Investor Presentaiton

... And resulting in strong volume cohort performance and highly attractive unit economics 2021 volume (1) ~540x Volume (1) Growth from 2009-2021 2021 Cohort 2020 Cohort 2019 Cohort 2018 Cohort >100% Net volume retention (2) <12 months Payback period (3) 2017 Cohort 2016 Cohort 2015 Cohort 2014 Cohort Pre 2014 Cohort 1. SMB cohort Volume. 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Payoneer 2. As of 2021 - Net Retention = Current period Volume from existing customers/ prior period Volume from existing customers. 3. For 2020 cohort. 15

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