Change in Allowance for Credit Losses Quarterly Change in Allowance Last 12 Months Change in Allowance $(113) $155 $(383) $502 $351 $309 $351 $232 Allowance Provision for Charge-offs, Net Allowance Allowance Provision for Charge-offs, Net Allowance (June 2024) Losses September 2024 (September 2023) Losses September 2024 Last 12 Months Change in Allowance Quarter Ending 12 Months Ending September 30, December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 2024 Beginning of Period Allowance $ 232 $ 262 $ 289 $ 309 $ 232 3 (+) Provision for Loan Losses 116 117 114 155 502 (-) Charge-offs, Net (86) (90) (94) (113) (383) End of Period Allowance $ 262 $ 289 $ 309 $ 351 $ 351 Loans Held for Investment $ 5,239 $ 5,461 $ 5,670 $ 6,311 $ 6,311 Allowance % of Loans Held for Investment 5.0 % 5.3 % 5.5 % 5.6 % 5.6 % Notes: 1. Dollars in millions 33 2. Metrics are unaudited 3. Table details activity in the allowance for credit losses, including charge-offs, recoveries and provision for loan losses; excludes provision for merchant and affiliate network revenue losses