The International Money Express, Inc. 2020 Omnibus Equity Compensation Plan (the “2020 Plan”) provided for the granting of stock-based incentive awards, including stock options, restricted stock units (“RSUs”), restricted stock awards (“RSAs”) and performance stock units (“PSUs”) to employees, certain service providers and independent directors of the Company. There were 3.7 million shares of the Company’s common stock approved for issuance under the 2020 Plan, which included 0.4 million shares that were previously subject to awards granted under the International Money Express, Inc. 2018 Omnibus Equity Compensation Plan (the “2018 Plan”). Although awards remain outstanding under the 2018 Plan, which was terminated effective June 26, 2020, no additional awards may be granted under the 2018 Plan.

On June 20, 2025, the Company’s stockholders approved the Amended and Restated International Money Express, Inc. 2020 Omnibus Equity Compensation Plan (the “A&R 2020 Plan” and together with the 2018 and 2020 Plans, the “Plans”), which amends and restates the 2020 Plan. The A&R 2020 Plan increased the number of shares of common stock authorized for issuance under the 2020 Plan by an additional 2.5 million shares. As of September 30, 2025, 3.2 million shares remained available for future awards under the Plan.

The value of each option grant is estimated on the grant date using the Black-Scholes option pricing model (“BSM”). The option pricing model requires the input of certain assumptions, including the grant date fair value of our common stock, expected volatility, risk-free interest rates, expected term and expected dividend yield. To determine the grant date fair value of the Company’s common stock, we use the closing market price of our common stock at the grant date. We also use an expected volatility based on the historical volatility of the Company’s common stock and the “simplified” method for calculating the expected life of our stock options as the options are “plain vanilla” and we do not have any significant historical post-vesting activity. We have elected to account for forfeitures as they occur. The risk-free interest rates are obtained from publicly available U.S. Treasury yield curve rates.

Share-based compensation is recognized as an expense on a straight-line basis over the requisite service period, which is generally the vesting period. The stock options issued under the Plans have 10-year terms and generally vest in four equal installments beginning one year after the date of the grant. The Company recognized compensation expense for stock options of approximately $86.8 thousand for the nine months ended September 30, 2024 (none in the three months ended September 30, 2024, and none in the three and nine months ended September 30, 2025, respectively), which is included in salaries and benefits in the condensed consolidated statements of income and comprehensive income. As of September 30, 2025, there is no unrecognized compensation expense related to stock options.


	Number of Options	Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Term (Years)	Weighted-Average Grant Date Fair Value
Outstanding at December 31, 2024	151,125	$	12.13	4.36	$	4.35
Granted	—	$	—		$	—
Exercised(1)	(5,000)	$	9.91		$	3.32
Forfeited	—	$	—		$	—
Expired	—	$	—		$	—
Outstanding at September 30, 2025	146,125	$	12.21	3.64	$	4.38

Exercisable at September 30, 2025(2)	146,125	$	12.21	3.64	$	4.38

(2) The aggregate fair value of all vested/exercisable options outstanding as of September 30, 2025 was $0.6 million, which was determined based on the market value of our stock as of that date.

The RSUs granted under the Plans to the Company’s employees or certain service providers generally vest in four equal annual installments beginning one year after the date of the grant, while RSUs issued to the Company’s independent directors generally vest on the one-year anniversary from the grant date. The Company recognized compensation expense for all RSUs of approximately $1.5 million and $0.7 million for the three months ended September 30, 2025 and 2024, respectively, and $3.8 million and $2.6 million for the nine months ended September 30, 2025 and 2024, respectively, which is included in salaries and benefits in the condensed consolidated

statements of income and comprehensive income. As of September 30, 2025, unrecognized compensation expense related to RSUs of approximately $8.3 million is expected to be recognized over a weighted-average period of 1.8 years.


	Number of RSUs	Weighted-Average Grant Price
Outstanding (nonvested) at December 31, 2024	432,316	$	20.71
Granted(1)	410,023	$	13.84
Vested	(191,553)	$	20.07
Forfeited	(52,435)	$	17.41
Outstanding (nonvested) at September 30, 2025	598,351	$	17.13

During the nine months ended September 30, 2024, 911 fully vested shares were granted to the Lead Independent Director and Chairs of the Committees of the Board of Directors. The Company recognized compensation expense for the share awards of $20.1 thousand for the nine months ended September 30, 2024 (none in 2025), which is included in salaries and benefits in the condensed consolidated statement of income and comprehensive income. Effective in the second quarter of 2024, the grant of share awards to certain of the Company's independent directors was replaced with the grant of RSAs as described below.

The RSAs issued under the Plans to the Company’s employees generally vest in four equal annual installments beginning one year after the date of grant, while RSAs issued to certain of the Company’s independent directors vest at the end of the three-month calendar quarter in which the grant is made. The Company recognized compensation expense for RSAs granted of $0.5 million and $0.6 million for the three months ended September 30, 2025 and 2024, respectively, and $1.5 million and $1.4 million for the nine months ended September 30, 2025 and 2024, respectively, which is included in salaries and benefits in the condensed consolidated statements of income and comprehensive income. As of September 30, 2025, there was $4.0 million of unrecognized compensation expense related to RSAs, which is expected to be recognized over a weighted-average period of 1.7 years.


	Number of RSAs	Weighted-Average Grant Price
Outstanding (nonvested) at December 31, 2024	227,518	$	20.65
Granted(1)	125,310	$	18.24
Vested	(95,659)	$	18.90
Forfeited	—	$	—
Outstanding (nonvested) at September 30, 2025	257,169	$	20.12

PSUs granted under the Plans to the Company’s employees generally vest subject to attainment of performance criteria during the service period established by the Compensation Committee. Each PSU represents the right to receive one share of common stock, and the actual number of shares issuable upon vesting is determined based upon performance compared to financial performance targets. The PSUs vest based on the achievement of certain adjusted earnings per share targets for a period of up to three years combined with a service period of three years. Compensation cost is recognized over the requisite service period when it is probable that the performance condition will be satisfied.

The Company recognized compensation expense for PSUs of $0.8 million and $1.0 million for the three months ended September 30, 2025 and 2024, respectively, and $1.7 million and $2.7 million for the nine months ended September 30, 2025 and 2024, respectively, which is included in salaries and benefits in the condensed consolidated statements of income and comprehensive income. As of September 30,


	Number of PSUs	Weighted-Average Remaining Contractual Term (Years)	Weighted-Average Grant Price
Outstanding (nonvested) at December 31, 2024	321,530	8.77	$	21.88
Granted(1)	337,814		$	12.11
Vested/accelerated	(14,451)		$	12.11
Forfeited	(9,520)		$	21.01
Outstanding (nonvested) at September 30, 2025	635,373	8.81	$	16.92