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Investor Presentaiton

-14% -12% -10% -8% -6% -4% -2% 0% 14% 12% 10% 8% 6% 4% 2% 0% MyState Sub Debt Issue | Investor Presentation 34 Limited COVID-19 economic outlook and scenario weightings Housing Prices (%) Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 Base case Strong recovery Unemployment (%) Moderate recession Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 Base case *Excludes GRCL Strong recovery Moderate recession Economic outlook – scenario weights - $2.0m Scenario weightings Jun-20 5% 50% Dec-19 15% 70% 45% ■Strong recovery Base case Moderate recession 15% Collective provisions - scenario outcomes ($m)* 0.5 (0.9) 2.0 4.3 3.9 100% Base case 100% Strong recovery 100% Moderate recession Probability weighted - collective provision

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