Propel Holdings (PRL) investor relations material

Opening remarks and agenda

• Meeting held virtually, with formal business led by the CFO and a Q&A session for shareholders at the end.

• Attendees informed that forward-looking statements may be discussed, with reference to risk disclosures in recent filings.

Financial performance review

• 2025 marked a record year with $590 million in revenue and $67 million in adjusted net income.

• New initiatives included the launch of Propel Bank in Puerto Rico and the FreshLine product in partnership with Column Bank.

• Strong consumer demand observed in the U.S., U.K., and Canada, targeting over 90 million underserved consumers.

Board and executive committee updates

• Seven directors nominated and confirmed to serve until the next annual meeting or until successors are appointed.

• All nominees confirmed their willingness and eligibility to serve; no other nominations received.