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Submitted URL: http://email.analystratings.net/ls/click?upn=u001.iYi-2FxQqc-2B6Z1nTxMHi5znV50reyQNH-2BS5TYdck1BXE8cKRx71YIw-2F6erSSyMrBzt4dlQZr...
Effective URL: https://investors.sofi.com/news/news-details/2024/SoFi-Technologies-Reports-Q1-2024-Net-Revenue-of-645-Million-and-Net-Inco...
Submission: On April 29 via api from BE — Scanned from DE
Effective URL: https://investors.sofi.com/news/news-details/2024/SoFi-Technologies-Reports-Q1-2024-Net-Revenue-of-645-Million-and-Net-Inco...
Submission: On April 29 via api from BE — Scanned from DE
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<div class="grid grid--gutter"><span class="grid_col"><span class="module-stock-header_description1">NASDAQ: SOFI</span><span class="module-stock-header_stock-price">7.04</span></span><span class="grid_col"><span
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<span id="_ctrl0_ctl64_spanNewsDetailsTitle">SoFi Technologies Reports Q1 2024 Net Revenue of $645 Million and Net Income of $88 Million, Marking Second Consecutive Quarter of GAAP Profitability</span>
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<span id="_ctrl0_ctl64_spanDate" class="evergreen-news-date-text">April 29, 2024</span> <span id="_ctrl0_ctl64_spanTime" class="evergreen-news-time-text"></span>
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<p class="bwalignc">
<i>54% Combined Revenue Growth in Tech Platform and Financial Services Segments Drove 26% Growth in Total Adjusted Net Revenue</i>
</p>
<p class="bwalignc">
<i>Management Raises FY 24 Guidance</i>
</p>
</div>
<p><span class="bw-dateline-wrapper">SAN FRANCISCO--(BUSINESS WIRE)-- </span> SoFi Technologies, Inc. (NASDAQ: SOFI), a member-centric, one-stop shop for digital financial services that helps members borrow, save, spend,
invest and protect their money, reported financial results today for its first quarter ended March 31, 2024. </p>
<div id="bwbodyimg" style="width: 480px; float:left; padding-left:0px; padding-right:20px; padding-top:0px; padding-bottom:0px;">
<img alt="(Graphic: Business Wire)" src="https://mms.businesswire.com/media/20240429229505/en/2112033/4/Screenshot_2024-04-28_at_4.31.58%E2%80%AFPM.jpg">
<p style="font-size:85%;">(Graphic: Business Wire)</p>
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<p> Anthony Noto, CEO of SoFi Technologies, Inc. commented: “Our first quarter was an exceptionally strong start to 2024, demonstrating significant momentum as we responsibly grow revenue and diversify toward our Financial
Services and Tech Platform segments, sustain profitability, reinforce our balance sheet, and grow our member base. We delivered adjusted net revenue of $581 million, representing 26% year-over-year growth. Financial
Services and Tech Platform segment revenue combined grew 54% and represented a record 42% of consolidated adjusted net revenue, offsetting flat Lending segment revenue given a more conservative approach in light of
macroeconomic uncertainty.” </p>
<p> “We delivered adjusted EBITDA of $144 million, a 25% margin, representing 91% year-over-year growth. This equates to a 57% incremental adjusted EBITDA margin, with all three segments profitable on a contribution basis.
At the same time, we further strengthened our balance sheet growing tangible book value by $608 million, ending the quarter at $4.1 billion and $3.92 of tangible book value per share up 16% sequentially." </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0" colspan="11" rowspan="1">
<p class="bwcellpmargin">
<b>Consolidated Results Summary</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwalignc" colspan="6" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwalignc" colspan="2" rowspan="2">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands, except per share amounts)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="2" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Consolidated </b>–<b> GAAP</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 644,995 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 472,158 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 37 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net income (loss) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 88,043 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (34,422 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net income (loss) attributable to common stockholders – basic </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 77,964 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (44,390 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net income (loss) attributable to common stockholders – diluted<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 22,523 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (44,390 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Earnings (loss) per share attributable to common stockholders – basic </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 0.08 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (0.05 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Earnings (loss) per share attributable to common stockholders – diluted<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 0.02 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (0.05 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Consolidated – Non-GAAP</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Adjusted net revenue<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 580,648 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 460,163 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 26 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Adjusted EBITDA<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 144,385 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 75,689 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 91 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Tangible book value (as of period end)<sup>(3)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,084,605 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,191,201 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 28 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Tangible book value per common share<sup>(3)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.92 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.43 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> For the three months ended March 31, 2024, diluted earnings per share of $0.02 and diluted net income attributable to common stockholders of $22,523 exclude gain on extinguishment
of debt, net of tax, associated with convertible note activity during the period, as well as interest expense incurred, net of tax, related to convertible notes due 2026. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (2) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Adjusted net revenue and adjusted EBITDA are non-GAAP financial measures. For more information and reconciliations to the most comparable GAAP measures, see “Non-GAAP Financial
Measures” and Table 2 to the “Financial Tables” herein. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (3) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Tangible book value is defined as permanent equity, adjusted to exclude goodwill and intangible assets. Tangible book value per share is defined as tangible book value, divided by
diluted weighted average common stock outstanding. Refer to Table 7 to the “Financial Tables” herein. </p>
</td>
</tr>
</tbody>
</table>
<p> Noto continued: “We opportunistically executed two key transactions in the quarter. First, we issued $862.5 million of convertible notes due in 2029 at a 1.25% coupon to reduce overall financing costs. Second, we
exchanged $600.0 million principal of our convertible notes due in 2026 for shares of SoFi common stock at a notable discount to par, which further strengthened our balance sheet for long-term growth. These transactions
reduce upcoming maturities, have minimal impact on a fully diluted EPS basis for 2024 and are accretive to tangible book value and tangible book value per share. In terms of our regulatory capital ratios, our total
capital ratio of 17.3% improved by 200 bps from 15.3% last quarter and remains comfortably above the regulatory minimum of 10.5%. </p>
<p> “Total deposits grew by a record of $3.0 billion, up 16% during the first quarter to $21.6 billion at quarter-end, with over 90% of SoFi Money deposits (inclusive of Checking and Savings and cash management accounts)
coming from direct deposit members. For new direct deposit accounts opened in the first quarter of 2024, the median FICO score was 744, with more than half of newly funded SoFi Money accounts setting up direct deposit by
day 30. This account primacy boosted debit spend by more than threefold year-over-year to over $1.9 billion. Importantly, and as anticipated, we continue to benefit from continued strong cross-buy trends from this
attractive member base into Lending and other Financial Services products. </p>
<p> “This growth in high quality deposits drives lower cost of funding for our loans and increases our flexibility to capture additional net interest margin (NIM) and optimize returns, a critical advantage in light of
notable macroeconomic uncertainty. We saw year-over-year expansion in our net interest margin to 5.91% in the quarter. SoFi Bank, N.A. generated $100 million of GAAP net income at a 21% margin in the first quarter of
2024, and an annualized return on tangible equity of 11.7%." </p>
<p> Noto concluded: “Tech Platform revenue growth accelerated to 21% year-over-year, while contribution margins rose from 19% to 33% as our consistent product development and successful shift in sales strategy has enabled
us to diversify growth and pursue larger, more durable revenue opportunities. </p>
<p> “In Lending, a record 82% of the segment’s adjusted net revenue was derived from Net Interest Income, compared to 76% last quarter and 62% in the year-ago quarter. This is a direct benefit of the strong performance of
our balance sheet assets. In fact, the percent of adjusted Lending revenue from Net Interest Income has more than doubled since we launched SoFi Bank two years ago.” </p>
<p>
<b>Consolidated Results</b>
</p>
<p> SoFi reported a number of key financial achievements in the first quarter of 2024, including total GAAP net revenue of $645.0 million, which increased 37% relative to the prior-year period's $472.2 million. First
quarter adjusted net revenue of $580.6 million grew 26% from the corresponding prior-year period of $460.2 million. First quarter adjusted EBITDA of $144.4 million increased 91% from the same prior year period's $75.7
million. </p>
<p> SoFi reported its second consecutive quarter of GAAP net income, achieving $88.0 million in the first quarter of 2024, which includes a $59.2 million one-time benefit from exchanging convertible debt in the quarter.
This compares to a loss of $34.4 million in the first quarter of 2023. Diluted earnings per share for the first quarter was $0.02, which did not include a benefit from the convertible debt exchange in the quarter. </p>
<p> Net interest income of $402.7 million for the first quarter was up 71% and up 3% sequentially. Net interest margin of 5.91% was up from 5.48% in the prior-year quarter. </p>
<p> The average rate on interest-earning assets decreased by 20 basis points sequentially and increased 114 basis points versus the prior-year period, while the average rate on interest-bearing liabilities decreased 13
basis points sequentially and increased 54 basis points year-over-year. The funding of loans continued to shift toward deposits. In the first quarter of 2024, the average rate on deposits was 226 basis points lower than
that of warehouse facilities. </p>
<p>
<b>Member and Product Growth</b>
</p>
<p> Continued growth of over 35% in both total members and products, along with improving operating efficiency, reflects the benefits of our broad product suite and unique Financial Services Productivity Loop (FSPL)
strategy. </p>
<p> New member additions were nearly 622,000 in the quarter, and total members reached over 8.1 million by quarter-end, up nearly 2.5 million, or 44%, from the prior year period. </p>
<p> Product additions were over 989,000 in the first quarter of 2024, and total products were over 11.8 million at quarter-end, up 38% from 8.6 million at the same prior year period. </p>
<p> In the Financial Services segment, total products increased by 42% year-over-year, to 10.1 million from 7.1 million in the first quarter of 2023. SoFi Money (inclusive of Checking and Savings and cash management
accounts) grew 61% year-over-year to 3.9 million products, SoFi Relay grew 64% year-over-year to 3.6 million products and SoFi Invest grew 1% year-over-year to 2.2 million products, but when adjusted to exclude the
accounts of our now closed digital assets business, total products increased 24% year-over-year. </p>
<p> Lending products increased 20% year-over-year to 1.7 million products, driven primarily by continued demand for personal loan products as well as steady growth in student loan products. </p>
<p> Technology Platform enabled accounts increased by 20% year-over-year to 151 million. </p>
<p>
<b>Lending Segment Results</b>
</p>
<p> For the first quarter of 2024, Lending segment GAAP net revenue of $330.5 million decreased 2% from the prior year period, while adjusted net revenue for the segment remained flat year-over-year at $325.3 million.
Higher loan balances and net interest margin expansion drove strong growth in net interest income of $65.5 million, or 33% year-over-year, for the first quarter of 2024. Net interest income of $266.5 million
significantly exceeded directly attributable segment expenses of $117.6 million for the first quarter of 2024. </p>
<p> Lending segment first quarter of 2024 contribution profit was $207.7 million, down 1% from $209.9 million in the same prior-year period. Contribution margin using Lending adjusted net revenue for the first quarter of
2024 decreased to 64% from 65% in the same prior-year period. These strong margins reflect SoFi’s ability to capitalize on continued strong demand for its lending products. </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0" colspan="12" rowspan="1">
<p class="bwcellpmargin">
<b>Lending – Segment Results of Operations</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwalignc" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwalignc" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 266,536 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 201,047 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 33 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Noninterest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 63,940 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 136,034 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (53 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Total net revenue – Lending</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 330,476 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 337,081 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (2 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Servicing rights – change in valuation inputs or assumptions </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (5,226 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (12,084 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (57 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Residual interests classified as debt – change in valuation inputs or assumptions </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 73 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (18 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Directly attributable expenses </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (117,604 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (115,188 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Contribution profit</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 207,719 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 209,898 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Adjusted net revenue – Lending<sup>(1)</sup>
</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 325,323 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 325,086 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<p>
</p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Adjusted net revenue – Lending represents a non-GAAP financial measure. For more information and a reconciliation to the most comparable GAAP measure, see “Non-GAAP Financial
Measures” and Table 2 to the “Financial Tables” herein. </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Lending – Loans At Fair Value</b>
</p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Personal Loans</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Student Loans</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Home Loans</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Total</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>
<span class="bwuline">March 31, 2024</span>
</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Unpaid principal </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,332,874 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,559,211 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 58,304 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20,950,389 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Accumulated interest </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 116,366 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 27,414 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 22 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 143,802 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Cumulative fair value adjustments<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 607,765 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 247,536 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,151 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 856,452 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total fair value of loans<sup>(2)(3)</sup>
</p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 15,057,005 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,834,161 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 59,477 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21,950,643 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>
<span class="bwuline">December 31, 2023</span>
</b>
</p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Unpaid principal </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,498,629 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,445,586 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 67,406 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21,011,621 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Accumulated interest </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 114,541 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 34,357 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 92 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 148,990 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Cumulative fair value adjustments<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 717,403 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 245,541 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,300 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 961,644 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total fair value of loans<sup>(2)(3)</sup>
</p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 15,330,573 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,725,484 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 66,198 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 22,122,255 </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> During the three months ended March 31, 2024, the cumulative fair value adjustments for personal loans were primarily impacted by lower unpaid principal balance and higher
prepayment rate, discount rate and default rate assumptions, which resulted in lower fair value marks. The cumulative fair value adjustments for student loans were primarily impacted by higher unpaid principal
balance. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (2) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Each component of the fair value of loans is impacted by charge-offs during the period. Our fair value assumption for annual default rate incorporates fair value markdowns on
loans beginning when they are 10 days or more delinquent, with additional markdowns at 30, 60 and 90 days past due. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (3) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Student loans are classified as loans held for investment, and personal loans and home loans are classified as loans held for sale. </p>
</td>
</tr>
</tbody>
</table>
<p> The following table summarizes the significant inputs to the fair value model for personal and student loans: </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="5" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Personal Loans</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwsinglebottom" colspan="5" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Student Loans</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,
</b>
<br><br>
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,
</b>
<br><br>
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,
</b>
<br><br>
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,
</b>
<br><br>
<b>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average coupon rate<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 13.8 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 13.8 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.6 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.6 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average annual default rate </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.8 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.8 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 0.6 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 0.6 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average conditional prepayment rate </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 24.7 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 23.2 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10.5 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10.5 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average discount rate </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.8 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.5 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.3 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.3 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth57" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Benchmark rate<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.5 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.1 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.1 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.6 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Represents the average coupon rate on loans held on balance sheet, weighted by unpaid principal balance outstanding at the balance sheet date. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (2) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Corresponds with two-year SOFR for personal loans, and four-year SOFR for student loans. </p>
</td>
</tr>
</tbody>
</table>
<p> First quarter Lending segment total origination volume increased 22% year-over-year, as a result of continued strong demand for personal loans and stable growth in student loan originations. </p>
<p> Personal loan originations of $3.3 billion in the first quarter of 2024 were up 11% year-over-year, and increased 2% sequentially, as anticipated given our more conservative approach in light of macro uncertainty.
