#1MoneyLion Credit Suisse Technology Conference Investor Presentation December 1, 2021 9:41 ← Crypto Trading powered by Zero Hash Total dollar value $60.00 1D My wallet 1W Bitcoin $30,730.00 Ethereum $1,272.29 1M 1Y Sell Buy Fund your account to start investing! AL - : 9:41 ← RoarMoney MoneyLion Get bonus cashback this month Earn extra $with Cashback Calendar Balance $185.50 Add money Safety Net $1,753.06 available funds Virtual card Transfer $185.50 RoarMoney $1,000 Instacash $567.56 Investments Use Safety Net all Physical card : Ⓒ#2Disclaimer Use of Non-GAAP Financial Measures Some of the financial information and data contained in this presentation, such as adjusted revenue, adjusted gross profit and adjusted net income, have not been prepared in accordance with United States generally accepted accounting principles ("GAAP"). MoneyLion management uses these non-GAAP measures for various purposes, including as measures of performance and as a basis for strategic planning and forecasting. MoneyLion believes these non-GAAP measures of financial results provide relevant and useful information to management and investors regarding certain financial and business trends relating to MoneyLion's results of operations. MoneyLion's method of determining these non-GAAP measures may be different from other companies' methods and, therefore, may not be comparable to those used by other companies and MoneyLion does not recommend the sole use of these non-GAAP measures to assess its financial performance. MoneyLion management does not consider these non-GAAP measures in isolation or as an alternative to financial measures determined in accordance with GAAP. The principal limitation of these non-GAAP financial measures is that they exclude significant expenses and income that are required by GAAP to be recorded in MoneyLion's financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by management about which expense and income are excluded or included in determining these non-GAAP financial measures. In order to compensate for these limitations, management presents non-GAAP financial measures in connection with GAAP results. You should review MoneyLion's financial statements, which are included in MoneyLion's 10-Q, and not rely on any single financial measure to evaluate MoneyLion's business. To the extent that forward-looking non-GAAP financial measures are provided, they are presented on a non-GAAP basis without reconciliations of such forward-looking non-GAAP measures, due to the inherent difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliation, which could be material based on historical adjustments. Forward-Looking Statements The information in this press release includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as "estimate," "plan," "project," "forecast," "intend," "will," "expect," "anticipate," "believe," "seek," "target" or other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These forward-looking statements include, but are not limited to, statements regarding estimates and forecasts of financial and performance metrics and expectations and timing related to potential benefits, terms and timing of the transaction. These statements are based on various assumptions, whether or not identified in this press release, and on the current expectations of MoneyLion's management and are not predictions of actual performance. 