Ann: Commnetary about March 2019 Appendix 4E, page-3

LOTS of positives here. Sleeping giant about to awaken.IMHO.

* Currently $16m market cap with approx $14m in retained earnings.
* $3.1m turn around in 12 months under new management and structural loan book changes.
* Less than 1% loan default rate.
* Controlled cost base with room for expansion.
* Solid margin due the ability to access deposits directly and not rely on bankers.
* Return to profitability after reverse merger and associated costs.
* AFSL attained and expansion to begin in Australia. SME non bank loans growing market place.
* New loan approval tech to be rolled out imminently.

DYOR but I think the access to capital in FY 2020 will see significant growth in the loan book and consequently profitability and SP.