Investor Presentaiton

Operating Metrics Operating Metrics as a % of Transaction Value 1.0000% 0.9500% 0.9292% 0.9000% 0.8500% 0.8000% 0.7500% 0.7000% 0.9531% 0.9403% 0.9269% 0.8953% 0.8075% Merchant Service Fee (MSF) reflects: Full year impact of lower MSF, higher margin debit cards Full-year run rate of reduced usage of higher MSF (but higher cost) international credit card usage lockdown of international borders = Excludes terminal rental & other payments revenue Interchange Fees + Scheme Fees Decrease due to: decreased direct costs of debit cards due to competition > full year run rate of lower cost debit cards being 61% of total transaction value (FY20: 58%) > lower usage of international credit cards 0.6500% 0.6151% > EBITDA Margin expansion to 11.8% (negative 4.7% in FY20) 0.5905% 0.6000% 0.5559% 0.5377% 0.5436% 0.5379% 0.5365% 0.5500% 0.5170% 0.5283% 0.5251% 0.4861% 0.5000% 0.5170% 0.4704% 0.5065% 0.4500% 0.4759% 0.4643% 0.4000% FY16 FY17 FY18 MSF as a % of Transaction Value -Interchange + Scheme Fees as a % of Transaction Value FY19 FY20 0.4244% 0.4147% FY21 -Operating expenses as a % of Transaction Value Gross Profit as a % of Transaction Value Operating leverage highlighted as gross profit grows Scalability demonstrated despite COVID-19 and terminal incident Operating leverage is highlighted as revenue grows 23 23

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