Investor Update13 March 2017

For

per

sona

l use

onl

y

ChimpChange Limited

Disclaimer

IMPORTANTNOTICEThispresentationhasbeenpreparedbyChimpChange Limited(ChimpChange)ingoodfaith.Noexpressorimpliedwarrantyisgivenastotheaccuracyorcompletenessoftheinformationinthisdocumentortheaccompanyingpresentation.Allstatutoryrepresentationsandwarrantiesareexcluded,and anyliabilityinnegligenceisexcluded,inbothcasestothefullestextentpermittedbylaw.Noresponsibilityisassumedforanyreliancebyanypersononthisdocumentor theaccompanyingpresentation.

SummaryinformationTheinformationcontainedinthispresentationisasummaryoverviewofthecurrentactivitiesofChimpChange.Thispresentationdoesnotpurporttobeallinclusiveortocontainalltheinformationthataprospectiveinvestormayrequireinevaluatingapossibleinvestment.Thispresentationis forgeneralinformationpurposesandisnotintendedtobeanddoesnotconstituteaprospectus,productdisclosurestatement,pathfinderdocumentorotherdisclosuredocumentforthepurposesoftheCorporationsActandhasnotbeen,andisnotrequiredtobe,lodgedwiththeAustralianSecurities&InvestmentsCommission.ThispresentationshouldbereadinconjunctionwithallotherperiodicandcontinuousdisclosureannouncementslodgedbyChimpChange withtheAustralianSecuritiesExchange,availableatwww.asx.com.au.

NotfinancialproductadviceThematerialcontainedinthispresentationisnot,andshouldnotbeconsideredas,financialproductorinvestmentadvice.Thispresentationisnotanoffer,invitationorrecommendationtoacquireNewShares,anddoesnottakeintoaccounttheinvestmentobjectives,financialsituationorparticularneedsofanyparticularinvestor.YoumustmakeyourownindependentassessmentandreviewofChimpChange,andtheinformationcontained,orreferredto,inthispresentation,includingitsfinancialcondition,assetsandliabilities,financialposition,profitsandlosses,prospectsandbusinessaffairs,includingthemeritsandrisksinvolved.Nothinginthispresentationconstitutesinvestment,legal,taxorotheradvice.Youshouldseeklegal,financial,tax andotheradviceappropriateforyourjurisdiction.

PastandfutureperformanceThispresentationcontainsinformationastopastperformanceofChimpChange.Suchinformationisgivenforillustrativepurposesonly,andisnot– andshouldnotberelieduponas– anindicationoffutureperformanceofChimpChange.Thehistoricalinformationinthispresentationis,orisbasedupon,informationcontainedinpreviousannouncementsmadebyChimpChange tothemarket.Theseannouncementsareavailableatwww.asx.com.au.Thispresentationcontainscertain“forwardlookingstatements”.Forwardlookingwordssuchas“expect”,“should”,“could”,“may”,“will”,“believe”,“forecast”,“estimate”andothersimilarexpressionsareintendedtoidentifyforward-lookingstatements.Suchstatementsaresubjecttovariousknownandunknownrisks,uncertaintiesandotherfactorsthatareinsomecasesbeyondChimpChange’s control.Theserisks,uncertaintiesandfactorsmaycauseactualresults,performanceorachievementstodiffermateriallyfromthoseexpressedorimpliedbytheforward-lookingstatementsandfrompastresults,performanceorachievements.ChimpChangecannotgiveanyassuranceorguaranteethattheassumptionsuponwhichmanagementbaseditsforward-lookingstatementswillprovetobecorrectorexhaustivebeyondthedateofitsmaking,orthatChimpChange’s businessandoperationswillnotbeaffectedbyotherfactorsnotcurrentlyforeseeablebymanagementorbeyonditscontrol.Suchforward-lookingstatementsonlyspeakasatthedateofthisannouncementandChimpChange assumesnoobligationtoupdatesuchinformation.

