Investor Presentaiton

Offer structure Institutional Offer Offer to certain Institutional Investors who are invited by the Joint Lead Managers to bid for Capital Notes 3 in the Bookbuild Broker Firm Offer Offer to Australian resident retail and high net worth clients of Syndicate Brokers Reinvestment Offer Offer to Eligible CPS3 Holders to reinvest their CPS3 in Capital Notes 3. Eligible CPS3 Holders are: registered holders of CPS3 at 7:00pm (Sydney time) on 6 November 2019, shown on the CPS3 register as having an address in Australia and are not in the United States or acting for the account or benefit of a person in the United States Securityholder Offer Offer to Eligible Securityholders, being: Offer Size registered holders of Ordinary Shares, SML Floating Rate Notes, CPS3, Capital Notes 1 or Capital Notes 2 at 7:00pm (Sydney time) on 6 November 2019, shown on the applicable register as having an address in Australia and not in the United States or acting for the account or benefit of a person in the United States The final size of the Offer will depend on the volume of Applications received and accepted under the Securityholder Offer and the Reinvestment Offer Suncorp reserves the right to scale back Applications or increase the final size of the Offer if there is excess demand SUNCORP Capital Notes 3 25 45

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