Investor Presentaiton

Account Performance Metrics LO Revenue Revenue per 90-day active account was $185 in 2022 Deposits Average deposit balance per 90-day active account was $4,322 in 2022 Spend Average spend per 90-day active account was $6,975 in 2022 Highly Active BaaS Users1 Average debit card spend for highly active users was $17,700 annualized in 4Q 2022 Average deposit balance of highly active users was $3,200 in 4Q 2022 Highly active users make up approximately 20% of active users 1) Highly active users have both direct deposit and a minimum of 5 transactions per month Bmt**

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