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<div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.158%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.860%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.860%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.809%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.809%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.809%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.366%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Value of Initial Fixed $100 Investment Based On:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fiscal Year</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Summary Compensation Table Total to PEO</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Compensation Actually Paid to PEO</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(3)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average Summary Compensation Table Total for non-PEO Named Executive Officers</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average Compensation Actually Paid to non-PEO Named Executive Officers</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> ($)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Shareholder Return</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> ($)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Peer Group Total Shareholder Return</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net Income (Loss) <br/>($ in thousands)</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjusted Operating Income (Loss)</span><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span></div><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">($ in thousands)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Revenue, Net<br/>($ in thousands)</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,900,827</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,275,098</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,360,375</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,956,695</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">121.08</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">254.07</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,929,793</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,234,983</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #3051f2;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,261,082</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538,307</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,140,208)</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,098,354</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,801,028</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102.66</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">168.59</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,186</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">778,083</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,224,412</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">519,920</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,804,472)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,083,767</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,893,234</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44.86</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142.99</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(517,757)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380,864</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,322,999</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">409,807</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,488,675</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,791,651</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,939,231</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.76</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98.91</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(985,345)</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(72,317)</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,587,985</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">478,265</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(220,066,517)</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,516,543</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,407,222)</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26.82</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73.97</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(707,417)</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78,332)</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,349,292</span></td></tr></table></div>
25900827
23275098
7360375
10956695
121.08
254.07
1929793000
1234983000
4261082000
538307
-1140208
7098354
26801028
102.66
168.59
52186000
778083000
3224412000
519920
-1804472
7083767
18893234
44.86
142.99
-517757000
380864000
2322999000
409807
20488675
4791651
3939231
22.76
98.91
-985345000
-72317000
1587985000
478265
-220066517
6516543
-10407222
26.82
73.97
-707417000
-78332000
1349292000
<span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:112%;padding-left:9.11pt">Amounts reported in these columns represent the total compensation as reported in the Summary Compensation Table for our principal executive officer (“PEO”) during each applicable fiscal year and the average of the total compensation as reported in the Summary Compensation Table for our remaining NEOs (“Non-PEO NEOs”) for the relevant fiscal year, which captures the individuals indicated in the table below for each fiscal year:</span><div style="margin-bottom:0.06pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.272%"><tr><td style="width:1.0%"></td><td style="width:18.837%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.837%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:59.026%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fiscal Year</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PEO</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-PEO Named Executive Officers</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max Levchin</span></div></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rob O’Hare, Michael Linford, Libor Michalek and Katherine Adkins</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max Levchin</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rob O’Hare, Michael Linford, Libor Michalek and Katherine Adkins</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max Levchin</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Michael Linford, Libor Michalek and Katherine Adkins</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max Levchin</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Michael Linford, Libor Michalek and Katherine Adkins</span></div></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Max Levchin</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Michael Linford, Libor Michalek, Katherine Adkins and Silvija Martincevic</span></td></tr></table></div>
