Usio, Inc. · NASDAQ:USIO
Usio — Shareholder Meeting (June 2026)
29 slides from Usio's shareholder meeting presentation, Jun 16, 2026
Slide 1: 2026 Annual Shareholder Meeting
© usIO” 2026 Annual Shareholder Meeting Powering Growth Through Integrated Payments Nasdaq: USIO June 10, 2026 - 10:00 AM CDT June 10,2026 | ©2026 Usio, Inc | OUSig y510 Nasdaq ist., 29
Slide 2: Forward Looking Statements
Forward Looking Statements Except for the historical information contained herein, this release contains forward-looking statements that are made pursuant to the safe harbor provision of the Private Securities Litigation Reform Act of 1995. These forward- looking statements include, but are not limi
Slide 3: Founded in 1998
Founded in 1998. Nacha Certified & HIPPA Compliant Publicly Traded: Nasdaq: USIO Usio isa leading FinTech that operates a full stack of proprietary and integrated, cloud-based electronic payment acceptance and issuance, and embedded financial solutions to awide range of merchants, billers, banks, se
Slide 4: Louis Hoch, Chairman, President & CEO
Louis Hoch Chairman, President & CEO
Slide 5: Full-Service Payments Platform
Full-Service Payments Platform Payment ACH Card Issuing Facilitation ecto payments Physical /vitual payment cards Output Solutions trough he ACH network, foe governments nonprofits, rates Credit and debit card teangtestettets IM ‘copanerte ncctre fa "eset anak processing, primarily ———— ‘Promotions,
Slide 6: Primary Products and End Markets
Primary Products Usio.com | ©2026 Usio, ine enechurch » practicesuite NextChapter LEXICON ® PayFac / ACH Unique and Attractive End Markets Usio’s acquiring segment supports innova payments fo fuel growth, while ot serve FinTechs, governments, non-profit embeddi revere FANCARDS onbe @) ACH | Card Iss
Slide 7: Dollars Processed
® usio Nasdaq: USIO Dollars Processed $9.5 $8.4 $7.2 $7.1 $5.3 $3.3 Dollars Processed
Slide 8: Transactions Processed
S usio Nasdaq: USIO Transactions Processed 61 MILLIONS 2021 2023 2024 2025 m Transactions Processed (in millions) Usio.com | 0, Inc 8
Slide 9: Revenue Grew 7x Since 2016
Revenue Grew 7x Since 2016 $100 3% 19% (1)% $85.4 $20 12% $84.1 $82.9 92% 2 $69 5 $62 2026 s Revenue = 40 sg Guidance of = Fi 13% i 10-12% $32 $20 21% Me $28 $15 $0 2017A—-2018A_-—S 019A. 2020A-«S 202A 2022A «= 2023A = 2024 20258 + Cardissuing business grew + Payment Facilitation grew + Consolidated
Slide 10: Multiple Levers for Future Growth
®usio Multiple Levers for Future Growth New ISVs + i Customers Our operating leverage Opportunity to continue allows us to scale Launch new innovative to penetrate merchant profitably as we grow solutions: government, base beyond the 62% non-profits and penetration today corporations Merchant Penetr
Slide 11: Michael White, SVP, Chief Accounting Officer
Michael White SVP, Chief Accounting Officer
Slide 12: 2026 Outlook
2026 Outlook Revenue Adj. EBITDA $93.94M ‘to $95.65M 10% Growth 12% Growth Continued Positive Adjusted EBITDA
Slide 13: GAAP Reconciliation
GAAP Reconciliation Twelve Months Ended Three Months Ended 31-Dec-25 31-Dec-24 31-Mar-26 31-Mar-25 (Values in Millions) Revenues Reconciliation from Operating Income (Loss) to Adjusted EBITDA: Operating Income (Loss) $ $ $ $ Depreciation and Amortization $ 17S 23. $ 02 $ 05 EBITDA $ (06) $ 08 = § 05
Slide 14: Balance Sheet
Balance Sheet Account 3/31/2026 12/31/2025 Cash S$ oA i Ss 74 Restricted Cash & Settlement Funds 89.6 106.6 Total Assets 120.2 134.9 Short-term/Long-term Debt S$ 0.8 S$ 0.8 Total Liabilities S$ 102.0 Ss 117.0 Total Equity S$ 18.1 S$ 17.9 Total Liability & Stockholder Equity s 120.2 Ss 134.9 Usio.com
Slide 15: Greg Carter, Chief Revenue Officer
®usio Greg Carter Chief Revenue Officer
Slide 16: Payment Facilitation (PayFac)
Payment Facilitation (PayFac) is the latest innovation in merchant acquiring, providing frictionless merchant onboarding, enrollment and automated risk/underwriting procedures - which have traditionally been very manual 38 oy processes - to provide formass adoption and scale in short order by way of
Slide 17: ACH
®usio ACH ACH Transactions Usio is the Fintech leader in payments and a Nacha Certified provider that streamlines payment acceptance and minimizes processing costs. Usio provides ACH processing at a fraction of the cost than credit or debit cards. Usio is unique in that we are the longest- tenured N
Slide 18: Jerry Uffner, SVP, Card Issuing
®usio Jerry Uffner SVP, Card Issuing
Slide 19: Card Issuing
Usio operates as both the program manager and issuer processor, providing web and mobile apps, transaction processing, customer service and compliance in a true turn-key solution. FinTech's, Governments, non-profits and SMBs needing a platform for expense management, funds disbursement, incentives,
Slide 20: Sy Green, SVP, Output Solutions
®usio Sy Green SVP, Output Solutions
Slide 21: Output Solutions
® usio Output Solutions Output Mailed vs. Electronic Only Inc Usio offersdocument design, print and electronic delivery or via US Post Office. Perfect Nasdaq: USIO for entities looking to reduce postage cost, automatethe billing processes and increase operational efficiencies. Output's customer base
Slide 22: Houston Frost, SVP, Chief Product Officer
®usio ton Houston Frost SVP, Chief Product Officer
Slide 23: Ion moves money, funds cards, and pays bills
®usio jon lon moves money, funds cards, & pays bills with full visibility.
Slide 24: Open your Ion account
Open your lon account. unt or many. Fund it from your bank and Create cards for expenses. Pay bills. Connect to QuickBooks. How it Works ‘@usio for Welcome, Jack. oma $661,049 c0 Meren stats 24
Slide 25: Multiple Accounts. Total Control.
Multiple Accounts. Total Control. ‘®usio ion x Welcome, Jack. Merian Studion is ead > ou Create as many lon accounts as pues EE you need. Budget by team, $661,049. Project, or pool D Mersin Sus 25
Slide 26: Fast and Secure.
Fast and Secure. Hy Cards, issued in seconds. nded from any lon me accou! BEERERREEE: I 26
Slide 27: Automated.
Automated. tae Bills, read and routed. Drop in an invoice. lon reads it. Approvers ° 6 sign off. The bill closes itself. a
Slide 28: Everything Talks to Everything.
Everything Talks to Everything. ina} a Connected to your bank. Books that close themselves. The right people see the right Link your account and move money in minutes. QuickBooks sync keeps your records current things. Bank transfers, ACH, wire — all in one place. Every transaction categorized, ever
Slide 29: 2026 Annual Shareholder Meeting
© usIO” 2026 Annual Shareholder Meeting Powering Growth Through Integrated Payments Nasdaq: USIO June 10, 2026 - 10:00 AM CDT June 10,2026 | ©2026 Usio, Inc | OUSig y510 Nasdaq ist., 29