0001580560 2024-01-01 2024-12-31 0001580560 2023-01-01 2023-12-31 0001580560 2022-01-01 2022-12-31 0001580560 2021-01-01 2021-12-31 0001580560 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0001580560 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0001580560 2 2024-01-01 2024-12-31 0001580560 1 2024-01-01 2024-12-31 iso4217:USD pure DEF 14A false 0001580560 FLYWIRE CORPORATION <div id="toc917810_43" style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">PAY VERSUS PERFORMANCE </div></div></div></div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">As required by applicable SEC rules, we are providing the following information about the relationship of compensation actually paid to our principal executive officer (PEO) and other NEOs and certain of our peers’ performance. For further information concerning our pay for performance philosophy and how our executive compensation aligns with our performance, refer to “Executive Compensation – Compensation Discussion and Analysis” above. </div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">PAY VERSUS PERFORMANCE TABLE </div><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:16%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="2" rowspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AVERAGE</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">SUMMARY<br/> COMPENSATION<br/> TABLE</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">TOTAL FOR<br/> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">NON-PEO</div><br/> NEOS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(3)</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">(d)</div></div></td> <td rowspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="2" rowspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AVERAGE<br/> COMPENSATION<br/> ACTUALLY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PAID</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">TO <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">NON-PEO</div><br/> NEOS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(4)</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">(e)</div></div></td> <td rowspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td colspan="6" style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OF INITIAL FIXED $100<br/> INVESTMENT BASED ON:</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR<br/>  (a)</div></div></td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">SUMMARY<br/> COMPENSATION<br/> TABLE TOTAL<br/> FOR PEO<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(1)</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">(b)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">COMPENSATION<br/> ACTUALLY PAID<br/> TO PEO<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(2)</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">(c)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">TOTAL<br/> SHAREHOLDER<br/> RETURN<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(5)</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">(f)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap"><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PEER</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GROUP</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">TOTAL<br/> SHAREHOLDER<br/> RETURN<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(6)</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">(g)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">NET<br/> INCOME<br/> (LOSS)<br/> (MILLIONS)<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(7)</div><br/> (h)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">REVENUE<br/> LESS<br/> ANCILLARY<br/> SERVICES<br/> (MILLIONS)<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(8)</div><br/> (i)</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$9,998,817</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 6,452,629</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$5,129,615</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 3,130,182</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 86</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$190</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 2.9</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$474.2</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt"> <td style="padding-bottom:6pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2023</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$8,674,650</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 8,251,940</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$3,721,039</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 3,521,333</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 96</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$140</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">($ 8.6</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">) </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$377.1</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2022</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$7,070,674</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">($ 4,643,996</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">) </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$3,133,530</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">($ 1,252,929</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">) </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$102</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$ 89</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">($39.3</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">) </td> <td style="vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">$257.1</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2021</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$4,768,798</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$40,706,656</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$2,685,819</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$21,188,572</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$159</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$126</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">($28.1</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom;text-align:right">$181.1</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (b) are the amounts of total compensation reported for Mr. Massaro (our Chief Executive Officer) for each corresponding year in the Total column of the Summary Compensation Table. Refer to Executive Compensation – Summary Compensation Table. </div></div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (c) represent the amount of compensation actually paid to Mr. Massaro, as computed in accordance with Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K.