MARCH2017

2F

or p

erso

nal u

se o

nly

ChimpChange Limited

Who we are

MARCH2017

ChimpChangeisaninnovativeeverydayretailbankaccount,includingadebitMasterCard.

ChimpChangeaccountsallowdirectdeposits,cashloads,checkloads,ATMwithdrawalsandprovidesanumberofPersonalFinancialManagement(PFM)

insightsintocustomerspending.

ChimpChangeisUSfacing,withenormousscalability.

3F

or p

erso

nal u

se o

nly

ChimpChange Limited

Our Value PropositionCapitalizing on an Outdated Model and Evolving Landscape

1.WEAREFREE 2.WEAREBETTERTHANYOURBANK

TraditionalU.S.bankingcustomers

>50%Bankingcustomersstillpaymonthlyaccount

andotherfees

$10-$25/mo.Accountmaintenancefeeswhenminimumbalances/deposits

aren’tmet

~$260/yr.Paidinoverdraftor

insufficientfundsfees

~67MPeopleupsetwithhighfeesandwillingtoleavetheirbank

AestheticallyFriendly

Beautifulvisualsshowingtransactionhistory,auto-

categorizedpurchases,notes,andmore

ModernUIInstantcheckclearingwithyour

smartphone’scamera,sendmoneytofriendsfree,andPFMtools

FREEAccount,debitcard,ATMnetwork,cash

loadnetworkandgreatcustomersupport

MARCH2017

4F

or p

erso

nal u

se o

nly

ChimpChange Limited

Market Opportunity U.S. Population

Marketingfocusedontargetinghighvaluecustomersanduntappedpopulations

50%U.S.Millennials

Countingontechstart-upstooverhaulthewaybankswork

91MU.S.PopulationUnbankedandUnderbanked35%ofMillennialsareeitherunbankedor

underbanked

92MU.S.Millennials

LargestgenerationinU.S.historymakingup25%oftheU.S.

population

37%U.S.Millennials

Considerdebitcardstobethemostconvenientpaymentmethod

All4LeadingU.S.banks

Areamongthetenleastlovedbrandsbymillennials

>50%U.S.BankingCustomers

Stillpaymonthlyandotherfees

71%U.S.Millennials

Wouldrathergotothedentistthanlistentowhatbanksaresaying

MARCH2017

5F

or p

erso

nal u

se o

nly

ChimpChange Limited

Value Proposition – Key HighlightsValue Lies in Strength of the Business Model

PositiveGrossMarginWhenacustomerspends$50/mo.withoutchargingfees

CapitalLight,ScalableBusiness

ExplosiveGrowthOpportunityTargetingU.S.millennialsandotherpreviouslyuntappedmarketswithconcreteavenuesforincreasedmonetization

InnovativeTechnologyModernapproachtobankingthatcomplementsarapidlygrowingcustomerbase

MARCH2017

6F

or p

erso

nal u

se o

nly

ChimpChange Limited

The digital banking transformation has begun

• Substantialinvestmentfromventurecapitalandearlybank-ledacquisitionactivityhascommenced

• Whilerapidlyevolvingglobally,theUSindependentdigitalbankingsegmentremainsinitsinfancyandtherearefewerplayersintheUSmarketduetohigherbarrierstoentry

• SimplewasacquiredforUS$117millionwith100,000totalcustomers

• Zenbanx wasacquiredforUS$100million

• BankMobile wasacquiredforUS$175million

• AtomBankraisedatapre-launchvaluationofUS$185millionandrecentlyraisedUS$102millionataUS$320millionvaluationwithapproximately14,000customers

UnitedStates EuropeDIGITALBANKINGPEERS

MARCH2017

7F

or p

erso

nal u

se o

nly

ChimpChange Limited

Targeted customer acquisitionAttracting High-Value Customers Lowers Acquisition Costs

CUSTOMERACCOUNTS CUSTOMERACQUISITIONCHANNELS

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17

CumulativeAccounts

Organic25%

Facebook54%

Instagram12%

GoogleSearch6%

Other3%

Organic Facebook Instagram GoogleSearch Other

Marketinghasbeenfocusedontargetinghighvaluecustomersandoptimizingforefficiencyresultinginlowercostofcustomeracquisition

Facebook,Instagram,GoogleSearchandOtherarepaidmediachannels.Organicaccountsforallotherregistrationsthatarenotfrompaidmediachannels.

