2025 ANNUAL GENERAL MEETING 28 AUGUST 2025 S M A R T P A Y H O L D I N G S L I M I T E D Important Notice This presentation has been prepared by Smartpay Holdings Limited (NZX: SPY/ASX: SMP) (the Company or Smartpay) for the purpose of briefings in relation to its financial statements. This presentation may contain certain statements and projections provided by or on behalf of Smartpay Holdings Limited Group (Smartpay) with respect to anticipated future undertakings. Any forward-looking statements reflect v ...