Pathward Financial Investor Presentation Deck

Resilient Commercial Loan Portfolio... ● 4 WORKING CAPITAL FINANCE Provides working capital for new or growing companies to meet short-term operational requirements Primarily variable rate loans with majority of floors at or above 6% Bank typically has dominion of funds Heavily collateral-managed Historically excels during economic downturns & EQUIPMENT FINANCE Loan and lease financing to provide access to needed equipment Typically secured with mission- critical equipment Borrowers range from start-up companies to investment grade companies Primarily fixed rate loans and leases Flexibility to sell direct originations to secondary market 15 Pathward Financial, Inc. (Nasdaq: CASH) | 2023 Investor Presentation Gola STRUCTURED FINANCE Funding to small and midsized businesses and rural borrowers to fund growth, expansion, and restructuring SBA, USDA, and conventional loans with fixed or variable interest rates Debt refinance, leveraged acquisitions, and alternative energy project finance SBA and USDA guarantees can be sold on the secondary market ● ● $ INSURANCE PREMIUM FINANCE Short-term financing to facilitate the purchase of property, casualty, and liability insurance premiums Average term of 10 months Fixed rate loans Collateralized by insurance premiums Very low historical loss rate pathward

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