</div> The dollar amounts do not reflect the actual amount of compensation earned by or paid to Mr. Massaro during the applicable year. In accordance with the requirements of Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K,</div> the following adjustments were made to Mr. Massaro’s total compensation for each year to determine the compensation actually paid: </div></div></td></tr></table><div style="font-size:18pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:26%"></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">REPORTED<br/> SUMMARY<br/> COMPENSATION<br/> TABLE TOTAL<br/> FOR PEO</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">       REPORTED<br/> VALUE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARD<br/>        ADJUSTMENTS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">       COMPENSATION<br/> ACTUALLY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PAID TO PEO</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom;text-align:right">9,998,817</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">($9,295,443)</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom;text-align:right">5,749,255</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom;text-align:right">6,452,629</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(a)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The grant date fair value of equity awards represents the total of the amounts reported in the Stock Awards and Option Awards columns in the Summary Compensation Table for the applicable year. </div></div></td></tr></table><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(b)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The equity award adjustments for each applicable year include the addition (or subtraction, as applicable) of the following: (i) the <div style="white-space:nowrap;display:inline;">year-end</div> fair value of any equity awards granted in the applicable year that are outstanding and unvested as of the end of the year; (ii) the amount of change as of the end of the applicable year (from the end of the prior fiscal year) in fair value of any awards granted in prior years that are outstanding and unvested as of the end of the applicable year; (iii) for awards that are granted and vest in same applicable year, the fair value as of the vesting date; (iv) for awards granted in prior years that vest in the applicable year, the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in fair value; (v) for awards granted in prior years that are determined to fail to meet the applicable vesting conditions during the applicable year, a deduction for the amount equal to the fair value at the end of the prior fiscal year; and (vi) the dollar value of any dividends or other earnings paid on stock or option awards in the applicable year prior to the vesting date that are not otherwise reflected in the fair value of such award or included in any other component of total compensation for the applicable year. The valuation methodology used to calculate fair values did not materially differ from those disclosed at the time of grant and include current economic assumptions as of the applicable valuation dates. The amounts deducted or added in calculating the equity award adjustments are as follows: </div></div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"></div></div> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:94%;border-spacing:0;margin-left:auto"> <tr> <td style="width:17%"></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR END<br/> FAIR VALUE OF<br/> UNVESTED<br/> EQUITY<br/> AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN<br/> THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR OVER YEAR<br/> CHANGE IN FAIR</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OF<br/> OUTSTANDING AND</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">UNVESTED EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS </div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN </div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PRIOR YEARS</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">FAIR VALUE AS OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VESTING DATE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED AND</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VESTED IN THE</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR OVER<br/> YEAR CHANGE<br/> IN FAIR VALUE</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">OF EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PRIOR YEARS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">THAT VESTED IN</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">FAIR VALUE AT<br/> THE END OF THE<br/> PRIOR YEAR OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY AWARDS<br/> THAT FAILED TO</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">MEET VESTING</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">CONDITIONS IN</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">DIVIDENDS OR<br/> OTHER EARNINGS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PAID ON STOCK OR<br/> OPTION AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">NOT OTHERWISE</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">REFLECTED IN FAIR</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OR TOTAL</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">COMPENSATION</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">TOTAL EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARD</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">ADJUSTMENTS</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 7pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$7,028,678</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">($796,523)</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">($482,900)</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$5,749,255</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(3)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (d) represent the average of the amounts reported for our NEOs as a group (excluding Mr. Massaro, who has served as our CEO since 2013) in the Total column of the Summary Compensation Table in each applicable year. The names of each of the NEOs (excluding Mr. Massaro) included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2024, Robert Orgel, Michael Ellis, Peter Butterfield, David King, and Cosmin Pitigoi, (ii) for 2023, Robert Orgel, Michael Ellis, Peter Butterfield and David King, (iii) for 2022, Robert Orgel, Michael Ellis, Sharon Butler and David King; and (iv) for 2021, Robert Orgel and Michael Ellis. </div></div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(4)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (e) represent the average amount of compensation actually paid to the NEOs as a group (excluding Mr. Massaro), as computed in accordance with Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K.