Investor Presentaiton

37 Quality & resilience: Actively managing inflation risk • Considerations Product Pricing Persistency People Impact on business • Adverse economic conditions & asset value volatility . • Lower consumer disposable income • Lapse risk Medical inflation, salaries • • Mitigants Asset-liability matching, prudent asset allocation, strong participating funds Diverse product range with many price points Quality sales process, product design, protection focus • Regular re-pricing, cost. discipline, agency model

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