Investor Presentaiton

EML Payments H1 FY2022 Financial Results Underlying EBITDA Underlying EBITDA $26.9m 4% ON PCP 5 Year Underlying EBITDA CAGR 37% $28.1m $14.2m $12.7m $26.9m Reported EBITDA H1 FY21 Reported EBITDA H1 FY22 CBI Costs and Class Action defence provision Underlying EBITDA H1 FY22 In H1 FY2022 the Group has incurred or provided for $2.2m of costs in relation to professional advisory, remediation and other potential costs associated with resolving the CBI matter. Additionally a further provision of $10.5m has been raised for the likely legal costs involved in defending the action brought by Shine Lawyers. $9.1m $13.7m $19.7m $28.1m $26.9m These costs are considered to be one-off in nature and are added back in arriving at Underlying EBITDA. H1 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 1 Underlying EBITDA excluding the non-cash amortisation of the AASB3 fair value uplift to bond investments, CBI and related costs (including the provision for the Shine Group Proceedings litigation defence). 30

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