Pathward Financial Results Presentation Deck

■ ■ Total Loans and Leases Increased from Q4 2022 Growth primarily driven by Insurance Premium Finance, Term Lending and SBA/USDA Credit quality remains strong Nonperforming loans and leases of 1.26% compared to 0.93% Q3 2023 Annualized adjusted net charge- off rate of 0.49% for 4Q23¹ 8 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Total Loans and Leases Period ending ($ in millions) $3,529.3 Q4 2022 +24% 1 See slide 29 (Non-GAAP reconciliation) for additional detail. $4,359.7 Q4 2023 pathward

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