THE BANCORP INVESTOR PRESENTATION JULY 2025 2 FORWARD LOOKING STATEMENTS & OTHER DISCLOSURES Statements in this presentation regarding The Bancorp, Inc.'s ("The Bancorp") business, that are not historical facts, are "forward-looking statements." These statements may be identified by the use of forward-looking terminology, including the words "intend," "may," "believe," "will," "expect," "look," "anticipate," "plan," "estimate," "continue," or similar words. Forward-looking statements include but are not lim ...

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Group 1: Fintech Market Overview - Fintech was one of the worst performing sectors during the 2022 bear market and the subsequent two years, struggling due to rising interest rates and inflation after the pandemic [1] - A resurgence of fintech stocks is observed in 2025, with companies like SoFi and PayPal showing growth in membership and user base respectively [2] Group 2: Investment Opportunities in Fintech - There are significant opportunities in the fintech sector, but it is characterized by volatility, prompting investors to consider ETFs for exposure [3] - The Global X Fintech ETF (FINX) has delivered 10.6% annualized returns since its inception in 2016, with a 0.68% expense ratio [5] - The top holdings in the Global X Fintech ETF include Coinbase (9.76%), Intuit (6.36%), and PayPal (5.55%) [5] Group 3: Active vs Passive Management in ETFs - The Ark Fintech Innovation ETF (ARKF) is actively managed with over $1.2 billion in assets, aiming to outperform a benchmark [8] - This ETF has a broader definition of fintech stocks, investing about 5% in Bitcoin and including non-traditional fintech companies like Shopify and Roblox [9] - Since its inception in early 2019, the Ark ETF has delivered nearly 16% annualized returns with a 0.75% expense ratio [9] Group 4: Investment Strategy Considerations - Both the Global X and Ark ETFs provide solid investment options in fintech without the need to pick individual stocks, but they cater to different investment strategies [10] - The Global X fund is suitable for broad fintech exposure, while the Ark ETF may appeal to those seeking smaller, high-potential companies despite higher volatility [10]

Core Insights - IQSTEL Inc. has achieved a significant milestone by uplisting to NASDAQ without raising funds, demonstrating strong financial discipline and organic growth [4][5] - The company is on track to reach a nearly $400 million annual run rate by Q3 2025, up from $13 million in 2018, reflecting a robust growth strategy [6] - IQSTEL aims for $1 billion in annual revenue by 2027, projecting $20–30 million in EBITDA at that level, which aligns with industry peers [12][13] Financial Performance - The company is generating positive EBITDA and net income in its operating subsidiaries, with plans to report both revenue and EBITDA to reflect increasing profitability [7] - Forecasted revenue for FY-2025 is $340 million, reinforcing the trajectory towards the $1 billion goal [19] Business Segments - Approximately 80% of current revenue comes from telecom services, while fintech contributes 20%, with fintech's share expected to grow [8] - Recent AI-powered service launches include IQ2Call.ai and AIRWEB.ai, which are already generating revenue [9] Strategic Acquisitions - The acquisition of Globetopper in July 2025 is expected to add $60–70 million in annual revenue and positive EBITDA, with plans to grow its contribution to over $100 million [10][11] - The company has identified additional acquisition targets that will enhance EBITDA and reinforce its core capabilities [11] Shareholder Engagement - The management team is actively engaging with institutional investors and family offices to enhance shareholder value without issuing new shares [16] - The company emphasizes transparency and consistent communication with its over 20,000 shareholders [15]

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Core Points - Dave Inc. will host a conference call on August 6, 2025, at 8:30 a.m. Eastern time to discuss its Q2 financial results for the period ending June 30, 2025 [1] - The financial results will be released in a press release prior to the conference call on the same day [1] Conference Call Details - Date and Time: August 6, 2025, at 8:30 a.m. Eastern time [2] - Toll-free dial-in number: (866) 652-5200; International dial-in number: (412) 317-6060 [2] - The conference call will be available for replay on the Company's website [2] Company Overview - Dave is a leading U.S. neobank and fintech pioneer, serving millions of everyday Americans [4] - The company utilizes disruptive technologies to offer competitive banking services at lower costs compared to traditional banks [4]

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Market Overview - The stock market reached new highs as Wall Street reacts positively to the start of the second-quarter earnings season, with many companies exceeding lowered estimates due to tariffs [1] - Management commentary on current business trends has been favorable, enhancing earnings expectations for Q3 and beyond [2] - The improving earnings outlook, along with projections of potential Federal Reserve rate cuts in the second half of the year, creates a bullish environment extending beyond July [2] Investment Opportunities - Investors are encouraged to consider adding exposure to highly-ranked cheap stocks trading for $10 or less, which are driven by improving earnings outlooks [3] - Stocks priced under $10 are seen as having potential, especially those with strong Zacks Ranks (1 Strong Buys or 2 Buys) [3][9] Penny Stocks - The SEC defines penny stocks as those trading for less than $5, which are often avoided by investors due to their speculative nature [4] - Penny stocks typically trade infrequently and exhibit wide bid/ask spreads, leading to excessive volatility, although some can perform exceptionally well [5] Stocks Under $10 - Stocks in the $5 to $10 range are generally considered less risky than penny stocks, and investors may be more familiar with these companies [6] - A selective approach can yield winning stocks under $10, with specific screening parameters to identify potential investments [7][10] Featured Stock: PaySign, Inc. (PAYS) - PaySign, Inc. specializes in prepaid card programs and is projected to grow its revenue by 24% in 2025 and 11% in the following year, with a historical average sales expansion of 25% over the past four years [13] - The company is expected to see a significant increase in adjusted earnings, projected to grow by 400% in 2025 from $0.07 to $0.35, and further to $0.47 the next year [13] - PaySign's stock has surged 270% in the past three months, currently trading around $8.05, which is 5% below its recent peaks and 55% under its all-time highs from summer 2019 [13][15] - The stock trades at a 15% discount compared to its industry average, indicating potential value [14]

Group 1 - FinVolution Group (NYSE: FINV) is a fintech company aiming to disrupt both the domestic market in China and international markets [1] - The company experienced poor initial performance after its listing in 2017 [1]