PEXA GROUP LIMITED — AGM Information 2023

Nov 23, 2023

PEXA Group | November 2023 2023 AGM

Your Board of Directors

Glenn King Group Managing Director & Chief Executive Officer

Jeff Smith Non-Executive Director and Link Group Nominee Director

Dr Kirstin Ferguson Independent Non-Executive Director

Mark Joiner Independent Chairman

Melanie Willis Independent Non-Executive Director

Paul Rickard Non-Executive Director and Commonwealth Bank of Australia Nominee Director

Vivek Bhatia Independent Non-Executive Director

Helen Silver Independent Non-Executive Director

Chairperson's address

Group Managing Director & CEO's address

Clear purpose and strategy

Solid result in slowing market - growing revenue in key adjacencies

1

Operating EBITDA / Revenue 2

Operating EBITDA - Capex 3 Total market transaction volumes

4 Business Revenue includes $1.7 million of interest income earned in connection with Optima Legal's revenues, which is not included in IFRS statutory revenue, but instead is included in interest income in the Statement of Comprehensive Income

PEXA Group PEXA Exchange PEXA Digital Growth PEXA International Business Revenue4 Business Revenue Business Revenue Business Revenue4 $283m $263m $12m $9m 1% 6% vs 10% market decline3 Operating EBITDA Margin1 Cashflow2 Cashflow2 $99m 54% ($22m) ($51m) 26% 1.0 ppt

9x Initial revenue

vs 50-55% target

vs ($20) – ($25m) target vs ($50m) target

Note: Movements vs FY22

ENHANCE: Australian Exchange delivering comprehensive coverage and integration

Note: Exchange metrics on this slide reflect the 12 months to 30 June 2023 / the position at the end of FY23

Exchange volumes and mix improved from lows in 3Q23

EXTEND: Business provides leading solutions to key market issues

13

UK proposition underway and developing

Product roadmap

• Remo proposition launched in Sep '22
• Further Remo functionality on track for Dec '23
• Sale and Purchase Release 1.0 delivery Dec '24

Partners

• Integrations with BOE and HMLR
• BOE Synchronisation Operator workshops

Practitioners

• Muve and Pure Law on-boarded and transacting
• Dutton Gregory, PLS and The partnership signed

Optima Legal

• Remortgage market remains subdued
• All existing banks back and transacting with Optima
• Lloyds contract increased volumes from Dec '23
• PEXA integration on track

PEXA Pay

• Seventh BOE net settlement payment scheme
• The only payment scheme dedicated to property transactions in the UK
• 12 banks tested on this payment system

Smoove

• Scheme approved by shareholders
• Expectation remains that transaction will close in 2Q23

Lenders

• HRBS and Shawbrook on-boarded (over £13m of Remo's transacted)
• Good progress being made with Virgin Money, Metro Bank and Nottingham BS to explore implementation of PEXA

EVOLVE: Supporting our people and communities

People

Partnerships

Community

• People engagement of 77%

• Staff 52% female, with 38% female leadership

• Winner of HR Awards for Employer of Choice and finalist in 4 other categories
• Launched PEXA Academy innovative learning and development capability

• Uluru statement from the heart commitment

• Partnerships and research to tackle housing affordability supported
• Greenhouse gas reductions on target independently audited

• Women in Tech supporting and nurturing diversity in the tech industry
• University and NFP collaboration UNSW, Frontier/SI, Victoria Uni, Melb Uni >

FY24 guidance (ex-Smoove) maintained

1 Operating EBITDA / Business revenue

2 Operating EBITDA – Capex for International and Digital Growth. Excludes material acquisitions and associated transaction and integration costs

3 Based on month in which Operating EBITDA becomes break-even

Guidance excludes impact of Smoove acquisition – update to be provided at 1H24 results

Thank you

Important Notice and Disclaimer

Market and industry data

This Presentation contains statistics, data and other information This Presentation contains statistics, data and other information (including forecasts and projections) relating to markets, market sizes, market shares obtained from research, surveys or studies conducted by third parties (Market Data). You should note that Market Data is inherently predictive, is subject to uncertainty and not necessarily reflective of actual market conditions. PEXA cannot assure you as to the accuracy or the reliability of the underlying assumptions used to estimate such Market Data. Forecasts and estimates involve risks and uncertainties and are subject to change based on various factors, including in data collection and the possibility that relevant data has been omitted.

