Delinquency Performance: Monthly DQ30+ ex-Peloton Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in X and Peloton Loans 4.0% FY 2019 3.0% FY 2025 FY 2022 FY 2024 FY 2023 2.0% FY 2020 FY 2021 1.0% 4% Jul Sep Dec Mar 2019 2020 2021 2022 2023 2024 2025 Notes: 1. Data as of October 2024 26 2. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths and loans made for Peloton purchases 3. Metrics are unaudited