MSI PITCH DECK - POWERPOINT PRESENTATION

Anthony Cullen DD Webinar 1 November 2023

1 | WEBINAR 01

2 | WEBINAR 01

General Advice Warning This material has been issued by MSI Funds Management Limited and has been prepared for general information purposes only and must not be construed as investment advice or as an investment recommendation.

This material does not take into account your investment objectives, financial situation or particular needs. This material does not constitute an offer or inducement to engage in an investment activity nor does it form part of any offer documentation, offer or invitation to purchase, sell or subscribe for interests in the MoneySpot Investment Fund.

You should obtain and consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) and consider obtaining professional investment advice tailored to your specific circumstances before making a decision about whether to acquire, or to continue to hold, the relevant financial product. A copy of the MoneySpot Investment Fund PDS and TMD by visiting www.invest.moneyspot.com.au.

3 | WEBINAR 01

Past performance is not necessarily indicative of future results and no person guarantees the future performance of the MoneySpot Investment Fund, the amount or timing of any return, the performance of assets, the implementation of the investment strategy or that the Targeted Returns will be met.

No representation or warranty is made with respect to the accuracy or completeness of any of the information contained in this material. This material may contain 'forward-looking statements'. Actual events or results or the actual performance of the MoneySpot Investment Fund may differ materially from those reported here.

MSI Funds Management Limited will not be responsible or liable for any losses arising from your use or reliance upon any part of the information contained in this material.

The Loan Pool

MoneySpot Investment Fund ARSN 616 929 849 AFSL 491 268 ACL 450 305 Registered MIS Retail and Wholesale Invest.moneyspot.com.au PDS and online application

4 | WEBINAR 01

MoneySpot Investment Fund We Lend You Invest Marketplace Lending is what we do It’s about lending small amounts to people

who want money quickly, at interest.

The money we loan to people comes from investors Moneyspot Investment Fund gives you exposure to the high returns that consumer loans can generate.

5 | WEBINAR 01

MoneySpot Investment Fund The Fund invests in Unsecured Loan Notes issued by Moneyspot Finance Moneyspot Finance in turn lends

money to consumers - small amounts over short time frames Moneyspot Finance has significant coverage in meeting its obligations to the Fund

6 | WEBINAR 01

What is our Investment Strategy?

7 | WEBINAR 01

One Trick Pony We do what we do and do it well Continue to invest in Consumer Credit business – Moneyspot Finance Small and Medium Credit Contracts, spread over a large and diverse customer base Efficient technology Risk mitigation Multiple jurisdictions Currency risk to international markets absorbed by the operating business Investments are 100% AUD transacted

The Founder- David Trew First National Bank of Chicago – FX Dealer 1/1996 – 5/1998 Republic National Bank of New York Bullion Dealer 1/1994 -1/1996

David is a co-founder of Moneyspot. David brings his vast experience in financial services and business management to successfully managing Moneyspot on a day-to-day basis.

CMC Markets ANZ- MD ANZ 5/1998 – 12/2008

City Index Australia-MD Asia Pacific 10/2009-5/2012

CMC Markets pioneered online derivative trading to retail and institutional investors.

City Index provides online trading services to retail clients and white label wholesale services through intermediaries.

David was Director of Trading based in London until 2002, when he was tasked with establishing CMC’s first overseas office in Sydney. David led the CMC Market ANZ from start-up to a successful operation of 350+ staff across six country, contributing 40% of the group’s revenue.

8 | WEBINAR 01

Moneyspot Investment Fund Moneyspot Finance – Executive Director 2013-current

David was responsible for a turn-around in profitability in the Asia Pacific business through increased revenues and reduced overheads.

David was promoted to Global Head of Sales based in London, before leaving the group to return to Australia in 2012.

MoneySpot Investment Fund ARSN 616 929 849 Portfolio of 150,000+ consumer loans

Pool of 400,000+ live customers

Managed by accredited staff using detailed assessment criteria

9 | WEBINAR 01

01 04

Established May 2017

05

Independently administered

by One Investment Group and Perpetual Corporate Trustees

02

03

The Founder – David Spessot Andrew West Stockbroking – Head of Operations 12/1997 -12/2007

Moneyspot Investment Fund Moneyspot Finance – Executive Director 2013-current

David was a founding member of this broking firm and the 21C responsible for all operational aspects of the business. David led finance, clearing and settlement compliance, IT infrastructure and software development.

