On vs. off-balance sheet GMV in $ million loans sold and GMV less loans sold Drivers ● Funding market conditions ● GMV growth relative to funding capacity additions Note: GMV reüects gross merchandise volume net of refunds and includes volume from Pay Now or down payments on loans; loans are net of A F F I R M | 2 0 2 3 down payments and exclude Pay Now volume. Loans sold includes outstanding principal balance at the time of loan sale. Metrics are unaudited. 8