First quarter student loan volume of nearly $752 million was up 43% year-over-year, and declined 5% sequentially. First quarter home loan volume of $336 million was up 274% year-over-year, and 9% sequentially. </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0" colspan="10" rowspan="1">
<p class="bwcellpmargin">
<b>Lending – Originations and Average Balances</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="5" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="2">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="2" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="2" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Origination volume ($ in thousands, during period) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Personal loans </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,278,882 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,951,358 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 11 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Student loans </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 751,680 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 525,373 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 43 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Home loans </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 336,148 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89,787 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 274 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl6 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwdoublebottom bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwdoublebottom bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,366,710 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwdoublebottom bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwdoublebottom bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,566,518 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 22 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Average loan balance ($, as of period end)<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Personal loans </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 24,259 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 25,008 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (3 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Student loans </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 44,448 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 46,106 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (4 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> )% </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Home loans </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 282,917 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 283,579 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> _________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Within each loan product category, average loan balance is defined as the total unpaid principal balance of the loans divided by the number of loans that have a balance greater
than zero dollars as of the reporting date. Loans with a balance and average loan balance include loans on our balance sheet, as well as transferred loans and referred loans with which we have a continuing
involvement through our servicing agreements. </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Lending – Products</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwsinglebottom" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth10 bwalignc" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth10 bwalignc" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Personal loans </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,152,688 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 904,912 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 27 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Student loans </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 521,835 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 484,961 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Home loans </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,632 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 26,249 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 17 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl6 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total lending products </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,705,155 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,416,122 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<p>
<b>Technology Platform Segment Results</b>
</p>
<p> Technology Platform segment net revenue of $94.4 million for the first quarter of 2024 increased 21% year-over-year, versus 13% reported last quarter, inline with our guidance for accelerating growth. Contribution
profit of $30.7 million for the first quarter of 2024 increased 107% year-over-year, for a margin of 33%. </p>
<p> In the first quarter of 2024, growth was driven by strong performance from new clients onboarded over the last three quarters, large bank deals signed in LatAm, and strong monetization of existing clients launching new
products on our platform. As noted previously, we continue to make significant strides in our strategy of leveraging our unique product suite to pursue diversified growth and larger, more durable revenue opportunities.
</p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0" colspan="12" rowspan="1">
<p class="bwcellpmargin">
<b>Technology Platform – Segment Results of Operations</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 501 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Noninterest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 93,865 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 77,887 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Total net revenue – Technology Platform</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 94,366 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 77,887 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Directly attributable expenses </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (63,624 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (63,030 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl6 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Contribution profit</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,742 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,857 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 107 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<p> Technology Platform total enabled client accounts increased 20% year-over-year, to 151.0 million up from 126.3 million in the year-prior period. </p>
<p> There is a robust pipeline of ongoing discussions with potential partners with large existing customer bases across both the U.S. and Latin America spanning both the financial services and non-financial services
segments. </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignt bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Technology Platform</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth10" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth10" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total accounts </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 151,049,375 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 126,326,916 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<p>
<b>Financial Services Segment Results</b>
</p>
<p> Financial Services segment net revenue increased 86% in the first quarter of 2024 to a record $150.6 million from the prior year period's total of $81.1 million, helped by 65% growth in segment interchange revenue and
106% growth in net interest income. Notably, the company exceeded $1.9 billion in point of sale debit transaction volume in the first quarter of 2024, representing an annualized run rate of nearly $8 billion. Strength in
the segment results was driven by new all-time high revenue for SoFi Money and lending as a service, as well as continued contributions from SoFi Invest and Credit Card. </p>
<p> The Financial Services segment posted a contribution profit of $37.2 million for the first quarter of 2024, reflecting a $61.4 million improvement over the comparable prior year quarter's $24.2 million loss, while
contribution margin grew 7 percentage points sequentially to 25%. This is a strong testament of our ability to scale new businesses from a significant investment phase to profitability via a continuous process of
optimizing unit economics and efficiently acquiring members and achieving cross buy. Monetization progress is underscored by annualized revenue per product of $59 for the first quarter of 2024, which grew 31%
year-over-year. At the same time, operating leverage is evident, as the segment generated $69.5 million in incremental revenue, with only $8.0 million in incremental directly attributable expenses year-over-year, driving
an 88.4% incremental contribution profit margin. </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0" colspan="12" rowspan="1">
<p class="bwcellpmargin">
<b>Financial Services – Segment Results of Operations</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadr0 bwpadb3 bwpadl6 bwalignc" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 119,713 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 58,037 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 106 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Noninterest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,838 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 23,064 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 34 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Total net revenue – Financial Services</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 150,551 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 81,101 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 86 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Directly attributable expenses </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (113,377 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (105,336 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl6 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Contribution profit (loss)</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 37,174 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (24,235 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> n/m </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<p> By continuously innovating with new and relevant offerings, features and rewards for members, SoFi grew total Financial Services products by nearly 3.0 million, or 42%, year-over-year, bringing the total to 10.1
million at quarter-end. In the first quarter of 2024, SoFi Money reached 3.9 million products, Relay reached 3.6 million and SoFi Invest reached 2.2 million products. </p>
<p> Most notably, SoFi Money offers an APY of up to 4.60% as of April 29, 2024, no minimum balance requirement nor balance limits, FDIC insurance through a network of participating banks of up to $2 million, a host of free
features and a unique rewards program. Total deposits grew 16% during the first quarter to $21.6 billion at quarter-end, with over 90% of SoFi Money deposits (inclusive of Checking and Savings and cash management
accounts) coming from direct deposit members. More than half of newly funded SoFi Money accounts were setting up direct deposit by day 30 in the first quarter of 2024. </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Financial Services – Products</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth10" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth10" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>% Change</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Money<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,880,021 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,413,013 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 61 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Invest </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,224,705 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,210,915 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Credit Card </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 254,617 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 193,236 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 32 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Referred loans<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 59,555 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 44,586 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 34 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Relay </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,613,686 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,205,931 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 64 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> At Work </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 92,389 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 70,560 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 31 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth67" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total financial services products </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,124,973 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwwidth10" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,138,241 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 42 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignb" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignr"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Includes checking and savings accounts held at SoFi Bank, and cash management accounts. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignb" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignr"> (2) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Limited to loans wherein we provide third party fulfillment services. </p>
</td>
</tr>
</tbody>
</table>
<p>
<b>Guidance and Outlook</b>
</p>
<p> 2024 remains a transitional year for SoFi as the Tech Platform and Financial Services segments together are expected to drive growth and increase from 38% of total adjusted net revenue in 2023 to approximately 50% for
the full year of 2024. For the full year 2024, management expects to deliver adjusted net revenue of $2.39 to $2.43 billion, which is $25 million higher than the implied prior guidance range of $2.365 to $2.405 billion.
This guidance assumes Lending revenue will be 92% to 95% of 2023 levels, which is unchanged from prior guidance, Tech Platform will grow approximately 20% year over year, which is also unchanged, and Financial Services
revenue is expected to grow more than 75% year over year. </p>
<p> Additionally, management now expects to deliver adjusted EBITDA of $590 to $600 million, above prior guidance of $580 to $590 million. This represents 15 to 17% adjusted net revenue growth and a 25% Adjusted EBITDA
margin. Management now expects full-year GAAP net income of $165 to $175 million, above prior guidance of $95 to $105 million, and GAAP EPS of $0.08 to $0.09, above prior guidance of $0.07 to $0.08. </p>
<p> Management now expects growth in tangible book value of approximately $800 million to $1 billion for the year versus previous guidance of $300 to $500 million, given the benefits of the recent convertible debt exchange
along with the effects of new convertible issuance. We now expect to end the year with a total capital ratio of over 16%, due to those transactions versus our previous guidance of 14%. We continue to expect to add at
least 2.3 million new members in 2024, which represents 30% growth. </p>
<p> For the second quarter of 2024, management expects to deliver adjusted net revenues of $555 to $565 million, adjusted EBITDA of $115 to $125 million and Net Income of $5 to $10 million. </p>
<p> Management will further address full-year guidance on the quarterly earnings conference call. Management has not reconciled forward-looking non-GAAP measures to their most directly comparable GAAP measures of total net
revenue, net income and gross margin. This is because the company cannot predict with reasonable certainty and without unreasonable efforts the ultimate outcome of certain GAAP components of such reconciliations due to
market-related assumptions that are not within our control as well as certain legal or advisory costs, tax costs or other costs that may arise. For these reasons, management is unable to assess the probable significance
of the unavailable information, which could materially impact the amount of the future directly comparable GAAP measures. </p>
<p>
<b>Earnings Webcast</b>
</p>
<p> SoFi’s executive management team will host a live audio webcast beginning at 8:00 a.m. Eastern Time (5:00 a.m. Pacific Time) today to discuss the quarter’s financial results and business highlights. All interested
parties are invited to listen to the live webcast at
<a href="https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Finvestors.sofi.com&esheet=53958905&newsitemid=20240429229505&lan=en-US&anchor=https%3A%2F%2Finvestors.sofi.com&index=1&md5=244209d3bb72ee80c8c566200efcc527" rel="nofollow" shape="rect">https://investors.sofi.com</a>.
A replay of the webcast will be available on the SoFi Investor Relations website for 30 days. Investor information, including supplemental financial information, is available on SoFi’s Investor Relations website at
<a href="https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Finvestors.sofi.com&esheet=53958905&newsitemid=20240429229505&lan=en-US&anchor=https%3A%2F%2Finvestors.sofi.com&index=2&md5=155fde34a37d127b3f41ae16fcf4a041" rel="nofollow" shape="rect">https://investors.sofi.com</a>.
</p>
<p>
<b>Cautionary Statement Regarding Forward-Looking Statements</b>
</p>
<p> Certain of the statements above are forward-looking and as such are not historical facts. This includes, without limitation, statements regarding our expectations for the second quarter of 2024 adjusted net revenue,
adjusted EBITDA, adjusted EBITDA margin and GAAP net income, our expectations regarding full year 2024 adjusted EBITDA, adjusted EBITDA margin, GAAP net income, and adjusted net revenue growth, our expectations regarding
our ability to continue to grow our business and launch new business lines and products, improve our financials and increase our member, product and total accounts count, our ability to achieve diversified growth and
larger, more durable revenue, our ability to navigate the macroeconomic environment and the financial position, business strategy and plans and objectives of management for our future operations. These forward-looking
statements are not guarantees of performance. Such statements can be identified by the fact that they do not relate strictly to historical or current facts. Words such as “achieve”, “continue”, “expect”, “growth”, “may”,
“plan”, “strategy”, “will be”, “will continue”, and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking. Factors that could
cause actual results to differ materially from those contemplated by these forward-looking statements include: (i) the effect of and our ability to respond and adapt to changing market and economic conditions, including
recessionary pressures, fluctuating inflation and interest rates, and volatility from global events; (ii) our ability to achieve and maintain profitability, operating efficiencies and continued growth across our three
businesses in the future, as well as our ability to continue to achieve GAAP net income profitability and expected GAAP net income margins; (iii) the impact on our business of the regulatory environment and complexities
with compliance related to such environment; (iv) our ability to realize the benefits of being a bank holding company and operating SoFi Bank, including continuing to grow high quality deposits and our rewards program
for members; (v) our ability to continue to drive brand awareness and realize the benefits or our integrated multi-media marketing and advertising campaigns; (vi) our ability to vertically integrate our businesses and
accelerate the pace of innovation of our financial products; (vii) our ability to manage our growth effectively and our expectations regarding the development and expansion of our business; (viii) our ability to access
sources of capital on acceptable terms or at all, including debt financing and other sources of capital to finance operations and growth; (ix) the success of our continued investments in our Financial Services segment
and in our business generally; (x) the success of our marketing efforts and our ability to expand our member base and increase our product adds; (xi) our ability to maintain our leadership position in certain categories
of our business and to grow market share in existing markets or any new markets we may enter; (xii) our ability to develop new products, features and functionality that are competitive and meet market needs; (xiii) our
ability to realize the benefits of our strategy, including what we refer to as our FSPL; (xiv) our ability to make accurate credit and pricing decisions or effectively forecast our loss rates; (xv) our ability to
establish and maintain an effective system of internal controls over financial reporting; (xvi) our ability to maintain the security and reliability of our products; and (xvii) the outcome of any legal or governmental
proceedings that may be instituted against us. The foregoing list of factors is not exhaustive. You should carefully consider the foregoing factors and the other risks and uncertainties set forth in the section titled
“Risk Factors” in our last quarterly report on Form 10-Q, as filed with the Securities and Exchange Commission, and those that are included in any of our future filings with the Securities and Exchange Commission,
including our annual report on Form 10-K, under the Exchange Act. These forward-looking statements are based on information available as of the date hereof and current expectations, forecasts and assumptions, and involve
a number of judgments, risks and uncertainties. Accordingly, forward-looking statements should not be relied upon as representing our views as of any subsequent date, and we do not undertake any obligation to update
forward-looking statements to reflect events or circumstances after the date they were made, whether as a result of new information, future events or otherwise, except as may be required under applicable securities laws.
</p>
<p> As a result of a number of known and unknown risks and uncertainties, our actual results or performance may be materially different from those expressed or implied by these forward-looking statements. You should not
place undue reliance on these forward-looking statements. </p>
<p>
<b>Non-GAAP Financial Measures</b>
</p>
<p> This press release presents information about our adjusted net revenue and adjusted EBITDA, which are non-GAAP financial measures provided as supplements to the results provided in accordance with accounting principles
generally accepted in the United States (GAAP). We use adjusted net revenue and adjusted EBITDA to evaluate our operating performance, formulate business plans, help better assess our overall liquidity position, and make
strategic decisions, including those relating to operating expenses and the allocation of internal resources. Accordingly, we believe that adjusted net revenue and adjusted EBITDA provide useful information to investors
and others in understanding and evaluating our operating results in the same manner as our management. These non-GAAP measures are presented for supplemental informational purposes only, have limitations as analytical
tools, and should not be considered in isolation from, or as a substitute for, the analysis of other GAAP financial measures, such as total net revenue and net income (loss). Other companies may not use these non-GAAP
measures or may use similar measures that are defined in a different manner. Therefore, SoFi's non-GAAP measures may not be directly comparable to similarly titled measures of other companies. Reconciliations of these
non-GAAP measures to the most directly comparable GAAP financial measures are provided in Table 2 to the “Financial Tables” herein. </p>
<p> Forward-looking non-GAAP financial measures are presented without reconciliations of such forward-looking non-GAAP measures because the GAAP financial measures are not accessible on a forward-looking basis and
reconciling information is not available without unreasonable effort due to the inherent difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliations, including adjustments
reflected in our reconciliation of historic non-GAAP financial measures, the amounts of which, based on historical experience, could be material. </p>
<p>
<b>About SoFi</b>
</p>
<p> SoFi (NASDAQ: SOFI) is a member-centric, one-stop shop for digital financial services on a mission to help people achieve financial independence to realize their ambitions. The company’s full suite of financial
products and services helps its more than 8.1 million SoFi members borrow, save, spend, invest, and protect their money better by giving them fast access to the tools they need to get their money right, all in one app.
