Transaction Costs Transaction Costs Transaction Costs ex-Provision $413 $350 $349 $345 $284 $254 $264 $232 $228 $255 $223 $214 $184 $169 $179 $149 $148 $115 5.5% 5.4% 5.1% 4.8% 4.8% 4.6% 4.7% 4.5% 4.1% 3.5% 3.3% 3.3% 3.2% 3.2% 3.1% 3.0% 2.6% 2.6% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Transaction Costs ($M) % of GMV Transaction Costs ex-Provision ($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 17 3. Metrics are unaudited