8COMMON LIMITED — AGM Information 2021

Nov 18, 2021

Annual General Meeting 19 November 2021 8common

(ASX:8CO)

This presentation has been produced by 8common Limited and may contain forward looking statements that are based on Management’s current expectations, beliefs and assumptions and are subject to a number of risks and uncertainties. Forward looking statements contained in this presentation are not guarantees of future performance and involve risks and uncertainties that are difficult to predict, and are based upon assumptions as to future events that may not prove accurate. Therefore, the actual outcomes and results may differ from those described.

In any forward-looking statement in which 8common Limited expresses an expectation or belief such expectation or belief is expressed in good faith and believed to have a reasonable basis, but there can be no assurance that the statement or expectation or belief will result or be achieved or accomplished. We are not under any duty to update forward-looking statements unless required to by law.

This investor presentation is that has or may be issued. 8common Limited and its directors, employees, associates, affiliates and agents, make no:

a. Representations or warranties, expressed or implied, in relationship to this presentation or the accuracy, reliability or completeness of any information in it or the performance of 8common Limited; and

b. Accept no responsibility for the accuracy or completeness of this presentation.

Disclaimer

buy or apply for securities, nor it or any part of it form the basis of, or be relied upon in any connection with any contracts or commitment whatsoever. The information in this presentation does not take into account the objectives, financial situation or particular needs of any person. Nothing in this presentation constitutes investment, legal, tax or other advice.

This presentation does not, nor does it purport to, contain all the information prospective investors in 8common Limited would desire or require in reaching an investment decision. To the maximum extent permitted by law, 8common Limited, their officers, directors, employees, associates, affiliates or agents, nor any other person accepts any liability for any loss, claim, damages, costs or expenses of any nature (whether foreseeable or not), including, without limitation, any liability arising from fault or negligence on the part of any of them or any other person, for any loss arising from the use of this presentation or its content or otherwise arising in connection with it or any errors or omissions in it.

registered or approved in any jurisdiction and recipients of this presentation should keep themselves informed of and comply with and observe all applicable legal and regulatory requirements. In Australia, this presentation is made only to sophisticated or professional investors under the Corporations Act, but will be released on the ASX.

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8common

8common Limited (ASX:8CO)

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8common

8common Limited (ASX:8CO)

8common

8common (ASX:8CO) solutions deliver enterprise grade financial transaction processing and payments. Our flagship Expense8 platform is a leading pureplay provider of end to end travel expense management software, card application and management.

Significant contract wins are company making

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Leading pureplay provider of end to end travel expense management software

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Large client base of enterprise customers such as Woolworths, Amcor, and over 158 state and federal government entities

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Significant near term upside in Expense8 via recently signed whole of Federal Government ERP

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Rapidly growing Continued product market for CardHero innovation and with first customer technology adoption ‘go-live’ in FY22 to keep 8CO products best in class ~~4~~

8common

8common Limited (ASX:8CO)

Core products and Customers: expense8 grew its user base by 32+% y.o.y

Enterprise SaaS + Fintech Payments

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Expense8 is an enterprise grade Software as a Service (SaaS) platform that supports organisations in the management of their . credit cards, business expenses and travel

CardHero offers enterprises a next generation and robust closed-loop fund disbursement and card payment solution

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Core Clients

8common’s client base consists of enterprise customers such as Woolworths, and over 170k users across 158 state, territory and federal government entities

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8common Limited (ASX:8CO)

FY21 Review

• Launched CardHero, an integrated card payment and expense management solution

• Extended the reach of the Expense8 platform with an increase in user numbers to over 166,000

• Over new users 41,000 (32% growth y.o.y)

• onboarded

• Over $600m in transactions processed

• • Cemented our position within Federal Government with Expense8

• Selected as the sole solution provider of Travel and Expense management for the Australian Government GovERP panel

• • Strengthened our balance sheet to provide the to fast track our capital growth

• initiatives

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FY21 Revenue

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FY21 Operating cash outflow

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SaaS recurring & transaction revenue

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ARR at 30 June 2021

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$4.1m
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FY21 Cash receipts

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Net Cash position at 30 June 2021

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8common Limited (ASX:8CO)

Recurring & Transaction SaaS Revenue

• COVID-19 impacted Recurring SaaS Revenue in Q4FY20 and Q1FY21 with Q2FY21 increasing as businesses approach to travel normalizes

• Further increase expected following announcement of CardHero+ contract with Life Without Barriers

• Federal GovERP mandate expected to significantly grow SaaS revenue

Quarterly Recurring & Transaction SaaS Revenue ($000)

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$750
721
721
$650 685
656
634
599
$550 584
545 550
518
$450
465 464
436 442
411
404
$350 384
$250
$150
$50
-$50 Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21
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8common Limited (ASX:8CO)

User Growth and ARPU

• 32% growth in user base from 126,000 users to over 166,000

• Pre covid ARPU peak of $24.33. ARPU reached low point of $15.40 in Nov 2020.

