FIRSTMAC ASSETS - Key Persons

Job Titles:

• Chairman
• Member of the Board of Directors
• Non - Executive Director

Andrew heads Huntington Group Pty Limited, a Brisbane based corporate advisor company. He has experience in chartered accounting with KPMG and Littlewoods, merchant banking with AIFC (an affiliate of ANZ Banking Group) and since 1987 with Huntington Group. He is currently a Non-Executive Director of PTB Groups Limited (since August 2006), and Silver Chef Limited (since April 2005), He was a director of G8 Education Limited from March 2011 until March 2015. He has been a Director of Firstmac Limited since 7 January 2002.

Job Titles:

• Chairman
• Member of the Board of Directors
• Non - Executive Director
• Bede King Chairman

Bede is a practising Solicitor and Managing Partner of Tobin King Lateef Solicitors and Notaries. He has extensive legal expertise in the commercial and property sectors and in managed investments/compliance areas. He is a member of a number of compliance committees for Pinnacle Funds Services Limited and Channel Investment Management Limited. He is a Director of SIV Capital Limited (formerly Silver Chef Limited). He has recently ceased acting as a Trustee of QSuper and has also resigned as a Director of its subsidiary companies. Bede is an Associate Member of the Financial Services Institute of Australasia and the Australian Institute of Company Directors. He has been a Director of Firstmac Limited since 7 January 2004.

Job Titles:

• Financial Controller
• Member of the Executives and Senior Management Team

Brian has been Financial Controller of the group since July 2001. His previous experience includes working for Sunstate Credit Union for seven years, first as a Management Accountant and then as the Financial Controller. After Sunstate merged with Northern and First State Building Societies, he was appointed Manager Accounting Services, a position he held for two years. Prior to joining Firstmac he was Finance Manager for a general insurer in Brisbane. Brian holds a Bachelor of Business (Acct) and is currently a Certified Practicing Accountant (CPA).

Job Titles:

• Tracey Boyes Head of Human Resources

Job Titles:

• Independent Director
• Member of the Board
• Director of Forsight Australia

Craig recently retired from Westpac after 41 years. Craig was previously responsible for Westpac's global structured finance and securitisation activities for over 17 years. Westpac dominates the Securitisation and Structured Finance market across Australia and New Zealand in all major asset classes including Residential Mortgages and Auto Loans. Craig previously led Client Relationship Management and Corporate Finance teams in Australia and Hong Kong. He holds a BA (Economics), B.Ec (Accounting & Finance) and an MBA from Macquarie University, Sydney. He is also a CPA. Craig was recently recognised as a Fellow of the Australian Securitisation Forum recognising his contribution to the Securitisation industry. Craig is also a Director of Forsight Australia, a Disability Accommodation and Services organisation and is Chair of the Finance Committee. Craig was until recently a member of the Investment Committee of the Cancer Council NSW for 9 years.

Job Titles:

• Member of the Board
• Financial Services Manager
• in 2011 As Head of Legal, Risk and Compliance

David Gration is a highly-experienced financial services manager who joined the Firstmac board in 2023 after more than a decade as a senior member of the Firstmac executive. David first joined Firstmac in 2011 as Head of Legal, Risk and Compliance, and was then appointed to a number of senior roles, with his last executive role being General Manager, Sales and Operations. In that role, he had primary day-to-day oversight of Retail and Third Party Sales, Sales Support, Contact Centre, IT, Operations, Legal and Collection teams and business functions. David has over 20 years of retail banking experience, including senior management roles at NAB and Suncorp. David obtained Law and Science degrees from Monash University and has a Graduate Management Qualification from UNSW. He also has a Diploma in Financial Planning and a Certificate IV in Mortgage Broking.

Job Titles:

• Chief Financial Officer
• Member of the Executives and Senior Management Team
• Chief Financial Officer / Brisbane

James is the CFO of Firstmac Limited, a role he has held since 2005. James has a wealth of knowledge in treasury and capital markets and expertise in debt, equity, and derivative markets. He managed the acquisition and integration of HSBC's $2.2 billion residential mortgage portfolio in 2006, has overseen the issuance of more than $29 billion of RMBS, and managed Firstmac through volatile global funding markets. James started his career at KPMG in Brisbane where he attained his ACA qualifications with the Institute of Chartered Accountants. He has since worked for CSFB, Abbey National, and HSBC. He has a Bachelor of Business (Accounting) from the Queensland University of Technology.

