Announcement PDF Results for announcement to the market Previous corresponding period: year ended 30 June 2025 The group has reported a profit for the period of A$39,292,000 (2025: loss of A$4,272,000), with net assets amounting to A$14,339,000 as at 30 June 2026 (2025: A$5,529,000), including cash and cash equivalents of A$8,296,000 (2025: A$13,707,000). Please refer to the ‘review of operations and activities’ on pages 2 to 13 for further explanation of the results. Additional information supporting the Appendix 4E disclosure requirements can be found in the review of operations and activities and the financial statements for the year ended 30 June 2026. Return of capital In December 2025, QuickFee completed a return of capital via an equal share capital reduction of 7.5 cents per ordinary fully paid share to return approximately A$28.5 million of the proceeds of the recent sale of its US Pay Now products. Dividends An interim ordinary dividend of 0.5 cents per share was paid in March 2026 in respect of the half-year ended 31 December 2025. No dividends of QuickFee Limited were paid for the previous financial period. Directors of QuickFee Limited approved a final ordinary dividend in respect of the year ended 30 June 2026. The total amount of the final dividend to be paid is $1.9 million (2025: nil) which represents an unfranked ordinary dividend of 0.5 cents per share (2025: nil). The group does not operate a dividend reinvestment plan. $'000 UP/DOWN $’000 MOVEMENT% Revenuefromordinaryactivities 18,367 Down6,893 -27% Profitfromordinaryactivitiesaftertaxattributabletomembers 39,292 Up43,564 +920% Netprofitfortheperiodattributabletomembers 39,292 Up43,564 +920% QuickFee Limited Appendix 4E Fortheyearended 30 June 2026 Amountpersecurity Frankedamount persecurity Finaldividendforthecurrentperiod 0.5 cents nil Datethefinaldividendispayable 21September2026 Recorddatetodetermineentitlementstothe finaldividend 31August2026 Explanation of figures reported above to enable the figures to be understood QuickFee completed the sale of its US Pay Now (ACH, Card and Connect) products for US$26.35 million on 9 September 2025. This represented an acquisition multiple of 5× revenue, based on the FY25 Pay Now revenue of US$5.3 million. QuickFee continues to retain and operate its US Finance loan book and US Finance product. QuickFee’s US Pay Now products were acquired by Aiwyn, Inc., a US technology company. Aiwyn delivers payments, practice management and tax solutions to accounting firms. The large majority of QuickFee US staff transitioned to Aiwyn. QuickFee established a reseller agreement with Aiwyn, whereby QuickFee’s US Finance offering will be embedded into Aiwyn’s products. QuickFee retains a team in the US to continue to operate and grow the US Finance product, the loan book of which was US$6.6 million as at 30 June 2026. QuickFee recorded a profit on sale of A$35.6 million from the sale of the US Pay Now products. The sale caused operating expenses to fall 45%, delivering a positive EBTDA of A$3.8 million for FY26 before the profit on sale. Net tangible assets per ordinary share Changes in controlled entities The following controlled entities were deregistered during the year ended 30 June 2026: • QuickFee Finance LLC, a dormant US entity • QuickFee GCI LLC, a US special purpose entity for borrowings facility purposes • QuickFee NL Holding LLC, a US special purpose entity for borrowings facility purposes • QuickFee NL Financing LLC, a US special purpose entity for borrowings facility purposes • QuickFee Finance Pty Ltd, an Australian special purpose entity for borrowings facility purposes • QuickFee Financing Pty Ltd, an Australian special purpose entity for borrowings facility purposes • QuickFee WG Financing Pty Ltd, an Australian special purpose entity for borrowings facility purposes There have been no other changes in controlled entities during the year ended 30 June 2026. Foreign entities All foreign entities have adopted the same accounting standards as the Australian parent entity. Audit The financial statements have been audited by the group’s independent auditor without any modified conclusion, disclaimer or emphasis of matter. 