Announcement PDF QUICKFEE FY26 RESULTS PRESENTATION 21 August 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle 21 August 2026 www.quickfee.com 1 QuickFee is a market leader in the high- margin, B2B fee- funding industry for the accounting and legal professions across Australia and the US To learn more about QuickFee, please visit our Investor Hub: www.investorhub.quickfee.com/activity-updates/quickfee-about-us www.quickfee.com 2 WE HELP FIRMS Reduce A/R A/R typically runs high for firms, and we can help turn that A/R into cash Grow the Business There are many priorities competing for cash, and we help find more of it for firms and their clients OUR SOLUTIONS Pay Now | EFT + Card (AU only) Secure digital payments platform for accounting and professional service firms Pay Over Time | QuickFee Finance Exclusive invoice and fee financing for clients to pay over 3,6,9 or 12-months Disbursement funding Helping law firms pay disbursements related to personal injury and disputed estates matters B2B FINANCE + Designed specifically for professional service firms + No invoice maximum for QuickFee Finance + Finance product is B2B only, no consumer credit regulations TRUSTED FOR PAYMENTS AND FINANCING SOLUTIONS SINCE 2009: 700+ PROFESSIONAL SERVICES FIRMS CURRENTLY FINANCED WORLDWIDE $800M LOANS ORIGINATED SINCE INCEPTION OVER TARGET MARKET: PROFESSIONAL SERVICES FIRMS OVER $1M IN ANNUAL REVENUE QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business. 21 August 2026 Targeting Accounting and Legal verticals Focus on professional services firms + Professional services with a business-to-business (B2B) focused customer base + Firm revenue greater than $1M In Accounting and Legal verticals + Accounting or solution providers to accounting (e.g. accounting software or CPA State Society) + Commercial, family law and personal injury law firms Underpins low-risk lending model + Professional accreditations licensing and highly regulated environments require high ethical standards, which significantly reduce counter-party risk in B2B lending + Annual recurring revenue streams for accounting and tax compliance obligations ensure low volatility receivables + Legal work more transactional and larger ticket size drives demand for financing www.quickfee.com 3 21 August 2026 FY26 Performance Overview NPAT positive and attractive dividend yield www.quickfee.com 4 + EBTDA* UP 58% ON PCP + FY26 GUIDANCE ACHIEVED EBTDA + NPAT POSITIVE IN FY26 FY27 EARNINGS GUIDANCE Expected FY27 EBTDA in the range of $4.5 - $5.5 million FY PERFORMANCE (A$M) FY26 FY25 MOVEMENT REVENUE – AUSTRALIA 13.6 12.4 UP 10% REVENUE – USA 4.8 12.9 DOWN 63% TOTAL REVENUE 18.4 25.3 DOWN 27% GROSS PROFIT 10.6 16.3 DOWN 35% EBTDA BEFORE SIGNIFICANT ITEMS 3.8 2.4 UP 58% PROFIT/(LOSS) BEFORE TAX & SIGNIFICANT ITEMS 1.2 (0.9) UP $2.1M PROFIT ON SALE OF US PAY NOW BUSINESS 35.6 - UP $35.6 M PROVISION FOR EXPECTED CREDIT LOSS - (3.4) - PROFIT/(LOSS) BEFORE TAX FOR THE PERIOD 36.8 (4.3) UP $41.1M PROFIT/(LOSS) FOR THE PERIOD 39.3 (4.3) UP $43.6 DILUTED EPS (CENTS) 10.4 (1.3) UP 11.7 cps FINAL DIVIDEND (CENTS) 0.5 - UP 0.5 cps A$2.4M A$3.8M FY25 FY26 *EBTDA shown before profit on sale of US Pay Now business in FY26 and non-recurring credit loss provision in FY25. 