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Forward-looking information

This page contains forward-looking statements, including statements about planned markets, licensing, operating metrics and financing. They are based on management's current expectations and assumptions, are not guidance, and are subject to the risks described in OCAL's Filing Statement dated 9 July 2026 and its continuous disclosure on SEDAR+. Actual results may differ materially. OCAL does not undertake to update them except as required by law.

Specific forward-looking statements on this site include: the planned openings of Manitoba, Ontario and the Maritimes and a planned United States entry from 2028; the intention to raise growth capital in fiscal 2027; and the planned features of OCAL Showroom. Material assumptions include regulatory approvals on the timelines described, lender programs extended to new markets, availability of capital on acceptable terms, used-vehicle supply through OPENLANE, and operating economics consistent with the trailing period. Material risks include licensing delay or refusal, lender appetite through the credit cycle, used-vehicle price movements, competition, technology and data reliability, dependence on key people, availability of capital and the going-concern uncertainty described in the financial statements.

Non-IFRS and supplementary financial measures

Vehicles funded and delivered is a supplementary financial measure, and average vehicle selling price, gross profit per vehicle and gross margin per vehicle are non-GAAP financial measures or ratios; none is a measure defined under IFRS. OCAL calculates them as described on the Operating metrics page, applies the same definitions every period, reports them unaudited, and reconciles the per-vehicle figures to the revenue and gross profit lines of its financial statements in the release that carries them. They should be read with the financial statements and MD&A filed on SEDAR+.

Management information identified as unaudited (repossession rate, approval lift, cycle times, protection attach, repeat and referral share) is drawn from OCAL's operating systems and has not been audited or reviewed. OCAL does not publish forecasts or plan figures on this site.

No offer of securities

Nothing on this site is an offer to sell or a solicitation of an offer to buy securities in any jurisdiction. OCAL's securities have not been and will not be registered under the United States Securities Act of 1933 and may not be offered or sold in the United States absent registration or an exemption. Investors should read the Filing Statement, the financial statements and the MD&A on SEDAR+ and consult their own advisors.

Third-party data

Share price and chart data are supplied by third parties, may be delayed and are provided for information only. Market statistics are cited to their sources and have not been independently verified by OCAL.

Privacy

The email alert list is held by OCAL's email service provider under a double opt-in; addresses are used only to send OCAL's own releases, filings and event notices and are never sold or shared. The site uses Google Analytics 4 to measure visits; no personal information is collected beyond what you submit. Requests about your data go to investors@ocal.ca. OCAL complies with Canada's Anti-Spam Legislation.

Exchange disclaimer

Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this site.

Corporate

OCAL Financial Inc., Suite 500, 885 Dunsmuir Street, Vancouver, BC V6C 1N5. OCAL Financial Inc., licensed motor dealer, VSA D50207 (British Columbia). AMVIC-licensed business, AMVIC B2036050 (Alberta). Consumer financing is on approved credit; the lender makes the final approval.