30JUNE2026 CENTS 30JUNE2025 CENTS Nettangibleassetsperordinaryshare 2.90 1.43 QuickFee Limited Appendix 4E continued PAYMENTS AND FINANCING FOR PROFESSIONAL SERVICE FIRMS Annual Report 2026 1. Letter from the Chair 2. Review of operations and activities 14. Directors’ report 38. Auditor’s independence declaration 39. Corporate governance statement 40. Financial statements 92. Consolidated entity disclosure statement as at 30 June 2026 93. Directors’ declaration 94. Independent auditor’s report 99. Shareholder information Back cover. Corporate directory CONTENTS QuickFee is a market leader in the high-margin, B2B fee-funding industry for accounting and legal profession across Australia and the United States. Our mission is to help professional service firms get paid faster. Since 2009, QuickFee has been transforming how accounting and legal firms manage cash flow by offering flexible financing options that meet the needs of our firms and their clients. QuickFee ensures firms are paid on time while giving their clients the flexibility to access our firms’ services. Through the QuickFee platform, firms can offer clients multiple secure online payment options - including payment plans over 3-12 months - allowing clients to pay at their own pace while firms receive payment upfront and in full. QuickFee operates a mature, profitable business in Australia with steady growth and a rapidly expanding loan book in legal disbursement funding for personal injury firms. In the United States, QuickFee has an established business with significant opportunity to accelerate its proven growth and strengthen its leadership in lending to accounting firms, supported by a new reseller agreement with a major payments provider. QuickFee’s scalable business model requires minimal ongoing product development and capital expenditure. Backed by an experienced Board and management team with strong investor alignment, QuickFee is well-positioned for continued growth and long-term value creation. QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business. TRUSTED FOR PAYMENTS AND FINANCING SOLUTIONS SINCE 2009: PROFESSIONAL SERVICE FIRMS CURRENTLY FINANCED WORLDWIDE 700+ TARGET MARKET: PROFESSIONAL SERVICE FIRMS OVER $1M IN ANNUAL REVENUE LOANS ORIGINATED SINCE INCEPTION OVER $800M QuickFee Limited ABN 93 624 448 693 QuickFee Limited / Annual Report 2026 1 QuickFee Limited / Annual Report 2026 Dear Shareholders, I am very pleased to report that QuickFee delivered outstanding results for shareholders in FY26, with the sale of our US Pay Now products generating a profit of A$35.6 million, the majority of which was returned to shareholders via a capital return in late 2025. In addition, the underlying business delivered a positive NPAT in FY26 for the first time of $3.7 million (before the profit on sale), thus enabling dividends to be declared, in another first for the Company. We are a market leader in the high-margin, B2B fee- funding industry for accounting and legal professions across Australia and the United States. We now have a simplified business model, which operates at an attractive net interest margin (NIM) of 15.3% which has grown steadily over time with low volatility on a quarterly basis. We have a mature and profitable business