Earnings Presentation Q2 2020

Despite the challenging environment, we remain focused on our strategic initiatives © 2020 Cardlytics Drive Long-term Revenue Growth • Continued FI MAU expansion both organically and through new bank partnerships. Materially expand budgets with exsiting advertisers while penetrating new advertisers and verticals. Demonstrate Operating Leverage Realize the value of technology, infrastructure, and personnel investments to support >200M FI MAUS. ● Evolve the Platform Continue adding capabilities with more exposure, enhanced content and more touchpoints. • Further simplify the Cardlytics buying process, unlocking new growth opportunities through reduced friction via automation. 8

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