Investor Presentaiton

Financial Position 30 JUNE 2021 $'000 30 JUNE 2020 $'000 ASSETS Cash¹ Loans to merchants 103,712 122,190 15,387 11,921 Other current assets 20,560 18,278 Financial investments 69,068 69,761 Property, plant and equipment 26,027 17,266 Intangible assets and goodwill 140,867 5,367 Other non-current assets 20,508 TOTAL ASSETS 396,129 19,056 263,839 LIABILITIES Strong balance sheet underwrites continued growth Cash + Financial Investments Decrease in cash due to Capex on terminals of $18.3 million $13.5 million cash consideration for 100% acquisition of Medipass - represents 60% of total consideration of $22.5 million $9 million upfront consideration for Bendigo Bank Alliance $1.9 million cash consideration for the acquisition of 20% in Paypa Plane Positive cash generated from operations $0.3 million (before terminal purchases and Banking) Capital Expenditure - PP&E FY21 full-year capex on terminals of $18.3 million (FY20: $6.9 million) $10.6 million total depreciation (FY20: $9.5 million) - increase due to investment in terminals FY22 forecast capex of ~$34 million Intangible Asset Recognised on Bendigo Bank Alliance Recognised $111.8 million intangible asset relating to Bendigo Bank customer contracts for the 10-year Bendigo Bank Alliance - corresponding $102.3 million liability recognised for future commission payments to Bendigo Bank Provisionally recognised $13.7 million goodwill, $5.5 million software and $2.9 million in customer relationships on acquisition of Medipass - Purchase price allocation to be finalised in FY22 $1.8 million total amortisation (FY20: $0.2 million). Other current liabilities • $9.0 million provision for future remediation of merchants for terminal incident $5.5 million timing difference for the settlement of scheme fees, commissions and other accruals Customer deposits 75,481 Other current liabilities 35,614 50,542 19,351 Commissions payable to Bendigo Bank 102,273 Non-current liabilities 2,097 TOTAL LIABILITIES 215,465 4,227 74,120 • NET ASSETS 180,664 189,719 Contributed equity 274,436 265,763 Accumulated losses and reserves (93,772) (76,044) TOTAL EQUITY 180,664 189,719 1 Cash includes all cash and cash equivalents and amounts due from other financial institutions 24 24

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