GAAP to Non-GAAP Expense Reconciliations, H2'24 ($ in 000s) Three 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 $ 47,756 $ 0 $ 0 $ 0 $ 0 $ 0 $ 47,756 Provision for credit losses 117,609 0 0 0 0 0 117,609 Funding costs 95,256 0 0 0 0 0 95,256 Processing and servicing 89,166 35 114 0 0 0 89,017 Total Transaction Costs $ 349,787 $ 35 $ 114 $ 0 $ 0 $ 0 $ 349,638 Technology and data analytics $ 124,231 $ 42,875 $ 17,789 $ 0 $ 0 $ 0 $ 63,567 Sales and marketing 135,324 757 2,746 114,226 0 0 17,595 General and administrative 123,459 616 44,264 0 0 0 78,579 Restructuring and other (156) 0 0 0 (156) 0 0 Other Operating Expenses $ 382,858 $ 44,249 $ 64,799 $ 114,226 $ (156) $ 0 $ 159,740 Total Operating Expenses $ 732,645 $ 44,284 $ 64,913 $ 114,226 $ (156) $ 4 $ 509,378 ($ in 000s) Three Months Ended March 31, 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 $ 44,143 $ 0 $ 0 $ 0 $ 0 $ 0 $ 44,143 Provision for credit losses 122,443 0 0 0 0 0 122,443 Funding costs 90,449 0 0 0 0 0 90,449 Processing and servicing 88,209 58 165 0 0 0 87,986 Total Transaction Costs $ 345,244 $ 58 $ 165 $ 0 $ 0 $ 0 $ 345,021 Technology and data analytics $ 124,828 $ 43,841 $ 21,105 $ 0 $ 0 $ 0 $ 59,882 Sales and marketing 132,950 683 3,858 111,829 0 0 16,580 General and administrative 128,721 606 51,947 0 0 0 76,168 Restructuring and other 5,203 0 0 0 5,203 0 0 Other Operating Expenses $ 391,702 $ 45,130 $ 76,910 $ 111,829 $ 5,203 $ 0 $ 152,630 Total Operating Expenses $ 736,946 $ 45,189 $ 77,075 $ 111,829 $ 5,203 $ 4 $ 497,651 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 47 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