Slides
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Tenet Fintech Group Inc. SME data, commerce and economic intelligence Executive Summary Presentation October 2026 CSE: PKK OTCID: PKKFF
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Tenet at a Glance 02 A Data-as-a-Service company using SME data to create commercial opportunities and provide economic intelligence. Servicing Clients through 3 Proprietary Platforms ▪ Cubeler: connects SMEs and collects data. ▪ GoldRiver: supports supply-chain commercial transactions. ▪ ie-Pulse: develops economic intelligence products. Canada United States China $52.78M Q2 2026 revenue $2.66M net income $175M–$180M FY 2026 revenue guidance $9.5M–$10.5M net income guidance Management guidance updated October 6, 2026. All financial amounts in Canadian dollars unless otherwise indicated.
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The Tenet Business Ecosystem SME business activity supplies data and creates opportunities across the 3-platform ecosystem. 03 SME network Financial, accounting and operational data Cubeler Business Hub SME data collection through proprietary accounting software APIs Cubeler AI based SME matching generates buyer, supplier, financing and partnership opportunities GoldRiver Facilitate supply-chain transactions and product sales ie-Pulse Produce economic intelligence offered through data plans The ecosystem combines services for SMEs with commercial transactions and planned data plan subscriptions. Data Source Data Collection Engine Data Usage / Output
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Cubeler Connects SMEs with Opportunities AI matching uses business information to identify potential relevant connections. 04 01 Connect SMEs connect financial and operational data to Cubeler Business Hub. 02 Match AI identifies potential buyer, supplier, partner, financing and grant opportunities. 03 Select SMEs review relevant opportunities. 04 Engage SMEs pursue commercial and financing opportunities. North American Expansion Canada and U.S. rollout, supported by accountant and bookkeeper network. Partner Distribution Commercial lending relationships and grant matching broaden the offering.
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GoldRiver Facilitates Supply-chain Transaction 05 $425M Minimum annual revenue under two supply-chain master agreements* 2nd Agreement: 3 years ▪ $225M minimum annual value ▪ $675M minimum total value Agreement purchase values describe commercial scope. They do not equal revenue already recognized. 1st Agreement: 1 year ▪ $200M minimum annual value (renewable)
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GoldRiver: Transaction Service Fees Model 1: Tenet acts as a broker through GoldRiver. 06 Buyers Submit requirements Suppliers List available products GoldRiver Match requests with suppliers Transaction Buyer and supplier conclude the sale Tenet revenue Transaction service fee Completed transaction value × service fee rate Revenue is the facilitation fee. Service fee earned may represent between 2% to 5% of the value of the transaction depending on several factors, including the provision of related logistics services.
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GoldRiver: Product Sales Model 2: Tenet purchases goods, adds a markup and sells to the client. 07 Supplier Sells goods to Tenet Tenet / GoldRiver Purchases, marks up and resells Client Purchases goods from Tenet 8%–10% Gross margin in the supplier model Illustrative $100 sale Revenue Cost of goods Gross profit $100 $90–$92 $8–$10 Tenet records the selling value as revenue. The example illustrates gross profit before operating expenses.
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ie-Pulse Economic intelligence built from SME financial and operational data. 08 01 SME financial and operating data Income statement and balance sheet data, including sales, expenses, inventory, COGS and cash balances 02 Aggregated economic intelligence Proprietary industrial indexes, economic indicators and downloadable datasets 03 Subscription access Monthly data plans for capital markets, banks and governments Commercial launch targeted for Q4 2026 in the October materials. Future subscriptions remain a planned revenue stream as of the date of this presentation.
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Planned ie-Pulse Subscription Pricing Different monthly plans serve progressively broader data and reporting needs. 09 Plan Monthly price* Included data Intelligence reports Explorer $49 Daily Pulse scores N/A Basic $149 1 plan / up to 15 indexes 1 per week Professional $499 4 plans / up to 60 indexes 5 per week Institutional $2,499 20 plans / up to 300 indexes Unlimited Recurring subscriptions Subscribers pay for access to their selected tier. Upgrades and additional plans Institutional add-ons: $100 per month per plan.* *Indicative prices shown. Actual subscription prices may vary substantively.
