Cbus Property's 1 William St commercial investment in Brisbane Before 1 April 2021 From 1 April 2021 Years Years of negative of negative returns returns Investment Return expected Return expected Product option name objective over 20 years objective over 20 years High Growth CPI +3.75% 5 to 6 CPI +3.75% 5 to 6 Accumulation Growth CPI +3.25% 3 to 4 CPI +3.25% 3 to 4 and Transition to Conservative Growth CPI + 2.25% 2 to 3 CPI +2.25% 2 to 3 Retirement (TTR) Conservative CPI + 1.25% 1 to 2 CPI + 1.00% 1 to 2 Cash Savings RBA Cash Rate < 1 RBA Cash Rate < 1 High Growth CPI +3.75% 5 to 6 CPI +3.75% 5 to 6 Super Income Growth CPI +3.50% 3 to 4 CPI +3.50% 3 to 4 Stream (SIS) – Conservative Growth CPI +2.75% 2 to 3 CPI +2.75% 2 to 3 fully-retired Conservative CPI + 1.75% 1 to 2 CPI + 1.50% 1 to 2 Cash Savings Above RBA Cash Rate < 1 Above RBA Cash Rate < 1 Annual Integrated Report 2021 43