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Investor Presentaiton

L 17 COVID-19: Margin Impact Electric: High-Level COVID Load Impacts vs Planned 2020 Loads Second Quarter Third Quarter Fourth Quarter Forecast Actual Forecast Actual Forecast Actual Residential 4.0% 3.3% 1.5% 5.4% 0.3% 0.3% Commercial (12.0%) (11.0%) (4.5%) (8.9%) (0.8%) (7.7%) Industrial (4.0%) (1.2%) (1.5%) (17.3%) (0.3%) (22.8%) Electric Retail Customer Count Mix Electric Retail Revenue Mix by Customer Class 78.3% 18.1% 41.7% 3.6% Natural Gas Customer Count Mix 87.4% 50.0% 8.3% Natural Gas Retail Revenue Mix by Customer Class 64.0% 35.2% 12.4% Ind. <1% Ind. <1% Residential Commercial Industrial/Other Covid-19 impacts on gross margin continued into the fourth quarter with commercial and industrial customer classes impacted more than forecasted (residential in line with forecast). Industrial load was incrementally impacted by non-Covid related closures of a few industrial customers. These customers, who do not procure supply from NorthWestern, account for a significant potion of volumes but have a less material impact on gross margin. For the fourth quarter, we estimate the gross margin detriment of Covid-19 to be $3 million - $4 million and $8 million to $11 million for the full year 2020.
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