Investor Presentaiton

14% 12% 10% 8% 6% 4% 2% 0% Jun-2019 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Payment Channel Mix Electronic Payments Mar-2018 May-2018 Jul-2018 Sep-2018 Nov-2018 Jan-2019 Mar-2019 May-2019 Jul-2019 ■% Electronic Payments Recurring Payments Jul-2019 Aug-2019 Sep-2019 Oct-2019 Nov-2019 Dec-2019 Jan-2020 Feb-2020 Mar-2020 Apr-2020 Recurring May-2020 Jun-2020 Jul-2020 Aug-2020 Sep-2020 Sep-2019 Nov-2019 Jan-2020 Mar-2020 May-2020 Jul-2020 Sep-2020 0% REGIONAL MANAGEMENT In Branch Payments 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% Mar-2018 May-2018 Jul-2018 Sep-2018 Nov-2018 Jan-2019 Mar-2019 May-2019 In Branch Jul-2019 Sep-2019 Nov-2019 Jan-2020 Mar-2020 May-2020 Jul-2020 Sep-2020 • Increased Payment Channel Options Steady increase in electronic payments Contributing to less In branch payments And increasing recurring payments Adding convenience to our customers Reducing risk of decentralized network to securitization investors 35

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