LDI

SEC source: 0001831631-24-000299 · wk-form4_1732663537.xml · derivative · entry 3

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: No plan indicated

Ownership: Indirect · Trilogy Management Investors Seven, LLC

Disclosed balance after: 124,191

Underlying: Class A Common Stock · 88,815 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F2 · date: The transaction date is the date the Reporting Person elected to make the exchange described in footnotes 1 and 3, which exchange will occur effective as of December 1, 2024. This transaction is being reported late due to an inadvertent administrative error in associating the conversion election with the Reporting Person. Additional procedures have been implemented to mitigate future errors.

F3 · kind: The Reporting Person elected to cause Trilogy Management Investors Seven, LLC ("Trilogy Seven") to exchange a portion of the Common Units beneficially owned by the Reporting Person for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged were cancelled for no consideration.

F6 · shares: Represents Common Units held by Trilogy Seven that were exchanged for shares of Class A Common Stock and the cancellation of the corresponding shares of Class C Common Stock on a one-for-one basis as described in footnotes 1 and 3.

F1 · price: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F1 · derivative.exercise_date: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F1 · derivative.expiration_date: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F4 · ownership.nature: The Reporting Person has an indirect interest in a portion of the securities of the Class C Common Stock and the Common Units held by Trilogy Seven. The Reporting Person is disclosing only his indirect interest in these securities and disclaims beneficial ownership of all other securities held by Trilogy Seven. These securities will continue to vest ratably on a monthly basis through June 1, 2025.

F5 · ownership.nature: The reported shares of Class C Common Stock were previously reported by Trilogy Seven through its manager, Anthony Hsieh. In a Form 4 filed on July 25, 2024, Anthony Hsieh changed his reporting methodology. In addition, the Reporting Person previously reported all of the Common Units held by Trilogy Seven. The Reporting Person is now only reporting his interests in Trilogy Seven.

SEC source: 0001831631-24-000299 · wk-form4_1732663537.xml · nonDerivative · entry 2

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 4,062,585

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F2 · date: The transaction date is the date the Reporting Person elected to make the exchange described in footnotes 1 and 3, which exchange will occur effective as of December 1, 2024. This transaction is being reported late due to an inadvertent administrative error in associating the conversion election with the Reporting Person. Additional procedures have been implemented to mitigate future errors.

F3 · kind: The Reporting Person elected to cause Trilogy Management Investors Seven, LLC ("Trilogy Seven") to exchange a portion of the Common Units beneficially owned by the Reporting Person for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged were cancelled for no consideration.

SEC source: 0001831631-24-000299 · wk-form4_1732663537.xml · nonDerivative · entry 1

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: No plan indicated

Ownership: Indirect · Trilogy Management Investors Seven, LLC

Disclosed balance after: 124,191

F1 · security: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F2 · date: The transaction date is the date the Reporting Person elected to make the exchange described in footnotes 1 and 3, which exchange will occur effective as of December 1, 2024. This transaction is being reported late due to an inadvertent administrative error in associating the conversion election with the Reporting Person. Additional procedures have been implemented to mitigate future errors.

F3 · kind: The Reporting Person elected to cause Trilogy Management Investors Seven, LLC ("Trilogy Seven") to exchange a portion of the Common Units beneficially owned by the Reporting Person for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged were cancelled for no consideration.

F4 · ownership.nature: The Reporting Person has an indirect interest in a portion of the securities of the Class C Common Stock and the Common Units held by Trilogy Seven. The Reporting Person is disclosing only his indirect interest in these securities and disclaims beneficial ownership of all other securities held by Trilogy Seven. These securities will continue to vest ratably on a monthly basis through June 1, 2025.

F5 · ownership.nature: The reported shares of Class C Common Stock were previously reported by Trilogy Seven through its manager, Anthony Hsieh. In a Form 4 filed on July 25, 2024, Anthony Hsieh changed his reporting methodology. In addition, the Reporting Person previously reported all of the Common Units held by Trilogy Seven. The Reporting Person is now only reporting his interests in Trilogy Seven.

