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Confidential Corporate Presentation February 2026 : AMT : AMT : AMTFF : AMTFF @ameritrustfintech @ameritrustfintech @ameri_trust @ameri_trust
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Confidential This presentation contains "forward-looking information" within the meaning of Canadian securities legislation. All information contained herein that is not clearly historical in nature may constitute forward-looking information. Generally, such forward- looking information can be identified by the use of forward-looking terminology such as "plans", "expects" or "does not expect", "is expected", "budget", "scheduled", "estimates", "forecasts", "intends", "anticipates" or "does not anticipate", or "believes", or variations of such words and phrases or state that certain actions, events or results "may", "could", "would", "might" or "will be taken", "occur" or "be achieved". Forward-looking information is subject to known and unknown risks, uncertainties and other factors that may cause the actual results, level of activity, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking information, including but not limited to: (i) volatile stock price; (ii) the general global markets and economic conditions; (iii) the health of the automotive industry in the markets where the Company wishes to operate; (iv) the risk associated with development and maintenance of software products; (v) competition faced by the Company in securing experienced personnel and financing; (vi) competition from other players in the market, including those with more resources and history: and (vii) the reliance on key personnel. Forward-looking information is based on assumptions management believes to be reasonable at the time such statements are made, including but not limited to, continued success in software development, access to qualified sales force, continued involvement of current management, automotive industry activity levels remaining constant, receipt of required regulatory approvals, and such other assumptions and factors as set out herein. Although the Company has attempted to identify important factors that could cause actual results to differ materially from those contained in the forward-looking information, there may be other factors that cause results not to be as anticipated, estimated or intended. There can be no assurance that such forward- looking information will prove to be accurate, as actual results and future events could differ materially from those anticipated in such forward- looking information. Such forward-looking information has been provided for the purpose of assisting investors in understanding the Company's business, operations and exploration plans and may not be appropriate for other purposes. Accordingly, readers should not place undue reliance on forward-looking information. Forward-looking information is made as of the date hereof, and the Company does not undertake to update such forward-looking information except in accordance with applicable securities laws. Neither the TSXV nor its Regulation Services Provider (as that term is defined in the policies of the TSXV) accepts responsibility for the adequacy or accuracy of this presentation. Forward-looking information is based on assumptions management believes to be reasonable at the time such statements are made. Forward Looking Statements 2
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Confidential Investor Snapshot 3 As of February 6, 2026 Stock Exchanges and Ticker Symbols TSXV: AMT OTCQB: AMTFF Management & Insider Ownership 20% Average Daily Trading Volume (last 3 months) 645,000 Last Price CAD $0.065 Shares Issued and Outstanding 1.006B Warrants 708.9M Options 27.5M Restricted Share Units 25.8M Capital Structure – Fully Diluted Current Market Cap 1.77B CAD $65.4M Management & Insiders 20% Institutional Investors / HNW 57% Retail Investors 23% AmeriTrust Shareholders
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Executive Summary ▪ AmeriTrust Financial Technologies Inc. (TSXV: AMT, OTCQB: AMTFF) is listed on the TSX Venture Exchange andis a finance technology and data company that utilizes proprietary technology to be an industry leader in Auto Finance, Servicing, and Remarketing. Its technology stack resulted in the Company becoming the National Lease Partner to Tesla in 2018. ▪ While the company provides diversity through multiple revenue stream’s, the core business is offering a leasing alternative for used vehicles. This business model is unique in the US market and is driven through its proprietary technology. ▪ Currently licensed in 38 states in the US.with more than 700 active dealers (of more than 18,000 dealers in the US) on the platform. ▪ Auto Leasing makes up 25% of the new vehicle market and is controlled by the manufacturers. Used vehicle leases make up less than 2% of the market and is limited primarily to “certified pre-owned” programs controlled by the OEM’s (Ford, General Motors, Mercedes Benz). ▪ Traditionally, the only way for US consumers to participate in the used vehicle market has been through retail financing which requires high up-front costs, and steeper monthly payments. ▪ The Company’s differentiatedused vehicle leasing technology presents an economic option for US customers who have seen their vehicle affordability decrease in recent years amidst rising inflation and high interest rates. ▪ AmeriTrust’s proprietary leasing solutions offer customers attractive opportunities with lower monthly payments, providing a dealer additional sales opportunities through new financing products and providing lending partners higher risk adjusted returns with better risk profiles for greater security and predictability. ▪ AmeriTrust’s business model has three primary revenue streams: AmeriTrust Financial; AmeriTrust Serves; and, AmeriTrust Auto. 4 Confidential