in Australia with a strong growth profile and a significant opportunity to accelerate growth in the US through a reseller agreement with a major payments provider, Aiwyn. The FY26 results show a significant improvement in profitability on a stable revenue base. Group revenue of A$16.8 million from ongoing operations, was down 1% on normalised pcp (excluding US Pay Now). Revenue from Australian operations was up 10% on pcp to A$13.6 million, however this was offset by weaker US Finance volumes and the delayed integration of QuickFee’s Finance solution into the Aiwyn payments portal, now expected in December 2026. The group delivered over A$100 million in Finance Total Transaction Value (TTV) in FY26 across both Australia and the US. AU Finance TTV was up 11% to A$70.4 million with Finance revenue yield stable at 17.2% and US Finance TTV was 31% lower on pcp at US$20.1 million with a Finance revenue yield of 10.7%. Underlying profitability improved significantly year-on- year, with operating expenses down 45% and EBTDA up 58% to $3.8m. And we delivered our first positive NPAT year, a major operating milestone. Following the sale of the US products, we were delighted to welcome QuickFee Founder and Executive Director, Bruce Coombes, back into the CEO role. Bruce now has executive responsibility for the US Finance business as well as his existing role running the Australian business. Towards the end of the financial year, we expanded our debt facilities and further strengthened our balance sheet. The Australian dollar receivables-backed dollar credit facility commitment with Viola increased from A$45 million to A$60 million, providing an additional A$15 million in headroom to grow the Australian Fee Funding and Disbursement Funding loan books. We updated our capital management policy in late 2025, which announced our intention to pay dividends of a minimum of 1cps per annum. In February, we announced an interim dividend of 0.5cps and I am pleased to announce a final dividend of 0.5cps. In addition, we expect to announce a special dividend of up to 1cps, later in 2026, following the finalisation of all post sale escrowed amounts from Aiwyn. We enter FY27 with a simpler, streamlined business, which is mature, profitable and generating strong dividends for shareholders. We expect continued growth in the Australian market and we remain optimistic in the growth potential in the US market following the integration of the QuickFee Finance solution into the Aiwyn payment platform in December 2026. Thank you to my fellow Non-Executive Board Member, Michael McConnell, together with the dedicated team at QuickFee, led by Bruce Coombes, for navigating the significant operational changes throughout the year and for delivering a great outcome for shareholders. I would like to bid farewell and thank you to Simon Yeandle who departs in the coming months – Simon has overseen our finance function through enormous growth, and his contribution has been outstanding. Lastly, I would like to acknowledge the continued support of our shareholders through this transition year as we build a sustainable, profitable business moving forward. Yours sincerely, Dale Smorgon Non-Executive Chairman Letter from the Chair QuickFee Limited / Annual Report 2026 2 In FY26, QuickFee simplified its business model and returned to its core business, with the divestment of its US Pay Now products (ACH, Card and Connect). The US operations are now focussed solely on the Finance product. The group delivered over A$100 million in Finance total transaction value (TTV) in FY26 across both Australia and the US. Reported revenue was down 27% to A$18.4 million, however the underlying business revenue - excluding divested products – was down 1% on a like-for-like basis. The sale of the US Pay Now products led to a 45% reduction in total operating expenses in FY26 on pcp. EBTDA (excluding the profit on sale in FY26 and non-recurring credit loss provisions in FY25) was A$3.8 million, up 58% from A$2.4 million in FY25. Importantly, this improved profitability delivered positive reported NPAT of A$3.7m (FY25: loss of A$0.9 million) (again before non-recurring significant items). QuickFee paid an interim dividend of 0.5 cents per share and has proposed a final dividend of 0.5 cents per share, in line with its updated capital management strategy. Reviewofoperationsand activities QuickFee sells US Pay Now products and returns to profitable core operations 3 QuickFee Limited / Annual Report 2026 KEY HIGHLIGHTS FOR FY26 + Sale of US Pay Now products for US$26.35 million completed on 9 September 2025 + Profit on sale of US Pay Now products of A$35.6 million recorded + Return of capital to shareholders of 7.5 cps (total A$28.5 million) + Appointment of QuickFee Founder and Director Bruce Coombes as CEO, assuming executive responsibility for the US Finance business as well as his existing role running the Australian business + Capital management and dividend policy announced, with the intention of shareholder distributions of a minimum of 1 cent per share per annum + Recent new Disbursement Funding signings in Australia expected to deliver strong origination growth + Strengthened net interest margin (NIM) to 15.3% in FY26 + Australian dollar credit facility expanded from A$45 million to A$60 million + Strong finish to FY26 with AU Finance TTV up 40% in Q4 FY26 + Positive outlook and momentum into FY27 for continued profitable AU Finance & US Finance operations Reviewofoperationsand activities Continued SALE OF US PAY NOW PRODUCTS QuickFee completed the sale of its US Pay Now (ACH, Card and Connect) products for US$26.35 million. This represented an acquisition multiple of 5x revenue, based on the FY25 Pay Now revenue of US$5.3 million. QuickFee retained its US Finance loan book and US Finance product. QuickFee’s US Pay Now products were acquired by Aiwyn, Inc., a US technology company. Aiwyn delivers payments, practice management and tax solutions to accounting firms. The large majority of QuickFee US staff transitioned to Aiwyn. QuickFee established a reseller agreement with Aiwyn, whereby QuickFee’s US Finance offering will be embedded into Aiwyn’s products. QuickFee retains a team in the US to continue to operate and grow the US Finance business, the loan book of which was US$6.6 million as at 30 June 2026. RETURN OF CAPITAL In December 2025, QuickFee completed a return of capital via an equal share capital reduction to return approximately A$28.5 million of the proceeds of the recent sale of its US Pay Now products. The balance of proceeds, after transaction costs and escrowed deposits, were deployed in the business and to reduce its current level of borrowings in line with its existing policy of keeping a minimum level of cash on hand to run the business, in order to minimise borrowing costs. QuickFee Limited / Annual Report 2026 4 Fee Funding TheFeeFundingproductallowsclientstopayover 3,6,9or12monthswhilethefirmgetspaidinfull withinthreebusinessdaysatnocosttothefirm, usuallywithnocreditapprovalprocessfortheclient. Revenueisgeneratedfromtheinterestpaidbythe clientsofprofessionalservicesfirmswhenthey takeoutapaymentplantopaythefeeinvoicesthey receive. Asrevenueisrecognisedoverthelifeoftheloan term,loanoriginationgrowthinanyquarterwill positivelyimpactrevenueinbothcurrentandfuture quarters.Similarlyoriginationsdeclininginany quarteradverselyimpactfuturerevenue. Legal Disbursement Funding (LDF) (AU ONLY) TheLDFproductprovidescashflowforpersonal injuryandestatelawfirmstopaydisbursementson theirclients’matters,whichneedtobepaidduring thecourseofeachmatter.Fundsareremittedto thefirmwithinonedayofadrawdownrequestbeing made.Eachloanagreementisdirectlywiththefirm, avoidinganyconsumercreditimplications. Interestiscalculateddailyandcompoundsmonthly. Theloanprincipalandaccruedinterestisrepayable infullbythefirmontheearlierofwheneachclient mattersettlesand36months,regardlessofthe outcomeofthematter.Revenueisrecognisedover thelifeoftheloanterm,whichresultsinrevenue recognitiononexistingloansindependentofnew loanoriginations. Reviewofoperationsand activities Continued QUICKFEE FINANCE 5 QuickFee Limited / Annual Report 2026 REVENUE In FY26, QuickFee generated A$16.8 million in revenue from ongoing operations, down 1% on normalised pcp i.e. like-for-like excluding US Pay Now products. Reported group revenue was down 27% to A$18.4 million for FY26 (FY25: A$25.3 million), reflecting the sale of the US Pay Now products effective 9 September 2025. Interest revenue was down 3% to A$14.3 million (FY25: A$14.8 million) and payments and other revenue decreased 62% to A$4.0 million (FY25: A$10.4 million). QuickFee’s core operations delivered an attractive net interest margin (NIM) of 15.3% in FY26. This net interest margin has grown steadily over time with low volatility on a quarterly basis. This reflects QuickFee’s robust business model in the high-margin, B2B fee-funding industry for the accounting and legal professions across Australia and the United States. QuickFee recorded a profit on sale of A$35.6 million from the sale of the US Pay Now products. Underlying FY26 revenue down 1% on pcp, delivering attractive net interest margin with strong growth potential Reviewofoperationsand activities Continued Financial Performance GROUP REVENUE BY YEAR (A$M) FY26 18.4 25.3 FY25 FY24 20.3 FY23 14.8 FY22 10.9 GROUP REVENUE A$16.8M** FY26 A$1.6M* FY25 A$17.0M** A$8.2M* * REVENUE FROM PRODUCTS SOLD ** UNDERLYING REVENUE QuickFee Limited / Annual Report 2026 6 SUMMARY PROFIT AND LOSS REVENUE ANALYSIS A$’000 FY26 FY25 YEAR-ON-YEAR MOVEMENT US ACH (PAY NOW) 1,168 6,891 -83% US CARD (PAY NOW) 296 1,230 -76% US FINANCE (PAY LATER) 3,154 4,643 -32% CONNECT 161 95 69% US REVENUE 4,779 12,859 -63% AU FINANCE (PAY LATER) 12,095 10,895 +11% AU PAY NOW 1,003 954 +5% AU BNPL 490 552 -11% AU REVENUE 13,588 12,401 +10% GROUP REVENUE 18,367 25,260 -27% A$’000 FY26 FY25 YEAR-ON-YEAR MOVEMENT GROUP REVENUE 18,367 25,260 -27% GROSS PROFIT 10,621 16,310 -35% GROSS MARGIN % 58% 65% -700bps OTHER INCOME 782 5 +15,540% OPERATING EXPENSES (7,606) (13,919) -45% EBTDA BEFORE SIGNIFICANT ITEMS 3,797 2,396 +58% DEPRECIATION AND AMORTISATION (1,283) (2,482) -48% FINANCE EXPENSES (1,300) (813) +60% PROFIT/(LOSS) BEFORE TAX AND SIGNIFICANT ITEMS 1,214 (899) +135% PROFIT ON SALE OF US PAY NOW PRODUCTS 35,610 - - NON-RECURRING PROVISION FOR EXPECTED CREDIT LOSS - (3,373) - PROFIT/(LOSS) BEFORE TAX FOR THE PERIOD 36,824 (4,272) +862% EARNINGS/(LOSS) PER SHARE (CENTS) 10.4 (1.3) +11.7cps INCOME TAX CREDIT 2,468 - - PROFIT/(LOSS) FOR THE PERIOD 39,292 (4,272) 920% Reviewofoperationsand activities Continued 7 QuickFee Limited / Annual Report 2026 Reviewofoperationsand activities Continued EXPENSES QuickFee refinanced its loan book borrowings facility in late June 2025, at slightly lower rates. This refinance, coupled with repaying borrowings from the proceeds of the sale of the US Pay Now products, resulted in operating interest expense decreasing by 13% to A$5.2 million (FY25: A$6.0 million). Other cost of sales decreased by 14% to A$2.5 million (FY25: A$2.9 million). While cost of sales in Australia increased by A$0.35 million, US cost