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      "text": "2Q22: ($28.5); 3Q22: ($28.5); 4Q22: ($11.8); 1Q23: ($4.5); 2Q23: ($13.1). (54%) YoY reduction in EBITDA loss",
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      "text": "2Q23 Adj. EBITDA loss widened Q-o-Q due to:\nHigher marketing related to ramping Member acquisition; $1.4mm related to brand refresh and creative assets which began airing in 3Q23\n$4mm legal settlement charge\nHigher provision expense related to greater ExtraCash originations",
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      "text": "Adj. EBITDA loss improved 54% Y-o-Y driven by revenue growth, variable margin expansion, and marketing efficiencies. Excluding $4 million legal settlement charge related to 2020 data breach, Adj. EBITDA Loss would have improved by ~70%.",
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      "text": "$178mm of cash and securities as of 6/30/23 vs. $196mm as of 3/31/23; reduction due largely to growth in receivables funded with existing balance sheet cash.",
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      "text": "We believe our existing team is sufficient to execute our plan and deliver operating leverage as we scale.",
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      "text": "Note: See Glossary for the definition of Adjusted EBITDA\nNote: See Appendix for reconciliation of Non-GAAP measures.",
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      "text": "Reduced Adjusted EBITDA losses",
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