Sezzle Results Presentation Deck

INITIATIVES 2 & UNDERWRITING DRIVE PROFITABILITY 4Q21 TO 4Q22 BRIDGE TO PROFITABILITY ($US IN MILLIONS) ($25.9) 4Q21 NET LOSS ● Provision Improvement Revenue Initiatives Provision Improvement Composed 40% of total impact from initiatives. Provision for uncollectible accounts reduced from 3.5% in 4Q21 to 1.2% in 4Q22. Revenue Initiatives Composed 48% of total impact from initiatives. Driven by previously-mentioned revenue initiatives. Cost Initiatives 3 Other 4 Other 4 $0.6 4Q22 NET INCOME Cost Initiatives Composed 9% of total impact from initiatives. Driven by previously-mentioned cost initiatives. Composed 3% of total impact from initiatives. SEZZLE INC 4Q22 Presentation | 8

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