By accepting a copy of this Investment Information Memorandum, the recipient agrees that it shall not contact or discuss the contents of this memorandum with any officer, employee, supplier, customer, licensor, franchisee, or associate of My Money Medic without the prior consent of Conor Keenan. This Memorandum and further information is supplied on the terms set out above and on the terms contained in a confidentiality agreement entered into by the recipient, the terms of which incorporate the above conditions and contain restrictions on the use of the information, its disclosure, and the conduct of the recipient. The recipient acknowledges the foregoing, and it is hereby agreed that the terms of the confidentiality agreement are incorporated into and form part of these conditions.

INVESTMENT RISK STATEMENT Capital at Risk: Investing in My Money Medic involves significant risks. Investors may lose part or all of their invested capital. No Guarantees: Neither My Money Medic nor its directors guarantee any rate of return, repayment of investment, or successful achievement of planned objectives. Past Performance: Past performance is not indicative of future results. Investment outcomes may vary substantially from projections or expectations. External Factors: Market conditions, regulatory changes, operational challenges, and other factors beyond our control may adversely affect investment performance. The value of investments can fluctuate significantly. Investor Suitability: This investment opportunity is intended for wholesale and sophisticated investors who understand the risks associated with private company investment.

INVESTMENT RISK STATEMENT Capital at Risk: Investing in My Money Medic involves significant risks. Investors may lose part or all of their invested capital. No Guarantees: Neither My Money Medic nor its directors guarantee any rate of return, repayment of investment, or successful achievement of planned objectives. Past Performance: Past performance is not indicative of future results. Investment outcomes may vary substantially from projections or expectations. External Factors: Market conditions, regulatory changes, operational challenges, and other factors beyond our control may adversely affect investment performance. The value of investments can fluctuate significantly. Investor Suitability: This investment opportunity is intended for wholesale and sophisticated investors who understand the risks associated with private company investment.

IMPORTANT NOTICE The information contained in this Investment Information Memorandum and any other verbal or written information given in respect of My Money Medic ("Information") is provided to the recipient ("you") on the following conditions. Accuracy: The officers, employees, or consultants of My Money Medic ("we, us") make no representation, warranty, or guarantee that the information is complete, accurate, or balanced. Some information has been obtained from third parties and has not been independently verified. No Warranty: No warranty, representation, or undertaking, whether express or implied, is made, and no responsibility is accepted by the business owner as to the accuracy of any part of this or any further information supplied. Visual Materials: All visual images, plans, photographs, and projections are indicative only and subject to change. Not Financial Advice: This document does not constitute, and should not be considered as, financial advice or a recommendation to invest. You must obtain independent legal, financial, and taxation advice before making any investment decision. Valuation: Neither the business owner nor BizDealRoom.com are valuers and no comment is made as to the value of the company or its shares.

When we started MyMoneyMedic.ai, the opportunity we saw was broader than budgeting. Financial stress rarely stays confined to a bank account. It can affect mental wellbeing, motivation, physical health, relationships and the quality of the decisions people make. Yet most financial tools continue to focus on transactions, balances and what has already happened.

I founded MyMoneyMedic.ai to build a different experience: one designed around the person, not simply their transaction history. Our approach connects four areas we describe as My Money, My Mind, My Body and My Life. By bringing those dimensions together, we aim to help people understand what is happening, identify what needs attention and take practical steps towards greater control.

We have now progressed beyond the original concept. We have developed and launched our MVP, built PulseCheck and financial tracking capabilities, introduced AI-powered guidance, progressed our Consumer Data Right and Open Banking capabilities and developed an enterprise proposition capable of supporting organisations as well as individual users. Our app launched across Apple and Google Play in January 2026, and our commercial focus is now shifting towards converting pilots, partnerships and our identified pipeline into recurring revenue.

What excites me most is the scale of what this platform can become. Our opportunity spans individual subscriptions, employers, professional associations, financial services, wellbeing providers, government-related programs and strategic partners. We have identified 7.5 million potential users within our Australian 2026/2027 pipeline landscape, while our longer-term roadmap extends beyond Australia into international markets.

We are seeking USD $1,000,000 of seed capital at a USD $10,000,000 pre-money valuation. For us, this raise is about turning the foundation already built into scalable commercial growth while continuing to improve the technology, intelligence and customer experience behind MyMoneyMedic.ai.

Our ambition is to make financial wellbeing more accessible, more proactive and more connected to the realities of people's lives.

MyMoneyMedic.ai, operated by NIOSMO GROUP PTY LTD, is an AI-powered financial wellbeing platform designed to help people understand, manage and improve their wellbeing across four interconnected pillars: My Money, My Mind, My Body and My Life. Established in 2024, we have developed an integrated platform combining financial information, behavioural insights, AI-powered guidance, wellbeing assessment and pathways to human support.

Our proposition addresses a clear problem: financial pressure can influence mental wellbeing, physical health, relationships, motivation and decision-making, while many existing solutions address only one component of that experience. MyMoneyMedic.ai connects these areas within a single ecosystem. PulseCheck assesses financial and broader wellbeing; interactive tools support budgeting, cashflow, goals and net worth; Open Banking enables connected financial information; our AI experience provides personalised guidance; and the Care Portal provides pathways to appropriate support.

Our business model combines consumer and enterprise distribution. Revenue opportunities identified in our source materials include B2C subscriptions, enterprise licensing, financial mentoring, consulting, referral relationships, advertising and partnerships, and potential white-label offerings. The August 2026 pitch deck also identifies a targeted individual ARPU of USD $4 per month and enterprise distribution through employers, clubs, financial institutions and industry bodies.

