GAAP to Non-GAAP Expense Reconciliations, H1'24 ($ in 000s) Three Months Ended December 31, 2023 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 $ 53,630 $ 0 $ 0 $ 0 $ 0 $ 0 $ 53,630 Provision for credit losses 120,880 0 0 0 0 0 120,880 Funding costs 84,617 0 0 0 0 0 84,617 Processing and servicing 90,203 158 1,353 0 0 0 88,692 Total Transaction Costs $ 349,330 $ 158 $ 1,353 $ 0 $ 0 $ 0 $ 347,819 Technology and data analytics $ 119,833 $ 38,531 $ 22,567 $ 0 $ 0 $ 0 $ 58,735 Sales and marketing 161,265 721 4,305 134,167 0 0 22,072 General and administrative 132,777 962 61,939 0 0 0 69,876 Restructuring and other 56 0 0 0 56 0 0 Other Operating Expenses $ 413,931 $ 40,213 $ 88,811 $ 134,167 $ 56 $ 0 $ 150,683 Total Operating Expenses $ 763,261 $ 40,372 $ 90,164 $ 134,167 $ 56 $ 4 $ 498,502 ($ in 000s) Three Months Ended September 30, 2023 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 $ 34,866 $ 0 $ 0 $ 0 $ 0 $ 0 $ 34,866 Provision for credit losses 99,696 0 0 0 0 0 99,696 Funding costs 73,931 0 0 0 0 0 73,931 Processing and servicing 75,671 99 1,575 0 0 0 73,997 Total Transaction Costs $ 284,164 $ 99 $ 1,575 $ 0 $ 0 $ 0 $ 282,490 Technology and data analytics $ 132,965 $ 31,676 $ 35,135 $ 0 $ 0 $ 0 $ 66,154 Sales and marketing 146,866 7,681 5,465 115,373 0 0 18,347 General and administrative 140,334 604 70,184 0 0 (66) 69,612 Restructuring and other 1,665 0 0 0 1,665 0 0 Other Operating Expenses $ 421,830 $ 39,961 $ 110,784 $ 115,373 $ 1,665 $ (66) $ 154,113 Total Operating Expenses $ 705,994 $ 40,060 $ 112,359 $ 115,373 $ 1,665 $ (66) $ 436,603 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 48 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