Global Receivables Management Inc. · TSXV:GRMI

Global Receivables Management — Everyday People Financial — Investor Presentation (April 2023)

23 slides from Global Receivables Management's investor presentation, April 2023

  1. Slide 1: Helping everyday people become their best financial selves

    Helping everyday people become their best financial selves. TSX-V: EPF | April 2023

  2. Slide 2: Disclaimers

    Disclaimers Forward-Looking Information This presentation contains "forward-looking information" or "forward-looking statements" within the meaning of applicable Company's ability to attract new customers; risk of customer loan defaults; reliance on strategic partnerships and third party securities

  3. Slide 3: Overview

    Overview © 2023 Everyday People Financial Corp. All rights reserved. April 2023 Investor Presentation | 3

  4. 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

  5. Slide 5: Innovative Business Lines

    Innovative Business Lines BPO Smart Everyday People Revenue Cycle Health Spending Accounts Management - UK EP Homes EP Travel Facilitating Homeownership Prepaid Card Offerings EP Care EP Climb Credit Health & Wellness Financing Credit Cards, Savings Loans Programs & Credit Education EP Yay! GCS and

  6. Slide 6: Investment Highlights

    Investment Highlights Large Underserved Market Unique Data Driven | Targeting the underserved borrower Decision Making | Fair and equitable fit-for-purpose credit | A proprietary method of determining solutions borrower’s risk profile | Allowing new borrowers to enter the market Differentiated Busin

  7. Slide 7: Market Opportunity

    Market Opportunity © 2023 Everyday People Financial Corp. All rights reserved. April 2023 Investor Presentation | 7

  8. Slide 8: Credit Access and Inclusion for Everyday People

    Credit Access and Inclusion for Everyday People Bridge to Alternative and Specialty EP Care Program Homeownership® Financing Programs Offers everyday Everyday HSA Program Accessible and fair programs for borrowers, people access to Tax-free health spending account offering Business Process Outsourci

  9. Slide 9: Total Addressable Market

    Total Addressable Market Serving the underserved and underrepresented borrower. Canada UK 76 million credit cards 59 million credit cards Alternative and Specialty Financial Services $294 billion consumer debt £125 billion consumer debt ~260,000 first-time home buyers per year(1) ~356,000 first-time

  10. Slide 10: Increasing Credit Strength

    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 Increasing Credit Strength Using proprietary methods Through alternate methods A strong focus on simplicity, P

  11. Slide 11: Growth Strategy

    Growth Strategy © 2023 Everyday People Financial Corp. All rights reserved. April 2023 Investor Presentation | 11

  12. Slide 12: Growth Strategy

    Growth Strategy Infrastructure is in place and ready to scale! New Products Expand Partner Scale Into and New Verticals Network New Markets | Launch a full suite of products that can grow with | Continue adding new business partners to the | Leverage our international footprint into new everyday peo

  13. 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

  14. 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. REVENUE CYCLE FACILITATING MANAGEMENT CREDIT CARD AND TECHNOLOGY BASED FINANCIAL SERVICES HOMEOWNERSHIP End User Target Markets Sales Channels

  15. 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 © 2023 Everyday People Financial Corp. A

  16. Slide 16: Financial Highlights

    Financial Highlights © 2023 Everyday People Financial Corp. All rights reserved. April 2023 Investor Presentation | 16

  17. Slide 17: Recurring and Predictable Revenue Model

    Recurring and Predictable Revenue Model Scalable business model primarily driven by recurring revenue streams. Fee-based Revenue | Activation fee + Recurring Revenue | Interest revenue + Transaction Revenue | Interchange fee on | Facilitation fee | Monthly credit facility fee or purchase transaction

  18. Slide 18: Key Financial Highlights

    Key Financial Highlights Net Revenue (CAD in thousands) % Year-over-year growth Growth Priorities | Maintain steady revenue growth and continuously +31% $17,713 optimize mature business segments | Scale proven operating models through partnership $13,567 channels and digital lead generation | Build

  19. Slide 19: Capital Structure

    Capital Structure TSX-V: EPF 45% Ticker Insiders CURRENT STRUCTURE SHARE CAPITAL NOTES • 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 113,976,539 • Outstanding Shares 1,781,485 (2%) four months release from

  20. Slide 20: Team

    Team © 2023 Everyday People Financial Corp. All rights reserved. April 2023 Investor Presentation | 20

  21. Slide 21: Management Team

    Management Team Gordon Reykdal Adelhardt Glombick Executive Chairman, Everyday People Financial Corp. Vice President of Finance, Everyday People Financial Corp. | Successful entrepreneur in the consumer financial services sector for over 38 years. | 40+ years of corporate finance experience as a Mar

  22. Slide 22: Board of Directors

    Board of Directors Gordon Reykdal David Robinson Executive Chairman and Director, Everyday People Financial Corp. Chairperson of Governance and Director, Everyday People Financial Corp. | An entrepreneurial executive with demonstrated success conceptualizing and building | Successful entrepreneur in

  23. Slide 23: Everyday People Financial Corp.

    Everyday People Financial Corp. Suite #450, 11150 Jasper Avenue Edmonton, AB T5K 0C7 Consumer websites: everydaypeoplefinancial.com Investor relations: © 2023 Everyday People Financial Corp. All rights reserved. [email protected] April 2023 Investor Presentation | 23

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