of sales decreased by A$0.75 million as a result of the US Pay Now sale. Operating expenses were down 45% to A$7.6 million (FY25: A$13.9 million), primarily driven by removal of overheads associated with the US Pay Now products, including staff across all categories. General and administrative expenses were down A$1.3 million on FY25; sales and marketing and customer acquisition costs were down A$2.1 million in aggregate; and product development costs reduced A$3.0 million. Net bad debt write-offs in FY26 were A$14,000, 0.01% of total lending (FY25: 0.01%). The average write-off to lending ratio over the last 5 years since FY22 is 0.78%. The provision for expected credit losses (ECL) at 30 June 2026 was $144,000. The general ECL provision is 0.2% of the total loan receivables at 30 June 2026 (30 June 2025: 0.2%). The group’s depreciation and amortisation charge decreased to A$1.3 million (FY25: A$2.5 million) due to prior year accelerated amortisation of previously capitalised costs arising from the establishment of existing borrowing facilities, which were replaced in the second half of FY25. The group reported a positive EBTDA of A$3.8 million (excluding the profit on sale of the US Pay Now products in the current period), a A$1.4 million improvement over FY25 (A$2.4 million). QuickFee delivered positive group profit before tax of A$1.2 million (FY25: loss of A$0.9 million) before the profit on sale. After a A$2.5 million income tax credit, reported profit after tax and after the profit on sale was up $43.6 million to $39.3 million. LAST 12 MONTHS NET INTEREST MARGIN GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) 14.1% 14.4% 14.6% 14.6% 14.8% 15.0% 15.3% 15.3% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 A$’000 FY26 FY25 YEAR- ON-YEAR MOVEMENT GENERAL AND ADMINISTRATIVE 4,840 6,120 -21% SELLING AND MARKETING 1,075 1,855 -42% CUSTOMER ACQUISITION 913 2,200 -59% PRODUCT DEVELOPMENT 778 3,744 -79% TOTAL OPERATING EXPENSES 7,606 13,919 -45% OPERATING EXPENSES QuickFee Limited / Annual Report 2026 8 Reviewofoperationsand activities Continued HALF-ON-HALF FINANCIAL PERFORMANCE A$’000 H1 FY24 H2 FY24 H1 FY25 H2 FY25 H1 FY26 H2 FY26 GROUP REVENUE 9,255 11,040 11,719 13,541 10,134 8,233 GROSS PROFIT 5,707 6,920   7,589 8,721 6,218 4,403 GROSS MARGIN % 62% 63% 65% 64% 61% 53% OTHER INCOME 3 2 3 2 160 622 OPERATING EXPENSES (8,385) (7,426) (7,268) (6,651) (4,352) (3,254) EBTDA BEFORE PROFIT ON SALE (2,675) (504) 324 2,072 2,026 1,771 DEPRECIATION AND AMORTISATION (516) (602) (1,332) (1,150) (567) (716) FINANCE AND TERM LOAN INTEREST EXPENSES (173) (196) (218) (595) (617) (683) (LOSS)/PROFIT BEFORE TAX AND SIGNIFICANT ITEMS (3,364) (1,302) (1,226) 327 842 372 SIGNIFICANT ITEMS H2 FY25: LOAN RECEIVABLES LOSS PROVISION H1 FY26: PROFIT ON SALE OF US PAY NOW PRODUCTS - - - (3,373) 35,610 - (LOSS)/PROFIT BEFORE TAX (3,364) (1,302) (1,226) (3,046) 36,452 372 INCOME TAX CREDIT - - - - - 2,468 (LOSS)/PROFIT FOR THE PERIOD (3,364) (1,302) (1,226) (3,046) 36,452 2,840 EBTDA BY YEAR (A$M) FY26 FY22 FY23 FY24 FY25 -12.6 -6.5 -3.2 2.4 3.8 9 QuickFee Limited / Annual Report 2026 Reviewofoperationsand activities Continued BALANCE SHEET Net assets at 30 June 2026 amounted to A$14.3 million (30 June 2025: A$5.5 million), an increase of A$8.8 million. At 30 June 2026, the Company had unrestricted cash on hand and immediately available further funds based on current loan receivables, totalling A$6.7 million. QuickFee expanded its Australian dollar receivables- backed dollar credit facility commitment with Viola Credit (“Viola”), from A$45 million to A$60 million. The availability ofthisincreaseinborrowingheadroomwasincludedinthe originalrefinancingagreementcompletedinJune2025 and was