MARCH2017

Upfrom21%OrganicinDecember

2016

Note:Excludescustomersontheplatformwithoutaregistereddebitcard

8F

or p

erso

nal u

se o

nly

ChimpChange Limited

Customer Relationship ManagementOmni-channel communications strategy

MARCH2017

9

MultipletouchpointsIn-appmessages,pushnotifications,SMS,email,cardcollateral,customerservice

DrivepostacquisitionactivityCommunicationtoincreaseactivityincludingdeposits,cardactivation,purchases,referringfriends

OptimizecampaignsA/Btestdifferentmessagesandcommunicationstrategies,trackingconversionsofpostacquisitionactivityF

or p

erso

nal u

se o

nly

ChimpChange Limited

Stimulating activity in the customer baseImproving Total Transactional Volume (TTV) month-over-month

$500,000

$1,500,000

$2,500,000

$3,500,000

$4,500,000

$5,500,000

$6,500,000

$7,500,000

$8,500,000

$9,500,000

$10,500,000

Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17

MONTHLYTTV

3%↑

71%↑21%↑

32%↑

$150MAnnualizedTTV

$1M1

Grossrevenue

Driving

December2016

$0.34MGrossrevenue

Medium-TermTarget$14M1

Grossrevenue$2B

AnnualizedTTV

1ExcludingLoanProducts

Near-TermTarget

Drives

Driving

MARCH2017

42%↑ 5%↑

February85%↑

$56MAnnualizedTTV

10

$110millionFebruaryAnnualizedTTV

For

per

sona

l use

onl

y

ChimpChange Limited

$300,000

$800,000

$1,300,000

$1,800,000

$2,300,000

$2,800,000

$3,300,000

Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17

Stimulating activity in the customer baseImproving deposit process improves customer usage

TOTALDEPOSITSBYMONTH TOTALCUSTOMERCARDPURCHASES

$300,000

$800,000

$1,300,000

$1,800,000

$2,300,000

$2,800,000

$3,300,000

$3,800,000

$4,300,000

$4,800,000

$5,300,000

Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17

We’veaddednewchannelstoloadfundsontocustomers’cardsandmadeiteasiertouseourdebitMasterCardatretailers

35%CompoundMonthlyGrowth

Rate

35%CompoundMonthlyGrowth

Rate

February98%↑

MARCH2017

February64%↑

11F

or p

erso

nal u

se o

nly

ChimpChange Limited

Where we are going

MARCH2017

ImprovingKPIs Rolloutofsavingsandroundupfeature

Futurerolloutofnewproductsandfeatures

Build in-houseinterbanktransfercapabilities

Foreignexchange

Loanproducts

Rewards

1H2017 1H2017 2018+

RevenueperCustomer

ActivityperCustomer

CostofAcquiringCustomers

12F

or p

erso

nal u

se o

nly

ChimpChange Limited

Corporate OverviewHISTORICALSHAREPRICE

$0.45

$0.50

$0.55

$0.60

$0.65

$0.70

$0.75

$0.80

$0.85

Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17

CAPITALSTRUCTURE

SharePrice (asat10Mar2017) A$0.82

SharesonIssue 63,481,383

MarketCapitalization US$39.8mm

CashatBank(28Feb2017) US$5.4mm

Enterprise Value US$34.4mm

LEGAL

WilsonSonsini Goodrich&Rosati

BairdHolm,LLP

HopgoodGanim Lawyers

SHAREHOLDERS

Ashley Shilkin 18.75%

AvatarIndustriesPtyLtd 16.95%

Bart PropertiesPtyLtd 4.81%

Nareenen PtyLtd 4.21%

AltorPrivateEquityPtyLtd 3.04%

TotalTop20 62.81%

TICKER

ASX:CCA

Note:AUD/USD0.765

MARCH2017

13F

or p

erso

nal u

se o

nly

ChimpChange Limited

Menmygfandfamilyusethesecardstobouncemoneybacknforthandit'sPERFECTalsocandeposit

checksfrommyjobinminswithjustapiclovethiscard

Testimonials

SuperConsideringtheaveragecosttohaveasolid

bank,thefeesandcustomerserviceisexcellent.Icandoeverythingfrommylocationandwithmytechnology.Notransportationcost,ortraveltimespentbankinganymore,wellworththe

app.

Awesomecard

Changeinthewayyoucansavemoney

Ifapersonneedstosavemoneyandhaveitatthetipoftherefingertipsthisistheapp.iftheyneedtogettheremoneyacoupledaysearlierthisistheapp.itsfastandeasytousesodownloaditgiveashotyoujustmightbesurprized howmuchyouwilllikeit.godblesseveryonethankstochimpchangebank.

byScottyM.

crazygood!!

4=real

byNickS.

byAndroidUser

Lovethisapp!

Bestbank!

byNickszrtbyAntonioM.

i lovethisappitseasytouseandi dont havetowaitinlingbank

lines

byJanuaryS.

MARCH2017

14F

or p

erso

nal u

se o

nly

ChimpChange Limited

NickRoberts- CMOFormerCMOofAcorns,ahighlysuccessfulFinTech company,hehelpedattractmorethan1millionmembersinitsfirstyear.20yearsofdigitalmarketingexperience.

ManagementClaytonFossett- COOFormerexecutiveatYahoo!inoperationsfinance(10years).FormerlyFirstBostonandholdsaMBAfromHarvardUniversity.

TomRussell- VPProduct&OperationsTomhascorporatefinanceandoperationsexperiencewithafocusongrowthandventurecompanies.HeholdsaBachelorofCommerceandBachelorofEconomics.

YoungLee- CFOFormerSeniorManageratDeloitteinNewYork(10years)focusingonthefinancialservicesindustryspecializinginfinancialoptimizationstrategies.CPAholdingaMacc andaBachelorofEconomicsfromtheUniversityofMichigan.

MuhammadTahir- VPEngineeringMuhammadholdsaMastersinComputerScienceandhasover12yearsofexperiencedevelopingenterpriselevelsoftwareapplicationsandmanagingengineeringteams.

MARCH2017

AryanLiaghat- CustomerSupportManagerAryanhas10yearstechcustomerserviceexperiencestartingwithApplefollowedbytwoSiliconValleybasedYCombinator startups.

15F

or p

erso

nal u

se o

nly

ChimpChange Limited

AshShilkin– ManagingDirectorAshwastheformerCFOofCO2Australia,acompanylistedontheASX,andhelpedthecompanygrowtoamarketcapitalizationofmorethan$300million.HeholdsaMastersofCommercialLawandBachelorofCommerce.

Board

PeterClare- ChairmanFormerChiefExecutiveOfficerofWestpacNewZealandLimitedfrom2012to2014.WestpacBankingCorporationLimited2008to2014.20yearsExecutivebankingexperience.

TeresaClarke– DirectorFormerManagingDirectoratGoldmanSachs&Co(12yrs),HarvardMBA&HarvardLawSchoolgraduate.FounderandCEOofAfrica.com.FormermemberofPresidentObama’sAdvisoryCouncil.

BenHarrison- DirectorBenhas10years’experienceadvisingandinvestingincompanies.HepreviouslyworkedforaleadingmidcapcorporateadvisoryhousewhereheexecutedcapitalmarketandM&Atransactions.

IanLeijer- DirectorIanisaCharteredAccountantwithover25years’experienceincorporatefinance,strategyandbusinessmanagement.HewaspreviouslyCFOofformerASXlistedcompanyAvatarIndustries.

MARCH2017

16F

or p

erso

nal u

se o

nly

from the whole ChimpChange team

ThanksF

or p

erso

nal u

se o

nly