David is a co-founder of Moneyspot. David brings his vast experience in financial services and technology operations, and business management to successfully managing Moneyspot on a day-to-day basis.

Andrew West Stockbroking was acquired by CMC Markets in 2008

Investorsfirst Limited (now known as Hub24) – CEO 5/2012 – 9/2012

CMC Markets ANZ – Head of Technology 10/2008 – 12/2009 Upon its acquisition of Andrew West, CMC appointed David as head of technology for its burgeoning Australian and NZ technology operations. David Trew was the CEO of CMC at the time.

10 | WEBINAR 01

MarketPlus – CEO 1/2010-12/2011 Co-founded technology-driven FX and derivatives trading firm MarketPlus that was subsequently acquired by Hub24.

Investorfrist Limited (known as Hub24 Limited) the publicly listed group that provides platform and other services to the financial services intermediaries. Following its acquisition of David’s MarketPlus technology and operations, David was appointed CEO of the ASX-listed parent company, with day-to-day management and strategic responsibility for the listed company.

Money Spot Finance – The Business Low value Consumer Credit, repaid over short time frames Multiple brands and referral channels Efficient and consistent loan application process Large scale and diverse customer base High level repeat business Efficient and effective technology for handling volume Effective recovery processes limit Non-Performing Loans Willingly compliant with all regulatory requirements International growth

11 | WEBINAR 01

A lot of small loans ADD UP… $35-$50M

advanced EVERY month

12 | WEBINAR 01

Globally average loan size is

<$1000 over 14 weeks

Multiple brands and Referral Channels/Partners

13 | WEBINAR 01

The Application Process

14 | WEBINAR 01

Technology

15 | WEBINAR 01

Technology and Process All applications on-line/ web based

Proprietary application system Proprietary analytics Robust allocation and reconciliation of payments made Robust flagging and follow-up of payments missed Customer interactions comply with regulation Secure and reliable system Human intervention if required Operations team in Philippines

Escalation points in Australia Policy is driven by regulatory requirements in each operating jurisdiction (by License)

16 | WEBINAR 01

A lot of applications and approvals 250,000 complete applications each month That’s a lot of credit assessments and credit reports!

Up to 50,000 individual customers borrow each month

Every customer has had their income and expenses assessed to make sure they can afford the repayments There must be zero credit defaults >$300 last 2 years, judgements or bankruptcies All applicants are matched against a proprietary database for fraud 17 | WEBINAR 01

Our Consumer Credit Customers A LOT of Customers…

150,000+

customers repaying loans at any given time

18 | WEBINAR 01

400,000+

customers active each year (borrowed in the year)

Average Customer in Australia The most recent 90 days of bank transaction data for the applicant’s income account is required to show regular income.

The average customer income

$70,000 per annum The average customer repayment is $150

19 | WEBINAR 01

Australian Loan Book Demographics Western Australia 13%

50+ 6%

Australia Capital Territory Q1% 41-50 14% New South Wales 32%

22-28 39%

Victoria 24%

Tasmania 1% South Australia 5%

35-40 15%

Northern Territory 2%

Queensland 22%

29-34 26%

Two thirds of our customers are 35 or under, split evenly between male and female, and mainly live in the Eastern States 20 | WEBINAR 01

Our customers COME BACK… OVER 80% of approved customers are RETURN customers Mostly use the money to cover temporary shortfall when managing other fixed expenditure Broad appeal - we are on-line and readily accessible. Apps on Google Play and Apple Store Application processes are automated and analytic Less “feel” more fact- based assessment

21 | WEBINAR 01

A lot of customers COME BACK…

Our customers COME BACK… In Australia, the average customer borrows from us TWICE a year Our customers are time poor and technology savvy Our service is fast, efficient, consistent and simple to use Our customers are prepared to pay a premium for what they see as a superior offering

22 | WEBINAR 01

United States Pop.

330M Philippines Operations India Operations

MoneySpot Finance Locations

23 | WEBINAR 01

Sydney – HO South Africa Pop.

59M

Aus. Pop.