Disclaimer

The information is supplied in summary form and is therefore not necessarily complete. The material contained in this Presentation may include information derived from publicly available sources that have not been independently verified. No representation or warranty is made as to the accuracy, completeness or reliability of the information. To the maximum extent permitted by law, PEXA and each of its

affiliates, directors, employees, officers, partners, agents and advisers and any other person involved in the preparation of the Presentation disclaim all liability and responsibility (including without limitation, any liability arising from fault or negligence) for any direct or indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, the Presentation. PEXA accepts no responsibility or obligation to inform you of any matter arising or coming to its notice, after the date of the Presentation or this document, which may affect any matter referred to in the Presentation. This Presentation should be read in conjunction with PEXA's other periodic and continuous disclosure announcements lodged with the ASX, which are available at www.asx.com.au.

This presentation and the information accompanying it (Presentation) has been prepared and provided solely by PEXA Group Limited (PEXA or the Company).

No offer of securities

This Presentation is not a Prospectus, product disclosure statement or offer document under Australian law or the laws of any other jurisdiction. It is not and should not be considered, and does not contain or purport to contain, an offer, invitation, solicitation or recommendation with respect to the subscription, purchase or sale of any securities in PEXA or any other entity. The information contained in the Presentation has been prepared without taking account of any person's investment objectives, financial situation or particular needs and nothing contained in the Presentation constitutes investment, tax, legal or other advice. You must not rely on the Presentation but make your own independent assessment and rely on your own independent taxation, legal, financial or other professional advice.

Financial data

All financial amounts contained in this Presentation are expressed in Australian dollars (unless otherwise stated). Note: numbers may not sum due to rounding.

Certain financial information included in this Presentation is 'non-IFRS financial information' under Regulatory Guide 230 'Disclosing non-IFRS financial information' published by ASIC. PEXA believes this non-IFRS financial information provides useful information to users in measuring the financial performance and condition of PEXA. The non-IFRS financial information does not have standardised meanings prescribed by Australian Accounting Standards and, therefore, may not be comparable to similarly titled measures presented by other entities, nor should it be construed as an alternative to other financial information determined in accordance with Australian Accounting Standards. You are cautioned, therefore, not to place undue reliance on any non-IFRS financial information or ratio included in this Presentation.

Forward Statements

No representation or warranty, expressed or implied, is made as to the accuracy, reliability, adequacy or completeness of the information and opinions contained in the Presentation.

We use words such as 'will', 'may', 'intend', 'seek', 'would', 'should', 'could', 'continue', 'plan', 'probability', 'risk', 'forecast', 'likely', 'estimate', 'anticipate', 'believe', or similar words to identify Forward Statements. Forward Statements are based on assumptions and contingencies which are subject to change without notice, may involve known and unknown risks and uncertainties and other factors, many of which are beyond the control of PEXA, and have been made based upon management's expectations and beliefs concerning future developments and their potential effect on us.

No representation is made or will be made that any Forward Statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from the Forward Statements. Circumstances may change and the contents of this Presentation may become outdated as a result.

Except as required by applicable laws or regulations, PEXA does not undertake any obligation to provide any additional or updated information or revise the Forward Statements or other statements in this Presentation, whether as a result of a change in expectations or assumptions, new information, future events, results or circumstances.

Past performance

Past performance and historical information given in this Presentation is given for illustrative purposes only and should not be relied upon as (and is not) an indication of future performance.

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