GAAP to Non-GAAP Expense Reconciliations, H2'24 ($ in 000s) Three Months Ended September 30, 2024 Stock-Based Enterprise Warrant Compensation & Share Based Restructuring and (1) (2) GAAP D&A Expense Expenses other Other costs Non-GAAP Loss on loan purchase commitment $ 54,237 $ 0 $ 0 $ 0 $ 0 $ 0 $ 54,237 Provision for credit losses 159,824 0 0 0 0 0 159,824 Funding costs 104,145 0 0 0 0 0 104,145 Processing and servicing 95,146 32 262 0 0 0 94,852 Total Transaction Costs $ 413,352 $ 32 $ 262 $ 0 $ 0 $ 0 $ 413,058 Technology and data analytics $ 134,290 $ 45,392 $ 25,972 $ 0 $ 0 $ 0 $ 62,926 Sales and marketing 145,233 686 5,195 121,519 0 0 17,833 General and administrative 138,482 605 62,804 0 0 0 75,073 Restructuring and other (255) 0 0 0 (255) 0 0 Other Operating Expenses $ 417,750 $ 46,683 $ 93,971 $ 121,519 $ (255) $ 0 $ 155,833 Total Operating Expenses $ 831,102 $ 46,715 $ 94,233 $ 121,519 $ (255) $ 4 $ 568,890 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 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 46 include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited