Investor Presentaiton

7 Execution Plan Growth Strategy Cost Reductions 2023 Financial Outlook Continue to execute and enhance our “Customer for Life" strategy Build pipeline of new opportunities with mid to large size customers Technology enhancements to improve user experience, adoption, and retention Develop strategic partnerships that add value to existing customers and create access to new customers PEP is expected to deliver approximately $15M in 2023 cost reductions, improve margins, and operating cash flow Currently on target with approximately $7M of annualized savings realized during Q1 2023, primarily related to headcount Concurrently implementing multiple operational efficiency improvements throughout business operations to yield additional expected savings over remainder of 2023 Core EBITDA¹ results for 1H 2023 are expected to be in-line with 2H 2022 Significant improvement is expected in 2H 2023 when new variable rate servicing fees, Durbin-exempt interchange fees, and PEP savings begin to be fully realized Core EBITDA¹ estimated at approximately $14M for full year 2023 Generate positive free cash flow in 2H 2023 Continue to evaluate strategic opportunities to increase shareholder value 1) Note: Core EBITDA is a non-GAAP measure, see slide 13 for further detail. Bmtx

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