PEPPER MONEY LIMITED — Director's Dealing 2021

Appendix 3X Initial Director’s Interest Notice

Rule 3.19A.1

Appendix 3X

Initial Director’s Interest Notice

Information or documents not available now must be given to ASX as soon as available. Information and documents given to ASX become ASX’s property and may be made public.

Introduced 30/9/2001.

We (the entity) give ASX the following information under listing rule 3.19A.1 and as agent for the director for the purposes of section 205G of the Corporations Act.

Part 1 - Director’s relevant interests in securities of which the director is the registered holder

In the case of a trust, this includes interests in the trust made available by the responsible entity of the trust

Note: In the case of a company, interests which come within paragraph (i) of the definition of “notifiable interest of a director” should be disclosed in this part.

Number & class of securities

Nil

• See chapter 19 for defined terms.

Appendix 3X Page 1

11/3/2002

Appendix 3X Initial Director’s Interest Notice

Part 2 – Director’s relevant interests in securities of which the director is not the registered holder

In the case of a trust, this includes interests in the trust made available by the responsible entity of the trust

Name of holder & nature of Number & class of Securities interest

Note: Provide details of the circumstances giving rise to the relevant interest.

ST & JT Pty Limited (ACN 161 857 8,651 ordinary shares 843) as trustee for the Turnbull Super Fund ( Turnbull Super Fund ) will be the registered holder of 8,651 fully paid ordinary shares on and from 27 May 2021 ( Shares ). The Shares are being acquired by the Turnbull Super Funds under the offer for fully paid ordinary shares in Pepper Money pursuant to the prospectus lodged by Pepper Money with the Australian Securities and Investment Commission on 7 May 2021.

Justine Turnbull is a director and shareholder of ST & JT Pty Limited (ACN 161 857 843) and beneficiary of the Turnbull Super Fund.

Part 3 – Director’s interests in contracts

Note: In the case of a company, interests which come within paragraph (ii) of the definition of “notifiable interest of a director” should be disclosed in this part.

• See chapter 19 for defined terms.

Appendix 3X Page 2

11/3/2002