EML PAYMENTS LIMITED — Capital/Financing Update 2012

Oct 9, 2012

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10 October 2012

ASX Market Announcements Australian Securities Exchange Limited 20 Bridge Street SYDNEY NSW 2000

EMERCHANTS SIGNS NATIONAL RETAIL DISTRIBUTION AGREEMENT WITH NIMBLE

• Emerchants signs 3 year agreement with Nimble

• Nimble to offer re-loadable Visa prepaid debit cards

• Agreement is financially accretive to Adept, adding incremental revenue of 10-15% per annum

Adept Solutions Limited ( Adept Solutions ) (ASX: AAO ) is pleased to announce that Emerchants Limited ( Emerchants ) has signed a 3 year agreement with Nimble Australia Pty Ltd ( Nimble ), formerly known as Cash Doctors, under which Emerchants will be providing Nimble with a fully re-loadable Visa prepaid debit card for their customers.

Nimble is an award winning online consumer lender that offers its customers an innovative, transparent and fast service. As part of its consumer solutions it offers disbursements of loan proceeds onto Visa cards to be issued by Emerchants. The Nimble program will encourage customers to use the card on an ongoing basis.

The program includes features that Emerchants has been developing over recent months, including allowing customers to pay bills through B-Pay and directly load funds onto their card via their bank account. Emerchants has also built a customizable data suite that allows Nimble to manage their reporting, and management, more efficiently, enabling them to more effectively help their customers.

Adept Solutions Managing Director, Mr Tom Cregan, commented “We are delighted to form a partnership with Nimble. Our re-loadable prepaid product fits perfectly into their core business and we have been impressed by their singular focus on their customer and providing their customer with best in breed products and services. It has also allowed us to develop several new product features that will improve our product offering and will generate more revenue over time”.

Greg Ellis, Nimble Co-founder stated “We’re very excited to be working with Emerchants. With this card we see something unique that’s otherwise not available on the Australian market. In particular, this will allow people to have a card that gives them the ability to simultaneously control their own spending by putting up to $10,000 of their own money onto it. If they then happen to need extra credit, they can simply access a smart little loan from Nimble — it helps them without dragging them into credit card debt and long-term commitment. It will also be great to see our members being able to get smart little loans no matter where they are in the world.”

Adept Solutions Ltd ABN 93 104 757 904

Suite A11, First Floor, 435 Roberts Road, Subiaco WA 6008 Ph: +61 8 6143 2050 | Fx: +61 8 9381 5536

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

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Adept Solutions advises that this partnership is financially accretive and will generate incremental revenues in the range of 10-15% per annum.

-ENDS-

For more information or to speak with Tom Cregan, please contact:

Tom Cregan

Managing Director Adept Solutions Limited Ph: 0488 041 910

About Adept Solutions Limited

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

Adept Solutions Ltd ABN 93 104 757 904 Suite A11, First Floor, 435 Roberts Road, Subiaco WA 6008 Ph: +61 8 6143 2050 | Fx: +61 8 9381 5536

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