We have moved beyond concept stage. Our MVP is operational, the application launched on Apple and Google Play in January 2026, and we have progressed CDR/Open Banking capability alongside pilots, partnerships and an enterprise proposition. Management has identified a 2026/2027 Australian opportunity landscape representing 7.5 million potential users, with a goal of reaching 100,000 users by the end of 2027.

We serve two primary customer groups: individual users seeking practical support with their financial and broader wellbeing, and organisations seeking a scalable way to support employees, members or participants.

For individual users, MyMoneyMedic.ai is designed around people who want greater visibility, structure and confidence in managing their financial lives. This includes working professionals, families and people seeking practical, personalised support rather than a platform limited to expense tracking. A user may want to understand spending, organise cashflow, build goals, assess net worth, work through financial pressure or determine what action should come next.

Our website reflects this broad use case. We encourage users to begin with the financial question they have been putting off, then use Alex to make sense of what is happening, sort priorities, understand available options and turn larger problems into manageable next steps. Users can connect and reflect, talk through their position, receive a plan, track progress and continue receiving support as circumstances change.

Our organisational customer proposition is structured around scalable distribution. Target organisations identified in the client materials include SMEs, larger employers, professional services businesses and organisations with significant workforces. MyMoneyMedic.ai can complement existing employee assistance, HR and workplace wellbeing programs rather than requiring employers to create a new internal financial coaching function.

The current website further identifies dedicated pathways for clubs, corporate organisations and government, with an emphasis on supporting people beyond the workplace or organisation while keeping personal financial information private from the organisations providing access.

Strategic distribution partners can include financial advisers, accountants, EAP providers, HR platforms, financial institutions and other professional service organisations. These relationships provide a pathway to reach existing client, employee and membership networks and underpin our B2B2C approach.

Our management structure has been designed around the core priorities of an early-stage technology business moving into commercial scale: product vision, enterprise sales, technology development, strategic partnerships and efficient access to specialist capability.

Our technology and product function supports the continued development, security, AI capability and Open Banking infrastructure required by the platform. Rather than building a large fixed-cost organisation prematurely, we also use specialist technology resources to accelerate development where appropriate.

We complement our internal leadership with external expertise across accounting, R&D tax, financial services, technology and employee wellbeing. This structure gives us access to specialist capability while maintaining the lean operating model reflected in our current stage of development.

The next phase of team development is directly connected to the capital raise. Under our approved use-of-capital allocation, 20% of proceeds is intended for team and recruitment, with key hires anticipated across technology, sales, marketing and customer success. This investment is intended to add execution capacity as commercial activity expands without changing the founder-led strategic direction of the organisation.

Our core product is an AI-powered financial wellbeing platform built to help users understand their financial position, decide what requires attention and take practical action. The experience is designed around a simple progression: connect, review, plan and track.

PulseCheck provides an assessment of financial and broader wellbeing and supports personalised wellbeing scoring. Financial management capabilities include interactive dashboards, budgeting, cashflow monitoring, net worth tracking and goal management. Open Banking connectivity allows users to bring financial account information into the platform and receive insights based on connected financial data.

Alex is our AI-powered financial wellbeing experience. Our August 2026 pitch deck describes Alex as a proactive, always-available financial coach designed to identify issues and support users before financial pressure develops further. The current MyMoneyMedic.ai website positions Alex as a private place to work through questions, organise priorities, understand options, break larger issues into smaller next steps and build practical money habits. Our broader model extends beyond money management. The four pillars — My Money, My Mind, My Body and My Life — recognise that financial stress can influence mental wellbeing, motivation, sleep, physical wellbeing, relationships and decision-making. This framework enables us to place financial information within the broader context of the user's life.

Where digital guidance alone is not sufficient, the Care Portal provides access to relevant professional and wellbeing support. Our website describes this as a pathway for circumstances involving areas such as mental health, gambling, relationships, housing or family stress, with users choosing whether and how they seek further assistance.

For organisations, we provide a scalable financial wellbeing proposition suitable for corporate, club, government and other organisational settings. The client materials also identify enterprise licensing, mentoring, consulting, referrals and potential white-label solutions.

The competitive landscape for MyMoneyMedic.ai spans several categories because our proposition combines capabilities that are commonly offered separately.

Our differentiation is therefore not based on claiming that competitors lack sophisticated financial tools. It is based on how we combine them. MyMoneyMedic.ai brings financial information, AI-powered guidance, behavioural insights, broader wellbeing monitoring and pathways to human support together within the four-pillar My Money, My Mind, My Body and My Life model.

Our current roadmap is structured around three stages: prove, expand and scale.

We are seeking USD $1,000,000 of seed investment at a USD $10,000,000 pre-money valuation, representing approximately 9.1% equity on a post-money basis. The investment structure may be negotiated, including direct equity or a SAFE/convertible note, subject to mutually agreed terms.

Our intended allocation of capital is:

Collectively, the use of capital is designed to address the next stage of our development rather than fund initial concept creation. We already have an operational MVP, early users, partnerships and CDR/Open Banking capability. The purpose of the raise is to accelerate the conversion of that foundation into recurring revenue, broader adoption and a scalable commercial model.

FORWARD-LOOKING STATEMENTS

The financial projections presented in this section, including forecast user growth, revenue, EBITDA, distributions and DCF enterprise value, are based on management’s current expectations, estimates and assumptions. Forward-looking statements are subject to business, financial, operational, regulatory and market risks and uncertainties. Actual results may differ materially, and no representation, warranty or guarantee is given that any projection, target or valuation will be achieved. The projections have not been independently audited, and the DCF enterprise values are indicative estimates rather than current or guaranteed future valuations.

A quantified pathway from 10,000 initial users to 3 million users, supported by increasing revenue and EBITDA.

Total users

Four-year trajectory across users, revenue, EBITDA, distributions and DCF enterprise value.

$m millions, no value shown for 2026