2 4Q'22 Business Highlights Financial Results • Retailer share arrangements decreased (18)% – Decrease driven by the impact of portfolios sold during 2Q'22 and higher net charge-offs, partially offset by higher net interest income 4Q'22 Highlights Accounts Disclaimers This presentation contains certain forward-looking statements as defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are subject to the "safe harbor" creat ...