• Federal GovERP mandate expected to significantly growth both users and ARPU

Monthly User Growth and ARPU

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166,171
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126,128
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8common Limited (ASX:8CO)

Benefiting from the return of Travel

• The return of travel has been a significant driver in revenue with over 10,000 trips recorded during the June

• quarter, compared to 6,800 trips in the March quarter.

• Pre-covid monthly trip high was 4,490

• Number of users has increased from 33% from Q4FY20 to Q4FY21.

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4,490
324
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8common

8common Limited (ASX:8CO)

Whole of Government ERP

• Post the end of the financial 8CO year

• flagship product expense8 was selected as the sole solution provider of Travel and Expense Management for the Australian Government GovERP panel

Federal GovERP

Mandated Government Opt-in Government Entities Entities (27 are existing clients) (3 are existing clients)

• The Agreement is for an initial term of three years with an option to extend by a further three years

• 8CO received an initial $542k contract in October 2021 to deliver the GovERP version of expense8 on an accelerated basis

• The expense8 GovERP platform is expected to be onboarding entities by mid-2022

Minimum Number of ARPU in Federal New Users from Government mandated entities

Minimum Implementation Fee per Entity

$542k

Initial Contract Received in October to deliver GovERP version of expense8 on an accelerated basis

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8common Limited (ASX:8CO)

Employee Purchasing

Employees will be able to transact on their card with the CardHero smartphone application providing access to information such as available funds, past transactions and recent top-ups. Authorised decision makers/Client Administrators, though unable to transact, will be able to view this same information.

Employees will be able to transact on an unrestricted basis, though their transactions will be assessed by a ‘fraud detection’ process.

8common

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Fund Disbursement

Social service clients will be able to transact on their card with the CardHero smartphone application providing access to information such as available funds, past transactions and recent top-ups. Authorised decision makers/Client Administrators, though unable to transact, will be able to view this same information.

Clients will be able to transact on an unrestricted basis, though their transactions will be assessed by a ‘fraud detection’ process.

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About CardHero

Digital pre-paid expense/disbursement cards

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PRE-PAID CARDS

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Digital pre-paid expense/disbursement cards designed to enhance transparency and reduce barriers to disbursement and access too funds by employees and clients

SIMPLIFIED FUNDS DISBURSEMENT

$

Manage employee/client disbursements easily with one off or multiple disbursements

STRAIGHTFORWARD ONBOARDING

Integration with other platforms, strong self provisioning capabilities

STREAMLINED ADMINISTRATION

Improved visibility, simplified reconciliations, ability to manage receipt photos to substantiate expenses

FULLY DIGITISED SYSTEM

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Digital card ready to go, automatic notifications and ability to require uploaded receipts

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EFFECTIVE REPORTING

Near real-time transaction reporting and fraud detection

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8common

8common Limited (ASX:8CO)

Life Without Barriers

Life Without Barriers is a charitable organisation supporting close to 23,000 people living in over 400 communities across Australia.

Life Without Barriers provides a range of services under the National Disability Insurance Scheme (NDIS).

CardHero+ will provide users with a: • Seamless funds and expense management process;

• Reduce administrative time on validation and reconciliation of expenses;

• Streamlined distribution of funds

• Life Without Barriers has been a client of

• Expense8 for approximately 10 years

• 8common

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3 years $500kpa $1.6m ~3,500
Agreement signed with Recurring Revenue Total contract value over Cards to be issued
LWB
three years
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Post the end of the financial year, Life Without Barriers commenced the use of CardHero cards

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8common Limited (ASX:8CO)

The outlook

8CO will consolidate and secure its position in large enterprise financial payments and transaction management

A clear focus on:

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Grow organic revenue Leverage existing through new agency relationships to cross wins, uplift in users sell products and increase of ARPU

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Execute on strategy to Expand direct Develop partner
deliver CardHero client footprint ecosystem to scale
distribution to new
markets
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8common

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8common Limited (ASX:8CO)

Investor Relations Craig Sainsbury e: craig.sainsbury@marketeye.com.au

8common

Stephanie Ottens e: stephanie.ottens@marketeye.com.au

Nic Lim Executive Chairman e: nic@8common.com

8common Limited (ASX:8CO)