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Following the Reserve Bank of Australia’s recent decision to increase the official cash rate by 0.25%, we have carefully reviewed our interest rates across lending and deposit products. As a member‑owned organisation, GMCU must balance the needs of all our members - borrowers and depositors - while ensuring we remain financially strong, sustainable and able to continue supporting our community over the long term. From Wednesday 5 March 2026, GMCU will increase interest rates by 0.25% p.a. on Variable rate home loans and overdrafts What this means for borrowers You may need to adjust any automatic transfers you’ve set up to ensure your new minimum repayment amount is met.Your updated interest rate and minimum repayment will be available in Internet Banking and the GMCU App from Wednesday 5 March 2026. All members impacted by this change will shortly receive written notification with details specific to their loan. Changes to deposit interest rates As part of our review, we will also be increasing interest rates on selected deposit products, recognising the loyalty for members who continue to save and invest with GMCU. Advantage Saver Account: From 1 March 2026, the total rate on our Advantage Saver Account will increase by 0.05% p.a., taking the total rate (base plus bonus) to 4.05% p.a. Term deposits: From 11 February 2026, interest rates will increase on 12 and 24 month term deposits (balances of $5,000 and over) - with a 12 month term paying 4.10% p.a. (with interest paid upon maturity)^ We’re here to help If you have any questions about these changes or would like to discuss what they might mean for you, our team is here to help. Visit your local branch Speak with your local GMCU lender Call us on 1800 MY GMCU (1800 694 628)   Early withdrawals attract a reduced interest rate. 3-12 month terms: Interest paid at maturity. Interest may be added to principal amount to be reinvested or paid to an account. 24 month term: Interest paid annually. First interest amount paid to an account, second interest payment may be added to principal and reinvested or paid to an account. Minimum deposit $100. Rates for deposits greater than $2million are available on application. Fixed Interest. Calculated on Daily Balance. Refer to Conditions of Use for full details.

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.

Keeping you and your money safe: shopping online this Christmas    Ahead of the festive season, many of us find online shopping to be a convenient way to buy gifts, but it’s important to stay alert and vigilant to protect yourself online.  Online scams are now a common threat. Did you know in 2025, Australians lost $259 million due to scams online (Scamwatch). GMCU Fraud & Disputes Lead, Duane Cousins shares his top tips to staying safe when shopping online:  Keep your devices up to date by having the latest updates installed and having strong passwords for all devices and accounts Use a trusted network such as your home Wi-Fi or 5G rather than public Wi-Fi  Shop at trusted sellers by doing checks prior to make sure they’re genuine sellers  Know your rights as a buyer by taking the time to ready the terms and conditions carefully Use secure payments such as PayPal, PayID PayTo or debit card to make the transaction as secure as possible  Check your bank statements regularly to make sure you’ve been charged the right amount and if you see something you don’t recognise, it could be a sign that a scam has occurred  Products that are for sale at an unusually low price compared to usual or other more reputable websites often indicate a scam  Be wary of social media stores that are new, scammers like to post fake ads and fake reviews  “Scammers are becoming more sophisticated every year, but with a few simple precautions, you can shop online with confidence. Staying informed and vigilant is your best defence,” says Duane.  “Our members and community should be able to enjoy the festive season without worry. A little extra care when shopping online can make all the difference in protecting yourself and your loved ones.”  If you think you’ve been scammed, report it to Scamwatch and call us on 1800 MY GMCU or drop into your local branch.  Don’t let scammers take your joy this festive season.  Learn more at safety tips at: www.beconnected.esafety.gov.au or at scamwatch.gov.au  

 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 26 November 2025 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.  Agenda 1. To receive the Financial Report, Directors’ Report and Auditor’s Report for the year ended 30 June 2025.2. To consider, and if thought fit, to pass the following as separate resolutions: 2.1 That Eugenie Stragalinos be appointed as a director.Note: Director Eugenie Stragalinos retires by rotation this year, is eligible for re-election by invitation of the Board and has signified the intention to stand for election. 2.2 That Adam Woods be appointed as a director.Note: Director Adam Woods retires by rotation this year, is eligible for re-election without nomination and has signified the intention to stand for election. 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 $249,142 PLUS super guarantee per year, commencing from 1 July 2025, 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 2025. By Order of the Board of Directors Hayley 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 for download here. 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 24 November 2025. 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 2025 Notice of Annual General Meeting2025 Annual Report2025 Proxy Nomination Form2025 Virtual Meeting Guide - Vero Voting Quick Reference Guide

The Annual General Meeting of Goulburn Murray Credit Union Co-Operative Limited (GMCU) will be held virtually, via Vero Voting on Wednesday 26 November 2025, commencing at 1.00 p.m. (AEDT). 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. GMCU will provide further information on how to access the Vero Voting Platform at gmcu.com.au/AGM in advance of the meeting. ELECTION OF DIRECTORS An election of directors is required in conjunction with the Annual General Meeting. Nominations In accordance with the Credit Union’s Rule A4-2, nominations are now invited from members for the position of director. Nomination forms are available by contacting the Returning Officer at the Credit Union’s Head Office. Nominations must be signed by two (2) members as nominators and must be signed by the nominee consenting to the nomination, together with a declaration as to his or her eligibility to be a director in accordance with the Credit Union’s Rule 13.2. Nominees are required to complete all forms necessary to allow testing under APRA’s Fit & Proper guidelines. You cannot be a director of GMCU if you have been convicted of a disqualifying offence as set out in s20 of the Banking Act 1959. To check whether a person has been convicted of a disqualifying offence GMCU will conduct a criminal history check on all candidates with the Australian Federal Police, together with a bankruptcy check and register checks with Australian Prudential Regulation Authority (APRA) and Australian Securities and Investment Commission (ASIC). Nominations and Consents must be lodged at a branch of the GMCU by 5.00 pm on Tuesday 21 October 2025. Ballot If a ballot is necessary to decide the election, the order in which the candidates appear on the ballot paper is to be determined by the returning officer. The ballot will be held at the Annual General Meeting. Hayley Collins Returning Officer