<span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:112%;padding-left:9.11pt">The calculation of Compensation Actually Paid for fiscal 2026 reflects certain adjustments to the Total Compensation as reflected in the Summary Compensation Table for the PEO and the average as a group for our Non-PEO executive officers as set forth below. Amounts do not reflect actual compensation earned by or paid to our NEOs during fiscal year 2026.</span><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.212%"><tr><td style="width:1.0%"></td><td style="width:57.010%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.844%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.846%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PEO</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-PEO Named Executive Officers (Average)</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Summary Compensation Table Total ($)</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,900,827</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,360,375</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Less</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">, Grant Date Fair Value of Option Awards and Stock Awards Granted in Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25,348,682)</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,374,844)</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Plus, </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair Value at Fiscal Year-End of Outstanding and Unvested Option Awards and Stock Awards Granted in Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,404,887</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,886,216</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Plus (less), </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Fair Value of Outstanding and Unvested Option Awards and Stock Awards Granted in Prior Fiscal Years ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,357,910</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Plus, </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value at Vesting Date of Option Awards and Stock Awards Granted in Fiscal Year That Vested During Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">558,204</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Plus (less), </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year-Over-Year</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"> </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Fair Value as of Vesting Date of Option Awards and Stock Awards Granted in Prior Fiscal Years For Which Applicable Vesting Conditions Were Satisfied During Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">168,833</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Less, </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value as of Prior Fiscal Year-End of Option Awards and Stock Awards Granted in Prior Fiscal Years That Failed to Meet Applicable Vesting Conditions During Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,681,933)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Compensation Actually Paid ($)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,275,098</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,956,695</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Fair values are calculated in accordance with FASB ASC Topic 718 as of the end of the respective year, other than awards that vest in the covered year, which are valued as of the applicable vesting dates, and the valuation assumptions used to calculate fair values did not materially differ from those disclosed at the time of grant.</span></div>
<span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:112%;padding-left:9.11pt">The calculation of Compensation Actually Paid for fiscal 2026 reflects certain adjustments to the Total Compensation as reflected in the Summary Compensation Table for the PEO and the average as a group for our Non-PEO executive officers as set forth below. Amounts do not reflect actual compensation earned by or paid to our NEOs during fiscal year 2026.</span><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.212%"><tr><td style="width:1.0%"></td><td style="width:57.010%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.844%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.846%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PEO</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-PEO Named Executive Officers (Average)</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Summary Compensation Table Total ($)</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,900,827</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,360,375</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Less</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">, Grant Date Fair Value of Option Awards and Stock Awards Granted in Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25,348,682)</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,374,844)</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Plus, </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair Value at Fiscal Year-End of Outstanding and Unvested Option Awards and Stock Awards Granted in Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,404,887</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,886,216</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Plus (less), </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Fair Value of Outstanding and Unvested Option Awards and Stock Awards Granted in Prior Fiscal Years ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,357,910</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Plus, </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value at Vesting Date of Option Awards and Stock Awards Granted in Fiscal Year That Vested During Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">558,204</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Plus (less), </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year-Over-Year</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"> </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Fair Value as of Vesting Date of Option Awards and Stock Awards Granted in Prior Fiscal Years For Which Applicable Vesting Conditions Were Satisfied During Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ffffff;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">168,833</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Less, </span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value as of Prior Fiscal Year-End of Option Awards and Stock Awards Granted in Prior Fiscal Years That Failed to Meet Applicable Vesting Conditions During Fiscal Year ($)</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,681,933)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Compensation Actually Paid ($)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,275,098</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #4a4af4;padding:1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,956,695</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Fair values are calculated in accordance with FASB ASC Topic 718 as of the end of the respective year, other than awards that vest in the covered year, which are valued as of the applicable vesting dates, and the valuation assumptions used to calculate fair values did not materially differ from those disclosed at the time of grant.</span></div>
25900827
7360375
-25348682
-6374844
44404887
6886216
0
2357910
0
558204
0
168833
-21681933
0
23275098
10956695
The Compensation Actually Paid to Mr. Levchin largely reflects the change in the fair value, as calculated in accordance with FASB ASC Topic 718, of the Value Creation Award granted to Mr. Levchin in January 2021 in advance of our IPO. For details regarding the Value Creation Award, see “—<span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Compensation Discussion and Analysis—Compensation Elements—Long-Term Equity Incentive Compensation—Chief Executive Officer Long-Term Equity Award</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%">.”</span>
Represents the cumulative total shareholder return (“TSR”) on our Class A common stock and the cumulative TSR on the Standard & Poor’s North American Technology Index (the “Peer Group TSR”), which is the same peer group used for the Stock Performance Graph included in our Annual Report on Form 10-K, through June 30, 2022, 2023, 2024, 2025 and 2026. The table assumes $100 was invested at the market close on July 1, 2021. Data for the Peer Group TSR assumes reinvestment of dividends.
Adjusted operating income (loss) is a non-GAAP financial measure. For a full reconciliation of adjusted operating income (loss) to the most directly comparable financial measure stated in accordance with GAAP, please see <span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">Appendix A</span> to this proxy statement.
<div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Relationship Between Compensation Actually Paid and Total Shareholder Return</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and our TSR and the Peer Group TSR over the period from July 1, 2021 to June 30, 2026. The graph below shows a connection between Compensation Actually Paid to both our PEO and to our non-PEO NEOs and TSR. Our executive compensation program emphasizes equity compensation, which we believe demonstrates a longer-term, ownership orientation. As a result of this emphasis, Compensation Actually Paid to our PEO and the average of Compensation Actually Paid to our non-PEO NEOs is significantly impacted by our stock price and TSR performance.</span></div><img alt="4467" id="i-69" src="afrm-20261021_g24.jpg" style="height:370px;margin-bottom:5pt;vertical-align:text-bottom;width:660px"/>
<div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Relationship Between Compensation Actually Paid and Total Shareholder Return</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and our TSR and the Peer Group TSR over the period from July 1, 2021 to June 30, 2026. The graph below shows a connection between Compensation Actually Paid to both our PEO and to our non-PEO NEOs and TSR. Our executive compensation program emphasizes equity compensation, which we believe demonstrates a longer-term, ownership orientation. As a result of this emphasis, Compensation Actually Paid to our PEO and the average of Compensation Actually Paid to our non-PEO NEOs is significantly impacted by our stock price and TSR performance.</span></div><img alt="4467" id="i-69" src="afrm-20261021_g24.jpg" style="height:370px;margin-bottom:5pt;vertical-align:text-bottom;width:660px"/>
<span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Relationship Between Compensation Actually Paid and Financial Measures (Net Income (Loss), Adjusted Operating Income (Loss) and Total Revenue)</span><div style="text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and the Company’s net income (loss).</span></div><div style="margin-bottom:3pt"><img alt="4806" id="i-70" src="afrm-20261021_g25.jpg" style="height:370px;margin-bottom:5pt;vertical-align:text-bottom;width:660px"/></div>
<span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Relationship Between Compensation Actually Paid and Financial Measures (Net Income (Loss), Adjusted Operating Income (Loss) and Total Revenue)</span><div style="text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and the Company’s net income (loss).</span></div><div style="margin-bottom:3pt"><img alt="4806" id="i-70" src="afrm-20261021_g25.jpg" style="height:370px;margin-bottom:5pt;vertical-align:text-bottom;width:660px"/></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and the Company’s adjusted operating income (loss).</span></div><div><img alt="5018" id="i-72" src="afrm-20261021_g26.jpg" style="height:370px;margin-bottom:5pt;vertical-align:text-bottom;width:660px"/></div>
elationship Between Compensation Actually Paid and Financial Measures (Net Income (Loss), Adjusted Operating Income (Loss) and Total Revenue)<div style="text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and the Company’s net income (loss).</span></div><div style="margin-bottom:3pt"><img alt="4806" id="i-70" src="afrm-20261021_g25.jpg" style="height:370px;margin-bottom:5pt;vertical-align:text-bottom;width:660px"/></div><div style="text-align:justify"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the Compensation Actually Paid to our PEO, the average of the Compensation Actually Paid to our non-PEO NEOs and the Company’s total revenue.</span></div><div><img alt="5212" id="i-73" src="afrm-20261021_g27.jpg" style="height:380px;margin-bottom:5pt;vertical-align:text-bottom;width:650px"/></div>
<div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.545%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #000;border-right:1pt solid #000;border-top:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Most Important Measures to Determine</span></div><div style="text-align:center"><span style="color:#4a4af4;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fiscal Year 2026 Compensation Actually Paid</span></div></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #000;border-right:1pt solid #000;border-top:1pt solid #4a4af4;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">network size*</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #000;border-right:1pt solid #000;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">total revenue</span></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #000;border-right:1pt solid #000;padding:1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">adjusted operating income (loss)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-left:1pt solid #000;border-right:1pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:120%">operating income (loss)</span></div></td></tr></table></div>
network size*
total revenue
adjusted operating income (loss)
operating income (loss)