Investor Presentaiton

EML Payments H1 FY2022 Financial Results Malls Volumes up on Increased Foot Traffic GDV was up 26% on H1 FY21 GDV up 6% on H1 FY20 (pre-COVID-19) despite the impact of Omicron on December results Canada: ― Volumes improved on both H1 FY21 and H1 FY20, up 84% and 11% respectively Some social distancing restrictions were re- introduced in December USA: — Volumes improved on both H1 FY21 and H1 FY20, with GDV up 17% and 57% respectively GDV +26% Nordics — Improved trading conditions across the period saw GDV volumes increase United Kingdom: Effects of Omicron felt through December, with additional restrictions put in place across Scotland, Wales and Northern Ireland +52% +15% Rest of Europe: — Further restrictions introduced in December impacted volumes Germany - Some malls continue to remain closed impacting volumes in January 10 07

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