Investor Presentaiton

EML Payments H1 FY2022 Financial Results We are making great progress on Accelerator, our 3 year strategy EMI.. Digital Product Strategy Nuapay open banking integration team mobilised and scoping is on track Launched Seamless - our latest fully white label portal solution New universal 3DS product set to go live across all regions in March Global Technology Infrastructure TRACE - proprietary modern cloud based processor Completed first round of migrations - - Originated one of our largest programs to date - 1.4m cards in under 4 weeks A single source of data, globally Global 'follow the sun' tech support pilot underway between Europe & Australia EMI.. FIN LAB Investing in strategic partnerships that help EML to expand our product and distribution Interchecks - 4× return on investment (based on current valuation); following recent Series B US$16m equity raise Purpose Driven Alignment Our people are our most valuable asset when it comes to delivering on this strategy so a focus on communication and new operating rhythms have been critical to the success 18

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