Tenet Fintech: Investor presentation

GENERAL

Unless otherwise stated or the context otherwise requires, all references in this presentation to “Tenet”, “Tenet Fintech”, “the Company”, “we”, “our”, “our”, “us” or similar terms refer to Tenet Fintech Group Inc., together with its subsidiaries. All “$” values ​​expressed in this presentation, unless otherwise specified, are in Canadian dollars.

Any graphs, tables or other information showing our historical performance or that of other entities in this presentation are intended to illustrate past performance only and are not necessarily indicative of our or any such entity’s future performance. The information in this presentation is accurate only as of the date of this presentation or the date indicated. No securities regulatory authority has expressed an opinion about the securities described here, and it is a criminal offense to claim otherwise.

NON-IFRS MEASURES

This presentation refers to certain non-IFRS measures, which do not have a standardized meaning prescribed by IFRS, and are therefore unlikely to be comparable to similar measures presented by other companies. Please see the Company’s press release dated April 3, 2023 and Appendix A for more details on non-IFRS measures and the definition of “Adjusted EBITDA”.

CAUTION NOTE REGARDING FUTURE INFORMATION

This presentation contains “forward-looking information” within the meaning of applicable Canadian securities laws (“forward-looking statements”). Forward-looking statements are neither historical facts nor assurances of future performance. Instead, they are based on our current beliefs, expectations or assumptions regarding the future of our business, future plans and strategies, our operating results and other future conditions. Forward-looking statements can be identified by words such as “anticipate”, “believe”, “estimate”, “expect”, “intend”, “may”, “plan”, “predict”, “project”, “seek”, ” target”, “potential”, “will”, “would”, “could”, “should”, “continue”, “consider” and other similar expressions, although not all forward-looking statements contain these identifying words. These forward-looking statements include all matters that are not historical facts and include statements regarding our intentions, beliefs or current expectations regarding, among other things, our financial results, financial condition, liquidity, prospects, growth, strategies and the industry in which we operate. Although we base the forward-looking statements in this presentation on assumptions that we believe are reasonable, we caution you that actual results and developments (including our financial results, financial position and liquidity, and the development of the industry in which we operate) may differ materially from those made in or suggested by the forward-looking statements in this presentation. Despite a careful process to prepare and review the forward-looking statements, no assurance can be given that the underlying beliefs, estimates and assumptions will prove to be correct.

By their nature, forward-looking statements involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. Forward-looking information involves known and unknown risks and uncertainties, many of which are beyond our control, which could cause actual results to differ materially from those disclosed in or implied by such forward-looking information. These risks and uncertainties include, but are not limited to, those described in more detail under “Risk Factors” in the preliminary prospectus. If any of these risks materialize, or if any of the above assumptions underlying forward-looking statements prove to be incorrect, actual results and developments may differ materially from those made in or suggested by the forward-looking statements in this presentation. Given these risks and uncertainties, you are cautioned not to place undue reliance on these forward-looking statements. Any forward-looking statements that we make in this presentation speak only as of the date of this presentation and, except as required by law, we undertake no obligation to update any forward-looking statements or publicly announce the results of any revisions to any of these statements to reflect future events or developments. Comparisons of results for current and prior periods are not intended to express any future trends or indications of future performance, unless specifically expressed as such, and should be viewed only as historical data.

TRADEMARKS

This presentation includes certain trademarks, which are protected under applicable intellectual property laws and belong to Tenet. Solely for convenience, our trademarks referred to in this presentation may appear without the ® or ™ symbol, but such references are not intended to indicate in any way that we will not assert our rights to those trademarks to the fullest extent under applicable law. All other trademarks used in this presentation belong to their respective owners.

CAUTIONARY NOTICE REGARDING AMERICAN VALUABLES

This presentation does not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the securities of Tenet in any jurisdiction where such offer, solicitation or sale would be unlawful prior to registration or qualification under to the securities laws of such jurisdiction. The securities of Tenet have not been and will not be registered under the United States Securities Act of 1933, as amended (the “US Securities Act”), or any state securities laws and may not be offered or sold in the United States or to , or for the account or the benefit of which, “US persons”, as such term is defined in Regulation S under the US Securities Act, unless an exemption from such registration is available.

IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN RESEARCH OF THE COMPANY AND THE TERMS OF THE OFFER, INCLUDING THE PROFITS AND RISKS. THE SECURITIES OF THE COMPANY HAVE NOT BEEN APPROVED OR REFERRED TO BY THE SECURITIES AND EXCHANGE COMMISSION OR BY ANY STATE SECURITIES AUTHORITY OR REGULATORY AUTHORITY, AND DOES NOT HAVE ANY OF THE FOREGOING AUTHORITY. ANY REPRESENTATION WHETHER RECEIVED IS A CRIMINAL LAW.

Readers should be aware that the acquisition, holding or disposal of the securities described herein may have tax consequences in both Canada and the United States. The tax consequences of the acquisition, holding or disposal of such securities for investors who are residents of, or citizens of, the United States are not described herein. Accordingly, any prospective investor is advised to consult their own tax advisors regarding the application of federal income tax laws to their particular circumstances, as well as any state, provincial, local, foreign and other tax consequences of investing in the securities described herein and acquiring, holding or disposing of such securities. Investing in the securities described here involves risk. An investment in the securities is only suitable for investors who fully understand and are able to bear the risks of such an investment. Prospective investors should carefully review and consider the information disclosed in the offering documents, including the “Risk Factors” described in the preliminary prospectus.

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