Investor Presentation

Puerto Rico Costa Rica Peru Chile Colombia Argentina Mexico 2.5 2.0 1.5 1.0 Underpenetrated markets dominated by cash 0.5 0.0 $0 2.260328609 USA Mature $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 Card Penetration 1.338185205 1.321523561 Argentina Puerto Rico GDP Source: Internally commissioned studies by external third parties 1.262781443 Chile 0.9086985 Mexico Core Markets 0.800971812 Peru 0 0.692074243 Colombia Macro trends and drivers: Size of most economies in LatAm are at least 2x as large as the Puerto Rico economy Card penetration in the region is significantly lower than mature markets Consumer spend on cards is still lagging significantly against more mature economies H I ■ 70% 60% 50% 40% 30% 20% 10% 0% 64% USA Mature I I % of Consumer Spend on Cards 43% Chile 25% Mexico 21% Colombia Core Markets 17% Peru 17% Argentina evertec

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