Chart - Z1P, page-12118

Q2 was a significant increase in QOQ revenue, TTV and customers. Q2 is October to December, which has black Friday, Christmas, boxing day and new year sales. The fact that each consecutive quarter for revenue has built on that period by 10% and 13% for Q3 and Q4 respectively in known quieter times indicates this isn't slowing down at all. YOY this is still increasing for revenue, transaction volume and transactions by 107%, 116% and 230% respectively. UBS is downplaying against their own figures but Zip beat the consensus figures... Even with a reduction in Government stimulus people are paying back their debts and increasing numbers are turning to zip as their payment choice. The numbers aren't the issue here it's the fact that they didn't address rumours, the lack of transparency is not working, they think the numbers will do all the talking. Instead they need to get someone in to really drive the brand and get those big patnership wins out for the market to see. Pete is knowledgeable but looks like a alcoholic wreck on camera, get someone with a bit of character to talk business