21 August 2026 FY26 Highlights Simplified, low-risk, high-margin business model www.quickfee.com 5 Sale of US Pay Now business for US$26.35 million (A$40 million) completed on 9 September 2025 Stable top-line with underlying revenue down 1% on pcp Sustainably profitable operations in both US and AU with low product development requirements Strong growth in disbursement funding loan book in AU, up 51% on pcp Attractive net interest margin of 15.3% reflects low-risk business model Expanded funding facilities up to A$82 million Capital return of 7.5 c per share Started paying dividends with interim and final dividend of 0.5c per share each 21 August 2026 www.quickfee.com 6 + Simplified business model which is profitable in both AU and US + Structural reduction in the operating cost base following sale of US Pay Now business + Operating expenses in FY26 of A$7.6 million, down 45% on pcp + Reported NPAT before profit on sale of $3.7 million, the first ever full year positive NPAT result Structurally profitable with positive EBTDA & NPAT -12.6 -6.5 -3.2 2.4 3.8 FY22 FY23 FY24 FY25 FY26 EBTDA* BY YEAR (A$M) *EBTDA shown before profit on sale of US Pay Now business in FY26 and non-recurring credit loss provision in FY25. ** NPAT shown before profit on sale of US Pay Now business in FY26. -13.5 -8.1 -4.7 -4.3 3.7 FY22 FY23 FY24 FY25 FY26 NPAT** BY YEAR (A$M) 21 August 2026 Strong and stable net interest margin of 15.3% www.quickfee.com 7 + Group NIM increased to 15.3% in Q4 FY26 with steady increases over past two years + Reflects high-margin, low-risk business model + Interest income rates are resilient and price inelastic + Future bank rate increases could impact NIM, as they are not usually immediately reflected in rates charged 14.1% 14.4% 14.6% 14.6% 14.8% 15.0% 15.3% 15.3% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) LTM NIM 21 August 2026 AUSTRALIA: STRONG GROWTH IN LEGAL AU: FY26 Finance revenue up 11% on pcp www.quickfee.com 9 AU Financial Performance A$’M FY26 FY25 %+/- Finance (Pay Over Time) revenue 12.1 10.9 +11% Pay Now (EFT + Card) revenue 1.0 1.0 -% BNPL revenue (product ceased) 0.5 0.5 -% TOTAL REVENUE 13.6 12.4 +10% Interest on loan book borrowings (4.2) (3.3) +27% Other cost of sales (2.2) (1.9) +16% GROSS PROFIT 7.2 7.2 - Gross margin % 53% 58% -500 bps Operating expenses (3.3) (3.1) +6% EBTDA* 3.9 4.1 -5% + Continued revenue growth: AU revenue up 10% to $13.6 million, driven by strong growth in Finance revenue to $12.1 million + Gross margin of 53%: down by 500bps on pcp due to higher interest expense as larger proportion of AUD denominated borrowings post refinancing in June 2025 + EBTDA of $3.9 million down 5% on pcp due to 6% increase in operating expenses + Negligible credit losses *EBTDA = statutory EBITDA less interest expense on loan book borrowings Unallocated expenses are not included in the above segment results. 4.5 6.1 9.1 12.4 13.6 FY22 FY23 FY24 FY25 FY26 AU REVENUE (A$M) 38.1 46.4 55.5 63.7 70.4 FY22 FY23 FY24 FY25 FY26 AU FINANCE TTV (A$M) 21 August 2026 AU: Strong growth in legal + AU Finance TTV up 11% on pcp + Finance plans up 67% to 13,110 due to large growth in lower value DF originations + Active Firms stable at 544 + Finance revenue yield steady at 17.2% + High TTV growth in Q4 FY26 (up 40% on pcp): a large portion of interest income still to be recognised in future periods + Strong growth in DF originations in Q4 FY26 is a result of recent signings of several major law firms, including two $50 million+ revenue firms. Revenue from DF loans is typically recognised over a period up to 3 years, so this growth will deliver revenue growth into FY27 and beyond. www.quickfee.com 10 21 August 2026 UNITED STATES: STRUCTURALLY PROFITABLE US: 69% reduction in opex www.quickfee.com + Finance revenue down 30% on pcp: reflects departure of firms prior to sale of US Pay Now business and termination of a defaulting US firm, with US Finance TTV down 31% on pcp. + Improved gross profit margin to 71%: Reflects a lower net interest expense due to a lower proportion of USD denominated debt post refinancing in June 2025, and a 64% reduction in other costs of sales to A$0.4m. + Positive underlying EBTDA of A$2.2m (before profit on sale of US Pay Now business), with 69% reduction in opex. + Sustainably profitable business into the future * Excluding profit on sale of US Pay Now business in FY26; and one-off credit loss provision expense of US$2.2 million (A$3.4 million) in FY25 **EBTDA = statutory EBITDA less interest expense on loan book borrowings. Unallocated expenses are not included in the above segment results. 