Investor Presentaiton

Advancing PayPal branded checkout Refining branded checkout experience to drive engagement and share of checkout • B Enhancing the merchant and consumer experience Focused on moving merchants to newer integrations to deliver our best consumer experience, helping improve conversion for merchants Improving mobile checkout by launching a new software developer kit (SDK) for merchants in North America and Europe, enabling an in-context, 2-click experience P Delivering simplified integration solutions Strengthened suite of unbranded services with PayPal Complete Payments (PPCP), enabling merchants to seamlessly integrate PayPal's latest branded checkout experiences and value-added services Unlocking the value of PayPal, Venmo and Pay Later checkout using PayFast easy integrations for new verticals including restaurants, healthcare and government • Reducing friction and latency Improved customer-perceived latency by ~40% in the last 12 months" Refined PayPal vaulting set-up experience to make subsequent transactions easier; consumers using PayPal for recurring transactions have nearly 90% more (2) transactions per active on average and exhibit very low churn Expanding passwordless authentication Increasing penetration of easier and more secure login experiences utilizing biometrics, SMS authentication and long-lived sessions Enabling Passkeys with iOS and Android devices, which replace passwords and allow for seamless login P Investing in engaging consumer services Launched package tracking directly in the PayPal app, ramped to 100% on iOS and launching soon on Android Improved Rewards offering by allowing users to combine PayPal Rewards with their linked bank account, PayPal balance and credit or debit cards (1) Last 12 months April 2022-March 2023. (2) Global active accounts with a monthly subscription vs. without a monthly subscription over the last six months (October 2022-March 2023). PayPal ©2023 PayPal Holdings, Inc. • Building for the future of checkout Testing next-generation checkout solutions that utilize vaulted credentials to offer merchants one-click checkout capability on both branded and unbranded transactions Q1-23 Investor Update ⚫7

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