Financial Overview

2023 Expectations Q4 Net Sales and Adjusted EBITDA expected to be similar to Q3 levels Full-year outlook 2023 ☐ ☐ ☐ Mid-single digit Net Sales decline (previously flat to low single-digit growth) Mid-single digit Adjusted EBITDA¹ decline (previously mid-to-high single-digit growth) Free Cash Flow approximately double the 2022 level (previously more than double) Net Leverage Ratio at year-end of approximately 3x (previously between 2.5x and 3.0x) Long-term growth trends remain intact ◉ Growth in card issuance Recurring nature of business Trends toward adoption of higher-priced contactless and eco-focused cards cpi 1) We have provided Adjusted EBITDA expectations for 2023 on a non-GAAP basis because certain reconciling items are dependent on future events that either cannot be controlled or cannot be reliably predicted because they are not part of the Company's routine activities, any of which could be significant.

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