Pathward Financial Results Presentation Deck

Investment Highlights 12 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 1 2 3 4 LO 5 Record of strong earnings growth and profitability above banking industry averages Excess capital generating business enables ongoing return of value to shareholders Experienced leader in fast-growing Banking as a Service (BaaS) sector, with diversified portfolio of high-quality financial partners Resilient Commercial Finance loan portfolio produces attractive returns throughout economic cycles Highly advantageous national bank charter, with well-developed risk mitigation and compliance capabilities pathward

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