1/4 Capital Markets Trust Snapshot La Trobe Financial Capital Markets Trust 2018-2 Collection Period Ended 30 June 2021 Determination Summary Closing Date 22-Nov-18 Reporting Curency AUD Start of Interest Period 15-Jun-21 Start of Collection Period 01-Jun-21 End of Interest Period 12-Jul-21 End of Collection Period 30-Jun-21 Days in Interest Period 27 Days in Collection Period 30 BBSW - 15 June 2021 0.0100% Payment Date 12-Jul-21 Note Invested Amounts Note Stated Amounts Note Class Opening Invested Balance Repayments Closing Invested Balance Bond / Invested Factor Carryover Charge Offs Current Charge Offs Reinstatements Closing Stated Balance A1S-S - - - 0.0% - - - - A1S-L - - - 0.0% - - - - A1L 227,145,784 8,527,150 218,618,634 58.3% - - - 218,618,634 A2 75,866,692 2,848,068 73,018,624 58.3% - - - 73,018,624 B 59,250,000 - 59,250,000 100.0% - - - 59,250,000 C 9,000,000 - 9,000,000 100.0% - - - 9,000,000 D 13,500,000 - 13,500,000 100.0% - - - 13,500,000 E 5,250,000 - 5,250,000 100.0% - - - 5,250,000 F 4,671,900 32,176 4,639,724 77.3% - - - 4,639,724 Equity 6,750,000 - 6,750,000 100.0% - - - 6,750,000 Total 401,434,376 11,407,394 390,026,982 - - - 390,026,982 EU Risk Retention Interest Payments Credit Support Note Class Coupon Rate Interest Due Prior Periods Interest Due Current Period Interest Paid Unpaid Original Current A1S-S - - - - - 30.0% 0.0% A1S-L - - - - - 30.0% 0.0% A1L 1.4100% - 236,916 236,916 - 30.0% 44.1% A2 2.0100% - 112,802 112,802 - 13.3% 25.5% B 2.3600% - 103,436 103,436 - 5.4% 10.3% C 3.1100% - 20,705 20,705 - 4.2% 8.0% D 4.1100% - 41,044 41,044 - 2.4% 4.6% E 6.1100% - 23,729 23,729 - 1.7% 3.3% F 7.2100% - 24,917 24,917 - 0.9% 2.1% (k)(ii) Contacts Martin Barry Richard Parry Paul Brown Senior Vice President Senior Executive Executive General Manager Chief Financial Officer Deputy Treasurer Head of Group Portfolio Management 02 8046 1502 03 8610 2847 03 8610 2397 mbarry@latrobefinancial.com.au rparry@latrobefinancial.com.au pbrown@latrobefinancial.com.au The Trust Manager confirms that it holds at least 5% of the closing Invested Balance as required by Article 405 of EU regulation No.575/2013. 1 - 4 La Trobe Financial Capital Markets Trust 2018-2 Collection Period Ended 30 June 2021 Determination Summary Closing Date 22-Nov-18 Reporting Curency AUD Start of Interest Period 15-Jun-21 Start of Collection Period 01-Jun-21 End of Interest Period 12-Jul-21 End of Collection Period 30-Jun-21 Days in Interest Period 27 Days in Collection Period 30 BBSW - 15 June 2021 0.0100% Payment Date 12-Jul-21 Note Invested Amounts Note Stated Amounts Note Class Opening Invested Balance Repayments Closing Invested Balance Bond / Invested Factor Carryover Charge Offs Current Charge Offs Reinstatements Closing Stated Balance A1S-S - - - 0.0% - - - - A1S-L - - - 0.0% - - - - A1L 227,145,784 8,527,150 218,618,634 58.3% - - - 218,618,634 A2 75,866,692 2,848,068 73,018,624 58.3% - - - 73,018,624 B 59,250,000 - 59,250,000 100.0% - - - 59,250,000 C 9,000,000 - 9,000,000 100.0% - - - 9,000,000 D 13,500,000 - 13,500,000 100.0% - - - 13,500,000 E 5,250,000 - 5,250,000 100.0% - - - 5,250,000 F 4,671,900 32,176 4,639,724 77.3% - - - 4,639,724 Equity 6,750,000 - 6,750,000 100.0% - - - 6,750,000 Total 