Investor Presentaiton

EML Payments H1 FY2022 Financial Results FY2022 - Financial Guidance - No change to Full Year Gross Debit Volume $81bn - $88bn (No Change) (FY21: $19.7b) Overheads $103m - $112m (No Change) (FY21: $76.8m) $60k ~$27m $50k Prepaid $22bn - $24bn Sentenial $59bn - $64bn Prepaid $91m - $98m Sentenial $40k $10m - $14m $30k Underlying EBITDA $20k $26.9m Revenue $230m-$250m (No Change) (FY21: $194.2m) Sentenial Prepaid $220m - $240m $8m - $12m Gross Profit Margin -69% [No Change] (FY21: 67%) Underlying EBITDA1,2 $58m - $65m (No Change) (FY21: $53.5m) Prepaid $58m - $65m Underlying NPATA² $27m - $34m (FY21: $32.4m) Sentenial $0m - ($3m) [No Change] $10k S 1 Underlying EBITDA is equivalent to the net profit/(loss) for the period including R&D tax offset and excluding share based payments, depreciation and amortisation expense, acquisition expenses, non-cash unrealised foreign exchange and any costs related to the CBI matter which are included within the Statement of Profit or Loss and Other Comprehensive Income. 2 Underlying NPATA represents the profit generated by the business excluding all acquisition related costs including; amortisation, contingent considerations, share based payments, cash expenses that relate to acquisitions and any costs related to the CBI matter. H1 FY22 Underlying EBITDA Guidance Range $58m-$65m H2 Run Rate Revenue Initiatives H2 Overheads FY22 Underlying EBITDA Operating Cashflow 80% - 90% (No Change) (FY21: 87%) 34

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