Investor Presentaiton

Disclaimer HBL The information contained herein has been prepared by HBL for informational purposes. HBL relies on information obtained from sources believed to be reliable, but it makes no warranty, express or implied, nor assumes any legal liability or responsibility for the accuracy, correctness, completeness of the information that is available in this presentation. This presentation, prepared for information purposes only, is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever. Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of HBL. These forward-looking statements include all matters that are not historical facts. The inclusion of such forward-looking information shall not be regarded as a representation by HBL or any other person that the objectives or plans of HBL will be achieved. Further the information contained herein is subject to change, completion or amendment without notice and HBL undertakes no obligation to publicly update or publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise 24

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