Ann: Strong Momentum Continues in Q4 after Record Q3 (App 4C), page-55

APT is the most successful BNPL in the world - they are the best marketing machine in this space and I admire what they do - I hope SPT will take APT as an example of how to do marketing now that they have $100m in the bank.

I wanted to show that Q3 numbers are not something unique to SPT (the 8% vs 9%) it's based on seasonality of shopping behavior - it was meant to show all those who said that Q3 numbers are rubbish.

I apologize if you got it wrong