ASX RELEASE 26 November 2019 AGM Chairman’s Address and Presentation Sydney, Australia; 26 November 2019: Attached is the Chairman’s address together with the presentation to the Annual General Meeting of Cashwerkz Limited (ASX: CWZ), to be held at 11:30am today. The AGM will be recorded and audio will be available via our website today. To access the meeting, participants can register via the following link: https://zoom.us/meeting/register/7d91299a127edd4234538d7d4481ef37 Further Details: John Nantes Executive Chair [email protected] Cashwerkz Limited The Cashwerkz Limited group of companies delivers an innovative online cash management marketplace in term deposit and At Call, whilst providing funding to over 49 Authorised Deposit taking Institutions and servicing financial advisers, direct investors, wholesale and institutions. Listed on the Australian Securities Exchange (ASX: CWZ) the group is headquartered in Australia. Cashwerkz Technologies Cashwerkz Technologies Pty Ltd (Cashwerkz Technologies) leverages the latest technology to deliver an innovative and streamlined approach to investing in At Call accounts, term deposits and bonds, meeting the growing demand for a trusted, reliable and secure online platform direct investors and financial professionals can manage their defensive assets and transact cash investments seamlessly. Cashwerkz Technologies is a subsidiary of its parent company, Cashwerkz Limited alongside fixed interest solution experts, RIM Securities. RIM Securities RIM Securities established over 15 years ago, is the independent fixed income specialist arm of Cashwerkz Limited. RIM securities have extensive experience in searching for the value to deliver stable income solutions to all types of investors who require custom solutions or access to wholesale markets across cash, term deposits and fixed bonds and floating rate notes. Trustees Australia Limited Trustees Australia Limited delivers trusted, responsible entity services to fund managers and investors requiring bespoke solutions. www.cashwerkz.com.au | @cashwerkz Chairman’s Address Cashwerkz Limited Annual General Meeting 26 November 2019 Good Morning, On behalf of the Cashwerkz Board, it is with great pleasure that I welcome you to the 2019 Annual General Meeting. This year we have been pleased with achieving significant growth of funds on the platform, innovating and evolving Cashwerkz from a portal to a marketplace, expanded partnerships with wealth platforms and execution of key contracts with a number of institutional investors. It is important to note that even with the successes of the above milestones in a 12-month period, and though it is typical that these revenues will take some time to build, we expect these will play an important role in establishing and enabling the Company to grow its footprint within the market. The Cashwerkz platform is unique and by far one of the most innovative exciting technologies of its kind. The magnitude of possibilities for creating better investor opportunities is exceptional when you consider that Cashwerkz is potentially applicable to the entire banking and finance sector including the major banks. The Cashwerkz Group has committed to a define strategic direction for 2020, which includes increasing the number of strategic partnerships and diversifying the product offering to include US dollar cash management products to corporates and institutional investors. With continued technological innovation of the platform, we will roll out a customised middle market solution and are working with other wealth platforms to innovate cash management solutions for their advisers. It is important to note that the Cashwerkz marketplace is a genuine global product, which provides investors with access to 49 ADIs and we have international aspirations. The Cashwerkz team works assiduously to commercialise the platform across all sectors within the finance industry. Indeed, the next 12 months should prove to be very exciting for shareholders. The success of Cashwerkz relies on a small and talented team of 30 people who work diligently and expertly across our diverse business. I commend Hector Ortiz for his determination and leadership and the whole Cashwerkz team for their tenacity and commitment, in bringing an idea from think-tank to market, achieving multiple approvals and agreements whilst continuing to develop our product range via the marketplace. We are also proud of our performance driven culture. Working with a sense of urgency, innovative thinking and collaboration are central to our shared values. Our people have a strong sense of how their work benefits everyday investors and Cashwerkz is focused on responsible practices regarding regulation, sustainability and governance. Page | 2 In addition to thanking our employees, I would like to thank my board colleagues for their insights and commercial acumen throughout the year. Michael Hackett, Brook Adcock and Nathan Leman who have been part of the journey since merging Trustees Australia and Cashwerkz in 2017, and Craig Swanger, although newly recruited brings a wealth of knowledge and experience in fintechs, which will drive strategy and growth. And last to our shareholders, I thank you for your continuing support. Today, Cashwerkz is very well positioned with innovative technology, financial resources and human capabilities to enable the Company to generate significant value for shareholders, while delivering better opportunities to investors. With the recommended changes resulting from the Royal Bank Commission, the changing business models of IFAs, and the broader acceptance of fintechs in Australia by all investor types, Cashwerkz is well placed to execute its strategy and very much looks forward to 2020. Thank you. John Nantes, Executive Chairman Page | 3 2019 Annual General Meeting 1 1 DISCLAIMER Disclaimer: Commercial in Confidence. Not to be shared or reproduced without the authority of Cashwerkz Limited (ACN: 010 653 862). Cashwerkz Group I Cashwerkz Limited ABN 42 010 653 862 AFSL 260033 | Cashwerkz Technologies Pty Ltd ABN 70 164 806 357 AFSL 459645 | RIM Securities Ltd ABN 86 111 273 048 AFSL 283119 | Trustees Australia Limited ABN 63 010 579 058 AFSL 260038. This Presentation contains general information only and is, or is based upon, information that has been released to ASX. This document is not an invitation, offer or recommendation (expressed or implied) to apply for or purchase or to take any other action in respect of securities and is not a prospectus, product disclosure statement or disclosure document for the purposes of the Corporations Act 2001 (Cth) and has not been lodged with ASIC. Investment Risk An investment in Cashwerkz Limited (‘CWZ’ or ‘Group’), is subject to known and unknown risks both specific to CWZ and of a general nature, some of which are beyond the control of the Group. Such risks either may individually or in combination adversely affect the future operating and financial performance of CWZ, its investment return and value of its securities. There can be no guarantee, and the directors and management give no assurances, (notwithstanding that they will use their conscientious best endeavours), that CWZ will achieve its stated objectives or that any forward-looking statement or forecast will eventuate. Forward-Looking Statements This Presentation contains certain statements that may constitute forward-looking statements or information (“forward-looking statements”), including statements regarding the use of proceeds of any funds available to the Group. These forward-looking statements are based on certain key expectations and assumptions, including assumptions regarding the general economic conditions in Australia and globally, industry conditions in Australia and the intended operations of the Group. These factors and assumptions are based upon currently available information and the forward-looking statements contained herein speak only as of the date hereof. Although the expectations and assumptions reflected in the forward-looking statements are reasonable in the view of the Group’s directors and management, reliance should not be placed on such statements, as there is no assurance that they will prove correct. This is due to forward-looking statements being subject to known and unknown risks, uncertainties and other factors that could influence actual results or events and cause actual results or events to differ materially from those stated, anticipated or implied in the forward-looking statements. These risks include, but are not limited to: uncertainties and other factors that are beyond the control of the Group; global economic conditions; risks associated with the financial markets; interests rates; bond prices; operational and seasonal risks associated with customer’s cashflow requirements; delays or changes in plans; specific risks associated with the ability to meet software development commitments and capital expenditures; and risks associated with securities market volatility. The Group assumes no obligation to update any forward-looking statements or to update the reasons why actual results could differ from those reflected in the forward-looking statements, except as required by Australian securities laws and ASX Listing Rules. © 2019 Cashwerkz Limited 2 Cashwerkz Board John Nantes Brook Adcock Craig Swanger Nathan Leman Executive Chairman Michael Hackett Director Non-Executive Director Director Director Nathan was appointed as a director John holds three bachelor degrees Brook has already