Blend Labs, Inc. Q3 2023 Earnings Supplemental Slides NOVEMBER 7, 2023 Forward-Looking Statements and Non-GAAP Financial Measures This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which statements involve substantial risks and uncertainties. Forward-looking statements generally relate to future events or Blend's future financial or operating performance. IIn so ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 The Company has classified cash that is not available for use in its operations as restricted cash. Restricted cash consists primarily of collateral for letters of credit related to sec ...

Blend Labs, Inc. (NYSE:BLND) Q2 2023 Earnings Conference Call August 9, 2023 4:30 PM ET Company Participants Winnie Ling - Head, Legal Nima Ghamsari - Co-Founder, Chairman, CEO & Head, Blend Bryan Michaleski - IR Amir Jafari - Head, Finance & Administration, Principal Financial Officer & Principal Accounting Officer Conference Call Participants Michael Ng - Goldman Sachs Group Matthew Stotler - William Blair & Company Joseph Meares - Truist Securities David Unger - Wells Fargo Securities Ryan Tomasello - KB ...

Blend Labs, Inc. $30.0M Blend Labs (in thousands) | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------|---------|---------|---------|---------|--------|---------|---------|---------|---------| | | $3.9M | $4.6M | $5.2M | $5.8M | $20.0M | $26.8M | $27.0M | $17.8M | $22.3M | | | | | | | $10.0M | | | | | | | Q1 2022 | Q2 2022 | Q1 2023 | Q2 2023 | $0.0 | Q1 2022 | Q2 2022 | Q1 2023 | Q2 2023 | Research & Development Non-GAAP Blend Labs Consolidated Non-GAAP Net Operating 10 In addition to fin ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 001-40599 BLEND LABS, INC. (Exact name of registrant as specified in its charter) Delaware 45-5211045 (State or other jurisdiction of inc ...

Blend Labs, Inc. (NYSE:BLND) Q1 2023 Earnings Conference Call May 9, 2023 4:30 PM ET Company Participants Winnie Ling – Head-Legal Nima Ghamsari – Co-Founder and Head-Blend Amir Jafari – Head-Finance and Administration Conference Call Participants Matt Stotler – William Blair Ryan Tomasello – KBW David Unger – Wells Fargo Winnie Ling Good afternoon, and welcome to Blend's First Quarter 2023 Earnings Conference Call. My name is Winnie Ling and I'm the Head of Legal for the company. Leading today's call are N ...

MAY 9, 2023 In addition to financial information presented in accordance with U.S. generally accepted accounting principles ("GAAP"), this presentation includes certain non-GAAP financial measures, including non-GAAP gross profit, non-GAAP operating expenses, non-GAAP loss from operations, and non-GAAP net loss. These non-GAAP financial measures adjust the related GAAP financial measures to exclude non-cash stock-based compensation and warrant amortization expense, amortization of acquired intangible assets ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 001-40599 BLEND LABS, INC. (Exact name of registrant as specified in its charter) Delaware 45-5211045 (State or other jurisdiction of in ...

Blend Labs, Inc. (NYSE:BLND) Q4 2022 Results Conference Call March 16, 2023 4:30 PM ET Company Participants Winnie Ling - Head of Legal Nima Ghamsari - Co-Founder and Head Amir Jafari - CFO Marc Greenberg - Head of Finance Conference Call Participants Ryan Tomasello - KBW Terrell Tillman - Truist Michael Ng - Goldman Sachs Joe Vafi - Canaccord David Unger - Wells Fargo Securities Winnie Ling Good afternoon. And welcome to Blend's Fourth Quarter 2022 Earnings Conference Call. My name is Winnie Ling and I'm H ...

Based on the results of these analyses, we determined that the carrying values of goodwill and customer relationship intangible assets exceeded their respective estimated fair values and recorded impairment charges of $287.2 million and $162.5 million, respectively, which resulted in the full write off of the goodwill and customer relationship intangible assets. Refer to Note 5, "Goodwill and Intangible Assets," of the Notes to Consolidated Financial Statements in Part II, Item 8 of this Form 10-K for addit ...