For personal use only Investor Presentation ~ Singapore March 2018
Disclaimer For personal use only This presentation prepared by Peppermint Innovation Limited (Company) does not contain all the information that a prospective investor may require in connection with any potential investment in the Company and you should not read the presentation or any information in connection with it, as financial advice, financial product advice or advice relating to investment, taxation or legal matters. Nothing in this material should be construed as an offer to sell or a solicitation of an offer to buy securities. It does not include all available information and should not be used in isolation as a basis to invest in the Company. All statements, other than those of historical fact, which address activities, events, outcomes, results, developments, performance or achievements that Peppermint Innovation anticipates or expects may or will occur in the future (in whole or in part) should be considered forward-looking information. In some cases, forward-looking information is identified by the use of terms and phrases such as “anticipate”, “believe”, “could”, “estimate”, “expect”, “intend”, “may”, “plan”, “predict”, “project”, “will”, “would”, and similar terms and phrases, including references to assumptions. Such information may involve, but is not limited to, comments with respect to expectations, planned operations or future actions. These forward- looking statements are based on currently available information as of the date of this presentation but are subject to known and unknown risks, uncertainties and other factors that may cause actual results, performance or achievements to be materially different from those expressed or implied by such forward-looking information. The forward-looking information contained in this presentation is expressly qualified by this cautionary statement and no representation or warranty express or implied, is made by the Company, or any of its directors, officers, employees, advisers or agents that any intentions, expectations or plans will be achieved. A number of risks, uncertainties and other factors could cause actual results to differ materially from the results discussed in the forward-looking information, including, but not limited to, the following: risks associated with reliance on key personnel; financial health of Peppermint Innovation and its related cash flows; general industry and market conditions and growth rates; legislative and regulatory developments; general economic conditions and levels of economic activity; global financial conditions; financing risks; degree of competition in the industry; risks associated with the development of projects; changes in employee relations; and control of costs and expenses. Forward-looking information reflects Peppermint Innovation’s current beliefs and is based on information currently available to Peppermint Innovation and on assumptions it believes to be reasonable. The forward-looking information is made as of the date of this presentation and Peppermint Innovation assumes no obligation to update or revise such information to reflect new events or circumstances, except as may be required by applicable law. Prospective investors should not read forward-looking information as guarantees of future performance or results and should not place undue reliance on forward-looking information. Nothing in this presentation is, or should be relied upon as, a promise or representation as to the future. 2
For personal use only Company Overview
Our Company Snapshot For personal use only Fintech targeting the mobile We provide secure bill payments, payments and remittance sector with remittance, banking, eload, reporting a proven technology platform and management services via a mobile phone and/or web tool interface Generating revenue from established International remittance business about commercial operations in the to commence commercial operations Philippines Well positioned to accelerate Deliver an innovative mobile technology commercial application, customer solution to facilitate financial inclusion and consumer convenience growth and market penetration Winner of Fintech Australia Award “The Finnie” Named one of Top 24 fintech start-ups in 2016 for Excellence in Financial Inclusion (Social by Forbes Philippines Good) 4
Our Company Security Details For personal use only ASX S AS X Symbol: l: PIL Peppermint Innovation listed in December 2015 Listed shares: 943,449,128 Performance shares Performance shares: 100,000,000 Milestone 1: Company generates cumulative revenue of $15,000,000 from operations Total ordinary shares: 943,449,128 by 20 May 2020 (50,000,000 shares) Milestone 2: Share Price: A$0.022 Company generates cumulative revenue of $50,000,000 operations by 20 May 2020 (50,000,000 shares) Market Capitalization: A$21m 5
Milestones achieved in past 12 months For personal use only JAN AN FEB FEB MAR AR SE SEPT OC OCT NOV MAR AR MAY AY UCPB new Peppermint to Australian Business Sante Barley in Strategic Investor Deal signed with Central Bank of MetroGas mobile Unit to commence commercial bank acquire Remit CHMF to automate its bill payment pilot secured to Philippines International production app delivered. Wisely payment processes commences contribute equity approves pilot Remittance business and support mobile placement at test of MyWeps operations financial services premium to market mobile remittance platform, first of its kind in the Philippines Deal signed with Deal signed with Establishment of Strategic MOU signed SUNMar to Sante Barley to Bizmoto – with Credo Investor provide mobile provide mobile Peppermint’s own confirms Lab payment platform payment platform to agent network commitment to to 14,000 plus its 200,000 strong equity agent network agent network placement at and pilot program premium to commenced market Deal signed with UCPB MyWeps 500 agent to provide Internet pilot commences Payment Gateway 6 (IPG) services platform
Creating a diversified revenue stream For personal use only Technology Development Banking Partner Revenues 1 4 Platform for Co-operative Health Mobile banking and payments Management Foundation (CHMF), platform / Fast Remittance & IPG MASS SPECC Cooperative with UCPB Development Center International Remittance Revenues 2 5 Agent Network Partner Target $50 Million Australian Business Unit / Bizmoto & Revenues RemitWisely via Non-bank and Bank Mobile payment and remittance over next 4 years delivery channels platform with Sante Barley, MyWeps, Metrogas, SunMar New Business 3 PIL Agent Network Base 6 New collaboration agreements plus Mobile payment and remittance potential acquisitions to compliment platform with Bizmoto agent & and extend Peppermint’s service distribution network offering 7
Peppermint Innovation Limited (PIL.AX) Stock price movement for the last 12 months For personal use only 8
For personal use only The Peppermint Platform ~ A Philippines Focus
Philippine Market Dynamics For personal use only 70% 103 million Population unbanked People 36% 118 % Municipalities Mobile penetration ha ve no a ccess to bank s 90% 23 Filipinos do not have a credit score Median Age 10
Life is hard For personal use only Receive salary Recharging Waiting for transport in cash mobile in outlets Lining up to pay Lining up to Borrowing from bills send money loan sharks 11
Philippines Opportunity ~ Market for a Mobile Payment Platform For personal use only Better Than Cash Alliance estimates: Valued at Filipinos make around Adults make approx. $US 74B 2.5B 64 Payments per month 1 payments per month 1 a month 1 1% of current payments are electronic - the remainder done in cash & cheque payments 2 . 1. Source: www.betterthancash.org Payments market undergoing structural shift towards mobile-based payments as smartphone penetration continues to increase. 2. Source: Ericsson South East Asia and Oceania regional Ericsson Mobility Report 12
Mobile Payments & Remittance, with non-bank partners White Label Platform For personal use only Metrogas Sante Barley MyWeps SunMar Gas delivery personnel Mobile payment platform Agents to offer mobile Agents to offer mobile to offer mobile bill will be accessible to over payment platform and payment platform in key payment services to a 200,000 local and have completed pilot test regional areas outside of 60,000 strong customer international agents of mobile remittance the National Capital base services Region 13
For personal use only Peppermint’s own agent network Utilising our own Mobile Payments and Remittance platform Bill payments, eload and, in the future, remittance services Flexibility and opportunity with in-house agent network and distribution channel Last mile delivery options for international remittance business 14
For personal use only Mobile Banking & Payments Platform, with bank partners White label platform Mobile app platform commercially proven and deployed with Metrobank, UCPB and Unionbank Evolving relationship to provide expertise and technology for Digital Banking needs and Fintech Innovations Example – recently signed a 5-year agreement to provide internet payment gateway services for UCPB customers 15
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