<SEC-DOCUMENT>0000950170-24-125736.txt : 20241112
<SEC-HEADER>0000950170-24-125736.hdr.sgml : 20241112
<ACCEPTANCE-DATETIME>20241112175752
ACCESSION NUMBER:		0000950170-24-125736
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20241107
FILED AS OF DATE:		20241112
DATE AS OF CHANGE:		20241112

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Malka Meyer
		CENTRAL INDEX KEY:			0001571355
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39658
		FILM NUMBER:		241450310

	MAIL ADDRESS:	
		STREET 1:		364 UNIVERSITY AVENUE
		CITY:			PALO ALTO
		STATE:			CA
		ZIP:			94301

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Bullfrog Capital, L.P.
		CENTRAL INDEX KEY:			0001801181
		ORGANIZATION NAME:           	
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39658
		FILM NUMBER:		241450308

	BUSINESS ADDRESS:	
		STREET 1:		364 UNIVERSITY AVENUE
		CITY:			PALO ALTO
		STATE:			CA
		ZIP:			94301
		BUSINESS PHONE:		6502410701

	MAIL ADDRESS:	
		STREET 1:		364 UNIVERSITY AVENUE
		CITY:			PALO ALTO
		STATE:			CA
		ZIP:			94301

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Ribbit Capital IV, L.P.
		CENTRAL INDEX KEY:			0001697450
		ORGANIZATION NAME:           	
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39658
		FILM NUMBER:		241450309

	BUSINESS ADDRESS:	
		STREET 1:		364 UNIVERSITY AVE.
		CITY:			PALO ALTO
		STATE:			CA
		ZIP:			94301
		BUSINESS PHONE:		650-485-3758

	MAIL ADDRESS:	
		STREET 1:		364 UNIVERSITY AVE.
		CITY:			PALO ALTO
		STATE:			CA
		ZIP:			94301

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Root, Inc.
		CENTRAL INDEX KEY:			0001788882
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				842717903
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		80 E RICH STREET
		STREET 2:		SUITE 500
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43215
		BUSINESS PHONE:		(614) 591-4568

	MAIL ADDRESS:	
		STREET 1:		80 E RICH STREET
		STREET 2:		SUITE 500
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43215

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Root Stockholdings, Inc.
		DATE OF NAME CHANGE:	20190919
</SEC-HEADER>
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<SEQUENCE>1
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        <issuerName>Root, Inc.</issuerName>
        <issuerTradingSymbol>ROOT</issuerTradingSymbol>
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            <rptOwnerName>Malka Meyer</rptOwnerName>
        </reportingOwnerId>
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            <rptOwnerStreet2>364 UNIVERSITY AVE.</rptOwnerStreet2>
            <rptOwnerCity>PALO ALTO</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94301</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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            <isOfficer>false</isOfficer>
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    </reportingOwner>

    <reportingOwner>
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            <rptOwnerName>Ribbit Capital IV, L.P.</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O RIBBIT CAPITAL</rptOwnerStreet1>
            <rptOwnerStreet2>364 UNIVERSITY AVE.</rptOwnerStreet2>
            <rptOwnerCity>PALO ALTO</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94301</rptOwnerZipCode>
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    </reportingOwner>

