Ann: Appendix 4C and Quarterly Update, page-40

The best part for those wanting to get in now is that you are pretty much at ground floor (relative to the IPO share price) but at the same time coming in during an inflexion period for the company. Some of these fintech companies can be a little complicated to understand but I thought Peter did well to break down the various components of the business and the opportunities ahead - and he barely spoke about the future neobank aspect of the business.

In my opinion, the market hasn't really priced this company properly - at least compared to other companies operating in this space. So I can see the frustrations of long term holders in seeing very little to no movement in the SP (and why they would want to exit) but it will be unfortunate for them to leave at a time like this when the foundations have been set and the opportunities are clear. There's probably a reason why Peter scooped up 400,000 shares at 25c on the market back in September.