Ann: Response to ASX Aware Query, page-55

interesting that out of the major neobanks in Europe to hit the skids Revolute was the one that maintained the best outlook because of their exposure to crypto and gold. With revenues tripling YOY prior to the pandemic it would seem that DOU has taken the pathway to success and designed their business model in some ways similar to that of Revolute albeit with some major structural differences such as the jars. But that's the benefit of being in the chasing pack, you learn from the mistakes of your predecessors. As the saying goes 'The first guy through the wall always gets bloody' and so it is with the disruptive banking sector we are seeing huge structural change if you don't think it's going to happen one way or another you are trying to hold back a deluge. Millenial customers are the way forward they will not be served by a commbank account it's just holding their money with almost zero interest, this is basically the right time and the right place, what's missing at the moment is the right leadership, but that problem can and will be solved their are too many vested interests in this company it's on it's way to the top.