Investor Presentaiton

I 1 In Mainland China c.70% of the international opportunity in the top-10 city clusters Mainland China city clusters % of Mainland China total Top-10 city clusters c.30 c.70 c.70 c.70 c.30 c.30 Example: Guangzhou-Shenzhen city cluster Major cities of cluster Conghua Zengcheng Guangzhou Huizhou Foshan Dongguan Heshar Hes Jiangmen Kaiping Taishan Population GDP growth 2010-25 Int'l commercial banking revenue growth 2010-25 Enping Source: McKinsey & Company 12 Zhongshan Zhuhai Shenzhen Hong Kong Hub city Spoke city High income city (household income >RMB100k) Mid-High income city (household income >national average)

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