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9Note: See “Footnotes” section for detailed footnotes and definitions.
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Reputation Anti-virus Insurance Anti-scamRansomware Monitoring & alerts Cyber Safety agent ID restoration & legal Fraud prevention 12
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• EWA • Credit Card • Debit Card • Rewards • Auto Refinance • Auto Insurance • Mortgage • LOC • HELOCs • Insurance • 401(k) • IRA • Managed Investing • Financial Planning • Estate Planning 13
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Credit Building Credit Monitoring Cash Management Checking Account / Banking Trading and Investing Rewards Consumer Marketplace 18
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650+ Channel Partners with large base of consumers Deep integrations with 600+ financial Product Partners through 30+ verticals Gen's customer base will further enhance our product partners and depth in key growth verticals Note: All tradem arks, logos and brand names used herein are the property of their respective owners and are used herein for identification purposes only. 20
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21Note: See “Footnotes” section for detailed footnotes and definitions. LTM as of Q1 FY26
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22Note: See “Footnotes” section for detailed footnotes and definitions.
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2019 2020 2021 2022 2023 2024 H1 2025 Annualized 2019 2020 2021 2022 Extending Lifetime Value Revenue by Cohort 2023 Pre-2019 2025 80%+ Repeat Revenue (5) from historical cohorts 2024 24
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44 1st & 3rd Party Data Sources Hosted Underwriting Models Lender A Lender B Lender C Verified Consumer Data Name John Doe Annual Income $145,000 Employment ABC Construction, Full Time Account Number 154503896271 Bureau Data Cashflow Data … and more
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Enrichment Credit Payments Fraud Recommendations TxCat PcMex TxMex PCD NSF InterbankTransfer Loan SubD Gas ATM Fee Revenue & Spend Merchant Telecommunication Unusual Spending LASIC LASLoTUL ProfA-C OSTRA PaRiS ANUBIS MIME Next Best Offer Model TFRec Ranking Model Email Propensity Model Billions of model outputs per year – data enrichments, predictions, rankings, recommendations, and more Natural Language Processing (NLP) XGBoost Deep Learning LightGBM XGBoost Embeddings Collaborative Filtering Deep Learning Clustering 49
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50 Enabling consumers understand their financial and credit data
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Task planner Tool executer Response generator Post processor 51
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Perception often outweighs reality: Applying for a job Securing a loan Getting elected Ensuring non-public data stays private 57% of employers rejected candidates based on social media content 36% of college admission officers look into applicants’ internet profiles 59
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61 Access to 10s of millions of high value customers in the US Opening more than 10M new financial accounts each year Access to 100s of millions of high value customers globally Embed security and privacy features for trust-based solutions users Secure access to one of the most complete financial portfolios Educate to make financial products and services more accessible Empower the consumer to monitor, manage, control, and make better decisions Secure and easy access to an extended set of 3rd party products and services
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Security Competitors Financial Institutions Emerging FinTech Big Data Providers Protection Scaled Customers Core Financial Suite Identity Reputation Open Ecosystem 63
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Powered by AI & Insights 64
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66 Cyber Safety Platform Trust- Based Solutions
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67 ~20% CAGR 10%+ CAGR Note: We are not providing FY26 GA AP EPS estimate because most non -GA AP adjustments pertain to events that have not yet occurred and would be unreasonably burdensome to forecast.
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Scaled Distribution Disciplined Execution Customer Centricity Innovation- Driven Portfolio Trusted Brands Consumer-first mentality Customer journey- optimized experiences Leading retention and lifetime value High performance, purpose-driven culture Strong cash generation Strategic reinvestment for growth AI-centric innovation Scalable Cyber Safety platform Data-rich protection capabilities Leaders in consumer Cyber Safety Global recognition Brand equity across key demographics Direct-to-consumer, partner reach Global freemium-to- premium sales B2B2C Marketplace 69
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Data driven moments of truth 50 bps 25% 40M+ AI-driven behavioral segmentation Cyber Safety scam assistant Agentic lifecycle marketing Product and content recommender Personalized insights and advice Sentiment AI for reputation Customer support agents AI cancellation chatbot 71
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Enhanced New 72
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1) Total Customer Inquiries is composed of Consumer Inquiries, which represents the number of submitted consumer applications for financial products across our marketplace business, MoneyLion app installs and users who have registered via the MoneyLion website. Metrics are as of June 30, 2025, with Total Customers added and incremental Total Products consumed related to Q1 FY26. Products per customer calculated as Total Products divided by Total Customers. 2) Total Customers is the cumulative number of customers that have opened at least one account, including banking, membership subscription, secured personal loan, Instacash advance, managed investment account, cryptocurrency account and customers that are monetized through our marketplace and affiliate products. Total Customers also include customers that have submitted for, received or clicked on at least one marketplace credit offer. 3) TTM Financially Active Users are unique customers that generated revenue across any product in the trailing twelve months, whether through our first- party personal finance products, or transacting through our financial marketplaces. 4) Total Products is the total number of products that our Total Customers have opened, including banking, membership subscription, secured personal loan, Instacash advance, managed investment account, cryptocurrency account and monetized marketplace and affiliate products, as well as customers who signed up for our financial tracking services (with either credit tracking enabled or external linked accounts), whether or not the customer is still registered for the product. Total Products also include marketplace credit offers that our Total Customers have submitted for, received or clicked on through our marketplace. If a customer has funded multiple secured personal loans or Instacash advances or opened multiple products through our marketplace, it is only counted once for each product type. 5) Repeat Revenue of MoneyLion direct-to-consumer revenue as of the first half of calendaryear 2025, including revenue from the consumer marketplace. Note: excludes revenue derived from phased out products. 76