Delinquency Performance: Monthly DQ30+ Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in X Loans 4.0% 3.0% FY 2025 FY 2024 FY 2023 2.0% FY 2022 FY 2019 FY 2020 1.0% FY 2021 4% Jul Sep Dec Mar 2019 2020 2021 2022 2023 2024 2025 Notes: 1. Data as of October 2024 25 2. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths 3. Metrics are unaudited