Pathward Financial Results Presentation Deck

NON-GAAP RECONCILIATIONS EIP-RELATED ADJUSTMENTS 29 ($ in millions) NET INTEREST MARGIN Average interest-earning assets Net interest income Net interest margin LESS: Estimated cash interest adjustment EIP-ADJUSTED NET INTEREST INCOME EIP-ADJUSTED NET INTEREST MARGIN Interest-earning assets LESS: Estimated cash adjustment EIP-ADJUSTED AVERAGE INTEREST-EARNING ASSETS Net interest income LESS: Estimated cash interest adjustment ADJUSTED NET INTEREST INCOME ADJUSTED NET INTEREST MARGIN Interest-earning assets LESS: Estimated cash adjustment ADJUSTED AVERAGE INTEREST-EARNING ASSETS Net interest income RETURN ON AVERAGE ASSETS ("ROAA") Net income Average assets ROAA LESS: Estimated cash adjustment LESS: Estimated cash interest adjustment EIP-ADJUSTED AVERAGE ASSETS EIP-ADJUSTED NET INCOME EIP-ADJUSTED ROAA MARCH 31, 2021 9,768,242 73,850 3.07% ADJUSTMENT FOR EIP-RELATED ASSETS 9,768,242 2,679,372 7,088,870 73,850 661 73,189 4.19% ADJUSTMENT FOR INFLATED CASH BALANCES 9,768,242 4,187,558 5,580,684 73,850 1,090 72,760 5.29% MARCH 31, 2021 59,066 10,655,852 2.22% THREE MONTHS ENDED DECEMBER 31, 2020 SEPTEMBER 30, 2020 5,636,445 6,806,366 65,999 64,513 3.77% 2,679,372 661 7,976,480 4.65% 5,636,445 624,857 5,011,588 65,999 157 65,842 5.21% DECEMBER 31, 2020 28,037 6,481,823 1.73% 624,857 157 5,856,966 27,880 6,806,366 1,573,727 5,232,639 64,513 396 64,177 4.87% 1.90% SEPTEMBER 30, 2020 13,158 7,672,773 0.69% 1,573,727 396 6,099,046 12,762 JUNE 30, 2020 7,608,616 58,405 2.93% QUARTERLY INVESTOR UPDATE | SECOND QUARTER FISCAL YEAR 2021 | NASDAQ: CASH 0.84% 62,137 3.28% 7,608,618 2,323,425 5,285,193 62,137 578 61,559 4.68% JUNE 30, 2020 18,190 8,439,206 0.86% 2,323,425 578 6,115,781 17,612 1.15%

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