subject to Viola’s approval. The increase will provide an additional A$15 million in headroom to grow the Australian Fee Funding and DF books. The USD facility, also with Viola Credit, currently has a US$15 million limit with further expansion to US$30 million available, subject to approval. After the increase of the AUD facility, QuickFee has further global borrowing growth capacity of A$26.4 million from its facilities to fund future loan book growth. The growth in the Finance product in Australia has meant the total loan book has grown 12% to A$65.9 million at 30 June 2026 (30 June 2025: A$58.6 million). AU LOAN BOOK A$M FEE BNPL DF 47.2 56.5 JUN 2025 17.6 26.8 2.8 JUN 2026 0.7 29.2 26.6 US LOAN BOOK US$M JUN 2025 7.5 JUN 2026 6.6 QuickFee Limited / Annual Report 2026 10 Reviewofoperationsand activities Continued AUSTRALIAN COMMENTARY SEGMENT RESULTS AU revenue increased 10% to A$13.6 million (FY25: A$12.4 million), reflecting an 11% increase in AU Finance TTV to A$70.4 million (FY25: A$63.7 million) and Finance revenue yield stable at 17.2%,up 10 bps on pcp. The legal disbursement funding book now comprises 47% of the AU loan book. Recent legislated changes required BNPL operators in Australia to hold an Australian Credit Licence (ACL). QuickFee has now been granted an ACL, which allows the Company to continue to offer BNPL products and also certain other credit products to consumers in Australia under the National Credit Code. However, due to the very onerous compliance requirements now in place to underwrite BNPL consumers (borrowers) under the National Consumer Credit Protection Act, and the immaterial level of profit currently derived from the BNPL product, new originations of BNPL loans were discontinued from December 2025. The existing BNPL loan book is currently being run-off and is expected to be materially cleared by December 2026. AU REVENUE (A$M) FY26 13.6 12.4 FY25 FY24 9.1 FY23 6.1 FY22 4.5 AU FINANCE TTV (A$M) FY26 70.4 63.7 FY25 FY24 55.5 FY23 46.4 FY22 38.1 A$’000 FY26 FY25 +/- % AUSTRALIA REVENUE 13,588 12,401 10% GROSS PROFIT 7,212 7,208 0% UNDERLYING EBTDA 3,903 4,107 -5% 11 QuickFee Limited / Annual Report 2026 UNITED STATES COMMENTARY SEGMENT RESULTS *excludestheimpactofthesaleoftheUSPayNowproducts in FY26 and loan receivables loss provision in FY25. The profit on sale of the US Pay Now products is split across the US operating segment and the parent company. Refer to note 1 to the financial statements for more details. Reported US revenue decreased by 63% on pcp to A$4.8 million (FY25: A$12.9 million), reflecting the sale of the US Pay Now business, as well as weaker US Finance volumes. This was in line with expectations as US Finance volumes were adversely impacted by the termination of new loan originations from one US firm who defaulted on its repayments (see ASX release dated 4 June 2025 for more details). Importantly, the underlying US business is performing well with revenue yields increasing by 40 bps on pcp to 10.7% in FY26. The US loan book was US$6.6 million as at 30 June 2026. QuickFee has established a reseller agreement with Aiwyn (the organisation that purchased QuickFee’s US Pay Now business), whereby QuickFee’s US Finance offering is being embedded into Aiwyn’s products. This reseller agreement creates the opportunity for QuickFee to offer its Finance product to Aiwyn’s customers which include approximately 300 of the CPA firms ‘Top 500’. Aiwyn have established plans to expose the QuickFee Finance solution to their customers commencing in January 2027. QuickFee has three employees in the US, all of whom worked for QuickFee prior to the divestment, to support growthoftheUSFinanceloanbookthroughboththe Aiwynresellerchannelandotherdirectsaleschannels.This