Job Titles:

• Head of Group Operations

Julie is the Head of Group Operations for Firstmac, a position she has held since 2011. In this role she has daily operational oversight for all products, Home Loans, Auto and ABS lending. She oversees a number of key teams including Loans Processing, Sales Support and Loan Administration. Julie has been with Firstmac for more than 20 years, having started with the company in our Gold Coast office in 1999. During this time, she has worked in a variety of roles throughout the business, including Sales Support, Customer Care, Credit, Loan Administration, Customer Training, IT Development, Business Development Manager and Project Management.

Job Titles:

• Certified Practising Accountant
• Chief Operating Officer
• Executive
• Finance

Kevin is a seasoned finance executive with over 25 years of experience in the banking and finance industry. Throughout his career, he has successfully executed strategic initiatives and demonstrated pivotal leadership as the Chief Financial Officer of a bank. In the finance industry, he has also played a crucial role in wholesale debt funding and risk management. Currently, Kevin serves as the Chief Operating Officer at Firstmac, where he oversees product, strategy, and acquisitions, as well as the associated digital media and lead generation businesses. He has had multiple senior roles at Firstmac over two separate stints, including in his most recent role as General Manager of Strategy, where he played a critical role in the acquisition of various digital media businesses, websites, and intellectual property assets. Prior to rejoining Firstmac, Kevin worked as the Chief Financial Officer for RACQ Bank and QT Mutual Bank for seven years. During his first stint at Firstmac, Kevin played an integral role in establishing wholesale funding vehicles and led Legal Risk and Compliance. Before joining Firstmac, he held various positions at Bendigo Bank in finance, internal audit, and treasury. Kevin is a Certified Practising Accountant with a bachelor's degree in accounting, postgraduate qualifications in Applied Finance from Kaplan, and postgraduate qualifications in Applied Corporate Governance and Risk Management from The Governance Institute of Australia.

Job Titles:

• Founder
• Managing Director
• Member of the Board of Directors
• Bede King Chairman
• Kim Cannon Founder / Managing Director

Kim is founder and Managing Director of Firstmac Limited. He has been in the Australian finance industry for more than 40 years, and has owned a number of different companies and brands in that time. Kim was there at the start of non-bank lending in Australia and is one of the leaders that challenged the banking industry at the time and made home loans more competitive for every day consumers. Kim is well known in the industry for creating innovative products to help people meet their financial goals. Throughout his career he has been excellent at anticipating the evolution of the industry and this, combined with his customer-centric focus, has allowed him to build a non-bank lender that is nimble and innovative. Today, Firstmac is one of the few non-bank mortgage lenders left in Australia following the Global Financial Crisis, and Kim sees the company's role as providing much-needed competition in the industry. Kim's philosophy that business is built on strong relationships, honesty, and integrity has helped to make him a respected leader in the financial services sector. Kim does not see the need for Firstmac to have branches because technology allows so many other ways for people to make contact. Kim believes the way forward is to provide technology to help people manage their financial lives when they want, where they want. Not between 9-5 in a branch. Kim's hobbies outside of work include sport, photography, videography and music. He is a die-hard fan of British rock group Pink Floyd - a fact you can't miss if you visit him in his office.

Job Titles:

• Chief Commercial Officer
• Kim Cannon Founder / Managing Director
• Managing Director of Loans.Com.Au

Marie Mortimer is the Managing Director of loans.com.au and the Chief Commercial Officer for Firstmac. As a family business operator, her role covers many responsibilities across the Firstmac Group of companies including Retail Sales, Third Party Sales, Strategic Partnerships, Customer Care, Marketing, Human Resources and Family Office Management. Marie is also responsible for launching our Women, Children and Community Program in 2021, which has since been awarded for its contribution to causes that impact our community. Marie started her career at Firstmac in 2000, working in hands-on roles in most areas of the business including Loan Administration, Credit, Customer Service, Financial Services, Customer Training and Private Accounts. In 2006, she left to work for the Royal Bank of Scotland in London where she worked in Change Management, before returning to Firstmac in 2010 to head up the IT Department and join the Executive. In 2011 she was responsible for launching loans.com.au. Marie studied at the Queensland University of Technology where she obtained a Bachelor of Business, majoring in Banking and Finance with a funds management extended major, and a Post Graduate Certificate in Property Economics. She also has a Diploma of Financial Planning and is a Graduate of the Australian Institute of Company Directors. In 2020 Marie was awarded Greater Brisbane Woman in Business of the Year Award, and she was also named a finalist for the Lord Mayor's Business Person of the Year and Women In Digital Executive Leader of the Year. She has a passion for innovating finance in Australia, whether it be through our retail distribution or via our strong third-party relationships. Her aim is to continue to grow Firstmac for many years to come to have a positive impact on our customers, our employees and the community in which we operate.

