WIXLIB

INVESTORRELATIONSPRESENTATION1

BUSINESSUPDATE111

EXECUTIVESMICHAEL HACKETT. CHAIRMANBROOK ADCOCK. DIRECTORJOHN NANTES. DIRECTORMichael was the founding shareholderand Managing Director of TrusteesAustralia which listed on ASX in 1987.He has been an initiator and principal innumerous complex corporate acquisitions,restructures and new exchange listingsas well as multi-million dollar real estateventures with international partners. Heholds a Commerce Degree and is a former Fellow of the Institute ofChartered Accountants with considerable experience in managingand operating a diverse range of businesses and investmenttypes. His first job and most valuable learning experience wasas a trading-floor operator on the Sydney Stock Exchange in thePoseidon boom and aftermath.Brook has already had several successfulcareers and brings with him a vast array ofknowledge and experience. He graduatedfrom The Australian Defence ForceAcademy in 1986, was a RAAF Pilot until1996, a Qantas Pilot until 2008, foundedPandora Jewellery Australia in 2004, andhis own successful Private InvestmentCompany in 2009. His leadership, knowledge of technology,forward thinking, and administrative skills have positioned him atthe vanguard of the current technology wave in Australia.John holds three bachelor’s degrees inlaw, Commerce and Arts, as well as aDiploma of Financial Planning, and hasover 20 years’ experience in the financialservices industry. He managed Australia’slargest SMSF business at Crowe Horwathwith 10,000 accounts and has directedbusinesses with assets of over 10 billion.John is now the responsible manager and a board director forCashwerkz, he is also an Executive Director of Trustees AustraliaLimited (TAU:ASX), Australia’s leading fintech marketplacefor cash and term deposit managed investment structures.Additional roles include Executive Chairman of Wisr (WZR:ASX)and CEO of Adcock Private Equity – a specialist investmenthouse for fintech, healthtech, regtech and legaltech start-ups.HECTOR ORTIZ. CEONATHAN LEMAN. DIRECTORHector has worked across a numberof industries, including the IT sector,financial services and businessmanagement, in six different countries.He has more than 30 years’ experiencewith major financial corporations,including Thomson Reuters, CreditSuisse Asset Management and RIMSecurities.2Nathan has been a valuable director ofTrustees Australia since 2010. He is a qualifiedproject manager and registered commercialbuilder with hands-on experience in diverseroles in managing operating businesses,as well as development, construction andtechnology acquisition and implementationprojects. Prior to the Cashwerkz merger, hewas responsible for the design and management of all IT functionsfor the Trustees Australia Group, including those relating to financialservices technology platforms. As a director of Trustees Australia,Nathan has been closely involved in numerous acquisitions andreconstructions as implementor and trouble-shooter.

GROWING OPPORTUNITY Superior digital platformCASHWERKZ CURRENTLYSUPPLIES 2B TO THEBANKS TO SUPPORTCAPITAL FUNDINGREQUIREMENTS. Expanding solutionOver 1b in Active Funds support the Solid Growth in Core Products Large and increasingly addressable market Market Structure Changes Regulatory ReformCreating New Opportunitiescapital requirements for banks:suite for allinvestorsADI’sCOMPELLINGVALUEPROPOSITION(A1 / AA-)21.7%(A2 / BBB)13.2%(A2 / A-)10.0%(P2 / BAA2)7.4%(Not Rated)6.1%Table represents top 5 banks andthe percentage of funds held.3Percentage %

INNOVATIVE SECURITYCustomer funds separated from the platformBank level cyber security standardTwo factor authentication protectionRegular security testingAll transactions logged and audited4

LEADER IN INNOVATIONIDENTIFICATIONVERIFICATION ANDMANAGEMENT.AN AUSTRALIAN FIRST Invest in just three clicks Leaders in customer ID verification andmanagement Know-your-customer and anti-moneylaundering processes embedded in platform Costly to replicate and integrate forcompetitors53CLICKSTO INVEST

CASHWERKZ IS RESONATING3,922% 80%GROWTH INFUNDS INVESTED*TO 1.81 BILLION41BANKPARTNERSAND GROWING* Between 31 December 2018 and 28 February 20196CUSTOMERRETURNRATE291AVERAGE NUMBEROF DAYS ONPLATFORM(WHOLESALE ANDWEALTH PARTNERS )2.2T CASHMARKET

