GAAP to Non-GAAP Expense Reconciliations, H2'23 ($ in 000s) Three Months Ended June 30, 2023 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 35,009 $ 0 $ 0 $ 0 $ 0 $ 0 $ 35,009 Provision for credit losses 94,483 0 0 0 0 0 94,483 Funding costs 63,008 0 0 0 0 0 63,008 Processing and servicing 71,247 109 1,411 0 0 0 69,727 Total Transaction Costs $ 263,747 $ 109 $ 1,411 $ 0 $ 0 $ 0 $ 262,227 Technology and data analytics $ 152,318 $ 34,737 $ 44,394 $ 0 $ 0 $ 0 $ 73,187 Sales and marketing 145,131 7,773 6,397 110,467 0 0 20,493 General and administrative 127,521 660 51,135 0 0 517 75,208 Restructuring and other 936 0 0 0 936 0 0 Other Operating Expenses $ 425,906 $ 43,170 $ 101,926 $ 110,467 $ 936 $ 517 $ 168,889 Total Operating Expenses $ 689,653 $ 43,279 $ 103,337 $ 110,467 $ 936 $ 517 $ 431,116 ($ in 000s) Three Months Ended March 31, 2023 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 31,224 $ 0 $ 0 $ 0 $ 0 $ 0 $ 31,224 Provision for credit losses 66,438 0 0 0 0 0 66,438 Funding costs 51,188 0 0 0 0 0 51,188 Processing and servicing 65,229 100 1,120 0 0 0 64,009 Total Transaction Costs $ 214,079 $ 100 $ 1,120 $ 0 $ 0 $ 0 $ 212,859 Technology and data analytics $ 161,792 $ 39,167 $ 45,040 $ 0 $ 0 $ 0 $ 77,585 Sales and marketing 140,942 5,890 5,840 112,961 0 0 16,251 General and administrative 139,266 911 54,789 0 0 2,858 80,708 Restructuring and other 34,934 0 0 0 34,934 0 0 Other Operating Expenses $ 476,934 $ 45,968 $ 105,669 $ 112,961 $ 34,934 $ 2,858 $ 174,544 Total Operating Expenses $ 691,013 $ 46,068 $ 106,789 $ 112,961 $ 34,934 $ 2,858 $ 387,403 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 49 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited