Building the Replacement Infrastructure for the World's Money

Use of FY23 Gross Profit We invest a significant share of gross profit in our growth. Product Development (excl. vendors) & Marketing1 Servicing and Corporate Overhead (incl. vendors)² Notes: ¹Product Development and Marketing includes all employee related expenses allocated to Product, Engineering, Design, Banking, Compliance and Treasury and all expenses allocated to Marketing. 2 Relates to all other administrative expenses above EBITDA including Product Development vendor costs. Adjusted EBITDA 43

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