Shf Holdings, Inc. · NASDAQ:SHFS
Shf — Investor Presentation (March 2025)
16 slides from Shf's investor presentation, Mar 13, 2025
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Slide 2: Disclaimers
Disclaimers NOTICE TO RECIPIENTS ‘This presentation the “Presentation nas been prepared sole x gene! fomatonslaupooes by SHE Holdings, ne {the Corgan," "us of ‘cur) No epresortton or waranty 2 othe accuracy, compltenes, cr aes of Such Inman sig made bye Company oan oer pesan an nasber ine Comeary no
Slide 3: Disclaimers
Disclaimers HISTORICAL FINANCIAL INFORMATION OF SAFE HARGOR FINANCIAL ‘The niseveal mana itarmaton regain he Company cotaned inh Preseraten has been taken fom o erepared based on histvial Anarcil slates, wei ibaly rested fm carvec-out operations of Parr Colrade Crest Union Pou n2022 USE OF PROJECTIO
Slide 4: Business overview
Safe Harbor’s Business SHF Holdings, Inc. (NASDAQ: SHFS) is a trusted partner connecting Cannabis Related Businesses to financial institutions, enabling compliant banking solutions, and we provide loan origination services. ‘Safe Harbor Financial is now working on developing and deploying a comprehe
Slide 5: Unique Market Position
Safe Harbor's Unique Market Position | believe we are well positioned to reach our client base with differentiated value-based solutions that go beyond generating fees on account activity, investment and lending income. Operator-Led Insight Now led by an experienced cannabis operator, we bring deep
Slide 6: US Cannabis Market Growth Projections
US Cannabis Market Growth Projections U.S. Cannabis Market Report Scope Report tr Market se valve in 2025 {USO 44,30 bition U.S. Cannabis Market Size, by Source, 2020- 2030 (USD Ballon) Revenue forecast in 2090 | uso 76.39 nition $38.58 “US. Marit CAGR, Growth rate CCAGR of 11.815 from 2025 to 200 e
Slide 7: Beyond ~1.5 Revenue Multiple: Unlocking SHF's Full Potential
Beyond ~1.5 Revenue Multiple: untocking sHr's Full Potential ~3.4x ‘at December 31,2024 Broadridge (NYSE: BR) Transforming SHF's Valuation We want to shift the mindset around SHFS from a 1x revenue valuation toa multiple that reflects our true future potential, akin to leading PaaS and FinTech compa
Slide 8: Funding our Growth Investment
Funding our Growth Investment Debt Modification & Spending Reduction PCCU is one of our largest shareholders and the holder of our Senior Secured Promissory Note. We successfully modified our debt with PCCU in February 2025. This action unlocks $6M over the next two years that can be deployed to sup
Slide 9: Protects our Financial Institutions and Our Clients
Safe Harbor Protects. our Financial institutions and Our Clients. Compliant Banking Secure, compliant banking solutions for your entire business ecosystem, protecting transactions across clients, vendors, and business partners. We believe we can: + Expand the number of financial institutions on our
Slide 10: Earned Wage Access Market Landscape
Earned Wage Access Market Landscape The earned wage access (EWA) market has experienced explosive growth, According to a report by Market Research Future, the EWA software market is expected to expand from USD 30.83 billion in 2025 to USD 242.46 billion by 2034, reflecting a compound annual growth r
Slide 11: Lends across a Broad Array of Products
Safe Harbor Lends. across a Broad Array of Products y oN Loan Origination, Participation and Syndication (already can do) y - Working Capital Lines , #§:> ~C y,-6—™rrti<“‘i‘i‘“ ST!.ULU!UCUM Solutions for Client Employees Current Business Future Plans Future Plans Future Plans Future Plans ‘Safe Harb
Slide 12: Connects the cannabis community
Safe Harbor Connects. the cannabis community Cloud Model Develop an integrated platform for all cannabis industry needs, bringing enterprise level capabilities to the middle market. Our engine will be designed to power comprehensive industry solutions through a unified platform. Membership has Privi
Slide 13: Connects the cannabis community
Safe Harbor Connects. the cannabis community In our future plans /f just 1% successful in creating a cannabis consortium, Safe Harbor could earn fees on approximately $646M in transactions anticipated by 2030. B
Slide 14: Why Safe Harbor?
Safe Harbor Connects. the cannabis Community In our future plans Why Safe Harbor? Operator Led. Hundreds of trusted client relationships. Thousands of Vetted Vendors. Trusted in the Cannabis Community. 4
Slide 15: A Lower Cost to Produce
Safe Harbor A Lower Cost to Produce Technology Management Solutions We are exploring whether Safe Harbor provide a comprehensive IT management service tailored to the needs of our clients. From deploying, managing and maintaining tech to access & network security protocols to camera data retention a
Slide 16: Thank you
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