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Veteran Management Team 5 AmeriTrust’s management team brings decades of experience in building and leading successful specialty finance companies. Executives Background Jeff Morgan Chief Executive Officer • Founder and CEO of AmeriTrust • Partner and GM of Vehicle Leasing Inc. • Brings more than 25 years of auto finance experience toMUSA John Wimsatt Chief Investment Officer • Former CIO at ECN Capital Corp • Institutional Investor • 30 years experience in Specialty Finance with broad funding background Euwye Chan Chief Accounting Officer • Highly accomplished accounting and finance professional • MBA from Dallas Baptist University • Over 18 years of finance-related experience Shibu Abraham Chief Financial Officer • Publicly traded and private company expertise in the US and Canada • CA, CPA and ACA holder • 25+ years accounting and financial management experience Jessica Cumbee SVP Compliance - General Council • accomplished automotive finance attorney • licensed in multiple states and certified by the National Automotive Finance Association in Consumer Credit Compliance. • held similar positions at Car Capital Technologies, Inc., Octane, and Tricolor Auto. Richard Goldman VP Capital Markets • Co-founder of AutoSoldNow, later acquired by PowerBand / AmeriTrust • 30+ years capital markets, public company experience • Former President, CFO of TSXV listed company Blake Kirk Chief Operating Officer • Auto finance executive with experience in customer service, collections & loss mitigation • GM Financial, Exeter Finance, Sierra Auto Finance & Express Capital Services • Brings more than 23 years of financial experience toAmeriTrust Troy Hocker Chief Revenue Officer • Auto finance executive with experience at the largest direct to consumer leasing company in the US • D&M Leasing • Brings more than 20 years of auto finance experience toAmeriTrust Sean Severin Chief Information Officer • Expertise in financial solutions, credit integration, and innovative product planning • Proven leader in technology transformation, operations strategy, and team culture building • Over 20 years of experience delivering impactful solutions through collaborative leadership Xia Zhang Chief Technology Officer • Specialty in web application development • Pivotal role in building AmeriTrust’s loan origination system (LOS) • Brings more than 30 years of information technology experience Confidential
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Confidential Why AmeriTrust 6 Proprietary technology-driven Dealer finance solution focused on new and used vehicle leasing. Market Penetration • Licensed in 38 states and growing. • Onboarded 700+ Dealers. • Signed LOIs with 2 National Brands. Proprietary Dealer Solution • Integrated with RouteOne and DealerTrack • Dealer is notified in seconds if their customer is approved via automated decisioning technology. Fast Funding • Automated solution will provide same day funding within hours of receipt of completed contracts. Lease vs Loan Advantage • Lower monthly payments with less upfront costs. • More profitable for Dealer Partners. • Shorter terms means more retention opportunities. • Higher lender yields. • Better credit performance. • Reduces risk of negative equity. Deeper Portfolio Penetration • Historic average FICO score of pool of 730+. • Lease opportunities throughout the credit scale.
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AmeriTrust Overview Company Background Technology and Capabilities ▪ Using proprietary technology, AmeriTrust has created an innovative automotive platform with a focus on an underserved market, used vehicle auto leasing. ▪ AmeriTrust was originally founded by CEO Jeff Morgan as MUSA Auto Finance in Q2 2017. The Company developed a leading position in the prime market with an average lessee FICO score in excess of 700. The Company experienced significant growth and achieved superior portfolio performance due to several key dynamics: ▪ Targeting creditworthy lessees with risk-based pricing. ▪ Conservative data-driven approach for setting residuals utilizing third party data leader Automotive Lease Guide (“ALG”) projections. ▪ Used car leasing remains ripe for deeper penetration due to limited competition. ▪ Focused on building strong partnerships with a goal of being a full spectrum provider to customers nation wide. ▪ Dedication to Proprietary Technology to disrupt the auto lease financing market. ▪ AmeriTrust’s product offering streamlines leasing for consumers and dealers as well as incorporates first-of-its-kind technology to navigate the underwriting, funding, and delivery process, allowing AmeriTrust to complete the entire customer experience in minutes. AmeriTrust’s portal automates the entire lease originations process. AmeriTrust’s technology performs fraud checks, underwriting checks, and prepares for funding in minutes. The Company’s cloud-based servicing platform (“AmeriTrust Serves”) efficiently tracks and monitors AmeriTrust’s portfolio. 7 Confidential
