Ann: Appendix 4D and Half-Year Financial Report, page-53

Great point .... Sad to see some HC members can’t see the bigger picture.... This is not about having inside information or knowledge – it is about industry knowledge and common sense….

It takes a lot more to look at volumes day-by-day to determine the success of a company. SMA will benefit from its reoccurring revenue model in the years to come - having worked with this kind of revenue model for years, I encourage SH to show optimism and further support...

Everyone needs to realise that SmartPay is very diverse application which can be used by a wide variety of industries, from train tickets to lottery tickets – the partnership with QiandaiPay is significant, a new partnership like this can bring new projects to the pipeline..... DYOR…. connect your own dots.