25M

The Loan Pool 100% Online Mainly via Smartphone

7.48%

AU Default rate

+400,000

+250,000

Number of active customers

applications per month

+80%

+$1,006m

Repeat customers per month

Funds lent since inception

4% per month

+1,011m

Loans issued since inception

Automated credit assessment & repayments

24 | WEBINAR 01

USA Market

USA

The snapshot now

13 Licenses operational 16 Licenses approved 2 pending approval Major states approved;

Florida, California and Texas 25 | WEBINAR 01

Moneyspot Finance – Strength of Loan Book The interest rate 4% per month + $400 establishment fee Average Loan repays in 16 weeks Loan portfolio turns over 3.25 times per year Net Interest Margin (NIM) – 80%+

Significant coverage to ensure payment of coupon rates

26 | WEBINAR 01

Moneyspot Finance – The Loan Book Moneyspot Investment Fund Monthly Snapshot of Moneyspot Finance Loan Book Loan Book

Jul-22

Aug-22

Sep-22

Oct-22

Nov-22

Dec-22

Jan-23

Feb-23

Mar-23

Apr-23 May-23

Jun-23

Jul-23 Aug-23

Loans issued to date

681,833

705,361

730,151

755,096

781,595

811,693

837,711

866,122

892,664

915,294

941,186

959,468

975,336

993,485

1,011,000

Funds lent to date $000's

547,587

573,259

600,610

627,418

656,109

690,803

719,930

760,394

797,301

830,962

872,552

909,204

936,009

965,950

1,006,000

Average Loan size $

1,029

1,048

1,068

1,084

1,090

1,102

1,106

1,164

1,210

1,271

1,356

1,478

1,488

1,613

1,748

Loan Duration app months

2-3

2-3

2-3

2-3

2-3

2-3

2-3

2-3

2-3

2-3

2-3

3-6

3-6

3-6

3-6

Non-performing loans

7.06%

6.85%

6.69%

6.58%

6.59%

6.52%

6.50%

6.58%

6.57%

6.61%

6.70%

6.80%

6.97%

7.23%

7.48%

Loan book continues to achieve month on month and year on year growth Average loan size increasing in Australia with change from SACC to MACC in June 2023 Business yields significantly greater than coupon rate for the issued notes NIM for the business exceeds 80%+ Clearance rates for DD payments in Australia exceed 90% on due date Non-performing Loans have had ZERO impact on paying coupon rate on Notes since inception 27 | WEBINAR 01

Sep-23

28 | WEBINAR 01

29 | WEBINAR 01 Return Target

Aug-23

Jun-23

Apr-23

Feb-23

Dec-22

Oct-22

Aug-22

Jun-22

Apr-22

Feb-22

Dec-21

Oct-21

Aug-21

Jun-21

Apr-21

Feb-21

Dec-20

Oct-20

Aug-20

Jun-20

Apr-20

Feb-20

Dec-19

Oct-19

Aug-19

Jun-19

Apr-19

Feb-19

Dec-18

Oct-18

Aug-18

Jun-18

Apr-18

Feb-18

Dec-17

Oct-17

Aug-17

Jun-17

Moneyspot Investment Fund - Performance eAnnualised Fund Performance since inception

14.0%

13.0%

12.8%

12.0%

11.0%

10.0%

9.0%

8.0%

7.0%

6.0%

Moneyspot Investment Fund - Performance Actual Monthly Performance - Annualised Return Units

Targeted

Minimum

Jul-22

Aug-22

Sep-22

Oct-22

Nov-22

Dec-22

Jan-23

Feb-23

Mar-23

Apr-23

May-23

Jun-23

Jul-23

Aug-23

Sep-23

Class A

12.80%

$1,000

12.84%

12.70%

12.90%

12.80%

12.80%

12.90%

13.20%

12.90%

12.90%

12.92%

12.90%

12.90%

13.00%

12.90%

12.60%

Class B

14.80%

$250,000

14.93%

14.90%

14.70%

14.80%

14.80%

14.60%

14.80%

14.90%

15.10%

14.80%

14.80%

14.80%

14.90%

14.80%

14.70%

Wholesale

20.00%

$2,500,000 20.17%

20.10%

20.10%

19.80%

20.20%

18.40%

20.20%

19.90%

20.10%

20.09%

20.10%

20.20%

20.10%

20.20%

20.01%

Fund snapshot last 5 Quarters Consistently meeting targeted returns across all classes Performance has been consistent since inception of Class A units in April 2017 Income has been paid every month since inception All Performance Reports since inception available at www.invest.moneyspot.com.au

30 | WEBINAR 01

Moneyspot Investment Fund – growth snapshot Moneyspot Investment Fund Monthly Investment Fund - FUM Units

