Credit Clear : CCR November Investor Presentation

onlyShareholder & useInvestor Briefing

ASX: CCR

November 2021 ersonal

Disclaimer

This presentation has been prepared by, and is the sole responsibility Credit Clear Limited ACN 604 797 033 (Company). The information contained in this presentation was prepared as at November 15, 2021, and remains subject to change without notice. The information in this presentation is of a general nature provided solely for the purpose of giving you background information about the Company.

The provision of this presentation is not a representation to you or any other person that an offer of securities will be made. Any prospective transaction would be undertaken onlysolely on the basis of disclosure documentation prepared in accordance with applicable laws (to the extent required). The information in this presentation may differ materially in

both content and presentation from that presented in any disclosure document prepared in connection with any proposed transaction (to the extent required).

This presentation does not constitute an offer to issue, or arrange to issue, securities or other financial products. The information contained in this presentation is not investment or financial product advice and is not intended to be used as the basis for making an investment decision. The information has been prepared without taking into account the i vestment objectives, financial situation or particular need of any particular person. Before making an investment decision, you should consider, with or without the assistance of a financial adviser, whether an investment is appropriate in light of your particular investment needs, objectives and financial circumstances.

This presentation is intended for those persons to whom it is delivered personally by or on behalf of the Company. By attending this presentation, you represent and warrant that

(i) if you are in Australia, you are a person to whom an offer of securities may be made without a disclosure document (as defined in the Corporations Act 2001 (Cth) (Corporations Act)) on the basis that you are exempt from the disclosure requirements of Part 6D.2 in accordance with s 708(8) or 708(11) of the Corporations Act; if you are outside Australia, you useare a person to whom an offer and issue of securities can be made outside Australia without registration, lodgement or approval of a formal disclose document or other filing in

accordance with the laws of that foreign jurisdiction.

No representation or warranty, express or implied, is made by any person as to the fairness, accuracy, completeness or correctness of the information, opinions and conclusions contained in this presentation. To the maximum extent permitted by law, none of the Company, its directors, employees or agents, nor any other person accepts any liability, including, without limitation, any liability for any loss, claim, damages, costs or expenses of whatever nature (whether or not foreseeable), including, without limitation, any liability arising from fault or negligence on the part of any of them or any other person, for any loss arising from the use of this presentation or its contents or otherwise arising in connection with it or any errors or omission in it.

The Company has not independently verified any of the contents of this presentation (including, without limitation, any of the information attributed to third parties). No person

is under any obligation to update this presentation at any time after its release to you. This presentation is strictly confidential and is intended for the exclusive benefit of the ersonalperson to which it is presented. It may not be reproduced, disseminated, quoted or referred to, in whole or in part, without the express consent of the Company.

This presentation contains certain forward-looking statements with respect to the financial condition, operations and business of the Company and certain plans and objectives of the Company. Forward-looking statements can be identified by the use of forward-looking terminology, including, without limitation, the terms "believes", "estimates", "a ticipates", "expects, "predicts", "intends", "plans", "targets", "aims", "outlook", "guidance", "forecasts", "may", "will", "would", "could" or "should" or, in each case, their negative or other variations or comparable terminology.. Such forward looking statements are subject to internal and external risks and uncertainties that may have a material effect on the Company. As such, undue reliance should not be placed on any forward looking statement. Past performance is no guarantee of future performance. Nothing contained in this presentation should be relied on as a promise, representation, warranty or guarantee whether as to the past, present or future.

All references to dollars, cents or $ are a reference to Australian currency, unless otherwise stated.

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Agenda
ersonal use	•	Introduction
•	Q1FY22 Results
•	Techub Agreement
•	Case Study

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Credit Clear - the market leader in digital, actionable communications for optimising account receivables

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Digital technology solutions that enable businesses

to:

- Improve collections and cashflows;

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- Lower operating costs; and

- Enhance customer engagement

David Smith

David Smith

David Smith

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Proprietary digital platform uses AI, machine

David,

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learning, dynamic data and predictive analytics to

optimise outcomes

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Low technology adoption by industry participants

provides significant first mover advantage

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Credit Clear - Strategic initiatives for long-term growth

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Accelerate Core Growth

• Increase client base by targeting a broad range of sectors and increasing penetration within existing sectors
• Transform into a digital focused company to accelerate top-line growth
• Optimise onboarding onto our digital platform and customer success

Enhance Digital Capabilities

Planned technology investment targeting 4 categories (more details on next slide):

• Artificial intelligence and machine learning
• Core product suite
• Strategy manager module
• Insurance-specificplatform functionality

Transformational Growth

Continue to explore and assess local customer acquisition opportunities

Targeting international expansion:

• Exploring the UK market, with resources on the ground assessing potential clients and value accretive opportunities
• Assess the US market in 2022 for potential opportunities
• Progressing partnership opportunities in other jurisdictions

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