HUMM GROUP LIMITED — Investor Presentation 2012

May 3, 2012

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Macquarie Conference Sydney

4[nd] May 2012

John DeLano Chief Executive Officer and Managing Director

Garry McLennan Chief Financial Officer

Not for distribution or release in the United States or to U.S. persons

Disclaimer

Im ortant Notice p

No recommendation, offer, invitation or advice

This presentation is not a financial product or investment advice or recommendation, offer or invitation by any person or to any person to sell or purchase securities in FlexiGroup Limited (― FlexiGroup ‖) in any jurisdiction. This presentation contains general information only and does not take into account the investment objectives, financial situation and particular needs of individual investors. Investors should make their own independent assessment of the information in this presentation and obtain their own independent advice from a qualified financial adviser having regard to their objectives, financial situation and needs before taking any action. This presentation should be read in conjunction with FlexiGroup’s other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange.

Exclusion of representations or warranties

No representation or warranty, express or implied, is made as to the accuracy, completeness, reliability or adequacy of any statements, estimates, opinions or other information, or the reasonableness of any assumption or other statement, contained in this presentation. Nor is any representation or warranty, express or implied, given as to the accuracy, completeness, likelihood of achievement or reasonableness of any forecasts, prospective statements or returns contained in this presentation. Such forecasts, prospective statements or returns are by their nature subject to significant uncertainties and contingencies many of which are outside the control of FlexiGroup. Any such forecast, prospective statement or return has been based on current expectations about future events and is subject to risks, uncertainties and assumptions that could cause actual results to differ materially from the expectations described. To the maximum extent permitted by law, FlexiGroup and its related bodies corporate, directors, officers, employees, advisers and agents disclaim all liability and responsibility (including without limitation any liability arising from fault or negligence) for any direct or indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, this presentation.

Jurisdiction

The distribution of this presentation including in jurisdictions outside Australia, may be restricted by law. Any person who receives this presentation must seek advice on and observe any such restrictions.

Nothing in this presentation constitutes an offer or invitation to issue or sell, or a recommendation to subscribe for or acquire securities in any jurisdiction where it is unlawful to do so. The securities of FlexiGroup have not been, and will not, be registered under the US Securities Act of 1933 (as amended) (― Securities Act ‖), or the securities laws of any state of the United States. Neither this presentation nor any copy hereof may be transmitted in the United States or distributed, directly or indirectly, in the United States or to any US person including (1) any US resident, (2) any partnership or corporation or other entity organised or incorporated under the laws of the United States or any state thereof, (3) any trust of which any trustee is a US person, or (4) any agency or branch of a foreign entity located in the United States. No securities may be offered, sold or otherwise transferred except in compliance with the registration requirements of the Securities Act and any other applicable securities laws or pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and any other applicable securities laws.

Investment Risk

An investment in FlexiGroup securities is subject to investment and other known and unknown risks, some of which are beyond the control of FlexiGroup. FlexiGroup does not guarantee any particular rate of return or the performance of FlexiGroup securities.

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FlexiGroup Executive Summary

A diversified financial services company with a track record of strong volume and profit growth

• Founded in 1988 leasing office equipment to business

Background

• Leading provider of consumer/small business retail point-of-sale finance

• Diversified products include ―No Interest Ever‖, Small ticket leasing, Vendor Finance mid-large ticket leasing businesses

• IPO in 2006

Market

• ASX300 stock with market cap of approximately A$637m

• 2nd in ASX300 for total shareholder returns over last 3 years (ASX 300 Industrials excluding Mining)

• Distribution network across multiple industries, including strong relationships with:

Distribution platform

• Apple, Husqvarna, Toys-R-Us, M2 Commander, Harvey Norman, Noel Leeming, GPD, AGL Solar, Kitchen Connection,

• 1 million finance customers, 11,000 active retailers, 74,000 broadband subscribers, A$1bn total assets

• Australia and New Zealand Best Employers — AON Hewitt

High performance culture

• Australia’s Best Contact (Call) Centre — ATA Award

• International IT Award - ICMG Architecture Excellence

• The group is well capitalised with strong balance sheet capacity

Balance sheet

• Highly diversified funding with committed facilities from Australian and International institutions to support growth

• – Return on Equity 24%

• Management have undertaken numerous acquisitions throughout careers

Acquisitions

• FXL $30m acquisition of Certegy in 2008 has outperformed - c$20m NPAT guidance for FY12

• Recent acquisition of Paymate provides payments processing platform to support FXL’s 11,000 merchant partners and 2 million existing/prior customers as they move online

• Conservative approach to acquisitions - targeting accretive, high volume, retail point of sale acquisitions similar to Certegy

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Market Performance:

Favourable performance to market metrics has FXL well positioned

FXL outperforms

• FlexiGroup outperforms ASX Small Industrials and S&P/ASX 200 average on ROE and EPS metrics.