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            <rptOwnerName>Bullfrog Capital, L.P.</rptOwnerName>
        </reportingOwnerId>
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            <rptOwnerStreet2>364 UNIVERSITY AVE.</rptOwnerStreet2>
            <rptOwnerCity>PALO ALTO</rptOwnerCity>
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                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>34438</value>
                    <footnoteId id="F16"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>80.2972</value>
                    <footnoteId id="F16"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>83669</value>
                    <footnoteId id="F16"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>3563</value>
                    <footnoteId id="F17"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>81.1334</value>
                    <footnoteId id="F17"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>80106</value>
                    <footnoteId id="F17"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>26597</value>
                    <footnoteId id="F18"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>82.3</value>
                    <footnoteId id="F18"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>53509</value>
                    <footnoteId id="F18"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>16418</value>
                    <footnoteId id="F19"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>83.5403</value>
                    <footnoteId id="F19"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>37091</value>
                    <footnoteId id="F19"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>18836</value>
                    <footnoteId id="F20"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>84.4634</value>
                    <footnoteId id="F20"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>18255</value>
                    <footnoteId id="F20"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>15955</value>
                    <footnoteId id="F21"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>85.543</value>
                    <footnoteId id="F21"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2300</value>
                    <footnoteId id="F21"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>2300</value>
                    <footnoteId id="F22"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>86.0617</value>
                    <footnoteId id="F22"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                    <footnoteId id="F22"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Class B Common Stock</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F1"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2024-11-07</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>C</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>75839</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F23"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F23"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>75839</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1733922</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Class B Common Stock</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F8"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2024-11-08</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>C</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
                <footnoteId id="F8"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>201315</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F23"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F23"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>201315</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1532607</value>
                    <footnoteId id="F8"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Class B Common Stock</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F15"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2024-11-11</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>C</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
                <footnoteId id="F15"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>75000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F23"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F23"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>75000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1457607</value>
                    <footnoteId id="F15"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Funds</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Represents 75,839 shares converted by Ribbit Capital IV, L.P. (&quot;Fund IV&quot;), for itself and as nominee for Ribbit Founder Fund IV, L.P. (&quot;FF IV&quot;), from Class B Common Stock into Class A Common Stock on a one-for-one basis for no consideration. Following the reported transaction, 75,839 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, 43,107 shares of Class A Common Stock are owned by Bullfrog Capital, L.P. (&quot;Bullfrog&quot;), for itself and as nominee for Bullfrog Founder Fund, L.P. (&quot; Bullfrog FF&quot;), 1,498,098 shares of Class B Common Stock are held by Fund IV, for itself and as nominee for FF IV and 235,824 shares of Class B Common Stock are held by RT-E Ribbit Opportunity IV, LLC (&quot;Ribbit RT-E&quot;)</footnote>
        <footnote id="F2">Shares are owned of record by (i) Fund IV, for itself and as nominee for FF IV, (ii) Bullfrog, for itself and as nominee for Bullfrog FF, and (iii) Ribbit RT-E. Meyer Malka is the sole director of Ribbit Capital GP IV, Ltd., which is the general partner of the general partner of Fund IV and FF IV and the general partner of the managing member of RT-E, and is the sole director of Bullfrog Capital GP, Ltd., which is the general partner of the general partner of each of Bullfrog and Bullfrog FF. Each of the Reporting Persons disclaims beneficial ownership of such shares for purposes of Section 16 except to the extent of his or its pecuniary interest therein, if any, and this report shall not be deemed an admission that any of the Reporting Persons is a beneficial owner of such shares for purposes of Section 16 or for any other purpose.</footnote>
        <footnote id="F3">Represents 3,252 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $79.00 to $79.78, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 72,587 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F4">Represents 25,616 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $80.00 to $80.9989, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 46,971 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F5">Represents 33,185 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $81.00 to $81.98, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 13,786 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F6">Represents 12,175 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $82.00 to $82.80, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 1,611 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F7">Represents 1,611 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $83.09 to $83.475, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 0 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F8">Represents 201,315 shares converted by Fund IV, for itself and as nominee for FF IV, from Class B Common Stock into Class A Common Stock on a one-for-one basis for no consideration. Following the reported transaction, 201,315 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF, 1,296,783 shares of Class B Common Stock are held by Fund IV, for itself and as nominee for FF IV and 235,824 shares of Class B Common Stock are held by Ribbit RT-E.</footnote>
        <footnote id="F9">Represents 18,101 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $80.00 to $80.99, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 183,214 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F10">Represents 101,970 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $81.00 to $81.985, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 81,244 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F11">Represents 63,849 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $82.00 to $82.99, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 17,395 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F12">Represents 14,596 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $83.00 to $83.65, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 2,799 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107  shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F13">Represents 1,599 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $84.17 to $85.03, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 1,200 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F14">Represents 1,200 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $85.21 to $85.45, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 0 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F15">Represents 75,000 shares converted by Fund IV, for itself and as nominee for FF IV, from Class B Common Stock into Class A Common Stock on a one-for-one basis for no consideration. Following the reported transaction, 75,000 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, 43,107 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF, 1,221,783 shares of Class B Common Stock are held by Fund IV, for itself and as nominee for FF IV and 235,824 shares of Class B Common Stock are held by Ribbit RT-E.</footnote>
        <footnote id="F16">Represents 9,199 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV, and 25,239 sold by Bullfrog, for itself and as nominee for Bullfrog FF. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $80.00 to $80.99, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 65,801 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 17,868 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F17">Represents 2,208 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV, and 1,355 sold by Bullfrog, for itself and as nominee for Bullfrog FF. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $81.00 to $81.6367, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 63,593 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 16,513 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F18">Represents 13,374 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV, and 13,223 sold by Bullfrog, for itself and as nominee for Bullfrog FF. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $82.00 to $82.94, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 50,219 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 3,290 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F19">Represents 13,128 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV, and 3,290 sold by Bullfrog, for itself and as nominee for Bullfrog FF. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $83.01 to $84.005, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 37,091 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV, and 0 shares of Class A Common Stock are owned by Bullfrog, for itself and as nominee for Bullfrog FF.</footnote>
        <footnote id="F20">Represents 18,836 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $84.01 to $85.00, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 18,255 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV.</footnote>
        <footnote id="F21">Represents 15,955 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $85.01 to $86.00, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 2,300 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV.</footnote>
        <footnote id="F22">Represents 2,300 shares of Class A Common Stock sold by Fund IV, for itself and as nominee for FF IV. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $86.01 to $86.245, inclusive. The Reporting Persons undertake to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected. Following the reported transaction, 0 shares of Class A Common Stock are owned by Fund IV, for itself and as nominee for FF IV.</footnote>
        <footnote id="F23">Each share of Class B Common Stock is convertible into one share of Class A Common Stock at the option of the holder and has no expiration date.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Meyer Malka</signatureName>
        <signatureDate>2024-11-12</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>/s/ Meyer Malka, sole director of Ribbit Capital GP IV, Ltd., the general partner of the general partner of Ribbit Capital IV, L.P.</signatureName>
        <signatureDate>2024-11-12</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>/s/ Meyer Malka, sole director of Bullfrog Capital GP, Ltd., the general partner of the general partner of Bullfrog Capital, L.P.</signatureName>
        <signatureDate>2024-11-12</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
