GAAP to Non-GAAP Expense Reconciliations (FY'23 & FY'24) ($ in 000s) Twelve Months Ended June 30, 2024 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 $ 180,395 $ 0 $ 0 $ 0 $ 0 $ 0 $ 180,395 Provision for credit losses 460,628 0 0 0 0 0 460,628 Funding costs 344,253 0 0 0 0 0 344,253 Processing and servicing 343,249 351 3,207 0 0 0 339,691 Total Transaction Costs $ 1,328,525 $ 351 $ 3,207 $ 0 $ 0 $ 0 $ 1,324,967 Technology and data analytics $ 501,857 $ 156,924 $ 96,596 $ 0 $ 0 $ 0 $ 248,337 Sales and marketing 576,405 9,842 16,374 475,595 0 0 74,594 General and administrative 525,291 2,788 228,334 0 0 (66) 294,236 Restructuring and other 6,768 0 0 0 6,768 0 0 Other Operating Expenses $ 1,610,321 $ 169,553 $ 341,304 $ 475,595 $ 6,768 $ (66) $ 617,167 Total Operating Expenses $ 2,938,846 $ 169,904 $ 344,511 $ 475,595 $ 6,768 $ (66) $ 1,942,134 ($ in 000s) Twelve Months Ended June 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 $ 140,265 $ 0 $ 0 $ 0 $ 0 $ 0 $ 140,265 Provision for credit losses 331,860 0 0 0 0 0 331,860 Funding costs 183,013 0 0 0 0 0 183,013 Processing and servicing 257,343 412 4,476 0 0 0 252,455 Total Transaction Costs $ 912,481 $ 412 $ 4,476 $ 0 $ 0 $ 0 $ 907,593 Technology and data analytics $ 615,818 $ 112,021 $ 181,396 $ 0 $ 0 $ 0 $ 322,401 Sales and marketing 638,280 18,023 25,914 499,150 0 1,930 93,263 General and administrative 586,398 2,777 239,923 0 0 6,653 337,044 Restructuring and other 35,870 0 0 0 35,870 0 0 Other Operating Expenses $ 1,876,366 $ 132,821 $ 447,233 $ 499,150 $ 35,870 $ 8,583 $ 752,708 Total Operating Expenses $ 2,788,847 $ 133,233 $ 451,709 $ 499,150 $ 35,870 $ 8,583 $ 1,660,301 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 51 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