SEQUOIA FINANCIAL GROUP LTD — AGM Information 2025

Nov 19, 2025

AGM CEO Presentation

Presenter

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----- Start of picture text ----- GARRY CROLEMD / CEO----- End of picture text -----

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----- Start of picture text ----- 20 November 2025----- End of picture text -----

S e q u o i a F i n a n c i a l G r o u p | 1

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----- Start of picture text ----- FY2025 ResultsOperatingRevenue NPATprofit [1]$124.1m $9.9m $3.2mCash andOperating DPSInvestmentscashflow4.0 cps $20.3m$6.1m($4.95m)after tax----- End of picture text -----

1. Operating profit (normalised EBITDA) excludes non-operating items

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Sequoia Financial Group has two major operating divisions

Legal and Administration Services

Licensee and Adviser Services

Client Accounting firms Financial Planners Legal Firms Self directed trustees

Services Legal structure Establishments SMSF administration

Brands DocsCentre Panthercorp CastleCorp Constitute NTAA Corporate SMSF Engine Sequoia Superannuation

Client

Services

Brands

Financial Planners

Licensee services Corporate Finance Media Services APAC advisers Salaried personal advice InterPrac Financial Planning Sequoia Wealth Management Sequoia Family Office Sequoia Corporate Finance Sequoia Financial Advice Sequoia Asset Management Sequoia Media Sequoia Home Loans Sequoia Specialist Investments* Sequoia Direct*

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• SSI and Sequoia Direct are business in run off for closure or sale.

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Sequoia Financial Consolidated Group

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Streamlining and Earnings Diversification continues

• Revenue has continued to grow in existing businesses after divestment of several high revenue businesses over the last 3 years

• Operated earnings after head office costs have increased from $4.6m in FY 2023 to $9.9m in FY 2025

• Shares on issue have reduced by almost 10% over last 3 years in addition to strong dividend distribution

• Diversification of operating earnings continues to move from low margin licensee for hire business to more attractive margins in salaried advice, legal documents and self managed superannuation businesses.

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----- Start of picture text ----- $mRevenue EBITDA Head Office Total150135124.6 124.1120105 98.590 S e q uo i aF i n a75n c i a lG r o u60p | 4453012.8 12.415 8.6 9.97.44.6- 2.8 - 4.2 - 2.50-15FY23 FY24 FY25----- End of picture text -----

Legal and Administration Services

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Growth in users accelerated in second half

• Continued growth in legal document marketplace with users increasing from 1,250 to 1,400 across the period mostly in second half of the year

• EBITDA continued to expand in legal docs after head office charge back with SMSF administration operating profit stable on PCP

• Second half result strengthened and has continued into first half of FY 2026

• This customer base of 1,400 accounting and tax agents across Australia provides strong upside for our salaried advice business and APAC strategies within the Licensee services division.

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----- Start of picture text ----- $mRevenue EBITDA Head Office Total1210.09.7108.5864.2 4.043.02.4 2.521.3- 1.1 - 1.7 - 1.00-2-4FY23 FY24 FY25----- End of picture text -----

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Licensee and Adviser Services

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Operating Margin improved in second half as salaried advice businesses enhanced margin

• InterPrac licensee for hire business impacted after termination of 3 advice practices who

recommended investments in Shield and First Guardian via superannuation platforms of Netwealth, Macquarie, One Vue and New Quantum

• Salaried advice businesses streamlined and improved margin with long-term upside for growth

• APAC initiatives expected to deliver long term improved margins

• 2023 numbers are restated to reflect comparative purposes.

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----- Start of picture text ----- $m Revenue EBITDA Head Office Total150135120 114.2 113.210589.3907560453015 8.6 8.45.0 6.1 6.93.3- 1.7 - 2.5 - 1.50-15FY23 FY24 FY25----- End of picture text -----

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Corporate Information

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----- Start of picture text ----- •Shares on Issue (reduced from 135.1m @ July 1, 2023 ) 123.6 m•Top 20 shareholders 55.64%•Number of shareholders 894•Franking Credit balance $ 16.7m•Market Cap @ 0.23c $ 28.4m•Cash and Listed shares @ June 30, 2025 $ 20.3m•Investments in unlisted assets (Euree/ Morrison) @ June 30, 2025 $10.7m•Enterprise Value at 23 cents share price Nil----- End of picture text -----

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Looking ahead

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• Disruption to the licensee-for-hire is expected to experience adviser losses within InterPrac FP business over the next 12–18 months

• InterPrac FP will defend the ASIC Federal Court proceedings and continue to call for ORFR member remediation

• Sequoia Wealth Management ’s broking business delivered a strong second half in FY 2025, and has continued improved performance into FY 2026

• Salaried advice businesses have all commenced FY2026 strongly and expected to contribute more proportionally to group earnings show

• Legal document business performed strongly in second half of FY 2025 and begun FY 2026 strongly, with EBITDA up more than 20% on PCP YTD.

• The SMSF business streamlined back office and consolidating services into a single Melbourne office and is expected to further improve

• performance in FY 2026

• The media business moved into profitability in late FY 2025

• All operating businesses, excluding InterPrac FP, and on a consolidated basis are ahead of PCP on YTD basis.

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