Investor Presentaiton

The strong brands will be retained and grown going forward Bank of Queensland bank different Sandhurst Trustees SUBSIDIARY OF BENDIGO BANK Bendigo Bank Elders Elders Rural Bank OXFORD FUNDING PIONEER Plussoolased Regional Briting Both brands have high levels of recognition and trust Brand message consistent with vision and strategy Reputation for strong customer service Recognised as contributors to local communities We will retain and build on these existing brands Bank of Queensland 11

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