? PAGAYA PAGAYA TECHNOLOGIES LTD. Q4 Letter to Shareholders Q4 2023 Q3 2023 Q2 2023 Q1 2023 DATE ISSUED February 21, 2024 " We delivered record fourth quarter results, ending the year with network volume, total revenue and adjusted EBITDA far exceeding our outlook from the start of the year. We grew our network with transformational new lending partnerships and enhanced network monetization, reflecting the value our product can provide. We expect to build on this momentum in 2024 to expand our product ecosy ...