MoneyLion Mergers and Acquisitions Presentation Deck
Disclaimer
Use of Non-GAAP Financial Measures
Some of the financial information and data contained in this presentation, such as adjusted revenue, adjusted
gross profit and adjusted net income, have not been prepared in accordance with United States generally
accepted accounting principles ("GAAP"). MoneyLion management uses these non-GAAP measures for various
purposes, including as measures of performance and as a basis for strategic planning and forecasting.
MoneyLion believes these non-GAAP measures of financial results provide relevant and useful information to
management and investors regarding certain financial and business trends relating to MoneyLion's results of
operations. MoneyLion's method of determining these non-GAAP measures may be different from other
companies' methods and, therefore, may not be comparable to those used by other companies and MoneyLion
does not recommend the sole use of these non-GAAP measures to assess its financial performance. MoneyLion
management does not consider these non-GAAP measures in isolation or as an alternative to financial
measures determined in accordance with GAAP. The principal limitation of these non-GAAP financial measures
is that they exclude significant expenses and income that are required by GAAP to be recorded in MoneyLion's
financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of
judgments by management about which expense and income are excluded or included in determining these
non-GAAP financial measures. In order to compensate for these limitations, management presents non-GAAP
financial measures in connection with GAAP results. You should review MoneyLion's financial statements,
which are included in MoneyLion's 10-Q, and not rely on any single financial measure to evaluate MoneyLion's
business. To the extent that forward-looking non-GAAP financial measures are provided, they are presented on
a non-GAAP basis without reconciliations of such forward-looking non-GAAP measures, due to the inherent
difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliation, which could
be material based on historical adjustments.
Forward-Looking Statements
The information in this press release includes "forward-looking statements" within the meaning of the "safe
harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking
statements may be identified by the use of words such as "estimate," "plan," "project," "forecast," "intend,"
"will," "expect," "anticipate," "believe," "seek," "target" or other similar expressions that predict or indicate
future events or trends or that are not statements of historical matters. These forward-looking statements
include, but are not limited to, statements regarding estimates and forecasts of financial and performance
metrics and expectations and timing related to potential benefits, terms and timing of the transaction. These
statements are based on various assumptions, whether or not identified in this press release, and on the
current expectations of MoneyLion's management and are not predictions of actual performance.
Actual events and circumstances are difficult or impossible to predict and will differ from assumptions. Many
actual events and circumstances are beyond the control of MoneyLion. These forward-looking statements are
subject to a number of risks and uncertainties, including changes in domestic and foreign business, market,
financial, political and legal conditions; failure to realize the anticipated benefits of the proposed business
combination; risks relating to the uncertainty of the projected financial information with respect to MoneyLion;
future global, regional or local economic and mark conditions; development, effects and enforcement of
laws and regulations; MoneyLion's ability to manage future growth; MoneyLion's ability to develop new
products and solutions, bring them to market in a timely manner, and make enhancements to its platform; the
effects of competition on MoneyLion's future business; or, the outcome of any potential litigation, government
and regulatory proceedings, investigations and inquiries. If any of these risks materialize or our assumptions
prove incorrect, actual results could differ materially from the results implied by these forward-looking
statements. There may be additional risks that MoneyLion presently knows or that MoneyLion currently believes
are immaterial that could also cause actual results to differ from those contained in the forward-looking
statements. In addition, forward-looking statements reflect MoneyLion's expectations, plans or forecasts of
future events and views as of the date of this press release. MoneyLion anticipates that subsequent events and
developments will cause its assessments to change. However, while MoneyLion may elect to update these
forward-looking statements at some point in the future, MoneyLion specifically disclaims any obligation to do
so. These forward-looking statements should not be relied upon as representing MoneyLion's assessments as
of any date subsequent to the date of this press release. Accordingly, undue reliance should not be placed
upon the forward-looking statements.
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