RAIZ INVEST LIMITED — AGM Information 2021

Nov 25, 2021

Raiz Invest Limited (ASX:RZI) Multi-award-winning micro investing and fintech platform with operations in Australia and Southeast Asia

FY21 AGM PRESENTATION │ 26 November 2021

RAIZ INVEST LIMITED (ASX:RZI) 1 FY21 AGM Presentation Level 11, 2 Bulletin Place, Sydney NSW 2000 – Announcement authorised by George Lucas (Managing Director)

Important Notice and Disclaimer

This presentation has been prepared by Raiz Invest Limited (ACN 615 510 177) (RAIZ). References in this presentation to RAIZ include its group of companies and trusts.

This presentation is subject to the conditions outlined below. Your receipt or viewing of the Presentation evidences your acceptance of those conditions and that you agree to be bound by them.

This presentation is provided to recipients for information purposes and should be read in that context. The information in this presentation is in a summary form, does not purport to be complete, is not investment or financial product advice and is not intended to be relied upon as advice to investors or other persons or to be used as the basis for making an investment decision. Please note that, in providing this presentation, RAIZ has not considered the objectives, financial position or needs of any particular recipient. Any person considering an investment should consider whether such an investment is appropriate for its particular investment objectives, financial situation and needs, and conduct its own independent investigation and assessment including obtaining investment, legal, tax, accounting and such other advice as it considers necessary or appropriate, prior to making an investment decision.

The information contained in this presentation is based on information available to RAIZ. Statements in this presentation are, unless otherwise stated, made only on the basis of information known to RAIZ as at the date of this presentation and relate in part, to events that are changing. Circumstances may change at anytime. The information contained in this presentation, is therefore subject to change without notice and RAIZ may, in its absolute discretion, but without being under any obligation to do so, update or supplement that information.

RAIZ and its affiliates, related bodies corporate and shareholders, their respective directors, employees, officers and advisers (Limited Parties), accept no responsibility or liability whatsoever for the contents of this presentation. No representation or warranty, express or implied, is made as to the accuracy, reliability, completeness, correctness or fairness of the information, or the opinions and conclusions contained in this presentation. No Limited Party makes any representation or warranty that this presentation is complete or that it contains all material information about RAIZ or which a prospective investor may require in evaluating a possible investment in RAIZ. To the maximum extent permitted by law, the Limited Parties disclaim all liability and responsibility (including, without limitation, any liability arising out of fault or negligence) for any direct or indirect loss or damage which may be suffered by any person through the use of or reliance on anything contained in or omitted from, or otherwise arising in connection with, this presentation and its contents, including without limitation, any liability arising out of fault or negligence on the part of any of them. RAIZ has not independently verified any of the contents of this presentation (including, without limitation, any of the information attributed to third parties).

Certain statements in this presentation may constitute forward-looking statements or statements about future matters that are based upon information known and assumptions made as of the date of this presentation. Forward looking statements can generally be identified by the use of forward looking words such as, "expect", "anticipate", "likely", "intend", "should", "could", "may", "predict", "plan", "propose", "will", "believe", "forecast", "estimate", "target", "project", "guidance" and other similar expressions within the meaning of securities laws of applicable jurisdictions. Indications of, and guidance or outlook on, future earnings or financial position or performance are also forward looking statements. These statements are subject to internal and external risks and uncertainties, many of which are beyond the control of RAIZ, that may have a material effect on future business. No representation is made or will be made that any forward-looking statements will be achieved or will prove correct. Actual future results and operations could vary materially from the forward-looking statements. As such, undue reliance should not be placed on any forward-looking statement and RAIZ assumes no obligation to update such information. Past performance is not necessarily a guide to or a reliable indicator of future performance. Nothing contained in this presentation nor any information made available to you is, or can be relied upon as, a promise, representation, warranty or guarantee, whether as to the past, present or future.

This presentation is not a prospectus, product disclosure statement or any other disclosure document under Australian law or any other law. It does not constitute financial product advice or an offer or invitation to subscribe for or purchase any Shares or an offer for subscription or purchase of any Shares nor is it a solicitation to engage in or refrain from engaging in any acquisition of Shares or other associated derivatives transaction nor will anything contained in it form the basis of any offer, contract or commitment.