2 10⁰ Actual events and circumstances are difficult or impossible to predict and will differ from assumptions. Many actual events and circumstances are beyond the control of MoneyLion. These forward-looking statements are subject to a number of risks and uncertainties, including changes in domestic and foreign business, market, financial, political and legal conditions; failure to realize the anticipated benefits of the proposed business combination; risks relating to the uncertainty of the projected financial information with respect to MoneyLion; future global, regional or local economic and market conditions; the development, effects and enforcement of laws and regulations; MoneyLion's ability to manage future growth; MoneyLion's ability to develop new products and solutions, bring them to market in a timely manner, and make enhancements to its platform; the effects of competition on MoneyLion's future business; or, the outcome of any potential litigation, government and regulatory proceedings, investigations and inquiries. If any of these risks materialize or our assumptions prove incorrect, actual results could differ materially from the results implied by these forward-looking statements. There be additional risks that MoneyLion presently knows or that MoneyLion currently believes are immaterial that could also cause actual results to differ from those contained in the forward- looking statements. In addition, forward-looking statements reflect MoneyLion's expectations, plans or forecasts of future events and views as of the date of this press release. MoneyLion anticipates that subsequent events and developments will cause its assessments to change. However, while MoneyLion may elect to update these forward- looking statements at some point in the future, MoneyLion specifically disclaims any obligation to do so. These forward- looking statements should not be relied upon as representing MoneyLion's assessments as of any date subsequent to the date of this press release. Accordingly, undue reliance should not be placed upon the forward-looking statements.#3We are Money Lion MoneyLion is empowering hardworking Americans to take control of their financial lives through powerful products that make it easier to borrow, save, invest and earn. Our vision is to become a daily destination. 3 Our mission Create financial access and advice by rewiring the banking system 375 Global Team Members New York All app stores +100k Kuala Lumpur Sioux Falls Apple rating 4.7 Remote TrustPilot rating 4.6 old#4A World Class Board to Realize the MoneyLion Mission * COMPLIANCE Annette Nazareth AND PICHANG TIES.COM Davis Polk COMPLIANCE Ambassador Dwight Bush Sr. *EM UNITED STA OF AM AMERICA EMBASSY COMMUNITY Lisa Gersh goop M ST ART THA M TE WAR 4 DATA Matt Derella Google CONTENT Michael Paull Disney+ ESPA+ FINANCE Jeff Gary AVENUE CAPITAL GROUP BlackRock#5America's Most Robust Digital Financial Platform Bank, Borrow, Invest, and Grow - all in one app Finances Let's set up your financial profile Improve credit score Sove for retirement Fay off student loans Save for a large purchase Paymyon time Track my spending Family medical Understand Crypto Get married Pay off debt Stick to a budget Buy a car Lower my bills Giving 4 Maintaina car Save for vacation Startinvesting Save for education Advice Investments Account 1234 $12.48 $0.95 (482%) Add money My Porfolio Cash $5.00 $11.43 DEC 30 Withdraw Manage Moderately Conservative Mix $2312+54.66) Future Innovation Investing Crypto Trading powered by Zero H Total dolore $60.00 My vol Bitcoin $30.730.00 Ethereum $1.272.39 M Sell Fund your account to start investing ⠀ $60.00 OBTC $0 OETH W Crypto RoarMoney Maraylion Get bonus cashback this month Earnestra $with Cashback Calendar Balance $185.50 Add money Safety Net $1753.06 Transfer $185.50 Roar Money $1000 $567.56 Investments Use Safety Net 68 Ⓡ Physical card 1 Banking 0 In time of excess 5 21 For Get a personal loan offer in 60 seconds yar polando ⒸSXFunds Receive funding up to $35,000 Ontdedinging back to school? Up to $6.345 in educational gants may be available to you, If you quality Review your education quications now! 0 Acom Marketplace In time of need Enjoy now. Pay over time. No interest. Ⓒ Shop now, pay later Buy the things you want and pay for them over 4 interest-free installments Qualifying purchases are between $50 and $600 2 A RoarMoney account with regular direct deposit is required. 3 Only one active Credit Builder Plus or Overtime loan is allowed. 