Chicago Atlantic Real Estate Finance (REFI) investor relations material

Executive summary

• The annual meeting is scheduled for June 11, 2026, with voting on director elections and auditor ratification.

• Shareholders of record as of April 2, 2026, are eligible to vote, with each share entitled to one vote.

• Proxy materials and annual reports are available online, and voting can be done by mail, phone, or internet.

Voting matters and shareholder proposals

• Shareholders will elect five directors for one-year terms and ratify BDO USA, P.C. as the independent auditor for 2026.

• The board unanimously recommends voting FOR all proposals.

• Procedures for submitting shareholder proposals for the 2027 meeting are detailed, with deadlines and requirements specified.

Board of directors and corporate governance

• The board will be reduced from seven to five members after the meeting.

• Three standing committees: Audit, Compensation, and Nominating & Corporate Governance, all composed of independent directors.

• Dr. Papastavrou serves as Lead Independent Director; Mr. Mazarakis is Executive Chairman.

• Board and committees held regular meetings in 2025, with high attendance.

• The board evaluates director independence annually and has no formal diversity policy but considers diversity of experience.