Pathward Financial Results Presentation Deck

4 Pathward's Unique Business Model Pathward's resilient model secures low-cost funding¹ via BaaS payments relationships, earns an outsized proportion of consistent payment fees, and operates a collateralized lending platform that outperforms in down-cycles pathward ► 1 See slide 13 (Low-cost Deposits) for additional detail on deposit costs. Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Funding BaaS Payments Platform FEE Income BaaS Payments Platform Fees Asset-Backed Lending pathward

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