603 Page 1 of 3 15 July 2001

Form 603

Corporations Act 2001

Section 671B

Notice of initial substantial holder

To Company Name/Scheme AMP LIMITED ACN/ARSN 079 354 519

1. Details of substantial holder (1)

Name Australian Retirement Trust Pty LTD ATF Australian Retirement Trust ACN/ARSN (if applicable) 010 720 840

The holder became a substantial holder on 11 / 08 / 2025

2. Details of voting power

The total number of votes attached to all the voting shares in the company or voting interests in the scheme that the substantial holder or an associate (2) had a relevant interest (3) in on the date the substantial holder became a substantial holder are as follows:

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Class of securities (4) Number of securities Person's votes (5) Voting power (6)
Fully paid ordinary
128,152,543 128,152,543 5.062%
shares
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3. Details of relevant interests

The nature of the relevant interest the substantial holder or an associate had in the following voting securities on the date the substantial holder became a substantial holder are as follows:

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Holder of relevant interest Nature of relevant interest (7) Class and number of securities
Power to exercise voting rights
Australian Retirement Trust
pursuant to position held as Fully paid ordinary
Pty LTD ATF Australian
trustee of a superannuation shares 128,152,543
Retirement Trust
fund.
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4. Details of present registered holders

The persons registered as holders of the securities referred to in paragraph 3 above are as follows:

Holder of relevant interest	Registered holder of securities	Person entitled to be registered as holder (8)	Class and number of securities
`Australian` `Retirement Trust Pty` `LTD ATF Australian` `Retirement Trust`	`HSBC Custody` `Nominees` `(Australia)Limited`		`Fully paid ordinary` `shares 128,152,543`

5. Consideration

The consideration paid for each relevant interest referred to in paragraph 3 above, and acquired in the four months prior to the day that the substantial holder became a substantial holder is as follows:

Holder of relevant interest	Date of acquisition	Consideration (9)	Consideration (9)	Class and number of securities
		Cash	Non-cash
`Refer to Annexure A`

603 Page 2 of 3 15 July 2001

6. Associates

The reasons the persons named in paragraph 3 above are associates of the substantial holder are as follows:

Name and ACN/ARSN (if applicable) Nature of association

7. Addresses

The addresses of persons named in this form are as follows:

Name Address Australian Retirement Trust Pty LTD ATF 266 George Street, Brisbane City QLD 4000 Australian Retirement Trust

Signature

print name Kristy Huxtable capacity Company Secretary sign here date 13 / 08 / 2025

DIRECTIONS

(1) If there are a number of substantial holders with similar or related relevant interests (eg. a corporation and its related corporations, or the manager and trustee of an equity trust), the names could be included in an annexure to the form. If the relevant interests of a group of persons are essentially similar, they may be referred to throughout the form as a specifically named group if the membership of each group, with the names and addresses of members is clearly set out in paragraph 7 of the form.
(2) See the definition of "associate" in section 9 of the Corporations Act 2001.
(3) See the definition of "relevant interest" in sections 608 and 671B(7) of the Corporations Act 2001.
(4) The voting shares of a company constitute one class unless divided into separate classes.
(5) The total number of votes attached to all the voting shares in the company or voting interests in the scheme (if any) that the person or an associate has a relevant interest in.
(6) The person's votes divided by the total votes in the body corporate or scheme multiplied by 100.
(7) Include details of:
(a) any relevant agreement or other circumstances by which the relevant interest was acquired. If subsection 671B(4) applies, a copy of any document setting out the terms of any relevant agreement, and a statement by the person giving full and accurate details of any contract, scheme or arrangement, must accompany this form, together with a written statement certifying this contract, scheme or arrangement; and
(b) any qualification of the power of a person to exercise, control the exercise of, or influence the exercise of, the voting powers or disposal of the securities to which the relevant interest relates (indicating clearly the particular securities to which the qualification applies).

See the definition of "relevant agreement" in section 9 of the Corporations Act 2001.

(8) If the substantial holder is unable to determine the identity of the person ( eg. if the relevant interest arises because of an option) write "unknown".
(9) Details of the consideration must include any and all benefits, money and other, that any person from whom a relevant interest was acquired has, or may, become entitled to receive in relation to that acquisition. Details must be included even if the benefit is conditional on the happening or not of a contingency. Details must be included of any benefit paid on behalf of the substantial holder or its associate in

603 Page 3 of 3 15 July 2001

relation to the acquisitions, even if they are not paid directly to the person from whom the relevant interest was acquired.

