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October 9, 2025: The Regional Banking Investment Alliance (RBIA) has welcomed the newly merged G&C Mutual Bank and Unity Bank to their group advocating for a community service obligation (CSO) to keep regional bank branches open. The advocacy group recently presented a cost sharing model to the government and Treasury, proposing banks contribute to a fund to help subsidise some of the staff costs in maintaining face-to-face services in regional and remote areas of Australia. The cost sharing model presented by the alliance of regional banks has gained momentum, including interest from a number of banks outside the group. Unity Bank CEO, Danny Pavisic said the model has potential to make a real difference in regional communities. “We service members across the country who value the ability to be able to go into one of our service centres and speak to real people, with real advice and real solutions. The cost sharing model proposed by the RBIA allows regional banks a realistic opportunity to not only keep their current face-to-face services but to ensure the ongoing financial inclusion of those living in regional areas”, said Mr Pavisic. CEO of Queensland Country Bank and RBIA spokesperson, Aaron Newman highlighted the struggle that regional banks can face: “We are passionate about servicing our local communities and keeping the profits local, but it’s really tough when we are competing against giants, who are not doing the same. “Around 30% of transactions in our banks lead to pass through banking, seriously disadvantaging our ability to compete and expand. We just want the banks who are neglecting the regions to pay their fair share in keeping face-to-face services alive.” The CSO initiative would be funded by the banking industry via existing financial sector levies and amount to around $153 million, or 0.17% of the total operating income of the major banks. Under the RBIA proposal, bank branches receiving the CSO contribution would need to meet criteria that the community generally expects from retail branch services, such as cash handing, home loans, transaction accounts, and term deposit management, as well as trained staff to offer advice and support. The contribution would be directly linked to trained full time employees, ensuring face-to-face services are maintained. With the inclusion of the G&C Mutual Bank and Unity Bank brands, the RBIA includes member banks across New South Wales, Queensland, Victoria, the Northern Territory, South Australia and Western Australia. More information can be found at: https://rbialliance.com.au/

In a further step toward advancing our Environmental, Social, and Governance (ESG) Strategy, Mutually valuable banking for people and planet, we are pleased to launch two new purpose-driven products designed to help members reduce their environmental impact. We believe sustainable choices should also be affordable choices. Our Green Car Loan and Green Upgrades Loan are the latest additions to our impact product suite, making it easier for our members to take meaningful steps toward reducing emissions and saving on energy costs. “As a mutual bank, we exist to create value for our members and their communities­­ - not shareholders,” said Danny Pavisic, Unity Bank Limited CEO. “These new products reflect our commitment to helping members make positive, practical changes for a more sustainable future.” Green Car Loan Our Green Car Loan features a competitive fixed interest rate and reduced fees to support the purchase of eligible hybrid or electric vehicles. It is designed to make lower-emissions transport more accessible for members ready to make the switch. Green Upgrades Loan Our Green Upgrades Loan is a personal loan offering a competitive variable interest rate and reduced fees to help members invest in energy-efficient home improvements such as solar panels, insulation, efficient heating and cooling systems, rainwater tanks, and more. Members who already have their home loan with us are eligible for a further discounted interest rate on our Green Upgrades Loan. These products directly support our ESG strategy, with a focus on reducing financed emissions, promoting environmental responsibility, and empowering members to take practical climate action in their everyday lives. “We know many of our members want to make greener choices, but cost can be a barrier,” Danny continued. “By offering these loans with competitive rates and fees, we’re helping to remove that barrier - and support more sustainable communities.” These new offerings align with our broader commitment to environmental responsibility, social impact and financial inclusion. The first impact product delivered under our ESG Strategy was our Essential Worker Home Loan, winner of the 2024 Finder Innovation Award in the Social Impact Innovation category. Designed to recognise the contribution essential workers make to the community by supporting their home ownership journey with a value and feature packed product, it has been very successful in terms of supporting our essential worker community, delivering social impact, driving loan growth and attracting new to bank members aligned to this cohort.We believe these new products will help to further retain and attract values-aligned members, contribute to our sustainable growth, assist with reporting metrics around green funding and financed emissions, but most importantly, support members who want to play an active role in shaping a cleaner, greener future.