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Case Study: MUSA Auto Finance 8 ▪ Predecessor company MUSA was founded by AmeriTrust CEO Jeff Morgan. ▪ The Company grew its automotive lease portfolio to more than USD $200 million while Jeff Morgan was CEO by focusing on high-quality, credit worthy customers: ▪ MUSA’s core competency in both new and used car leasing supported higher relative returns compared to competitors in the automotive finance space. ▪ Competitors lack used car leasing knowledge and technology, allowing the Company to benefit from limited competition. States licensing MUSA Auto Finance Diversified portfolio excluding Tesla MERCEDES BENZ 12.1% CHEVROLET 8.9% FORD 8.0% TOYOTA 7.2% LAND ROVER 7.2%BMW 6.7% NISSAN 6.4% JEEP 5.6% PORSCHE 4.3% DODGE 4.6% RAM 3.8% JAGUAR 3.0% HONDA 3.3% Other 19.0% Percentage of MUSA Portfolio by Lease Value 8 MUSA specialized in new and used automotive leasing. AVG Contract Rate ~200 bps Over Loans AVG FICO 730+ Cum. Net Losses ~ 1% Confidential
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Growing Market Offers Growth Potential ▪ In 2023, US auto sales reached ~$2 Trillion, making it the country’s largest retail market. ▪ Sales generally split ~60%/40% between used and new vehicles over time. ▪ Combined sales CAGR of ~6% since 2019 with used ~7.5% and new ~4.3%. ▪ According to Experian ~ 80% of new and 40% of used purchases utilize financing. ▪ Auto financing market of ~$1.1 trillion annually. ▪ Leasing typically represents between 20-30% of new sales but just ~2% of used sales, typically through captive certified preowned programs. ▪ Leasing market currently represents a market of ~$200 billion annually. ▪ Enormous opportunity exists in expanding used car leasing. ▪ At just 10%-20% of current used sales the used car leasing market opportunity represents between $100 - $250 billion per year. $768 $854 $871 $894 $866 $1,151 $1,187 $1,193 $606 $593 $605 $615 $553 $648 $630 $729 $- $500 $1,000 $1,500 $2,000 2016 2017 2018 2019 2020 2021 2022 2023 US USED/NEW VEHICLE SALES 2016 -2023 ($ BILLIONS) Used Sales New Sales $1,447 $1,476 $1,419 $1,922 $1,374 $1,509 $1,800 $1,816 Current Used Vehicle Leasing Market Current Leasing Opportunity Sales Source: Experian, NADA & Bureau of Transportation 9 A very large and growing market creates huge opportunity. Potential Used Vehicle Leasing Opportunity Potential Leasing Opportunity Sales Confidential
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Used Car Leasing is an Affordability Solution ▪ Autos have become significantly less affordable through a combination of higher financing rates and increasing average prices. ▪ Financing rates have increased meaningfully as the Federal Reserve has responded to inflation by raising Fed Funds rates effectively doubling borrowing rates for prime consumers to ~8% currently. ▪ In addition, both new and used prices have increased with inflation as well as supply issues coming out of the COVID pandemic. ▪ Since 2019 new and used prices have increased ~30% and 38%, respectively. ▪ NADA expects prices to continue to grow ~6% per year through 2030 compared to CAGR since 2019 of 6% and 8% for new and used, respectively. ▪ Used car leasing reduces monthly payments to consumers by between $100-$200 on average, generally reduces downpayments, and customers do not experience significant depreciation associated with traditional auto ownership. 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% Jan 2014 May 2014 Sep 2014 Jan 2015 May 2015 Sep 2015 Jan 2016 May 2016 Sep 2016 Jan 2017 May 2017 Sep 2017 Jan 2018 May 2018 Sep 2018 Jan 2019 May 2019 Sep 2019 Jan 2020 May 2020 Sep 2020 Jan 2021 May 2021 Sep 2021 Jan 2022 May 2022 Sep 2022 Jan 2023 May 2023 Sep 2023 Feb 2024 Jun 2024 Average Auto Loan Rates - Prime Source:Bankrate $34 $35 $36 $37 $39 $42 $46 $47 $20 $25 $30 $35 $40 $45 $50 2016 2017 2018 2019 2020 2021 2022 2023 Avg Price New ($ Thousands) $20 $20 $21 $21 $22 $27 $31 $29 $- $5 $10 $15 $20 $25 $30 $35 2016 2017 2018 2019 2020 2021 2022 2023 Avg Price Used ($ Thousands) Source:NADA 10 Confidential
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Competitive Landscape 11 AmeriTrust’s flexible automotive leasing platform allows the Company to analyze a broader spectrum of lessees compared to competitors. Company Technology Used Car Lease Capabilities Customer Experience Value Chain Capture Small Banks / CU Lacking Lacking Lacking N/A CITI C Lacking Lacking N/A U.S. Bank Lacking Some Certified Pre- Owned Lacking N/A Ford Credit N/A Certified Pre-Owned Lacking c Mercedes Benz Financial N/A Certified Pre-Owned c C Technology – AmeriTrust possesses market leading leasing technology. Used Car Lease Capabilities – Deep used car leasing expertise, led by automotive finance veterans. Customer Experience – The Company’s platform dramatically improves leasing efficiency for dealers and has received outstanding reviews from its customers. Value Chain Capture – The Company has the unique ability to capture additional components of the value chain through vehicle resale and vehicle protection products. Confidential