teamhasacombined12years’experiencewithQuickFee. QuickFee now has negligible product development expenses and capex requirements in the US, thus significantly improving the profitability and scalability of the US operations. US REVENUE US$M FY26 3.2 8.3 FY25 FY24 7.3 FY23 5.9 FY22 4.6 US FINANCE TTV (US$M) FY26 20.1 29.1 FY25 FY24 26.7 FY23 20.9 10 20 30 FY22 16.8 A$’000 FY26 FY25 +/- % UNITED STATES REVENUE 4,779 12,859 -63% GROSS PROFIT 3,409 9,102 -63% EBTDA BEFORE SIGNIFICANT ITEMS* 2,253 3,319 -32% EBTDA 17,584 (54) +32,663% Reviewofoperationsand activities Continued QuickFee Limited / Annual Report 2026 12 Reviewofoperationsand activities Continued AUSTRALIA PRODUCT TTV PERFORMANCE FY26 FY25 Q1 Q2 Q3 Q4 FY26 Q1 Q2 Q3 Q4 FY25 TOTAL TRANSACTION VOLUMES A$M EFT & CARD (PAY NOW) TTV 27 26 24 32 109 22 22 20 29 93 GROWTH VS. PCP 23% 18% 20% 10% 17% 22% 16% 25% 26% 22% FINANCING (PAY LATER) TTV 15.6 15.0 14.7 25.1 70.4 15.6 16.1 14.1 17.9 63.7 GROWTH VS. PCP 0% -7% 4% 40% 11% 42% 12% 8% 5% 15% BNPL TTV 1.6 1.1 - - 2.7 1.2 1.6 1.6 1.6 6.0 GROWTH VS. PCP 33% -31% -100% -100% -55% 100% 100% 78% 45% 76% FINANCE PLANS AND FIRM NUMBERS FINANCE PLANS IN QUARTER 1,935 2,140 1,908 7,127 13,110 1,908 1,974 1,676 2,274 7,832 GROWTH VS. PCP 1% 8% 14% 213% 67% -3% 6% -14% 1% -3% ACTIVE FINANCE FIRMS 440 438 436 493 544 437 431 427 490 543 GROWTH VS. PCP 1% 2% 2% 1% 0% 8% 2% 4% 3% 2% PRODUCT PROFITABILITY SUMMARY FY26 FY25 A$000S EXCEPT WHERE STATED EFT & CARD FINANCE BNPL TOTAL EFT & CARD FINANCE BNPL TOTAL VOLUME A$M 109 70.4 2.7 182.1 93 63.7 6.0 162.7 FINANCE REVENUE (INTEREST) - 11,033 396 11,429 - 10,017 442 10,459 PAYMENTS AND OTHER REVENUE 1,003 1,062 94 2,159 954 878 110 1,942 TOTAL REVENUE 1,003 12,095 490 13,588 954 10,895 552 12,401 TOTAL REVENUE/VOLUME YIELD % 0.9% 17.2% 18.1% 7.5% 1.0% 17.1% 9.2% 7.6% DIRECT PROCESSING COSTS (822) (473) (54) (1,349) (893) (168) (49) (1,110) NET TRANSACTION MARGIN (NTM) 181 11,622 436 12,239 61 10,727 503 11,291 NTM/REVENUE % 18.0% 96.1% 89.0% 90.1% 6.4% 98.5% 91.1% 91.0% PLATFORM, CREDIT CHECK AND CREDIT STAFF COSTS - (832) (17) (849) - (724) (18) (742) INTEREST EXPENSE - (4,008) (170) (4,178) - (3,040) (310) (3,341) GROSS TRADING MARGIN (GTM) 181 6,782 249 7,212 61 6,963 184 7,208 GTM/REVENUE % 18.0% 56.1% 50.8% 53.1% 6.4% 63.9% 33.3% 58.1% 13 QuickFee Limited / Annual Report 2026 UNITED STATES PRODUCT TTV PERFORMANCE FY26 FY25 Q1 Q2 Q3 Q4 FY26 Q1 Q2 Q3 Q4 FY25 TOTAL TRANSACTION VOLUMES US$M ACH (PAY NOW) TTV 227 - - - 227 254 325 288 393 1,260 GROWTH VS. PCP -11% -100% -100% -100% -82% 16% 9% 15% 9% 12% CARD (PAY NOW) TTV 45 - - - 45 55 71 62 79 267 GROWTH VS. PCP -18% -100% -100% -100% -83% 12% 18% 11% 10% 13% FINANCING (PAY LATER) TTV 4.8 6.3 4.6 4.4 20.1 6.7 10 7.6 4.8 29 GROWTH VS. PCP -28% -37% -39% -8% -31% 14% 30% 12% -24% 9% FINANCE PLANS AND FIRM NUMBERS FINANCE PLANS IN QUARTER 483 572 525 538 2,118 545 597 615 598 2,355 GROWTH VS. PCP -11% -4% -15% -10% -10% 6% -14% -2% -6% -5% ACTIVE FINANCE FIRMS 172 181 151 156 272 170 184 181 170 300 GROWTH VS. PCP 1% -2% -17% -8% -9% Reviewofoperationsand activities Continued PRODUCT PROFITABILITY SUMMARY FY26 FY25 US$000SEXCEPTWHERESTATED ACH CARD FINANCE CONNECT TOTAL ACH CARD FINANCE CONNECT TOTAL VOLUMES US$M 227 45 20.1 - 292.1 1,260 267 29.1 - 1,556.1 FINANCE REVENUE (INTEREST) - - 1,963 - 1,963 - - 2,829 - 2,829 PAYMENTS AND OTHER REVENUE 792 201 179 110 1,282 4,467 796 180 60 5,503 TOTAL REVENUE 792 201 2,142 110 3,245 4,467 796 3,009 60 8,332 TOTALREVENUE/VOLUMEYIELD% 0.35% 0.45% 10.7% - 1.11% 0.35% 0.30% 10.3% - 0.54% DIRECT PROCESSING COSTS (39) - - (7) (46) (256) - - - (256) NETTRANSACTIONMARGIN(NTM) 753 201 2,142 103 3,199 4,211 796 3,009 60 8,076 NTM/R