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Pathward Financial Investor Presentation Deck

REALIZING OPERATING EFFICIENCIES FROM DISCIPLINED EXPENSE MANAGEMENT ● 3 4 5 Continued Focus on Improving Efficiency Ratio ● 7 8 ● Achieve 2x operating leverage in each business line Eliminate redundant processes and improve collaboration across teams Automate to enhance productivity Meta Financial Group, Inc. (NASDAQ: CASH) | Investor Presentation Efficiency Ratio 80.00% 75.00% 70.00% 65.00% 60.00% 55.00% 75.61% FY 2016 75.23% FY 2017 72.44% FY 2018 68.45% FY 2019 63.96% FY 2020 62.50% FY 2021 16

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