Sezzle Results Presentation Deck

TRANSACTION EXPENSE $13.9 2.5% 4Q21 TRANSACTION EXPENSE $11.8 2.6% 1Q22 $10.1 2.4% $9.3 2.2% 2Q22 Transaction Expense ($US in millions) Transaction Expense-to-UMS 3Q22 $9.5 2.1% 4Q22 COMMENTARY Transaction Expense decreased to a record low 2.1% of UMS, representing a 37bps decrease YoY. • The drop in Transaction Expense is driven by several Company initiatives including, but not limited to: ■ ■ ■ Payment strategies incentivizing consumers to choose ACH as their primary payment option, Favorable re-negotiated terms with network partners, and The launch of Pay in Full for consumers to pay full ticket price at the point of sale. SEZZLE INC 4Q22 Presentation | 13

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