Earnings Presentation Q1 2020

Billings and Adjusted Contribution best reflect performance © 2020 Cardlytics Billings Total in aggregate paid by marketers Consumer Incentive Set by CDLX to achieve marketing objectives; can fluctuate based on desired outcome Enhanced Consumer Incentive Additional Consumer Incentives funded by Fl partners GAAP Revenue Recognized as Revenue; to be split between CDLX & our Fl partners FI Share Portion of Revenue shared with Fl partners Adjusted Contribution Amount retained by CDLX; net of FI Share 9

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