12 US Financial Performance A$’M FY26 FY25 %+/- Finance (Pay Over Time) revenue 3.2 4.6 -30% Pay Now (ACH + Card) revenue 1.4 8.1 -83% Connect (software) revenue 0.2 0.1 +100% TOTAL US REVENUE 4.8 12.8 -63% Interest on loan book borrowings (1.0) (2.6) -62% Other cost of sales (0.4) (1.1) -64% GROSS PROFIT 3.4 9.1 -63% Gross margin % 71% 65% +600bps Other income 0.6 - - Operating expenses (1.8) (5.8) -69% EBTDA* BEFORE SIGNIFICANT ITEMS 2.2 3.3 -33% 4.6 5.9 7.3 8.3 3.2 FY22 FY23 FY24 FY25 FY26 US REVENUE (US$M) 16.8 20.9 26.7 29.1 20.1 FY22 FY23 FY24 FY25 FY26 US FINANCE TTV (US$M) 21 August 2026 www.quickfee.com US: Growth potential in US remains significant + Aiwyn purchased QuickFee’s US Pay Now business + delivers payments, practice management and tax solutions to accounting firms + QuickFee has a reseller agreement with Aiwyn, whereby QuickFee's US Finance offering will be embedded into Aiwyn's payments portal. + Aiwyn's customers include approximately 300 of the CPA firms 'Top 500' + QuickFee currently has 130 customers in the 'Top 500' + QuickFee’s US Finance offering to be embedded into Aiwyn’s payment solutions by 31 December 2026 + New incentive structures implemented with Aiwyn team + Potential for stronger growth in Aiwyn reseller volumes in H2 FY27. + QuickFee runs a lean cost base with 3 staff in the US with 12 years’ combined QuickFee experience 13 21 August 2026 FY26 FINANCIALS Statutory Group profit & loss www.quickfee.com 15 *EBTDA = statutory EBITDA less interest expense on loan book borrowings Financial Performance A$’M FY26 FY25 $+/- %+/- Interest revenue 14.3 14.8 -0.5 -3% Revenue from contracts with customers 4.1 10.4 -6.3 -61% TOTAL REVENUE 18.4 25.2 -6.8 -27% Less: interest expense (5.2) (6.0) -0.8 -13% Less: cost of sales (2.6) (2.9) -0.3 -10% GROSS PROFIT 10.6 16.3 -5.7 -35% Gross margin % 58% 65% -700bps Other income 0.8 - +0.8 - General and administrative expenses (4.8) (6.1) -1.3 -21% Selling and marketing expenses (1.1) (1.9) -0.8 -42% Customer acquisition costs (0.9) (2.2) -1.3 -59% Product development expenses (0.8) (3.7) -2.9 -78% EBTDA* BEFORE SIGNIFICANT ITEMS 3.8 2.4 +1.4 +58% Depreciation and amortisation (1.3) (2.5) -1.2 -48% Finance and term loan interest expenses (1.3) (0.8) -0.5 -63% PROFIT/(LOSS) BEFORE TAX & SIGNIFICANT ITEMS 1.2 (0.9) +2.1 +133% Profit on sale of Pay Now business 35.6 - +35.6 - Non-recurring credit loss provision - (3.4) +3.4 - Income tax credit 2.5 - +2.5 - REPORTED NPAT / (LOSS) 39.3 (4.3) +43.6 +920% + Reported revenue: Total reported revenue down 27% to A$18.4 million (FY25: A$25.2 million) + Revenue excluding US Pay Now: down 1% to A$16.8 million (FY25: A$17.0 million) + Gross profit down 35% to A$10.6 million with gross margin down 700bps to 58% (due to disposal of high-margin PayNow business) + Other income: includes interest on cash deposits and release of US card make-good provisions + Significant A$6.3 million reduction in operating expenses across all operating expense line items + Improved profitability: EBTDA (before significant items) of $3.8 million, up 58% on pcp. PBT (before significant items) of $1.2 million + Profit on sale of US Pay Now business of $35.6m + Income tax credit: Charge of $0.5 million on US sale and deferred tax credits for losses $3.0m 21 August 2026 7.1 6.4 6.1 4.8 4.2 FY23 FY24 FY25 FY26 FY26 N GENERAL & ADMINISTRATIVE 3.9 4.2 3.7 0.8 0.2 FY23 FY24 FY25 FY26 FY26 N PRODUCT DEVELOPMENT 2.6 2.8 2.2 0.9 0.6 FY23 FY24 FY25 FY26 FY26 N CUSTOMER ACQUISITION 2.4 2.4 1.9 1.1 1.1 FY23 FY24 FY25 FY26 FY26 N SELLING & MARKETING Structural reduction in operating expenses www.quickfee.com 16 + Reported operating expenses decreased 45% on pcp to A$7.6 million (FY25: A$13.9 million) + Normalised operating expenses (excluding eliminated US costs) decreased 56% to A$6.1 million + Decrease across all line items, with the largest impact on ongoing product development costs, down from $1.8m in H2 FY25 to $0.1m in H1 FY26. + Expected opex to remain broadly in line with normalised* FY26 levels moving forward 16.0 15.8 13.9 7.6 6.1* FY23 FY24 FY25 FY26 FY26 N OPERATING EXPENSES BY YEAR (A$M) *EXCLUDING $1.3M US PAY NOW COSTS AND $0.2M NON-RECURRING G&A COSTS OPERATING EXPENSES BY CATEGORY (A$M) 21 August 2026 Underlying Group profit & loss www.quickfee.com 17 *EBTDA = statutory EBITDA less interest expense on loan book borrowings Financial Performance (FY26 excluding US Pay Now business) A$’M FY26* Interest revenue 14.3 Less: interest expense (5.2) FINANCE GROSS MARGIN 9.1 Finance gross margin % 64% Revenue from contracts with customers 2.5 Less: cost of sales (2.5) GROSS PROFIT 9.1 Gross profit margin % 54% Other income 0.8 General and administrative expenses (4.4) Selling and marketing expenses (1.1) Customer acquisition costs (0.6) Product development expenses (0.2) EBTDA* BEFORE PROFIT ON SALE OF US PAY NOW 3.6 Depreciation and amortisation (1.3) Finance and term loan interest expenses (1.3) PBT BEFORE PROFIT ON SALE OF US PAY NOW 1.0 + The underlying FY26 performance excludes the US Pay Now business and provides the basis for FY27 forecasting + The continuing Finance business in the US and AU delivered A$14.3 million in interest revenue and A$9.1 million in gross profit + Underlying operating expenses reduced significantly in FY26 and are expected to remain relatively stable in FY27 + The continuing business delivered a positive EBTDA (before profit on sale) of $3.8 million and positive NPAT (before profit on sale) of $1 million + QuickFee enters FY27 with a higher loan book and positive momentum, with upside potential from the Aiwyn reseller agreement in H2 FY27 + FTEs at 21 August 2026: 17 (30 June 2025: 36) 3 in US 14 in AU (1x CEO, 9 in business, 4 in finance) 2 non-executive Directors + FY27 earnings guidance is for expected EBTDA in the range of $4.5 - $5.5 million 21 August 2026 Group balance sheet www.quickfee.com 18 A$’M 30 JUNE 2026 30 JUNE 2025 $+/- %+/- Cash and cash equivalents 8.3 13.7 -5.4 -39% Restricted cash held in escrow 1.9 - +1.9 - Loan receivables (current) 63.5 56.4 +7.1 +13% Trade and other current assets 1.4 1.2 +0.2 +17% TOTAL CURRENT ASSETS 75.1 71.3 +3.8 +5% Loan receivables (non-current) 2.4 2.2 +0.2 +9% Fixed assets and other non-current assets 4.4 0.8 +3.6 +450% TOTAL ASSETS 81.9 74.3 +7.6 +10% Borrowings 56.4 53.3 +4.8 +6% Firm settlements outstanding 4.6 11.0 -6.4 -58% Trade and other current liabilities 3.7 3.9 -0.2 -5% TOTAL CURRENT LIABILITIES 64.7 68.2 -1.5 -5% Total non-current liabilities 2.9 0.6 +2.3 +383% TOTAL LIABILITIES 67.6 68.8 -1.2 -2% NET ASSETS 14.3 5.5 +8.8 +160% Contributed equity 25.1 53.0 -27.9 -53% Other reserves (0.6) 0.6 -1.2 -200% Accumulated losses (10.2) (48.1) +37.9 +79% TOTAL EQUITY 14.3 5.5 +8.8 +160% + Cash: A$8.3million unrestricted cash (30 June 2025: A$6.9 + A$6.8 million ‘ACH cash-in-transit’; ACH cash in transit is offset by outstanding