Assets

Term

Jul-22

Aug-22

Sep-22

Oct-22

Nov-22

Dec-22

Jan-23

Feb-23

Mar-23 Apr-23 May-23

Jun-23

Jul-23

Aug-23

Sep-23

Class A

$ Million

6 months

26.6

27.3

27.5

27.9

28.4

28.6

28.8

29.2

28.5

29.0

29.0

28.9

28.8

29.4

29.6

Class B

$ Million

12 months

21.2

21.4

22.1

22.3

23.2

24.4

25.1

25.2

24.8

23.4

20.4

20.9

21.2

21.7

22.2

Wholesale

$ Million

24 months

15.0

15.0

15.0

20.0

20.0

23.1

23.2

27.1

29.2

32.7

35.1

38.9

43.7

43.9

44.6

Total FUM

$ Million

62.8

63.7

64.6

70.2

71.6

76.1

77.1

81.5

82.5

85.1

84.5

88.7

93.7

95.0

96.4

Fund has grown to $96.4M as at end of September 2023 Redemption offers are made to investors on the anniversary of their respective investment term (6, 12 or 24 months)

All redemptions requests have been met by the Fund since inception Redemption outflow is historically less than capital inflows monthly Moneyspot Finance (the note issuer) has significant free cashflow to meet maturing notes Consumer lending can be pared back if needed to meet large redemptions if required. This has never occurred.

A credit facility has been established to provide additional cover for redemptions if required. This has never occurred.

31 | WEBINAR 01

Comparative Investments FUND

Minimum $

Target

Monthly (annualised)

Redemptions

Underlying Loans

Fund size

1 year return

3 year return

MA Priority Income Fund

$10,000

RBA cash + 4.00%

8.10%

30 days' notice

Monthly

Diversified

284,482

$979M

7.78%

5.54%

LaTrobe 6-month term

$10

RBA cash + 1.50%

5.50%

6 months' notice

Monthly

Diversified

98

$125M

5.04%

N/A

Moneyspot Investment Fund

$1,000

12.80%

12.60%

6 month

Monthly

Consumer

$96.4M

13.80%

46.70%

Distributions Loan book

Statistics as at 30 Sept. 2023 RBA cash rate at 30 Sept. 2023

4.10%

Comparison Funds are credit funds with diversified secured loan books with good performance records Mismatch between money borrowed and money lent – loan terms significantly longer than investment terms MoneySpot loan terms are much shorter than minimum term MoneySpot returns represent a mis-priced risk

32 | WEBINAR 01

Growth Opportunities

Medium Amount Credit Contracts in Australia Organic growth

33 | WEBINAR 01

International – USA and SA 50% of collected revenue now from international markets Up from 15% 12 months ago Targeted for growth volume to exceed 50% + of loans Smaller average loan size-higher yield

Other jurisdictions that meet our investment objectives

Different Classes of Investments Class A

Class B

Class C

12.8%

14.8%

20.0%

6 months

12 months

2 years

Investor Qualification

Retail

Retail

Wholesale Only

Applications

Weekly

Weekly

Weekly

Minimum Initial Investment

$1,000

$250,000

$2,500,000

Minimum Additional Investments

$1,000

$25,000

$250,000

Minimum Investment Balance

$1,000

$250,000

$2,500,000

Minimum Redemption

$1,000

$25,000

$250,000

Distributions

Monthly

Monthly

Monthly

Targeted Return Minimum Investment Period

34 | WEBINAR 01

Bonus offer for Wholesale ONLY for this webinar Class A

Class A Bonus

Class B

Class B Bonus

Class C

12.8%

13.8%

14.8%

15.8%

20.0%

6 months

6 months

12 months

12 months

2 years

Investor Qualification

Retail

Wholesale Only

Retail

Wholesale Only

Wholesale Only

Applications

Weekly

Weekly

Weekly

Weekly

Weekly

Minimum Initial Investment

$1,000

$1,000

$250,000

$250,000

$2,500,000

Minimum Additional Investments

$1,000

$1,000

$25,000

$25,000

$250,000

Minimum Investment Balance

$1,000

$1,000

$250,000

$250,000

$2,500,000

Minimum Redemption

$1,000

$1,000

$25,000

$25,000

$250,000

Distributions

Monthly

Monthly

Monthly

Monthly

Monthly

Targeted Return

Minimum Investment Period

35 | WEBINAR 01

Registering your interest Investors must qualify as Wholesale Investors Current Accountants letter will be required

Expression of interest to be registered at www.invest.moneyspot.com.au/wholesaleoffer 36 | WEBINAR 01