Evertec Investor Presentation — November 2022

Document content

Earnings Conference Call

November 2, 2022Forward-looking Statements

Certain statements in this presentation constitute “forward-looking statements” within the meaning of, and subject to the protection of, the Private Securities

Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties, and other factors that may cause the actual

results, performance or achievements of EVERTEC to be materially different from any future results, performance or achievements expressed or implied by

such forward-looking statements. Statements preceded by, followed by, or that otherwise include the words “believes,” “expects,” “anticipates,” “intends,”

“projects,” “estimates,” and “plans” and similar expressions of future or conditional verbs such as “will,” “should,” “would,” “may,” and “could” are generally

forward-looking in nature and not historical facts. Any statements that refer to expectations or other characterizations of future events, circumstances or

results are forward-looking statements. Various factors that could cause actual future results and other future events to differ materially from those estimated

by management include, but are not limited to: the Company’s reliance on its relationship with Popular, Inc. (“Popular”) for a significant portion of its revenues

pursuant to the Company’s Master Services Agreement ("MSA") with them, and to grow the Company’s merchant acquiring business; as a regulated

institution, the likelihood that the Company will be required to obtain regulatory approval before engaging in certain new activities or businesses, whether

organically or by acquisition, and its potential inability to obtain such approval on a timely basis or at all, which may make transactions more expensive or

impossible to complete, or make us less attractive to potential sellers; the Company’s ability to renew its client contracts on terms favorable to the Company,