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• PE trading at discount to the ASX Small Industrials and S&P/ASX 200.

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		FXL	Small Indust.	ASX 200
	ROE (LTM)	23%	15%	19%
	FY09–11 EPS CAGR	16.7%	5.4%	10.3%
	1yr forward P/E	10.0x	12.1x	11.8x

Source: Datastream as at 2 May 2012, UBS Research

Positioned to move into ASX 200

• Market capitalisation $647m (2 May 2012).

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• implied position in S&P/ASX 200 is #174 (unadjusted for free float).

• Inclusion in S&P / ASX 200 predicated on:

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• increase in median liquidity of 28%.

• Increase in median value traded of ~26%.

	Rank by Market Capitalisation	Company	Market cap (A$m)
	170	EnergyResources	680,412,924
	171	Emeco Holdings	680,310,172
	172	Charter Hall Group	674,311,680
	173	Spotless GroupLtd	659,643,277
	174	FlexiGroup Limited	646,594,750
	175	GWA Group	628,171,469
	176	FKP PropertyGroup	617,627,268
	177	G.U.D Holdings	588,749,002
	178	OceanaGold Corporation	570,572,309
	179	Pacific Brands	557,458,832
	180	Linc Energy	541,923,981

Source: IRESS as at 2 May 2012

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Growth Strategy: Diversification, balance sheet and performance culture position FXL for growth

Well positioned for strong growth Sound strategy, well executed High performance culture Highly talented management of innovation and 1 with diverse backgrounds excellence - delivers aligned with shareholders exceptional results Diversified business with extensive distribution Target markets with reduced 2 and access to high competition post GFC growth market segments Well structured Balance Conservative approach to risk 3 Sheet and strong access delivers strong funder support to funding

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Culture of high performance drives financial and investor outcomes Since IPO, 4 years ago, volume and NPAT have more than doubled

Financial Scorecard

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Cash NPAT
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$52.9m
$23m
FY07 FY11
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Volume
$695m
$310m
+124 %
FY07 FY11
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Investor Scorecard

Market recognises FXL as a high growth company and enterprise value rises

Total Shareholder Return  2[nd] ; 2009-2011 Dividend per share (DPS)  Top 10%, 2009-2011 CAGR 40% Earnings per Share (EPS)  Top 20%, 2009-2011 CAGR 17%

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Total Shareholder Return
800
738%
600
400
200
8%
0 (10)%
Jan-09 Jul-09 Jan-10 Jul-10 Jan-11 Jul-11
FXL ASX300 Div Financials
Rebased to 100
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Notes

1 ASX300 excluding Mining & Metals companies

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Culture of Innovation

Produces +560 bps margin improvement, monetises transaction intensive businesses

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FlexiGroup (ex acquisition) NPAT/ANR Bridge Acquisition NPAT/ANR Bridge
1.2% 5.9%
0.7% 9.4%
0.9%
0.5%
1.5%
2.5%
0.9%
1.8%
3.6%
1.3%
+580 bps
0.3% +560 bps
FY05 Repackageleasing Renewalincome Loaner &Protect Choose yourpayment (Blink/Vendor)New verticals FY11 FY09 * Applicationincome processingPayment Ezi-Pay Express(credit line) Scale efficiencies FY11
products * Certegy acquisition Oct 2008
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Driven by innovative products

• Repackage to include swap/double time

• Lost, damaged, stolen, Loaner protection

• Ezi-pay Express continuing credit access

• Payment processing cost offset

• Choose your payment date

Leverage infrastructure

• Target mobile broadband and commercial segments

• Target Lay-by market opportunity

NPAT Increases

• FY05-FY11 $12m  $39m

• FY09-FY11 <$5m  $13.7m

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Culture of Excellence

Performance recognised with external awards

CUSTOMERS

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Australia’s Contact Centre Of the Year 2010

