Q4'22 Financial and Operating Highlights FXN Presented in millions, except per share data and Q4 2022 Q4 2021 YoY Growth percentages YoY Growth Total Payment Volume (TPV) $357,378 $339,530 $17,848 5% 9% Net revenues $7,383 $6,918 $465 7% N/A Operating margin 16.8% 15.2% ** 167bps N/A Effective tax rate 17.0% (13.5%) ** 30.5pts N/A P A A G Net income (loss) $921 $801 $120 15% N/A Earnings $0.81 $0.68 $0.13 19% N/A per diluted share Net cash provided by $1,591 $1,640 ($49) (3%) N/A 1 operating activities Net revenues $7,383 $6,918 $465 7% 9% Operating margin 22.9% 21.8% ** 115bps N/A P Effective tax rate 16.6% 9.2% ** 7.4pts N/A A A G - n o Net income $1,417 $1,319 $98 7% N/A N Earnings $1.24 $1.11 $0.13 11% N/A per diluted share 1 Free cash flow $1,433 $1,427 $6 —% N/A 1. Beginning with the fourth quarter of 2022, we reclassified certain cash flows related to our collateral security arrangements for derivative instruments from cash flows from operating activities to cash flows from investing activities and cash flows from financing activities within Q4 & FY 2022 Results 5 the condensed consolidated statements of cash flows. See the section titled “Cash Flow Reclassification” for further details. ** Not meaningful