PATHWARD FINANCIAL, INC. — Investor Relations & Filings

Pathward Financial, Inc. is a financial empowerment company driven by its purpose to power financial inclusion for individuals and businesses. The company operates primarily through two key areas: Banking as a Service (BaaS) and Commercial Finance. In its BaaS division, Pathward serves as a regulated bank partner for numerous fintech companies and other non-bank entities, enabling them to offer embedded financial solutions such as payments and card issuing. This partnership model helps extend financial access to consumers and businesses underserved by the traditional banking system. The Commercial Finance division provides businesses with working capital solutions, including equipment financing, asset-based lending, and other commercial loans to support cash flow and growth. The company also offers specialized Tax Solutions, collaborating with a nationwide network of tax preparers to provide electronic fund transfers and related products.