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There are material limitations associated with the use of non-GAAP financial measures since they exclude significant expenses and income that are required by GAAP to be recorded in Blend's financial statements. Please see the reconciliation tables at the end of this presentation for the reconciliation of GAAP and non-GAAP results. Management encourages investors and others to review Blend's financial information in its entirety and not rely on a single financial measure.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:59:10.348+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a871ca2d-06db-47c9-bbec-b4aa1fb4e1d0", "parentComponentId": null }, { "bbox": { "h": 0.32, "w": 0.941, "x": 0.029, "y": 0.12 }, "kind": "disclaimer", "text": "This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which statements involve substantial risks and uncertainties. Forward-looking statements generally relate to future events or Blend's future financial or operating performance. In some cases, you can identify forward looking statements because they contain words such as \"may,\" \"might,\" \"will,\" \"should,\" \"expect,\" \"plan,\" \"anticipate,\" \"could,\" \"would,\" \"intend,\" \"target,\" \"project,\" \"contemplate,\" \"believe,\" \"estimate,\" \"predict,\" \"potential\" or \"continue\" or the negative of these words or other similar terms or expressions that concern Blend's expectations, strategy, priorities, plans and intentions. Forward-looking statements in this presentation include, but are not limited to, statements regarding Blend's financial condition and operating performance, including its outlook, market size and growth opportunities, operating model, cash flows and capital expenditures, Blend's ability to generate cash and Blend's cash needs, operating margins, plans for future operations, competitive positions, technological capabilities, strategic relationships, Blend's opportunity to increase market share and penetration in its existing customers, Blend's ability to scale its products and relationships, projections and estimates of mortgage loan origination volumes, other macroeconomic and industry conditions, Blend's ability to improve efficiency, Blend's addressable market, Blend's ability to create long-term value for its customers, and Blend's expectations for revenue growth and sales of its products. If any of the risks or uncertainties related to the forward-looking statements develop or if any of the assumptions related to the forward-looking statements prove incorrect, actual results could differ materially from those projected, expressed, or implied by its forward-looking statements. The forward-looking statements contained in this presentation are also subject to other risks and uncertainties, including those more fully described in Blend's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2022 and its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2023, and June 30, 2023. All forward-looking statements in this presentation are based on information available to Blend and assumptions and beliefs as of the date hereof, and Blend disclaims any obligation to update any forward-looking statements, except as required by law.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:59:10.348+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b9827265-35fc-482d-bd12-b5eebdb646f2", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.941, "x": 0.029, "y": 0.784 }, "kind": "disclaimer", "text": "This presentation contains statistical data, estimates and forecasts that are based on independent industry publications or other publicly available information, as well as other information based on Blend's internal sources. This information involves many assumptions and limitations, and you are cautioned not to give undue weight to such information. Blend has not independently verified the accuracy or completeness of the information contained in the industry publications and other publicly available information. 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Forward-looking statements generally relate to future events or Blend's future financial or operating performance. In some cases, you can identify forward looking statements because they contain words such as \"may,\" \"might,\" \"will,\" \"should,\" \"expect,\" \"plan,\" \"anticipate,\" \"could,\" \"would,\" \"intend,\" \"target,\" \"project,\" \"contemplate,\" \"believe,\" \"estimate,\" \"predict,\" \"potential\" or \"continue\" or the negative of these words or other similar terms or expressions that concern Blend's expectations, strategy, priorities, plans and intentions. Forward-looking statements in this presentation include, but are not limited to, statements regarding Blend's financial condition and operating performance, including its outlook, market size and growth opportunities, operating model, cash flows and capital expenditures, Blend's ability to generate cash and Blend's cash needs, operating margins, plans for future operations, competitive positions, technological capabilities, strategic relationships, Blend's opportunity to increase market share and penetration in its existing customers, Blend's ability to scale its products and relationships, projections and estimates of mortgage loan origination volumes, other macroeconomic and industry conditions, Blend's ability to improve efficiency, Blend's addressable market, Blend's ability to create long-term value for its customers, and Blend's expectations for revenue growth and sales of its products. If any of the risks or uncertainties related to the forward-looking statements develop or if any of the assumptions related to the forward-looking statements prove incorrect, actual results could differ materially from those projected, expressed, or implied by its forward-looking statements. The forward-looking statements contained in this presentation are also subject to other risks and uncertainties, including those more fully described in Blend's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2022 and its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2023, and June 30, 2023. 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