Announcement PDF Q1 FY27 Investor Presentation 30 October 2026 All figures now in Australian dollars 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 85% of Q1 FY27 Revenue Supports Prepaid, Debit & Credit 15% of Q1 FY27 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 3 Change in Currency Refer to slide 15 for constant currency methodology and AUD/USD exchange rates All figures in AUD Increasing Focus on ANZ  Continued growth in ANZ client base and revenue – now accounts for more than 50% of revenue  Large Australian card issuing market is the key growth focus US Operations Exited  Exit from US operations removes significant USD costs ASX Investor Base  Results reported in the currency of share price and investor base  Consistent with ASX-listed peers Cash Holdings  Majority of cash reserves held in AUD  Reported results match how the business is funded & managed Easier Comparison  No need for investors to convert USD results into AUD  Constant currency figures isolate FX movements (slide 15)  Change now reporting in Australian dollars from 1 July 2026  FY26 comparatives restated at prevailing FY26 FX rates in AUD (unaudited)  Continued strong momentum and growth in core PaaS business Record quarter – PaaS revenue, active cards, number of transactions and GTV Two new PaaS clients signed, four PaaS clients in final contracting phase (including two added in the quarter) A$272m GTV3 IN Q1 FY27 34% PCP (CCY) Achieved a 3-year revenue Compound Annual Growth Rate (CAGR) of 28% to FY26 – PaaS revenue growth the key driver 4 Key Highlights 1. Revenue and Underlying EBITDA are Unaudited. Underlying EBITDA excludes interest included as revenue and share-based payments included as an expense in statutory accounts 2. Includes Support & Maintenance and PaaS transaction fee revenue 3. Transactions are denominated in local currencies and have been converted to AUD, Change’s reporting currency. Gross transaction value (GTV) growth percentage is shown at constant currency (ccy) A$6.3m Q1 FY27 REVENUE1 6.5m NO. OF PaaS TRANSACTIONS IN Q1 FY27 33% PCP 172k+ NO. OF ACTIVE PaaS CARDS AT END OF Q1 FY27 92% PCP 81% OF REVENUE FROM RECURRING INCOME STREAMS2 IN Q1 FY27 A$0.7m Q1 FY27 UNDERLYING EBITDA1 All figures in AUD FY24 - 50 100 150 200 250 300 Q1 Q2 Q3 Q4 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 Q1 Q2 Q3 Q4 - 50 100 150 200 Q1 Q2 Q3 Q4 5 Vertexon PaaS Metrics & Revenue Model PaaS platform scaling with volume increasing as card numbers continue to grow Active Cards (thousands) 1.Transactions are denominated in local currencies and have been converted to AUD, Change’s reporting currency Transactions Processed (millions) 172k+ cards active in AU & NZ Up 15% quarter on quarter (QoQ) and 92% on prior corresponding period (pcp) Growth in existing client base – particularly fintech clients – Hnry AU & NZ program card migrations completed during Q1 Q1 FY27 transactions up 33% and GTV up 34% on pcp (ccy) September was a record month for active cards, number of transactions and GTV Currently onboarding six contracted clients due to launch in FY27 that will drive future growth GTV (A$m1) 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 FY25 FY26 FY27 All figures in AUD - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Accelerating PaaS Growth 6 FY24 FY25 FY26 FY27 ► Q1 FY27 PaaS revenue up 26% on pcp (ccy) Quarterly PaaS Revenue1 (A$m) PaaS Client Pipeline New PaaS clients launched in the quarter 4 Contracting Final contracting stage 6 Onboarding In implementation 9 Live Clients Generating recurring revenue Processing & Issuing Personal Credit Provider (NZ) · signed Q1 Kids Banking Fintech (AU) Casual Wages Payment Fintech (AU) Issuing Global Digital Asset Wealth Platform (AU) · signed Q1 Global Fintech (AU) Processing South Pacific Fintech +2 added in Q1 FY27 +2 signed in Q1 FY27 +3 +1 – +1 +1 +1 – – – +1 – +1 All figures in AUD 1.All numbers have been converted to AUD, with the change to AUD reporting, FY26 and FY27 numbers are currently unaudited 3.3 3.5 4.6 4.8 5.4 5.5 6.2 6.2 7.0 7.1 6.1 6.6 6.3 Q1 Q2 Q3 Q4 FY24 FY25 FY26 FY27 7 Financial Update – Q1 FY27 Q1 FY27 revenue of A$6.3m, down 3% on pcp (ccy) Increasing PaaS revenue, up 26% on pcp (ccy) & expanding gross profit margin Licence & Professional Services revenue of A$1.2m, down 38% on pcp (ccy), reflecting delivery timing; A$3.9m pipeline of fully scoped projects expected to convert in coming quarters New PaaS clients recently onboarded driving short & long-term growth Building an increasing base of recurring revenue Revenue1 by Quarter (A$m) 1. All numbers have been converted to AUD, with the change to AUD reporting, FY26 and FY27 numbers are currently unaudited 2. Percentages shown at constant currency to remove the impact of exchange rate movements, facilitating comparability of operational performance Revenue Contribution (A$m) Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Reported Q1 FY27 At CC1 Change %2 PaaS (Recurring) 