• Secured three of the seven categories in the ATA Awards

• ATA represents more than 3800 Australian contact centres

• Finalists included some of the country’s largest and best known companies: CBA, IAG, Amex, and Energex

TECHNOLOGY

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International iCMG Best IT Architecture Award 2010

• Joint winner of the Architecture Excellence Award in the category for Service-oriented Architecture (SoA )

• Over 100 nominations from 21 countries

• Competing in this category were IBM, SAP AG, Oracle and LG Electronics

FUNDERS

PEOPLE

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Consumer Asset Backed Securities Year 2011

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AON Hewitt Best Employers Of the Year 2011

• Certegy securitisation the first public issue of no interest ever receivables

• Specifically recognised for strong leadership and high performance culture

• Hewitt provides the most extensive engagement survey covering 200 organisations and 124,000 employees

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Highly talented management

Aligned with shareholders and capable of managing larger organization

An experienced Board and management team that bring together a range of skills from consumer, banking, leasing, telecommunications and technology sectors…

Shareholders Board members and senior management hold c.40% equity interest in FlexiGroup

Board of Directors

• Margaret Jackson Andrew Abercrombie John Skippen Rajeev Dhawan John DeLano • Chairman • Founding director of • Director since 2006 • Director since 2003 • Managing Director • Former Chairman Flexirent in 1991 • Former CFO of • Represented CFS since 2003 Qantas and Director • Significant Harvey Norman interest in Flexirent • Formerly MD Avis of ANZ Bank shareholder (c.30%) pre-IPO Australia

Senior Management – recruit talent with capacity to support future growth.

Current

Previous

Anthony Roberts Andrew Pipolo

Garry McLennan

Marilyn Conyer

Ben Taylor Jeff McLean

Peter Lirantzis

• CFO – 35 staff; • Head of • Head of Operations • Head of Marketing • Head of IT, 70 staff • Head of Vendor Sales • Head of eCommerce $600m assets financed. Innovation & Product Dev. 300 Staff 8 Staff • Westpac; Head of 14 Staff – volume $61m • Head of • Optus Business Systems; 350 staff • CIT Corp Finance • PayPal

• • HSBC • AOL Australia Operations, Credit Director of Marketing General Manager Managing Director COO/CFO General Mgr Corp, 350 100 Staff 80 Staff $2b payment volume 500 Staff 120 Staff staff, multiple sites $1.4b technology provider $350m receivables $30b total assets 180k customers

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Growth Strategy:

Shift from retail point-of-sale to diversified financial services

High Growth FXL Segments

Established

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Growth in Online

$37b forecast in 2013. 56% of Australians buy online once a month

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Growth Strategy:

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Shift from retail point-of-sale to diversified financial services

Achieved high volume growth and diversification…

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FY08 FY10 FY11
$269m $549m $695m
10% 15%
43%
54%
36%
42%
Retail to Consumer and SME Business to Consumer Business to Business
(non-retail)
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…through a comprehensive growth strategy

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Growth Strategy:

Two ac uisitions and two or anic start-u s roduce diversified roduct suite q g p p p

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• Business to Consumer Retail to Consumer & SME Business to Business To Flexirent (small ticket B2B)

• • Trading since 1989, • Trading since 1988, • Launched in retailers, • Recruited an experienced acquired Oct 08 IPO Dec 2006 Feb 2009 industry team in Nov 09

• • Interest free , lay-by & • Lease products offered for • Casual and contract mobile • OEM / Vendor leasing to cheque guarantee products IT & electrical retail and broadband offered through business offered in diverse industries small business equipment IT retailers • Increase sales volumes for

• • Increases sales volumes • Preserves margin for the • Increases margins for the OEMs / Vendors for merchants retailer / dealer retailers • Affordable, tax deductible

• • No interest (ever) payable • Customers appreciate • Customers enjoy easy inmeans for customers to by the customer loaner, protect & affordable store activation, acquire assets monthly payments protect & loaner features

• Increase sales volumes for OEMs / Vendors

Key 1H12 metrics

• $218m assets financed

Key 1H12 metrics

• $121m assets financed

Key 1H12 metrics

• 77,000 active subscribers

Key 1H12 metrics

• $47m assets financed

• +22% growth

• +3% growth

• +22% growth

• +81% growth

Direct to homeowner & Retail point-of-sale

Retail point-of-sale Lease & small ticket B2B

Retail point-of-sale Mobile Broadband - IT

Vendor Lease programs to commercial accounts

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Growth Strategy:

Acquisition of Paymate provides online capability

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Business
description
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• ‾ A fee generating online payment business through relationships with 3,500 online retailers

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1
Strategic
2
rationale
3
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• ‾ Capitalise on large, high growth online market with limited competition. Supports existing retailers move online and leverages customer relationships

• ‾ Platform delivers speed to market. Supports new product innovation and provides immediate access online merchants to grow online payments

‾ Extends diversified financial services strategy. Targets new online distribution channel, broadens merchant categories, access to International market

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Well
Positioned
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• ‾ FXL has track record of growing high volume payment processing business with 11 million payments transacted per annum

• ‾ Online business led by very experienced online payment team (including Andrew Pipolo, ex MD of PayPal APAC)

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Growth Strategy

Invest in first ear to drive future rofits. y p

Certegy NPAT 4 year contribution

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• Trend: Consumers begin $19 -$21m
paying off credit, renovating
$14.0m
homes, and reducing energy
costs.
$7.6m
•
FXL acquires ―no interest
ever‖ Certegy operation
without receivables income $0.2m
stream.
Year 1 Year 2 Year 3 Year 4
Fcst
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Blink NPAT
3 year contribution
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$3.5-$4m
$3.4m
-$0.7m
Year 1 Year 2 Year 3
Fcst
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• Trend: Strong growth of internet connectivity with mobile devices.

• FXL launches mobile broadband business including $0 upfront tablet plans.

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Vendor NPAT
2 year contribution
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Online / Paymate
in first year
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• Gap: During GFC, banks $2.6m withdrew from SME market.

• • FXL recruits experienced 10 person sales team from competitor. -$1.0m Year 1 Year 2

• Gap: High growth market with limited competition. Customers demand a secure online payment experience . -$1.5m

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-$1.5m
Year 1 Year 2
Fcst
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• FXL recruited an experienced team to lead initiative and acquired online payment processing business – Paymate.

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Growth Strategy:

Focus resources on B2B, B2C and Online (vs retail)

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Volume Growth by market segment
$397 million
$332 million
83
40 110%
161
138
18%
154 -1% 153
1H11 1H12
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Retail to Consumer / SME Business to Consumer Business to Business

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Return on Assets up 200 bps
2006 2007 2008 2009 2010 2011
8.1%
7.5%
6.8% 6.9% 6.7%
6.0%
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Diversification drives +260% NPAT growth
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FY07 FY12F
$23 million $59 - $61 million
33%
54%
5%
8%
100%
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Flexirent Vendor Mobile Broadband Certegy
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FXL Return on Equity outperforms comparative industries
Consumer Financials Industrials FlexiGroup
Discretionary ex. Property ex. Financials
23%
16%
14%
13%
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Well structured balance sheet

Conservatively geared at 9% - SPV borrowings are non-recourse to FXL

Performance – Recourse Balance Sheet (excl. SPV’s)

• Post GFC funding paradigm requires equity contribution

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• Balance Sheet now deleveraged. Total Equity now .

• $247m compared to $54m at time of IPO

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• Remaining part of receivables include receivables funded by recourse borrowings and excess receivables held as security in funding facilities

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Outlook

No material bullet repayments on borrowings.

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• Borrowings are predominantly fixed interest rate, therefore receivables portfolio is not impacted by rate movements

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• Significant cash generation expected from FY13 and accelerating in FY14 from FXL owned receivables

• Notes:

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Summarised Balance Sheet FlexiGroup FlexiGroup
as at 31 December 2011 Excl. SPV's incl SPV's
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	Cash at Bank Net Receivables	58.1 50.9	58.1 701.2
	FXL's investment in bank securitisation warehouses FXL's investment in external securitisation trusts Other Assets Goodwill and Intangibles	51.7 18.9 64.0 97.9	51.7 18.9 64.0 97.9
	Total Assets	341.5	991.8
	Borrowings	12.8	686.1
	Cash Loss Reserves available to Funders	-	(23.0)
	Other Liabilities	81.3	81.3
	Total Liabilities Total Equity	94.1 247.4	744.4 247.4
	Gearing	9%	N/A

