Income Statement Reconciliations - Fiscal Year June 30, 2022 June 30, 2023 June 30, 2024 Income Statement Reconciliations ($K) $ 1,349,292 $ 1,587,985 $ 2,322,999 Total Revenue Operating Expenses Loss on loan purchase commitment $ 204,081 $ 140,265 $ 180,395 Provision for credit losses 255,272 331,860 460,628 Funding costs 69,694 183,013 344,253 Processing and servicing 157,814 257,343 343,249 Total Transaction Costs $ 686,861 $ 912,481 $ 1,328,525 Technology and data analytics 418,643 615,818 501,857 Sales and marketing 532,343 638,280 576,405 Restructuring and other 4 35,870 6,768 General and administrative 577,493 586,398 525,291 Total Operating Expenses $ 2,215,340 $ 2,788,847 $ 2,938,846 Operating Income (Loss) $ (866,048) $ (1,200,862) $ (615,847) Reconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision $ 1,349,292 $ 1,587,985 $ 2,322,999 Total Revenue Less: Loss on loan purchase commitment 204,081 140,265 180,395 Less: Provision for credit losses 255,272 331,860 460,628 Less: Funding costs 69,694 183,013 344,253 Less: Processing and servicing 157,814 257,343 343,249 Revenue Less Transaction Costs $ 662,431 $ 675,504 $ 994,474 Plus: Provision for credit losses 255,272 331,860 460,628 Revenue Less Transaction Costs ex-Provision $ 917,703 $ 1,007,364 $ 1,455,102 Reconciliation from from Operating Income (Loss) to Adjusted Operating Income (Loss) Operating Income (Loss) $ (866,048) $ (1,200,862) $ (615,847) Plus: Depreciation and amortization 52,722 133,233 169,904 Plus: Stock-based compensation expense 390,983 451,709 344,511 Plus: Enterprise warrant and share-based expense 343,268 499,150 475,595 1 Plus: Restructuring and other 4 35,870 6,768 2 Plus: Other costs 743 8,583 (66) Adjusted Operating Income (Loss) $ (78,332) $ (72,317) $ 380,865 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 45 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