Announcement PDF Investor Presentation FY26 Full Year Results 27 August 2026 Payment solutions provider driving innovation in the banking ecosystem 2 Delivering Innovative & Scalable Payments Solutions Payments as a Service Payment testing Full payment simulation Treasury, Fraud & Compliance Transaction processing – all major schemes Physical & digital cards (inc. Apple & Google Pay) ATM & POS emulation All major scheme validation Change provides tailored payment solutions, card issuing & testing to 150+ banks & fintechs across 40+ countries Two core proprietary technology platforms owned & developed in-house Mastercard & regulatory licences (AFSL & FSP) Processing (Global) Processing & Issuing (Australia & NZ) Deployed Software & APIs 83% of FY26 Revenue Supports Prepaid, Debit & Credit 17% of FY26 Revenue Platform offers innovative capabilities to rival the major banks in a capital efficient manner Processing capabilities/services plus client leverages Change’s licences & issuing capabilities Default standard for EFTPOS testing in Australia Global customer base incl. 5 of top 10 global digital payment companies Embedded into core processes Core based on global messaging standard ISO 8583 & ISO 20022 Payment Schemes & Standards Delivered on upgraded FY26 revenue & Underlying EBITDA guidance Record financial results from combination of continued revenue growth and stable fixed cost base Delivered maiden full year profit – key milestone US$630m $ VALUE OF PaaS TRANSACTIONS PROCESSED4 IN FY26 16% PCP Achieved a 3-year revenue Compound Annual Growth Rate (CAGR) of 28% to FY26 – PaaS revenue growth the key driver 3 Key Highlights 1. AUD/USD = 0.70, all AUD amounts are converted for representation purposes to assist the reader 2. Includes Support & Maintenance & PaaS transaction fee revenue 3. Underlying EBITDA excludes interest included as revenue & share-based payments included as an expense in statutory accounts 4. Transactions are denominated in local currencies & have been converted to USD, Change’s reporting currency US$18.2m (A$26.0m)1 FY26 REVENUE 21% PCP 21.4m NO. OF PaaS TRANSACTIONS PROCESSED IN FY26 17% PCP 150k+ NO. OF CURRENT ACTIVE PaaS CARDS ON PLATFORM 104% PCP 73% OF REVENUE FROM RECURRING INCOME STREAMS2 IN FY26 US$3.3m (A$4.7m) FY26 UNDERLYING EBITDA3 17x PCP Notable FY26 Achievements Clear & focussed operational roadmap to deliver shareholder value 4 Commercial Commenced branding and value proposition project – new website & sales collateral to be delivered in FY27 Expanded partnership ecosystem – signed 4 new PaySim partners and a new BIN sponsorship partnership with a global processor Launched first BIN sponsorship client in NZ Migrated one of Australasia's largest accounting software debit card programs (AU & NZ) to the PaaS platform Currently onboarding four new PaaS clients – additional four clients in final contracting phase Continued transition to highly scalable PaaS/SaaS business Product Significantly enhanced Vertexon PaaS digital capabilities Enhanced digitisation/tokenisation offering and broadened SDK to enable faster and deeper client integration Completed Phase 1 of the PaySim modernisation project Completed sales demo platform – key sales enabler for new opportunities Embedded agentic AI – rapidly accelerated product roadmap development and efficiency FY26 Financial Results 6 Vertexon PaaS Metrics & Revenue Model PaaS platform scaling with volume increasing as card numbers continue to grow 1.Transactions are denominated in local currencies & have been converted to USD, Change’s reporting currency PaaS – Revenue Types Description Platform Fees Recurring platform fees (e.g. access & feature ‘flag fall’ fees) & recurring monthly minimums Fixed Transaction Fees Flat fee per transaction Variable Transaction Fees Depending on transaction type, an additional variable fee may be applied Value-Added Services Additional fees for fraud protection, digital capability, analytics, chargeback handling, etc. Interchange Fee paid by the merchant acquirer to the issuer to compensate the issuer for the value & benefits merchants receive when they accept electronic payments FY24 - 50 100 150 200 Q1 Q2 Q3 Q4 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 Q1 Q2 Q3 Q4 - 50 100 150 200 Q1 Q2 Q3 Q4 Active Cards (thousands) Transactions Processed (millions) Transaction Volumes (US$m1) FY25 FY26 150k+ cards active in AU & NZ Growth in existing client base – particularly fintech clients – significant new cards added in FY26 Hnry AU & NZ program card migrations completed in July Strong momentum in PaaS business exiting FY26 with record active cards, number of transactions and gross transaction volume (GTV) through the platform in June and again in July Scaling Revenue with Discipline & Focus 7 Revenue (US$m) – H1 vs H2 PaaS now the largest contributor of revenue 3.8 4.3 4.4 7.2 9.3 4.5 4.4 6.2 7.9 8.9 FY22 FY23 FY24 FY25 FY26 8.3 H1 H2 8.7 10.6 Record revenue year New client wins Established clients driving increased activity 42% 8% 31% 19% Revenue by Region (%) FY26 SE Asia Oceania Latin America Rest of World Revenue by Service Offering (%) FY26 Support & Maintenance Processing & Issuing (PaaS) Professional Services Licenses 32% 54% 2% 11% Growing client base in AU & NZ driving PaaS revenue Growing Oceania presence & increasing client reference-ability 2.2 3.7 4.6 2.3 3.5 4.7 3.0 3.9 4.3 3.2 4.0 4.6 FY24 FY25 FY26 Q1 Q2 Q3 Q4 Revenue by Quarter (US$m) 15.1 18.2 Recurring revenue providing a solid base for future growth 8 Strong & Growing Base of Recurring Revenue 7.5 3.3 4.3 15.1 2.4 0.6 3.0 18.2 PaaS Support & Maintenance One-Off Total Support & Maintenance One-Off Total Total Revenue Contribution (US$m) FY24 FY25 FY26 PaaS (Recurring) 1.3 6.3 7.5 Support & Maintenance (Recurring) 4.9 5.3 5.7 Licence & Professional Services (One-off) 4.2 3.4 4.9 Other 0.2 0.1 0.1 Total 10.6 15.1 18.2 % Recurring Revenue 58% 76% 73% FY26 PaaS revenue up 19% on FY25 Team in place to continue to deliver one-off work for existing clients and support PaaS growth Global client base – FY26 revenue split by currency: 61% USD / 27% NZD / 12% AUD US$13.2m (A$18.9m) Recurring Revenue in FY26 – 73% of Revenue FY26 Revenue (US$m) Total revenue includes c.$100k of interest revenue Profit & Loss FY26 revenue of US$18.2m (A$26.0m), up 21% on pcp Record revenue year – growth driven by PaaS revenue Technology & hosting cost decrease driven by exit from US PaaS platform delivering operating leverage with scale Material gross profit margin expansion of 600 bps in FY26 from 26% to 32% Expect continued expansion in gross profit margin with further PaaS growth – medium term target of 40% – 45% FY26 Underlying EBITDA of US$3.3m (A$4.7m) 9 Material EBITDA improvement driven by revenue growth & stable fixed cost base 1. Excludes share-based payments included as an expense in the Appendix 4E statutory accounts 2. Excludes interest included as revenue and includes $44k of net costs associated with US entity in FY26 which has now been liquidated AUD/USD = 0.70 (A$ amounts are converted for representation purposes to assist the reader) (1.6) (1.0) (0.7) (0.5) 1.8 (0.8) (0.2) - 0.7 1.5 FY22 FY23 FY24 FY25 FY26 Underlying EBITDA (US$m) – H1 vs H2 (2.4) (1.2) (0.7) H1 H2 +0.2 0 1.3 2.9 3.4 3.7 3.9 0% 24% 27% 25% 30% 35% H1 H2 H1 H2 H1 H2 FY24 FY25 FY26 PaaS Revenue and GP Margin by Half (US$m) +3.3 Balance Sheet 10 Cash balance of US$3.1m (A$4.4m) Additional US$1.4m (A$2.0m) held in cash-backed security guarantees required by Change’s scheme & processing partners to enable PaaS offering (Other non-current assets) Client settlement funds of US$1.7m (A$2.4m) are offset by the corresponding scheme settlement payable US$1.6m (A$2.3m) Intangibles represent the carrying value of software including capitalised development costs Current contract liabilities (deferred income) of US$2.5m (A$3.6m) represents maintenance, service fees & project fees invoiced in advance of the service being provided – will be recognised as revenue over next 12 months as work is delivered Other non-current liabilities includes US$1.0m incentive payment received in June 2023 from Mastercard Will be progressively recognised as revenue in future periods as various transaction related milestones are achieved AUD/USD = 0.70 (A$ amounts are converted for representation purposes to assist the reader) Focus on delivering profitable growth to continue strengthening the balance sheet Cashflow 11 Cash receipts of US$16.5m (A$23.6m), up 8% on pcp Growth in PaaS business driving increase & smoothing of cash receipts (clients invoiced monthly in arrears) Significant improvement in net cash flows from operating activities primarily due to: Materially higher cash receipts driven by PaaS clients Stable fixed cost base Software investment relates to capitalised software development Running at a sustainable level & as expected post PaaS platform launch Volume related receipts & payments will increase as PaaS platform scales AUD/USD = 0.70 (A$ amounts are converted for representation purposes to assist the reader) Significant improvement in operating cash flow illustrates the strength of the business model (1.1) (0.5) 0.8 1.5 FY23 FY24 FY25 FY26 Net Cash from (used in) Operations (US$m) Outlook Key focus on securing client wins in core target markets 13 Key Focus on Accelerating Growth & Scale Leverage partner ecosystem to expand opportunity pool PaaS: global processor partners – 3 partnerships in place PaySim: global distribution partners – 14 regional partners in place Direct Client Acquisition & Retention 1 Partner Acquisition 2 Sales team repositioned to outbound sales hunting Refreshed Sales enablement materials to increase lead generation and conversion rates Vertexon New clients in ANZ – primary focus on penetrating large AU market opportunity Continue to work closely with two key strategic SE Asia clients – professional services work and upgrade to Vertexon cloud PaySim New licence sales globally – new version of PaySim (modernization project) key enabler to drive sales 14 Key Focus on Accelerating Growth & Scale Outlook 3 Enter FY27 with strong momentum underpinned by record PaaS revenues in June 2026 Expect to further accelerate throughout FY27, driven by: Onboarding of four contracted clients – all forecasted to be ‘live’ and transacting in H1 FY27 Four new clients currently in the final contracting phase; and New client wins from increasingly maturing sales pipeline PaaS gross margin expected to continue improving as volume scales with a medium-term target of 40-45% (versus FY26 PaaS gross margin of 32%) Change expects to be net cash flow positive for FY27 Key focus on securing client wins in core target markets 15 Investment Highlights All regulatory & licensing requirements for card issuing in AU & NZ in place Australian Financial Services Licence in AU & Financial Service Provider in NZ Strong relationship with Mastercard 70%+ of revenue from recurring revenue streams PaaS revenue scaling – driving material gross margin expansion Engaged and active existing client base Increasing sales momentum Strong validation of PaaS platform with financial institution & fintech clients in Oceania Long-term relationship with two of the largest banks in the Philippines 5 of the top 10 digital payment companies globally use PaySim for payments testing¹ Strong Foundations Growth & Scale Focus Marquee Customers Proprietary payments technology platforms Vertexon: leading card management system for processing & issuing PaySim: default standard for eftpos testing in Australia. All participants must use PaySim to validate their technology & systems Longer term client relationships with initial contract terms typically 3-5 years Given critical nature of service provided, challenging to switch from Vertexon Continued move towards digital payments as cash usage declines Vertexon: significant card issuing market opportunity in AU & NZ PaySim: <0.5% share of an estimated multi billion-dollar global market opportunity Product Offering Long-term Contracts Market Opportunity 1. https://www.emergenresearch.com/blog/top-10-leading-digital-payment-companies-in-the-world Appendix - 0.2 0.4 0.6 0.8 1.0 1.2 1.4 1.6 1.8 2.0 2.2 2.4 2.6 2.8 3.0 3.2 3.4 Processing & Issuing Kids Banking Fintech (AU) - Target launch Q1 FY27 Casual Wages Payment Fintech (AU) - Target launch Q1 FY27 Issuing Global Fintech (AU) - Target launch mid- late CY26 Processing South Pacific Fintech - Target launch Q1 FY27 Accelerating PaaS Growth Growing client base which is continuing to drive PaaS revenue growth Quarterly PaaS Revenue (US$) PLATFORM LIVE NEW ZEALAND FY25 FY26 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 2x Credit Unions (NZ) 1x Building Society (NZ) (Processing & Issuing) 17 FY24 FY27 PLATFORM LIVE AUSTRALIA Currently onboarding four new PaaS clients to the Vertexon Platform Change is powering the payments of leading financial institutions & fintechs across Australia & NZ 1 1 2 Credit Union (NZ) (Processing & Issuing) 2 3 Employee Benefits Fintech (NZ & AU) (Processing & Issuing) 3 4 Credit Union (NZ) (Processing & Issuing) 4 5 Prepaid Card Fintech (NZ) (Processing & Issuing) 5 6 Personal Wealth Management Fintech (NZ) (BIN Sponsorship - Issuing) 6 7 Accounting Services Fintech (AU & NZ) (Processing & Issuing) Launched Q4 FY26 7 Description New licence sales to new clients Licence sales for additional features, functionalities or tiers c.20% p.a. of licence & module sales Fees for customisation – new features or functionality Revenue type One-off upfront One-off upfront Recurring One-off Vertexon On-Premises & PaySim Revenue Model Vertexon On-Premises Client hosts the Vertexon platform in their own environment Current Change clients manage & process more than 45 million credit, debit, & prepaid cards worldwide Revenue model – typically a licence plus ongoing support & maintenance – can include volume tiering arrangements which trigger additional licence fees (plus associated support & maintenance) Card & transaction volumes have limited correlation to resulting revenue PaySim Software deployed to client’s environment – can be sold globally Revenue model – licence fee per module plus ongoing support & maintenance to receive scheme mandate updates & support Initial Licence Modules & Licence Tiers Maintenance Vertexon On-Premises & PaySim – Revenue Types Vertexon & PaySim are trusted by leading financial institutions & fintechs globally 18 Professional Services Processing: Customer pays with card (all card networks supported) & purchases goods/services from merchant P&I: Customer pays with a Change issued Mastercard & purchases goods/services from a merchant Payment authenticated – the merchant point-of-sale system captures the customer’s account information & securely sends it to the acquirer (i.e. merchant’s bank) Transaction submitted – merchant acquirer asks card network to get authorisation from the issuer (i.e. customer’s bank) Processing: Authorisation requested – card network submits transaction to issuer for authorisation P&I: Authorisation requested – card network submits transaction to Change (as Issuer) for authorisation Processing: Authorisation response – using Vertexon Platform issuer authorises the transaction & routes the response back via the card network & acquirer P&I: Authorisation response - using the Vertexon Platform Change (as Issuer) authorises the transaction & routes the response back via the card network & acquirer Processing: Settlement – card network debits the issuer & pays the acquirer who in turn makes payment to the merchant P&I: Settlement – card network (Mastercard) debits the issuer (Change) & pays the acquirer who in turn makes payment to the merchant Vertexon in the Payments Process Change’s role in the payments process depends on the region, client type & services provided 19 Cards can be physical & virtual cards (inc. Apple Pay, Google Pay, etc.) available via Vertexon  Processing: An Issuer (Change’s client) using the Vertexon Platform (technology only) to manage their cards – client is the Issuer & cards can be issued on any card network supported by Vertexon  Processing & Issuing (P&I): A client using the Vertexon Platform (technology) to manage their cards with Change as Issuer (regulatory & licence) – Change is the Issuer & cards are issued on the Mastercard Network 1 2 3 4 5 6 Merchant Acquiring Bank (Acquirer) Card Networks Issuing Bank (Issuer) Change (as Issuer) 1 3 4 5 5 2 5 6 Vertexon Product Offering Vertexon offering can be tailored by client to offer services that best suit client & end customer needs 20 Processing Processing & Issuing Overview • Provide core technology to enable card issuing & management including: o Transaction processing o Card management o Fraud monitoring o Digital & virtual cards o BNPL functionality • Platform offers innovative processing capabilities to rival the major banks in a capital efficient manager (Change responsible for PCI DSS compliance, hosting etc) • Client responsible for card issuing – client holds the necessary scheme & regulatory licences • Provide Processing capability + the following key card Issuing capabilities: o Card design & production o Card issuing o AML / CTF o Settlement & reconciliation o KYC & Onboarding • Change responsible for card issuing – Change holds the necessary scheme (Mastercard) & regulatory licences (i.e. AFSL in Australia, FSP in NZ) Cards Supported • Prepaid, Debit & Credit • Prepaid & Debit Target Clients • Banks & financial institutions • Large entities with direct issuing capability • Migration of key existing Vertexon On-Premises clients • Mid / Small banks & financial institutions incl. credit unions • Fintechs & corporates • BIN sponsorship Regions • Global - processing does not require scheme or regulatory licences • Australia & New Zealand Supported Schemes Total Card Payment Spend NZ$109 billion Market Overview – New Zealand 21 1,137 897 New Zealand Card Payments1 Volume (millions) Debit Credit 57 52 Value NZ$ (billions) Total Card Payment Transactions 2 billion+ Annualised Run Rate Market Share Transaction Volume c.19.4m <1% Transaction Value c.NZ$1.0b <1%  Banking in New Zealand is dominated by the Big 4 banks  27 registered banks plus several credit unions & building societies  No payment aggregation services providers for smaller players & historically limited innovation outside the Big 4 Banks  Estimated that small financial institutions make up just less than 10% of the market¹  In addition to continuing to target the financial institution market segment, there are further opportunities in:  Prepaid cards – current clients include employee benefits provider & a prepaid gift card client signed in Q1 FY25  Further opportunities