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Click here to login and join the online AGM. For support, please refer to the virtual meeting support guide. The Annual General Meeting of Goulburn Murray Credit Union Co-Operative Limited (GMCU) will be held on 25 November 2026 commencing at 1.00 pm. Members will be able to attend the meeting online, with the ability to vote, comment, and ask questions in real time, or in advance of the meeting. Information about participating virtually is included as an Attachment to this notice. Agenda 1. To receive the Financial Report, Directors’ Report and Auditor’s Report for the year ended 30 June 2026. 2. To consider, and if thought fit, to pass the following as separate resolutions: 2.1 That Yvonne Wrigglesworth be appointed as a director. 2.2 That Steven Shaw be appointed as a director. 2.3 That Antoinette Truda be appointed as a director. Note: Directors Yvonne Wrigglesworth, Steven Shaw and Antoinette Truda retire by rotation this year, are eligible for re-election without nomination and have signified their intention to stand for election. As there are 3 candidates to fill 3 board vacancies, the election process is discontinued, and members will vote on the appointment of the directors by separate resolutions at the AGM. 3. To consider, and if thought fit, to pass the following resolution:That, for the purposes of Constitution rule 17.1, the maximum aggregate directors’ remuneration be set at $257,861 plus super guarantee per year, commencing from 1 July 2026, and that, for the avoidance of doubt, the Credit Union may pay from the aggregate annual amount, remuneration to a person for services provided as a director at any time on or after 1 July 2026. For clarity, the Director’s remuneration excludes the remuneration of the Managing Director. 4. To consider and, if thought fit, to pass the following resolution as a special resolution:That the Constitution be amended so that the Demutualisation Approval Procedure rules in Appendix 5 of the Constitution are extended until the 2029 Annual General Meeting. Note: The proposed amendments to the Credit Union’s Constitution are described in the Explanatory Notes to this Notice. A copy of the Constitution marked-up with the proposed amendments is available below. Alternatively, members can request a copy by contacting the Credit Union via info@gmcu.com.au. Copies will also be available to view at the Annual General Meeting. By Order of the Board of DirectorsHayley CollinsReturning Officer Proxies You can vote on these resolutions by proxy. Your proxy does not have to be a member of the Credit Union. An Appointment of Proxy form is available on application to any branch of the Credit Union. For your appointment to be valid, the completed Appointment of Proxy form must reach Goulburn Murray Credit Union Co-operative Limited by no later than 1.00 pm on 23 November 2026. Explanatory Notes Agenda Item 4: Amendment to Constitution Extension of the Demutualisation Approval Procedure Rules Appendix 5 of the Constitution sets out the Demutualisation Approval Procedure Rules (DAPRs), which impose an additional requirement for member approval via a postal ballot process for types of proposals that risk demutualising the Credit Union. To address the risk that the DAPRs may be triggered by proposals that are not real demutualisations, the DAPRs include a clause under which they cease to have effect by a specified sunset date. The intention is to continually extend the sunset date by a special resolution of members, unless any issue arose that suggested the DAPRs should be amended or deleted. Without the sunset clause, amending or deleting the DAPRs requires approval in accordance with the postal ballot process in the DAPRs. The DAPRs specify a sunset date of the end of the 2026 AGM. The special resolution will set a new sunset date of the end of the 2029 AGM. This special resolution requires approval by at least 75% of votes cast by members to pass. Your directors unanimously support this special resolution and recommend that you vote FOR it. Need help joining the meeting online? If you have any technical issues, please try the following: Feed not starting: If meeting time has passed, refresh your page and try again. Ensure you are using the latest Chrome, Firefox, or Safari Browser. Not recommended using Microsoft Edge. Stuttering Video & Sound: refresh page; OR close all applications and re-open in chrome. Still persisting, reboot computer and only open 1 tab with the video stream. No Voting Page Available: Are you a voting Member? Only voting members have access to the voting. Run: www.speedtest.net; make sure you have over 2Mbps of download available. Any other queries please contact Vero Voting Support: support@verovoting.com.au (or Phone: 1300 702 898) Related meeting documents 2026 Annual Report2026 Notice of Annual General Meeting2026 Proxy Nomination Form2026 Virtual Meeting Guide - Vero Voting Quick Reference GuideProposed amendments to the Credit Union’s Constitution

Following the Reserve Bank of Australia’s recent decision to increase the official cash rate by 0.25%, we have reviewed our interest rates across lending and deposit products. From Tuesday 6 October 2026, GMCU will increase interest rates by 0.25% p.a. on our Variable Rate Home Loans.   What this means for borrowers   When the rate changes: Your interest rate will change from Tuesday 6 October. When repayments change: Your new minimum repayment amount will apply from your next repayment cycle after 4 November. What you need to do: If you make automatic payments to your loan, check your payment amount and increase it if necessary to ensure it covers your new minimum repayment. Where to find your details: Your updated interest rate, minimum repayment amount and repayment due date will be available in Internet Banking and the GMCU App from Tuesday 6 October. All members impacted by this change will receive written notification with the new interest rate, minimum repayment amount and effective date specific to their loan.   Changes to deposit interest rates   We’re also increasing rates across selected deposit products, providing additional value for members who save and invest with GMCU. Advantage Saver Account: From 1 November 2026, the total rate on our Advantage Saver Account will increase by 0.25% p.a., taking the total rate, including base and bonus interest, to 4.80% p.a. Term deposits: New term deposit rates include 5.25% p.a. for 6 months and 5.15% p.a. for 12 months.   We’re here to support our members   We understand that higher interest rates can place additional pressure on household budgets, particularly for members with home loans. Our fixed home loan rates are not changing at this time, providing another option for members looking for greater certainty around their interest rate. Speak with your local GMCU lender if you’d like to discuss your home loan options. If you are experiencing financial difficulty or are concerned you may have trouble making your repayments, please contact us as soon as possible. The sooner you speak with us, the sooner we can understand your circumstances and discuss what support may be available. You can learn more about the support available here.   Contact us If you have any questions about these interest rate changes or how they affect you, please visit your local branch speak with your local GMCU lender call us on 1800 MY GMCU (1800 694 628)

