Pathward Financial Investor Presentation — July 2024

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THIRD QUARTER FISCAL YEAR 2024FORWARD LOOKING STATEMENTS

This investor update and our comments during the investor conference call contain “forward -looking statements” which are made in good faith by Pathward Financial, Inc.TM (the “Company”) pursuant to the

“safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. You can identify forward- looking statements by words such as “may,” “hope,” “will,” “should,” “expect,” “plan,” “anticipate,”

“intend,” “believe,” “estimate,” “predict,” “potential,” “continue,” “could,” “future,” “target,” or the negative of those terms , or other words of similar meaning or similar expressions. You should carefully read

statements that contain these words because they discuss our future expectations or state other “forward- looking” information.

These forward -looking statements are based on information currently available to us and assumptions about future events, and inc lude statements with respect to the Company’s beliefs, expectations,

estimates, and intentions, which are subject to significant risks and uncertainties, and are subject to change based on vario us factors, some of which are beyond the Company’s control. Such risks,

uncertainties and other factors may cause our actual growth, results of operations, financial condition, cash flows, performance and business prospects and opportunities to differ materially from those

expressed in, or implied by, these forward- looking statements. Such statements include, without limitation, the statements on th e slide entitled “Strong Results in Asset Optimization,” “Trusted Platform That

Enables Our Partners to Thrive” and “Guidance,” and address, among others, the following subjects: future operating results incl uding our earnings per diluted share guidance, annual effective tax rate, and

related performance expectations; progress on key strategic initiatives; expected results of our partnerships; impacts of our improved data analytics, underwriting and monitoring processes; impacts of our

implementation of a new technology system; our goals and possible future actions with respect to optimizing the balance sheet and growing earnings; expected nonperforming loan resolutions and net charge

off rates; the performance of our securities portfolio; the impact of card balances related to government stimulus programs; cus tomer retention; loan and other product demand; new products and services;

credit quality; the level of net charge- offs and the adequacy of the allowance for credit losses; and technology. The following factors, among others, could cause the Company's financial performance and

results of operations to differ materially from the expectations, estimates, and intentions expressed in such forward- looking st atements: maintaining our executive management team; expected growth