</div> The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the NEOs as a group (excluding Mr. Massaro) during the applicable year. In accordance with the requirements of Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K,</div> the following adjustments were made to average total compensation for the NEOs as a group (excluding Mr. Massaro) for each year to determine the compensation actually paid, using the same methodology described above in Footnote (2) above: </div></div></td></tr></table><div style="font-size:14pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">AVERAGE<br/> REPORTED<br/> SUMMARY<br/> COMPENSATION<br/> TABLE TOTAL<br/> FOR <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">NON-PEO</div><br/> NEOS</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AVERAGE<br/>     REPORTED<br/> VALUE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">AVERAGE<br/> EQUITY AWARD<br/>     ADJUSTMENTS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AVERAGE<br/>     COMPENSATION<br/> ACTUALLY PAID<br/> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">TO NON-PEO</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">NEOS</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">5,129,615</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">4,681,744</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">2,682,311</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">3,130,182</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(a)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The grant date fair value of equity awards represents the total of the amounts reported in the Stock Awards and Option Awards columns in the Summary Compensation Table for the applicable year. </div></div></td></tr></table><div style="font-size:8pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(b)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The amounts deducted or added in calculating the total average equity award adjustments are as follows: </div></div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:17%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">YEAR END FAIR<br/> VALUE OF<br/> UNVESTED<br/> EQUITY<br/> AWARDS<br/> GRANTED IN<br/> THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR OVER YEAR<br/> CHANGE IN FAIR<br/> VALUE OF<br/> OUTSTANDING AND<br/> UNVESTED EQUITY<br/> AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN<br/> PRIOR YEARS</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">FAIR VALUE AS OF<br/> VESTING DATE OF<br/> EQUITY AWARDS<br/> GRANTED AND<br/> VESTED IN THE<br/> YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">YEAR OVER<br/> YEAR CHANGE<br/> IN FAIR VALUE<br/> OF EQUITY<br/> AWARDS<br/> GRANTED IN<br/> PRIOR YEARS<br/> THAT VESTED<br/> IN THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">FAIR VALUE AT<br/> THE END OF THE<br/> PRIOR YEAR OF<br/> EQUITY AWARDS<br/> THAT FAILED TO<br/> MEET VESTING<br/> CONDITIONS IN<br/> THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">VALUE OF<br/> DIVIDENDS OR<br/> OTHER EARNINGS<br/> PAID ON STOCK OR<br/> OPTION AWARDS<br/> NOT OTHERWISE<br/> REFLECTED IN FAIR<br/> VALUE OR TOTAL<br/> COMPENSATION</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">TOTAL EQUITY<br/> AWARD<br/> ADJUSTMENTS</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">3,338,625</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">153,222</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">122,132</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">380,961</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">2,682,311</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(5)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (f) represent our cumulative total shareholder return (TSR). Cumulative TSR is calculated by dividing the sum of the cumulative amount of dividends for the measurement period, assuming dividend reinvestment, and the difference between the price per share of our common stock at the end and the beginning of the measurement period by the price per share of our common stock at the beginning of the measurement period. For this purpose, the measurement period begins at the initial public offering in May 2021. </div></div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(6)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The peer group used for purposes of column (g) is the S&amp;P 500 - Information Technology index. </div></div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(7)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported represent the amount of net income (loss) reflected in our audited financial statements for the applicable year. </div></div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(8)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">Our People &amp; Compensation Committee utilized Revenue Less Ancillary Services for the year ended December 31, 2024 of $474.2 million, which excludes revenue from the Invoiced acquisition and adjusts to remove foreign currency exchange rate fluctuations. Our Revenue Less Ancillary Services for the year ended December 31, 2023 was adjusted to $377.1 million based on <div style="white-space:nowrap;display:inline;">pre-determined</div> adjustments related to excluding revenue from the StudyLink acquisition and the revenue portion for the Travel business above an internal target was discounted 50%. While we use numerous financial and <div style="white-space:nowrap;display:inline;">non-financial</div> performance measures for the purpose of evaluating performance for our compensation programs, we have determined that Revenue Less Ancillary Services is the financial performance measure that, in our assessment, represents the most important performance measure (that is not otherwise required to be disclosed in the table) used by us to link compensation actually paid to the our NEOs, for the most recently completed fiscal year, to our performance. </div></div></td></tr></table> 9998817 6452629 5129615 3130182 86 190 2900000 474200000 8674650 8251940 3721039 3521333 96 140 -8600000 377100000 7070674 -4643996 3133530 -1252929 102 89 -39300000 257100000 4768798 40706656 2685819 21188572 159 126 -28100000 181100000 Mr. Massaro Mr. Massaro Mr. Massaro <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (c) represent the amount of compensation actually paid to Mr. Massaro, as computed in accordance with Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K.