-Jul-1701-Aug-1701-Sep-1701-Oct-17"Funds on01-Dec-17 n-18CASHWERKZ IS 128,556,5966,517,1626,332,5252,984,555126,399,466 112,925,010 95,839,278Active and pass thru funds on platformPass-thruActive 2,200,000,000 2,004,038,522 2,000,000,000 1,800,000,000 1,600,000,000 1,400,000,000 1,200,000,000 1,059,539,852 1,000,000,000 800,000,000 600,000,000 400,000,000 200,000,0000JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2019 2019 2019ons lodged per active broker per state during six-month c-1801-Jan-1901-Feb-19Total112,834,450 191,807,450 274,622,949 366,896,924 448,325,982 659,499,698 836,051,648 1,030,307,297214,703,245 225,289,151 189,447,964 170,407,647 219,918,360 179,839,443 209,880,751

INVESTORS ARE AT THE CORE OF EVERYTHING WE DO Easy access to term deposits for financialinstitutions and custodians Innovative technology that’s constantly evolving Customer funds never held by Cashwerkz Cashwerkz partners with the financial services sector Fee-free service for investors, ADI pays fee to Cashwerkz Bank-grade security and data encryption Cashwerkz supports customised ADI offerings8

WE GET THE MARKETWE KNOWINVESTORS.WE KNOWADVISERS.WE KNOWCUSTODIANSAND THEMIDDLEMARKET. Broad, digital offerings Independent RIM Securities 15 year Competitive interest rates Easy and transparent No fees for investors, ADIspay fee to Cashwerkz Invest and transact inminutes 24/7 access to term depositsand cash Potential to maximise returns9processtrack record Efficient workflow Gives clients choice Real-time reporting Integrates with adviser Easy to manage maturingsoftwareinstruments Secure instructions Streamlined KYC/AMLWE KNOWBANKS . We understand every partof the market More efficient bank funding

OUR CONTRIBUTION TO INVESTINGTRANSPARENCY.CHOICE.TRUST.VIEW ALL YOURINVESTMENTS IN ONE PLACEHUGE RANGE OFINVESTMENT OPTIONSMARKET-LEADINGSECURITY SYSTEMSWe are very consciousof the need to continuouslyinnovate throughout our organisationto counteract the increased levels ofadministration and myriad challengesadvisers are currently facing andCashwerkz will be a big helpin creating these efficienciesfor our advice network.Cashwerkzprovides more transparentcash investing options for clientsand ensures we are accessing theTony Beaven, General Manager,most competitive market ratesElders Financial Planningpossible. This has not only made aOur partnership withpositive impact on our client’sWe are excited to workCashwerkz helps us deliver onreturns, it has streamlined ourwith Cashwerkz, to expandour goal of being transparent, upfrontreporting and administrationand innovate our term depositand honest with consumers. CashwerkzTodd Martin, Financial Adviser,MartinCo Financial Servicesdistribution to reach more investors,is an ideal partner for us for onlineand we are particularly excitedinvestment facilities. Its platform is highlyabout extending our reach to thetransparent, and it is very clear todirect, advised, middle market andend investors they are accessinginstitutional segments.highly-competitive offerings.Stephen Weston, Co-CEO, Volt Bank10Paul Thomas, CEO, Gateway

PARTNERSAdelaide BankAMP Bank LtdANZArab Bank Australia LimitedCredit Union SA LtdG&C Mutual Bank LimitedPolice Bank LtdPolice Credit Union LimitedPolice Financial Services Limited(trading as BankVic)Gateway Bank LtdQPCU Limited (trading as QBANK)Goldfields Money LimitedQudos Mutual LtdAustralian Military Bank LtdGoulburn Murray Credit UnionCo-operative Limited(trading as Qudos Bank)Auswide Bank LtdHeritage Bank LimitedB&E Ltd (trading as Bank of us)Holiday Coast Credit Union LtdBank Australia LimitedING Bank (Australia) LimitedBank of Queensland Specialist(trading as ING) – WSThe Capricornian LtdMacquarie Bank LimitedVictoria Teachers LimitedBendigo and Adelaide Bank LimitedMaitland Mutual BuildingSociety LimitedVolt BankBig Sky Building Society LimitedMembers Equity Bank Limited (ME Bank)Warwick Credit Union LtdCommunity CPS Australia LimitedNABIndustrial and CommercialBank of China LimitedAustralian Central Credit Union Ltd(trading as People’s Choice Credit Union)Bank of Sydney Ltd(trading as Beyond Bank Australia)Community First Credit Union Limited11Community Mutual Ltd(trading as Regional Australia Bank)Police & Nurses Limited(trading as P&N Bank)Queensland Country CreditUnion LimitedRural Bank Limited (a subsidiary of Bendigoand Adelaide Bank Limited)(trading as Bank First)