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Leasing is Attractive to Consumers, Dealer & Lenders ▪ Consumers receive lower monthly payments resulting in more affordable options. ▪ In this example, the lease monthly payment is USD $178.55 less than the loan payment assuming the same purchase price and FICO. ▪ Dealers sell more cars through expanded financing programs with increased affordability. ▪ There is substantial dealer demand for this program; AmeriTrust has 700+ current dealers with a robust pipeline. ▪ Lenders receive higher equivalent yields (leases are priced off a money factor) with similar risk resulting in higher risk adjusted returns. ▪ On average lenders will receive between 150-300 basis points more yield on a prime lease vs a loan. ▪ In this example, the Lender receives an incremental $7,287 in interest over the term of the lease vs a loan. ▪ Residual risk is mitigated through conservative up-front residuals and lease structure, which is designed to create equity in the vehicle before lease expiration resulting in early buyouts, pay-offs and trade-ins. ▪ Used cars have typically already gone through considerable early depreciation. ▪ Residual insurance is also available. $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 1 3 5 7 9 11131517192123252729313335373941434547495153555759 Example 60 mo Lease Interest/Rent vs. 60 mo Purchase Loan Interest Lease Purchase $8,463 +$7,287 $15,750 Amount FICO Monthly Payment Realized Rate1 Total Interest Received Lease $45,000 740 $712.50 ~10% $15,750 Loan $45,000 740 $891.05 7% $8,463 1. Lease Interest determined by money factor 12 Confidential
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AmeriTrust’s Key Solutions AmeriTrust Financial AmeriTrust’s proprietary origination platform automates the end-to-end leasing and financing process. Integrated with major dealer systems such as RouteOne and Dealertrack, the platform enables rapid credit decisioning and an accelerated path to funding, supportin g efficiency and scalability across its dealer network. AmeriTrust’s platform is the first to deliver side-by-side loan and lease decisions from a single retail application, with live-inventory calculators that enable lower payments on shorter terms. AmeriTrust Financial benefits its dealer customers by automatically pre-filling contracts and title documentation, providing exceptionally fast decisioning and funding, and offering free dealer lease training. AmeriTrust Serves AmeriTrust Serves is a proprietary, first of its kind, servicing operation. It brings payment processing, customer support, p ortfolio monitoring, asset remarketing, and analytics into a single unified system, delivering transparency, control, and performance insight for both AmeriTrust and its funding partners. AmeriTrust Serves integrates proprietary algorithms and machine learning to enhance servicing efficiency and create customer retention. Unlike traditional outsourced models, AmeriTrust Serves operates in-house, ensuring personalized service, superior data security, and flexible, customized solutions. This approach combines cost-saving technology with a human touch to foster exceptional customer experiences. AmeriTrust Auto AmeriTrust Auto anchors AmeriTrust’s vehicle remarketing strategy, managing repossessions and lease-end inventory through a retail-first, direct-to-consumer approach. When retail isn’t viable, the focus can seamlessly shift to wholesale liquidation, maximizing asset value across the full loan and lease lifecycle. 13 Confidential
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14 AmeriTrust’s scalable model overview: 1) Dealers and Lenders submit customers to AmeriTrust. 2) AmeriTrust underwrites, approves, funds contract and retains servicing. 3) A-Trust (Bankruptcy remote) sells revenue to finance partnerswith servicing retained. 4) AmeriTrust Serves is a full servicing platform providing data and performance reporting. 5) AmeriTrust Auto is a remarketing platform focused on repossessions and lease returns offered at retail direct-to-consumer online versus traditional wholesale methods; 5a) Vehicles not sold through retail are liquidated wholesale at auction. Capability Description AmeriTrust Auto (Subsidiary) ‘Virtual Dealership’ whereby AmeriTrust re-sells / leases used vehicles that reach end-of- lease at a fraction of the cost ofa traditional dealership Automated Remarketing Intelligence (ARI) A retention tool that directly interacts with the customer, gathers remarketing data, and enhances the customer experience Warranty Products A full suite of vehicle protection products offeredthrough dealer partners Unique Retention Tools The Company is creating technology to better connect with lessees, keep them engaged, and generate more value. 14 Key Solutions - Customer Retention Lifecycle 1 2 3 4 5 Origination Platform Title Holder BK Remote Trust Full Servicing Platform Asset Origination & Remarketing Platform 70% Retention Auction Dealers - Indirect Lenders - Indirect Direct 1 2 3 4 5 Confidential 5a
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Confidential 15 Contact Information PHONE 1-800-600-6872 EMAIL info@ameritrust.com ADDRESS 777 Main Street Suite 3000 Fort Worth, TX 76102 USA ADDRESS 1100 Burloak Drive Suite 300 Burlington, ON L7L 6B2 CA