Ann: Quarterly Report (Appendix 4C), page-98

Nothing

Nothing stopping a customer using a second or third credit card to increase available credit while their money is still earning interest in an offset bank account.

The good thing is SPT can accept multiple credit cards in the one transaction-great technology in the BNPL model... now imagine the BIG drawcard this will have in the business B2B market where a customer can use their available credit for work expenses and not have any bad debts. Goodbye to large numbers of accounts receivable staff.

Now imagine how fast these businesses can get onboard the SPT platform given the capability of the STRIPE platform to exponentially grow this market. To predict the potential growth is tricky and will require SPT to market themselves - hence credit raising is perfect timing given the alignment of many events in the company.

The model is brilliant - be patient.