</div> The dollar amounts do not reflect the actual amount of compensation earned by or paid to Mr. Massaro during the applicable year. In accordance with the requirements of Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K,</div> the following adjustments were made to Mr. Massaro’s total compensation for each year to determine the compensation actually paid: </div></div></td></tr></table><div style="font-size:18pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:26%"></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">REPORTED<br/> SUMMARY<br/> COMPENSATION<br/> TABLE TOTAL<br/> FOR PEO</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">       REPORTED<br/> VALUE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARD<br/>        ADJUSTMENTS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">       COMPENSATION<br/> ACTUALLY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PAID TO PEO</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom;text-align:right">9,998,817</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;vertical-align:bottom;text-align:right">($9,295,443)</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom;text-align:right">5,749,255</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom;text-align:right">6,452,629</td> <td style="padding-bottom:6pt ;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(a)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The grant date fair value of equity awards represents the total of the amounts reported in the Stock Awards and Option Awards columns in the Summary Compensation Table for the applicable year. </div></div></td></tr></table><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(b)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The equity award adjustments for each applicable year include the addition (or subtraction, as applicable) of the following: (i) the <div style="white-space:nowrap;display:inline;">year-end</div> fair value of any equity awards granted in the applicable year that are outstanding and unvested as of the end of the year; (ii) the amount of change as of the end of the applicable year (from the end of the prior fiscal year) in fair value of any awards granted in prior years that are outstanding and unvested as of the end of the applicable year; (iii) for awards that are granted and vest in same applicable year, the fair value as of the vesting date; (iv) for awards granted in prior years that vest in the applicable year, the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in fair value; (v) for awards granted in prior years that are determined to fail to meet the applicable vesting conditions during the applicable year, a deduction for the amount equal to the fair value at the end of the prior fiscal year; and (vi) the dollar value of any dividends or other earnings paid on stock or option awards in the applicable year prior to the vesting date that are not otherwise reflected in the fair value of such award or included in any other component of total compensation for the applicable year. The valuation methodology used to calculate fair values did not materially differ from those disclosed at the time of grant and include current economic assumptions as of the applicable valuation dates. The amounts deducted or added in calculating the equity award adjustments are as follows: </div></div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"></div></div> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:94%;border-spacing:0;margin-left:auto"> <tr> <td style="width:17%"></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR END<br/> FAIR VALUE OF<br/> UNVESTED<br/> EQUITY<br/> AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN<br/> THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR OVER YEAR<br/> CHANGE IN FAIR</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OF<br/> OUTSTANDING AND</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">UNVESTED EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS </div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN </div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PRIOR YEARS</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">FAIR VALUE AS OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VESTING DATE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED AND</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VESTED IN THE</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR OVER<br/> YEAR CHANGE<br/> IN FAIR VALUE</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">OF EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PRIOR YEARS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">THAT VESTED IN</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">FAIR VALUE AT<br/> THE END OF THE<br/> PRIOR YEAR OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY AWARDS<br/> THAT FAILED TO</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">MEET VESTING</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">CONDITIONS IN</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">DIVIDENDS OR<br/> OTHER EARNINGS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">PAID ON STOCK OR<br/> OPTION AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">NOT OTHERWISE</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">REFLECTED IN FAIR</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">VALUE OR TOTAL</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">COMPENSATION</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">TOTAL EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARD</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">ADJUSTMENTS</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 7pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$7,028,678</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">($796,523)</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">($482,900)</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">$5,749,255</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 