Ann: Quarterly Update and Appendix 4C, page-2

I take back any positive comments I said about OPY

That’s a horrible update. Reading between the lines they are saying we are just another sticker on the front door/ another logo on their website

They need to onboard merchants much much faster, unless there’s just a lack of merchants wanting to come on board?

Pathetic comment about being the “go to” BNPL provider. Quarterly updates are not meant for jokes to be included.

Here’s a tip for OPY management - if you want to be the “go to” BNPL company, lower your fees and build a brand, instead of being a me too