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Bakkt Digital Assets Presentation

Projection Summary Projected Financials CAGR ($ millions) Transaction (1) Crypto Buy/Sell (2) Subscription and Services Other Total Revenue 2021E 2022E 2023E 2024E 2025E '21E - '25E $16 $137 $234 $294 $351 849 2,863 4,413 5,410 6,206 22 26 29 30 32 1 4 6 7 8 $889 $3,030 $4,681 $5,741 $6,597 65% % YoY Growth 241% 55% 23% 15% Transaction-Based Expenses (2) (834) (2,806) (4,325) (5,302) (6,082) Total Revenue Less Transaction-Based Expenses % YoY Growth $55 $224 $357 $439 $515 75% 309% 59% 23% 17% Operating Expenses (3) ($259) ($316) ($331) ($314) ($320) Operating Income (+) D&A EBITDA % YoY Growth Adjustments (+) Parent Equity Contribution Amortization (+) Non-Cash Compensation (3) Adj. EBITDA (204) (92) 25 125 196 20 41 54 56 46 '23E - '25E ($184) ($46) $79 $181 N/A N/A 130% $242 33% 75% 10 18 27 34 5 5 5 15 38 805 ($169) ($23) $111 $221 $285 60% % of Total Revenue Less Transaction-Based Expenses % YoY Growth N/A N/A 31% 50% 55% N/A N/A 98% 29% Note: Projections assume a January 1, 2021 transaction closing date and related funding for execution of growth strategy. The accounting for revenues from cryptocurrency transactions is currently under review and subject to change. See "Accounting for Cryptocurrency Transactions" on slide 2. There may be decimal differences due to rounding. (1) bakkt (2) Transaction revenue is shown net of Starbucks warrant amortization and parent equity contribution amortization, which are contra-revenue items. Includes the asset value of cryptocurrency. (3) Does not reflect anticipated non-cash compensation granted to incoming CEO. 28
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