BLOCK Investment & Profitability Ecosystem Overview

BLOCK AFTERPAY AFTERPAY We have improved risk loss in each region over time Risk loss by region since launch Quarters since launch, risk loss as a percentage of GMV UK Post COVID pressure UK Risk intervention UK 1.47% US Post COVID pressure US Risk Intervention ANZ COVID pressure U.S. 1.06%¹ 1 Quarters since launch 1. Data through December 31, 2021. For definitions of "ANZ", "SKU" and "Risk Loss" please see Appendix. >90% of Afterpay customers use debit ANZ Risk Intervention 95% of all installments were paid on time 28 ANZ 0.80% 98% of all purchases incurred no late fees 45

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