in insurance, gaming, government & healthcare sectors  Debit card – current client includes personal wealth management client with >500k members signed in Q2 FY25  Further opportunities include non-bank corporate lenders, embedded finance & other non-financial institutions  Change estimated debit market share2 of small financial institutions is approx.15% 1. Sourced from The Initiatives Group, Market Sizing for Vertexon – Australia & New Zealand Report 2. Excludes ATM transactions processed by Change Market Overview – Australia 22 Card based payments now dominate transaction volume in Australia 1. Sourced from RBA Data & The Initiatives Group, Market Sizing for Vertexon – Australia & New Zealand Report. FY25-FY28 Forecasts Australian Annual Transaction Volume by Type of Retail Payment1 - 5.0 10.0 15.0 20.0 25.0 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY27 FY28 Debit Card Credit Cards Australian Card Payments1 Volume (billions) - 200 400 600 800 1,000 1,200 1,400 1,600 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY27 FY28 Debit Card Credit Cards Value A$ (billions) FY20–FY24 CAGR Debit Cards 10.5% Credit Cards 5.8% FY24–FY28 CAGR(F) Debit Cards 12.9% Credit Cards 3.5% FY20–FY24 CAGR Debit Cards 12.8% Credit Cards 6.8% FY24–FY28 CAGR(F) Debit Cards 11.8% Credit Cards 4.2% 0 2 4 6 8 10 12 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Total Number of Transactions (billions) Debit Cards Credit & Charge Cards Direct Debit Direct Credit ATM Cash Withdrawals Cheques NPP Scheme & EFTPOS Debit Cards 4-Party & 3-Party Credit & Charge Cards Market Overview – Australia (cont.) 23 Total A$320 billion 146 437 Australian Card Payments Value1 Debit Cards Addressable Market Big 4 Banks Major Card Providers & Closed Networks 38 221 61 Personal Credit Cards Total A$583 billion 2 10 13 Prepaid Cards Total A$25 billion  Whilst the Big 4 banks have a significant position in the Australian card issuing market, there is a materially larger opportunity than in New Zealand  Change is seeking to leverage the recent success in the NZ market to target the sizeable AU market  Small to medium sized financial institutions (e.g. credit unions, small banks & digital banks)  Non-bank lenders seeking to add card functionality, non-financial institutions & embedded finance opportunities  Credit cards (but not underwriting or providing credit)  White label prepaid card brands / issuers 1. Sourced from RBA Data & The Initiatives Group, Market Sizing for Vertexon – Australia & New Zealand Report. FY25-FY28 Forecasts PaySim – Critical Payments Infrastructure Testing Tool  Simulates the full transaction lifecycle, enabling banks & fintechs to complete end-to-end testing of their payment platforms, processes & scheme rule compliance  Enables financial institutions to test their payment systems to meet the reliability & performance expectations of their customers PaySim enhances speed to market for clients by delivering automated, repeatable & scalable testing capabilities 24 PaySim is an all-in-one modular payments testing solution that enables:  Payment Simulation & Device Emulation  Stress Testing  Regression Testing  Certification  Scheme Settlement PAYSIM EMULATION PaySim Market Overview – Global 25  Extremely powerful modular end-to-end payments testing & certification solution embedded into tier 1 banking & payments institutions globally  Core based on global messaging standard ISO 8583 & ISO 20022  Default standard & benchmark for EFTPOS testing in Australia  Global payment testing market is estimated to be extensive¹  More than 32,000 potential clients (inc. card issuers, acquirers, ATM deployers, financial institutions & fintechs)  New license sales are typically in the low six-figure range  Multi billion-dollar global market opportunity  Key focus & opportunities for growth:  Partner / reseller network – leverage existing partner network to drive sales & secure new partners / resellers  Direct sales – outbound direct client sales supported by marketing activities  Cross sell / upsell – upgrade existing clients to adopt more modules & deepen integration into clients’ systems  Product development – new products & features to meet additional payments testing requirements 1. Sourced from The Initiatives Group, PaySim Market Review Report Number of PaySim Clients Market Share 140+ <0.5%  PaySim is a powerful payments testing tool, ensuring seamless transactions before they go live, can be sold globally & supported from Change's existing office locations 26 Building the Commercial Team to Drive Growth Sales & Marketing  Change continues to strengthen and evolve its sales team to be focused on outbound sales ‘hunting’ for Vertexon (Australia) & PaySim (Global) given the significant market opportunity Chief Commercial Officer 2x VP Bus. Dev. (Vertexon) VP Strategic Bus. Dev. (PaySim) VP Marketing 15+ Vertexon 140+ PaySim Our clients VP Bus. Dev. (Vertexon & PaySim) Asia Pacific Change Financial Limited ASX: CCA Disclaimer Important Notice This presentation has been prepared by Change Financial Limited (Change Financial) in good faith. No express or implied warranty is given as to the accuracy or completeness of the information in this document or the accompanying presentation. All statutory representations and warranties are excluded, and any liability in negligence is excluded, in both cases to the fullest extent permitted by law. No responsibility is assumed for any reliance by any person on this document or the accompanying presentation. Summary information The information contained in this presentation is a summary overview of the current activities of Change Financial. This presentation does not purport to be all inclusive or to contain all the information that a prospective investor may require in evaluating a possible investment. This presentation is for general information purposes and is not intended to be and does not constitute an offer to sell or a solicitation of an offer to buy or sell securities, a prospectus, product disclosure statement, pathfinder document or other disclosure document for the purposes of the Corporations Act and has not been, and is not required to be, lodged with the Australian Securities & Investments Commission. This presentation should be read in conjunction with all other periodic and continuous disclosure announcements lodged by Change Financial with the Australian Securities Exchange, available at www.asx.com.au. Not financial product advice The material contained in this presentation is not, and should not be considered as, financial product or investment advice. This presentation is not an offer, invitation or recommendation to acquire New Shares, and does not take into account the investment objectives, financial situation or particular needs of any particular investor. You must make your own independent assessment and review of Change Financial, and the information contained, or referred to, in this presentation, including its financial condition, assets and liabilities, financial position, profits and losses, prospects and business affairs, including the merits and risks involved. Nothing in this presentation constitutes investment, legal, tax or other advice. You should seek legal, financial, tax and other advice appropriate for your jurisdiction. Past and future performance This presentation contains information as to past performance of Change Financial. Such information is given for illustrative purposes only, and is not – and should not be relied upon as – an indication of future performance of Change Financial. The historical information in this presentation is, or is based upon, information contained in previous announcements made by Change Financial to the market. These announcements are available at www.asx.com.au. This presentation contains certain “forward looking statements”. Forward looking words such as “expect”, “should”, “could”, “may”, “will”, “believe”, “forecast”, “estimate” and other similar expressions are intended to identify forward-looking statements. Such statements are subject to various known and unknown risks, uncertainties and other factors that are in some cases beyond Change Financial’s control. These risks, uncertainties and factors may cause actual results, performance or achievements to differ materially from those expressed or implied by the forward-looking statements and from past results, performance or achievements. Change Financial cannot give any assurance or guarantee that the assumptions upon which management based its forward-looking statements will prove to be correct or exhaustive beyond the date of its making, or that Change Financial’s business and operations will not be affected by other factors not currently foreseeable by management or beyond its control. Such forward- looking statements only speak as at the date of this announcement and Change Financial assumes no obligation to update such information. 27 Thank you. Get in touch via email investors@changefinancial.com Stay Connected Receive ASX announcements and company updates directly to your inbox, access video summaries, join our webinars and ask questions directly to the team. Sign up to the Change Investor Hub at investors.changefinancial.com Engage directly with us by posting your questions on our latest announcements via our Investor Hub. You can view and comment on this announcement here.