settlements current liability) + Loan book growth: AU loan book up 20% from June 2025 to A$56.5 million; US loan book down 12% on June 2025 to US$ 6.6 million + Increase in borrowings and reduction in case funds loan book growth + Net Assets up over 2.5x (160%) to A$14.3 million 21 August 2026 Expanded debt facility to fund future loan book www.quickfee.com 19 A$M 30 JUNE 2026 30 JUNE 2025 $+/- COMMENTS TOTAL CASH 10.2 13.7 -3.5 Comprising: Unrestricted cash on hand 8.3 6.9 +1.4 Operating cash to run the business Restricted cash held in escrow 1.9 - +1.9 To be received as unrestricted cash on 11 September 2026 ACH ‘cash in transit’ - 6.8 -6.8 Transferred to Aiwyn in February 2026, along with corresponding liabilities Other deposits held by third parties 1.7 - +1.7 Held by QuickFee’s US card processor as security for customer non-solicitation commitments To be received at A$75,000 per month from September 2026 to August 2028. Viola credit facility + A$81 million committed facility (AUD 60 million + USD 15 million) + Optional expansion of USD to USD 30 million (total to A$118 million) subject to approval + Drawn to A$53.2 million at 30 June 2026 + Interest margin of 6.5% plus BBSW + Secured against US & AU loan receivables + Advance rate 94% (average) + Maturity June 2028 Fancourt term loan + A$5 million facility: all drawn + Interest margin of 10% plus BBSW + Secured against parent company + Maturity December 2028 21 August 2026 FY27 OUTLOOK Outlook www.quickfee.com 21 Why QuickFee, Why Now + Simple, scalable low credit risk, B2B lending model + Focus on core expertise of accounting and law verticals + Structurally profitable operations in Australia and the US with stable cost base + Positive NPAT and paying dividends at 13% yield* Dividends + Expected final FY26 dividend of 0.5c per share + Expected special dividend of up to 1c per share in Q4 CY26 from the balance of US sale proceeds Continue to consider other potential inorganic opportunities Expected FY27 EBTDA in the range of $4.5 - $5.5 million * Based on a share price of 7.5 cents and 1c per share dividends per annum. 21 August 2026 QUESTIONS To post any questions or feedback on this presentation, we encourage investors to sign up to the QuickFee investor hub at investorhub.quickfee.com/auth/signup CONTACT DETAILS Simon Yeandle, CFO p: +61 2 8090 7700 e: simon.yeandle@quickfee.com Katie Mackenzie, Investor Relations p: +61 455 502 197 e: kmackenzie@belleviewir.com.au https://investorhub.quickfee.com/link/Pw7V3P Disclaimer The material contained in this document has been prepared by QuickFee Limited ACN 624 448 693 (‘company’) and contains general information about the company’s activities current as at the date of this presentation (21 August 2026). By accepting this document, you agree to be bound by the below terms and conditions. This presentation is provided in summary and does not purport to be complete and is intended to be read in conjunction with the company’s other announcements to ASX. The information contained in this presentation is not intended to be relied upon as advice to current shareholders or investors as it does not take into account the investment objectives, financial position or needs of any particular shareholder or investor. Shareholders and investors should assess their own individual financial circumstances and consider talking to a financial adviser or consultant before making any investment decision. This presentation may contain forward looking statements including statements regarding our intent, belief or current expectations with respect to the company’s businesses and operations, market conditions, results of operation and financial