Manage your daily transaction limits directly in Online Banking for a range of payment types, including BPAY, external transfers, international transfers, and OSKO payments. Whether you’re increasing a limit for a one-off payment or lowering a limit to enhance your account security, it’s now quick and easy to adjust to suit your own individual payment needs. Benefits include: Adjust your limits instantly, anytime, via Online Banking Set limits that suit your personal transaction needs Lower limits to reduce your exposure to fraud or unauthorised transactions To learn how it works and view frequently asked questions, visit our Daily Transaction Limits page.

Members are advised of updates to our Account and Access Facilities Terms and Conditions, effective 26 August 2025. The key change is to the existing transaction limits section, to accommodate the new feature enabling members to manage their own daily transaction limits within Online Banking. While we have provided an overview of the key change, we recommend you take the time to read through the updated Account and Access Facilities Terms and Conditions, to familiarise yourself with the changes and understand how they may impact you. By using your account and access facilities after the date the changes take effect, you agree to the updated terms and conditions applying. We’re ready to help you If you have any questions or concerns, please contact us.

From 30 September 2025, our deposit service, provided in partnership with ANZ, will be discontinued and ANZ will no longer accept cash or cheque deposits for Unity Bank and G&C Mutual Bank accounts. This change is due to ANZ no longer being able to offer this service to our members. We understand this may be inconvenient and want to make this transition as smooth as possible. Alternative ways to continue banking We want to support members through these changes, and this includes ensuring you are aware of the alternative options to cash and cheque deposits available to you, including: Mobile Banking Online Banking Bank@Post Staff assisted transactions Frequently asked questions   Q. What services will be discontinued? A. Services being discontinued are cash and cheque deposits at an ANZ branch. Members can continue to make deposits using their Visa Debit or Credit Card at a Bank@Post outlet or at one of our Service Centres. Q. What do I need to do? A. Please destroy any remaining ANZ deposit books by 30 September, as they will no longer be accepted. Q. How can I deposit cash into my account after 30 September? A. Members can make deposits into their account at one of our Service Centres or by using their Visa Debit or Credit Card at a Bank@Post outlet. Q. Is Online Banking and the Mobile App secure? A. Both Online Banking and our Mobile App are secure ways of managing your banking. We are committed to your security and privacy online and have employed a wide range of security measures to help you bank online in a safe and secure environment. For more information about these security measures visit our Online Banking Security page. Q. Why are ANZ deposit services being discontinued? A. ANZ has advised us that from 30 September 2025, they will no longer accept cash and cheque deposits at their branches from our members. This decision was not able to be changed, and regrettably there are no alternative arrangements available with any other major bank. Q. Why wasn’t a replacement service arranged with another major bank? A. Major banks have moved away from third-party cash and cheque deposit services for commercial reasons.

On Tuesday 12 August 2025, the Reserve Bank of Australia (RBA) announced a decrease of 0.25%p.a. to the official cash rate. Following this, we have reviewed the interest rates applicable to our variable rate home loans and advise that the rates for existing mortgage holders will decrease by 0.25%p.a., effective from 1 September 2025. Members will see their new interest rate and repayment details in their account transaction history in Online Banking and our Mobile App on 1 September 2025. Our variable rate savings accounts will decrease by 0.25%p.a., effective from 25 August 2025. Whilst changes to the RBA cash rate is one of the factors that informs our pricing decisions, there are other factors that we consider such as economic and market conditions, cost to lend and the competitor landscape. This helps us to assess and to continue to offer competitive rates to our members. If you would like further information on any of our products or services, please review the information on our website or contact us to see how we can help.