FY20 Financial and Strategic Overview

Payments and access to capital stripe GOCARDLESS □ Square nab TransferWise Receiving payments • Get paid by customers faster, and with more ways to pay • Streamlining automatic. payments and facilitating settlement of invoices on the spot or through direct debit • Enhanced functionality like Stripe feed and daily sales summaries in Square • Point-of-sale integration for richer transactional data with Square in Australia • Extension of GoCardless partnership to North America Paying bills • Bank agnostic solution in the UK through TransferWise ● Automating bill payment processes, simplifying repetitive manual tasks Reducing chances of human error • Seamless and more secure processes, eg direct connection to NAB avoids handling of ABA files Transaction-based, tiered pricing plans Access to capital • Better ways to access capital through ecosystem partners • Options for invoice financing, lines of credit and cash advances, medium to long- term financing • Working with wide range of established providers and new model fintech offerings 13

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