condition, capital adequacy, specific provisions and risk management practices. Such statements involve known and unknown risks, uncertainties, assumptions, and readers are cautioned not to place undue reliance on these forward-looking statements. No representation is made as to the accuracy, completeness or reliability of the presentation QuickFee does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events. None of the company, its subsidiaries, nor their respective directors, officers, employees, contractors or agents accepts responsibility for any loss or damage resulting from the use of or reliance on this presentation by any person. While due care has been used in the preparation of forecast information, actual results, performance or achievements may vary in a materially positive or negative manner from those expressed or implied by such statements. Forecasts and hypothetical examples are subject to uncertainty and contingencies outside QuickFee’s control. Past performance is not a reliable indication of future performance and no guarantee of future returns is implied or given. Some of the information in this presentation is based on unaudited financial data which may be subject to change. APPENDIX FY26 Group cash flow www.quickfee.com 25 A$’M FY26 FY25 $+/- %+/- Net cash inflow/(outflow) from operating activities 0.7 1.1 -0.4 -36% Net cash outflow from loan book / firm funding (12.6) (4.4) -8.2 -186% STATUTORY NET OPERATING CASH FLOW (11.9) (3.3) -8.6 -261% NET CASH INFLOW / (OUTFLOW) FROM INVESTING ACTIVITIES 33.8 (0.6) +34.4 +5733% Net equity raising proceeds 0.3 1.3 -1.0 -77% Payment of capital return to shareholders (28.5) - -28.5 - Dividends paid (1.8) - -1.8 - Net borrowings/facility (repayments)/proceeds 4.4 5.9 -1.5 -25% Other (0.9) (-3.1) +2.2 +76% NET CASH (OUTFLOW) / INFLOW FROM FINANCING ACTIVITIES (26.5) 4.1 -30.6 -746% NET CHANGE IN CASH BEFORE FOREIGN EXCHANGE -4.6 +0.2 -4.8 -2300% Reconciliation from profit/(loss) for the period to operating cash flow A$’M FY26 FY25 $+/- %+/- Profit/(loss) for the period 36.8 (4.3) +41.1 +856% Profit on sale of US Pay Now business 35.6 - +35.6 - Non-cash expenses 0.8 6.0 -5.1 -86% Movement in other operating assets and liabilities (1.3) (0.6) -0.8 -160% OPERATING CASH FLOW BEFORE LOAN BOOK GROWTH FUNDING AND PAYMENT PROCESSING MOVEMENTS 0.7 1.1 -0.4 -36% Change in lending working capital (7.9) (6.5) -1.4 -22% Change in payment processing working capital (4.7) 2.1 -6.8 -324 STATUTORY NET OPERATING CASH FLOW (11.9) (3.3) -8.6 -261% Loan and payment processing cashflow negative A$12.6 million, comprising: + Loan book-related cashflow A$(7.9) million due to loan book growth + Payment processing working capital A$(4.7) million due to extinguishing ACH cash-in-transit Proceeds of sale deployed on capital return and debt reduction: investing + financing cash flow net positive A$7.3 million 21 August 2026 Historical metrics - US www.quickfee.com 26 FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) Q1 Q2 H1 Q3 Q4 H2 FY24 Q1 Q2 H1 Q3 Q4 H2 FY25 Q1 Q2 H1 Q3 Q4 H2 FY26 PROFESSIONAL SERVICES US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M PAY NOW ACH 219 298 517 251 360 611 1,128 254 325 579 288 393 681 1,260 227 227 CARD 49 60 109 56 72 128 237 55 71 126 62 79 141 267 45 45 TOTAL PAY NOW VOLUME 268 358 626 307 432 739 1,365 309 396 705 350 472 822 1,527 272 272 FINANCE 'PAY LATER' VOLUME 5.9 7.7 13.6 6.8 6.3 13.1 26.7 6.7 10.0 16.7 7.6 4.8 12.4 29.1 4.8 6.3 11.1 4.6 4.4 9.0 20.1 AVERAGE TRANSACTION SIZE / AVERAGE ORDER VALUE US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ ACH AOV 2,530 2,986 2,793 2,336 2,405 2,386 2,551 2,674 3,009 2,862 2,483 2,549 2,522 1,664 