Bendigo and Adelaide Bank : Reference guide on how to attend, vote and ask questions at the AGM

Annual General

Meeting 2021

User Guide

Bendigo and Adelaide Bank Limited's Annual General Meeting (AGM) will be held at 11:00am (AEDT) on Tuesday, 9 November 2021. Details about the AGM are contained in the Notice of Meeting which is located at https://www.bendigoadelaide.com.au/agm2021.

This User Guide provides further information on how you can participate in, and vote before or at, the AGM.

Contents:

Online virtual meeting	Part 1	- Participate and vote in the Online Virtual AGM
Telephone conference	Part 2	- Listen and ask questions via telephone conference
Webcast	Part 3	- Listen and watch the AGM via webcast
Voting options	Part 4	- Voting before the AGM

Need help?

If you require any assistance to join and/ or vote (at or before) the AGM, please call 1300 032 762 or

[phone].

Part 1 - Participate and vote in the Online Virtual AGM

1. Getting Started

o vote and ask questions in the online virtual AGM, join at https://web.lumiagm.com/310435634 using any web browser on a computer, tablet or smartphone device (using the latest version of Chrome, Safari, Internet Explorer 11, Edge or Firefox).

Online registration will open at 10:30am (AEDT) on Tuesday, 9 November 2021.

You will need the following details to join the AGM:

Meeting ID

Username

Password

Appointed proxy / attorneys / corporate representatives

310 435 634

Your Voting Access Code (VAC) as shown on your Direct Voting / Proxy Form*

Australian Residents: Postcode of the registered holding

Overseas Residents: The three-character country code which can be found at the end of this user guide.

To receive your Username and Password, please contact our share registry, Boardroom, on 1300 032 762 (within Australia) or [phone] (internationally) or send an email to [e-mail] to pre-register and obtain your login details.

• If you have received more than one Direct Voting / Proxy Form for different shareholdings then you will need to log in separately for each holding using the corresponding Voting Access Code and postcode on the Direct Voting / Proxy Form in order to vote in real-time during the online virtual AGM.

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1. Getting Started (continued)

1. To join the virtual meeting, you will need to enter the unique 9-digitMeeting ID 310 435 634 and select 'Join'. To proceed to registration, you will be asked to read and accept the Terms and Conditions.
2. If you are a Shareholder, select 'I have a login' and enter your Username and Password.
3. If you are a Proxy holder, attorney or corporate representative you will need to enter the unique Username and Password provided by Boardroom prior to the meeting and select 'Login'.
4. If you are not a Shareholder, select 'I am a guest'. You will be asked to enter your name and email details, then select 'Enter'. Please note guests are not able to vote or ask questions at the AGM.

2. Navigating

1. Once you have registered, you will be taken to the homepage which displays your name and the AGM information.
2. To activate the webcast, please click on the Broadcast bar at the bottom of the screen. If prompted you may have to click the play button in the window to initiate the broadcast.
3. Once you select to view the broadcast it can take up to approximately 30 seconds for the live feed to appear on some devices. If you attempt to login before the AGM commences, a dialog box will appear until the meeting does commence.
4. It is recommended that once you have logged in, you keep your browser open for the duration of the AGM. If you close your browser you will be asked to repeat the log in process.

3. To ask a Question Written questions

1. Select the question icon at the top of the screen
2. Compose your question as concisely as possible.
3. Select the send icon
4. You will receive confirmation that your question has been received.

Oral questions

1. Pause the meeting broadcast and select 'Asking audio questions'.
2. Enter your name and the topic of the question.
3. You will be placed in to a virtual queue. You will be able to listen to the live audio from the meeting.
4. When it is your turn, your name will be read out by the moderator, and you will be asked to proceed to ask your question.
5. After you have asked your question, hang up, and return to the Lumi platform.

