HUMM GROUP LIMITED — Capital/Financing Update 2016

Apr 21, 2016

Sydney – 22 April 2016

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FLEXIGROUP PRICES AUD260M ASSET BACKED SECURITIES

FlexiGroup Limited has announced the pricing of AUD260m 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 ninth securitisation under the Flexi ABS program and the sixth securitisation of Certegy receivables since the first issuance in 2011.

The transaction includes a $50m Class A2-G Note that is the first certified green bond of its type in the Australian market. This ‘green’ tranche, backed by solar PV receivables, has been Climate Bond Certified by the Climate Bonds Standard Board based in London.

Symon Brewis-Weston, FlexiGroup Chief Executive Officer said “We are very excited by the innovation shown in this latest transaction. Solar funding has represented a significant portion of the Certegy business for several years and is one of our strongest industries. In offering the Class A2-G note, FlexiGroup has given new and existing investors the opportunity to directly support environmentally sustainable industries”.

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

Seven classes of notes rated by Moody’s and Fitch will be issued by Perpetual Corporate Trustee Limited in its capacity as trustee of Flexi ABS Trust 2016-1.

The AUD91m Class A1 notes have expected ratings of P-1(sf)/F1+sf, AUD60.5m Class A2 (Aaa(sf)/AAAsf), AUD50.0m Class A2-G notes (Aaa(sf)/AAAsf), AUD12.48m Class B notes (Aa2(sf)/AAsf), AUD14.82m Class C (A2(sf)/Asf), AUD10.4m Class D (Baa2(sf)/BBBsf), and AUD7.8m Class E (Ba1(sf)/BBsf). FlexiGroup will retain AUD13.0m of unrated Class F notes.

The Class A1 notes priced at 75 bp over 1 month BBSW, Class A2 at 155 bp over BBSW, Class A2-G at 150bps over BBSW and Class B at 225 bp over BBSW. Pricing on other notes is undisclosed.

For further information:

Investors / Analysts

David Stevens Chief Financial Officer T: 02 8905 2178

Media

Michelle Smith, Citadel-MAGNUS T: 0410 116 257

June McFadyen Group Treasurer T: 02 8905 2059

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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, lay-by and other finance solutions to consumers and businesses.

Through its network of over 16,000 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), Australia Leasing (point of sale and commercial), New Zealand Leasing and Lombard and Once (interest-free cards).

The Board of FlexiGroup is chaired by Andrew Abercrombie who is the founding director and 24% shareholder in FlexiGroup. The Board also includes Symon Brewis-Weston, the FlexiGroup CEO, John Skippen, former Finance Director of Harvey Norman Holdings Limited and Rajeev Dhawan, a partner of Equity Partners.

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