Investor Presentaiton

11 B2B2C Approach - Low Customer Acquisition Cost Consumers Students Clients and Bmt** Partners Customers Employees Natural Checkout Moments 唱 Higher-Ed Banking 9:41 AM 100% Account Summary Checking Savings Available Balance $1,215.27 Available Balance Distribute financial aid refunds and other disbursements Eliminate administrative burden and complexity Offer students access to banking services Reduce processing costs by ~$125k/year / client Banking-as-a-Service ("BaaS") Niche D2C Offer financial services through BaaS partnerships Attract customers by improving banking experience in historically-underserved segments Deliver customizable, partner branded rewards and special offers to further drive loyalty Create net-new, passive revenue streams for partners with lower customer attrition Helix by Q2, Inc. partnership will provide additional BaaS customer leads Deploy differentiated financial products targeted to underserved affinity groups Modern digital banking experience via interest-bearing accounts, no fees and unique value propositions for segments BankMobile VIBE $3,018.50 debit G 5111 7412 3456 7833 12/28 STEPHANIE A JONES TH mastercard 9:41 AM T-Mobile MONEY Start your path to T-Mobile MONEY Are you a T-Mobile wireless customer? Qualifying T-Mobile wireless customers get access to perks. like more interest and Got Your Back overdraft protection. Not a T-Mobile wireless customer? T-Mobile can still take le MONEY and access to MONEY Allpoint ATMs debit mastercard. Back :41AM Home Good afternoon, Jane! Looks like you have not set up your direct deposit. Lets get you started! → My Checking - #1234 $825.00 My Savings-#0123 CTTP .00 IVORY BANK 1224 5678 9101 8598 Savings account 100% T 罾 Bank Partners 12/18 SAMANTHA KEYS mastercard MOVE MONEY MORE

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