4 Applying will not affect your credit score See if qualify Pay Later In Beta Q3'21 1174 Select Instacash amount You ne $10 $15 $20 $25 $30 $35 $40 $45 Get $10 now Cash Advance Credit Builder Plus"! Here's what we can offer you today to help you get cat save money and build credit Mat you are eligible for Ö Cadit Builder Plus loan 15,89% APR Checking Account Transferred today Cedit Reserved Account upon poff Lion's Share Loyalty Program $1939 check monthly $100 hendre Account Your ecuring loan payments Next $400 Credit Builder#6RoarMoney Demand Deposit Account Banking that gives you more A lot more. Like your paycheck up to two days early with RoarMoneySM - plus easy ways to borrow, save, invest, and earn. All in one app LE3 Cash & Crypto Round Ups and Rewards D Get paid up to 2 days early MoneyLion Mastercard price protection up to $1,000 6 9:41 Let's set up and fund your account 4 minutes estimated time to finish setting up. MoneyLion Cha-ching! You just got paid 2 days early! 12,345* people living ne you have an ac Let's go 9:41 RoarMoney MoneyLion Get bonus cashback this month Earn extra $with Cashback Calendar Balance $185.50 Add money Safety Net $1,753.06 available funds L Transfer $185.50 RoarMoney $1,000 Instacash $567.56 Investments all : 70⁰#7Investing Fully Managed Investment Account Investing in yourself is this easy Reach your goals faster with managed portfolios and auto investing - no management fees or minimums. $ Auto investing e Personalized portfolios E| Collateralize your account 7 9:41 个 U₁ Investments Account 1234 $12.48 ↑ $0.95 (4.82%) 1W Add money S Start investing with $5 Deciding when to invest can be confusing. Make life easier with Auto Invest. All you need is $5. 1M 1Y $5 Withdraw ALL $7 $10 Other 5⁰⁰#8Crypto Buy, sell, & earn Crypto 24/7 Effortlessly buy, sell, and earn cryptocurrencies, like Bitcoin and Ethereum, through the MoneyLion app and use a crypto wallet to round up RoarMoney debit card purchases in Bitcoin. В Trade top currencies Round up to Bitcoin * Earn Bitcoin rewards 8 Round Ups 9:41 ← Crypto Trading powered by Zero Hash Total dollar value $60.00 1D 1W Manage Bitcoin $30,730.00 Ethereum $1,272.29 ALL ... : $60.00 OBTC $0 10⁰#9K GamePlan A Personal Financial GamePlan Consumers get a personalized GamePlan to earn more, set goals, pay off debt, improve credit scores based on their own data and habits. Creates a natural path to MoneyLion's first party financial products as well as third party non-financial products. Do Personalized advice for every user Build a rainy day fund, or payoff debt O Goals based contextualized instructions 9 9:41 ← Finances Let's set up your financial profile Improve credit score Grow my savings Save for retirement Pay off student loans Save for a large purchase Pay my bills on time Track my spending Pay medical bills Understand Crypto Family @ Get married Stick to a budg Pay off deb X Buy a car Lower my b Giving Maintain a Save for vaca Start investing 9:41 Save for education Based on your spending, you should work towards a rainy day fund of $5,000 Set savings goal I already did it Offered by ML Wealth LLC-View disclosures MARE 5⁰⁰#1019 Marketplace Make the most of your money Save, protect & grow your money with personalized insights, advice and recommendations from MoneyLion and our network of partners Personalized feed of financial content Access to MoneyLion exclusive offers Best-in-class network of partners 10 1:127 Search neyLife How you can fix your credit score in six months Here are six easy and inexpensive steps you can take right now that can help boost your credit score! Learn more Coca Insurify Partner offer Insurance 4 Today Compare insura for FI @ Stop burning cash on car insurance Compare quotes from top car insurance compan one place. Get your quote, pick your coverage op and drive-all in minutes, all for free. O Credit Accounts Loans MoneyLine podcasts New episodes: MONEY SO1E01 Don't buy a boat S01E03 MoneyLife video series New episodes weekly Marketplace Shop with Overtime Women