EML is a global financial technology company that provides payment solutions including prepaid card programs, processing services, and digital payment capabilities. It has offices across Australia, Europe, and North America and processes over 111 million cards worldwide. EML develops customized payment programs for customers in industries such as gaming, payroll, and consumer financing to provide convenient payment and money movement services.

1. May 2019
Presentation

2. We create awesome, instant and
secure payment solutions that
connect our customers to their
customers, anytime, anywhere,
wherever money is in motion.
– 2
Our mission
EMLPayments PYMNTS.com

3. Europe
– Birmingham, England
– Dublin, Ireland
– Galway, Ireland
– Stockholm, Sweden
– 3
Australia
Head office
– Brisbane,Australia
– Melbourne,Australia
Americas
– Kansas City, USA
About us – EMLsnapshot
EML is anASX listed (ASX:EML) financial
services company specialising in prepaid
stored value products with offices in
Australia, United Kingdom, Europe and
the United States ofAmerica.
Australia One processor Rest of the world One processor
111 MillionCARDS WORLDWIDE
1,300CARD PROGRAMS
21COUNTRIES
$8.4 BillionIN GDV
EMLPayments PYMNTS.com

4. Our journey
– 4
EMLPayments PYMNTS.com

5. Customers Merchants
EMLPayments PYMNTS.com
End to End payment
processing platform
(card issuing, transaction
processing, fraud control,
settlement and reconciliation)
Information Technology
5
~$30m
Multi-currency
& Multi-lingualMULTI
LEVEL 1
PCI-DSS Level 1 compliant
Connectivity to
5 major card
schemes
Over ~$30m invested
in our platforms to date30% of staff are
IT based
Regulatory and compliance
across the globe
236 200
Issuing bank agreements
Compliance with
regulatory authorities21
Abiding by over
52 regulations / laws9
5Major
licences
AFSL (Australia)
MasterCard membership (Australia)
BPay (Australia)
Mastercard private label issuance
(UK and Europe)
European eMoney
– 5
52
Employees
servicing
21 countries
People
Over 200+ years prepaid experience
in group leadership team
2 In-house, prepaid,
processing platforms
4 Data Centres
End to end

6. A uniquedifference
AGILE
Being quick and responsive
Bespoke solutions
Prepaid specialists
GLOBAL
PARTNERSHIPS Local
team networks
High level system
integrations
Long-term exclusive
contracts
Major brands have
benefited in multiple
market roll outs and
avoided needless third
party integrations.
TAILORED
White labeled customised
offering
Merchant restrictions RAN
Transactions delegation
authority
Self Issuance
Commercial model
OPERATIONAL
EXECUTION
Diligence and commitment
to local support
Full end to end
solution comprising
issuing, processing,
fraud monitoring,
treasury, regulatory,
customer support and
account management
INNOVATION
– 6
Constantly evolving
product suite aimed
at eliminating friction
points by being quick
and responsive
EMLPayments PYMNTS.com

7. Proactive vs Reactive

8. – 8
Financing Solutions
— Managing Risk
— Controlling Spend
— Responsible Lending

9. Hybrid credit/
prepaid card
– 9
Real time load
and
settlement
Instabank
Instabank is a challenger bank operating in the Nordic
consumer finance space offering flexible hybrid loan
products to consumers.
The Instapay card is a Reloadable Mastercard
Branded Card issued by EMLwhile Instabank
holds the credit loan balance on record.
The Instapay card is a game changer for Instabank as
it makes instant access to funds possible – previous
mechanisms for access to funds were limited toACH.
Customers can instantly access credit on the go
from Instabank at POS, online or ATM. (anywhere
Mastercard is accepted)
Customers experience a seamless transaction
that moves funds in real- time via EML’s Delegated
Authorization WebservicesAPI to the Instapay card
from the Instabank Flexible Loan balance.
Instabank is a registered bank regulated by
the Norwegian FSA.
Consumer finance with
delegated authorisations
Delegated
authorisation
EMLPayments PYMNTS.com

10. Consumer
Finance / Trade
Finance
– 10
P2P lending
EML’s innovative solution
EMLprovide a revolutionary hybrid credit / prepaid GPR chip and PIN
contactless Mastercard to lending companies. Customers can instantly
access their credit line in real time for POS,ATM and online purchases.
Transaction authorisation is delegated to the lender who approves
/declines the transaction depending on whether the consumer has
sufficient available credit.
The customer’s card is loaded in real time and settled for each
transaction.
Consumer finance with
delegated authorisations
Buy Now
Pay Later
EMLPayments PYMNTS.com

11. – 11
Gaming Solutions
Cardholder Benefits
— InstantAccess to Winnings
— Anonymity
Gaming Partner Benefits
— Increased lifetime customer value
— Increased Engagement
• 43% of withdraws sent back to
gaming account within 1.5 days

