Global Receivables Management Inc. · TSXV:GRMI
Global Receivables Management — Everyday People Financial — Investor Presentation (March 2023)
23 slides from Global Receivables Management's investor presentation, March 2023
Slide 1: Everyday People Financial - March 2023
@DeEverydayPeople FINANCIAL - \4 = “Helping everyday people become their best financial selves. TSX-V: EPF | March 2023
Slide 2: Disclaimers
Disclaimers Forward-Looking Information This presentation contains “forward-looking information" or “orward-looking statements" within the meaning of applicable securities legislation (collectively, forward-looking statements"). Forward-looking statements are included to provide information about ma
Slide 3: Overview
Overview
Slide 4: Company At-a-Glance
Company At-a-Glance Helping everyday people gain access to credit, prepaid programs, credit rebuilding programs, and the opportunity for homeownership. | Experienced leadership team with a proven track record and extensive credit and collections expertise | Proprietary digital finance platforms capa
Slide 5: Innovative Business Lines
Innovative Business Lines b 00 | acnue cycle SMART Smart Everyday People EVERYDAY PEOPLE . j Health Spending Accounts collections Management - UK eq penaing 4 4 Facilitating Homeownership Prepaid Card Offerings s J J ° EP Care . EP Climb Credit Health & Wellness Financing Credit Cards, Savings Loans
Slide 6: Investment Highlights
Investment Highlights Large Underserved Market Targeting the underserved borrower Fair and equitable fitfor-purpose credit solutions Differentiated Business Model Revenue from facilitating loan and credit financing without using EP’s own capital Atech enabled ecosystem of B2B partners and clients th
Slide 7: Market Opportunity
Market Opportunity
Slide 8: Credit Access and Inclusion for Everyday People
Credit Access and Inclusion for Everyday People oO CREDIT SERVICES INC bpo collections Bridge to Homeownership® Program Borrowers who are. creditworthy and income capable but lack capital Business Process Outsourcing Near-Prime & Credit Worthy Customer Patients Sub-Prime Customer Approx. 2.5 million
Slide 9: Total Addressable Market
Total Addressable Market Serving the underserved and underrepresented borrower. Canada UK Alternative and Specialty 76 million credit cards 59 million credit cards Financial Services $294 billion consumer debt $125 billion consumer debt ~260,000 first-time home buyers per year”) ~356,000 first-time
Slide 10: Socially Responsible Finance
Socially Responsible Finance A customer centric approach to help hard-working everyday people get ahead in their lives sooner. (=) @ ~ More Affordable Credit Builder Transparency Continuous Support 8 Using proprietary methods Through alternate methods A strong focus on simplicity, Providing financia
Slide 11: Growth Strategy
Growth Strategy
Slide 12: Growth Strategy
Growth Strategy Infrastructure is in place and ready to scale! New Products Expand Partner Network and New Verticals Launch a full suite of products that can grow with | Continue adding new business partners to the everyday people ; distribution channel Enter new financing verticals through its B2B
Slide 13: Maximizing Customer Lifetime Value
Maximizing Customer Lifetime Value Developing a comprehensive suite of credit solutions that are Product offering that addresses different life events and accessible where and when borrowers need them can grow with everyday people through their life stages Consumer lending Health and wellness financ
Slide 14: Partnership Model Lowers Costs and Expands Reach
Partnership Model Lowers Costs and Expands Reach Partnership programs create a competitive advantage for EP to lower acquisition costs and win market share. FACILITATING REVENUE CYCLE MANAGEMENT HOMEOWNERSHIP bp0 Yay! collections oo cp ely PEOPLE (ce) cp [c-e] End User Target Markets Sales Channels
Slide 15: Digital Finance Ecosystem
Digital Finance Ecosystem Everyday people will be able to access credit solutions and prepaid programs easily through merchant channel partners that connect to the digital ecosystem via plug-ins, direct-to-consumer mobile, and web-based apps. List of Partners Be 28itlace ~CARTA WORLDWIDE ATB Financi
Slide 16: Financial Highlights
Financial Highlights
Slide 17: Recurring and Predictable Revenue Model
Recurring and Predictable Revenue Model Scalable business model primarily driven by recurring revenue streams. Fee-based Revenue + Recurring Revenue + Transaction Revenue | Activation fee | Interest revenue | Interchange fee on | Facilitation fee | Monthly credit facility fee or purchase transaction
Slide 18: Key Financial Highlights
Key Financial Highlights Net Revenue (CAD in thousands) % Year-over-year growth Growth Priorities ° $17,713 | Maintain steady revenue growth and continuously +31% optimize mature business segments | Scale proven operating models through partnership channels and digital lead generation $13,567 | Buil
Slide 19: Capital Structure
Capital Structure TSX-V: EPF 45% Ticker Insiders URRENT STRI SHARE CAPIT, TES * 66,042,294 (59%) 36 months staged release from September 8, 2022 * 2,010,000 (2%) 18 months staged release from Issued & September 8, 2022 Outstanding Shares —«‘'18.976.539 1.781485 (2%) fourmonths release from Devember
Slide 20: Team
Slide 21: Management Team
Barret Reykdal CEO, Everyday People Financial Corp, Management Team Adelhardt Glombick Vice President of Finance, Everyday People Financial Corp. Co-founder of Everyday People Financial Corp. and its subsidiaries with 20+ years as an experienced operator in the financial services sector with experti
Slide 22: Board of Directors
Board of Directors Remo Mancini /CD.D Chairperson and Director, Everyday People Financial Corp. 40+ years of experience working in senior business, politcal, egal, and financial circles. Former Ontario Minister of Revenue and former Chaitman of NASDAQ listed Riot Blockchain. Nitin Kaushal CPA, CA Ch
Slide 23: Everyday People Financial Corp. contact
lds, Everyday People Financial Corp. Suite #450, 11150 Jasper Avenue e Edmonton, AB TSK OC7 EverydayPeople Consumer websites: everydaypeoplefinancial.com FINANCIAL Investor relations: letsconnect@epfinancial.ca
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