2,838 2,838 CARD AOV 1,779 2,121 1,967 1,666 1,628 1,647 1,790 1,719 1,919 1,832 1,548 1,533 1,533 1,658 1,731 1,731 FINANCE AOV 11,437 11,008 11,194 10,749 9,878 1,0314 10,741 12,294 16,750 14,962 12,358 8,027 10,681 13,138 9,938 11,014 10,549 8,762 8,178 8,477 9,621 OTHER TRANSACTIONAL METRICS TOTAL FINANCE PAYMENT PLANS ORIGINATED IN PERIOD (#000S) 516 695 1,211 629 636 1,265 2,476 545 597 1,142 615 598 1,213 2,355 483 572 1,055 525 538 1,063 2,118 ACTIVE FINANCE FIRMS IN PERIOD (#S) 170 184 239 181 170 274 300 172 181 232 151 156 208 272 PROFESSIONAL SERVICES FINANCE METRICS FY22 FY23 FY24 FY25 FY26 LOAN BOOK BALANCE (GROSS RECEIVABLES LESS EXPECTED CREDIT LOSSES AND UNEARNED INTEREST) US$M Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 Jun-26 $ WEIGHTED AVERAGE LOAN TERM (MONTHS) 9.4 9.7 9.7 9.4 8.7 6.7 7.4 8.1 10.2 9.9 13.4 7.5 7.9 6.6 AVERAGE FLAT INTEREST RATE ON NEW LOANS 7.4% 9.1% 10.3% 10.0% 9.3% AVERAGE APR ON NEW LOANS IN PERIOD 19.9% 21.9% 24.6% 26.1% 25.6% 21 August 2026 US product profitability www.quickfee.com 27 ACH CARD FINANCE CONNECT TOTAL US$000S EXCEPT VOLUME FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 VOLUME US$ M 227 1,260 45 267 20.1 29.1 - - 292.1 1,556.1 FINANCING REVENUE (INTEREST) - - - - 1,963 2,829 - - 1,963 2,829 PAYMENTS AND OTHER REVENUE 792 4,467 201 796 179 180 110 60 1,282 5,503 TOTAL REVENUE 792 4,467 201 796 2,142 3,009 110 60 3,245 8,332 TOTAL REVENUE/VOLUME YIELD % 0.35% 0.35% 0.45% 0.30% 10.7% 10.3% - - 1.11% 0.54% DIRECT PROCESSING COSTS (39) (256) - - - - (7) - (46) (256) NET TRANSACTION MARGIN (NTM) 753 4,211 796 796 3,009 3,009 103 60 3,199 8,076 NTM/REVENUE % 95.1% 94.3% 100.0% 100.0% 100.0% 100.0% 93.6% - 98.6% 96.9% PLATFORM, CREDIT CHECK AND CREDIT STAFF COSTS (14) (102) (3) (18) (158) (294) (2) (40) (177) (454) INTEREST EXPENSE - - - - (703) (1,727) - - (703) (1,727) GROSS TRADING MARGIN 739 4,109 198 778 1,281 988 101 20 2,319 5,895 GROSS MARGIN/REVENUE % 93.3% 92.0% 98.5% 97.7% 59.8% 32.8% 91.8% 33.3% 71.5% 70.8% 21 August 2026 Historical metrics - AU www.quickfee.com 28 FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) Q1 Q2 H1 Q3 Q4 H2 FY24 Q1 Q2 H1 Q3 Q4 H2 FY25 Q1 Q2 H2 Q3 Q4 H2 FY26 PROFESSIONAL SERVICES A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M PAY NOW EFT 6 6 12 5 7 12 24 7 8 15 6 9 15 30 9 9 18 8 10 18 36 CARD 12 13 25 11 16 27 52 15 14 29 14 20 34 63 18 17 35 16 22 38 73 TOTAL PAY NOW VOLUME 18 19 37 16 23 39 76 22 22 44 20.0 29.0 49.0 93.0 27 26 53 24 32 56 109 FINANCE 'PAY LATER' VOLUME 11.0 14.4 25.4 13.1 17.0 30.1 55.5 15.6 16.1 31.7 14.1 17.9 32.0 63.7 15.6 15.0 30.6 14.7 25.1 39.8 70.4 BNPL / Q PAY PLAN 0.6 0.8 1.4 0.9 1.1 2.0 3.4 1.2 1.6 2.8 1.6 1.6 3.2 6.0 1.6 1.1 2.7 AVERAGE TRANSACTION SIZE / AVERAGE ORDER VALUE A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ EFT AOV 964 1,095 1,030 1,203 1,295 1,257 1,128 1,031 1,251 1,148 1,269 1,397 1,346 1,247 1,043 1,245 1,144 1,349 1,392 1,373 1,258 CARD AOV 1,445 1,667 1,560 1,738 1,827 1,791 1,665 1,450 1,519 1,483 1,776 1,790 1,784 1,646 1,459 1,663 1,558 1,740 1,908 1,837 1,703 FINANCE AOV 5,589 7,682 6,664 6,726 7,574 7,226 6,903 8,176 8,156 8,166 8,413 7,872 8,093 8,127 8,062 7,009 7,546 7,704 3,522 5,314 6,399 OTHER TRANSACTIONAL METRICS TOTAL TRANSACTION NUMBERS IN PERIOD (#000S) 13 17 28 15 20 29 51 19 18 37 15 20 35 72 23 20 43 17 26 43 86 ACTIVE FIRMS IN PERIOD (#S) 406 423 470 411 477 479 530 431 437 487 427 490 491 543 440 438 490 436 493 493 544 PROFESSIONAL SERVICES FINANCE METRICS FY22 FY23 FY24 FY25 FY26 LOAN BOOK BALANCE (GROSS RECEIVABLES LESS EXPECTED CREDIT LOSSES AND UNEARNED INTEREST) US$M Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 Jun-26 $ WEIGHTED