GAAP to Non-GAAP Expense Reconciliations, H1'23 ($ in 000s) Three Months Ended December 31, 2022 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 $ 38,422 $ 0 $ 0 $ 0 $ 0 $ 0 $ 38,422 Provision for credit losses 106,689 0 0 0 0 0 106,689 Funding costs 43,751 0 0 0 0 0 43,751 Processing and servicing 66,508 108 1,033 0 0 0 65,367 Total Transaction Costs $ 255,370 $ 108 $ 1,033 $ 0 $ 0 $ 0 $ 254,229 Technology and data analytics $ 156,747 $ 20,154 $ 48,534 $ 0 $ 0 $ 0 $ 88,059 Sales and marketing 188,334 2,161 5,549 147,516 0 1,930 31,179 General and administrative 158,639 581 66,659 0 0 3,273 88,126 Restructuring and other 0 0 0 0 0 0 0 Other Operating Expenses $ 503,720 $ 22,896 $ 120,742 $ 147,516 $ 0 $ 5,203 $ 207,363 Total Operating Expenses $ 759,090 $ 23,004 $ 121,775 $ 147,516 $ 4 $ 5,203 $ 461,592 ($ in 000s) Three Months Ended September 30, 2022 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 $ 35,610 $ 0 $ 0 $ 0 $ 0 $ 0 $ 35,610 Provision for credit losses 64,250 0 0 0 0 0 64,250 Funding costs 25,066 0 0 0 0 0 25,066 Processing and servicing 54,359 95 912 0 0 0 53,352 Total Transaction Costs $ 179,285 $ 95 $ 912 $ 0 $ 0 $ 0 $ 178,278 Technology and data analytics $ 144,961 $ 17,963 $ 43,428 $ 0 $ 0 $ 0 $ 83,570 Sales and marketing 163,873 2,199 8,128 128,205 0 0 25,341 General and administrative 160,972 625 67,340 0 0 5 93,002 Restructuring and other 0 0 0 0 0 0 0 Other Operating Expenses $ 469,806 $ 20,787 $ 118,896 $ 128,205 $ 0 $ 5 $ 201,913 Total Operating Expenses $ 649,091 $ 20,882 $ 119,808 $ 128,205 $ 4 $ 5 $ 380,191 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 50 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