Investor Presentaiton

Launching our digital only SME business Background So what are we doing? SME an under- served market SME's traditionally an underserved customer base at the larger banks, with cost to serve and relatively small finance requirements needs often a barrier. Speed of access to SME finance often an issue with the larger institutions - not meeting the customer need. Bring to market a digital experience ☐ ☐ Bringing to market a purpose-built, digital banking solution with the needs of a small business owner in mind. In the next 24 months, provide a full suite of banking products covering lending and cashflow needs so coveted by the SME Market Targeting Nano and Micro customers. A total market of million. 2 2.2 Larger FI's don't prioritise this segment Strong alignment with purpose Nano and Micro segment not well understood by the larger players Fintech's target this space with a frictionless and effective digital offering SME's often run their business as their only source of income, to support their lifestyle and buy a home ~ 50% of Lending into the SME segment secured by Residential Finance SME customers a strong source of deposit generation Target Segment And we are doing this in Partnership with Constantinople Initial focus will be on trades and professional services, enabling us to address pain points and refine the offerings. Constantinople selected as our technology and operations partner to support our entry into the SME Market. Constantinople successfully completed the largest seed funding round in Australian history, with SquarePeg, Airtree and Great Southern Bank the founding investors Why? Digital Innovation Diversification of Balance Sheet Improved ROE Future Opportunity Great Southern Bank 8 / Investor Presentation

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