HUMM GROUP LIMITED — Major Shareholding Notification 2007

Jul 26, 2007

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Westpac Banking Corporation ABN 33 007 457 141

Group Secretariat Level 20, 275 Kent Street SYDNEY NSW 2000 Telephone: (61 2) 9216 0390 Facsimile: (61 2) 9226 1888

27 July 2007

Company Announcements Platform Australian Stock Exchange Limited 20 Bridge Street SYDNEY NSW 2000

Dear Sir/Madam

Substantial Shareholder Notice

In accordance with section 671B(3) of the Corporations Act 2001 (Cth), we attach our Notice of Initial Substantial Shareholder Notice (Form 603) in respect of FLEXIGROUP LIMITED.

Yours faithfully

Anna O’Connell Company Secretary

k:\gsec\diana perak\bt\bt lodgements\substantial shareholder notices\603 - initial\2007\fxl 070725 letter.doc: 27/07/2007

Form 603

Corporations Law Section 671B

Notice of initial substantial holder

To Company Name/Scheme ACN/ARSN	FLEXIGROUP LIMITED
	ACN 122 574 583

1. Details of substantial holder(1)

Name WESTPAC BANKING CORPORATION (WBC) ACN/ARSN (if applicable) ABN 33 007 457 141 The holder became a substantial holder on 25/07/2007

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:

Class of securities	Number of securities	Person’s votes (5)	Voting power (6)
ORDINARYSHARES	11,347,999	11,347,999	5.22%

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:

Holder of relevant interest	Registered holder of securities	Nature of relevant interest (6)	Number of securities
BT Funds Management Limited	HSBC Custody Nominees (Australia) Limited	BT Funds Management Limited is the manager of various superannuation funds, institutional investor portfolios and unit trusts and, in that capacity, can exercise the power to vote or dispose ofthe shares.	2,096,935
BT Investment Management No.2 Limited	HSBC Custody Nominees (Australia) Limited	BT Investment Management No.2 Limited is the manager of various superannuation funds, institutional investor portfolios and unit trusts and, in that capacity, can exercise the powerto vote or	9,251,064

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dispose of the shares.

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	Persons entitled to be registered as holder(8)	Class and number of securities
BT Funds Management Limited	HSBC Custody Nominees (Australia) Limited	See Schedule
BT Investment Management No.2 Limited	HSBC Custody Nominees (Australia) Limited	See Schedule

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
WBC & associates	See Schedule	See Schedule

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
Westpac Banking Corporation (WBC)	Level 20, Westpac Place, 275 Kent St, Sydney NSW2000
Westpac Financial Services Group Limited (WFSG)	Level 20, Westpac Place, 275 Kent St, Sydney NSW2000
BT Funds Management Limited	Level 20, Westpac Place, 275 Kent Street, Sydney NSW2000
BT Investment Management No.2 Limited	Level 20, Westpac Place, 275 Kent Street, Sydney NSW2000
FlexiGroup Limited	Level 8, 201 Pacific Highway, St Leonards NSW2065

Signature

print name Anna O'Connell capacity Company Secretary sign here date 27/07/2007

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	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 6of
	the form.
(2)	See the definition of “associate” in section 9 of the Corporations Law.
(3)	See the definition of “relevant interest” in sections 608 and 671B(7) of the Corporations Law.
(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 scheme multiplied by 100.
(7)	Include details of:
	(a) Any relevant agreement or other circumstances because of which the change in relevant interest occurred. If
	subsection 671B(4) applies, a copy of any document setting out the terms of any relevant agreement, and with 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 Law.
(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 mus be included of any benefit paid on behalf of
	the substantial holder or its associate in relation to the acquisitions, even if they are not paid directly to the person from
	whom the relevant interest was acquired.