SEC source: 0001831631-24-000287 · wk-form4_1731967825.xml · nonDerivative · entry 2

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 7,210,129

F3 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.42 to $2.545. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F2 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of the JLSSAA Trust.

SEC source: 0001831631-24-000287 · wk-form4_1731967825.xml · nonDerivative · entry 1

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 7,333,888

F1 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.465 to $2.605. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F2 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of the JLSSAA Trust.

SEC source: 0001831631-24-000275 · wk-form4_1731111723.xml · derivative · entry 5

Martell Frank · CIK 0001387655 · Director · CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 624,114

Underlying: Class A Common Stock · 624,114 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000275 · wk-form4_1731111723.xml · nonDerivative · entry 2

Martell Frank · CIK 0001387655 · Director · CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 482,589

SEC source: 0001831631-24-000275 · wk-form4_1731111723.xml · nonDerivative · entry 1

Martell Frank · CIK 0001387655 · Director · CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 640,739

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000281 · wk-form4_1731112110.xml · derivative · entry 3

Grassi Joseph J III · CIK 0001609095 · Chief Risk Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 92,198

Underlying: Class A Common Stock · 92,198 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000281 · wk-form4_1731112110.xml · nonDerivative · entry 2

Grassi Joseph J III · CIK 0001609095 · Chief Risk Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 75,909

SEC source: 0001831631-24-000281 · wk-form4_1731112110.xml · nonDerivative · entry 1

Grassi Joseph J III · CIK 0001609095 · Chief Risk Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 89,785

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000278 · wk-form4_1731111950.xml · derivative · entry 4

DerGurahian Jeffrey Michael · CIK 0001655938 · Chief Investment Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 141,844

Underlying: Class A Common Stock · 141,844 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000278 · wk-form4_1731111950.xml · nonDerivative · entry 2

DerGurahian Jeffrey Michael · CIK 0001655938 · Chief Investment Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 460,582

SEC source: 0001831631-24-000278 · wk-form4_1731111950.xml · nonDerivative · entry 1

DerGurahian Jeffrey Michael · CIK 0001655938 · Chief Investment Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 488,490

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000282 · wk-form4_1731112182.xml · derivative · entry 3

Smallwood Gregory · CIK 0001829106 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 92,198

Underlying: Class A Common Stock · 92,198 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000282 · wk-form4_1731112182.xml · nonDerivative · entry 2

Smallwood Gregory · CIK 0001829106 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 129,435

SEC source: 0001831631-24-000282 · wk-form4_1731112182.xml · nonDerivative · entry 1

Smallwood Gregory · CIK 0001829106 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 140,661

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000283 · wk-form4_1731112320.xml · derivative · entry 4

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 141,844

Underlying: Class A Common Stock · 141,844 shares

Expires not disclosed

F3 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F3 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F3 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000283 · wk-form4_1731112320.xml · nonDerivative · entry 3

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 3,973,770

SEC source: 0001831631-24-000283 · wk-form4_1731112320.xml · nonDerivative · entry 2

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 4,009,713

F3 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000283 · wk-form4_1731112320.xml · nonDerivative · entry 1

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 3,938,792

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 21, 2024.

F2 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.50 to $2.565. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

SEC source: 0001831631-24-000279 · wk-form4_1731112014.xml · derivative · entry 3

Graeler Darren · CIK 0001983414 · EVP, Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 21,276

Underlying: Class A Common Stock · 21,276 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000279 · wk-form4_1731112014.xml · nonDerivative · entry 2

Graeler Darren · CIK 0001983414 · EVP, Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 282,326

SEC source: 0001831631-24-000279 · wk-form4_1731112014.xml · nonDerivative · entry 1

Graeler Darren · CIK 0001983414 · EVP, Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 286,122

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000276 · wk-form4_1731111809.xml · derivative · entry 3

Hayes David R · CIK 0001983403 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 234,042

Underlying: Class A Common Stock · 234,042 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving of one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving of one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving of one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000276 · wk-form4_1731111809.xml · nonDerivative · entry 2

Hayes David R · CIK 0001983403 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 200,417

SEC source: 0001831631-24-000276 · wk-form4_1731111809.xml · nonDerivative · entry 1

