Investor Presentaiton

Capital Notes 3 key features Key risks associated with an investment in Capital Notes 3 Capital Notes 3 are not deposit or policy liabilities of Suncorp or any member of the Suncorp Group, are not protected accounts under the Banking Act or protected policies under the Insurance Act, and are not guaranteed by any government or other person The price at which Holders are able to sell Capital Notes 3 on ASX is uncertain Unlike Ordinary Shares, Capital Notes 3 do not provide a material exposure to growth in the Suncorp Group's business There may be no liquid market for Capital Notes 3 The market price of Suncorp Ordinary Shares may fluctuate due to various factors Distributions may not be paid as they are discretionary and will not be paid if a Payment Condition exists. Payment Conditions include APRA objecting to the payment, Suncorp becoming or being likely to become, insolvent as a result of the payment, or the Suncorp Group not complying with APRA's capital adequacy requirements as a result of the payment The Distribution Rate will fluctuate over time (it may increase and/or decrease) as a result of movements in the Bank Bill Rate The amount of cash Distributions will also fluctuate depending on Suncorp's available franking credits There are a number of scenarios in which Capital Notes 3 may be Exchanged. It is uncertain whether and when Exchange may occur Holders have no right to request that their Capital Notes 3 be Exchanged. Unless their Capital Notes 3 are Exchanged, to realise their investment, Holders would need to sell their Capital Notes 3 on ASX at the prevailing market price. That price may be less than the Issue Price, and there may be no liquid market in Capital Notes 3 If Conversion occurs following a Non-Viability Trigger Event, the Holder may receive Ordinary Shares worth significantly less than $101 per Capital Note 3 Where Conversion does not occur for any reason (including an Inability Event) within 5 Business Days after the Trigger Event Date, those Capital Notes 3 will be written-off and Holders will not get back their capital or receive compensation in relation to those Capital Notes 3 In a winding-up of Suncorp, Capital Notes 3 rank for payment ahead of Ordinary Shares, equally with Equal Ranking Instruments (which include CPS3, Capital Notes 1 and Capital Notes 2), but behind all Senior Ranking Creditors See Sections 1.5 and 5.1 of the Prospectus for more information on risks associated with Capital Notes 3 See Section 5.2 of the Prospectus for more information on risks associated with Suncorp and the Suncorp Group SUNCORP Capital Notes 3 23

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