Investor Presentaiton

1 EML Payments H1 FY2022 Financial Results Revenue Revenue¹ $114.4m Revenue by Segment (A$m) 5 Year CAGR 33% $33.9m $47.2m $59.2m $95.3m 20% $114.4m General Purpose Reloadable (GPR) $69.6m 28% High levels of demand for our products continued to drive strong growth in Europe and Australia. • The CBI regulatory matter impacted the ability to launch new programs in the period, reducing establishment income. The restrictions were eased in late November and we expect improved levels of establishment income in H2 FY2022. Gift & Incentive [G&I) $37.1m 6% up G&I segment performed well to November, when the impacts of the Omicron variant of COVID-19 resulted in social distancing restrictions being re-introduced into certain key markets. Segment revenue increased $2.1m, or 6%, on PCP. This offset $5m of one off elevated breakage rates in the PCP driven by COVID-19. • We will recognise $4.2m of breakage income in H2 FY2022 on first half GDV under AASB15. (H1 FY2021 $3.8m). Digital Payments (DP) $7.7m 33% Sentenial contributed $2.7m of revenue in the 3 months from acquisition date [30 September 2021). H1 FY18 H1 FY19 H1 FY20 H1 FY21 H1 FY22 G&I GPR DP DP Sentenial Other Revenue is stated excluding the impacts of the non-cash amortisation of the AASB3 fair value uplift to bond investments. EML $5.0m Sentenial $2.7m 27

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