from acorns mighty oaks do grow

Acorns Grow Australia

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Acorns helps people find money &

invest for the future.

• Father & Son founded business in 2012

• Acorns Inc and Instreet Investment Limited have set up a JV – Acorns Grow

Australia Limited

• App (iOS & Android) and Web app went live February 2016 in Australia

Introduction

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The Problem – Investing is complicated

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Investing is a

BIG Decision

Legacy Brokerage

Platforms

Expensive

Fees

Large Monetary

Commitment

Require Financial

Analysis Expertise

Cumbersome

Tools

Countless Number of

Investment Vehicles

The Acorns Solution – simplifies the problem

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Make It a

small Decision

Mobile-First

Investment Platform

Simple Fees

Micro-Investing

Modern Portfolio Theory

Intuitive Tools

5 Risk-Adjusted

Portfolios

Found Money

Recurring

Lump Sums

set it and forget it, save automatically

any amount at any time

on a daily, weekly, or monthly basis

transform rewards to investable cash

Round-Ups

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4 Easy Ways to Save & Invest

5 Intuitive and Risk-Adjusted Portfolios

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Conservative Aggressive

Simple Pricing

For Accounts $5k+

or 0.275% /yr

For Accounts Under $5k

$1.25/mo

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Market Data

Apps Email Service

Web App

AML/CTF

Electronic Transfers

Bank account aggregation

Analytics

3rd party system

monitoring

Rapid growth in user base

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90,000 Sign Ups

50,000 Investment Account

40,000 Active Investors

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

100,000

Acorns demographics

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18-24 25-34 35-44 45-54 55+

18%

16%

49%

22%

7% 3%

48%

23%

10%

3%

Cost per paying customer

$ 5.20

$ 8.50

Having gathered strong interest, we are in the

process of signing up super funds.

Getting user base ready for integration, with

informational marketing material.

11

ETA July 1st 2016

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Acorns is currently working on integrating BPAY with Acorns. This will give Acorns

customer the option to make voluntary contributions to their super, through Acorns.

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found money Found Money will launch in Q3 2016. Here is how you get involved:

1. Cash Forward - build loyalty or acquire customers by making an investment

into the future of our customers (e.g. give $1 for every $20 spent with your brand

or give $5 for becoming a new customer of your brand)

2. Sponsored Month - build brand equity and loyalty by paying our customer’s monthly

Acorns fee ($1.25/month)

The process will be seamless as a result of our offer platform, transaction level

data, and marketing capabilities

Proprietary & Confidential US Found Money trial with 1800-Flowers

Found Money has been trialled in

the US with great success, in both

reception from user base, and

increase in spending activity with

brand partners.

found money

13 Proprietary & Confidential

Acorns has already began trialling found money in Australia in partnership

with Football Federation Australia.

Acorns customers were offered $20 to be invested back into their Acorns

account when they buy any qualifying Socceroos ticket for the recent

matches against Greece.

Feedback has been positive and whilst we are still awaiting full results the

trial promises to be a good proof of concept.

for your time.

from acorns mighty oaks do grow

Thank you

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All information herein is a best-efforts forecast and should not be construed as a guarantee of future results. Proprietary & Confidential