Stakk Ltd · ASX:SKK

Stakk — ASX Small and Mid-Cap Conference (September 2021)

22 slides from Stakk's conference presentation, Sep 14, 2021

1. Slide 1: oy) fs c G a — o tC © f= 77)

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2. Slide 2: Who are we?

   Douugh ASX Investor Presentation September 2021 Who are we? Douugh is helping everyday people autonomously manage and grow their money to live financially healthier lives. The ‘responsible’ financial super app.

3. Slide 3: Key product pillars

   Douugh ASX Investor Presentation September 2021 Key product Save pillars Spend Invest Automation Earn Borrow

4. Slide 4: Investor highlights

   Douugh ASX Investor Presentation September 2021 Investor — Capital lite, purpose-led fintech company. highlights — Disrupting the actual business model of banking - SaaS based, harnessing Open Banking. — AI-powered banking and wealth mgmt app. — Fostering financial wellness - helping customers spend

5. Slide 5: Most people in the world are financially unhealthy, particularly the U.S.

   Douugh ASX Investor Presentation September 2021 Most people in the world are financially unhealthy, particularly the U.S. 100% 0% Debt Savings Investments

6. Slide 6: Americans considered financially unhealthy statistics

   Douugh ASX Investor Presentation September 2021 57% of Americans are considered 175M are not highly satisfied with their 43% say that finances cause financially unhealthy - that's 138M!1 present financial situation. 4 them significant stress.7 45% spend up to half of their 47% can't cover a $400 inc

7. Slide 7: Our U.S. revenue opportunity

   Douugh ASX Investor Presentation September 2021 Our U.S. revenue opportunity. $200B + $10B + $42B Spend1 Advice2 Save3,4 = $250+ Billion dollar revenue pool 1: Nilson, Federal Reserve, U.S. Census Bureau, ValuePenguin; estimated 2019 debit and credit card interchange fees plus estimated revenue oppo

8. Slide 8: We're building the future of banking.

   Douugh ASX Investor Presentation September 2021 We're building the future Automation of banking. Banking Investing

9. Slide 9: Our timeline.

   Douugh ASX Investor Presentation September 2021 Our FY21 - laying the foundations • ASX listing in October • Hiring of expanded engineering and operational team timeline. • Launching of MVP in November • Test, Learn, Optimisation • Expansion of key features FY22 - the year of growth • Razor focus on

10. Slide 10: Helping customers spend smarter, save more, and build wealth.

    Douugh ASX Investor Presentation September 2021 Helping customers spend smarter, save more, and build wealth.

11. Slide 11: Opportunity to diversify into multiple revenue sources over time

    Douugh ASX Investor Presentation September 2021 Douugh has the opportunity to diversify into multiple different revenue sources over time by becoming a platform business and financial control centre for customers - consumers and SME’s Now Future • Interchange • Net interest margin • Banking fees • C

12. Slide 12: Growth in members.

    Douugh ASX Investor Presentation September 2021 Growth in members. Consolidated registered customer growth across US & AU since the Douugh USA launch. Acquisition paused in Q4 in the US.

13. Slide 13: Growth in deposits.

    Douugh ASX Investor Presentation September 2021 Growth in deposits. Consolidated accumulated cash deposits in the US & AU. This is a reflection of customer engagement, AU revenue is driven off deposits converted into USD to trade US securities.

14. Slide 14: Saving trends.

    Douugh ASX Investor Presentation September 2021 Xmas Saving House trends. Fun Car Gifts Savings Rent Taxes Vacation Groceries Gas

15. Slide 15: Growth in card spend.

    Douugh ASX Investor Presentation September 2021 Growth in card spend. Accumulated card spend, an indicator of US customer engagement and the driver of interchange revenue, which currently makes up 75% of Douugh’s income in the US prior to the introduction of the monthly membership fee.

16. Slide 16: Growth in FUM.

    Douugh ASX Investor Presentation September 2021 Growth in FUM. Funds under management is the total amount of $ invested on the Douugh platform. A key indicator of customer engagement.

17. Slide 17: Growth in user Investment Jars

    Douugh ASX Investor Presentation September 2021 Growth in user 2% 5% 8% Investment Jars 15% 16% 20% 16% Sustainable Core/Traditional 20% 29% Conservative Conservative Moderate Moderate 40% 31% Aggressive Aggressive iOS Android

18. Slide 18: Enhancing with feedback.

    Douugh ASX Investor Presentation September 2021 Enhancing with feedback.

19. Slide 19: Commission-free share investing.

    Douugh ASX Investor Presentation September 2021 Commission-free share investing. The introduction of the Douugh brand in AU market. Relaunch supported with a new FX based commercial agreement allowing to offer commission free brokerage.

20. Slide 20: Buy now pay later. Meet the Credit Jar

    Douugh ASX Investor Presentation September 2021 Buy now pay later. Meet the Credit Jar Douugh and Humm are finalising the commercial framework and product spec with a U.S. originating bank to launch a card linked, credit score building BNPL everywhere feature.

21. Slide 21: Key expansion markets.

    Douugh ASX Investor Presentation September 2021 Key expansion markets. USA Australia UK Europe Canada New Zealand

22. Slide 22: Help us reinvent banking.

    Douugh ASX Investor Presentation September 2021 Help us reinvent banking. We’re on a mission to change people’s relationship with money for the better. Invest and grow with us as we continue to redefine what it means to live financially healthier. Andy Taylor Founder & CEO info@douugh.com Disclaimer

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