Investor Presentaiton

EML Payments H1 FY2022 Financial Results AptPay-partnering with NRT Technlogy EML's first GPR program in Canada. Disbursement program catering to needs of the unbanked, challengers, nontraditional banking market, gig economy and gaming industries. AptPay enables the instant disbursement of funds through its prepaid physical, virtual or digital cards products. AptPay has partnered with NRT Technology to enable casinos and online gaming sites to instantly disburse winnings onto a prepaid card or mobile wallet for guests and players. The service called smartSEND, will be available to all land based and online casinos in North America. a NRT TECHNOLOGY ap AptPay simple.safe.securel EMI.. 15

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