Slide 1: Investor Presentation May 2022
© USsIO’ Investor May 2022 usio.com USIO Nasdaq Listed
Slide 2: Forward Looking
FORWARD LOOKING
Slide 3: Company Overview
Company Overview USIO (NASDAQ: USIO) is an ‘emerging leacerin the FinTech landscape, with solutions in Card Processing, Payment Facilitation, ‘ACH, Prepaid Card Issuing, Print 8 Mail and Electronic Bill Presentment ‘and Payment (EBPP) USIO' innovative and proprietany ‘payment enablement technology s
Slide 4: Transactions & Dollars Processed Per Year
TRANSACTIONS & DOLLARS PROCESSED PER YEAR ‘Annual Transactions @ : 8192020201 2070) In milions ®usio’ Dollars Processed Annually @
Slide 5: Recent Highlights
®usio’ RECENT HIGHLIGHTS Q1’2022 - ANOTHER RECORD QUARTER + Revenues were $18,1mm, up 35% compared to $13.4 million in Q1'21 * — $2.2 Billion Dollars Processed, up 18% over Q1'21 + 10.5mm transactions processed ‘Card Processing, Incling PayFac Prepaid vs. U2 vs. QU21 card Dollars Processed 421% Prep
Slide 6: Dollars Processed Per Quarter
®usio’ DOLLARS PROCESSED PER QUARTER Dollars Processed per Quarter ssom.0 750) sms $2,100 = sone ag sae sme soot smo § ZL OL 2 inate A
Slide 7: Our ACH Model
®usio’ 2021 OUR ACH ACH Revenue % MODEL ‘TARGET CUSTOMER PROFILE om . TARGET VERTICALS & CHARACTERISTICS HOW WE MAKE MONEY apr oO = 8B ree S41 | 70%+ : Nacha (ON A RETURN OR ORIGINATION
Slide 8: Our Prepaid Model
®usio’ 2021 Prepaid Revenue % » we OUR PREPAID MODEL Usio operates as both the program manager and issuer processor, providing web and mobile apps, transaction racessing, customer service and compliance. TARGET CUSTOMER PROFILE Sere er re = nee ‘management, general disbursement, incentives, per diem
Slide 9: Prepaid Highlights
®usio’ PREPAID HIGHLIGHTS 107% Increase in Revenue 2021 vs. 2020 $184MM Loaded on Cards in 2021 ‘Over 200 Non-profits, Municipal agreements in the last 24 months ies and Counties signed ‘Strong partnership with Mastercard® and active participant in Mastercard's Citypossible® program Industry leading
Slide 10: Merchant Acquiring: Payment Facilitation
®usio’ MERCHANT ACQUIRING PAYMENT FACILITATION 2021 Payment Facilitation (PayFac) is simply the latest innovation in _ Acquiring Revenue % merchant acquiring, providing: + Frictionless merchant onboarding, enrollment and automated risk/underwriting procedures - which have traditionally been very man
Slide 11: Our PayFac Model
®usio’ OUR PAYFAC MODEL TARGET CUSTOMER PROFILE TARGET VERTICALS & CHARACTERISTICS is ecndear wiaiehacconae. a? wf a HIGHLIGHTS a
Slide 12: Payment Facilitation Revenue Illustration
®usio’ PAYMENT FACILITATION REVENUE ILLUSTRATION Cost OneT 100,000 500,000 T $100 {$10,000,000 $50,000,000 cogs Issuing Bank 1.90% $1.90 $190,000 $950,000 Card Brands 0.15% $0.15 $15,000 $75,000 Processing Expense $0.05 $0.05 $5,000 $25,000 ISV Rev Share (50%) $0.450 $45,000 $225,000 Totalcocs 250K
Slide 13: Output Solutions
®usio’ OUTPUT SOLUTIONS set Output Solutions TARGET CUSTOMER PROFILE Revenue % TARGET VERTICALS & CHARACTERISTICS Lo all wm PROFIT MARGIN BREAKDOWN
Slide 14: Financials
© usIO’ Financials
Slide 15: Revenues by Category
REVENUES BY CATEGORY 2022 2021, $Change _% Change ‘ACH and Complementary Service Revenue $ 3,843,316 $ 3,078,456 $ 764,860 25% Credit Card Revenue $ 6,768,222 $ 5,723,709 $ 1,044,513. 18% Prepaid Card Services Revenue $2,768,407 $ 886576 $ 1,881,871 212% $ $ $ $ $ $ ‘Output Solutions Revenue 4,731,3
Slide 16: Non-GAAP Reconciliation
®usio NON-GAAP RECONCILIATION Non-GAAP Reconciliation Twelve Months Ended Three Months Ended B1-Dec-21 © 31-Dec-20 31-Mar-22 31-Mar-21 (Values in Millions) Revenues $ 619 $ 323 $ 18.1 $ Reconciliation from Operating Income (Loss) to Adjusted EBITDA: Operating Income (Loss) $ (0.2) $ (3.8) (1.6) $ n
Slide 17: Balance Sheet Highlights
®usio’ BALANCE SHEET HIGHLIGHTS Account 3/31/22___12/31/21 Cash $ 76 $ 73 Restricted Cash & Settlement Funds $ 85.8 $ 106.8 Total Assets $ 1118 $ 1337 In Millions Total Liabilities $ 942 $ 115.0 Total Equity $ 175 $ 187 Total Liability & Stockholder Equity $ 1118 $ 133.7
Slide 18: Investment Summary
NASDAQ: USIO PPrageneth ®usio’ INVESTMENT SUMMARY * Innovative Leader in the Fast-Growing FinTech space * Synergistic Multi-Channel Product Portfolio * ACH * Prepaid Card Issuing * Merchant Processing * Electronic Bill Presentment & Payment * Print and Mail * Record Revenues, Volume and Transactions
Slide 19: Investor May 2022
© USsIO’ Investor May 2022 usio.com USIO Nasdaq Listed