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SCHEDULE 2

Sales & Purchases for the period : 25/03/2007to 25/07/2007 SECURITY: FXL

BT Funds Management Limited

Date	Registered Company	Quantity	Value
30/04/2007	HSBC Custody Nominees (Australia) Limited.	-51,410	-150,477
30/04/2007	HSBC Custody Nominees (Australia) Limited.	-47,280	-138,389
18/06/2007	HSBC Custody Nominees (Australia) Limited.	-22,098	-67,655
18/06/2007	HSBC Custody Nominees (Australia) Limited.	-2,520	-7,715
19/06/2007	HSBC Custody Nominees (Australia) Limited.	-52,640	-157,952
19/06/2007	HSBC Custody Nominees (Australia) Limited.	-45,900	-137,728
20/06/2007	HSBC Custody Nominees (Australia) Limited.	-22,779	-68,337
25/07/2007	HSBC Custody Nominees (Australia) Limited.	54,700	157,525
25/07/2007	HSBC Custody Nominees (Australia) Limited.	48,650	140,102
	Total	-141,277	-430,625
Date	Registered Company	Quantity	Value
18/05/2007	JP Morgan Chase Bank	-179,964	-503,557
21/05/2007	JP Morgan Chase Bank	-300,000	-838,710
23/05/2007	JP Morgan Chase Bank	-46,000	-128,800
24/05/2007	JP Morgan Chase Bank	-254,000	-711,200
25/05/2007	JP Morgan Chase Bank	-31,993	-89,152
	Total	-811,957	-2,271,419
Date	Registered Company	Quantity	Value
15/05/2007	National Australia Bank Limited	-5,509	-15,701
21/05/2007	National Australia Bank Limited	77,449	216,524
3/07/2007	National Australia Bank Limited	-28,898	-83,911
	Total	43,042	116,912
	BT Funds Management Limited TOTAL :	-910,192	-2,585,131
BT Investment	Management No.2 Limited
Date	Registered Company	Quantity	Value
30/04/2007	Australia and New Zealand Banking Group Limited	-5,990	-17,533
18/06/2007	Australia and New Zealand Banking Group Limited	-1,920	-5,878
19/06/2007	Australia and New Zealand Banking Group Limited	-6,780	-20,344
25/07/2007	Australia and New Zealand Banking Group Limited	7,450	21,455
	Total	-7,240	-22,301
Date	Registered Company	Quantity	Value
30/04/2007	HSBC Custody Nominees (Australia) Limited.	-126,440	-370,090
30/04/2007	HSBC Custody Nominees (Australia) Limited.	-88,140	-257,986
21/05/2007	HSBC Custody Nominees (Australia) Limited.	144,719	404,591
18/06/2007	HSBC Custody Nominees (Australia) Limited.	-2,160	-6,613
19/06/2007	HSBC Custody Nominees (Australia) Limited.	-109,500	-328,566
19/06/2007	HSBC Custody Nominees (Australia) Limited.	-219,495	-658,617
20/06/2007	HSBC Custody Nominees (Australia) Limited.	22,779	68,337
22/06/2007	HSBC Custody Nominees (Australia) Limited.	133,753	397,246
6/07/2007	HSBC Custody Nominees (Australia) Limited.	-75,029	-221,951
9/07/2007	HSBC Custody Nominees (Australia) Limited.	-46,260	-134,617

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9/07/2007	HSBC Custody Nominees (Australia) Limited.	46,260	134,617
10/07/2007	HSBC Custody Nominees (Australia) Limited.	-24,322	-71,526
11/07/2007	HSBC Custody Nominees (Australia) Limited.	-20,000	-58,002
11/07/2007	HSBC Custody Nominees (Australia) Limited.	-16,259	-47,310
11/07/2007	HSBC Custody Nominees (Australia) Limited.	-10,000	-29,001
11/07/2007	HSBC Custody Nominees (Australia) Limited.	-8,130	-23,657
25/07/2007	HSBC Custody Nominees (Australia) Limited.	302,380	870,794
25/07/2007	HSBC Custody Nominees (Australia) Limited.	130,080	374,604
	Total	34,236	42,254
Date	Registered Company	Quantity	Value
15/05/2007	National Australia Bank Limited	-3,971	-11,317
21/05/2007	National Australia Bank Limited	77,832	217,595
	Total	73,861	206,278
Date	Registered Company	Quantity	Value
27/04/2007	National Australian Custodian Services	293,154	856,010
30/04/2007	National Australian Custodian Services	375,000	1,097,625
30/04/2007	National Australian Custodian Services	-22,500	-65,858
30/04/2007	National Australian Custodian Services	-10,410	-30,470
18/05/2007	National Australian Custodian Services	143,000	400,400
30/05/2007	National Australian Custodian Services	37,601	104,023
7/06/2007	National Australian Custodian Services	308,300	946,481
18/06/2007	National Australian Custodian Services	-6,690	-20,482
18/06/2007	National Australian Custodian Services	-7,460	-22,840
18/06/2007	National Australian Custodian Services	-3,040	-9,307
19/06/2007	National Australian Custodian Services	-12,020	-36,067
19/06/2007	National Australian Custodian Services	-29,310	-87,948
19/06/2007	National Australian Custodian Services	-63,920	-191,798
25/07/2007	National Australian Custodian Services	85,550	246,367
25/07/2007	National Australian Custodian Services	12,740	36,689
25/07/2007	National Australian Custodian Services	31,590	90,973
	Total	1,131,585	3,313,798
Date	Registered Company	Quantity	Value
30/04/2007	National Nominees Limited	-22,830	-66,823
18/06/2007	National Nominees Limited	-6,520	-19,962
19/06/2007	National Nominees Limited	-25,340	-76,035
25/07/2007	National Nominees Limited	26,860	77,351
	Total	-27,830	-85,469
	BT Investment Management No.2 Limited TOTAL :	1,204,612	3,454,560

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