12. Reloadable cards for the sportsbetting
segment continue to scaleglobally
– 12
Europe
Estimated size of the online gaming
market in the UK is $38 Billion
Australia
Estimated size of the online
gaming market is $12 Billion
Americas
Estimated size of the online
gaming market is $90 Billion
EMLPayments PYMNTS.com

13. GPR card
launched in
Australia in
2015
– 13
GPR card
launched in UK
in 2016
Contract signed
to launch GPR in
card in the USA
(NJ) in June 2019
bet365
bet365 Group Ltd is a British online gambling
company based in the United Kingdom. bet365
has more than 35 million customers globally. The
Group employs around 4,300 people.
Products with international appeal
EMLPayments PYMNTS.com

14. Leveraged
relationships
and technology
developed in
Australia to expand
to
the USA
– 14
Built acquiring
solution got
program
approval within
90 days
EML helped
ease
expansion into
the USA(NJ)
PointsBet
PointsBet is a newAustralian and United States online
corporate bookmaker, offering traditional fixed odds
markets (Sports & Racing) as well as the world’s most
exciting sports betting format, Spread Betting. EML
provides PointsBet with a branded reloadable winnings
card for their customers, that also allows their customers to
load funds to their gaming account.
Leveraging EML’s local and global capabilities
EMLPayments PYMNTS.com

15. – 15
Payroll Solution
— MultipleAccounts, 1 card

16. EML developed
a unique payroll
solution
– 16
Payroll
EMLprovide a Payroll solution for
employers (clients) and their
employees. This includes EMLissuing,
processing andprogram managing a
restricted loop schemeprogram.
EMLleveraged their innovative to
develop a superior in-house
solution to those previously offered
by the banks. The product includes
white and black merchant listing, a
proxy card drawing on multiple
funding sources and access to geo-
located merchant offers at
selected merchants.
Six major salary packagingAustralia
companies were integrated to the
solution and were commercially live
in just four months.
EMLAustralia has now secured over
60% of the salary packaging prepaid
card market, by the end ofApril 2019
we’ll have 155,000 accounts doing
$1.25b in GDV.
6 companies
went live with
the solution in
4 months
FY19:
155,000 benefit
accounts loaded
per month,
~$1.25 billion
GDV
Multiple Accounts, 1 card
EMLPayments PYMNTS.com
EML developed and implemented a superior
solution

17. Salary Packaging
Proxy Card
Back to back
funding sources
White listing and
Black listing
Account 1
$40.00
Account 2
$60.00
– 17
Remaining
balance
$0.00
Remaining
balance
$500.00
$100 Transaction Mobile wallet
solution
Multiple Accounts, 1 card
EMLPayments PYMNTS.com

18. 01
Save with ease – Select anoffer
Merchant Coalition
– 17
EMLPayments PYMNTS.com
02
Select
Voucher
03
View Voucher
Details
Notification
received
Complete
payment
Instant
savings
04
Enter Billing
Information
05
Virtual Voucherrec’d
live and ready to use
02
Automatically
logged into
Frequent Values
03
Select
Category
04
View offer
Details
05
Redeem Offer
03
Use your Salary PackagingCard
at participating Merchants totake
advantage of the offer
The Merchant will ring through the transaction and the
discount will automatically be applied. There is no need to
show or ask the merchant to do anything. Your receipt will
reflect the full purchase amount. Your account will reflect
the reduced total taking into account the discount.
02
View the different
offers available in
App and in your
LocalArea

19. The Pays
– 19
— Instant Rewards & Incentives
EMLPayments PYMNTS.com

20. EMLPayments PYMNTS.com
– 20

21. First to market
with a Pays
enabled mobile
single load card
– 21
Digital capabilities for digital businesses
EMLspent 12 months developing the capability
to provision digital only Mastercard cards to
phones usingApple Pay, Google Pay and
Samsung Pay.At the time of launch this was a
world first.
More than 40%
of card
transactions in
the UK are
contactless
Leveraging EML’s market leading
digital payments capability
EMLPayments PYMNTS.com
95% of
transaction in
Australia are
contactless

22. A truly global
company
– 22
EMLPayments PYMNTS.com

23. – 23
Brands who trustus
EMLPayments PYMNTS.com

24. M&A
– 24
— EBITApositive
— New Geography
— Scalability
— We can add our reloadable technology to
their platform, we can add their
technology to our platform
EMLPayments PYMNTS.com

25. – 25
The payments industryis a
highly acquisitiveone
Payments / Cards,
Loyalty and eCommerce
Solutions.
Timeline of Selected FT
Partners Payments
Processing Transactions.
FT Partners has a history
of the executing on some of
the most ground breaking
payments transactions in
the last decade+
EMLPayments PYMNTS.com

26. Thank you
Level 12, 333Ann Street
Brisbane City, QLD 4000
Telephone: (61) 7 3557 1100
emlpayments.com
Tom Cregan.
Managing Director and
Chief Executive Officer
tcregan@emlpayments.com.au
M +61 488 041 910