Pursuing Profitable Growth

45 IMPROVING ENGAGEMENT MARKETING EFFICIENCY $ in millions $100 Key Driver is identifying low return programs Key Risks include uncertain impact on longer-term user behavior Key Upsides include eliminating programs that may have been displacing user deposits $75 $50 $25 48% 44% 44% 42% 43% 42% 41% 43% 43% 43% 42% 39% 40% 52% 50% 49% $56.7 $50.0 $44.9 $36.0 $32.6 $26.6 $23.4 $11.4 $11.9 $13.3 $14.9 $17.1 $3.3 $4.5 $5.9 $7.4 $0 Q1'18 Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Engagement Marketing Engagement Marketing as % of Rev skillz

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