Banking with GMCU is becoming easier, more accessible and more flexible. New members aged 30 and under can now open an Everyday Start Account online - so that wherever life takes them, they can continue to be supported by our local banking team in the Goulburn Valley.   Just the beginning This is the first step in a broader digital banking experience for our members. In the coming weeks and months, online account opening will expand so that both new and existing GMCU members can open transaction accounts and savings accounts online in minutes. Later this year, our members will be able to apply for a Personal Loan online. And from next year, we'll begin introducing online Home Loan applications, creating a simpler way for people to start their home ownership journey with GMCU.   Local support remains at the heart of what we do While technology is helping us simplify the process, our commitment to personalised service remains unchanged. Every new membership, account or application is supported by our local branch and Member Care Centre teams right here in the Goulburn Valley. We're committed to helping young people build strong financial foundations and work towards the goals that matter most. From everyday banking and savings through to home ownership, we're continuing to build products, services and local, knowledgeable support that help young people get ahead. Our team is working hard to find ways to help get young people take their first step into home ownership, including offering access to the Government's 5% deposit home buyer scheme, later this year.   Banking for today and tomorrow At GMCU, we're focused on ensuring our members can bank with us how and when they choose - making it easier to start and grow a relationship with us, whether that's online, over the phone or in branch. Whether you're opening your first account, saving towards a goal or planning for your first home, now it’s quick and easy to start and grow your relationship with GMCU.   Ready to get started? Join GMCU online today and open an Everyday Start Account online in minutes.  

An important reminder for members to stay alert, following some reports of spoofed Dropbox DocSend emails impersonating GMCU and other trusted organisations in our community, which are designed to trick people into clicking unsafe links. Online scammers continue to refine their techniques, often making fraudulent messages look legitimate. Staying vigilant helps protect your personal information and your money. What these fake emails look like We have received multiple reports of DocSend‑style emails where: The sender’s email address is not from @gmcu.com.au (often appearing as an @outlook.com address) The email urges you to “view” or “review” a document The link leads to a website that is not affiliated with DocSend These emails can appear convincing, so careful checking is essential. How to spot a fraudulent DocSend or GMCU email ✔ Check the sender’s address Scammers may spoof a name, but the domain (the part after @) is usually a giveaway. Genuine GMCU emails only come from @gmcu.com.au. Legitimate DocSend emails typically come from docsend.com or dropboxmail.com and are used for secure document sharing. ✔ Hover before clicking links Before clicking “View Document,” over links before clicking to ensure they direct to "docsend.com/view/..." rather than a misspelled or different domain, do not click it. ✔ Watch for other red flags Be cautious of emails that include: Unexpected or urgent requests Poor grammar or unusual formatting Suspicious attachments such as .zip or .exe files Anything that feels out of the ordinary What to do if you receive a suspicious email If you receive an email that seems unusual or claims to be from GMCU or DocSend: Do not click any links or attachments. Forward the email as an attachment to GMCU for verification. Delete the email from your inbox and from your deleted items folder. If you are unsure, contact us directly. We are here to help. Your security is our priority We take the security of your personal and financial information seriously. We will never ask you to open unexpected attachments or provide sensitive information through email links. If you ever have concerns about an email you receive, please reach out to us. 

We’re here to support members and communities impacted by the bushfires. If you need financial assistance, contact us as soon as it’s safe to do so.  Contact Us: 📞 1800 MY GMCU (1800 694 628) | 9am–5pm, Monday to Friday. If you call outside these hours, you can leave a message, and we can call you back when our team are available. Branch Access: All branches open except Violet Town. Check Branch Locations for updates. Digital Banking: Manage your money safely with Internet Banking, GMCU App, and Digital Cards. Get Started. Government Support: Learn about hardship payments, relief centres and road closures: https://emergency.vic.gov.au/relief/#january_2026_fires Our Support Options: Insurance claims Loan repayment relief Fee waivers Emergency access to funds Community grants - Request Support Additional Help: https://ndh.org.au https://www.disasterassist.gov.au https://www.servicesaustralia.gov.au

The GMCU Mobile App has been updated to improve your experience. We’ve taken on your feedback and worked hard to make the App smarter, faster and more personal. From a refreshed look and smoother navigation to new features that put you in control, making your everyday banking easier. Simpler navigation: Enjoy an improved interface, dashboard, and navigation for a smoother experience. Re-designed Dashboard: See your account details and balances, track your spending, and view your savings goals, all from your dashboard. Personalise your view: Customise your dashboard by choosing which accounts and widgets you want to see. Make it yours: Upload a profile picture to make the App yours. This update also introduces Confirmation of Payee, helping you verify payee details so you can send money to the right person with confidence. Learn more about Confirmation of Payee here. This update is now available for you to download on Google Play and the Apple App Store.