Investor Presentation

September 2022

Forward Looking/Safe Harbor Statements

The forward-looking statements in this presentation are made under the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. The Company's actual results could differ materially from those indicated by the forward-looking statements because of various risks and uncertainties including those listed in Item 1A of the Company's Annual Report on Form 10-K and in the Company's other filings and reports with the Securities and Exchange Commission. All of the risks and uncertainties are beyond the ability of the Company to control, and in many cases, the Company cannot predict the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this presentation, the words "believes," "plans," "expects," "will," "intends," "continue," "outlook," "progressing," and "anticipates" and similar expressions as they relate to the Company, or its management are intended to identify forward-looking statements. Except as required by law, the Company is not obligated to publicly release any revisions to these forwardlooking statements to reflect the events or circumstances after the date of this presentation or to reflect the occurrence of unanticipated events.

Company Overview

CoreCard is the leading provider of innovative modern card issuing technology solutions and processing services to the financial technology and services market

Our Innovation

The only modern platform built for revolving credit

CoreCard Company Overview

Investment Highlights

Diverse, recurring revenue streams and growth opportunities from new and existing customers

Unique market positioning with an agile business model, vetted and distinctive software, and a proven ability to scale and grow

Large and expanding total addressable market

Robust customer retention due to our history of meeting customer needs and ability to scale with their growth

Resilient, account-based business model supported by counter cyclical opportunities

Profitable business with strong ROIC profile and a disciplined management team

Strong balance sheet and favorable capital structure to support growth strategy

Key Players in Digital Payment Industry

Note: All listed logos except CoreCard are examples. Many companies can fill multiple roles listed above.

CoreCard Markets Served

CoreCard's solutions address the unique and complex needs that issuers and processors face across financial services markets. The CoreCard card platform allows businesses to build tailored payment solutions, seamlessly roll out new products and features and deliver best-in-class products to facilitate new modes of money transfers.

Client End Market		Credit Cards / Loans	Prepaid / DebitCards
Card Based	p o o L n e p O	Credit Cards (network branded bank cards) ▪ Mastercard ▪ Visa	Prepaid Cards ▪ Business (Corporate Card) ▪ GPR Prepaid Cards ▪ Rewards, Promotions & Incentives Debit Cards ▪ Payroll & Benefits
	p o o L d e s o Cl	Private Label Cards ▪ Retail ▪ Dealership Fleet Cards	Prepaid Gift & Promotions Cards Shopping & Loyalty Cards
Non-Card Based	er h Ot & s ct u d o Pr g n di n e L	Short-Term Consumer Loans POS Consumer Finance ▪ General Merchandise / Catalog ▪ PatientFinance A/R Management (businesses) ▪ Manufacturing ▪ Commercial Lending ▪ Factoring Collections / DebtRecovery

Differentiated Revenue Streams

Disaggregated Revenues: FY'21

Professional Services (52%)

Customization of customer's unique program needs
Repeating but not recurring revenue

Processing & Maintenance (29%)

Transaction/account based growth
Recurring revenue

License (12%)

• Tier upgrades – added accounts in customers' growing card programs

Third Party (6%)

• Various other program related services such as monthly statements and card production

What makes CoreCard Unique

CoreCard takes a consultative approach to deploy elastic, scalable solutions that are customer-friendly, require zero downtime, minimal human intervention, and are uniquely situated to service at scale the complex needs of modern card issuers.

Feature	Description	CCRD
Installment Loans	Displays different loans for different customers
Reg Z Compliant Statement Aggregator	Combines multiple loans with a variety of APR's and different loan terms into a single statement
Principal Payment and Interest Calculating APIs	Sends a single customer payment to the right loan balance while accounting for interest, fees, and other unique circumstances
Regulation Compliant Payment Reversals	Generates proper documentation to establish the proper billed-not-paid amounts and generate appropriate fees, again staying in compliance with regulations
Revolving Account Management	API's handle all documentation and collection while providing visibility into interest payments which can support customers' securitization efforts
Multi-Currency Processing	Ability to process transactions in multiple currencies, enhancing customer safety and convince

Industry & Competitive Positioning

CoreCard's unique offering of ease-of-use, scalable and flexible solutions bolster the Company's competitive advantage in a large, underpenetrated, growing market. The management team has three decades of domain expertise, and the Company is known industry-wide for its speed to market customer responsiveness.

Unique Market Position

CoreCard focuses on critical capabilities in a highly fragmented market making the platform nimble and more efficient
Unique product offering (licensing and processing)
Competitors are engaged in lower margin business segments (such as POS) that CoreCard does not operate in

Faster Development Faster Development

Solutions are built to speed for an array of customers across industries
CoreCard software is faster, more flexible, and easier to deploy than legacy software
CoreCard is accessible via multi-channels and through an industry leading customer support team.

