Raising 2022 Full Year Outlook

Net Income Growth Driven by Strong Revenue Growth and Operating Leverage Pre-Tax, Pre-Provision Income ($ in millions) Acquisition Closed 2/1/21 New Model GAAP Net Income (Loss) ($ in millions) ($28.4) 1Q21 $98.3 $74.0 $67.4 $44.2 2Q21 Acquisition Closed 2/1/21 New Model $40.8 $27.2 $29.1 $9.4 ($47.1) 3Q21 4Q21 1Q22 Pre-Tax, Pre-Provision Income (% QoQ) 1Q21 2Q21 3Q21 4Q21 1Q22 N/M N/M 52% 10% 33% GAAP Net Income (%QoQ) Provision for Credit Losses N/M N/M 190% 7% 40% 21.5 34.6 37.5 45.1 52.5 Diluted EPS Income Tax Benefit (Expense) ($0.49) $0.09 $0.26 $0.27 $0.39 2.8 (0.2) (2.7) 0.2 (5.0) LendingClub N/M - Not meaningful 10

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