SHAREHOLDER LETTER Q4 & FULL YEAR 2021 Q4 2021 Q4 2021 Results Q4 Year Ended (in millions, except percentages) 2020 2021 YoY Change 2020 2021 YoY Change Revenue $190.2 $161.6 (15.0) % $584.8 $645.3 10.3 % Transaction Value 1$256.9 $244.9 (4.7) % $815.7 $1,019.0 24.9 % Gross Profit $26.5 $25.4 (4.0) % $85.4 $101.5 18.9 % Contribution 1$30.8 $26.9 (12.8) % $92.6 $107.6 16.2 % Net Income (Loss) $(13.2) $(4.0) 69.9 % $10.6 $(8.5) (180.2) % Adjusted EBITDA 1$18.2 $13.2 (27.2) % $58.1 $58.2 0.2 % ________________ ...