Rapid Customization

Highly flexible platform that's built on a robust architectural stack
End-to-end integrations with customers, vendors and cardholders through rich and flexible APIs
Full service outside provider that generates repeat business

Complex Services

Complex work solutions are available in real-time, 24/7/365, with zero downtime
Provides solutions to end users in the most accessible and customer friendly way
Provider of choice for critical high margin complex work

Customer Case Study: Al Ansari Exchange

"We are pleased to collaborate with a modern platform such as CoreCard and integrate their technology into our systems to further enhance our customers' experience when using the Al Ansari Exchange Travel Card." - Mohammad Bitar, Deputy Chief ExecutiveOfficer, Al Ansari Exchange

Al Ansari Exchange: Visa Platinum Multi-Currency Travel Card

✓ Multi-currency: Customers can load and manage multiple currencies on a single card
✓ Pre-Paid: Locks in the best exchange rates, allowing users to control their spending
✓ Secure: Chip and PIN protected, reduces the need to carry a large amount of cash
✓ Convenient: Accepted by millions of global merchants and easily reloadable
✓ Cloud Native Processing: Cloud-native processing services allow quicker deployment times while maintaining the highest standards of resilience and scalability

The CoreCard Platform

CoreCard's platform provides a full suite of innovative and feature-rich card management applications and payment processing solutions that are integral for modern card issuers.

GROWTH STRATEGY

Efficiently Investing for Profitable Growth

Results-driven strategy of prudently investing in product and technology with minimal marketing spend.

Known industry leading provider

Investing in Product Development & Technology

High return go to market strategy

Minimal need for overhead spend

Winning new business with little marketing spend
due to the strength of our solutions

Zero dedicated salespeople

Pillars for Growth

Adding new customers

Continue to attract new customers through customer referrals and online searches–without a dedicated sales team. Path to broaden reach in existing categories and expand services to new industries.

Growing relationships with existing customers and scaling with their growth

Excellent customer service results in high levels of customer retention. Proven ability to handle large quantities of transactions.

Building a global brand

Opened offices in Colombia and Dubai over the past two years in addition to existing offices in India, Romania and the United States. Continue to expand reach to service customers in more regions.

Extending differentiated position in the credit market

Focus on complex needs that competitors cannot or will not approach.

Key Performance Indicators

\$ In millions Operating Income

APPENDIX

CoreCard Management Bios

Team Member	Position	Biography
J. Leland Strange	Chairman & CEO	• Chairman andCEO since 1985. • Inductee in the Georgia Technology Hall of Fame and the Hall of Fame of theGeorgia Tech College of Management. • Serves on the Board of Trustees and past Chairman of the Georgia Tech Research Corporation and is on the advisory board of Georgia Tech's College of Management as well as a trustee emeritus of theGeorgiaTech Foundation. • Served on the board of publicly traded companies such as Allied AutomotiveGroup,Great Plains Software and IQ Software. • Mr. Strange founded Quadram Corporation in 1980. Quadram pioneered the enhancement products industry as one of the fastest growing electronics companies in the U.S in the early years of the personal computer industry.

Matt White

Corporate Secretary

CFO &

Appointed CFO and Corporate Secretary of CoreCard in 2019 with responsibility for financial and SEC reporting, legal and contract matters, corporate governance and due diligence.
Previously served as a Senior Director at Equifax, having held various positions in accounting and SEC reporting while at the company.
Previously held an SEC reporting role at Humana.
Previously a Senior Manager in the audit practice at Deloitte.

Our History

CoreCard Corporation CONSOLIDATED BALANCE SHEETS

(in thousands, except share and per share amounts)

of As December 31,	2021	2020
ASSETS
Current assets:
Cash	\$ \$ 29,244	37,956
Accounts receivable, net	5,547	3,270
Notes and interest receivable, current portion	220	-
Other current assets	1,826	1,263
Total current assets	36,837	42,489
Investments	6,355	1,921
net of Notes and interest receivable, current portion	147	2,681
Property and equipment, at cost less accumulated depreciation	10,371	6,914
Other long-term assets	4,438	3,020
Total assets	\$ \$ 58,148	57,025
LIABILITIES AND STOCKHOLDERS' EQUITY
Current liabilities:
Accounts payable	\$ \$ 2,763	714
Deferred revenue, current portion	2,263	1,322
Accrued payroll	2,145	1,901
Accrued expenses	404	321
Income tax payable	1,004	954
Other current liabilities	2,274	4,850
Total current liabilities	10,853	10,062
Deferred revenue, net of current portion	164	-
Deferred tax liability	549	818
Long-term lease obligation	2,708	1,994
Total noncurrent liabilities	3,421	2,812
Commitments and contingencies (Note 7)
Stockholders' equity:
Common \$0.01 stock, par value: Authorized shares -
20,000,000;
Issued shares - 9,001,311 and 8,929,368 at December 31,
2021 and 2020, respectively;
Outstanding shares - 8,689,815 and 8,885,797 at December
31, 2021 and 2020, respectively	9 0	8 9
Additional paid-in capital	16,261	15,836
Treasury stock, 311,496 and 43,571 shares as of December 31,
2021 and 2020, respectively, at cost	(11,327)	(1,639)
Accumulated other comprehensive loss	(194)	(140)
Accumulated income	39,044	30,005
Total stockholders' equity	43,874	44,151
Total liabilities and stockholders' equity	\$ \$ 58,148	57,025

CoreCard Corporation

CONSOLIDATED STATEMENTS OF OPERATIONS