1. Gearing = Non-recourse borrowings as a percentage of FlexiGroup net tangible equity

Explanatory Notes:

1. FXL’s lease and interest free receivables are funded by non-recourse borrowings from Banks

2. Non-recourse borrowings equals FlexiGroup’s total borrowings of $686.1m less borrowings ($12.8m) which have recourse to FlexiGroup Limited i.e $673.3m in bank borrowings in SPV’s are non-recourse to FlexiGroup

3. These bank borrowings are secured against FXL’s lease and interest free receivables and cash security in Special Purpose Entities (SPV’s)

4. The cash security provided by FXL represents restricted cash at bank and are reflected as Loss Reserves on FXL’s balance sheet

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Conservative approach to risk

Diversification produces reduced impairment despite 24% receivables growth

Performance

Business diversification is into lower risk interest free and commercial receivables - now 52% of book

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• Historical loss trend from 5.1% (1H09) to 3.0% - improves 70bps in 1H12

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• Consumer de-leveraging results in improved applicant credit quality.

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• Collections investment delivers improvement from optimised dialer, 2 way sms, and IVR

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• 90 day plus arrears declines to 0.7% from 0.8% pcp

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Outlook

Expect continued strong credit performance due to diversification to lower risk receivables.

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Net Impairment Losses 1H11 1H12
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	Leases $5.4m $5.6m Personal Loans $1.9m $1.1m Leases/Personal Loans $7.3m $6.7m Certegy $4.2m $4.2m Net Impairment Losses $11.4m $10.9m % of Avg Receivables 3.7% 3.0%

90 Day Plus Delinquency %

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2.40%
2.00%
1.60%
1.20%
0.80%
0.40%
0.00%
Dec-07 Jun-08 Dec-08 Jun-09 Dec-09 Jun-10 Dec-10 Jun-11 Dec-11
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Strong support from banks and Institutions

Funding increased through the GFC, now diversified to 8 sources (from 2 in 2004)

Performance

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FXL anticipated the post-GFC new funding paradigm

• Banks now require ratable, securitisable assets to meet new capital allocation and liquidity changes

• 5 new committed warehouse facilities provide increased diversity

• in funding to support growth (negotiated in FY10, FY11 & 1H12)

• provided by a mix of new and existing funders

• 50% of all funding now in securitisation vehicles – will reduce total borrowing costs

• 2 new securitisations provide new funding sources for the future

• 2011 Certegy securitisation was first public issue of no interest ever receivables

• All AAA to BBB notes placed, with over 90% to non-bank institutional bidders - multiple bidders across all notes

Further securitisation planned for 2012

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Funding Facilities
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$257m
$247m
$232m
$163m
$686m
$577m $578m $610m
Jun-09 Jun-10 Jun-11 Dec-11
Drawn Undrawn
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Outlook

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• FXL has committed bank facilities in place to support growth

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• Reviewing opportunities for other debt capital market issuances to further increase diversification of funding

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Group Highlights for 1H12

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1H12 Cash NPAT +13% to $28.2m.

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Fully Franked Interim Dividend increased 20% to 6.0 cents.

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Diversification by organic start-up or acquired businesses contributes 42% of Cash NPAT. Standout Interest Free result with 1H12 Cash NPAT +58% to $9.5m. Volume growth +20%. Strong contribution from new businesses.

$m	1H11	1H12		Growth (%)
Cash NPAT1	25.0	28.2		13%
Statutory NPAT	24.5	27.5		12%
Volume2	332	397		20%
Operating Cash Flow (pre tax) 3	33.9	49.1		45%

Notes:

1. Cash NPAT excludes intangible amortisation of $0.7m.

2. Volume is all volumes for leases, loans, vendor finance, Certegy and gross revenue for Blink mobile broadband.

3. 1H11 & 1H12 statutory cash flow statement has been adjusted to better reflect the operations of the Group

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Outlook for FY12

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FY12 Cash NPAT guidance of +12% to +15% on FY11 re-confirmed.

• Increased contribution from Interest Free due to growth and product innovation.

• Higher Flexi Commercial receivables produce additional income.

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Positive outlook on FY12 Volume growth resulting from:

• Non-retail segment (B2B) greater contribution to small ticket leasing.

• Vendor Finance new partner programs contribute for entire year.

• Continue to sign up new Interest Free retailers.