Who Roar S01 E03 See all How to dress on a budget S03 E04 See all $600 pre-approved 10⁰#11(0) in CTV J in FINTECH 3.0: CONSUMER MARKETPLACE OWNING THE CULTURE OF MONEY MAYNER S NEY NEY#12MoneyLion Becomes the Daily Destination for Financial Decision Making INTENT BUY A NEW CAR AFFORD A VACATION BUY A HOUSE BUILD CREDIT SCORE PRODUCT RETIREMENT PETS GIG WORK INSURANCE SAVE FOR COLLEGE START BUSINESS KID'S INHERITANCE CRYPTO INVESTING DATA DECISION MARKETPLACE 12 O in 16 J INFLUENCE O JUO CULTURE 10⁰#13MALKA Acquisition: Turning content & culture into commerce MoneyLion's members will be able to activate financial solutions and purchase products while consuming hyper-personalized content that engages and educates customers, daily 525 -19 pts TransUnion Last checked Nov 01 521k followers Watch full video Austin's daily show Personal finance in human language Buy a dream home 24 Today 13 $1,034.67 October spending Loans 7.4 +1.4 Financial heartbeat Accounts Credit (3) See all Rewards s 9:41 Austin's daily show Personal finance in human language Round up to Crypto Turn on auto-invest More like this SWITCHED ON STOCK ...I > > See all AMERICAN Personalized guidance informs immediate action on first & third-party products#14Core Growth Drivers Significant upside from scaling proven products and marketplace strategy Continue penetrating enormous addressable market Well capitalized with public currency 14 Increase top of funnel conversion |= Rollout of new products Cross-sell products with platform approach KY#15Financial Update 1⁰⁰#16Summary Metrics Adjusted Revenue (1) (in millions) $14 $17 3.4 $19 3.5 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Total Products (5) (in millions) $25 4.0 $33 4.5 5.1 $36 $42 || Q2 2021 Q3 2021 5.9 6.9 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Adjusted Gross Profit (2) (in millions) 16 $5 $9 1.0 1.0 $11 Q1 2020 Q2 2020 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Total Customers (3) (in millions) $14 1.2 $19 1.4 1.8 $22 Q3 2020 Q4 2020 Q1 2021 2.2 Q2 2021 $27 Q3 2021 Note: Adjusted revenue and adjusted gross profit are non-GAAP measures. See the Appendix for a reconciliation of these measures to their nearest GAAP equivalents. See "Footnotes" section for detailed footnotes and definitions. 2.7 Q3 2021#17Platform Approach Drives Diverse Revenue Model उत Interchange Investing %§ Wealth-RIA Admin Fees PAYMENTS Roar Money 75 Out-of-Network ATM Fees ADVICE Admin Fee Affiliates Product Recommendation and Affiliate Fees 17 Instacash Instant Transfer Convenience Fees {$ FEES Tips Credit Builder Plus INTEREST Credit Builder Plus % Interest Income VIP Membership#18Third Quarter 2021 Performance Third consecutive quarter with +100% Y/Y Adjusted Revenue growth at +60% Adjusted Gross Profit margin Adjusted Revenue (1) (in millions) $14 $17 $19 Q/Q growth 18% Y/Y growth $25 13% $33 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 33% $36 28% 125% $42 12% 114% 15% 119% Adjusted Gross Profit (2) (in millions) Margin 35% $5 18 51% $9 55% Q/Q growth 73% Y/Y growth $11 56% 22% $14 60% 34% $19 61% Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 37% 285% $22 64% 14% 155% $27 Note: Adjusted revenue and adjusted gross profit are non-GAAP measures. See the Appendix for a reconciliation of these measures to their nearest GAAP equivalents. See "Footnotes" section for detailed footnotes and definitions. 21% 154%#19FY 2021 Forecast Strong momentum across Adjusted Revenue and Adjusted Gross Profit Adjusted Revenue (1) (in millions) $40 2019A Y/Y growth $76 2020A 94% $136 LTM $155 2021E 104% $285 2022E 84% Adjusted Gross Profit (2) (in millions) Margin 19 4% $2 2019A Y/Y growth 51% $39 2020A 61% $83 LTM 65% $100 2021E 159% 71% $202 2022E 102% Note: Last Twelve Months (LTM) as of September 30, 2021. Note: Adjusted revenue and adjusted gross profit are non-GAAP measures. See the Appendix for a reconciliation of these measures to their nearest GAAP equivalents. See "Footnotes" section for detailed footnotes and definitions. Note: Guidance excludes impact from recent acquisition of MALKA.