BENEFITS TO INVESTORSREGISTERING,READYTOINVESTMAJORITY OF 5M TRANSACTIONSRECEIVE ANEGOTIATED RATEMANY INVESTORSREADY TO INVEST ANDTRANSACT SEVEN DAYSAFTER REGISTERING Offers transparent view of Rates constantly changing to Competitive market interest ratesinvestments Gives retail investors and adviserschoice Supports advisers, fund managers,custodians and trustees to operatein clients’ best interests Austrack compliant and uniqueway of identifying investors withKYC and AML Improves financial system integrity12reflect the market New banks regularly join theplatform Helps drive competitionpublished in real time Easy way to manage cashinvestments Client funds held separately toplatform Exciting new product pipeline

BUILDING A GREAT CULTUREDEVELOPINGA GREATCULTURE FORSUSTAINEDGROWTH.DEVELOPINGAND GROWINGOUR PEOPLEIMPROVING THEWORKPLACEENVIRONMENT We develop team members’ careers We focus on health and wellbeing We offer a diverse, inclusive culture We’re committed to giving back We celebrate achievements13DIVERSITY ANDINCLUSIONINITIATIVESGIVING BACKTO OURCOMMUNITY25%CASHWERKZ SUPPORTSSUSTAINED GROWTH. We provide a supportive, functional workplaceHEALTH ANDWELLBEINGACTIVITIES50%EMPLOYEEGROWTH FROM18 TO 27 STAFFINCREASE INFEMALE STAFFMEMBERSCELEBRATINGMILESTONESAND EVENTS45%100%INCREASE INOFFERINGSON PLATFORMOF STAFF MEMBERSFROM OVERSEASBACKGROUNDS

INNOVATION AND BUSINESS ROADMAPCASHWERKZ TAILORMADE FOR THE CLOUDPLATFORM UPDATED TO SUPPORTDAILY RATE PUBLISHING, DYNAMICPRICING AND ENHANCEDREPORTINGEXPANDED SUITE OF PRODUCTSAIMED AT ALL SEGMENTSTO BE DEVELOPED14OPEN BANKINGCONSIDERATIONSENHANCEMENTSINCLUDING SECUREORDER HANDLING

GLOBAL ASPIRATIONSUKUSAUS 1.8TUS 11.7TSINGAPOREUS 44BAUSTRALIAUS 1.5T15

FINANCIALUPDATE16

STRONGRESULTSTRANSFORMINGTHE WAY WEINVEST IN CASHSUPERIORTECHNOLOGYFUTUREGROWTHPOTENTIAL 3,922% growth in funds Exciting new product Exceeds anti-money laundering New partnershipsinvested to 1.81 billion* fromopportunity for direct retailand know-your-customer 45 millioninvestors and SMSFscompliance obligations** 157% increase in ADI partnersto 41 partners**advisers, fund managers and 67% rise in deposits that areyet to mature to 1.1 billionfrom 659 million* 26% lift in deposit revenue to 601,000 from 476,000* As at February 2019** As at December 201817 Responding to demand fromcustodians for a new platform Increasing the choice,streamlining and offeringtransparency State-of-the art REST API’s andintegration with third parties 24/7 availability Opportunity to collaborate withpartners to extend our offering New products New markets Global aspirations

H1FY18 HIGHLIGHTSFINANCIALSYNERGY.PERFORMANCE. New leadership team in place and working well 26% increase in deposit revenue Customer integration in progress 1.1 Billion in active funds on the Cashwerkz platform Platform synergies progressing Expanded operational capabilities with key senior hiresWITH RIM SECURITIES COMPLETEDacross sales, marketing and product developmentSTRONGGROWTH.BUSINESS. Soft launch of At Call product commenced earlier Strong cash and working capital positionMOMENTUM CONTINUESthis year and we have plans to continue targetedmarketing communications to existing clients.18STRONGCASE Decreased borrowings