401,434,376 11,407,394 390,026,982 - - - 390,026,982 EU Risk Retention Interest Payments Credit Support Note Class Coupon Rate Interest Due Prior Periods Interest Due Current Period Interest Paid Unpaid Original Current A1S-S - - - - - 30.0% 0.0% A1S-L - - - - - 30.0% 0.0% A1L 1.4100% - 236,916 236,916 - 30.0% 44.1% A2 2.0100% - 112,802 112,802 - 13.3% 25.5% B 2.3600% - 103,436 103,436 - 5.4% 10.3% C 3.1100% - 20,705 20,705 - 4.2% 8.0% D 4.1100% - 41,044 41,044 - 2.4% 4.6% E 6.1100% - 23,729 23,729 - 1.7% 3.3% F 7.2100% - 24,917 24,917 - 0.9% 2.1% (k)(ii) Contacts Martin Barry Richard Parry Paul Brown Senior Vice President Senior Executive Executive General Manager Chief Financial Officer Deputy Treasurer Head of Group Portfolio Management 02 8046 1502 03 8610 2847 03 8610 2397 mbarry@latrobefinancial.com.au rparry@latrobefinancial.com.au pbrown@latrobefinancial.com.au The Trust Manager confirms that it holds at least 5% of the closing Invested Balance as required by Article 405 of EU regulation No.575/2013. 1 - 4 La Trobe Financial Capital Markets Trust 2018-2 Collection Period Ended 30 June 2021 Determination Summary Closing Date 22-Nov-18 Reporting Curency AUD Start of Interest Period 15-Jun-21 Start of Collection Period 01-Jun-21 End of Interest Period 12-Jul-21 End of Collection Period 30-Jun-21 Days in Interest Period 27 Days in Collection Period 30 BBSW - 15 June 2021 0.0100% Payment Date 12-Jul-21 Note Invested Amounts Note Stated Amounts Note Class Opening Invested Balance Repayments Closing Invested Balance Bond / Invested Factor Carryover Charge Offs Current Charge Offs Reinstatements Closing Stated Balance A1S-S - - - 0.0% - - - - A1S-L - - - 0.0% - - - - A1L 227,145,784 8,527,150 218,618,634 58.3% - - - 218,618,634 A2 75,866,692 2,848,068 73,018,624 58.3% - - - 73,018,624 B 59,250,000 - 59,250,000 100.0% - - - 59,250,000 C 9,000,000 - 9,000,000 100.0% - - - 9,000,000 D 13,500,000 - 13,500,000 100.0% - - - 13,500,000 E 5,250,000 - 5,250,000 100.0% - - - 5,250,000 F 4,671,900 32,176 4,639,724 77.3% - - - 4,639,724 Equity 6,750,000 - 6,750,000 100.0% - - - 6,750,000 Total 401,434,376 11,407,394 390,026,982 - - - 390,026,982 EU Risk Retention Interest Payments Credit Support Note Class Coupon Rate Interest Due Prior Periods Interest Due Current Period Interest Paid Unpaid Original Current A1S-S - - - - - 30.0% 0.0% A1S-L - - - - - 30.0% 0.0% A1L 1.4100% - 236,916 236,916 - 30.0% 44.1% A2 2.0100% - 112,802 112,802 - 13.3% 25.5% B 2.3600% - 103,436 103,436 - 5.4% 10.3% C 3.1100% - 20,705 20,705 - 4.2% 8.0% D 4.1100% - 41,044 41,044 - 2.4% 4.6% E 6.1100% - 23,729 23,729 - 1.7% 3.3% F 7.2100% - 24,917 24,917 - 0.9% 2.1% (k)(ii) Contacts Martin Barry Richard Parry Paul Brown Senior Vice President Senior Executive Executive General Manager Chief Financial Officer Deputy Treasurer Head of Group Portfolio Management 02 8046 1502 03 8610 2847 03 8610 2397 mbarry@latrobefinancial.com.au rparry@latrobefinancial.com.au pbrown@latrobefinancial.com.au The Trust Manager confirms that it holds at least 5% of the closing Invested Balance as required by Article 405 of EU regulation No.575/2013. 