Income Statement Reconciliations - Fiscal Quarter Three Months Ended September 30, 2022 December 31, 2022 March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 Income Statement Reconciliations ($K) $ 361,624 $ 399,558 $ 380,978 $ 445,825 $ 496,547 $ 591,110 $ 576,157 $ 659,185 $ 698,479 Total Revenue Operating Expenses Loss on loan purchase commitment $ 35,610 $ 38,422 $ 31,224 $ 35,009 $ 34,866 $ 53,630 $ 44,143 $ 47,756 $ 54,237 Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Funding costs 25,066 43,751 51,188 63,008 73,931 84,617 90,449 95,256 104,145 Processing and servicing 54,359 66,508 65,229 71,247 75,671 90,203 88,209 89,166 95,146 Total Transaction Costs $ 179,285 $ 255,370 $ 214,079 $ 263,747 $ 284,164 $ 349,330 $ 345,244 $ 349,787 $ 413,352 Technology and data analytics 144,961 156,747 161,792 152,318 132,965 119,833 124,828 124,231 134,290 Sales and marketing 163,873 188,334 140,942 145,131 146,866 161,265 132,950 135,324 145,233 Restructuring and other 4 4 34,934 936 1,665 56 5,203 (156) (255) General and administrative 160,972 158,639 139,266 127,521 140,334 132,777 128,721 123,459 138,482 Total Operating Expenses $ 649,091 $ 759,090 $ 691,013 $ 689,653 $ 705,994 $ 763,261 $ 736,946 $ 732,645 $ 831,102 Operating Income (Loss) $ (287,467) $ (359,532) $ (310,035) $ (243,828) $ (209,447) $ (172,151) $ (160,789) $ (73,460) $ (132,623) Reconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision $ 361,624 $ 399,558 $ 380,978 $ 445,825 $ 496,547 $ 591,110 $ 576,157 $ 659,185 $ 698,479 Total Revenue Less: Loss on loan purchase commitment 35,610 38,422 31,224 35,009 34,866 53,630 44,143 47,756 54,237 Less: Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Less: Funding costs 25,066 43,751 51,188 63,008 73,931 84,617 90,449 95,256 104,145 Less: Processing and servicing 54,359 66,508 65,229 71,247 75,671 90,203 88,209 89,166 95,146 Revenue Less Transaction Costs $ 182,339 $ 144,188 $ 166,899 $ 182,078 $ 212,383 $ 241,780 $ 230,913 $ 309,398 $ 285,127 Plus: Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Revenue Less Transaction Costs ex-Provision $ 246,589 $ 250,877 $ 233,337 $ 276,561 $ 312,079 $ 362,660 $ 353,356 $ 427,007 $ 444,951 Reconciliation from from Operating Income (Loss) to Adjusted Operating Income (Loss) Operating Income (Loss) $ (287,467) $ (359,532) $ (310,035) $ (243,828) $ (209,447) $ (172,151) $ (160,789) $ (73,460) $ (132,623) Plus: Depreciation and amortization 20,882 23,004 46,068 43,279 40,060 40,372 45,189 44,284 46,715 Plus: Stock-based compensation expense 119,808 121,775 106,789 103,337 112,359 90,164 77,075 64,913 94,233 Plus: Enterprise warrant and share-based expense 128,205 147,516 112,961 110,467 115,373 134,167 111,829 114,226 121,519 1 Plus: Restructuring and other 4 4 34,934 936 1,665 56 5,203 (156) (255) 2 Plus: Other costs 5 5,203 2,858 517 (66) 4 4 4 4 Adjusted Operating Income (Loss) $ (18,567) $ (62,034) $ (6,425) $ 14,709 $ 59,944 $ 92,608 $ 78,506 $ 149,807 $ 129,589 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 44 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