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Investor Presentaiton

3 BMTX at a Glance BM Technologies' BaaS digital banking platform enables the acquisition of customers at higher volumes and substantially lower expense than traditional banks, while providing significant benefits to its customers and partners Leading digital banking platform and "Banking-as-a-Service" provider Innovative, efficient, risk-oriented Fintech with a Sponsor Bank model Robust in-house risk management, compliance, and program management capabilities Servicing millions of customers and $1B+ in deposits while providing significant benefits to its customers and partners Listed on: NYSE T Mobile + Bmtx Winner Best Fintech Partnership 2021 FinovateAwards Bmt** Winner Most Innovative Bank 4.8 Apple App 2019 Lendit Fintech 1) Note: Core EBITDA is a non-GAAP measure, see slide 13 for further detail. Store Rating 2022 Revenue BM Technologies NYSE American: BMTX $83.6M 2022 Core EBITDA1 $14.5M Bmt:
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