Change Financial : FY22 Q2 Investor Presentation

For personal use only

FY22 Q2 Investor Presentation

31 January 2022

For personal use only

Change Financial Limited

ASX: CCA

Disclaimer

Important Notice

This presentation has been prepared by Change Financial Limited (Change Financial) in good faith. No express or implied warranty is given as to the accuracy or completeness of the information in this document or the accompanying presentation. All statutory representations and warranties are excluded, and any liability in negligence is excluded, in both cases to the fullest extent permitted by law. No responsibility is assumed for any reliance by any person on this document or the accompanying presentation.

Summary information

The information contained in this presentation is a summary overview of the current activities of Change Financial. This presentation does not purport to be all inclusive or to contain all the information that a prospective investor may require in evaluating a possible investment. This presentation is for general information purposes and is not intended to be and does not constitute an offer to sell or a solicitation of an offer to buy or sell securities, a prospectus, product disclosure statement, pathfinder document or other disclosure document for the purposes of the Corporations Act and has not been, and is not required to be, lodged with the Australian Securities & Investments Commission. This presentation should be read in conjunction with all other periodic and continuous disclosure announcements lodged by Change Financial with the Australian Securities Exchange, available at www.asx.com.au.

Not financial product advice

The material contained in this presentation is not, and should not be considered as, financial product or investment advice. This presentation is not an offer, invitation or recommendation to acquire New Shares, and does not take into account the investment objectives, financial situation or particular needs of any particular investor. You must make your own independent assessment and review of Change Financial, and the information contained, or referred to, in this presentation, including its financial condition, assets and liabilities, financial position, profits and losses, prospects and business affairs, including the merits and risks involved. Nothing in this presentation constitutes investment, legal, tax or other advice. You should seek legal, financial, tax and other advice appropriate for your jurisdiction.

Past and future performance

This presentation contains information as to past performance of Change Financial. Such information is given for illustrative purposes only, and is not - and should not be relied upon as - an indication of future performance of Change Financial. The historical information in this presentation is, or is based upon, information contained in previous announcements made by Change Financial to the market. These announcements are available at www.asx.com.au.

This presentation contains certain "forward looking statements". Forward looking words such as "expect", "should", "could", "may", "will", "believe", "forecast", "estimate" and other similar expressions are intended to identify forward-looking statements. Such statements are subject to various known and unknown risks, uncertainties and other factors that are in some cases beyond Change Financial's control. These risks, uncertainties and factors may cause actual results, performance or achievements to differ materially from those expressed or implied by the forward-looking statements and from past results, performance or achievements. Change Financial cannot give any assurance or guarantee that the assumptions upon which management based its forward-looking statements will prove to be correct or exhaustive beyond the date of its making, or that Change Financial's business and operations will not be affected by other factors not currently foreseeable by management or beyond its control. Such forward- looking statements only speak as at the date of this announcement and Change Financial assumes no obligation to update such information.

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For personal use only

We have a diverse team of over 85 people with local knowledge to support our loyal and growing client base.

Global fintech with local expertise

16m+ cards
Scalable payments platform	Los Angeles	Athens
147 Clients in 41		Santo Domingo
countries
Global footprint

8+ years average tenure

Highly engaged clients

Processing for the major

schemes

Our offices / staff

Our clients

Brisbane Melbourne Auckland

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Payments solutions provider, driving innovation in the Banking as a Service ecosystem.

Simplifying payment experiences worldwide

Banking as a Service

Payments as a Service

Payment testing

Issuing physical,	BNPL, Digital wallets,	Transaction	Payment	Testing	All network
digital and	Apple Pay, Google	processing for major	simulation	automation	management and
virtual prepaid,	Pay and Samsung Pay	schemes Mastercard,			financial transactions
debit and credit		VISA, Union Pay, JCB
cards		and AMEX

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Our Be Competitive year will focus on integration of our platforms, feature development, partnerships and customer growth.

FY22 Key deliverables for growth

FY22 Q1-Q2

FY22 Q3-Q4

üPayment Card Industry	üNew US Payments as a	üVertexon SaaS Platform	u First Vertexon SaaS Customer
PA-DSS Certification	Service Client	launch in new region
üBDO Unibank Major Platform	üBoard changes announced	üVertexon Product Roadmap	u PaySim SaaS Launch
Upgrade	üVertexon SaaS Platform	release	u Partnership model enabled
üEstablished Global Business	üPaySim Product Roadmap
launch	u Enhanced Customer Support
Development team	üNew Website Launch	Release	Model
üNew US Issuing Bank
üVertexon Eventing	u Axiom Bank issuing
Partnership	onboarding go live

• PaySim API launch

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