Investor Presentaiton

Business Division Financial services • Business description Elders distributes a wide range of banking, funding, insurance and financial planning products through its Australian network We work with a number of third parties to enable us to deliver these products; Rural Bank and StockCo for banking and livestock funding products and Elders Insurance (a QBE subsidiary) for insurance Financial services margin ($m) 35.1 25.8 25.4 26.2 • Collectively, these relationships enable us to offer a broad spectrum of products designed to help our customers grow their business FY14 FY15 FY16 FY17 Strategic focus 1. Deeper, more productive partnerships 2. Investment in aligned financial services product Margin by product providers Collaboration with Rural Bank to improve productivity and efficiency of sales team Increased market awareness and cross-sell within Elders Continue advertising investment Further internal referral campaigns to drive cross- sell of Financial Services products to Elders customers Financial services 11% Margin split by geography 71% Banking 29% Insurance 23% West 45% South 32% North Elders 31

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