FY20 Financial and Strategic Overview

Investing in great products, leveraging the ecosystem Hubdoc A XERO PRODUCT Code-free accounting Hubdoc bundled into all Business Edition plans globally Single sign-on with access from inside Xero • Smarter, faster data capture from bills, receipts and other sources • Less manual data entry . and coding reduces errors, saves time • Simpler bank reconciliation process xero TAX Integrated tax prep and filing Xero Tax launched at no extra cost through Partner Program in UK • Features include single sign-on, multi-user review, e-signing, auto tax adjustments • Completed Corporation Tax and Accounts Production for micro entities, and small companies abridged accounts Preparing for MTD for Income Tax (personal tax, trusts, partnerships and estates) Better business and cash flow insights Business Snapshot and Short-term cash flow pilots being extended to all Business Edition customers • Business Snapshot provides a simplified, quick-access financial metrics dashboard Short-term cash flow projects a 30-day bank balance to help with cash flow management decisions IDC ANALYZE THE FUTURE Industry recognition Xero recognised as a leader in the IDC MarketScape: Worldwide SaaS and Cloud-Enabled Small Business Finance and Accounting Applications 2020 Vendor Assessment¹ Read more at xero.com/about/ investors/idc-report 1doc #US45837020, April 2020 12

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