Item 7.01. Regulation FD Disclosure

Set forth below is presentation material of Great Southern Bancorp, Inc., the holding company for Great Southern Bank.

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Portfolio Diversification Legacy Loans 12.31.20 $4,280,945 $4,395,595 9.30.20 *Includes Home Equity Loans of $114,689 Includes Home Equity Loans of $114,356 * [in thousands]





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Portfolio Diversification Acquired Loans 12.31.20 $102,571 $110,917 9.30.20 Team Bank, Vantus Bank, Sun Security Bank, InterSavings Bank, and Valley*Includes Home Equity Loans of $5,512 Team Bank, Vantus Bank, Sun Security Bank, InterSavings Bank, and Valley*Includes Home Equity Loans of $7,073 * [in thousands]

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Portfolio by Region Legacy Loans 12.31.20 $4,280,945 $4,395,595 9.30.20 * [in thousands]

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Portfolio by Region Acquired Loans 12.31.20 $102,571 $110,917 9.30.20 * [in thousands] Team Bank, Vantus Bank, Sun Security Bank, InterSavings Bank, and Valley Team Bank, Vantus Bank, Sun Security Bank, InterSavings Bank, and Valley

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Commercial Real Estate Legacy Loans 12.31.20 $1,541,242 $1,519,115 9.30.20 * [in thousands]

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Commercial Real Estate by Region Legacy Loans 12.31.20 $1,519,115 9.30.20 * [in thousands] $1,541,242

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Construction & Land Development Legacy Loans 12.31.20 $564,018 $648,591 9.30.20 * [in thousands]

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Construction & Land Development by Region Legacy Loans 12.31.20 $648,591 9.30.20 * [in thousands] $564,018

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Multi Family Real Estate by Region Legacy Loans 12.31.20 $999,447 $987,959 9.30.20 * [in thousands] Average credit size is $3,621,184 Average credit size is $3,466,522

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Multi Family Real Estate by LTV Legacy Loans 12.31.20 $999,447 $987,959 9.30.20 * [in thousands]

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Consumer Auto Loans by RegionExcluding Insured Credit Loans Legacy Loans 12.31.20 $78,941 $90,337 9.30.20 * [in thousands] 33% of the Consumer PortfolioAvg. origination balance $16,535Avg. origination term 5 yearsExpected life 11.90 months Average Primary FICO-696 New autos--1% Used autos--99% Indirect loans-- 58%Direct loans--42% 35% of the Consumer PortfolioAvg. origination balance $16,633Avg. origination term 5 yearsExpected life 12.66 months Average Primary FICO-689 New autos--1% Used autos--99% Indirect loans-- 57%Direct loans--43% (Adjusted to exclude nonperforming and insured credit program loans) (Adjusted to exclude nonperforming and insured credit program loans)

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Consumer Insured Credit Loans by Region Legacy Loans 12.31.20 $7,232 $8,865 9.30.20 * [in thousands] 3% of the Consumer PortfolioAvg. origination balance $19,580Avg. origination term 6 yearsExpected life 11.90 months Average Primary FICO-586 New autos-6% Used autos--94% Indirect loans--97%Direct loans--3% 3% of the Consumer PortfolioAvg. origination balance $19,523Avg. origination term 6 yearsExpected life 12.66 months Average Primary FICO-572 New autos-7% Used autos--93% Indirect loans--97%Direct loans--3% (Adjusted to exclude nonperforming loans) (Adjusted to exclude nonperforming loans)

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NonPerforming by Type Legacy Loans 12.31.20 $3,043 $3,837 9.30.20 * [in thousands] *Includes Home Equity Loans of $457 *Includes Home Equity Loans of $508

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NonPerforming by Region Legacy Loans 12.31.20 $3,043 $3,837 9.30.20 * [in thousands]



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