SoFi also equips members with the resources they need to get ahead – like Credentialed Financial Planners (CFP<sup>®</sup>), exclusive experiences and events, and a thriving community – on their path to financial
independence. </p>
<p> SoFi innovates across three business segments: Lending, Financial Services – which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi Protect, and SoFi Insights – and Technology Platform, which
offers the only end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC and SoFi is a bank holding company
regulated by the Federal Reserve. The company is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams. For more information, visit
<a href="https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.sofi.com&esheet=53958905&newsitemid=20240429229505&lan=en-US&anchor=https%3A%2F%2Fwww.sofi.com&index=3&md5=70c723a2eb4b28d4b290d44d13e9672e" rel="nofollow" shape="rect">https://www.sofi.com</a>
or download our iOS and Android apps. </p>
<p>
<b>Availability of Other Information About SoFi</b>
</p>
<p> Investors and others should note that we communicate with our investors and the public using our website
(<a href="https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.sofi.com&esheet=53958905&newsitemid=20240429229505&lan=en-US&anchor=https%3A%2F%2Fwww.sofi.com&index=4&md5=2b4b478fc2d1de60f77d24bc2b5c614b" rel="nofollow" shape="rect">https://www.sofi.com</a>),
the investor relations website
(<a href="https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Finvestors.sofi.com&esheet=53958905&newsitemid=20240429229505&lan=en-US&anchor=https%3A%2F%2Finvestors.sofi.com&index=5&md5=1e8da21f61148de8f61a892fd796a7fe" rel="nofollow" shape="rect">https://investors.sofi.com</a>),
and on social media (Twitter and LinkedIn), including but not limited to investor presentations and investor fact sheets, Securities and Exchange Commission filings, press releases, public conference calls and webcasts.
The information that SoFi posts on these channels and websites could be deemed to be material information. As a result, SoFi encourages investors, the media, and others interested in SoFi to review the information that
is posted on these channels, including the investor relations website, on a regular basis. This list of channels may be updated from time to time on SoFi’s investor relations website and may include additional social
media channels. The contents of SoFi’s website or these channels, or any other website that may be accessed from its website or these channels, shall not be deemed incorporated by reference in any filing under the
Securities Act of 1933, as amended. </p>
<p> SOFI-F </p>
<p class="bwalignc">
<b>FINANCIAL TABLES
<br><br>
</b>
<b>(Unaudited)</b>
</p>
<p> 1. Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) </p>
<p> 2. Reconciliation of GAAP to Non-GAAP Financial Measures </p>
<p> 3. Condensed Consolidated Balance Sheets </p>
<p> 4. Average Balances and Net Interest Earnings Analysis </p>
<p> 5. Condensed Consolidated Cash Flow Data </p>
<p> 6. Company Metrics </p>
<p> 7. Segment Financials </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="8" rowspan="1">
<p class="bwalignr bwcellpmargin">
<b>Table 1</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0 bwalignc" colspan="8" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>SoFi Technologies, Inc.</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>Condensed Consolidated Statements of Operations and Comprehensive Income (Loss)</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>(Unaudited)</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>
<i>(In Thousands, Except for Share and Per Share Data)</i>
</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="8" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwpadl0 bwsinglebottom" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Interest income</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwalignr bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwalignr bwcellpmargin">
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Loans and securitizations </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 620,228 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 360,396 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Other </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 45,683 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 11,168 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total interest income </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 665,911 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 371,564 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Interest expense</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Securitizations and warehouses </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 40,921 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 54,324 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Deposits </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 211,451 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 73,116 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Corporate borrowings </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,711 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,000 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Other </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 110 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 114 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total interest expense </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 263,193 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 135,554 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 402,718 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 236,010 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Noninterest income</b>
</p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Loan origination, sales, and securitizations </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 57,000 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 123,334 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Servicing </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,974 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 12,742 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Technology products and solutions </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 85,672 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 72,801 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Other </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 92,631 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 27,271 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest income </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 242,277 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 236,148 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 644,995 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 472,158 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Noninterest expense</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Technology and product development </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 130,920 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 117,059 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Sales and marketing </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 167,366 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 175,154 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Cost of operations </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 100,061 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 83,908 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> General and administrative </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 145,240 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 123,689 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Provision for credit losses </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,182 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,407 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest expense </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 550,769 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 508,217 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Income (loss) before income taxes </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 94,226 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (36,059 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Income tax (expense) benefit </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (6,183 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,637 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net income (loss) </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 88,043 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (34,422 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Earnings (loss) per share</b>
</p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwalignr bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwalignr bwcellpmargin">
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Earnings (loss) per share – basic </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 0.08 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (0.05 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Earnings (loss) per share – diluted </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 0.02 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (0.05 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average common stock outstanding – basic </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 982,617,492 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 929,270,723 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average common stock outstanding – diluted </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,042,476,501 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 929,270,723 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="9" rowspan="1">
<p class="bwalignr bwcellpmargin">
<b>Table 2</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="9" rowspan="1">
<p class="bwcellpmargin">
<b>Non-GAAP Financial Measures</b>
</p>
<p class="bwcellpmargin">
<b>(Unaudited)</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="9" rowspan="1"></td>
</tr>
<tr>
<td class="bwpadl0" colspan="9" rowspan="1">
<p class="bwcellpmargin">
<b>
<i>Reconciliation of Adjusted Net Revenue</i>
</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="9" rowspan="1"></td>
</tr>
<tr>
<td class="bwpadl0" colspan="9" rowspan="1">
<p class="bwcellpmargin"> Adjusted net revenue is defined as total net revenue, adjusted to exclude the fair value changes in servicing rights and residual interests classified as debt due to valuation inputs and
assumptions changes, which relate only to our Lending segment, as well as gains and losses on extinguishment of debt. For our consolidated results and for the Lending segment, we reconcile adjusted net revenue to
total net revenue, the most directly comparable GAAP measure, as presented for the periods indicated below: </p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="9" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Total net revenue</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 644,995 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 472,158 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Servicing rights – change in valuation inputs or assumptions<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (5,226 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (12,084 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Residual interests classified as debt – change in valuation inputs or assumptions<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 73 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Gain on extinguishment of debt<sup>(3)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (59,194 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl6 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Adjusted net revenue</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 580,648 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 460,163 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Total net revenue – Lending</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 330,476 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 337,081 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Servicing rights – change in valuation inputs or assumptions<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (5,226 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (12,084 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Residual interests classified as debt – change in valuation inputs or assumptions<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 73 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl6 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Adjusted net revenue – Lending</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 325,323 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 325,086 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Reflects changes in fair value inputs and assumptions on servicing rights, including conditional prepayment, default rates and discount rates. These assumptions are highly
sensitive to market interest rate changes and are not indicative of our performance or results of operations. Moreover, these non-cash charges are unrealized during the period and, therefore, have no impact on
our cash flows from operations. As such, these positive and negative changes are adjusted out of total net revenue to provide management and financial users with better visibility into the net revenue available
to finance our operations and our overall performance. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (2) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Reflects changes in fair value inputs and assumptions on residual interests classified as debt, including conditional prepayment, default rates and discount rates. When third
parties finance our consolidated securitization VIEs by purchasing residual interests, we receive proceeds at the time of the closing of the securitization and, thereafter, pass along contractual cash flows to
the residual interest owner. These residual debt obligations are measured at fair value on a recurring basis, but they have no impact on our initial financing proceeds, our future obligations to the residual
interest owner (because future residual interest claims are limited to contractual securitization collateral cash flows), or the general operations of our business. As such, these positive and negative non-cash
changes in fair value attributable to assumption changes are adjusted out of total net revenue to provide management and financial users with better visibility into the net revenue available to finance our
operations. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (3) </p>
</td>
<td class="bwvertalignt bwalignl bwpadl0" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Reflects gain on extinguishment of debt. Gains and losses are recognized during the period of extinguishment for the difference between the net carrying amount of debt
extinguished and the fair value of equity securities issued. These non-cash charges are not indicative of our core operating performance, and as such are adjusted out of total net revenue to provide management
and financial users with better visibility into the net revenue available to finance our operations and our overall performance. </p>
</td>
</tr>
</tbody>
</table>
<p>
<b>
<i>Reconciliation of Adjusted EBITDA</i>
</b>
</p>
<p> Adjusted EBITDA is defined as net income (loss), adjusted to exclude, as applicable: (i) corporate borrowing-based interest expense (our adjusted EBITDA measure is not adjusted for warehouse or securitization-based
interest expense, nor deposit interest expense and finance lease liability interest expense, as these are direct operating expenses), (ii) income tax expense (benefit), (iii) depreciation and amortization, (iv)
share-based expense (inclusive of equity-based payments to non-employees), (v) restructuring charges, (vi) impairment expense (inclusive of goodwill impairment and property, equipment and software abandonments), (vii)
transaction-related expenses, (viii) foreign currency impacts related to operations in highly inflationary countries, (ix) fair value changes in warrant liabilities, (x) fair value changes in each of servicing rights and
residual interests classified as debt due to valuation assumptions, (xi) gain on extinguishment of debt, and (xii) other charges, as appropriate, that are not expected to recur and are not indicative of our core
operating performance. We reconcile adjusted EBITDA to net income (loss), the most directly comparable GAAP measure, for the periods indicated below: </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Net income (loss)</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 88,043 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (34,422 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Non-GAAP adjustments: </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Interest expense – corporate borrowings<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,711 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,000 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Income tax expense (benefit)<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,183 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,637 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Depreciation and amortization<sup>(3)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 48,539 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 45,321 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Share-based expense </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 55,082 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 64,226 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Restructuring charges<sup>(4)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,953 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Impairment expense<sup>(5)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,243 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Foreign currency impact of highly inflationary subsidiaries<sup>(6)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 174 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Servicing rights – change in valuation inputs or assumptions<sup>(7)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (5,226 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (12,084 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Residual interests classified as debt – change in valuation inputs or assumptions<sup>(8)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 73 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Gain on extinguishment of debt<sup>(9)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (59,194 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl6 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total adjustments </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 56,342 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 110,111 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl6 bwwidth78" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Adjusted EBITDA</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 144,385 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 75,689 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwalignl bwcellpmargin"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Our adjusted EBITDA measure adjusts for corporate borrowing-based interest expense, as these expenses are a function of our capital structure. Corporate borrowing-based interest
expense includes interest on our revolving credit facility, as well as interest expense and the amortization of debt discount and debt issuance costs on our convertible notes. Revolving credit facility interest
expense in the 2024 period increased due to higher interest rates relative to the prior year periods on identical outstanding debt. Convertible note interest expense in the 2024 period increased related to the
issuance of interest-bearing convertible senior notes during the period. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (2) </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwalignl bwcellpmargin"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Our income tax positions in both the 2024 and 2023 periods were impacted by income tax expenses associated with the profitability of SoFi Bank in state jurisdictions where
separate filings are required, as well as federal taxes where our tax credits and loss carryforwards may be limited. Our income tax benefit position in the 2023 period was primarily attributable to income tax
benefits from foreign losses in jurisdictions with net deferred tax liabilities related to Technisys. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (3) </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwalignl bwcellpmargin"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Depreciation and amortization expense for the 2024 period increased compared to the 2023 period primarily in connection with growth in our internally-developed software balance.