AVERAGE LOAN TERM (MONTHS) 11.5 11.2 11.3 11.8 11.0 23.2 25.3 31.0 33.0 40.4 42.8 47.2 49.0 56.5 AVERAGE FLAT INTEREST RATE ON NEW LOANS 8.7% 10.1% 11.6% 11.9% 11.1% AVERAGE APR ON NEW LOANS IN PERIOD 21.8% 22.7% 25.4% 25.7% 24.8% 21 August 2026 AU product profitability www.quickfee.com 29 EFT & CARD FINANCE BNPL TOTAL A$000S EXCEPT VOLUME FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 VOLUME A$ M 109 93 70.4 63.7 2.7 6.0 182.1 162.7 FINANCING REVENUE (INTEREST) - - 11,033 10,017 396 442 11,429 10,459 PAYMENTS AND OTHER REVENUE 1,003 954 1,062 878 94 110 2,159 1,942 TOTAL REVENUE 1,003 954 12,095 10,895 490 552 13,588 12,401 TOTAL REVENUE/VOLUME YIELD % 0.9% 1.0% 17.2% 17.1% 18.1% 9.2% 7.5% 7.6% DIRECT PROCESSING COSTS (822) (893) (473) (168) (54) (49) (1,349) (1,110) NET TRANSACTION MARGIN (NTM) 181 61 11,622 10,727 436 503 12,239 11,291 NTM/REVENUE % 18.0% 6.4% 96.1% 98.5% 89.0% 91.1% 90.1% 91.0% PLATFORM, CREDIT CHECK AND CREDIT STAFF COSTS - - (832) (724) (17) (18) (849) (742) INTEREST EXPENSE - - (4,008) (3,040) (170) (301) (4,178) (3,341) GROSS MARGIN 181 61 6,782 6,963 249 184 7,212 7,208 GROSS MARGIN/REVENUE % 18.0% 6.4% 56.1% 63.9% 50.8% 33.3% 53.1% 58.1% 21 August 2026 Glossary www.quickfee.com 30 ACH Automated Clearing House A type of electronic bank-to-bank payment in the US, equivalent to EFT in Australia ACTIVE FIRM Any firm that has had a transaction with QuickFee in the relevant period APR Annual percentage rate The annual rate of interest on payment plans or loans AVERAGE LOAN BOOK Calculated as the average of the gross loan receivables owing, less future unearned interest, less expected credit loss provision, at the start and end of any period BNPL OR Q PAY PLAN BNPL powered by QuickFee QuickFee’s ‘Buy Now, Pay Later’ product to enable a customer to pay their invoice in 3-12 instalments using the unused balance of their credit card CARD / CC Credit card CUSTOMER / CLIENT The customer of a merchant, who will use one of QuickFee’s payment options to pay their invoice DF / LDF Legal Disbursement Funding; a product offered by QuickFee to fund disbursements (usually medico-legal expenses) incurred by law firms on behalf of their clients for personal injury claims. These loans accrue interest daily, interest compounds and the principal and all accrued interest is repaid on the earlier of when each matter concludes and after 36 months from funding. The law firm is the borrower. EFT Electronic funds transfer An Australian domestic payments network that facilitates the transfer of funds electronically FIRM Typically used to describe a professional services firm (e.g. an accounting or law firm) INTEREST REVENUE YIELD (APR) Interest revenue recognised in the relevant period, divided by the average loan book balance for the same period, expressed as a percentage INTEREST EXPENSE / AVERAGE LOAN BOOK Interest expense payable on borrowings supporting the loan books recognised in the relevant period, divided by the average loan book balance for the same period, expressed as a percentage NET INTEREST MARGIN (NIM) [ Interest revenue yield (APR) ] less [ Interest expense / average loan book ], expressed as a percentage QUICKFEE / FINANCE/ LENDING/ PAY OVER TIME QuickFee’s traditional merchant-guaranteed fee funding product that enable customers to take out a payment plan to pay their invoice, while QuickFee settle to the merchant immediately QUICKFEE PAY NOW QuickFee’s payment gateway that enables customers to pay their invoice in full to the merchant with or without taking out a payment plan REVENUE YIELD Revenue recognised in accordance with QuickFee’s accounting standards, divided by TTV, for the relevant product(s) TO