Slide 1: Usio
®usio
Slide 2: Embedded Finance Made Simple
usiO Embedded Finance Made Simple Nasdaq: USIO
Slide 3: Forward Looking Statements
Forward Looking Statements Except for the historical information contained herein, the matters discussed in this presentation include ‘forward Jooking statements which are covered by safe harbors. Those statements include, but may notbe limited to, all statements regarding management's intent, belie
Slide 4: Usio is a leading FinTech with a full stack of payment solutions
© usio Usio is a leading FinTech that operates a full stack of proprietary and integrated, cloud-based electronic payment and embedded financial solutions to a wide range of merchants, billers, banks, service bureaus, and card issuers. Usio operates card and ACH paymentprocessing, card issuing and b
Slide 5: Chairman, President and CEO
CHAIRMAN, PRESIDENT AND CEO ; | ; »
Slide 6: Innovative Leader in the Fast-Growing FinTech Space
INNOVATIVE LEADER Inthe Fast-Growing FinTech space DIVERSIFIED Multi-Channel Product Portfolio in Diversified Industries [——® Payment Facilitation $ —e ACH *¢ Prepaid Card Issuing L__¢ Output Solutions Nasdaq: USIO | usio.com val YoY REVENUE GROWTH 2022 OVER 2021 © usio MILLION SHARES OUTSTANDING AS
Slide 7: Transactions and Dollars Processed
© usio a ; INCREASE DECREASE 7200 $3,400 $3,580 $3,340 2018 2019 2022 2018 2019 2021 24 2022 q q 3 q a q 3 q Q a Do a Pa Q te} « a TRANSACTIONS DOLLARS PROCESSED IN MILLIONS IN MILLIONS 24” a | +04 cryptocurrency space Nasdaq: USIO _usio.com
Slide 8: Annual Revenue
$80 $60 $40 In Millions $20 so Nasdaq: USIO _usio.com $24.0 2018 © usio ANNUAL REVEN U E $81.9-83.3* $69.4 $61.9 vi $32.2 35 0 $28.2 THREE YEAR CAGR 2019 2020 2021 2022 2023 *18-20% revenue growth over 2022. Projected 2023 revenue is $81.9 TO $83.3mm.
Slide 9: Product Ecosystem
© usio PRODUCT ECOSYSTEM © & ho
Slide 10: Payment Facilitation & ACH
PAYMENT FACILITATION & ACH
Slide 11: Payment Facilitation
PAYMENT FACILITATION 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 processes - to provide for mass adoption and scale in short
Slide 12: Automated Check (ACH)
AUTOMATED CHECK (ACH) Usio is the Fintech leader in payments and a Nacha Certified provider that streamlines payment acceptance and minimizes processing costs. Usio provides ACH processing ata fraction of the cost than credit or debit cards. Usio is unique in that we are the longest-tenured Nacha ce
Slide 13: Card Issuing
Slide 14: Prepaid Card Issuing
PREPAID CARD ISSUING Usio operates as both the program manager and issuer processor, providing web and mobile apps, transaction processing, customer service and compliance. Governments, non-profits and SMBs needing platform for expense management, general disbursement, incentives, per diems, loyalty
Slide 15: Output Solutions
OUTPUT SOLUTIONS Sy Green SVP
Slide 16: Output Solutions
OUTPUT SOLUTIONS Usio offers document design, print and electronic delivery or via US Post Office. Perfect for entities looking to reduce postage cost, automate the billing processes and increase operational efficiencies. Output’s customer base is primarily financial institutions, utilities, and tax
Slide 17: Financials
Slide 18: Revenues by Category
REVENUES BY © usio CATEGORY. Three Months Ended March 31 2023 2022 $ Change % Change ACH & Complementary Service Revenue | $ 3,340,722 | $ 3,843,316 | $ (502,594) 13% Credit Card Revenue $ 7,339,898 | $ 6,768,222 | $ 571,676 8%| Prepaid Card Services $ 4,807,404 | $ 2,768,447 |$ 2,038,957 TA% $ $ $
Slide 19: Non-GAAP
NON-GAAP Nasdaq: USIO Values in Millions Revenues Reconcilia from Operating Income (Loss) to Adjusted EBITDA Operating Income (Loss) Depreciation and Amortization EBITDA Non-cash stock-based compensation expense Adjusted EBITDA usio.com 12 Months Ended 31-Dec-22 31-Dec-21 31-Mar-23 31-Dec-22 $ 69.40
Slide 20: Balance Sheet
© usio BALANCE (Account 3/34/2023 12/31/2022 12/31/2021 Cash $6.80 $5.70 $7.30 Restricted Cash & Settlement Funds $66.10 $74.80 $106.80 2 Total Assets $90.90 $97.90 $133.70 = Short-term/Long-term Debt $0.60 $0.10 $0.10 ‘< |Total Liabilities $76.40 $84.00 $115.00 ~ |Total Equity $14.40 $13.90 $18.70
Slide 21: Usio
®usio