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Investor Presentaiton

New customer initiatives getting real traction Net new account openings up 165%* Key indicators show Restoring Customer Faith program is beginning to deliver 000's 200 180 160 140 120 100 127 80 159 60 40 20 0 Opened Closed Net 32 15 2001 - prior corresponding period * Victoria RCF pilot Investor Presentation 165% 181 Opened Closed 96 Net 2H 2002 Other Vic Indicators States Revenue growth 5.1% 4.0% 85 Staff advocacy 65% 62% Customer satisfaction 6.8 6.6 FUM growth 8.0% 6.2% 2002 - 30 weeks since launch ANZ

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