4. To Vote

1. When the Chair declares the polls open, select the voting
   icon at the top of the screen and the resolutions and voting choices will appear.
2. Press the option corresponding with the way in which you wish to vote.
3. Once the option has been selected, the vote will appear in blue.
4. If you wish to change your vote, you can simply press the new vote option or cancel your vote at any time before the Chair closes the polls.
5. Upon conclusion of the AGM the home screen will be updated to state that the meeting is now closed.

5. Auslan sign-language and script at bottom of screen

An Auslan interpreter will be available on-screen for the duration of the meeting, and closed captioning will also be available for the Chair's and Managing Director's speeches.

Need	If you require any help using this system prior
help?	to or during the AGM, please call 1300 032
	762 or [phone] for assistance.

Part 2 - Listen and ask questions via telephone conference

1. Getting Started

1. To receive the details for the telephone conference line, contact the Bank's registry, Boardroom before 10.30am (AEDT) on Tuesday, 9 November 2021 by: Telephone: [phone] or [phone] or Email: [e-mail]

2. To ask a Question

1. Instructions will be provided when connected to the call on how to be placed in the queue to ask an oral question.
2. You will need your Voting Access Code (VAC) for verification.
3. Please note guests are not able to ask questions at the AGM.

Need	If you require any help using the telephone
help?	conference prior to or during the AGM, please
	call 1300 032 762 or [phone] for
	assistance.

3. To Vote

Voting on the day of the AGM is not possible through the telephone conference.

Refer to "Part 4 - Voting before the AGM" referenced later in this guide on how to vote before 11:00am (AEDT) on Sunday, 7 November 2021.

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Part 3 - Listen and watch the AGM via webcast

1. Getting Started

Shareholders may view the AGM live on the Bank's website by visiting the link at https://www.bendigoadelaide.com.au/ agm2021 on any device.

2. To ask a Question

Questions from shareholders are not able to be put forward through the webcast.

Questions can be submitted prior to the meeting and no later than 5:00pm (AEDT) Tuesday, 2 November 2021 by either:

• visiting the linkhttps://www.votingonline.com.au/benagm2021 and using the 'Ask the Board' facility within the online voting site; or
• mailing or faxing questions to the Bank's registry, Boardroom, at GPO Box 3993, Sydney NSW 2001 (or facsimile number [phone]).

3. To Vote

Voting on the day of the AGM is not possible through the webcast.

Refer to "Part 4 - Voting before the AGM" referenced in the next section of this guide on how to vote before 11:00am (AEDT) on Sunday, 7 November 2021.

Part 4 - Voting before the AGM

All eligible shareholders are encouraged to vote ahead of the AGM by no later than 11:00am (AEDT) on Sunday, 7 November 2021.

Provide your Direct Voting / Proxy Form by any of the following means:

By mail Share Registry - Boardroom Pty Limited

GPO Box 3993, Sydney NSW 2001

In person The Bank's Share Registry, Boardroom Pty Limited,

Level 12, 225 George Street, Sydney

By facsimile [phone]

Or submit your votes electronically:

Online Visit https://www.votingonline.com.au/benagm2021

By smartphone Scan QR Code using smartphone QR Reader App

To vote during the AGM, refer to "Part 1 - Participate and vote in the Online Virtual AGM" referenced earlier in this guide.

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Country codes

For overseas shareholders, select your country code from the list below and enter it into the password field