Hayes David R · CIK 0001983403 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 242,171

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving of one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000277 · wk-form4_1731111872.xml · derivative · entry 3

Binowitz Dan · CIK 0001942324 · Managing Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 141,844

Underlying: Class A Common Stock · 141,844 shares

Expires not disclosed

F1 · derivative.exercise_price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.exercise_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

F1 · derivative.expiration_date: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000277 · wk-form4_1731111872.xml · nonDerivative · entry 2

Binowitz Dan · CIK 0001942324 · Managing Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 885,197

SEC source: 0001831631-24-000277 · wk-form4_1731111872.xml · nonDerivative · entry 1

Binowitz Dan · CIK 0001942324 · Managing Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 910,502

F1 · price: Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest ratably on April 15, 2026, and April 15, 2027.

SEC source: 0001831631-24-000263 · wk-form4_1730504033.xml · nonDerivative · entry 2

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 7,479,960

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 30, 2024.

F4 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.065 to $2.145. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of the JLSSAA Trust.

SEC source: 0001831631-24-000263 · wk-form4_1730504033.xml · nonDerivative · entry 1

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 7,672,258

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 30, 2024.

F2 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.105 to $2.145. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of the JLSSAA Trust.

SEC source: 0001831631-24-000255 · wk-form4_1729543355.xml · derivative · entry 7

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · Trilogy Mortgage Holdings, Inc.

Disclosed balance after: 43,945,633

Underlying: Class A Common Stock · 5,000,000 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F2 · kind: The reporting person elected to cause Trilogy Mortgage Holdings, Inc. to exchange a portion of the Common Units held for the reporting person's benefit by such entity for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged for Class A Common Stock were cancelled for no consideration.

F1 · price: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F1 · derivative.exercise_date: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F1 · derivative.expiration_date: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F3 · ownership.nature: The reporting person has voting and investment power over the shares of Class C Common Stock held by Trilogy Mortgage Holdings, Inc., JLSA, LLC and Trilogy Management Investors Six, LLC.

SEC source: 0001831631-24-000255 · wk-form4_1729543355.xml · nonDerivative · entry 2

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 7,927,686

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F2 · kind: The reporting person elected to cause Trilogy Mortgage Holdings, Inc. to exchange a portion of the Common Units held for the reporting person's benefit by such entity for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged for Class A Common Stock were cancelled for no consideration.

F4 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000255 · wk-form4_1729543355.xml · nonDerivative · entry 1

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By Trilogy Mortgage Holdings, Inc.

Disclosed balance after: 43,945,633

F1 · security: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F2 · kind: The reporting person elected to cause Trilogy Mortgage Holdings, Inc. to exchange a portion of the Common Units held for the reporting person's benefit by such entity for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged for Class A Common Stock were cancelled for no consideration.

F3 · ownership.nature: The reporting person has voting and investment power over the shares of Class C Common Stock held by Trilogy Mortgage Holdings, Inc., JLSA, LLC and Trilogy Management Investors Six, LLC.

SEC source: 0001831631-24-000253 · wk-form4_1729120396.xml · nonDerivative · entry 3

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 2,927,686

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 30, 2024.

F6 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.055 to 2.085. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F4 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000253 · wk-form4_1729120396.xml · nonDerivative · entry 2

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 2,946,492

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 30, 2024.

F5 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.035 to $2.115. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F4 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000253 · wk-form4_1729120396.xml · nonDerivative · entry 1

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 3,154,253

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 30, 2024.

F2 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.015 to $2.140. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F3 · balance_after: The Reporting Person transferred 30,881 directly held shares to the JLSSAA Trust on August 12, 2024.

F4 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000250 · wk-form4_1728001237.xml · nonDerivative · entry 2

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 4,005,458

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 21, 2024.

F3 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.64 to $2.73. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

SEC source: 0001831631-24-000250 · wk-form4_1728001237.xml · nonDerivative · entry 1

Walsh Jeff Alexander · CIK 0001842775 · President, LDI Mortgage

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 4,035,317

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 21, 2024.

