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KEY CREDIT HIGHLIGHTS 6 1 HUMAN-CENTRIC BRAND IDENTITY WITH SUSTAINABILITY BEING AN INTEGRATED PART OF COMPANY CULTURE AND STRATEGY ROBUST GROWTH TRAJECTORY 2 TRACK RECORD OF INDUSTRY OUTPERFORMANCE TRULY GLOBAL 3 LO 4 WITH UNIQUE CHINA POSITIONING SYNERGIES 360 STRATEGIC AFFILIATES DRIVING SYNERGIES AND EARNINGS EMBRACING DISRUPTION AND PIONEERING PARTNERSHIPS OPEN APPROACH TO TECHNOLOGY AND MARKET CHANGE SOLID FINANCIAL PERFORMANCE TRANSFORMATION FULLY SELF FINANCED DH HAY 360 | VOLVO CARS - DEBT INVESTOR PRESENTATION | 12

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