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Two Platforms, Three Revenue Models 10 Revenue model Customer activity Tenet revenue Economics Platform Supply-chain brokerage services Buyer and supplier complete a transaction Percentage-based service fee 2% to 5% of value of transaction GoldRiver Supplier sales Client buys goods from Tenet Full selling value of the goods 8%–10% gross margin GoldRiver Data subscriptions Customer subscribes to ie-Pulse Monthly plan fees and add-ons 70%–80% expected gross margin ie-Pulse Revenue mix shapes profitability Supplier gross margin and expected data gross margin describe different business models. Expected margins are not realized results.
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Revenue and the FY 2026 Outlook Actual results and management guidance are shown separately. 11 Annual revenue Quarterly revenue 42.09 2.84 10.93 0 20 40 60 FY 2023 FY 2024 FY 2025 11.54 52.78 0 20 40 60 Q1 2026 Q2 2026 FY 2026 guidance $175M - $180M Revenue $9.5M–$10.5M Net income Actuals, in millions of Canadian $ FY 2026 guidance updated October 6, 2026. Q2 2026 net income: $2.66M. H1 2026 revenue: $64.32M.
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Capitalization and Market Snapshot Share capital and market figures as of September 30, 2026. 12 Security category Shares Issued and outstanding 509,904,534 Reserved for issuance 170,682,131 Fully diluted 680,586,665 Public float: approximately 459.96M shares 90.2% of issued and outstanding shares ~$120M Indicative market capitalization $0.23 US$0.16 CSE: PKK OTCID: PKKFF 0.68× sales 12.0× earnings Illustrative FY 2026 multiples using guidance midpoints Market values are dated source snapshots. Multiples use $120M market cap, $177.5M revenue and $10.0M net income.
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Growth Priorities and Planned Milestones 13 Project generation Use SME data and AI to identify commercial opportunities. Partnerships Extend the network through commercial and financial relationships. North American growth Expand Cubeler in Canada and the United States. Commercial execution Q4 2026 target Longer-term goals GoldRiver activity and cross-border distribution partnerships Commercial launch of ie-Pulse data subscriptions ▪ Expand Cubeler to other Asian countries, Middle East and Europe ▪ Potential NCIB stock buyback ▪ Nasdaq uplisting Launch timing, listing changes and potential capital actions remain forward-looking and subject to certain risks, execution and approvals.
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Leadership and governance 14 Johnson Joseph President, CEO and Director Leads global operations, 25+ years in financial services and fintech. Co- founder of Cubeler. Maxime Couturier Chief Financial Officer Leads financial reporting, capital structure and cross-border treasury. Mayco Quiroz Chief Operating Officer Leads Canadian operations and Cubeler North American rollout. Liang Qiu CEO of China Operations, Head of R&D and Director Leads Chinese operations, R&D and global partnerships. Co- founder of Cubeler Independent directors Jean Leblond, George Krucik and Yves C. Renaud
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Investor Contact 15 Tenet collects and uses SME data to create commercial opportunities and subscription-based economic intelligence. CSE: PKK OTCID: PKKFF www.tenetfintech.com Investor inquiries Cathy Hume CEO, CHF Capital Markets 416-868-1079 x251 cathy@chfir.com Corporate investor relations investors@tenetfintech.com
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Forward-looking Information 16 This presentation is for information purposes. It does not constitute an offer to sell or a solicitation of an offer to buy securities. Forward-looking statements FY 2026 guidance, expected data margins, product launches, expansion plans and potential capital- market actions reflect expectations and involve risks and uncertainties. Actual outcomes may differ. Commercial and pricing assumptions Purchase commitments do not equal recognized revenue. Data-plan pricing is indicative. Planned subscription economics are not historical results. Financial figures and company information reflect publicly disclosed materials as of October 2026. Share capital is dated September 30, 2026. Readers are invited to review the company’s public disclosures for subsequent developments.