</p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (4) </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwalignl bwcellpmargin"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Restructuring charges in the 2023 period primarily included employee-related wages, benefits and severance associated with a reduction in headcount in our Technology Platform
segment, which do not reflect expected future operating expenses and are not indicative of our core operating performance. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (5) </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwalignl bwcellpmargin"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Impairment expense in the 2023 period relates to a sublease arrangement, which is not indicative of our core operating performance. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (6) </p>
</td>
<td class="bwvertalignt bwpadl0" colspan="1" rowspan="1"></td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Foreign currency charges reflect the impacts of highly inflationary accounting for our operations in Argentina, which are related to our Technology Platform segment and commenced
in the first quarter of 2022 with the Technisys Merger. For the year ended December 31, 2023, all amounts were reflected in the fourth quarter, as inter-quarter amounts were determined to be immaterial. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (7) </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwalignl bwcellpmargin"> </p>
</td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Reflects changes in fair value inputs and assumptions, including market servicing costs, conditional prepayment, default rates and discount rates. This non-cash change is
unrealized during the period and, therefore, has no impact on our cash flows from operations. As such, these positive and negative changes in fair value attributable to assumption changes are adjusted out of net
loss to provide management and financial users with better visibility into the earnings available to finance our operations. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (8) </p>
</td>
<td class="bwvertalignt bwpadl0" colspan="1" rowspan="1"></td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Reflects changes in fair value inputs and assumptions, including conditional prepayment, default rates and discount rates. When third parties finance our consolidated VIEs through
purchasing residual interests, we receive proceeds at the time of the securitization close and, thereafter, pass along contractual cash flows to the residual interest owner. These obligations are measured at fair
value on a recurring basis, which has no impact on our initial financing proceeds, our future obligations to the residual interest owner (because future residual interest claims are limited to contractual
securitization collateral cash flows), or the general operations of our business. As such, these positive and negative non-cash changes in fair value attributable to assumption changes are adjusted out of net
loss to provide management and financial users with better visibility into the earnings available to finance our operations. </p>
</td>
</tr>
<tr>
<td class="bwpadl0 bwalignl bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (9) </p>
</td>
<td class="bwvertalignt bwpadl0" colspan="1" rowspan="1"></td>
<td class="bwpadl0 bwalignl bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Reflects gain on extinguishment of debt. Gains and losses are recognized during the period of extinguishment for the difference between the net carrying amount of debt
extinguished and the fair value of equity securities issued. These non-cash charges are not indicative of our core operating performance, and as such are adjusted out of total net revenue to provide management
and financial users with better visibility into the net revenue available to finance our operations and our overall performance. </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="8" rowspan="1">
<p class="bwcellpmargin bwalignr">
<b>Table 3</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0 bwalignc" colspan="8" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>SoFi Technologies, Inc.</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>Condensed Consolidated Balance Sheets</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>(Unaudited)</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>
<i>(In Thousands, Except for Share Data)</i>
</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="8" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,
</b>
<br><br>
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,
<br><br>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Assets</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin">
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Cash and cash equivalents </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,693,390 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,085,020 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Restricted cash and restricted cash equivalents </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 454,518 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 530,558 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Investment securities (includes available-for-sale securities of $838,506 and $595,187 at fair value with associated amortized cost of $839,936 and $596,757, as of March 31, 2024 and
December 31, 2023, respectively) </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 973,098 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 701,935 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Loans held for sale, at fair value </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 15,116,482 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 15,396,771 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Loans held for investment, at fair value </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,834,161 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,725,484 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Loans held for investment, at amortized cost (less allowance for credit losses of $51,313 and $54,695, as of March 31, 2024 and December 31, 2023, respectively) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,250,231 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 836,159 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Servicing rights </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 240,752 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 180,469 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Property, equipment and software </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 228,049 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 216,908 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Goodwill </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,393,505 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,393,505 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Intangible assets </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 347,495 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 364,048 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Operating lease right-of-use assets </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 87,362 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89,635 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Other assets (less allowance for credit losses of $2,109 and $1,837, as of March 31, 2024 and December 31, 2023, respectively) </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 686,717 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 554,366 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl9 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total assets </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 31,305,760 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,074,858 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Liabilities, temporary equity and permanent equity</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Liabilities: </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Deposits: </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl6 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Interest-bearing deposits </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21,550,137 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 18,568,993 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl6 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Noninterest-bearing deposits </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 54,457 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 51,670 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total deposits </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21,604,594 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 18,620,663 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Accounts payable, accruals and other liabilities </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 554,185 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 549,748 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Operating lease liabilities </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 105,556 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 108,649 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Debt </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,891,317 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,233,416 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Residual interests classified as debt </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,129 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,396 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl9 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total liabilities </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 25,159,781 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 24,519,872 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Commitments, guarantees, concentrations and contingencies </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Temporary equity: </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Redeemable preferred stock, $0.00 par value: 100,000,000 and 100,000,000 shares authorized; 3,234,000 and 3,234,000 shares issued and outstanding as of March 31, 2024 and December 31,
2023, respectively </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 320,374 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 320,374 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Permanent equity: </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Common stock, $0.00 par value: 3,100,000,000 and 3,100,000,000 shares authorized; 1,056,491,365 and 975,861,793 shares issued and outstanding as of March 31, 2024 and December 31, 2023,
respectively </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 105 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 97 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Additional paid-in capital </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,543,808 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,039,987 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Accumulated other comprehensive loss </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (2,088 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,209 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Accumulated deficit </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,716,220 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,804,263 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl9 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total permanent equity </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,825,605 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,234,612 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl9 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total liabilities, temporary equity and permanent equity </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 31,305,760 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,074,858 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="19" rowspan="1">
<p class="bwcellpmargin bwalignr">
<b>Table 4</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0 bwalignc" colspan="19" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>SoFi Technologies, Inc.</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>Average Balances and Net Interest Earnings Analysis</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>(Unaudited)</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="19" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwsinglebottom" colspan="8" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31, 2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="8" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31, 2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Average Balances</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Interest Income/Expense</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Average Yield/Rate</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Average Balances</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Interest Income/Expense</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Average Yield/Rate</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Assets</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Interest-earning assets: </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Interest-bearing deposits with banks </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,120,567 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 37,268 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.80 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,786,522 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,369 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1.87 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Investment securities </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 767,789 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,202 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.34 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 437,717 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,739 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.24 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Loans </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 23,540,252 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 618,441 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10.57 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 15,015,721 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwsinglebottom bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 357,342 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 9.52 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total interest-earning assets </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 27,428,608 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 665,911 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 9.76 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 17,239,960 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 371,450 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8.62 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest-earning assets </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,006,934 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,072,248 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total assets </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,435,542 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20,312,208 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Liabilities, Temporary Equity and Permanent Equity</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Interest-bearing liabilities: </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Demand deposits </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,528,655 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 11,398 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1.81 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,927,612 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 12,852 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2.67 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Savings deposits </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,317,371 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 162,445 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.56 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,471,347 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 48,160 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.52 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Time deposits </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,974,750 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 37,608 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.08 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,193,181 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 12,104 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.06 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl9 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total interest-bearing deposits </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 19,820,776 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 211,451 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.29 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,592,140 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 73,116 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.40 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Warehouse facilities </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,141,601 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 34,860 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6.55 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,904,509 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 40,176 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.53 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Securitization debt </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 333,957 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,658 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.40 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 874,369 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,426 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.77 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Other debt </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,751,789 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 13,224 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.04 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,646,367 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 11,581 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2.81 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl6 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total debt </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,227,347 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 51,742 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.92 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,425,245 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 62,183 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.58 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Residual interests classified as debt </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,004 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 16,301 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 141 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.46 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total interest-bearing liabilities </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 24,053,127 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 263,193 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4.40 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,033,686 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 135,440 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.86 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest-bearing liabilities </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 718,828 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 704,071 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total liabilities </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 24,771,955 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,737,757 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total temporary equity </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 320,374 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 320,374 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total permanent equity </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,343,213 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,254,077 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total liabilities, temporary equity and permanent equity </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,435,542 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20,312,208 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 402,718 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 236,010 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth34" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest margin </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.91 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth9" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5.48 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> % </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="8" rowspan="1">
<p class="bwcellpmargin bwalignr">
<b>Table 5</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0 bwalignc" colspan="8" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>SoFi Technologies, Inc.</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>Condensed Consolidated Cash Flow Data</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>(Unaudited)</b>
</p>
<p class="bwcellpmargin bwalignc">
<b>
<i>(In Thousands)</i>
</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="8" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="7" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Three Months Ended March 31,</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin">
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignc" colspan="3" rowspan="1">
<p class="bwcellpmargin bwalignc">
<b>2023</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net cash provided by (used in) operating activities </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 738,248 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (2,212,760 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net cash used in investing activities </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,261,184 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (40,153 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net cash provided by financing activities </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,055,445 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,384,418 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Effect of exchange rates on cash and cash equivalents </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (179 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (293 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net increase in cash, cash equivalents, restricted cash and restricted cash equivalents </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 532,330 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,131,212 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,615,578 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,846,302 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth79" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,147,908 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 2,977,514 </p>
</td>
<td class="bwvertalignb bwdoublebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb4 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="18" rowspan="1">
<p class="bwcellpmargin bwalignr">
<b>Table 6</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="18" rowspan="1">
<p class="bwcellpmargin">
<b>Company Metrics</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="18" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth20" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,
</b>
<br><br>
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,
</b>
<br><br>
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>September 30,
</b>
<br><br>
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>June 30,
</b>
<br><br>
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,
</b>
<br><br>
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,
</b>
<br><br>
<b>2022</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>September 30,
</b>
<br><br>
<b>2022</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>June 30,
</b>
<br><br>
<b>2022</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,
</b>
<br><br>
<b>2022</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth20" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Members </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,131,720 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,541,860 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,957,187 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,240,091 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,655,711 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,222,533 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,742,673 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,318,705 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,868,334 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth20" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total Products </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 11,830,128 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 11,142,476 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,447,806 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 9,401,025 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,554,363 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,894,636 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,199,298 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,564,174 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,862,137 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth20" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total Products — Lending segment </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,705,155 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,663,006 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,593,906 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,503,892 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,416,122 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,340,597 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,280,493 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,202,027 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,138,566 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth20" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total Products — Financial Services segment </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 10,124,973 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 9,479,470 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,853,900 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,897,133 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 7,138,241 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 6,554,039 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,918,805 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,362,147 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,723,571 </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth20" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total Accounts — Technology Platform segment </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 151,049,375 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 145,425,391 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 136,739,131 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 129,356,203 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 126,326,916 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 130,704,351 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 124,332,810 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 116,570,038 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwwidth8" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 109,687,014 </p>
</td>
</tr>
</tbody>
</table>
<p>
<b>
<i>Members</i>
</b>
</p>
<p> We refer to our customers as “members”. We define a member as someone who has a lending relationship with us through origination and/or ongoing servicing, opened a financial services account, linked an external account
to our platform, or signed up for our credit score monitoring service. Our members have continuous access to our CFPs, our member events, our content, educational material, news, and our tools and calculators, which are
provided at no cost to the member. We view members as an indication not only of the size and a measurement of growth of our business, but also as a measure of the significant value of the data we have collected over
time. </p>
<p> Once someone becomes a member, they are always considered a member unless they are removed in accordance with our terms of service, in which case, we adjust our total number of members. This could occur for a variety
of reasons—including fraud or pursuant to certain legal processes—and, as our terms of service evolve together with our business practices, product offerings and applicable regulations, our grounds for removing members
from our total member count could change. The determination that a member should be removed in accordance with our terms of service is subject to an evaluation process, following the completion, and based on the results,
of which, relevant members and their associated products are removed from our total member count in the period in which such evaluation process concludes. However, depending on the length of the evaluation process, that
removal may not take place in the same period in which the member was added to our member count or the same period in which the circumstances leading to their removal occurred. For this reason, our total member count may
not yet reflect adjustments that may be made once ongoing evaluation processes, if any, conclude. Beginning in the first quarter of 2024, we aligned our methodology for calculating member and product metrics with our
member and product definitions to include co-borrowers, co-signers, and joint- and co-account holders, as applicable. Quarterly amounts for prior periods were determined to be immaterial and were not recast. </p>
<p>
<b>
<i>Total Products</i>
</b>
</p>
<p> Total products refers to the aggregate number of lending and financial services products that our members have selected on our platform since our inception through the reporting date, whether or not the members are
still registered for such products. Total products is a primary indicator of the size and reach of our Lending and Financial Services segments. Management relies on total products metrics to understand the effectiveness
of our member acquisition efforts and to gauge the propensity for members to use more than one product. </p>
<p> In our Lending segment, total products refers to the number of personal loans, student loans and home loans that have been originated through our platform through the reporting date, whether or not such loans have been
paid off. If a member has multiple loan products of the same loan product type, such as two personal loans, that is counted as a single product. However, if a member has multiple loan products across loan product types,
such as one personal loan and one home loan, that is counted as two products. The account of a co-borrower or co-signer is not considered a separate lending product. </p>
<p> In our Financial Services segment, total products refers to the number of SoFi Money accounts (inclusive of checking and savings accounts held at SoFi Bank and cash management accounts), SoFi Invest accounts, SoFi
Credit Card accounts (including accounts with a zero dollar balance at the reporting date), referred loans (which are originated by the Company or a third-party partner to which we provide pre-qualified borrower