Page 1 of 2

Annexure A

Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust ACN 010 720 840

This is Annexure A of 2 pages referred to in Form 603, Notice of initial substantial holder

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Kristy Huxtable
Company Secretary Date: 13/08/2025
Consideration Consideration Number of
Holder of Relevant Interest Purchase/Sale Trade Date
(Cash) (Non-Cash) Securities
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 15/04/2025 1,041,178.60 946,526
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 15/04/2025 615,616.10 559,651
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 15/04/2025 615,616.10 559,651
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 15/04/2025 1,041,178.60 946,526
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 15/04/2025 69,923.07 62,500
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 16/04/2025 858.55 800
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 16/04/2025 68,941.50 62,500
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 17/04/2025 11,065.45 10,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 23/04/2025 138,781.34 122,543
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 28/04/2025 10,372.45 8,800
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 28/04/2025 305,309.97 258,790
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 5/05/2025 19,924.38 15,388
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 6/05/2025 97,699.54 76,582
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 8/05/2025 94,178.56 75,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 12/05/2025 2,208.05 1,682
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 12/05/2025 97,299.60 75,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 14/05/2025 2,239.95 1,700
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 15/05/2025 52,965.47 40,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 16/05/2025 2,214.05 1,700
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 19/05/2025 1,594.76 1,201
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 19/05/2025 4,231.07 3,241
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 23/05/2025 257,626.90 194,470
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 23/05/2025 99,527.84 75,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 26/05/2025 98,845.10 75,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 27/05/2025 2,248.45 1,700
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 29/05/2025 2,204.91 1,703
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 29/05/2025 159,508.57 125,457
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 30/05/2025 207,102.61 164,299
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 2/06/2025 444,020.51 349,782
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 3/06/2025 397,696.12 318,176
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 4/06/2025 191,827.13 152,374
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 5/06/2025 19,231.84 15,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 5/06/2025 657,913.68 517,879
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 5/06/2025 10,702.35 8,483
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 11/06/2025 180,079.86 145,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 12/06/2025 643,434.02 519,769
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 13/06/2025 264,376.46 212,497
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 23/06/2025 2,143.58 1,740
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 25/06/2025 39,481.89 33,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 25/06/2025 10,483.55 8,800
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 26/06/2025 3,601.05 3,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 27/06/2025 3,465.45 2,800
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 30/06/2025 3,216.75 2,570
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 1/07/2025 129,736.83 101,899
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 4/07/2025 52,736.94 40,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 7/07/2025 20,021.78 15,036
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 8/07/2025 184,893.47 131,243
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 8/07/2025 395,878.29 278,933
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 9/07/2025 10,137.82 7,067
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 9/07/2025 103,870.83 72,882
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 9/07/2025 653,619.20 458,144
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 10/07/2025 493,826.25 343,608
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 11/07/2025 696,860.57 479,133
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 14/07/2025 453,125.59 307,910
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 14/07/2025 9,216.35 6,247
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 15/07/2025 300,437.75 206,118
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 15/07/2025 204,857.95 140,852
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 16/07/2025 161,294.71 109,099
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 17/07/2025 13,085.32 8,528
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 17/07/2025 199.03 134
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 17/07/2025 179,155.18 117,376
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 18/07/2025 11,348.80 7,500
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 18/07/2025 19,331.89 12,697
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 18/07/2025 154,815.05 101,843
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 21/07/2025 7,721.45 5,000
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 21/07/2025 156,017.06 101,843
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 22/07/2025 3,563.21 2,300
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 23/07/2025 5,165.05 3,080
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust SELL 23/07/2025 88,969.45 54,025
Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust BUY 23/07/2025 570,557.92 340,577
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Page 2 of 2

Annexure A

Australian Retirement Trust Pty Ltd ATF Australian Retirement Trust ACN 010 720 840

This is Annexure A of 2 pages referred to in Form 603, Notice of initial substantial holder

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AI assistant

AMP LIMITED Major Shareholding Notification 2025

64379_rns_2025-08-12_faae1378-6231-4d27-82d7-3d8f63c92d23.pdf

Form 603

Corporations Act 2001

Notice of initial substantial holder

1. Details of substantial holder (1)

2. Details of voting power

3. Details of relevant interests

4. Details of present registered holders

5. Consideration

6. Associates

7. Addresses

Signature

DIRECTIONS

Annexure A

Annexure A

AI assistant

AMP LIMITED — Major Shareholding Notification 2025

64379_rns_2025-08-12_faae1378-6231-4d27-82d7-3d8f63c92d23.pdf

Form 603

Corporations Act 2001

Notice of initial substantial holder

1. Details of substantial holder (1)

2. Details of voting power

3. Details of relevant interests

4. Details of present registered holders

5. Consideration

6. Associates

7. Addresses

Signature

DIRECTIONS

Annexure A

Annexure A

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AMP LIMITED Major Shareholding Notification 2025