Q4'22 Key Operating and Financial Metrics Total Payment Volume Net Revenues Spot FXN Spot FXN +5% | +9% +7% | +9% $7.38B $357.4B $6.92B $339.5B Q4'21 Q4'22 Q4'21 Q4'22 EPS Cash Flow 1 2 1,2 GAAP Non-GAAP Operating Cash Flow Free Cash Flow +19% +11% —% (3%) $1.6B $1.6B $1.24 $1.11 $1.4B $1.4B $0.81 $0.68 Q4'21 Q4'22 Q4'21 Q4'22 Q4'21 Q4'22 Q4'21 Q4'22 FY'22 Key Operating and Financial Metrics Total Payment Volume Net Revenues Spot FXN Spot FXN +9% | +13% +8% | +10% $27.5B $1.36T $25.4B $1.25T FY'21 FY'22 FY'21 FY'22 EPS Cash Flow 1 2 1,2 GAAP Non-GAAP Operating Cash Flow Free Cash Flow (41%) —% +4% (10%) $4.60 $5.8B $5.8B $4.13 $3.52 $5.1B $4.9B $2.09 FY'21 FY'22 FY'21 FY'22 FY'21 FY'22 FY'21 FY'22 1. For a reconciliation of non-GAAP financial measures to the most directly comparable GAAP financial measures, see the section titled “Non-GAAP Measures of Financial Performance” and the subsequent tables at the end of this press release. Q4 & FY 2022 Results 2 2. 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 the condensed consolidated statements of cash flows. See the section titled “Cash Flow Reclassification” for further details.