referrals), SoFi At Work accounts and SoFi Relay accounts (with either credit score monitoring enabled or external linked accounts) that have been opened through our platform through the reporting date. Checking and
savings accounts are considered one account within our total products metric. Our SoFi Invest service is composed of two products: active investing accounts and robo-advisory accounts. Our members can select any one or
combination of the types of SoFi Invest products. If a member has multiple SoFi Invest products of the same account type, such as two active investing accounts, that is counted as a single product. However, if a member
has multiple SoFi Invest products across account types, such as one active investing account and one robo-advisory account, those separate account types are considered separate products. The account of a joint- or
co-account holder is considered a separate financial services product. In the event a member is removed in accordance with our terms of service, as discussed under <i>“Members”</i> above, the member’s associated products
are also removed. </p>
<p>
<b>
<i>Technology Platform Total Accounts</i>
</b>
</p>
<p> In our Technology Platform segment, total accounts refers to the number of open accounts at Galileo as of the reporting date. We include intercompany accounts on the Galileo platform-as-a-service in our total accounts
metric to better align with the Technology Platform segment revenue which includes intercompany revenue. Intercompany revenue is eliminated in consolidation. Total accounts is a primary indicator of the accounts
dependent upon our technology platform to use virtual card products, virtual wallets, make peer-to-peer and bank-to-bank transfers, receive early paychecks, separate savings from spending balances, make debit
transactions and rely upon real-time authorizations, all of which result in revenues for the Technology Platform segment. We do not measure total accounts for the Technisys products and solutions, as the revenue model is
not primarily dependent upon being a fully integrated, stand-ready service. </p>
<table cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tbody>
<tr>
<td class="bwpadl0 bwalignr" colspan="35" rowspan="1">
<p class="bwcellpmargin bwalignr">
<b>Table 7</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="35" rowspan="1">
<p class="bwcellpmargin">
<b>Segment Financials</b>
</p>
<p class="bwcellpmargin">
<b>(Unaudited)</b>
</p>
</td>
</tr>
<tr>
<td class="bwpadl0" colspan="35" rowspan="1"></td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b></b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwsinglebottom" colspan="33" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>Quarter Ended</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>($ in thousands)</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2024</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="2" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>September 30,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>June 30,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2023</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>December 31,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2022</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>September 30,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2022</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>June 30,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2022</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0" colspan="3" rowspan="1">
<p class="bwalignc bwcellpmargin">
<b>March 31,</b>
</p>
<p class="bwalignc bwcellpmargin">
<b>2022</b>
</p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Lending</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 266,536 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 262,626 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 265,215 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 231,885 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 201,047 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 183,607 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 139,516 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 114,003 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 94,354 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 63,940 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 90,500 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 83,758 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 99,556 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 136,034 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 144,584 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 162,178 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 143,114 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 158,635 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 330,476 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 353,126 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 348,973 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 331,441 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 337,081 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 328,191 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 301,694 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 257,117 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 252,989 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Adjusted net revenue<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 325,323 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 346,541 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 342,481 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 322,238 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 325,086 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 314,930 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 296,965 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 250,681 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 244,372 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Contribution profit<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 207,719 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 226,110 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 203,956 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 183,309 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 209,898 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 208,799 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 180,562 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 141,991 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 132,651 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Technology Platform</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 501 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 941 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 573 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> — </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 93,865 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 95,966 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89,350 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 87,623 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 77,887 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 85,652 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 84,777 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 83,899 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 60,805 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 94,366 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 96,907 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 89,923 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 87,623 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 77,887 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 85,652 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 84,777 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 83,899 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 60,805 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Contribution profit </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,742 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,584 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 32,191 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 17,154 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 14,857 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 16,881 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 19,536 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 21,841 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 18,255 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Financial Services</b>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 119,713 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 109,072 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 93,101 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 74,637 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 58,037 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 45,609 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 28,158 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 12,925 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,882 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,838 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,043 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 25,146 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 23,415 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 23,064 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 19,208 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20,795 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 17,438 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 17,661 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl3 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 150,551 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 139,115 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 118,247 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 98,052 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 81,101 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 64,817 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 48,953 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 30,363 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 23,543 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Contribution profit (loss)<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 37,174 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 25,060 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,260 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (4,347 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (24,235 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (43,588 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (52,623 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (53,700 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (49,515 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Corporate/Other</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income (expense) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 15,968 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 17,002 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (13,926 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (15,396 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (23,074 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (20,632 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (9,824 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (4,199 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (5,303 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest income (loss) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 53,634 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 9,254 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (6,008 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (3,702 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (837 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,349 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,615 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (4,653 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (1,690 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue (loss)<sup>(2)</sup>
</p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 69,602 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 26,256 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (19,934 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (19,098 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (23,911 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (21,981 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (11,439 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (8,852 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (6,993 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin">
<b>Consolidated</b>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="2" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net interest income </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 402,718 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 389,641 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 344,963 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 291,126 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 236,010 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 208,584 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 157,850 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 122,729 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> $ </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 94,933 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total noninterest income </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 242,277 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 225,763 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 192,246 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 206,892 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 236,148 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 248,095 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 266,135 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 239,798 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 235,411 </p>
</td>
<td class="bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl3 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total net revenue </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 644,995 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 615,404 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 537,209 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 498,018 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 472,158 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 456,679 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 423,985 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 362,527 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 330,344 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Adjusted net revenue<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 580,648 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 594,245 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 530,717 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 488,815 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 460,163 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 443,418 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 419,256 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 356,091 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 321,727 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Net income (loss) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 88,043 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 47,913 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (266,684 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (47,549 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (34,422 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (40,006 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (74,209 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (95,835 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> (110,357 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> ) </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Adjusted EBITDA<sup>(1)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 144,385 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 181,204 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 98,025 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 76,819 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 75,689 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 70,060 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 44,298 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 20,304 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 8,684 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Total permanent equity </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,825,605 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,234,612 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,053,388 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,257,661 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,234,072 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,208,102 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,181,003 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,186,180 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 5,210,299 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Tangible book value (as of period end)<sup>(3)</sup>
</p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 4,084,605 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,477,059 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,272,576 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,204,883 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,191,201 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,142,956 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,101,281 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,079,681 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3,089,079 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Weighted average common stock outstanding – diluted </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,042,476,501 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 1,029,303,297 </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 951,183,107 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 936,569,420 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 929,270,723 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 922,936,519 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 916,762,973 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 910,046,750 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 852,853,596 </p>
</td>
<td class="bwvertalignb bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
<tr>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth21" colspan="1" rowspan="1">
<p class="bwcellpmargin"> Tangible book value per common share </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.92 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.38 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.44 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.42 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.43 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.41 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.38 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.38 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth6" colspan="1" rowspan="1">
<p class="bwalignr bwcellpmargin"> 3.62 </p>
</td>
<td class="bwvertalignb bwrowaltcolor0 bwpadl0 bwpadr0 bwalignr bwwidth1" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> </p>
</td>
</tr>
</tbody>
</table>
<table cellspacing="0" class="bwtablemarginb bwblockalignl">
<tbody>
<tr>
<td class="bwpadl0" colspan="3" rowspan="1">
<p class="bwcellpmargin"> ___________________ </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (1) </p>
</td>
<td class="bwvertalignt bwpadl0" colspan="1" rowspan="1"></td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Adjusted net revenue and adjusted EBITDA are non-GAAP financial measures. For additional information on these measures and reconciliations to the most directly comparable GAAP
measures, see “Non-GAAP Financial Measures” and Table 2 to the “Financial Tables” herein. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (2) </p>
</td>
<td class="bwvertalignt bwpadl0" colspan="1" rowspan="1"></td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Technology Platform segment total net revenue includes intercompany fees. The equal and offsetting intercompany expenses are reflected within all three segments’ directly
attributable expenses, as well as within expenses not allocated to segments. The intercompany revenues and expenses are eliminated in consolidation. The revenues are eliminated within Corporate/Other and the
expenses represent a reconciling item of segment contribution profit (loss) to consolidated income (loss) before income taxes. </p>
</td>
</tr>
<tr>
<td class="bwalignl bwpadl0 bwpadr0 bwvertalignt" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> (3) </p>
</td>
<td class="bwvertalignt bwpadl0" colspan="1" rowspan="1"></td>
<td class="bwvertalignt bwpadl0 bwalignl" colspan="1" rowspan="1">
<p class="bwcellpmargin bwalignl"> Tangible book value is defined as permanent equity, adjusted to exclude goodwill and intangible assets. Tangible book value per share is defined as tangible book value, divided by
diluted weighted average common stock outstanding. </p>
</td>
</tr>
</tbody>
</table>
<p> </p>
<p>
<img alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&sty=20240429229505r1&sid=q4-prod&distro=nx&lang=en" style="width:0;height:0">
<span class="bwct31415"></span>
</p>
<div class="bw-contact-info-wrapper">
<p>
<b>Investors:
</b>
<br><br>SoFi Investor Relations <br><br>
<a href="mailto:IR@sofi.com" rel="nofollow" shape="rect">IR@sofi.com</a>
</p>
<p>
<b>Media:
</b>
<br><br>SoFi Media Relations <br><br>
<a href="mailto:PR@sofi.com" rel="nofollow" shape="rect">PR@sofi.com</a>
</p>
</div> <span class="bw-source-text-wrapper">Source: SoFi Technologies, Inc.</span>
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Read More of NASDAQ: SOFI stock information
NASDAQ: SOFI7.04-0.82 ( -10.48% )Vol: 144,405,331Pricing delayed by 20 minutes.
Last Updated 04/29/2024 3:59 PM
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SOFI TECHNOLOGIES REPORTS Q1 2024 NET REVENUE OF $645 MILLION AND NET INCOME OF
$88 MILLION, MARKING SECOND CONSECUTIVE QUARTER OF GAAP PROFITABILITY
April 29, 2024
Download (opens in new window)
54% Combined Revenue Growth in Tech Platform and Financial Services Segments
Drove 26% Growth in Total Adjusted Net Revenue
Management Raises FY 24 Guidance
SAN FRANCISCO--(BUSINESS WIRE)-- SoFi Technologies, Inc. (NASDAQ: SOFI), a
member-centric, one-stop shop for digital financial services that helps members
borrow, save, spend, invest and protect their money, reported financial results
today for its first quarter ended March 31, 2024.
(Graphic: Business Wire)
Anthony Noto, CEO of SoFi Technologies, Inc. commented: “Our first quarter was
an exceptionally strong start to 2024, demonstrating significant momentum as we
responsibly grow revenue and diversify toward our Financial Services and Tech
Platform segments, sustain profitability, reinforce our balance sheet, and grow
our member base. We delivered adjusted net revenue of $581 million, representing
26% year-over-year growth. Financial Services and Tech Platform segment revenue
combined grew 54% and represented a record 42% of consolidated adjusted net
revenue, offsetting flat Lending segment revenue given a more conservative
approach in light of macroeconomic uncertainty.”
“We delivered adjusted EBITDA of $144 million, a 25% margin, representing 91%
year-over-year growth. This equates to a 57% incremental adjusted EBITDA margin,
with all three segments profitable on a contribution basis. At the same time, we
further strengthened our balance sheet growing tangible book value by $608
million, ending the quarter at $4.1 billion and $3.92 of tangible book value per
share up 16% sequentially."
Consolidated Results Summary
Three Months Ended March 31,
% Change
($ in thousands, except per share amounts)
2024
2023
Consolidated – GAAP
Total net revenue
$
644,995
$
472,158
37
%
Net income (loss)
88,043
(34,422
)
n/m
Net income (loss) attributable to common stockholders – basic
77,964
(44,390
)
n/m
Net income (loss) attributable to common stockholders – diluted(1)
22,523
(44,390
)
n/m
Earnings (loss) per share attributable to common stockholders – basic
0.08
(0.05
)
n/m
Earnings (loss) per share attributable to common stockholders – diluted(1)
0.02
(0.05
)
n/m
Consolidated – Non-GAAP
Adjusted net revenue(2)
$
580,648
$
460,163
26
%
Adjusted EBITDA(2)
144,385
75,689
91
%
Tangible book value (as of period end)(3)
4,084,605
3,191,201
28
%
Tangible book value per common share(3)
3.92
3.43
14
%
___________________
(1)
For the three months ended March 31, 2024, diluted earnings per share of $0.02
and diluted net income attributable to common stockholders of $22,523 exclude
gain on extinguishment of debt, net of tax, associated with convertible note
activity during the period, as well as interest expense incurred, net of tax,
related to convertible notes due 2026.
(2)
Adjusted net revenue and adjusted EBITDA are non-GAAP financial measures. For
more information and reconciliations to the most comparable GAAP measures, see
“Non-GAAP Financial Measures” and Table 2 to the “Financial Tables” herein.
(3)
Tangible book value is defined as permanent equity, adjusted to exclude goodwill
and intangible assets. Tangible book value per share is defined as tangible book
value, divided by diluted weighted average common stock outstanding. Refer to
Table 7 to the “Financial Tables” herein.
Noto continued: “We opportunistically executed two key transactions in the
quarter. First, we issued $862.5 million of convertible notes due in 2029 at a
1.25% coupon to reduce overall financing costs. Second, we exchanged $600.0
million principal of our convertible notes due in 2026 for shares of SoFi common
stock at a notable discount to par, which further strengthened our balance sheet
for long-term growth. These transactions reduce upcoming maturities, have
minimal impact on a fully diluted EPS basis for 2024 and are accretive to
tangible book value and tangible book value per share. In terms of our
regulatory capital ratios, our total capital ratio of 17.3% improved by 200 bps
from 15.3% last quarter and remains comfortably above the regulatory minimum of
10.5%.
“Total deposits grew by a record of $3.0 billion, up 16% during the first
quarter to $21.6 billion at quarter-end, with over 90% of SoFi Money deposits
(inclusive of Checking and Savings and cash management accounts) coming from
direct deposit members. For new direct deposit accounts opened in the first
quarter of 2024, the median FICO score was 744, with more than half of newly
funded SoFi Money accounts setting up direct deposit by day 30. This account
primacy boosted debit spend by more than threefold year-over-year to over $1.9
billion. Importantly, and as anticipated, we continue to benefit from continued
strong cross-buy trends from this attractive member base into Lending and other
Financial Services products.
“This growth in high quality deposits drives lower cost of funding for our loans
and increases our flexibility to capture additional net interest margin (NIM)
and optimize returns, a critical advantage in light of notable macroeconomic
uncertainty. We saw year-over-year expansion in our net interest margin to 5.91%
in the quarter. SoFi Bank, N.A. generated $100 million of GAAP net income at a
21% margin in the first quarter of 2024, and an annualized return on tangible
equity of 11.7%."
Noto concluded: “Tech Platform revenue growth accelerated to 21% year-over-year,
while contribution margins rose from 19% to 33% as our consistent product
development and successful shift in sales strategy has enabled us to diversify
growth and pursue larger, more durable revenue opportunities.
“In Lending, a record 82% of the segment’s adjusted net revenue was derived from
Net Interest Income, compared to 76% last quarter and 62% in the year-ago
quarter. This is a direct benefit of the strong performance of our balance sheet
assets. In fact, the percent of adjusted Lending revenue from Net Interest
Income has more than doubled since we launched SoFi Bank two years ago.”
Consolidated Results
SoFi reported a number of key financial achievements in the first quarter of
2024, including total GAAP net revenue of $645.0 million, which increased 37%
relative to the prior-year period's $472.2 million. First quarter adjusted net
revenue of $580.6 million grew 26% from the corresponding prior-year period of
$460.2 million. First quarter adjusted EBITDA of $144.4 million increased 91%
from the same prior year period's $75.7 million.
SoFi reported its second consecutive quarter of GAAP net income, achieving $88.0
million in the first quarter of 2024, which includes a $59.2 million one-time
benefit from exchanging convertible debt in the quarter. This compares to a loss
of $34.4 million in the first quarter of 2023. Diluted earnings per share for
the first quarter was $0.02, which did not include a benefit from the
convertible debt exchange in the quarter.
Net interest income of $402.7 million for the first quarter was up 71% and up 3%
sequentially. Net interest margin of 5.91% was up from 5.48% in the prior-year
quarter.
The average rate on interest-earning assets decreased by 20 basis points
sequentially and increased 114 basis points versus the prior-year period, while
the average rate on interest-bearing liabilities decreased 13 basis points
sequentially and increased 54 basis points year-over-year. The funding of loans
continued to shift toward deposits. In the first quarter of 2024, the average
rate on deposits was 226 basis points lower than that of warehouse facilities.
Member and Product Growth
Continued growth of over 35% in both total members and products, along with
improving operating efficiency, reflects the benefits of our broad product suite
and unique Financial Services Productivity Loop (FSPL) strategy.
New member additions were nearly 622,000 in the quarter, and total members
reached over 8.1 million by quarter-end, up nearly 2.5 million, or 44%, from the
prior year period.
Product additions were over 989,000 in the first quarter of 2024, and total
products were over 11.8 million at quarter-end, up 38% from 8.6 million at the
same prior year period.
In the Financial Services segment, total products increased by 42%
year-over-year, to 10.1 million from 7.1 million in the first quarter of 2023.
SoFi Money (inclusive of Checking and Savings and cash management accounts) grew
61% year-over-year to 3.9 million products, SoFi Relay grew 64% year-over-year
to 3.6 million products and SoFi Invest grew 1% year-over-year to 2.2 million
products, but when adjusted to exclude the accounts of our now closed digital
assets business, total products increased 24% year-over-year.
Lending products increased 20% year-over-year to 1.7 million products, driven
primarily by continued demand for personal loan products as well as steady
growth in student loan products.
Technology Platform enabled accounts increased by 20% year-over-year to 151
million.
Lending Segment Results
For the first quarter of 2024, Lending segment GAAP net revenue of $330.5
million decreased 2% from the prior year period, while adjusted net revenue for
the segment remained flat year-over-year at $325.3 million. Higher loan balances
and net interest margin expansion drove strong growth in net interest income of
$65.5 million, or 33% year-over-year, for the first quarter of 2024. Net
interest income of $266.5 million significantly exceeded directly attributable
segment expenses of $117.6 million for the first quarter of 2024.
Lending segment first quarter of 2024 contribution profit was $207.7 million,
down 1% from $209.9 million in the same prior-year period. Contribution margin
using Lending adjusted net revenue for the first quarter of 2024 decreased to
64% from 65% in the same prior-year period. These strong margins reflect SoFi’s
ability to capitalize on continued strong demand for its lending products.