ABW	Aruba		CZE	Czech Republic		JOR	Jordan
AFG	Afghanistan		DEU	Germany		JPN	Japan
AGO	Angola		DJI	Djibouti		KAZ	Kazakhstan
AIA	Anguilla		DMA	Dominica		KEN	Kenya
ALA	Aland Islands		DNK	Denmark		KGZ	Kyrgyzstan
ALB	Albania		DOM	Dominican Republic		KHM	Cambodia
AND	Andorra		DZA	Algeria		KIR	Kiribati
ANT	Netherlands Antilles		ECU	Ecuador		KNA	St Kitts And Nevis
ARE	United Arab Emirates		EGY	Egypt		KOR	Korea Republic of
ARG	Argentina		ER	Eritrea		KWT	Kuwait
ARM	Armenia		ESH	Western Sahara		LAO	Lao Pdr
ASM	American Samoa		ESP	Spain		LBN	Lbn
ATA	Antarctica		EST	Estonia		LBR	Liberia
ATF	French Southern		ETH	Ethiopia		LBY	Libyan Arab Jamahiriya
ATG	Antigua & Barbuda		FIN	Finland		LCA	St Lucia
AUS	Australia		FJI	Fiji		LIE	Liechtenstein
AUT	Austria		FLK	Falkland Islands (Malvinas)		LKA	Sri Lanka
AZE	Azerbaijan		FRA	France		LSO	Lesotho
BDI	Burundi		FRO	Faroe Islands		LTU	Lithuania
BEL	Belgium		FSM	Micronesia		LUX	Luxembourg
BEN	Benin		GAB	Gabon		LVA	Latvia
BFA	Burkina Faso		GBR	United Kingdom		MAC	Macao
BGD	Bangladesh		GEO	Georgia		MAF	St Martin
BGR	Bulgaria		GGY	Guernsey		MAR	Morocco
BHR	Bahrain		GHA	Ghana		MCO	Monaco
BHS	Bahamas		GIB	Gibraltar		MDA	Republic Of Moldova
BIH	Bosnia & Herzegovina		GIN	Guinea		MDG	Madagascar
BLM	St Barthelemy		GLP	Guadeloupe		MDV	Maldives
BLR	Belarus		GMB	Gambia		MEX	Mexico
BLZ	Belize		GNB	Guinea-Bissau		MHL	Marshall Islands of
BMU	Bermuda		GNQ	Equatorial Guinea		PRT	Portugal
BOL	Bolivia		GRC	Greece		PRY	Paraguay
BRA	Brazil		GRD	Grenada		PSE	Palestinian Territory Occupied
BRB	Barbados		GRL	Greenland		PYF	French Polynesia
BRN	Brunei Darussalam		GTM	Guatemala		QAT	Qatar Re
BTN	Btn		GUF	French Guiana		REU	Reunion
BUR	Burma		GUM	Guam		ROU	Romania
BVT	Bouvet Island		GUY	Guyana		RUS	Russian Federation
BWA	Botswana		HKG	Hong Kong		RWA	Rwanda
CAF	Central African Republic		HMD	Heard & Mcdonald Islands		SAU	Saudi Arabia Kingdom Of
CAN	Canada		HND	Honduras		SDN	Sudan
CCK	Cocos (Keeling) Islands		HRV	Croatia		SEN	Senegal
CHE	Switzerland		HTI	Haiti		SGP	Singapore
CHL	Chile		HUN	Hungary		SGS	Sth Georgia & Sth Sandwich Isl
CHN	China		IDN	IndonesiaI		SHN	St Helena
CIV	Cote D'ivoire		MN	Isle Of Man		SJM	Svalbard & Jan Mayen
CMR	Cameroon		IND	India		SLB	Solomon Islands
COD	Democratic Republic of Congo		IOT	British Indian Ocean Territory		SCG	Serbia & Outlying
COK	Cook Islands		IRL	Ireland		SLE	Sierra Leone
COL	Colombia		IRN	Iran Islamic Republic of		SLV	El Salvador
COM	Comoros		IRQ	Iraq		SMR	San Marino
CPV	Cape Verde		ISM	British Isles		SOM	Somalia
CRI	Costa Rica		ISL	Iceland		SPM	St Pierre And Miquelon
CUB	Cuba		ISR	Israel		ZAR	Zaire
CYM	Cayman Islands		ITA	Italy		ZMB	Zambia
CYP	Cyprus		JAM	Jamaica		ZWE	Zimbabwe
CXR	Christmas Island		JEY	Jersey

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