Investor Presentaiton

EML Payments H1 FY2022 Financial Results Gross Debit Volume (GDV) GDV $31.6bn 2099 GDV by Segment (A$m) 5 Year CAGR 75% $19.5m General Purpose Reloadable (GPR) $6.3bn 29% Strong growth in GDV volumes primarily in Europe where key programs PCS, Correos and Home Office grew strongly against PCP. Continued to see growth across gaming and salary packaging verticals. Pipeline for GPR segment remains strong and focussed on larger opportunities. Gift & Incentive [G&I) • • $0.9bn 21% Significant recovery from impacts of COVID in the prior year. GDV was up $0.15bn vs PCP, with GDV exceeding pre-COVID volumes in Europe and North America. The Omicron wave led to social distancing restrictions in some key markets, particularly Germany, UK and Canada which impacted GDV in the key trading month of December. Incentives programs continued growth, up 4% vs PCP. • Digital Payments [DP) $24.4bn 431% Digital Payments now incoporates our VANs vertical together with Sentenial from 1 October. Sentenial Direct Debit and Open Banking volumes contributed $19.5bn ($19.12bn from the direct debit business and $0.33bn from Open Banking) of the $19.8bn uplift seen over PCP. $3.6m $4.2m $6.6m $10.2m $12.1m H1 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 Total (excluding Sentenial) Sentenial CAGR EML generates revenues from processing payment volumes on our processing platforms. The gross value of these transactions are defined as Gross Debit Volumes ('GDV') and are a key indicator of current & future revenues. Malls $0.6bn Incentives $0.3bn EML $4.9bn Sentenial $19.5bn 26

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