Earnings Presentation Q3 2019

Billings and Adjusted Contribution best reflect performance Billings Total in aggregate paid by marketers © 2019 Cardlytics - Proprietary and Confidential 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 8

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