Everyday People Financial to acquire ACT Credit

Mr. Gordon Reykdal reports EVERYDAY PEOPLE FINANCIAL CORP. ANNOUNCES THE ACQUISITION OF ACT CREDIT MANAGEMENT LIMITED On Nov. 6, 2025, Everyday People Financial Corp.'s wholly owned subsidiary, BPO Collections Ltd., entered into a share purchase agreement with the shareholders of ACT Credit Management Ltd. to acquire all of the issued and outstanding shares of ACT. "We are proud to announce our fifth acquisition, marking another key milestone in the expansion of our revenue cycle management business pillar," said Graham Rankin, co-chief executive officer, revenue cycle management (RCM) (United Kingdom), of the company. "ACT's reputation and operational expertise strengthen our market position and complement our strategic growth objectives. We anticipate ACT to contribute an annual EBITDA in the range of approximately $750,000 (Canadian) to $1.0-million (Canadian), with anticipated revenue to be in the range of $6.0-million (Canadian) to $9.0-million (Canadian), further supporting the company's steady growth through targeted acquisitions." About ACT Founded over a decade ago, ACT provides comprehensive debt collection and credit management services across the United Kingdom, and is authorized and regulated by the Financial Conduct Authority (FCA). ACT's client base spans multiple industries, offering specialized services in debt recovery, tracing, credit reporting and legal enforcement. Details of the acquisition Under the terms of the purchase agreement, BPO anticipates acquiring 100 per cent of the issued and outstanding shares in the capital of ACT. The company will not assume any of ACT's existing debt. The acquisition will be financed through existing cash flow and no shares will be issued. This transaction is considered non-material for the company, does not involve the issuance of Everyday People securities and does not constitute a fundamental acquisition under TSX Venture Exchange Policy 5.3. As such, the acquisition meets the criteria of an exempt transaction under TSX-V Policy 5.3. The completion of this acquisition remains subject to customary closing conditions, including, but not limited to, the receipt of all required third party and regulatory approvals, including the acceptance of the FCA in the U.K. The acquisition is anticipated to close on or about Jan. 3, 2026. No new insiders or control persons of Everyday People will be created as a result of the acquisition. Shareholder approval is not required in accordance with the TSX-V Policy 5.3. The acquisition is an arm's-length transaction and no finder's fee is to be paid in connection with the acquisition. About Everyday People Financial Corp. Everyday People Financial is a technology-driven financial services company with a mission to help individuals and businesses manage money better. First established in 1988, the company has a work force of over 600 people operating in the United Kingdom and Canada providing fully fee-for-service solutions across two business pillars operating in Canada and the United Kingdom: Revenue cycle management, which helps organizations recover receivables and streamline billing processes without purchasing consumer debt; Financial services, which provides digital tools and credit access programs that support Canadians on their financial journey. Founded on the belief that everyone deserves a second chance to rebuild financial health and wealth, the company is committed to providing affordable, innovative and responsible financial solutions that create lasting value for its clients, customers and shareholders. The company is changing the way people manage money by enhancing its client and consumer services with its own affordability assessment programs with specialized financial products and literacy programs. It is helping everyday people rebuild their financial health for generational wealth. It stands for creativity and entrepreneurship. Its combination of companies, products and services has been established to ensure it can fulfill consumers' financial needs and service them in a low-cost and effective manner. We seek Safe Harbor.