Investor Day 2023

Many of our end-to-end Embedded Finance solutions are now live and scaling to support client demand Client needs Payment acceptance Intuitive digital experience, allowing payments when and how desired Manage funds Convenience of managing risk and complexity of money movement Payment disbursement Hassle-free enrollment of sellers, with reliable and fast payments Seller Wallet 1 Seller Bank Account 1 Merchant Developer Console Online Checkout, Tokenization and Optimization 3rd Party Money Account Seller Wallet 2 Managed Pay-Outs Seller Bank Account 2 ... Global Real- Time Payments Our enhanced product suite Omnichannel (incl. Biometrics) Alternative Methods of Payments (incl. Pay-by- Bank) Onboarding Est. margin expansion 3-4x Embedded Finance Accounts Lending Unlocks New Revenue Streams 5 23 140+ Client traction >>> >>> Live In Implementation / Mandated In Pipeline 1 Calculated based on external market reports and J.P. Morgan Payments internal data JPMORGAN CHASE & CO. Embedded FX Payments 3-4x $15B 2022 U.S. Embedded Finance TAM 1 Enabling Key Use Cases/Industry Solutions Retail & Commerce E-commerce Mobility ISVS Energy Professional Services 35

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