Lending – Segment Results of Operations
Three Months Ended March 31,
($ in thousands)
2024
2023
% Change
Net interest income
$
266,536
$
201,047
33
%
Noninterest income
63,940
136,034
(53
)%
Total net revenue – Lending
330,476
337,081
(2
)%
Servicing rights – change in valuation inputs or assumptions
(5,226
)
(12,084
)
(57
)%
Residual interests classified as debt – change in valuation inputs or
assumptions
73
89
(18
)%
Directly attributable expenses
(117,604
)
(115,188
)
2
%
Contribution profit
$
207,719
$
209,898
(1
)%
Adjusted net revenue – Lending(1)
$
325,323
$
325,086
—
%
___________________
(1)
Adjusted net revenue – Lending represents a non-GAAP financial measure. For more
information and a reconciliation to the most comparable GAAP measure, see
“Non-GAAP Financial Measures” and Table 2 to the “Financial Tables” herein.
Lending – Loans At Fair Value
($ in thousands)
Personal Loans
Student Loans
Home Loans
Total
March 31, 2024
Unpaid principal
$
14,332,874
$
6,559,211
$
58,304
$
20,950,389
Accumulated interest
116,366
27,414
22
143,802
Cumulative fair value adjustments(1)
607,765
247,536
1,151
856,452
Total fair value of loans(2)(3)
$
15,057,005
$
6,834,161
$
59,477
$
21,950,643
December 31, 2023
Unpaid principal
$
14,498,629
$
6,445,586
$
67,406
$
21,011,621
Accumulated interest
114,541
34,357
92
148,990
Cumulative fair value adjustments(1)
717,403
245,541
(1,300
)
961,644
Total fair value of loans(2)(3)
$
15,330,573
$
6,725,484
$
66,198
$
22,122,255
___________________
(1)
During the three months ended March 31, 2024, the cumulative fair value
adjustments for personal loans were primarily impacted by lower unpaid principal
balance and higher prepayment rate, discount rate and default rate assumptions,
which resulted in lower fair value marks. The cumulative fair value adjustments
for student loans were primarily impacted by higher unpaid principal balance.
(2)
Each component of the fair value of loans is impacted by charge-offs during the
period. Our fair value assumption for annual default rate incorporates fair
value markdowns on loans beginning when they are 10 days or more delinquent,
with additional markdowns at 30, 60 and 90 days past due.
(3)
Student loans are classified as loans held for investment, and personal loans
and home loans are classified as loans held for sale.
The following table summarizes the significant inputs to the fair value model
for personal and student loans:
Personal Loans
Student Loans
March 31,
2024
December 31,
2023
March 31,
2024
December 31,
2023
Weighted average coupon rate(1)
13.8
%
13.8
%
5.6
%
5.6
%
Weighted average annual default rate
4.8
%
4.8
%
0.6
%
0.6
%
Weighted average conditional prepayment rate
24.7
%
23.2
%
10.5
%
10.5
%
Weighted average discount rate
5.8
%
5.5
%
4.3
%
4.3
%
Benchmark rate(2)
4.5
%
4.1
%
4.1
%
3.6
%
___________________
(1)
Represents the average coupon rate on loans held on balance sheet, weighted by
unpaid principal balance outstanding at the balance sheet date.
(2)
Corresponds with two-year SOFR for personal loans, and four-year SOFR for
student loans.
First quarter Lending segment total origination volume increased 22%
year-over-year, as a result of continued strong demand for personal loans and
stable growth in student loan originations.
Personal loan originations of $3.3 billion in the first quarter of 2024 were up
11% year-over-year, and increased 2% sequentially, as anticipated given our more
conservative approach in light of macro uncertainty. First quarter student loan
volume of nearly $752 million was up 43% year-over-year, and declined 5%
sequentially. First quarter home loan volume of $336 million was up 274%
year-over-year, and 9% sequentially.
Lending – Originations and Average Balances
Three Months Ended March 31,
% Change
2024
2023
Origination volume ($ in thousands, during period)
Personal loans
$
3,278,882
$
2,951,358
11
%
Student loans
751,680
525,373
43
%
Home loans
336,148
89,787
274
%
Total
$
4,366,710
$
3,566,518
22
%
Average loan balance ($, as of period end)(1)
Personal loans
$
24,259
$
25,008
(3
)%
Student loans
44,448
46,106
(4
)%
Home loans
282,917
283,579
—
%
_________________
(1)
Within each loan product category, average loan balance is defined as the total
unpaid principal balance of the loans divided by the number of loans that have a
balance greater than zero dollars as of the reporting date. Loans with a balance
and average loan balance include loans on our balance sheet, as well as
transferred loans and referred loans with which we have a continuing involvement
through our servicing agreements.
Lending – Products
March 31,
2024
2023
% Change
Personal loans
1,152,688
904,912
27
%
Student loans
521,835
484,961
8
%
Home loans
30,632
26,249
17
%
Total lending products
1,705,155
1,416,122
20
%
Technology Platform Segment Results
Technology Platform segment net revenue of $94.4 million for the first quarter
of 2024 increased 21% year-over-year, versus 13% reported last quarter, inline
with our guidance for accelerating growth. Contribution profit of $30.7 million
for the first quarter of 2024 increased 107% year-over-year, for a margin of
33%.
In the first quarter of 2024, growth was driven by strong performance from new
clients onboarded over the last three quarters, large bank deals signed in
LatAm, and strong monetization of existing clients launching new products on our
platform. As noted previously, we continue to make significant strides in our
strategy of leveraging our unique product suite to pursue diversified growth and
larger, more durable revenue opportunities.
Technology Platform – Segment Results of Operations
Three Months Ended March 31,
($ in thousands)
2024
2023
% Change
Net interest income
$
501
$
—
n/m
Noninterest income
93,865
77,887
21
%
Total net revenue – Technology Platform
94,366
77,887
21
%
Directly attributable expenses
(63,624
)
(63,030
)
1
%
Contribution profit
$
30,742
$
14,857
107
%
Technology Platform total enabled client accounts increased 20% year-over-year,
to 151.0 million up from 126.3 million in the year-prior period.
There is a robust pipeline of ongoing discussions with potential partners with
large existing customer bases across both the U.S. and Latin America spanning
both the financial services and non-financial services segments.
Technology Platform
March 31,
2024
2023
% Change
Total accounts
151,049,375
126,326,916
20
%
Financial Services Segment Results
Financial Services segment net revenue increased 86% in the first quarter of
2024 to a record $150.6 million from the prior year period's total of $81.1
million, helped by 65% growth in segment interchange revenue and 106% growth in
net interest income. Notably, the company exceeded $1.9 billion in point of sale
debit transaction volume in the first quarter of 2024, representing an
annualized run rate of nearly $8 billion. Strength in the segment results was
driven by new all-time high revenue for SoFi Money and lending as a service, as
well as continued contributions from SoFi Invest and Credit Card.
The Financial Services segment posted a contribution profit of $37.2 million for
the first quarter of 2024, reflecting a $61.4 million improvement over the
comparable prior year quarter's $24.2 million loss, while contribution margin
grew 7 percentage points sequentially to 25%. This is a strong testament of our
ability to scale new businesses from a significant investment phase to
profitability via a continuous process of optimizing unit economics and
efficiently acquiring members and achieving cross buy. Monetization progress is
underscored by annualized revenue per product of $59 for the first quarter of
2024, which grew 31% year-over-year. At the same time, operating leverage is
evident, as the segment generated $69.5 million in incremental revenue, with
only $8.0 million in incremental directly attributable expenses year-over-year,
driving an 88.4% incremental contribution profit margin.
Financial Services – Segment Results of Operations
Three Months Ended March 31,
($ in thousands)
2024
2023
% Change
Net interest income
$
119,713
$
58,037
106
%
Noninterest income
30,838
23,064
34
%
Total net revenue – Financial Services
150,551
81,101
86
%
Directly attributable expenses
(113,377
)
(105,336
)
8
%
Contribution profit (loss)
$
37,174
$
(24,235
)
n/m
By continuously innovating with new and relevant offerings, features and rewards
for members, SoFi grew total Financial Services products by nearly 3.0 million,
or 42%, year-over-year, bringing the total to 10.1 million at quarter-end. In
the first quarter of 2024, SoFi Money reached 3.9 million products, Relay
reached 3.6 million and SoFi Invest reached 2.2 million products.
Most notably, SoFi Money offers an APY of up to 4.60% as of April 29, 2024, no
minimum balance requirement nor balance limits, FDIC insurance through a network
of participating banks of up to $2 million, a host of free features and a unique
rewards program. Total deposits grew 16% during the first quarter to $21.6
billion at quarter-end, with over 90% of SoFi Money deposits (inclusive of
Checking and Savings and cash management accounts) coming from direct deposit
members. More than half of newly funded SoFi Money accounts were setting up
direct deposit by day 30 in the first quarter of 2024.
Financial Services – Products
March 31,
2024
2023
% Change
Money(1)
3,880,021
2,413,013
61
%
Invest
2,224,705
2,210,915
1
%
Credit Card
254,617
193,236
32
%
Referred loans(2)
59,555
44,586
34
%
Relay
3,613,686
2,205,931
64
%
At Work
92,389
70,560
31
%
Total financial services products
10,124,973
7,138,241
42
%
___________________
(1)
Includes checking and savings accounts held at SoFi Bank, and cash management
accounts.
(2)
Limited to loans wherein we provide third party fulfillment services.
Guidance and Outlook
2024 remains a transitional year for SoFi as the Tech Platform and Financial
Services segments together are expected to drive growth and increase from 38% of
total adjusted net revenue in 2023 to approximately 50% for the full year of
2024. For the full year 2024, management expects to deliver adjusted net revenue
of $2.39 to $2.43 billion, which is $25 million higher than the implied prior
guidance range of $2.365 to $2.405 billion. This guidance assumes Lending
revenue will be 92% to 95% of 2023 levels, which is unchanged from prior
guidance, Tech Platform will grow approximately 20% year over year, which is
also unchanged, and Financial Services revenue is expected to grow more than 75%
year over year.
Additionally, management now expects to deliver adjusted EBITDA of $590 to $600
million, above prior guidance of $580 to $590 million. This represents 15 to 17%
adjusted net revenue growth and a 25% Adjusted EBITDA margin. Management now
expects full-year GAAP net income of $165 to $175 million, above prior guidance
of $95 to $105 million, and GAAP EPS of $0.08 to $0.09, above prior guidance of
$0.07 to $0.08.
Management now expects growth in tangible book value of approximately $800
million to $1 billion for the year versus previous guidance of $300 to $500
million, given the benefits of the recent convertible debt exchange along with
the effects of new convertible issuance. We now expect to end the year with a
total capital ratio of over 16%, due to those transactions versus our previous
guidance of 14%. We continue to expect to add at least 2.3 million new members
in 2024, which represents 30% growth.
For the second quarter of 2024, management expects to deliver adjusted net
revenues of $555 to $565 million, adjusted EBITDA of $115 to $125 million and
Net Income of $5 to $10 million.
Management will further address full-year guidance on the quarterly earnings
conference call. Management has not reconciled forward-looking non-GAAP measures
to their most directly comparable GAAP measures of total net revenue, net income
and gross margin. This is because the company cannot predict with reasonable
certainty and without unreasonable efforts the ultimate outcome of certain GAAP
components of such reconciliations due to market-related assumptions that are
not within our control as well as certain legal or advisory costs, tax costs or
other costs that may arise. For these reasons, management is unable to assess
the probable significance of the unavailable information, which could materially
impact the amount of the future directly comparable GAAP measures.
Earnings Webcast
SoFi’s executive management team will host a live audio webcast beginning at
8:00 a.m. Eastern Time (5:00 a.m. Pacific Time) today to discuss the quarter’s
financial results and business highlights. All interested parties are invited to
listen to the live webcast at https://investors.sofi.com. A replay of the
webcast will be available on the SoFi Investor Relations website for 30 days.
Investor information, including supplemental financial information, is available
on SoFi’s Investor Relations website at https://investors.sofi.com.
Cautionary Statement Regarding Forward-Looking Statements
Certain of the statements above are forward-looking and as such are not
historical facts. This includes, without limitation, statements regarding our
expectations for the second quarter of 2024 adjusted net revenue, adjusted
EBITDA, adjusted EBITDA margin and GAAP net income, our expectations regarding
full year 2024 adjusted EBITDA, adjusted EBITDA margin, GAAP net income, and
adjusted net revenue growth, our expectations regarding our ability to continue
to grow our business and launch new business lines and products, improve our
financials and increase our member, product and total accounts count, our
ability to achieve diversified growth and larger, more durable revenue, our
ability to navigate the macroeconomic environment and the financial position,
business strategy and plans and objectives of management for our future
operations. These forward-looking statements are not guarantees of performance.
Such statements can be identified by the fact that they do not relate strictly
to historical or current facts. Words such as “achieve”, “continue”, “expect”,
“growth”, “may”, “plan”, “strategy”, “will be”, “will continue”, and similar
expressions may identify forward-looking statements, but the absence of these
words does not mean that a statement is not forward-looking. Factors that could
cause actual results to differ materially from those contemplated by these
forward-looking statements include: (i) the effect of and our ability to respond
and adapt to changing market and economic conditions, including recessionary
pressures, fluctuating inflation and interest rates, and volatility from global
events; (ii) our ability to achieve and maintain profitability, operating
efficiencies and continued growth across our three businesses in the future, as
well as our ability to continue to achieve GAAP net income profitability and
expected GAAP net income margins; (iii) the impact on our business of the
regulatory environment and complexities with compliance related to such
environment; (iv) our ability to realize the benefits of being a bank holding
company and operating SoFi Bank, including continuing to grow high quality
deposits and our rewards program for members; (v) our ability to continue to
drive brand awareness and realize the benefits or our integrated multi-media
marketing and advertising campaigns; (vi) our ability to vertically integrate
our businesses and accelerate the pace of innovation of our financial products;
(vii) our ability to manage our growth effectively and our expectations
regarding the development and expansion of our business; (viii) our ability to
access sources of capital on acceptable terms or at all, including debt
financing and other sources of capital to finance operations and growth; (ix)
the success of our continued investments in our Financial Services segment and
in our business generally; (x) the success of our marketing efforts and our
ability to expand our member base and increase our product adds; (xi) our
ability to maintain our leadership position in certain categories of our
business and to grow market share in existing markets or any new markets we may
enter; (xii) our ability to develop new products, features and functionality
that are competitive and meet market needs; (xiii) our ability to realize the
benefits of our strategy, including what we refer to as our FSPL; (xiv) our
ability to make accurate credit and pricing decisions or effectively forecast
our loss rates; (xv) our ability to establish and maintain an effective system
of internal controls over financial reporting; (xvi) our ability to maintain the
security and reliability of our products; and (xvii) the outcome of any legal or
governmental proceedings that may be instituted against us. The foregoing list
of factors is not exhaustive. You should carefully consider the foregoing
factors and the other risks and uncertainties set forth in the section titled
“Risk Factors” in our last quarterly report on Form 10-Q, as filed with the
Securities and Exchange Commission, and those that are included in any of our
future filings with the Securities and Exchange Commission, including our annual
report on Form 10-K, under the Exchange Act. These forward-looking statements
are based on information available as of the date hereof and current
expectations, forecasts and assumptions, and involve a number of judgments,
risks and uncertainties. Accordingly, forward-looking statements should not be
relied upon as representing our views as of any subsequent date, and we do not
undertake any obligation to update forward-looking statements to reflect events
or circumstances after the date they were made, whether as a result of new
information, future events or otherwise, except as may be required under
applicable securities laws.
