Pathward Financial Results Presentation Deck

Diversified Noninterest Income Streams HIGHLIGHTS Noninterest income represents 44% of fiscal year 2023 total revenue. Majority of noninterest income fees are generated by the Company's BaaS business line. Other major items include leasing rental income and other loan & lease fees. Pathward's large fee income base provides stability through interest rate and credit cycles, while propelling continued revenue growth. In the first quarter of Fiscal Year 2023, the Company recognized $10 million of fee income associated with the sale of the Meta trademarks. The majority of Pathward's tax season revenue comes during the second quarter of each fiscal year. 20 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation FY 2023 Revenue Breakdown¹ Noninterest income 44% Card and Deposit Fees 49% FY 2023 Noninterest Income Breakdown¹ Rental Income 18% Net interest income 56% 1 Excludes gain on sale of trademarks. Other Income 8% Refund Transfer Product Fees 13% Refund Advance Product Fees 12% pathward

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