2.7 2.9 2.5 2.9 3.2 3.5 26% Support & Maintenance (Recurring) 2.2 2.1 2.0 2.1 1.9 2.0 (6%) Licence & Professional Services 2.1 2.1 1.6 1.6 1.2 1.3 (38%) Other 0.0 0.0 0.0 0.0 0.0 0.0 - Total 7.0 7.1 6.1 6.6 6.3 6.8 (3%) % Recurring Revenue 70% 70% 74% 76% 81% 81% All figures in AUD 8 Financial Update – Q1 FY27 (cont.) Q1 FY27 Underlying EBITDA2 of A$0.7m, down 38% on pcp (ccy) Impacts from FX movements, reduced software capitalisation and one-off revenue timing detailed on slide 9 Underlying EBITDA impacted by the timing of one-off Licence & Professional Services revenue, which is delivered with no incremental costs (i.e. no COGS) A$3.9m pipeline of fully scoped projects expected to convert in coming quarters Q1 cash receipts of A$6.5m up 18% on pcp, leading to positive net operating cashflows of A$0.3m Cash payments for operating activities3 of A$6.3m up 21% on pcp due to increased creditor payments, timing of reimbursements and prepayment of payroll for Q2 Q1 staff costs (approx. 33% of cash payments for operating activities) up 4% on pcp, primarily due to reduced capitalised development time. Payroll is broadly flat in local currency Capitalised software development costs of A$0.5m, down 28% on pcp Cash holdings of A$4.2m Additional A$2.1m held in cash-backed security guarantees relating to card issuing activities 0.1 1.7 4.4 5.3 5.6 5.4 3.2 24% 27% 25% 30% 35% 36% H1 H2 H1 H2 H1 H2 H1* FY24 FY25 FY26 FY27 PaaS Revenue1 and GP Margin by Half (A$m) Improving operating leverage – recurring revenue growing, GP margin improving, fixed cost base stable PaaS platform scaling – material GP margin expansion to 36% in Q1 FY27 Expect continued expansion in GP margin with further PaaS growth Medium term target of 40% – 45% Progressive rollout of new features (e.g. digital pays) positively impacting revenue and margin composition All figures in AUD 1. All numbers have been converted to AUD, with the change to AUD reporting, FY26 and FY27 numbers are currently unaudited 2. Underlying EBITDA is Unaudited. Underlying EBITDA excludes interest included as revenue and share-based payments included as an expense in statutory accounts 3. Excluding income tax and interest 9 Financial Update – Q1 FY27 (cont.) All figures in AUD 0.8 (0.2) (1.0) (0.2) (0.3) 1.5 0.7 Q1 FY26 Underlying EBITDA PaaS revenue growth Operating costs (inc. COGS) Lower Licence, Professional Services, Maintenance revenue Lower Capex FX impact (stronger A$) Q1 FY27 Underlying EBITDA Underlying EBITDA Bridge Q1 FY26 to Q1 FY27 (A$m) ► Underlying EBITDA down A$0.8m on pcp, driven by higher than typical one-off Licence & Professional Services revenue in Q1 FY26, lower capitalised development costs and a stronger AUD in current quarter ► PaaS revenue up 26% on pcp (ccy), with operating costs up A$0.2m ► Licence & Professional Services revenue down 38% on pcp (ccy), reflecting delivery timing ► A$3.9m pipeline of fully scoped projects expected to convert in coming quarters ► Lower capitalised development costs1 than Q1 FY26 ► Stronger A$ reduced reported EBITDA by A$0.3m 1. Capitalised costs relate to staff development costs, a reduction in capex keeps a higher portion of costs in operating expenses Increasing Sales Momentum Expanding pipeline depth across both product lines while building a higher- quality revenue pipeline 10 Current pipeline of fully scoped professional services work totalling A$3.9m under consideration by clients Once signed, will deliver significant revenue in future quarters Negotiation 15 Proposal 35 Qualification 61 Negotiation / Trial Licence 6 Proposal 52 Qualification 27 Pipeline Stage Mix Pipeline Stage Mix Product-led & sales momentum supporting new conversions Increasing commercial traction Key focus on product modernization & new features to drive new sales & increase existing client adoption Growing opportunity base All figures in AUD Upgraded Paysim makes a feature-rich product easier to use for a broader buyer base 11 New Paysim Now Available Legacy Paysim New Paysim ATM simulation POS terminal simulation Modernisation project progress Phase 1 & 2 New UI/UX and unified testing capabilities Released to existing clients in Q1 October 2026 ‘New’ Paysim is now available for sale globally Agentic AI Accelerated upgrade of a feature-rich technical product and rollout of new product roadmap Built for less technical users Key to drive growth in new Paysim licence sales globally Refreshed sales enablement to increase lead generation New website in progress PaaS: new clients in ANZ with a primary focus on penetrating large AU market opportunity Two new clients signed in Q1, four in final contracting phase Vertexon On-Premises: continue to work closely with two key strategic SE Asia clients – professional services work and upgrade to Vertexon cloud A$3.9m sales pipeline of fully scoped projects expected to convert in coming quarters Paysim: new licence sales globally New UI/UX and unified testing capabilities released