1 - 4 Capital Markets Trust Snapshot 2/4 La Trobe Financial Capital Markets Trust 2018-2 Collection Period Ended 30 June 2021 Determination Summary Closing Date 22-Nov-18 Reporting Curency AUD Start of Interest Period 15-Jun-21 Start of Collection Period 01-Jun-21 End of Interest Period 12-Jul-21 End of Collection Period 30-Jun-21 Days in Interest Period 27 Days in Collection Period 30 BBSW - 15 June 2021 0.0100% Payment Date 12-Jul-21 Expense Reserve Thresholds Balance Actual Minimum Satisfied Opening Balance 150,000 Weighted average test 5.07% 3.80% Yes Additions 0 Available income test 5.51% 3.19% Yes Draws 0 Closing Balance 150,000 Repayments Balance Scheduled principal 620,958 Yield Enhancement Reserve Unscheduled Principal (net of redraws) 10,754,259 Balance Total net principal repaid 11,375,217 Opening Balance 2,200,000 Additions 0 Principal Payment Rate (PPR) - Current month annualised 1.8% Draws 0 Constant Prepayment Rate (CPR) - Current month annualised 27.7% Closing Balance 2,200,000 Pool Performance Retention Amount Ledger Portfolio balance at Closing Date 723,973,935 Balance Pool Factor 54.1% Opening Balance 1,328,101 Liquidation amount - current month 607,022 Additions 32,176 No. of loans liquidated - current month 1 Draws 0 Losses - current month 0 Closing Balance 1,360,277 Cumulative liquidation amount 6,843,962 Cumulative no. of loans liquidated 11 Cumulative losses 363,067 Amortisation Ledger Annualised loss rate since Closing Date 0.02% Balance Opening Balance 0 Stepdown Criteria Additions 0 Satisfied Draws 0 a. No Class A1S-S Notes or Class A1S-L Notes outstanding Yes Closing Balance 0 b. Class A Subordination Percentage No c. Principal Losses Yes d. 90 Arrears Days Yes Liquidity Facility e. Stated Amount Yes Balance Opening Balance 0 Call Option Trigger Draws 0 The Payment Date which occurs on the earlier of: Reimbursements 0 a. 12th November 2022; and Closing Balance 0 Closing Facility Limit 5,850,405 b. the first Payment date on which the aggregate Invested Amounts of all Notes, expressed as a percentage of the aggregate Initial Invested Amounts of all Notes on the Closing Date, is equal to or less than 25%. 2 - 4 La Trobe Financial Capital Markets Trust 2018-2 Collection Period Ended 30 June 2021 Determination Summary Closing Date 22-Nov-18 Reporting Curency AUD Start of Interest Period 15-Jun-21 Start of Collection Period 01-Jun-21 End of Interest Period 12-Jul-21 End of Collection Period 30-Jun-21 Days in Interest Period 27 Days in Collection Period 30 BBSW - 15 June 2021 0.0100% Payment Date 12-Jul-21 Expense Reserve Thresholds Balance Actual Minimum Satisfied Opening Balance 150,000 Weighted average test 5.07% 3.80% Yes Additions 0 Available income test 5.51% 3.19% Yes Draws 0 Closing Balance 150,000 Repayments Balance Scheduled principal 620,958 Yield Enhancement Reserve Unscheduled Principal (net of redraws) 10,754,259 Balance Total net principal repaid 11,375,217 Opening Balance 2,200,000 Additions 0 Principal Payment Rate (PPR) - Current month annualised 1.8% Draws 0 Constant Prepayment Rate (CPR) - Current month annualised 27.7% Closing Balance 2,200,000 Pool Performance Retention Amount Ledger Portfolio balance at Closing Date 723,973,935 Balance Pool Factor 54.1% Opening Balance 1,328,101 Liquidation amount - current month 607,022 Additions 32,176 