EML PAYMENTS LIMITED — Capital/Financing Update 2011

Oct 31, 2011

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1 November 2011

Company Announcements Office Australian Securities Exchange Limited 20 Bridge Street SYDNEY NSW 2000

SALE OF NORTHERN TERRITORY ASSETS

Adept Solutions Limited ( Adept ) is pleased to announce that it has entered into an agreement with Crocodile Gold Australia Pty Ltd ( Crocodile Gold ) and Adept’s subsidiary, the Australian Land Company Pty Ltd, for the sale of Adept’s Northern Territory tenements for $1,000,000 plus a 1% royalty.

Crocodile Gold is part of Crocodile Gold Corp, a Canadian company listed on the Toronto and Frankfurt stock exchanges. Crocodile Gold Corp has operating gold mines in the Northern Territory of Australia and is currently producing gold from the Howley, Princess Louise, North Point and Mottrams open pit mines.

“We are very pleased to have entered into an agreement with Crocodile Gold to sell Adept’s Northern Territory tenements,” said Adept’s Chairman, Mr Terpu. “The sale of the Northern Territory tenements is consistent with Adept’s previously announced strategy to divest its mineral assets.”

The agreement is conditional on Crocodile Gold not having received any order or notice under the Foreign Acquisitions and Takeovers Act 1975 (Cth), prohibiting Crocodile Gold from purchasing the mineral assets or making the purchase of the assets subject to conditions which are unacceptable to Crocodile Gold ( FIRB approval ).

Consideration

Adept will receive the following consideration for the sale:

• $350,000 on satisfaction of the FIRB approval condition precedent. The condition precedent must be satisfied or waived by 28 February 2012, or such later date as agreed between the parties;

• $125,000 on completion which is 14 days after the condition precedent has been satisfied;

Adept Solutions Ltd ABN 93 104 757 904

Suite 4, 213 Balcatta Road, Balcatta WA 6021 | PO Box 572, Balcatta WA 6914 Ph: +61 8 9240 4111 | Fx: +61 8 9240 4054

www.adeptsolutions.com.au | admin@adeptsolutions.com.au

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• $125,000 on the Mines Minister approving and registering the agreement and approving the transfer of the tenements to Crocodile Gold;

• $400,000 when Crocodile Gold makes a decision to proceed with development of a commercial mining operation on the tenements; and

• Adept is entitled to a royalty payment of 1% of net smelter returns calculated in accordance with the terms of the agreement.

“The sale of the Northern Territory tenements is the first step in Adept’s plan to divest its mineral assets and the Company is continuing to explore opportunities to divest the remaining assets,” said Mr Terpu.

-ENDS-

For further information, please contact:

John Terpu

Chairman Adept Solutions Limited Ph: +61 (0)8 9240 4111

Bob Browning

Managing Director Adept Solutions Limited Ph: +61 (0)8 9240 4111

About Adept Solutions

Adept Solutions is led by Managing Director, Bob Browning, and is a financial services company that specialises in pre-paid financial cards. Adept Solutions is focused on the twin goal of delivering high quality payment systems to its customers and superior returns to its shareholders.