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Strategic Outlook:

• Opportunities in interest free through product expansion and distribution

• Leverage FXL innovation culture through Paymate payment processing platform in online channel.

• Continued focus on value accretive acquisition opportunities.

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Appendices

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Appendix 1 – Detailed Profit & Loss

A$ MILLION	1H11	1H12
Net Interest income	64.3	69.5
Interest expense	(26.1)	(29.2)
Net Interest Margin	**38.2 **	**40.3 **
Other Net Income	45.5	49.7
Operating Income	**83.7 **	**90.0 **
Payroll and related expenses	(24.6)	(24.9)
Depreciation & amortisation expenses	(2.3)	(2.9)
Other expenses	(12.0)	(11.3)
Total Expenses (before impairment)	(38.9)	(39.1)
Impairment losses	(11.4)	(10.9)
Net Profit Before Tax	**33.4 **	**40.1 **
Tax expense	(8.4)	(11.9)
Cash Net Profit After Tax	**25.0 **	**28.2 **
Amortisation of intangibles	(0.5)	(0.7)
Statutory Net Profit After Tax	**24.5 **	**27.5 **

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Appendix 2 – Detailed Balance Sheet

A$ MILLION	Dec-10 Dec-11 Dec-10 Dec-11 53.4 58.1 53.4 58.1 635.3 785.9 112.2 135.6 (13.0) (14.1) (13.0) (14.1) 622.3 771.8 99.2 121.5 42.0 51.6 42.0 51.6 0.3 0.0 0.3 0.0 0.3 1.0 0.3 1.0 3.6 3.5 3.6 3.5 8.0 7.9 8.0 7.9 79.9 79.9 79.9 79.9 16.4 18.0 16.4 18.0 826.2 991.8 303.1 341.5 563.7 686.1 0.0 12.8 (40.6) (23.0) 0.0 0.0 523.1 663.1 0.0 12.8 15.0 0.0 15.0 0.0 30.3 29.2 30.3 29.2 7.8 13.8 7.8 13.8 4.0 4.2 4.0 4.2 0.0 1.4 0.0 1.4 28.5 32.7 28.5 32.7 608.7 744.4 85.6 94.1 217.5 247.4 217.5 247.4 76.4 81.6 76.4 81.6 (2.3) (3.4) (2.3) (3.4) 143.4 169.2 143.4 169.2 217.5 247.4 217.5 247.4 Statutory (inc SPV's) Excluding SPV's
Assets Cash at bank Loans and receivables Allow ance for losses Other receivables Rental Equipment Inventory Plant and equipment Deferred tax assets Goodw ill Other Intangible Assets
Total Assets
Liabilities Borrow ings Loss Reserve Net Borrow ings Vendor note Payables Current tax liability Provisions Derivative financial instruments Deferred tax liabilities
Total Liabilities
Net Assets
Equity Contributed equity Reserves Retained Profits
Total Equity

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A endix 3 - Detailed Statutor Cash Flows pp y

A$ MILLION	1H11	1H12
Cash flows from operating activities
Net interest received	62.3	66.7
Other portfolio income	45.5	47.5
Payments to suppliers and employees	(47.8)	(35.9)
Borrow ing costs	(26.1)	(29.2)
Taxation received/(paid)	18.7	(9.4)
Net cash inflow provided from operating activities	**52.6 **	**39.7 **
Cash flows from investing activities
Capital expenditure	(4.1)	(4.2)
Net (increase)/decrease in:
Customer loans	(37.9)	(48.7)
Receivables due from customers	(14.8)	(44.3)
Net cash outflow from investing activities	(56.8)	(97.2)
Cash flows from financing activities
Dividends paid	(12.4)	(15.3)
Proceeds from issue of shares on vesting of share options	0.0	2.0
Payment of vendor note on Certegy Acquisition	0.0	(15.0)
Net increase / (decrease) in:
Borrow ings	(13.8)	75.7
Loss reserves	9.1	12.3
Net cash(outflow)/inflow from financing activities	(17.1)	**59.7 **
Net impact of exchange rate movements	(0.1)	(0.1)
Net (decrease)/increase in cash and cash equivalents	(21.4)	**2.1 **
Opening cash and cash equivalents	**74.8 **	**56.0 **
End ofperiod cash and cash equivalents	**53.4 **	**58.1 **

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