#039;M FY20 FY21 FY22 %+/- Financing revenue 5.7 4.7 5.1 +9%  Financing revenue up 9% Payments & other revenue 2.8 4.1 5.7 +39% Total revenue 8.5 8.8 10.8 +23%  Total revenue up 23% Gross profit 5.7 6.3

Slide 5: Professional Services

Professional Services

Slide 6: Key benefits to professional service firms

Key benefits to professional service firms Cash flow improvement Get paid upfront every time when customers can choose low-interest financing. Spend less on collections It shouldn’t take months to get paid for your work. Cut down on collections with payment plans. Close faster with prospects With ac

Slide 7: US: FY22 Professional Services Summary

US: FY22 Professional Services Summary Fast-growing volumes and profitability within a low credit risk business model  More and more accounting and law firms, and their clients, are embracing e-invoicing and online payments  This structural shift has led to new merchant growth, with active merchan

Slide 8: AU: FY22 Professional Services Summary

AU: FY22 Professional Services Summary Strong recovery in lending  There was a strong recovery in client demand for borrowing in FY22, as seen by the 17% increase in active customers to 35,000 vs FY21 and an even higher growth in Financing TTV of 24% to A$38.1 million (FY21 A$30.8 million)  The ac

Slide 9: Buy Now, Pay Later

Buy Now, Pay Later

Slide 10: FY22 BNPL Summary

FY22 BNPL Summary Demand from larger US merchants  BNPL growth of 600% in the US and 200% in Australia* vs FY21  Merchant growth of 91% in the US and 103% in AU; total signed merchants now at 1,103 (US) and 476 (AU) (30 June 2021: 577 and 234 respectively)  217 independent sales organisations (IS

Slide 11: FY22 Financial Highlights

FY22 Financial Highlights

Slide 12: Group Profit and Loss

Group Profit and Loss Realising growth and benefits from A#039;M FY22 FY21 $+/- %+/- investment Interest revenue Interest expense 5.1 (1.0) 4.7 (1.0) 0.4 0.0 9% - Net interest revenue 4.1 3.7 0.4 11%  Total revenue (interest revenue + revenue from contracts) up 23% to A$10.8 million; Revenue from cont

Slide 13: Group Balance Sheet

Group Balance Sheet 30 June 30 June Focus on liquidity and profit A#039;M 2022 2021 $+/- %+/- Cash and cash equivalents 8.2 21.3 (13.1) (62)% Loan receivables (current) 32.7 25.8 6.9 27%  Balance sheet remains strong and well-funded. Expanded funding facilities with Northleaf Capital Partners takes ca

Slide 14: Liquidity

Liquidity Well funded with adequate liquidity and growth capacity 30 June 30 June A$M 2022 2021 $+/-  In FY22, QuickFee partnered with Northleaf Capital Partners, a global private 8.2 21.3 -13.1 markets investment firm, for a new US$70 million-equivalent multi-currency Cash and cash equivalents rec

Slide 15: Technology and Operations

Technology and Operations

Slide 16: Technology and Operations

Technology and Operations A transformational year  Completion of our proprietary processing platform QUBE  Improved + QuickFee’s merchants with a branded point-of-purchase check out gateway, connected to multiple back-end processors automation and sponsor banks + Merchants benefit by having a sing

Slide 17: Integration

Integration Integrations deepen merchant relationships and create greater lifetime value  Connects to the systems our customers already use  Provides higher processing volumes of existing customers  Gives us a strong proposition against competition  Demonstrates product innovation  Delivers an

Slide 18: Outlook and Priorities

Outlook and Priorities

Slide 19: Top line growth strategies

Top line growth strategies  Leverage our most  Continued momentum in US professional services valuable assets – + Catalyst for shift to digital invoicing and payments our firms + Increase US market share through further penetration of Top 400 accounting firm alliances and associations + Return to

Slide 20: Strategic priorities and outlook

Strategic priorities and outlook  Search for new  Greater focus on Financing growth in both US and Australia CEO + Economic conditions create additional demand from existing customer base + Target new merchant signings in AU law firms as well as US CPAs  Focus on reaching  Realise improved unit

Slide 21: Questions

25 August 2022 PAY NOW PAY LATER BNPL Questions mn

Slide 22: Disclaimer

Disclaimer The material contained in this document has been prepared readers are cautioned not to place undue reliance on these by QuickFee Limited ACN 624 448 693 (‘company’) and forward-looking statements. No representation is made as contains general information about the company’s to the accurac

Slide 23: Contact Details

Contact Details: • Simon Yeandle, CFO p: +61 2 8090 7700 e: simon.yeandle@quickfee.com • Eric Kuret, Investor Relations p: +61 3 9591 8904 e: eric.kuret@marketeye.com.au www.quickfee.com 23

