HUMM GROUP LIMITED — Capital/Financing Update 2014

Jun 24, 2014

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AUSTRALIAN SECURITIES EXCHANGE ANNOUNCEMENT

FLEXIGROUP LIMITED (“FXL”)

Sydney, 25 June 2014

FlexiGroup Limited today announced the issue of AUD255m asset-backed securities, supported by a pool of Australian unsecured, retail, “no interest ever” payment plans, originated by Certegy Ezi-Pay Pty Ltd (“Certegy”), a wholly owned subsidiary of FlexiGroup Limited.

This is FlexiGroup’s sixth securitisation under the Flexi ABS program and the fourth securitisation of Certegy receivables, following issuance in June 2011, August 2012 and September 2013.

Tarek Robbiati, FlexiGroup Chief Executive Officer said “This second securitisation of FY14 re-affirms FlexiGroup’s commitment to accessing wholesale capital markets. We are again extremely pleased with the strong investor interest we have received in all classes of rated notes as demonstrated by;

• 94% of notes taken up by non-bank investors;

• A total of 11 investors participating, including 1 based offshore and 3 new to the program; and

• Oversubscription in all rated notes.”

This transaction was arranged by National Australia Bank and joint lead managed by the Commonwealth Bank of Australia and National Australia Bank.

Six classes of notes rated by Moody’s and Fitch were issued by Perpetual Corporate Trustee Limited in its capacity as trustee of Flexi ABS Trust 2014-1.

The AUD89.25m Class A1 notes have been rated P-1(sf)/ F1+sf, AUD108.37m Class A2 (Aaa(sf)/AAAsf), AUD22.95m Class B notes (Aa2(sf)/AAsf), AUD10.2m Class C (A2(sf)/Asf), AUD7.65m Class D (Baa2(sf)/BBBsf), and AUD3.8m Class E (Ba2(sf)/ BBsf). FlexiGroup will retain AUD12.765m of unrated Class F notes.

The Class A1 notes priced at 50 bp over 1 month BBSW, Class A2 at 100 bp over BBSW and Class B at 140 bp over BBSW. Pricing on other notes is undisclosed.

It is FlexiGroup’s intention to apply to have the Class A1 and A2 notes in this program qualify as securities eligible for the Reserve Bank of Australia’s repurchase operations (repos).

For further information:

Investors / Analysts

Media

David Stevens Chief Financial Officer T: 02 8905 2045

Peter Brookes, Citadel T: 0407 911 389

Ross Horsburgh Chief Risk Officer T: 02 8905 2057

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ABOUT FLEXIGROUP

FlexiGroup is a diversified financial services group providing “no interest ever”, leasing, vendor finance programs, interest free and Visa cards, mobile broadband, lay-by and other payment solutions to consumers and businesses.

Through its network of over 12,000 merchant, vendor and retail partners the Group has extensive access to four key markets, Business to Consumer, Business to Business, Retail to Consumers (and small business customers) and online.

Performance has been characterised by solid profitable growth as the company has expanded and diversified its business through organic growth, acquisition and product innovation. This diversification strategy has been extended to the large $45bn credit card market with the acquisition of Lombard and Once Credit businesses.

FlexiGroup operates in Australia, New Zealand and Ireland within a diverse range of industries including: home improvement, solar energy, fitness, IT, electrical appliance, navigation systems, trade equipment and point of sale systems. Services are offered through four business units: Certegy (no interest ever & lay-by), Flexirent (lease), Flexi Commercial (vendor leasing programs) and Lombard and Once (interest-free cards).

Tarek Robbiati joined FlexiGroup as Managing Director and CEO in January 2013. Tarek was Group Managing Director of Telstra International Group (TIG), the fastest growing business unit of Telstra Corporation, and Executive Chairman of CSL-NWM, the number one mobile operator in Hong Kong. He was also previously deputy CFO of Telstra Corporation, and Head of Corporate Finance at Orange Plc in the UK.

The Board of FlexiGroup is chaired by Margaret Jackson, former Chairman of Qantas and previously a director of: Australian and New Zealand Banking Corporation, The Broken Hill Proprietary Company Limited and Billabong International Limited. The Board also includes John Skippen, former Finance Director of Harvey Norman Holdings Limited, Rajeev Dhawan, a partner of Equity Partners, Andrew Abercrombie, a founding director and major shareholder in the company, and Anne Ward, presently also Chairman of the Qantas Superannuation Plan.