9998817 -9295443 5749255 6452629 7028678 -796523 0 -482900 0 0 5749255 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(3)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (d) represent the average of the amounts reported for our NEOs as a group (excluding Mr. Massaro, who has served as our CEO since 2013) in the Total column of the Summary Compensation Table in each applicable year. The names of each of the NEOs (excluding Mr. Massaro) included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2024, Robert Orgel, Michael Ellis, Peter Butterfield, David King, and Cosmin Pitigoi, (ii) for 2023, Robert Orgel, Michael Ellis, Peter Butterfield and David King, (iii) for 2022, Robert Orgel, Michael Ellis, Sharon Butler and David King; and (iv) for 2021, Robert Orgel and Michael Ellis. </div></div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(4)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (e) represent the average amount of compensation actually paid to the NEOs as a group (excluding Mr. Massaro), as computed in accordance with Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K.</div> The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the NEOs as a group (excluding Mr. Massaro) during the applicable year. In accordance with the requirements of Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K,</div> the following adjustments were made to average total compensation for the NEOs as a group (excluding Mr. Massaro) for each year to determine the compensation actually paid, using the same methodology described above in Footnote (2) above: </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(4)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The dollar amounts reported in column (e) represent the average amount of compensation actually paid to the NEOs as a group (excluding Mr. Massaro), as computed in accordance with Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K.</div> The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the NEOs as a group (excluding Mr. Massaro) during the applicable year. In accordance with the requirements of Item 402(v) of Regulation <div style="white-space:nowrap;display:inline;">S-K,</div> the following adjustments were made to average total compensation for the NEOs as a group (excluding Mr. Massaro) for each year to determine the compensation actually paid, using the same methodology described above in Footnote (2) above: </div></div></td></tr></table><div style="font-size:14pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:8%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">AVERAGE<br/> REPORTED<br/> SUMMARY<br/> COMPENSATION<br/> TABLE TOTAL<br/> FOR <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">NON-PEO</div><br/> NEOS</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AVERAGE<br/>     REPORTED<br/> VALUE OF</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">EQUITY</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AWARDS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">AVERAGE<br/> EQUITY AWARD<br/>     ADJUSTMENTS<div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">AVERAGE<br/>     COMPENSATION<br/> ACTUALLY PAID<br/> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">TO NON-PEO</div></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">NEOS</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">5,129,615</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">4,681,744</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">2,682,311</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom">  </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">3,130,182</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(a)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The grant date fair value of equity awards represents the total of the amounts reported in the Stock Awards and Option Awards columns in the Summary Compensation Table for the applicable year. </div></div></td></tr></table><div style="font-size:8pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">(b)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: left; line-height: normal;"><div style="color: rgb(51, 51, 51); letter-spacing: 0px; top: 0px;display:inline;">The amounts deducted or added in calculating the total average equity award adjustments are as follows: </div></div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:17%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt"> <td style="padding-bottom:6pt ;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;"> YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">YEAR END FAIR<br/> VALUE OF<br/> UNVESTED<br/> EQUITY<br/> AWARDS<br/> GRANTED IN<br/> THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">YEAR OVER YEAR<br/> CHANGE IN FAIR<br/> VALUE OF<br/> OUTSTANDING AND<br/> UNVESTED EQUITY<br/> AWARDS</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: ARIAL; text-align: right; line-height: normal;"><div style="font-weight:bold;display:inline;">GRANTED IN<br/> PRIOR YEARS</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">FAIR VALUE AS OF<br/> VESTING DATE OF<br/> EQUITY AWARDS<br/> GRANTED AND<br/> VESTED IN THE<br/> YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">YEAR OVER<br/> YEAR CHANGE<br/> IN FAIR VALUE<br/> OF EQUITY<br/> AWARDS<br/> GRANTED IN<br/> PRIOR YEARS<br/> THAT VESTED<br/> IN THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">FAIR VALUE AT<br/> THE END OF THE<br/> PRIOR YEAR OF<br/> EQUITY AWARDS<br/> THAT FAILED TO<br/> MEET VESTING<br/> CONDITIONS IN<br/> THE YEAR</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">VALUE OF<br/> DIVIDENDS OR<br/> OTHER EARNINGS<br/> PAID ON STOCK OR<br/> OPTION AWARDS<br/> NOT OTHERWISE<br/> REFLECTED IN FAIR<br/> VALUE OR TOTAL<br/> COMPENSATION</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="2" style="padding-bottom:6pt ;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">TOTAL EQUITY<br/> AWARD<br/> ADJUSTMENTS</div></div></td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt;background-color:#e8f4ff"> <td style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td> <td colspan="4" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt;background-color:#e8f4ff"> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1em; font-size: 8pt; font-family: ARIAL; line-height: normal;"><div style="color: rgb(35, 147, 255); letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bold;display:inline;">2024</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">3,338,625</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">153,222</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">122,132</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">($</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">380,961</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">) </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">0</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #2393ff;vertical-align:bottom"> </td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom">$</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom;text-align:right">2,682,311</td> <td style="padding-bottom:6pt ;BORDER-BOTTOM:0.75pt solid #2393ff;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 5129615 -4681744 2682311 3130182 3338625 -153222 0 -122132 -380961 0 2682311 The peer group used for purposes of column (g) is the S&amp;P 500 - Information Technology index. Revenue Less Ancillary Services 474200000 377100000 0.50 <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">FINANCIAL PERFORMANCE MEASURES </div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">As described in greater detail in the section “Executive Compensation – Compensation Discussion and Analysis” above, our executive compensation program reflects a pay for performance philosophy. Annual performance-based cash bonuses are tied primarily to achievement of corporate short-term financial goals and, for certain executives, individual performance. Long term incentive awards deliver value based on the performance of our common stock. The most important financial performance measures used by us to link executive compensation actually paid to our NEOs, for the most recently completed fiscal year, to our performance are as follows: </div><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:6%"> </td> <td style="width:3%;vertical-align:top;text-align:left">•</td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: ARIAL; font-size: 9pt; text-align: left; line-height: normal;">Revenue Less Ancillary Services; and </div></td></tr></table><div style="font-size:10pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:6%"> </td> <td style="width:3%;vertical-align:top;text-align:left">•</td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: ARIAL; font-size: 9pt; text-align: left; line-height: normal;">Adjusted EBITDA </div></td></tr></table> Revenue Less Ancillary Services Adjusted EBITDA <div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">COMPENSATION ACTUALLY PAID AND CUMULATIVE TSR </div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">As demonstrated by the following graph, the amount of compensation actually paid (CAP) to Mr. Massaro and the average amount of compensation actually paid to our NEOs as a group (excluding Mr. Massaro) is aligned with our cumulative TSR over the four years presented in the table. The alignment of compensation actually paid with our cumulative TSR over the period presented is because a significant portion of the compensation actually paid to Mr. Massaro and to the other NEOs is comprised of equity awards. As described in more detail in the section “Executive Compensation – Compensation Discussion and Analysis” above, in Fiscal 2024, we granted an average of over 80% of our NEOs’ target direct compensation as equity-based compensation in the form of RSUs. </div><div style="font-size:14pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt;margin-bottom:0pt;text-align:center"> <img alt="LOGO" src="g917810g21s21.jpg" style="width:5.51042in;height:3.01042in"/> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">COMPENSATION ACTUALLY PAID AND NET INCOME (LOSS) </div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">As demonstrated by the following table, the amount of compensation actually paid (CAP) to Mr. Massaro and the average amount of compensation actually paid to our NEOs as a group (excluding Mr. Massaro) is generally aligned with our net income (loss) over the four years presented in the table. Due to the emphasis we place on equity compen<div style="letter-spacing: 0px; top: 0px;display:inline;">satio</div>n, stock return is the primary driver of CAP for the four years shown in the chart. Equity compensation is sensitive to stock prices. </div><div style="font-size:14pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt;margin-bottom:0pt;text-align:center"> <img alt="LOGO" src="g917810g22s22.jpg" style="width:5.51042in;height:3.01042in"/> </div> <div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">COMPENSATION ACTUALLY PAID AND REVENUE LESS ANCILLARY SERVICES </div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">As demonstrated by the following graph, the amount of compensation actually paid to Mr. Massaro and the average amount of compensation actually paid to our NEOs as a group (excluding Mr. Massaro) is not aligned with our Revenue Less Ancillary Services, as modified by our Compensation Committee, over the four years presented in the table. This is largely due to the emphasis we place on equity compensation, which is sensitive to stock price changes. </div><div style="font-size:14pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt;margin-bottom:0pt;text-align:center"> <img alt="LOGO" src="g917810g23s23.jpg" style="width:5.51042in;height:3.01042in"/><br/></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">OUR CUMULATIVE TSR AND CUMULATIVE TSR OF THE PEER GROUP </div><div style="margin-top:10pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL">As demonstrated by the following graph, our cumulative TSR over the four-year period presented in the table was <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">-14.1%,</div> while the cumulative TSR of the peer group presented for this purpose, S&amp;P 500 – Information Technology Sector, was 89.5% over the four years presented in the table. Our cumulative TSR underperformed the S&amp;P 500 – Information Technology Sector during the four years presented in the table. For more information regarding our performance and the peer group of companies that our Compensation Committee considers when determining compensation, refer to Executive Compensation – Compensation Discussion and Analysis. </div><div style="font-size:14pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt;margin-bottom:0pt;text-align:center"> <img alt="LOGO" src="g917810g24s24.jpg" style="width:5.51042in;height:3.01042in"/> </div>