Investor Presentaiton

EML Payments H1 FY2022 Financial Results Analyst Briefing Data - Guidance FY2022 Key Financials ($'000s) FY 2021 EML GROUP GUIDANCE RANGE FY2022 General Purpose Reloadable Gift & Incentive Virtual Account Numbers GDV Revenue General Purpose Reloadable Gift & Incentive Virtual Account Numbers Revenue Yield Gross profit Overheads Provision for CBI costs EBITDA $9,742,596 $1,106,303 $8,829,487 $19,678,386 $194,176 $81bn - $88bn $230m - $250m 117 bps 635 bps 12 bps 99 bps $ 130,376 -69% ($76,850) ($11,352) ($103m - $112m) $ 42,175 UNDERLYING EBITDA $53,526 $58m - $65m Depreciation and amortisation ($29,836) Approx. ($30m) Share-based payments ($4,967) Approx. ($10m) Fair value adjustment (AASB3, contingent consideration and financial assets) Other ($18,449) Approx. [$2m) ($17,618) Approx. ($11m) Underlying Net profit/(loss) after tax ($17,344) $5m - $12m Add back: Acquisition related adjustments $27,846 Approx. $20m Add back: Tax expense effect on PFS hedge $3,714 Add back: Fair value adjustments (AASB3 and contingent consideration) $18,169 Approx. $2m UNDERLYING NPATA $32,385 $27m - $34m 42

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