#20Strong Growth in Total Customers Accelerating growth in Total Customers, reaching 131% Y/Y growth in Q3 2021 Total Customers (³) (in millions) 1.0 Q1 2020 Q/Q growth Y/Y growth 1.0 Q2 2020 4% Note: See "Footnotes" section for detailed footnotes and definitions. 1.2 Q3 2020 14% 1.4 Q4 2020 23% 20 1.8 Q1 2021 26% 85% 2.2 Q2 2021 20% 113% 2.7 Q3 2021 24% 131%#21Key Operating Metrics Total Originations and Products driving positive Revenue per Product trend Total Originations (4) (in millions) $62 $77 $117 Q/Q growth 24% Y/Y growth $155 52% $189 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 33% 22% 204% $237 Note: See "Footnotes" section for detailed footnotes and definitions. $274 26% 209% 16% 135% 21 Total Products (5) (in millions) 3.4 3.5 4.0 Q/Q growth 6% Y/Y growth 4.5 12% 5.1 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 13% 5.9 14% 53% 6.9 16% 67% 17% 75%#22ARPU Summary $55 ARPU with upside to +$155 for mature cohorts 2021 YTD (Annualized) $55 Total Customers (3) $155 + $100 1+ Product << Mature Cohorts >> 22 $235 + $80 2+ Products Note: 2021 YTD as of September 30, 2021. Total Customers ARPU is based on total customers as of September 2021 and annualized 2021 YTD revenue. ARPU for 1+ and 2+ products relates to LTM median cohort performance as of September 2021. Revenue used for 1+ and 2+ products excludes Advice related revenue. Note: See "Footnotes" section for detailed footnotes and definitions. 10⁰#23Segment Revenue and Adjusted Net Income Core and emerging businesses driving growth and profitability (in millions) Adjusted Revenue by Type Fees Payments Advice Interest Adjusted Revenue (1) Adjusted Gross Profit (2) Adjusted Net Income (6) Total Originations (4) Provision as % of Originations (7) Q1 2020 $11.5 1.5 0.7 0.8 $14.4 $5.0 ($6.8) $62.0 4.9% FY 2020 Q2 2020 $13.6 1.6 0.6 1.2 $17.0 $8.7 $1.1 $76.7 (0.6%) Q3 2020 $15.4 1.4 0.7 1.6 $19.2 23 $10.6 ($5.7) $116.7 5.7% Q4 2020 $20.5 2.1 1.4 1.5 $25.5 $14.2 ($11.8) $154.9 5.7% Q1 2021 $25.5 3.8 1.3 1.9 $32.5 $19.4 ($2.3) $188.7 2.6% FY 2021 Q2 2021 $28.0 3.7 2.5 2.3 $36.4 $22.3 ($12.0) $237.1 5.7% Q3 2021 $32.8 3.0 3.4 2.8 $42.0 $27.0 ($20.3) $274.2 4.6% One-time transaction related expenses and variable costs driven by outperformance reduce Q3 2021 profitability, however, creates strong momentum heading into Q4 2021 and 2022 Note: Adjusted revenue, adjusted gross profit and adjusted net income are non-GAAP measures. See the Appendix for a reconciliation of these measures to their nearest GAAP equivalents. See "Footnotes" section for detailed footnotes and definitions. 10⁰#24Conclusion ▪ Fortified balance sheet provides us ample resources to realize our strategic vision Accelerating user growth of our "all in one" financial platform demonstrates strong product market fit, with additional cross sell and ARPU expansion opportunities ■ ▪ High confidence in ability to scale marketing budgets while continuing to deliver efficient CAC and payback periods ▪ Strong data advantage allows us to aggregate consumer needs and goals and deliver a differentiated Marketplace strategy ▪ World class management team and Board of Directors in place 24 10⁰#25Thank You 4 SS#26Appendix 1⁰⁰#27MALKA Acquisition Details Terms of Acquisition Background Management & Governance MALKA acquired at a share floor price of $9.00 ▪ $10 million in cash up front. $30 million in restricted MoneyLion Inc. ("ML") common stock provided to key management as part of employee and retention agreements I ▪ Up to an additional $40 million in restricted ML common stock if MALKA Media Group LLC's ("MALKA") revenue and EBITDA exceeds certain targets in 2021 and 2022 ■ I ■ ■ Total purchase price of approximately $75 million, assuming full achievement of the earnouts, subject to share price floors, make-whole provisions and customary purchase price adjustments Deal talks began in Summer 