As a result of a number of known and unknown risks and uncertainties, our actual
results or performance may be materially different from those expressed or
implied by these forward-looking statements. You should not place undue reliance
on these forward-looking statements.
Non-GAAP Financial Measures
This press release presents information about our adjusted net revenue and
adjusted EBITDA, which are non-GAAP financial measures provided as supplements
to the results provided in accordance with accounting principles generally
accepted in the United States (GAAP). We use adjusted net revenue and adjusted
EBITDA to evaluate our operating performance, formulate business plans, help
better assess our overall liquidity position, and make strategic decisions,
including those relating to operating expenses and the allocation of internal
resources. Accordingly, we believe that adjusted net revenue and adjusted EBITDA
provide useful information to investors and others in understanding and
evaluating our operating results in the same manner as our management. These
non-GAAP measures are presented for supplemental informational purposes only,
have limitations as analytical tools, and should not be considered in isolation
from, or as a substitute for, the analysis of other GAAP financial measures,
such as total net revenue and net income (loss). Other companies may not use
these non-GAAP measures or may use similar measures that are defined in a
different manner. Therefore, SoFi's non-GAAP measures may not be directly
comparable to similarly titled measures of other companies. Reconciliations of
these non-GAAP measures to the most directly comparable GAAP financial measures
are provided in Table 2 to the “Financial Tables” herein.
Forward-looking non-GAAP financial measures are presented without
reconciliations of such forward-looking non-GAAP measures because the GAAP
financial measures are not accessible on a forward-looking basis and reconciling
information is not available without unreasonable effort due to the inherent
difficulty in forecasting and quantifying certain amounts that are necessary for
such reconciliations, including adjustments reflected in our reconciliation of
historic non-GAAP financial measures, the amounts of which, based on historical
experience, could be material.
About SoFi
SoFi (NASDAQ: SOFI) is a member-centric, one-stop shop for digital financial
services on a mission to help people achieve financial independence to realize
their ambitions. The company’s full suite of financial products and services
helps its more than 8.1 million SoFi members borrow, save, spend, invest, and
protect their money better by giving them fast access to the tools they need to
get their money right, all in one app. SoFi also equips members with the
resources they need to get ahead – like Credentialed Financial Planners (CFP®),
exclusive experiences and events, and a thriving community – on their path to
financial independence.
SoFi innovates across three business segments: Lending, Financial Services –
which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi
Protect, and SoFi Insights – and Technology Platform, which offers the only
end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an
affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC
and SoFi is a bank holding company regulated by the Federal Reserve. The company
is also the naming rights partner of SoFi Stadium, home of the Los Angeles
Chargers and the Los Angeles Rams. For more information, visit
https://www.sofi.com or download our iOS and Android apps.
Availability of Other Information About SoFi
Investors and others should note that we communicate with our investors and the
public using our website (https://www.sofi.com), the investor relations website
(https://investors.sofi.com), and on social media (Twitter and LinkedIn),
including but not limited to investor presentations and investor fact sheets,
Securities and Exchange Commission filings, press releases, public conference
calls and webcasts. The information that SoFi posts on these channels and
websites could be deemed to be material information. As a result, SoFi
encourages investors, the media, and others interested in SoFi to review the
information that is posted on these channels, including the investor relations
website, on a regular basis. This list of channels may be updated from time to
time on SoFi’s investor relations website and may include additional social
media channels. The contents of SoFi’s website or these channels, or any other
website that may be accessed from its website or these channels, shall not be
deemed incorporated by reference in any filing under the Securities Act of 1933,
as amended.
SOFI-F
FINANCIAL TABLES
(Unaudited)
1. Condensed Consolidated Statements of Operations and Comprehensive Income
(Loss)
2. Reconciliation of GAAP to Non-GAAP Financial Measures
3. Condensed Consolidated Balance Sheets
4. Average Balances and Net Interest Earnings Analysis
5. Condensed Consolidated Cash Flow Data
6. Company Metrics
7. Segment Financials
Table 1
SoFi Technologies, Inc.
Condensed Consolidated Statements of Operations and Comprehensive Income (Loss)
(Unaudited)
(In Thousands, Except for Share and Per Share Data)
Three Months Ended March 31,
2024
2023
Interest income
Loans and securitizations
$
620,228
$
360,396
Other
45,683
11,168
Total interest income
665,911
371,564
Interest expense
Securitizations and warehouses
40,921
54,324
Deposits
211,451
73,116
Corporate borrowings
10,711
8,000
Other
110
114
Total interest expense
263,193
135,554
Net interest income
402,718
236,010
Noninterest income
Loan origination, sales, and securitizations
57,000
123,334
Servicing
6,974
12,742
Technology products and solutions
85,672
72,801
Other
92,631
27,271
Total noninterest income
242,277
236,148
Total net revenue
644,995
472,158
Noninterest expense
Technology and product development
130,920
117,059
Sales and marketing
167,366
175,154
Cost of operations
100,061
83,908
General and administrative
145,240
123,689
Provision for credit losses
7,182
8,407
Total noninterest expense
550,769
508,217
Income (loss) before income taxes
94,226
(36,059
)
Income tax (expense) benefit
(6,183
)
1,637
Net income (loss)
$
88,043
$
(34,422
)
Earnings (loss) per share
Earnings (loss) per share – basic
$
0.08
$
(0.05
)
Earnings (loss) per share – diluted
$
0.02
$
(0.05
)
Weighted average common stock outstanding – basic
982,617,492
929,270,723
Weighted average common stock outstanding – diluted
1,042,476,501
929,270,723
Table 2
Non-GAAP Financial Measures
(Unaudited)
Reconciliation of Adjusted Net Revenue
Adjusted net revenue is defined as total net revenue, adjusted to exclude the
fair value changes in servicing rights and residual interests classified as debt
due to valuation inputs and assumptions changes, which relate only to our
Lending segment, as well as gains and losses on extinguishment of debt. For our
consolidated results and for the Lending segment, we reconcile adjusted net
revenue to total net revenue, the most directly comparable GAAP measure, as
presented for the periods indicated below:
Three Months Ended March 31,
($ in thousands)
2024
2023
Total net revenue
$
644,995
$
472,158
Servicing rights – change in valuation inputs or assumptions(1)
(5,226
)
(12,084
)
Residual interests classified as debt – change in valuation inputs or
assumptions(2)
73
89
Gain on extinguishment of debt(3)
(59,194
)
—
Adjusted net revenue
$
580,648
$
460,163
Three Months Ended March 31,
($ in thousands)
2024
2023
Total net revenue – Lending
$
330,476
$
337,081
Servicing rights – change in valuation inputs or assumptions(1)
(5,226
)
(12,084
)
Residual interests classified as debt – change in valuation inputs or
assumptions(2)
73
89
Adjusted net revenue – Lending
$
325,323
$
325,086
___________________
(1)
Reflects changes in fair value inputs and assumptions on servicing rights,
including conditional prepayment, default rates and discount rates. These
assumptions are highly sensitive to market interest rate changes and are not
indicative of our performance or results of operations. Moreover, these non-cash
charges are unrealized during the period and, therefore, have no impact on our
cash flows from operations. As such, these positive and negative changes are
adjusted out of total net revenue to provide management and financial users with
better visibility into the net revenue available to finance our operations and
our overall performance.
(2)
Reflects changes in fair value inputs and assumptions on residual interests
classified as debt, including conditional prepayment, default rates and discount
rates. When third parties finance our consolidated securitization VIEs by
purchasing residual interests, we receive proceeds at the time of the closing of
the securitization and, thereafter, pass along contractual cash flows to the
residual interest owner. These residual debt obligations are measured at fair
value on a recurring basis, but they have no impact on our initial financing
proceeds, our future obligations to the residual interest owner (because future
residual interest claims are limited to contractual securitization collateral
cash flows), or the general operations of our business. As such, these positive
and negative non-cash changes in fair value attributable to assumption changes
are adjusted out of total net revenue to provide management and financial users
with better visibility into the net revenue available to finance our operations.
(3)
Reflects gain on extinguishment of debt. Gains and losses are recognized during
the period of extinguishment for the difference between the net carrying amount
of debt extinguished and the fair value of equity securities issued. These
non-cash charges are not indicative of our core operating performance, and as
such are adjusted out of total net revenue to provide management and financial
users with better visibility into the net revenue available to finance our
operations and our overall performance.
Reconciliation of Adjusted EBITDA
Adjusted EBITDA is defined as net income (loss), adjusted to exclude, as
applicable: (i) corporate borrowing-based interest expense (our adjusted EBITDA
measure is not adjusted for warehouse or securitization-based interest expense,
nor deposit interest expense and finance lease liability interest expense, as
these are direct operating expenses), (ii) income tax expense (benefit), (iii)
depreciation and amortization, (iv) share-based expense (inclusive of
equity-based payments to non-employees), (v) restructuring charges, (vi)
impairment expense (inclusive of goodwill impairment and property, equipment and
software abandonments), (vii) transaction-related expenses, (viii) foreign
currency impacts related to operations in highly inflationary countries, (ix)
fair value changes in warrant liabilities, (x) fair value changes in each of
servicing rights and residual interests classified as debt due to valuation
assumptions, (xi) gain on extinguishment of debt, and (xii) other charges, as
appropriate, that are not expected to recur and are not indicative of our core
operating performance. We reconcile adjusted EBITDA to net income (loss), the
most directly comparable GAAP measure, for the periods indicated below:
Three Months Ended March 31,
($ in thousands)
2024
2023
Net income (loss)
$
88,043
$
(34,422
)
Non-GAAP adjustments:
Interest expense – corporate borrowings(1)
10,711
8,000
Income tax expense (benefit)(2)
6,183
(1,637
)
Depreciation and amortization(3)
48,539
45,321
Share-based expense
55,082
64,226
Restructuring charges(4)
—
4,953
Impairment expense(5)
—
1,243
Foreign currency impact of highly inflationary subsidiaries(6)
174
—
Servicing rights – change in valuation inputs or assumptions(7)
(5,226
)
(12,084
)
Residual interests classified as debt – change in valuation inputs or
assumptions(8)
73
89
Gain on extinguishment of debt(9)
(59,194
)
—
Total adjustments
56,342
110,111
Adjusted EBITDA
$
144,385
$
75,689
___________________
(1)
Our adjusted EBITDA measure adjusts for corporate borrowing-based interest
expense, as these expenses are a function of our capital structure. Corporate
borrowing-based interest expense includes interest on our revolving credit
facility, as well as interest expense and the amortization of debt discount and
debt issuance costs on our convertible notes. Revolving credit facility interest
expense in the 2024 period increased due to higher interest rates relative to
the prior year periods on identical outstanding debt. Convertible note interest
expense in the 2024 period increased related to the issuance of interest-bearing
convertible senior notes during the period.
(2)
Our income tax positions in both the 2024 and 2023 periods were impacted by
income tax expenses associated with the profitability of SoFi Bank in state
jurisdictions where separate filings are required, as well as federal taxes
where our tax credits and loss carryforwards may be limited. Our income tax
benefit position in the 2023 period was primarily attributable to income tax
benefits from foreign losses in jurisdictions with net deferred tax liabilities
related to Technisys.
(3)
Depreciation and amortization expense for the 2024 period increased compared to
the 2023 period primarily in connection with growth in our internally-developed
software balance.
(4)
Restructuring charges in the 2023 period primarily included employee-related
wages, benefits and severance associated with a reduction in headcount in our
Technology Platform segment, which do not reflect expected future operating
expenses and are not indicative of our core operating performance.
(5)
Impairment expense in the 2023 period relates to a sublease arrangement, which
is not indicative of our core operating performance.
(6)
Foreign currency charges reflect the impacts of highly inflationary accounting
for our operations in Argentina, which are related to our Technology Platform
segment and commenced in the first quarter of 2022 with the Technisys Merger.
For the year ended December 31, 2023, all amounts were reflected in the fourth
quarter, as inter-quarter amounts were determined to be immaterial.
(7)
Reflects changes in fair value inputs and assumptions, including market
servicing costs, conditional prepayment, default rates and discount rates. This
non-cash change is unrealized during the period and, therefore, has no impact on
our cash flows from operations. As such, these positive and negative changes in
fair value attributable to assumption changes are adjusted out of net loss to
provide management and financial users with better visibility into the earnings
available to finance our operations.
(8)
Reflects changes in fair value inputs and assumptions, including conditional
prepayment, default rates and discount rates. When third parties finance our
consolidated VIEs through purchasing residual interests, we receive proceeds at
the time of the securitization close and, thereafter, pass along contractual
cash flows to the residual interest owner. These obligations are measured at
fair value on a recurring basis, which has no impact on our initial financing
proceeds, our future obligations to the residual interest owner (because future
residual interest claims are limited to contractual securitization collateral
cash flows), or the general operations of our business. As such, these positive
and negative non-cash changes in fair value attributable to assumption changes
are adjusted out of net loss to provide management and financial users with
better visibility into the earnings available to finance our operations.
(9)
Reflects gain on extinguishment of debt. Gains and losses are recognized during
the period of extinguishment for the difference between the net carrying amount
of debt extinguished and the fair value of equity securities issued. These
non-cash charges are not indicative of our core operating performance, and as
such are adjusted out of total net revenue to provide management and financial
users with better visibility into the net revenue available to finance our
operations and our overall performance.
Table 3
SoFi Technologies, Inc.
