Pathward Financial Investor Presentation Deck

4 ...Produces Stable Annual Net Charge-Off Rates 1 2 Annual Net Charge-Off % 3 $117 $115 $121 $149 $157 2005 2006 2007 December 31st Commercial Finance Loan Balances ($ in millions) 2008 2009 1.67% 1.72% 1.10% 1.17% 1.61% CRESTMARK $224 2010 0.68% 16 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation $326 2011 $350 2012 $428 2013 $521 2014 0.04% 0.69% 0.67% 0.36% $582 $702 -0.01% Pathward Acquires Crestmark $934 2015 2016 2017 0.33% 0.67% $1,618 2018 0.78% $1,995 2019 $2,423 2020 $2,798 2021 $3,007 2022 0.50% 0.67% 0.56% 0.66% pathward

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