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13 November 2025 Transforming the debt collection industry 2025 AGM Presentation For personal use only
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© Copyright 2025. All Rights Reserved. 2 Important Information This presentation has been prepared by and is the sole responsibility of Credit Clear Limited ACN 604 797 033 (Company). The information contained in this presentation was prepared as of 13 November 2025 and remains subject to change without notice. The information in this presentation is of a general nature provided solely for the purpose of giving you background information about the Company. The provision of this presentation is not a representation to you or any other person that an offer of securities will be made. Any prospective transaction would be undertaken solely on the basis of disclosure docu mentation prepared in accordance with applicable la ws (to the extent required) . The information in this presentation may differ materially in both content and presentation from that presented in any disclosure docu ment prepared in connection with any proposed transaction (to the extent required). This presentation does not constitute an offer to issue, or arrange to issue, securities or other financial products . The information contained in this presentation is not investment or financial product advice and is not intended to be used as the basis for making an investment decision . The information has been prepared without taking into account the investment objectives, financial situation or particular need of any particular pe rson. Before making an investment decision, you should consider, with or without the assistance of a financial advise r, whether an investment is appropriate in light of your particular investment needs, objectives and financial circumstances. This presentation is intended for those pe rsons to whom it is delivered personally by or on behalf of the Company. By attending this presentation, you represent and warrant that (i) if you are in Australia, you are a person to whom an offer of securities may be made without a disclosure docu ment (as defined in the Corporations Act 2001 (Cth) (Corporations Act)) on the basis that you are exempt from the disclosure requirements of Part 6D.2 in accordance with s 708(8) or 708(11) of the Corporations Act; if you are outside Australia, you are a person to whom an offer and issue of securities can be made outside Australia without registration, lodgment or approval of a formal disclose document or other filing in accordance with the la ws of that foreign jurisdiction. No representation or warranty, express or implied, is made by any person as to the fairness, accuracy, co mpleteness or correctness of the information, opinions and conclusions contained in this presentation. To the maxi mum extent permitted by law, none of the Company, its directors, employees or agents, nor any other person accepts any liability, including, without limitation, any liability for any loss, clai m, damages, costs or expenses of whatever nature (whether or not foreseeable), including, without limitation, any liability arising from fault or negligence on the part of any of them or any other person, for any loss arising from the use of this presentation or its contents or otherwise arising in connection with it or any errors or omission in it. The Company has not independently verified any of the contents of this presentation (including, without limitation, any of the information attributed to third parties). No person is under any obligation to update this presentation at any time after its release to you. This presentation is strictly confidential and is intended for the exclusive benefit of the person to which it is presented. It may not be reproduced, disseminated, quoted or referred to, in whole or in part, without the express consent of the Company. This presentation contains certain forward-looking state ments with respect to the financial condition, operations and business of the Company and certain plans and objectives of the Company. Forward-looking state ments can be identified by the use of forward-looking terminology, including, without li mitation, the terms “believes”, “estimates”, “anticipates”, “expects, “predicts”, “intends”, “plans”, “targets”, “ai ms”, “outlook”, “guidance”, “forecasts”, “may”, “will”, “would”, “could” or “should” or, in each case, their negative or other variations or comparable terminology . Such forward looking state ments are subject to internal and external risks and uncertainties that may have a material effect on the Company . As such, undue reliance should not be placed on any forward-looking state ment. Past performance is no guarantee of future performance. Nothing contained in this presentation should be relied on as a promise, representation, warranty or guarantee whether as to the past, present or future. All references to dollars, cents or $ are a reference to Australian currency, unless otherwise stated. For personal use only
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13 November 2025 Chair Address For personal use only
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© Copyright 2025. All Rights Reserved. 5 FY25 Growth driven by innovative and scalable technology $46.9m FY25 Revenue +12% on PCP $7.4m Underlying EBITDA1 +76% on PCP $15.6m Cash at bank Funded for growth opportunities 1. Underlying EBITDA excludes share-based expenses and non-core business items, but includes tech dev opex Significant improvement in Underlying EBITDA margin ~16% Underlying EBITDA1 Margin 10% in FY24 $5.8m Operating Cash Flow +57% on PCP 53% Gross Margin Flat on PCP For personal use only
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CEO Presentation For personal use only
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© Copyright 2025. All Rights Reserved. 3 Expanding geographic footprint via Oct 25 acquisition • Acquired UK based debt collection agency, ARC Europe • Established in 2001, ARC has trusted partnerships across Financial Services, Health & Leisure, Insurance, and Utility sectors • Compelling strategic rationale: • Adds immediate scale • Long standing UK customer base provides a strong foundation for expansion • Materially expands Total addressable market • Significant opportunity to overlay digital solution across ARC’s UK customer base to drive operating leverage • Client growth and up -sell opportunities via its digital collections offering • Expected to deliver operational efficiencies and accelerate growth • Delivered FY25 revenue of $8.8 million and EBITDA of $1.24 million • Expected to complete by 31 December 2025. ARC expected to be earnings accretive in its first full financial year of ownership For personal use only
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© Copyright 2025. All Rights Reserved. 4 Growth continues into FY261 • Q1 FY26 Revenue of $13.2m, up 10% on pcp • Q1 FY26 Gross Profit Margin remains stable • FY26 Revenue guidance of $50.0 to $52.0 million • FY26 Underlying EBITDA guidance of $9.0 to $10.0million o The Company expects performance in 2H FY26, will off-set softer holiday trading o FY26 contribution from ARC acquisition, will be considered post December 2025 completion • Strong cash position of 25.7 million, as at 31 Oct 252 1. All FY26 numbers unaudited 2. Includes $12.75 million raised in Tranche 1 (less costs) of October Placement 2025 11.0 21.0 35.0 42.0 46.9 13.2 FY21 FY22 FY23 FY24 FY25 FY26 Revenue ($m) YTD FY26 Revenue guidance $50.0m -$52.0m For personal use only
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© Copyright 2025. All Rights Reserved. 5 FY26 Outlook Macroeconomic Tailwinds Australian companies are focused on strengthening their debt resolutions and reducing costs by utilising AI digital driven capability replacing internal human resources Growth Average amount of personal debt in Australia is on the rise, recent rate cuts provide opportunity for individuals to service outstanding debt Trading conditions are supportive, debt contingent market continues to grow Organic growth supported by strong sales pipeline with significant onboarding of new clients in FY25, and continuing to win share of wallet of existing clients, expected to drive revenue growth Continued integration and deployment of AI technology and SaaS platform across the Company’s debt resolution teams is driving performance and Underlying EBITDA1 margin uplift Potential for margin growth on a controlled cost base Strong cash position provides flexibility for further acquisition opportunities 1. Underlying EBITDA excludes share-based expenses and non-core business items, but includes tech dev opex For personal use only
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© Copyright 2025. All Rights Reserved. 6 © Copyright 2025. All Rights Reserved. 6 Questions For personal use only
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© Copyright 2025. All Rights Reserved. 7 Andrew Smith Credit Clear E: andrew@armagroup.com.au CEO & MD Melanie Singh Credit Clear e: melanie@nwrcommunications.com.au m: +61 439 748 819 Investor Relations For personal use only