Condensed Consolidated Balance Sheets
(Unaudited)
(In Thousands, Except for Share Data)
March 31,
2024
December 31,
2023
Assets
Cash and cash equivalents
$
3,693,390
$
3,085,020
Restricted cash and restricted cash equivalents
454,518
530,558
Investment securities (includes available-for-sale securities of $838,506 and
$595,187 at fair value with associated amortized cost of $839,936 and $596,757,
as of March 31, 2024 and December 31, 2023, respectively)
973,098
701,935
Loans held for sale, at fair value
15,116,482
15,396,771
Loans held for investment, at fair value
6,834,161
6,725,484
Loans held for investment, at amortized cost (less allowance for credit losses
of $51,313 and $54,695, as of March 31, 2024 and December 31, 2023,
respectively)
1,250,231
836,159
Servicing rights
240,752
180,469
Property, equipment and software
228,049
216,908
Goodwill
1,393,505
1,393,505
Intangible assets
347,495
364,048
Operating lease right-of-use assets
87,362
89,635
Other assets (less allowance for credit losses of $2,109 and $1,837, as of March
31, 2024 and December 31, 2023, respectively)
686,717
554,366
Total assets
$
31,305,760
$
30,074,858
Liabilities, temporary equity and permanent equity
Liabilities:
Deposits:
Interest-bearing deposits
$
21,550,137
$
18,568,993
Noninterest-bearing deposits
54,457
51,670
Total deposits
21,604,594
18,620,663
Accounts payable, accruals and other liabilities
554,185
549,748
Operating lease liabilities
105,556
108,649
Debt
2,891,317
5,233,416
Residual interests classified as debt
4,129
7,396
Total liabilities
25,159,781
24,519,872
Commitments, guarantees, concentrations and contingencies
Temporary equity:
Redeemable preferred stock, $0.00 par value: 100,000,000 and 100,000,000 shares
authorized; 3,234,000 and 3,234,000 shares issued and outstanding as of March
31, 2024 and December 31, 2023, respectively
320,374
320,374
Permanent equity:
Common stock, $0.00 par value: 3,100,000,000 and 3,100,000,000 shares
authorized; 1,056,491,365 and 975,861,793 shares issued and outstanding as of
March 31, 2024 and December 31, 2023, respectively
105
97
Additional paid-in capital
7,543,808
7,039,987
Accumulated other comprehensive loss
(2,088
)
(1,209
)
Accumulated deficit
(1,716,220
)
(1,804,263
)
Total permanent equity
5,825,605
5,234,612
Total liabilities, temporary equity and permanent equity
$
31,305,760
$
30,074,858
Table 4
SoFi Technologies, Inc.
Average Balances and Net Interest Earnings Analysis
(Unaudited)
Three Months Ended March 31, 2024
Three Months Ended March 31, 2023
($ in thousands)
Average Balances
Interest Income/Expense
Average Yield/Rate
Average Balances
Interest Income/Expense
Average Yield/Rate
Assets
Interest-earning assets:
Interest-bearing deposits with banks
$
3,120,567
$
37,268
4.80
%
$
1,786,522
$
8,369
1.87
%
Investment securities
767,789
10,202
5.34
437,717
5,739
5.24
Loans
23,540,252
618,441
10.57
15,015,721
357,342
9.52
Total interest-earning assets
27,428,608
665,911
9.76
17,239,960
371,450
8.62
Total noninterest-earning assets
3,006,934
3,072,248
Total assets
$
30,435,542
$
20,312,208
Liabilities, Temporary Equity and Permanent Equity
Interest-bearing liabilities:
Demand deposits
$
2,528,655
$
11,398
1.81
%
$
1,927,612
$
12,852
2.67
%
Savings deposits
14,317,371
162,445
4.56
5,471,347
48,160
3.52
Time deposits
2,974,750
37,608
5.08
1,193,181
12,104
4.06
Total interest-bearing deposits
19,820,776
211,451
4.29
8,592,140
73,116
3.40
Warehouse facilities
2,141,601
34,860
6.55
2,904,509
40,176
5.53
Securitization debt
333,957
3,658
4.40
874,369
10,426
4.77
Other debt
1,751,789
13,224
3.04
1,646,367
11,581
2.81
Total debt
4,227,347
51,742
4.92
5,425,245
62,183
4.58
Residual interests classified as debt
5,004
—
—
16,301
141
3.46
Total interest-bearing liabilities
24,053,127
263,193
4.40
14,033,686
135,440
3.86
Total noninterest-bearing liabilities
718,828
704,071
Total liabilities
24,771,955
14,737,757
Total temporary equity
320,374
320,374
Total permanent equity
5,343,213
5,254,077
Total liabilities, temporary equity and permanent equity
$
30,435,542
$
20,312,208
Net interest income
$
402,718
$
236,010
Net interest margin
5.91
%
5.48
%
Table 5
SoFi Technologies, Inc.
Condensed Consolidated Cash Flow Data
(Unaudited)
(In Thousands)
Three Months Ended March 31,
2024
2023
Net cash provided by (used in) operating activities
$
738,248
$
(2,212,760
)
Net cash used in investing activities
(1,261,184
)
(40,153
)
Net cash provided by financing activities
1,055,445
3,384,418
Effect of exchange rates on cash and cash equivalents
(179
)
(293
)
Net increase in cash, cash equivalents, restricted cash and restricted cash
equivalents
$
532,330
$
1,131,212
Cash, cash equivalents, restricted cash and restricted cash equivalents at
beginning of period
3,615,578
1,846,302
Cash, cash equivalents, restricted cash and restricted cash equivalents at end
of period
$
4,147,908
$
2,977,514
Table 6
Company Metrics
March 31,
2024
December 31,
2023
September 30,
2023
June 30,
2023
March 31,
2023
December 31,
2022
September 30,
2022
June 30,
2022
March 31,
2022
Members
8,131,720
7,541,860
6,957,187
6,240,091
5,655,711
5,222,533
4,742,673
4,318,705
3,868,334
Total Products
11,830,128
11,142,476
10,447,806
9,401,025
8,554,363
7,894,636
7,199,298
6,564,174
5,862,137
Total Products — Lending segment
1,705,155
1,663,006
1,593,906
1,503,892
1,416,122
1,340,597
1,280,493
1,202,027
1,138,566
Total Products — Financial Services segment
10,124,973
9,479,470
8,853,900
7,897,133
7,138,241
6,554,039
5,918,805
5,362,147
4,723,571
Total Accounts — Technology Platform segment
151,049,375
145,425,391
136,739,131
129,356,203
126,326,916
130,704,351
124,332,810
116,570,038
109,687,014
Members
We refer to our customers as “members”. We define a member as someone who has a
lending relationship with us through origination and/or ongoing servicing,
opened a financial services account, linked an external account to our platform,
or signed up for our credit score monitoring service. Our members have
continuous access to our CFPs, our member events, our content, educational
material, news, and our tools and calculators, which are provided at no cost to
the member. We view members as an indication not only of the size and a
measurement of growth of our business, but also as a measure of the significant
value of the data we have collected over time.
Once someone becomes a member, they are always considered a member unless they
are removed in accordance with our terms of service, in which case, we adjust
our total number of members. This could occur for a variety of reasons—including
fraud or pursuant to certain legal processes—and, as our terms of service evolve
together with our business practices, product offerings and applicable
regulations, our grounds for removing members from our total member count could
change. The determination that a member should be removed in accordance with our
terms of service is subject to an evaluation process, following the completion,
and based on the results, of which, relevant members and their associated
products are removed from our total member count in the period in which such
evaluation process concludes. However, depending on the length of the evaluation
process, that removal may not take place in the same period in which the member
was added to our member count or the same period in which the circumstances
leading to their removal occurred. For this reason, our total member count may
not yet reflect adjustments that may be made once ongoing evaluation processes,
if any, conclude. Beginning in the first quarter of 2024, we aligned our
methodology for calculating member and product metrics with our member and
product definitions to include co-borrowers, co-signers, and joint- and
co-account holders, as applicable. Quarterly amounts for prior periods were
determined to be immaterial and were not recast.
Total Products
Total products refers to the aggregate number of lending and financial services
products that our members have selected on our platform since our inception
through the reporting date, whether or not the members are still registered for
such products. Total products is a primary indicator of the size and reach of
our Lending and Financial Services segments. Management relies on total products
metrics to understand the effectiveness of our member acquisition efforts and to
gauge the propensity for members to use more than one product.
In our Lending segment, total products refers to the number of personal loans,
student loans and home loans that have been originated through our platform
through the reporting date, whether or not such loans have been paid off. If a
member has multiple loan products of the same loan product type, such as two
personal loans, that is counted as a single product. However, if a member has
multiple loan products across loan product types, such as one personal loan and
one home loan, that is counted as two products. The account of a co-borrower or
co-signer is not considered a separate lending product.
In our Financial Services segment, total products refers to the number of SoFi
Money accounts (inclusive of checking and savings accounts held at SoFi Bank and
cash management accounts), SoFi Invest accounts, SoFi Credit Card accounts
(including accounts with a zero dollar balance at the reporting date), referred
loans (which are originated by the Company or a third-party partner to which we
provide pre-qualified borrower referrals), SoFi At Work accounts and SoFi Relay
accounts (with either credit score monitoring enabled or external linked
accounts) that have been opened through our platform through the reporting date.
Checking and savings accounts are considered one account within our total
products metric. Our SoFi Invest service is composed of two products: active
investing accounts and robo-advisory accounts. Our members can select any one or
combination of the types of SoFi Invest products. If a member has multiple SoFi
Invest products of the same account type, such as two active investing accounts,
that is counted as a single product. However, if a member has multiple SoFi
Invest products across account types, such as one active investing account and
one robo-advisory account, those separate account types are considered separate
products. The account of a joint- or co-account holder is considered a separate
financial services product. In the event a member is removed in accordance with
our terms of service, as discussed under “Members” above, the member’s
associated products are also removed.
Technology Platform Total Accounts
In our Technology Platform segment, total accounts refers to the number of open
accounts at Galileo as of the reporting date. We include intercompany accounts
on the Galileo platform-as-a-service in our total accounts metric to better
align with the Technology Platform segment revenue which includes intercompany
revenue. Intercompany revenue is eliminated in consolidation. Total accounts is
a primary indicator of the accounts dependent upon our technology platform to
use virtual card products, virtual wallets, make peer-to-peer and bank-to-bank
transfers, receive early paychecks, separate savings from spending balances,
make debit transactions and rely upon real-time authorizations, all of which
result in revenues for the Technology Platform segment. We do not measure total
accounts for the Technisys products and solutions, as the revenue model is not
primarily dependent upon being a fully integrated, stand-ready service.
Table 7
Segment Financials
(Unaudited)
Quarter Ended
($ in thousands)
March 31,
2024
December 31,
2023
September 30,
2023
June 30,
2023
March 31,
2023
December 31,
2022
September 30,
2022
June 30,
2022
March 31,
2022
Lending
Net interest income
$
266,536
$
262,626
$
265,215
$
231,885
$
201,047
$
183,607
$
139,516
$
114,003
$
94,354
Total noninterest income
63,940
90,500
83,758
99,556
136,034
144,584
162,178
143,114
158,635
Total net revenue
330,476
353,126
348,973
331,441
337,081
328,191
301,694
257,117
252,989
Adjusted net revenue(1)
325,323
346,541
342,481
322,238
325,086
314,930
296,965
250,681
244,372
Contribution profit(2)
207,719
226,110
203,956
183,309
209,898
208,799
180,562
141,991
132,651
Technology Platform
Net interest income
$
501
$
941
$
573
$
—
$
—
$
—
$
—
$
—
$
—
Total noninterest income
93,865
95,966
89,350
87,623
77,887
85,652
84,777
83,899
60,805
Total net revenue(2)
94,366
96,907
89,923
87,623
77,887
85,652
84,777
83,899
60,805
Contribution profit
30,742
30,584
32,191
17,154
14,857
16,881
19,536
21,841
18,255
Financial Services
Net interest income
$
119,713
$
109,072
$
93,101
$
74,637
$
58,037
$
45,609
$
28,158
$
12,925
$
5,882
Total noninterest income
30,838
30,043
25,146
23,415
23,064
19,208
20,795
17,438
17,661
Total net revenue
150,551
139,115
118,247
98,052
81,101
64,817
48,953
30,363
23,543
Contribution profit (loss)(2)
37,174
25,060
3,260
(4,347
)
(24,235
)
(43,588
)
(52,623
)
(53,700
)
(49,515
)
Corporate/Other
Net interest income (expense)
$
15,968
$
17,002
$
(13,926
)
$
(15,396
)
$
(23,074
)
$
(20,632
)
$
(9,824
)
$
(4,199
)
$
(5,303
)
Total noninterest income (loss)
53,634
9,254
(6,008
)
(3,702
)
(837
)
(1,349
)
(1,615
)
(4,653
)
(1,690
)
Total net revenue (loss)(2)
69,602
26,256
(19,934
)
(19,098
)
(23,911
)
(21,981
)
(11,439
)
(8,852
)
(6,993
)
Consolidated
Net interest income
$
402,718
$
389,641
$
344,963
$
291,126
$
236,010
$
208,584
$
157,850
$
122,729
$
94,933
Total noninterest income
242,277
225,763
192,246
206,892
236,148
248,095
266,135
239,798
235,411
Total net revenue
644,995
615,404
537,209
498,018
472,158
456,679
423,985
362,527
330,344
Adjusted net revenue(1)
580,648
594,245
530,717
488,815
460,163
443,418
419,256
356,091
321,727
Net income (loss)
88,043
47,913
(266,684
)
(47,549
)
(34,422
)
(40,006
)
(74,209
)
(95,835
)
(110,357
)
Adjusted EBITDA(1)
144,385
181,204
98,025
76,819
75,689
70,060
44,298
20,304
8,684
Total permanent equity
5,825,605
5,234,612
5,053,388
5,257,661
5,234,072
5,208,102
5,181,003
5,186,180
5,210,299
Tangible book value (as of period end)(3)
4,084,605
3,477,059
3,272,576
3,204,883
3,191,201
3,142,956
3,101,281
3,079,681
3,089,079
Weighted average common stock outstanding – diluted
1,042,476,501
1,029,303,297
951,183,107
936,569,420
929,270,723
922,936,519
916,762,973
910,046,750
852,853,596
Tangible book value per common share
3.92
3.38
3.44
3.42
3.43
3.41
3.38
3.38
3.62
___________________
(1)
Adjusted net revenue and adjusted EBITDA are non-GAAP financial measures. For
additional information on these measures and reconciliations to the most
directly comparable GAAP measures, see “Non-GAAP Financial Measures” and Table 2
to the “Financial Tables” herein.
(2)
Technology Platform segment total net revenue includes intercompany fees. The
equal and offsetting intercompany expenses are reflected within all three
segments’ directly attributable expenses, as well as within expenses not
allocated to segments. The intercompany revenues and expenses are eliminated in
consolidation. The revenues are eliminated within Corporate/Other and the
expenses represent a reconciling item of segment contribution profit (loss) to
consolidated income (loss) before income taxes.
(3)
Tangible book value is defined as permanent equity, adjusted to exclude goodwill
and intangible assets. Tangible book value per share is defined as tangible book
value, divided by diluted weighted average common stock outstanding.
Investors:
SoFi Investor Relations
IR@sofi.com
Media:
SoFi Media Relations
PR@sofi.com
Source: SoFi Technologies, Inc.
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(844) 422-7634 (SOFI)
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