Investor Presentaiton

Quality Long Dated Home Loans Book Age Analysis 60% 16% 23% I Less than 1 year Between 1 & 2 years More than 2 years Loan to Value 11% 48% • 13% • 15% 13% 100%+ 90-100% 80-90% 70-80% <70% 60% of book older than 2 years Less than 1 year granted under more stringent criteria - Loan to value caps - Affordability - Ability to repay 76% of book has less than 90% LTV LTV ratio's will continue to improve with more stringent lending criteria 22 22

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