F2 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.62 to $2.70. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

SEC source: 0001831631-24-000242 · wk-form4_1726864349.xml · derivative · entry 7

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 3,114,521

Underlying: Class A Common Stock · 1,500,000 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F2 · kind: The reporting person elected to cause JLSSAA Trust to exchange a portion of the Common Units held for their benefit by such entity for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged for Class A Common Stock were cancelled for no consideration.

F1 · price: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F1 · derivative.exercise_date: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F1 · derivative.expiration_date: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000242 · wk-form4_1726864349.xml · nonDerivative · entry 2

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 3,365,727

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F2 · kind: The reporting person elected to cause JLSSAA Trust to exchange a portion of the Common Units held for their benefit by such entity for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged for Class A Common Stock were cancelled for no consideration.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000242 · wk-form4_1726864349.xml · nonDerivative · entry 1

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 3,114,521

F1 · security: In the reorganization transactions related to Issuer's IPO, shares of Issuer's Class C Common Stock, par value $0.001 ("Class C Common Stock"), were issued to certain holders of LD Holdings Group LLC ("LD Holdings") Class A Common Units ("Common Units") equal to the number of Common Units held by such holders. Pursuant to the Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, holders of Common Units may, subject to certain exceptions, from time to time require LD Holdings to redeem all or a portion of their Common Units (together with an equal number of shares of Class C Common Stock) in exchange for, at the Issuer's election (determined solely by a majority of the Issuer's directors who are disinterested), newly issued shares of Class A Common Stock, par value $0.001 ("Class A Common Stock") of the Issuer on a one-for-one basis or a cash payment equal to an average market price of one share of Class A Common Stock for each Common Unit so redeemed.

F2 · kind: The reporting person elected to cause JLSSAA Trust to exchange a portion of the Common Units held for their benefit by such entity for an equal number of shares of Class A Common Stock. The shares of Class C Common Stock corresponding to the Common Units that were exchanged for Class A Common Stock were cancelled for no consideration.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000240 · wk-form4_1726694042.xml · derivative · entry 3

Smallwood Gregory · CIK 0001829106 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 125,000

Underlying: Class A Common Stock · 62,500 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive, at settlement, one share of Class A Common Stock.

F2 · derivative.exercise_date: The RSUs are scheduled to vest ratably on each of September 15, 2025 and September 15, 2026.

F2 · derivative.expiration_date: The RSUs are scheduled to vest ratably on each of September 15, 2025 and September 15, 2026.

SEC source: 0001831631-24-000240 · wk-form4_1726694042.xml · nonDerivative · entry 2

Smallwood Gregory · CIK 0001829106 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 94,562

SEC source: 0001831631-24-000240 · wk-form4_1726694042.xml · nonDerivative · entry 1

Smallwood Gregory · CIK 0001829106 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 109,781

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive, at settlement, one share of Class A Common Stock.

SEC source: 0001831631-24-000238 · wk-form4_1726523299.xml · nonDerivative · entry 4

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 1,865,727

F6 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.34 to $2.68. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000238 · wk-form4_1726523299.xml · nonDerivative · entry 3

Hsieh Anthony Li · CIK 0001655400 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By JLSSAA Trust

Disclosed balance after: 1,873,868

F1 · kind: Effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 30, 2024.

F5 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $2.34 to $2.675 The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

F3 · ownership.nature: As trustee, Anthony Hsieh has voting and investment power over the assets of The JLSSAA Trust ("JLSSAA Trust").

SEC source: 0001831631-24-000236 · wk-form4_1726523033.xml · derivative · entry 3

Grassi Joseph J III · CIK 0001609095 · Chief Risk Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 62,500

Underlying: Class A Common Stock · 31,250 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive, at settlement, one share of Class A Common Stock.

F2 · derivative.exercise_date: The RSUs are scheduled to vest ratably on each of September 12, 2025, and September 12, 2026.

F2 · derivative.expiration_date: The RSUs are scheduled to vest ratably on each of September 12, 2025, and September 12, 2026.

SEC source: 0001831631-24-000236 · wk-form4_1726523033.xml · nonDerivative · entry 2

Grassi Joseph J III · CIK 0001609095 · Chief Risk Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 43,686