Pathward Financial Results Presentation Deck

LEGACY COMMUNITY BANK PORTFOLIO BREAKDOWN AS OF MARCH 31, 2021 | SERVICED BY CENTRAL BANK ($ in millions) Commercial Real Estate Commercial Operating Agricultural 1-4 Family Real Estate Consumer Total ● ● ● ● Outstanding Balance $324.3 11.3 7.9 3.9 0.7 $348.1 % of Total¹ 8.4% 0.3% 0.2% 0.1% 0.0% 9.0% During the quarter sold $103 million of community bank loans that were classified as held for sale during the prior quarter. Sale did not result in any material gain. COMMERCIAL REAL ESTATE 68% commercial mortgage, 32% commercial construction Allowance for credit losses coverage of 4.16% of total commercial real estate loans, primarily related to the hospitality and theater commercial real estate loans Negligible past due commercial real estate balances as of March 31, 2021 $17.2 million in nonperforming commercial real estate loans as of March 31, 2021 1 Total includes total gross loans & leases of $3.65 billion and rental equipment, net of $211.4 million, as of March 31, 2021, exposures are based on current outstanding balances as of March 31, 2021 ² Other includes subsectors comprised of less than 1% of total commercial real estate as of March 31, 2021 ($324.3 million) 21 COMMERCIAL REAL ESTATE INDUSTRY COMPOSITION Retail 13% Multifamily 19% Office Other² Building 1% Theater 5% 5% QUARTERLY INVESTOR UPDATE | SECOND QUARTER FISCAL YEAR 2021 | NASDAQ: CASH Hotel/Motel 57%

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