Pathward Financial Investor Presentation — October 2022

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THIRD QUARTER FISCAL YEAR 2022

Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 1

FORWARD LOOKING STATEMENTS

2This investor update contains “forward -looking statements” which aremade ingood faith bytheCompany pursuant tothe“safe harbor” provisions ofthePrivate Securities

Litigation Reform Actof1995 .You canidentify forward -looking statements bywords such as“may,” “hope,” “will,” “should,” “expect,” “plan,” “anticipate,” “intend,” “believe,”

“estimate,” “predict,” “potential,” “continue,” “could,” “future,” orthenegative ofthose terms, orother words ofsimilar meaning orsimilar expressions .

These forward -looking statements arebased oninformation currently available tousand assumptions about future events, and include statements with respect tothe

Company’s beliefs, expectations, estimates, andintentions, which aresubject tosignificant risks anduncertainties, andaresubject tochange based onvarious factors, some

ofwhich arebeyond theCompany’s control .Such risks, uncertainties and other factors may cause ouractual growth, results ofoperations, financial condition, cash flows,

performance andbusiness prospects andopportunities todiffer materially from those expressed in,orimplied by,these forward -looking statements .Such statements address,

among others, thefollowing subjects :future operating results ;theimpact ofmeasures expected toincrease efficiencies orreduce expenses ;customer retention ;loan and

other product demand ;expectations concerning acquisitions anddivestitures ;new products andservices ;credit quality ;thelevel ofnetcharge -offsandtheadequacy ofthe

allowance forloan andlease losses ;technology ;andtheCompany's employees .Thefollowing factors, among others, could cause theCompany's financial performance and

results ofoperations todiffer materially from theexpectations, estimates, andintentions expressed insuch forward -looking statements :maintaining ourexecutive management

team ;expected growth opportunities may notberealized ormay take longer torealize than expected ;thepotential adverse effects oftheongoing COVID -19pandemic and

anygovernmental orsocietal responses thereto, orother unusual andinfrequently occurring events, including theimpact onfinancial markets from geopolitical conflicts such

asthemilitary conflict between Russia andUkraine ;successfully completing ourannounced rebranding andourability toachieve brand recognition forPathward equal toor

greater than currently enjoyed forMetaBank ;ourability tosuccessfully implement measures designed toreduce expenses and increase efficiencies ;changes intrade,

monetary, andfiscal policies andlaws, including actual changes ininterest rates andtheFedFunds rate;changes intaxlaws;thestrength oftheUnited States' economy, and