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The Presentation Materials include statements that are, or may be deemed to be, “forward looking statements”, including its expectations in relation to the unaudited financial results for the six months ended 30 June 2020. These forward-looking statements can be identified by the use of forward-looking terminology, including the terms “believes”, “estimates”, “anticipates”, “expects”, “intends”, “plans”, “may”, “will” or “should” or, in each case, their negative or other variations or comparable terminology or by their context. These forward-looking statements include all matters that are not historical facts. They appear in a number of places and include, but are not limited to, statements regarding the Group’s intentions, beliefs or current expectations concerning, amongst other things, results of operations, financial condition, liquidity, prospects, growth and strategies. By their nature, forward-looking statements involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. Forward-looking statements are not guarantees of future performance and the actual results of operations, financial condition and liquidity, and the development of the industry in which the Group operates, may differ materially from those made in or suggested by the forward-looking statements set out in the Presentation Materials. Past performance of the Company cannot be relied on as a guide to future performance. Forward-looking statements speak only as at the date of the Presentation Materials and the Banks, the Company and any of such person’s respective directors, officers, employees, agents, affiliates or advisers expressly disclaims any obligations or undertaking to release any update of, or revisions to, any forward-looking statements in the Presentation Materials. No statement in the Presentation Materials is intended to be a profit forecast. As a result, you are cautioned not to place any undue reliance on such forward-looking statements. In addition, even if the results of operations, financial condition and liquidity of the Group, and the development of the industry in which the Group operates, are consistent with the forward-looking statements set out in the Presentation Materials, those results or developments may not be indicative of results or developments in subsequent periods.

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The Presentation Materials are intended solely for use by persons who are (i) either a "sophisticated investor" within the meaning of Section 708(8) of the Corporations Act or a "professional investor" within the meaning of Section 9 and Section 708(11) of the Corporations Act; and (ii) a "wholesale client" for the purposes of Section 761G(7) of the Corporations Act (and related regulations) who has complied with all relevant requirements in this respect, and has been prepared on that basis. No offer of securities may be made in Australia except to a person who is a sophisticated investor, a professional investor or a wholesale client (each as defined in the Corporations Act).

No financial product advice is provided in the documentation related to this offer and nothing in the documentation should be taken to constitute a recommendation or statement of opinion that it intended to influence you in making a decision to participate in the offer. Any information contained in the documentation should be seen as general information only and does not take into account the objectives, financial situation or needs of any particular person. The Banks are not licensed to provide financial product advice in relation to the offer of securities, in marketing and providing financial services to eligible Australian wholesale clients pursuant to this documentation.

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Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. Neither a prospectus nor Product Disclosure Statement has been or will be issued in relation to this offer. No cooling-off regime applies to the financial products offered to you pursuant to the Presentation Materials or any accompanying documentation.

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The Presentation Materials are only addressed to and directed at persons in member states of the European Economic Area who are “qualified investors” within the meaning of article 2(e) of the Prospectus Regulation (Qualified Investors). For these purposes, the expression Prospectus Regulation means Prospectus Regulation (EU) 2017/1129 (as supplemented by Commission Delegated Regulation (EU) 2019/980 and Commission Delegated Regulation (EU) 2019/979).

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United Kingdom

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