Investor Presentaiton

9 Summary Investment Highlights Attractive Valuation1 Market capitalization is <3.0x 2022 Core EBITDA2 Market capitalization is <0.6x 2022 Revenues Market Leader in Higher Education Dominant FinTech in BaaS Market . Dominant higher education market share ~ 750 college and university campus partners provide access to 5M college students Replenishing TAM w/ new incoming students each year Significant barriers to entry in highly regulated space >$500M average balance of nearly noninterest-bearing deposits >$12B of refunds disbursed annually 99% retention of school partners. Among the largest and most established FinTech companies in terms of scale, customers, and deposits Strong and positive brand recognition across millions of current and former customers/account holders Renewed BaaS partnership with leading mobile carrier providing access to tens of millions of customers Partnership with Helix by Q2, Inc. Strong in-house compliance, BSA/AML, fraud prevention, and customer service Financial Strength Financially strong, debt free, with operating free cash flow Low Customer Acquisition Cost Strong margins on incremental revenues New partner bank agreements offer better economics with variable rate pricing structure 1) Based on closing share price and outstanding shares on 3/24/2023 2) Note: Core EBITDA is a non-GAAP measure, see slide 13 for further detail. Bmtx

View entire presentation