Job Titles:

• Member of the Executives and Senior Management Team
• Director Securitisation
• Director Securitisation / Sydney

Paul has been with Firstmac for 14 years as Director - Securitisation. He has been instrumental in the support of the structuring and issuance of the Firstmac RMBS programme. Paul has over 30 years' experience in the finance industry and has a thorough understanding of the mortgage lending market. He has held executive management positions with a number of lending, mortgage insurance and securitisation institutions and has direct experience in sales, marketing, credit, portfolio management, systems and policy development and implementation, and product development. Paul's involvement in the securitisation sector of the market dates back to 1989 when he was a provider of credit enhancement to securitised programs. He worked for Australian Mortgage Securities and was a Director of the RESIMAC Mortgage Securitisation Program from 1996, which at the time of his departure in 2001 had assets of approximately $2 billion and had issued both domestically and offshore. Paul has studied law, commerce, Asian business studies and various other industry related courses. His current position at Firstmac relates to the provision and maintenance of the company's funding arrangements and the structuring and issuance of the company's debt securities. He has been with the company since early 2002.

Job Titles:

• Member of the Board
• Member of the Board of Directors
• Non - Executive Director
• Member of the Council
• Rod Minell Board Member

Rod Minell first joined Firstmac in 2004 and was with the company as Executive Director until his retirement in 2020. Since July 2020, Rod has remained on the board as Non-Executive Director. Rod has over 25 years investment banking experience. He was previously an Executive Director of Imagine Group (Australia) Pty Limited, a wholly-owned subsidiary of diversified financial conglomerate, Brookfield Asset Management Canada (NYSE: BAM), which acquired Centre Solutions (Australia) in October 2003. Rod was Managing Director of Centre Solutions (Australia) from November 2000. Centre Solutions (Australia) was a provider of high-yield structured finance via subordinated debt, mezzanine equity and structured reinsurance products to large Australian corporates. Prior to working at Centre Solutions (Australia), Rod worked at ABN AMRO Australia Limited for ten years and was a director and member of its management and credit committees. At ABN AMRO, Rod held positions as head of its corporate and structured finance, financial engineering, capital markets and syndication departments. Rod is a member of the Council and former deputy chairman of Australian Red Cross NSW.

Job Titles:

• Member of the Board
• Director of ASX
• Director With a Mixture of ASX
• Sophie Mitchell Board Member

Sophie is an experienced director with a mixture of ASX listed, unlisted, not for profit, advisory and government appointments. She also has more than 20 years' experience in equity capital markets, with senior executive roles in corporate advisory (primary and secondary equity capital raisings, mergers & acquisitions, corporate restructurings), funds management, and equities research. Sophie is currently a director of ASX-listed Corporate Travel Management Limited and NZX/ASX listed Tourism Holdings Limited. Sophie is also a Non-executive Director of Morgans (Holdings) Australia Limited, Myer Family Investments Limited and Chairman of Healthcare Logic Global Limited. In the not-for-profit sector, is a director of Morgans Foundation Limited.

Job Titles:

• Head of Human Resources
• Member of the Executives and Senior Management Team
• Tracey Boyes Head of Human Resources

Tracey has been with Firstmac since 2006. This was her first role in Australia after migrating in December 2005 from the UK. Her challenge on joining the team at Firstmac was to help develop and implement effective HR strategies, policies and procedures and provide strategic and operational HR advice and services to a business that was growing rapidly. As a member of the Executive team, Tracey has tried to ensure that there is an integrated approach with ‘people' policies and decision making that support the overall achievement of business objectives. In the UK, Tracey was a Chartered Member of the Institute of Personnel and Development and spent more than 20 years in various HR disciplines working for the Lloyds TSB Group. Her final years with the Group were spent as a HR Business partner covering the Insurance and Investment business. This involved the amalgamation of terms and conditions of employment from different businesses acquired by the group, the introduction of a new performance management system that linked to pay, and the provision of a HR consultancy service to the Directors of the business units. Tracey has been known throughout her Human Resources career for her persuasive style and positive, adaptable attitude in achieving ‘value' in business terms. She is an excellent communicator who is able to understand customer needs and influence decisions to the highest level.