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Text slide 2 from UBS — Full-year and fourth quarter 2024

Agenda slide 3 from UBS — Full-year and fourth quarter 2024

Text slide 4 from UBS — Full-year and fourth quarter 2024

Chart slide 5 from UBS — Full-year and fourth quarter 2024

Chart slide 6 from UBS — Full-year and fourth quarter 2024

Financial Analysis slide 7 from UBS — Full-year and fourth quarter 2024

Financial Analysis slide 8 from UBS — Full-year and fourth quarter 2024

Financial Analysis slide 9 from UBS — Full-year and fourth quarter 2024

Financial Analysis slide 10 from UBS — Full-year and fourth quarter 2024

Financial Analysis slide 11 from UBS — Full-year and fourth quarter 2024

Financial Analysis slide 12 from UBS — Full-year and fourth quarter 2024

Chart slide 13 from UBS — Full-year and fourth quarter 2024

Section Divider slide 14 from UBS — Full-year and fourth quarter 2024

Framework slide 15 from UBS — Full-year and fourth quarter 2024

Chart slide 16 from UBS — Full-year and fourth quarter 2024

Timeline slide 17 from UBS — Full-year and fourth quarter 2024

Table slide 18 from UBS — Full-year and fourth quarter 2024

Chart slide 19 from UBS — Full-year and fourth quarter 2024

Framework slide 20 from UBS — Full-year and fourth quarter 2024

Chart slide 21 from UBS — Full-year and fourth quarter 2024

Chart slide 22 from UBS — Full-year and fourth quarter 2024

Chart slide 23 from UBS — Full-year and fourth quarter 2024

Chart slide 24 from UBS — Full-year and fourth quarter 2024

Framework slide 25 from UBS — Full-year and fourth quarter 2024

Chart slide 26 from UBS — Full-year and fourth quarter 2024

Chart slide 27 from UBS — Full-year and fourth quarter 2024

Framework slide 28 from UBS — Full-year and fourth quarter 2024

Framework slide 29 from UBS — Full-year and fourth quarter 2024

Framework slide 30 from UBS — Full-year and fourth quarter 2024

Framework slide 31 from UBS — Full-year and fourth quarter 2024

Chart slide 32 from UBS — Full-year and fourth quarter 2024

Dashboard slide 33 from UBS — Full-year and fourth quarter 2024