2021, coming after 4 successful years of ML and MALKA working together Further de-risks marketing investments made in 2022 MALKA will operate as an indirect, wholly-owned subsidiary of MoneyLion Inc. MALKA founder and CEO Louis Krubich and co-founder and President Jeff Frommer will lead the day-to-day operations, alongside partners Pat Capra and Dan Fried *Malka's 2021 revenue projection is based on unaudited financial information 27 10⁰#28Reconciliation to Non-GAAP Financials: Adjusted Revenue ($ millions) Total revenues, net (GAAP) Add back: Amortization of loan origination costs Less: Provision for loss on receivable - membership receivables Provision for loss on receivable - fees receivables Revenue derived from products that have been phased out Non-operating income Adjusted Revenue (non-GAAP) Q1 2020 $16.8 0.4 (1.0) (0.1) (1.6) (0.1) $14.4 FY 2020 Q2 2020 $17.0 0.7 (0.4) (0.1) (0.3) (0.0) $17.0 28 Q3 2020 $23.1 0.2 (3.4) (0.5) (0.3) (0.0) $19.2 Q4 2020 $22.5 0.5 2.9 (0.7) 0.2 (0.0) $25.5 Q1 2021 $33.2 0.1 (0.2) (0.6) 0.1 (0.0) $32.5 FY 2021 Q2 2021 $38.2 0.5 (0.9) (1.3) 0.0 (0.0) $36.4 Q3 2021 $44.2 0.5 (1.0) (1.7) (0.0) (0.0) $42.0 1⁰⁰0#29Reconciliation to Non-GAAP Financials: Adjusted Gross Profit ($ millions) Total revenues, net (GAAP) Less: Cost of Sales Gross Profit (GAAP) Less: Revenue derived from products that have been phased out Non-operating income Adjusted Gross Profit (non-GAAP) Q1 2020 $16.8 (10.1) $6.7 (1.6) (0.1) $5.0 FY 2020 Q2 2020 $17.0 (8.0) $9.0 (0.3) (0.0) $8.7 29 Q3 2020 $23.1 (12.2) $10.9 (0.3) (0.0) $10.6 Q4 2020 $22.5 (8.6) $14.0 0.2 (0.0) $14.2 Q1 2021 $33.2 (13.8) $19.3 0.1 (0.0) $19.4 FY 2021 Q2 2021 $38.2 (15.9) $22.3 0.0 (0.0) $22.3 Q3 2021 $44.2 (17.3) $27.0 (0.0) (0.0) $27.0 1⁰⁰0#30Reconciliation to Non-GAAP Financials: Adjusted Net Income ($ millions) Net income (loss) (GAAP) Add back: Change in fair value of warrants Charge in fair value of subordinated convertible notes One-time expenses Adjusted Net Income (Loss) (non-GAAP) Q1 2020 ($6.8) ($6.8) FY 2020 Q2 2020 $1.1 $1.1 30 Q3 2020 ($5.5) (0.2) ($5.7) Q4 2020 ($30.4) 14.6 4.0 ($11.8) Q1 2021 ($73.4) 31.2 39.9 ($2.3) FY 2021 Q2 2021 ($39.2) 17.6 9.6 ($12.0) Q3 2021 ($20.3) (6.6) 6.5 ($20.3)#31Footnotes (1) Adjusted Revenue is a non-GAAP measure and is defined as total net revenue plus amortization of loan origination costs less provision for loss on membership receivables, provision for loss on fees receivables, revenue derived from products that have been phased out and non-operating income. (2) Adjusted Gross Profit is a non-GAAP measure and is defined as gross profit less revenue derived from products that have been phased out and non-operating income. (3) Total Customers is the cumulative number of customers that have opened at least one account, including banking, membership, secured personal loan, Instacash advance, managed investment account, cryptocurrency account or affiliate product. (4) (5) Total Originations is the dollar volume of the secured personal loans originated and Instacash advances funded within the stated period. Total Products is the total number of products that our total customers have opened including banking, membership subscription, secured personal loan, Instacash advance, managed investment account, cryptocurrency account, affiliate product, or signed up for our financial tracking services (with either credit tracking enabled or external linked accounts), whether or not the customer is still registered for the product. If a customer has funded multiple secured personal loans or Instacash advances, it is only counted once for each product type. Adjusted Net Income (Loss) is a non-GAAP measure and is defined as net income (loss) plus change in fair value of warrants, change in fair value of convertible notes and one-time expenses. (6) (7) Provision as a % of Originations is defined as provision for loss on finance receivables for the period divided by total originations for the period. 31 10⁰