Earnings Presentation Q1 2020

Significant FI MAU increase precedes expected Billings growth and future ARPU expansion (FI MAUS in millions) $0.55 © 2020 Cardlytics 58.7 Q1 18 (1) Please see appendix for definitions. $0.60 58.8 Q2 18 $0.58 59.3 Q3 18 $0.57 83.2 Q4 18 108.5 $0.33 Q1 19 120.1 $0.40 Q2 19 128.3 $0.44 Q3 19 133.4 $0.52 Q4 19 FI MAUS (¹1) 140.8 $0.32 Q1 20 ARPU (¹) 11

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