Investor Presentaiton

1 EML Payments H1 FY2022 Financial Results Gross Profit Gross Profit $75.4m Gross Profit Margin by Segment 5 Year CAGR 29% $24.4m $34.4m $44.8m ▲ 12% $75.4m $67.3m • · General Purpose Reloadable (GPR) $39.1m 15% Gross Profit margins for the GPR segment were lower at 56%. During the period the Group launched new programs on the TRACE processor. In H2 FY2022 we will commence moving some of the larger existing programs which should provide benefits from lower processing costs. EML has put in place initiatives to increase our investment in bonds to offset negative interest charged on stored value float balances which has impacted GP margins materially this half. Gift & Incentive [G&I) $30.0m 4% Gross Profit margins for the G&I segment were down 1% to 81%. Improving Central bank interest rates will drive higher interest income in H2 and future periods. Digital Payments (DP) $6.3m 48% Addition of high Gross Profit Margin Sentenial business improved Gross margins in the Digital Payments segment. Excluding Sentenial Gross Profit for the Digital Payments was down 8% from a change in customer mix. H1 FY18 H1 FY19 H1 FY20 G&I GPR DP H1 FY21 H1 FY22 DP Sentenial Gross Profit is stated excluding the impacts of the non-cash amortisation of the AASB3 fair value uplift to bond investments. EML $3.9m Sentenial $2.4m 28

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