someone has requested Census login details or security codes. They will come from the sender ID ‘CENSUS’. Any messages from sender IDs that display ‘Unverified’ or other names is likely to be a scam. Unsure if this is a Census-related scam? If in doubt, members are urged not to click any unsolicited links regarding the Census or the ABS. Instead, visit the official ABS website in a new browser to contact them directly. You can report any suspicious emails, phone calls, or messages via Scamwatch or by contacting the ABS Support Line on 1300 100 557. If you believe someone has gained access to your personal information, even if it appears unrelated to your finances, you should contact your bank immediately on 1300 364 400. A timely response can be critical in giving you the best chance to stem any loss. To help yourself and others stay scam-safe, keep in mind the simple, three-step “Stop. Check. Protect” method – take a moment before giving your money or personal information to anyone, make sure the person or organisation you’re dealing with is real, and act quickly if something feels wrong. Need help? If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC) or National Anti-Scam Centre (NASC) – Scamwatch. Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. Change your passwords and enable two-factor authentication to protect your accounts. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For more information on common scams and how to protect yourself, please visit the News section of our website.