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Investor Presentaiton

MyState Sub Debt Issue | Investor Presentation 10 Limited Proposed subordinated debt structure Tax Governing Law Settlement Eligibility Listing Regulatory Treatment Payment Subject to Issuer Solvency Early Redemption Non-Viability Trigger Event The Issuer intends to issue the Subordinated Notes in a manner which will satisfy the public offer test under section 128F of the Income Tax Assessment Act 1936 (Cth) New South Wales, Australia Austraclear, Euroclear, Clearstream Unlisted Tier 2 Capital At any time prior to a Winding-Up: (a) the obligation of the Issuer to make any payment of principal or interest in respect of Subordinated Notes shall be conditional upon the Issuer being Solvent at the time the payment or other amount owing falls due; and (b) no amount is payable by the Issuer in respect of the Subordinated Notes unless, at the time of and immediately after such payment, the Issuer is Solvent. Subject to the prior written approval of APRA, the Subordinated Notes may be redeemed before the Maturity Date for certain tax and regulatory reasons at par plus accrued interest. Holders should not expect that APRA's approval will be given for any early redemption of Subordinated Notes. Holders have no right to request redemption before the Maturity date. A Non-Viability Trigger Event occurs when APRA has notified the Issuer in writing that it believes: (a) Conversion or Write-off of all or some Subordinated Notes or conversion or write down of all or some of the capital instruments of the Issuer is necessary because, without it, the Issuer would become non-viable; or (b) a public sector injection of capital, or equivalent support, is necessary because, without it, the Issuer would become non-viable. This is a summary of the proposed Terms and Conditions for MyState Limited Subordinated Notes - Further information and complete terms in connection to any issuance is included in the Information Memorandum dated 23 December 2016 as supplemented by the preliminary Pricing Supplement dated 29 June 2020
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