Revenue Less Transaction Costs Revenue Less Transaction Costs Revenue Less Transaction Costs ex-Provision 43% 34% YoY YoY $309 $445 $427 $285 $363 $353 $242 $231 $312 $212 $277 $182 $182 $251 $247 $167 $233 $144 5.9% 5.9% 5.6% 5.6% 5.6% 5.0% 5.0% 4.8% 4.4% 4.3% 4.2% 3.8% 3.8% 3.6% 3.7% 3.3% 3.2% 2.5% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Revenue Less Transaction Costs ex-Provision ($M) % of GMV Revenue Less Transaction Costs ($M) % of GMV Notes: 1. Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing 2. Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing 3. Metrics are unaudited 18