No. of loans liquidated - current month 1 Draws 0 Losses - current month 0 Closing Balance 1,360,277 Cumulative liquidation amount 6,843,962 Cumulative no. of loans liquidated 11 Cumulative losses 363,067 Amortisation Ledger Annualised loss rate since Closing Date 0.02% Balance Opening Balance 0 Stepdown Criteria Additions 0 Satisfied Draws 0 a. No Class A1S-S Notes or Class A1S-L Notes outstanding Yes Closing Balance 0 b. Class A Subordination Percentage No c. Principal Losses Yes d. 90 Arrears Days Yes Liquidity Facility e. Stated Amount Yes Balance Opening Balance 0 Call Option Trigger Draws 0 The Payment Date which occurs on the earlier of: Reimbursements 0 a. 12th November 2022; and Closing Balance 0 Closing Facility Limit 5,850,405 b. the first Payment date on which the aggregate Invested Amounts of all Notes, expressed as a percentage of the aggregate Initial Invested Amounts of all Notes on the Closing Date, is equal to or less than 25%. 2 - 4 Capital Markets Trust Snapshot 3/4 La Trobe Financial Capital Markets Trust 2018-2 As at 30 June 2021 Pool Summary Portfolio balance ($) 391,510,837 Weighted average LVR (%) 68.89 Number of loans (#) 998 Maximum current LVR (%) 94.17 Average loan size ($) 392,295 Weighted average seasoning (years) 3.71 Maximum loan size ($) 1,496,839 Weighted average Interest Rate (%) 5.08 Current Loan to Value ratio (LVR) Distribution Current Balance Distribution Number Balance % Number Balance % 139 32,745,474 8.4 35 1,542,320 0.4 127 38,638,528 9.9 137 22,789,907 5.8 101 35,513,039 9.1 303 75,235,918 19.3 65.0% to 70.0% 141 52,286,652 13.4 161 55,226,706 14.1 166 67,033,854 17.1 114 50,964,973 13.0 75.0% to 80.0% 264 130,917,922 33.4 81 44,538,073 11.4 80.0% to 85.0% 54 30,998,604 7.9 60 38,885,050 9.9 85.0% to 90.0% 4 2,795,058 0.7 20 15,111,252 3.9 90.0% to 95.0% 2 581,706 0.1 800,000 to 900,000 25 21,221,461 5.4 95.0% to 100.0% 0 0 0.0 900,000 to 1,000,000 26 24,714,819 6.3 Over 100.0% 0 0 0.0 1,000,000 to 1,500,000 36 41,280,358 10.5 0 0 0.0 Total 998 391,510,837 100.0 Total 998 391,510,837 100.0 Interest Rates Seasoning Distribution (Based on Loan Settlement Date) Number Balance % Number Balance % Up to 3.00% 2 1,055,223 0.3 Less than 1 year 0 0 0.0 3.00% to 4.00% 75 33,972,311 8.7 1 to 2 years 0 0 0.0 4.00% to 4.50% 201 74,468,739 19.0 2 to 3 years 79 28,123,137 7.2 4.50% to 5.00% 153 75,393,242 19.2 3 to 4 years 757 309,201,124 79.0 5.00% to 5.50% 178 81,735,889 20.9 4 to 5 years 33 15,343,529 3.9 5.50% to 6.00% 117 51,688,277 13.2 Over 5 years 129 38,843,047 9.9 6.00% to 6.50% 212 56,391,651 14.4 6.50% to 7.00% 21 7,178,568 1.8 Total 998 391,510,837 100.0 7.00% to 8.00% 39 9,626,937 2.5 Over 8.00% 0 0 0.0 Total 998 391,510,837 100.0 Up to 50.0% 50.0% to 60.0% Less than 100,000 60.0% to 65.0% 100,000 to 200,000 700,000 to 800,000 Over 1,500,000 200,000 to 300,000 70.0% to 75.0% 300,000 to 400,000 400,000 to 500,000 500,000 to 600,000 600,000 to 700,000 3 - 4 La Trobe Financial Capital Markets Trust 2018-2 As at 30 June 2021 Pool Summary Portfolio balance ($) 391,510,837 Weighted average LVR (%) 68.89 Number of loans (#) 998 Maximum current LVR (%) 94.17 Average loan size ($) 392,295 Weighted average seasoning (years) 3.71 Maximum loan size ($) 1,496,839 Weighted average Interest Rate (%) 5.08 Current Loan to Value ratio (LVR) Distribution Current Balance Distribution Number Balance % Number Balance % 139 32,745,474 8.4 35 1,542,320 0.4 127 38,638,528 9.9 137 22,789,907 5.8 101 35,513,039 9.1 303 75,235,918 19.3 65.0% to 70.0% 141 52,286,652 13.4 161 55,226,706 14.1 166 67,033,854 17.1 114 50,964,973 13.0 75.0% to 80.0% 264 130,917,922 33.4 81 44,538,073 11.4 80.0% to 85.0% 54 30,998,604 7.9 60 38,885,050 9.9 85.0% to 90.0% 4 2,795,058 0.7 20 15,111,252 3.9 90.0% to 95.0% 2 581,706 0.1 800,000 to 900,000 25 21,221,461 5.4 95.0% to 100.0% 0 0 0.0 900,000 to 1,000,000 26 24,714,819 6.3 Over 100.0% 0 0 0.0 1,000,000 to 1,500,000 36 41,280,358 10.5 0 0 0.0 Total 998 391,510,837 100.0 Total 998 391,510,837 100.0 Interest Rates Seasoning Distribution (Based on Loan Settlement Date) Number Balance % Number Balance % Up to 3.00% 2 1,055,223 0.3 Less than 1 year 0 0 0.0 3.00% to 4.00% 75 33,972,311 8.7 1 to 2 years 0 0 0.0 4.00% to 4.50% 201 74,468,739 19.0 2 to 3 years 79 28,123,137 7.2 4.50% to 5.00% 153 75,393,242 19.2 3 to 4 years 757 309,201,124 79.0 5.00% to 5.50% 178 81,735,889 20.9 4 to 5 years 33 15,343,529 3.9 5.50% to 6.00% 117 51,688,277 13.2 Over 5 years 129 38,843,047 9.9 6.00% to 6.50% 212 56,391,651 14.4 6.50% to 7.00% 21 7,178,568 1.8 Total 998 391,510,837 100.0 7.00% to 8.00% 39 9,626,937 2.5 Over 8.00% 0 0 0.0 Total 998 391,510,837 100.0 Up to 50.0% 50.0% to 60.0% Less than 100,000 60.0% to 65.0% 100,000 to 200,000 700,000 to 800,000 Over 1,500,000 200,000 to 300,000 70.0% to 75.0% 300,000 to 400,000 400,000 to 500,000 500,000 to 600,000 600,000 to 700,000 3 - 4 Capital Markets Trust Snapshot 4/4 La Trobe Financial Capital Markets Trust 2018-2 As at 30 June 2021 Pool Summary Portfolio balance ($) 391,510,837 Weighted average LVR (%) 68.89 Number of loans (#) 998 Maximum current LVR (%) 94.17 Average loan size ($) 392,295 Weighted average seasoning (years) 3.71 Maximum loan size ($) 1,496,839 Weighted average Interest Rate (%) 5.08 Security Usage Distribution Documentation Type Distribution Number Balance % Number Balance % Owner-occupied 300 149,533,893 38.2 Full Doc 641 205,519,446 52.5 Investment 698 241,976,944 61.8 Alt Doc 357 185,991,391 47.5 Total 998 391,510,837 100.0 Total 998 391,510,837 100.0 Credit Grade Distribution Geographic Distribution Number Balance % Number Balance % A 890 339,984,749 86.8 ACT 4 1,514,094 0.4 B 83 38,800,646 9.9 NSW 166 83,810,993 21.4 C1 25 12,725,442 3.3 VIC 440 186,022,830 47.6 C2 0 0 0.0 QLD 298 87,107,279 22.2 C3 0 0 0.0 SA 39 14,016,898 3.6 WA 42 16,613,793 4.2 Total 998 391,510,837 100.0 TAS 8 1,931,189 0.5 NT 1 493,761 0.1 Security Type Distribution Number Balance % Total 998 391,510,837 100.0 Residential Dwelling 723 299,939,170 76.6 Residential Apartment - Low Rise 220 73,813,603 18.9 Residential Rural 0 0 0.0 Employment Type Distribution Residential Apartment - High Rise 55 17,758,064 4.5 Number Balance % PAYG - Full time 534 167,507,749 42.8 Total 998 391,510,837 100.0 PAYG - Casual 5 1,251,305 0.3 Commission 0 0 0.0 Arrears Ageing Distribution* Pension 0 0 0.0 Number Balance % Self Employed 459 222,751,783 56.9 Not in arrears 934 357,793,147 91.4 1 to 30 Days 29 13,677,832 3.5 Total 998 391,510,837 100.0 Total Performing Loans 963 371,470,979 94.9 31 to 60 days 13 5,955,577 1.5 61 to 90 days 3 1,042,571 0.3 Hardship 91 to 120 days 3 1,071,625 0.3 Number Balance % 121 to 150 days 4 3,271,372 0.8 Pandemic 5 3,812,079 1.0 151 to 180 days 0 0 0.0 Natural disaster 0 0 0.0 Over 180 days 11 7,867,013 2.0 Individual circumstance 5 2,304,723 0.6 MIP 1 831,700 0.2 Total 10 6,116,802 1.6 Total 998 391,510,837 100.0 Ratings Location Distribution Current Payment Type Distribution Number Balance % Number Balance % Inner City 22 6,934,907 1.8 Principal & Interest (P&I) 869 324,234,795 82.8 Metro 831 333,894,584 85.3 Interest Only reverting to P&I 129 67,276,042 17.2 Non-metro 145 50,681,346 12.9 Interest Only to maturity 0 0 0.0 Total 998 391,510,837 100.0 Total 998 391,510,837 100.0 4 - 4 La Trobe Financial Capital Markets Trust 2018-2 As at 30 June 2021 Pool Summary Portfolio balance ($) 391,510,837 Weighted average LVR (%) 68.89 Number of loans (#) 998 Maximum current LVR (%) 94.17 Average loan size ($) 392,295 Weighted average seasoning (years) 3.71 Maximum loan size ($) 1,496,839 Weighted average Interest Rate (%) 5.08 Security Usage Distribution Documentation Type Distribution Number Balance % Number Balance % Owner-occupied 300 149,533,893 38.2 Full Doc 641 205,519,446 52.5 Investment 698 241,976,944 61.8 Alt Doc 357 185,991,391 47.5 Total 998 391,510,837 100.0 Total 998 391,510,837 100.0 Credit Grade Distribution Geographic Distribution Number Balance % Number Balance % A 890 339,984,749 86.8 ACT 4 1,514,094 0.4 B 83 38,800,646 9.9 NSW 166 83,810,993 21.4 C1 25 12,725,442 3.3 VIC 440 186,022,830 47.6 C2 0 0 0.0 QLD 298 87,107,279 22.2 C3 0 0 0.0 SA 39 14,016,898 3.6 WA 42 16,613,793 4.2 Total 998 391,510,837 100.0 TAS 8 1,931,189 0.5 NT 1 493,761 0.1 Security Type Distribution Number Balance % Total 998 391,510,837 100.0 Residential Dwelling 723 299,939,170 76.6 Residential Apartment - Low Rise 220 73,813,603 18.9 Residential Rural 0 0 0.0 Employment Type Distribution Residential Apartment - High Rise 55 17,758,064 4.5 Number Balance % PAYG - Full time 534 167,507,749 42.8 Total 998 391,510,837 100.0 PAYG - Casual 5 1,251,305 0.3 Commission 0 0 0.0 Arrears Ageing Distribution* Pension 0 0 0.0 Number Balance % Self Employed 459 222,751,783 56.9 Not in arrears 934 357,793,147 91.4 1 to 30 Days 29 13,677,832 3.5 Total 998 391,510,837 100.0 Total Performing Loans 963 371,470,979 94.9 31 to 60 days 13 5,955,577 1.5 61 to 90 days 3 1,042,571 0.3 Hardship 91 to 120 days 3 1,071,625 0.3 Number Balance % 121 to 150 days 4 3,271,372 0.8 Pandemic 5 3,812,079 1.0 151 to 180 days 0 0 0.0 Natural disaster 0 0 0.0 Over 180 days 11 7,867,013 2.0 Individual circumstance 5 2,304,723 0.6 MIP 1 831,700 0.2 Total 10 6,116,802 1.6 Total 998 391,510,837 100.0 Ratings Location Distribution Current Payment Type Distribution Number Balance % Number Balance % Inner City 22 6,934,907 1.8 Principal & Interest (P&I) 869 324,234,795 82.8 Metro 831 333,894,584 85.3 Interest Only reverting to P&I 129 67,276,042 17.2 Non-metro 145 50,681,346 12.9 Interest Only to maturity 0 0 0.0 Total 998 391,510,837 100.0 Total 998 391,510,837 100.0 4 - 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