Slide 24: Appendix

PAY NOW PAY LATER 25 August 2022 BNPL Gy | OF | Appendix

Slide 25: Glossary

Glossary ACH Automated Clearing House A type of electronic bank-to-bank payment in the US, equivalent to EFT in Australia Active customer Any customer who has transacted with QuickFee in the relevant period Active merchant Any merchant that has had a transaction with QuickFee in the relevant period

Slide 26: Strategic Opportunity in US Accounting Market

Strategic Opportunity in US Accounting Market The total US SAM accounting market US$31.9B revenue is ~US$118B. US$5.3B QuickFee estimates QuickFee US$38B is our core SOM portfolio US$0.8B target market US$6.1B targeting relevant to our opportunity current product TAM suite.1 US$80.0B QuickFee’s curr

Slide 27: Increasing US Accounting Firm Penetration

Increasing US Accounting Firm Penetration Increasing the Serviceable Addressable Market (SAM) of additional US$31.9B of volume requires penetrating firm affiliation groups Thomson Reuters BDO Alliance CPAmerica Allinial 123 23 74 21% 41 33% 31% 49% 84 225 74 600 Total Firms QuickFee Total Firms Quic

Slide 28: US Payments Organic Growth by Tenure

US Payments Organic Growth by Tenure Firm adoption grows YOY due to repeat clientele and increased adoption On average, a firm joining QuickFee in… On average, a firm joining QuickFee in…  FY17 processed ~ 201% more in FY21…four years later  FY19 processed ~ 532% more in FY21…two years later  FY1

Slide 29: FY22 Financial supplementary information

FY22 Financial supplementary information

Slide 30: Group Cash Flow

Group Cash Flow Results reflect commitment to invest A#039;M FY22 FY21 $+/- %+/- in future growth Interest, fees and charges from customers (inclusive of GST) 10.7 8.7 2.0 23% Payments to suppliers and employees (inclusive of GST) (19.7) (15.7) (4.0) (25)% Interest paid (0.9) (1.0) 0.1 10%  Operating

Slide 31: US Profit and Loss

US Profit and Loss Results reflect commitment to invest in future growth A#039;000s FY22 FY21 $+/- %+/- Interest revenue 1,681 1,423 258 18% Interest expense (191) (521) 330 63%  Interest revenue was up 18%, consistent with Financing TTV up 11% and BNPL up US$3.0million, vs FY21. Net interest revenue

Slide 32: AU Profit and Loss

AU Profit and Loss Lending recovery still to show in revenue A#039;000s FY22 FY21 $+/- %+/-  Interest income up 4% vs FY21 as the impact of the recovery in lending in FY22 Interest revenue 3,452 3,324 128 4% starts to be reflected in interest revenue recognition. Interest expense (834) (455) (379) (83

Slide 33: Reconciliation from Adjusted EBITDA to Operating Loss

Reconciliation from Adjusted EBITDA to Operating Loss A$ FY22 FY21 Adjusted EBITDA* per slide 14 (12,572,019) (7,916,672) Depreciation and amortisation included in general and administrative expenses in Appendix 4E (785,946) (451,414) Operating loss for the period per Appendix 4E (13,357,965) (8,368

Slide 34: Historical metrics – US

Historical metrics – US FY20 FY21 FY22 Total Transaction Volumes (TTV) Q1 Q2 H1 Q3 Q4 H2 FY20 Q1 Q2 H1 Q3 Q4 H2 FY21 Q1 Q2 H1 Q3 Q4 H2 FY22 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 29.1 43.9 73.0 48.9 1

Slide 35: US product profitability

US product profitability FY22 FY21 US$000s except volume ACH Card Financing BNPL Total ACH Card Financing BNPL Total Volume US$ M 778 183 16.8 3.5 981.3 537 131 15.1 0.5 683.6 Financing revenue (interest) - - 1,060 162 1,222 - - 1,046 17 1,063 Payments and other revenue 2,871 353 79 117 3,420 1,964

Slide 36: Historical metrics – AU

Historical metrics – AU FY20 FY21 FY22 Total Transaction Volumes (TTV) Q1 Q2 H1 Q3 Q4 H2 FY20 Q1 Q2 H1 Q3 Q4 H2 FY21 Q1 Q2 H1 Q3 Q4 H2 FY22 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 3.1 3.4 6.5 2.8 4.0 6.8 13.3 3.5 3.5 7.0 2

Slide 37: AU product profitability

AU product profitability FY22 FY21 AU$000s except volume EFT & card Financing BNPL Total EFT & card Financing BNPL Total Volume AU$ M 52 38.1 0.9 91.0 44 30.8 0.3 75.1 Financing revenue (interest) - 3,415 37 3,452 3,314 10 3,324 - Payments and other revenue 621 385 10 1,016 543 401 37 981 Total reve

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