to market Leverage partner ecosystem to expand opportunity pool Commercialise extensive PaaS and Paysim partner network Business focus on securing client wins in core target markets 12 Key Growth Focus & Outlook Change expects to be net cash flow positive in FY27¹ Client Acquisition & Retention 1 Outlook 2 1. Excludes any of the Company’s funds that may be required to be held for security deposits relating to its PaaS business or for any future strategic initiatives the Company may decide to undertake 13 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 15 Notes – Constant Currency & FX Constant currency removes the impact of exchange rate movements so operating performance can be compared between periods Constant currency figures are calculated by converting current period results denominated in US dollars and New Zealand dollars at the monthly AUD/USD and AUD/NZD exchange rates that applied in the prior corresponding period. These are then compared with prior period reported results. The difference between reported and constant currency results is the currency effect Average exchange rates for the quarters ended 30 September 2026 and 2025 were AUD/USD 0.706 and 0.654 (USD/AUD 1.42/1.53) and AUD/NZD 1.214 and 1.114 (NZD/AUD 0.82/0.90) Constant currency figures have not been audited or reviewed in accordance with Australian Auditing Standards Summary Revenue A$m Q1 FY27 reported revenue 6.3 Currency effect 0.5 Q1 FY27 constant currency revenue 6.8 Q1 FY26 reported revenue 7.0 Change on pcp (constant currency) (3%) Summary PaaS Revenue A$m Q1 FY27 reported PaaS revenue 3.2 Currency effect 0.3 Q1 FY27 constant currency PaaS revenue 3.5 Q1 FY26 reported PaaS revenue 2.7 Change on pcp (constant currency) 26% Summary Licence & Professional Services A$m Q1 FY27 reported revenue 1.2 Currency effect 0.1 Q1 FY27 constant currency revenue 1.3 Q1 FY26 reported revenue 2.1 Change on pcp (constant currency) (38%) Summary Support & Maintenance A$m Q1 FY27 reported revenue 1.9 Currency effect 0.1 Q1 FY27 constant currency revenue 2.0 Q1 FY26 reported revenue 2.2 Change on pcp (constant currency) (6%) Summary Underlying EBITDA A$m Q1 FY27 reported Underlying EBITDA 0.7 Currency effect 0.3 Q1 FY27 constant currency Underlying EBITDA 0.9 Q1 FY26 reported Underlying EBITDA 1.5 Change on pcp (constant currency) (38%) Summary Gross Transaction Value (GTV) A$m Q1 FY27 reported GTV 272 Currency effect 24 Q1 FY27 constant currency GTV 296 Q1 FY26 reported GTV 221 Change on pcp (constant currency) 34% 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 16 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 17 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$109 billion Market Overview – New Zealand 18 1,137 897 New Zealand Card Payments1 Volume (millions) Debit Credit 57 52 Value NZ$ (billions) Total Card Payment Transactions 2 billion+ Annualised Run Rate Market Share Transaction Volume c.19.4m <1% Transaction Value c.NZ$1.0b <1%  Banking in New Zealand is dominated by the Big 4 banks  27 registered banks plus several credit unions & building societies  No payment aggregation services providers for smaller players & historically limited innovation outside the Big 4 Banks  Estimated that small financial institutions make up just less than 10% of the market¹  In addition to continuing to target the financial institution market segment, there are further opportunities in:  Prepaid cards – current clients include employee benefits provider & a prepaid gift card client signed in Q1 FY25  Further opportunities in insurance, gaming, government & healthcare sectors  Debit card – current client includes personal wealth management client with >500k members signed in Q2 FY25  Further opportunities include non-bank corporate lenders, embedded finance & other non-financial institutions  Change estimated debit market share2 of small financial institutions is approx.15% 1. Sourced from The Initiatives Group, Market Sizing for Vertexon – Australia & New Zealand Report 2. Excludes ATM transactions processed by Change Market Overview – Australia 19 Card based payments now dominate transaction volume in Australia 1. Sourced from RBA Data & The Initiatives Group, Market Sizing for Vertexon – Australia & New Zealand Report. FY25-FY28 Forecasts Australian Annual Transaction Volume by Type of Retail Payment1 - 5.0 10.0 15.0 20.0 25.0 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY27 FY28 Debit Card Credit Cards Australian Card Payments1 Volume (billions) - 200 400 600 800 1,000 1,200 1,400 1,600 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY27 FY28 Debit Card Credit Cards Value A$ (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.) 20 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 21 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 22  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 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. 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