Investor Presentation

Attractive cash flow generation and strong liquidity Attractive cash flow generation despite headwinds Increased one-time technology spend in 2019 ~$15M for infrastructure refresh and innovation investments Resilient business model capable of significant cash. flow generation regardless of an ongoing pandemic since 2020 ■ ■ Tax grant in place through 2026 with ~4% tax rate applicable to ~70% of revenue base Net Debt / Adj. EBITDA multiple 1.3x Unrestricted cash as of 3/31/22 -$284M Liquidity as of 3/31/22 -$403M ■ (in millions) $131 2018 (in millions) LO 2.3x 2018 Increased Capex ↓ $120 2019 2.1x 2019 Free Cash Flow (1) $150 2020 Net Debt / Adj. EBITDA (5) 1.9x 2020 $162 2021 1.4x 2021 $200 LTM 1.3x LTM2022 Note: (1) Free Cash Flow is operating cash flows less capital expenditures, excluding acquisition costs. Free Cash Flow does not represent our residual cash flow available for discretionary expenditures, since we have mandatory debt service requirements or other non-discretionary expenditures that are not deducted from the measure. See reconciliation in appendix on page 19. (2) Includes higher than normal capital expenditures for technology infrastructure spending. (3) Excludes $15M related to the expansion of the FirstBank portfolio and ~$3M of debt securities. (4) Non-GAAP reconciliation for net debt/adjusted EBITDA in appendix, p.18. Net debt calculation reflects credit agreement limitation of $60 million cash applied. evertec

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