Pathward Financial Results Presentation Deck

■ DIVERSIFIED NONINTEREST INCOME STREAMS Noninterest income represents 32% of fiscal year- to-date total revenue. Majority of noninterest income fees are generated by the Company's BaaS business line. Other major items include leasing rental income and other loan & lease fees. Pathward's large fee income base provides stability through interest rate and credit cycles, while propelling continued revenue growth. The majority of Pathward's tax season revenue is recorded as noninterest income during the second quarter of each fiscal year. 21 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation FYTD 2024 REVENUE BREAKDOWN Noninterest income 32% Card and Deposit Fees- 58% Net interest income 68% FYTD 2024 NONINTEREST INCOME BREAKDOWN Rental Income 26% Other Income 15% Refund Transfer Product Fees 1% pathward

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