This presentation is not, and does not constitute, an offer to sell or the solicitation, invitation or recommendation to purchase any securities in RAIZ in any jurisdiction. In particular, this presentation does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. The distribution of this presentation in jurisdictions outside of Australia may be restricted by law. Persons who come into possession of this presentation who are not in Australia should seek independent professional advice and observe any such applicable restrictions. Neither this presentation nor any copy of it may be transmitted or released in the United States or distributed, directly or indirectly, to any person in the United States. By accepting this presentation, the recipient agrees to comply with these restrictions.

This presentation contains certain pro forma and non-IFRS financial information. Such financial information has not been prepared in accordance with disclosure requirements of applicable accounting standards and other mandatory reporting requirements in Australia.

All references to dollars, cents or $ in this presentation are to AUD currency, unless otherwise stated.

1. Raiz Overview

Raiz Snapshot

Mobile investment products to unlock financial freedom

Micro investment platform to enable financial freedom in & outside Super

Leading customer service and user experience for attracting and retaining customers

Low customer acquisition cost to help fast-track growth

Growing rapidly in Southeast Asia Indonesia, Malaysia & Thailand

Key Performance Metrics (Sep2021)

Continued outperformance across the dashboard

1. Increase on Previous Corresponding Period at 30 September 2020 ('PCP')

Key Indicators (Australia)

Momentum continues strongly in 1Q FY22

Customer Growth

Step change in customer growth achieved through Australia acceleration and Southeast Asia expansion

RAIZ INVEST LIMITED (ASX:RZI) 7 FY21 AGM Presentation

Revenue Streams

Raiz delivered 87% growth in micro investment platform revenue on PCP

RAIZ INVEST LIMITED (ASX:RZI) 8 FY21 AGM Presentation

Raiz Rewards

Brands attracts members, members attract brands and Raiz Rewards attract loyalty

Raiz Rewards is a loyalty program allowing users to fast-track their Raiz accounts & Super balances through purchases made with partnership brands

2. Strategy & Execution Overview

ASX:RZI

RAIZ INVEST LIMITED (ASX:RZI) 10 FY21 AGM Presentation

Corporate Highlights

Successfully executing against the growth strategy

Raiz Strategy Execution

Execution of consistent and clearly defined strategy driven by customer feedback

Business Model Highlights

Delivering financial flexibility, freedom and security to customers

Expansions in Southeast Asia

Rapid scaling in its target markets with new territories imminent

	Total Population	Customer Sign Ups	Investment Accounts	Active Customers
Australia	c.26m	1,145,614	549,815	289,273
Indonesia	c.277m	618,248	361,994	162,847
Malaysia	c.33m	371,349	128,589	81,635
Thailand	c.70m	Targeting 1H'22 launch of Beta Product
Vietnam	c.98m	Research into this market has begun and qualifiedfor NSW Government grant
Total	c.504m	2,135,211	1,040,398	533,755

New Product Development

New portfolios created based on customer demand and feedback

RAIZ INVEST LIMITED (ASX:RZI) 16 FY21 AGM Presentation

FY22 Focus Areas

Continued focus on growing the Australian business and executing the Southeast Asia growth strategy

About Raiz Invest Australia Limited

Raiz Invest Limited (ASX:RZI) is a multi-award-winning micro-investing and fintech platform with operations in Australia and Southeast Asia. With Raiz, users are able to automatically invest the virtual 'spare change' from their daily purchases into diversified portfolios. In Australia, this can be done to boost savings both inside and outside of superannuation.

To gain greater insight to the Raiz business and our strategy, watch our short video by visiting https://raizinvest.com.au/investors/

Since launching in 2016 Raiz has achieved solid growth, amassing more than 2.2 million downloads, 2,135,000 signups, and over 533,000 active monthly customers with over $970 million Funds under Management as at 30 September 2021.

Raiz continues to enhance its platform, adding 18 new products and features since its inception. In addition, Raiz is ramping up its growth and literacy strategy across Asia-Pacific, with offices in Malaysia and Indonesia with plans to expand into Thailand and Vietnam.

To gain greater insight to the Raiz business and our strategy and watch our short video on the company please visit https://raizinvest.com.au/investors/

Investor and Media Enquiries

Brendan Malone

ir@raizinvest.com.au

ASX:RZI