Investor Presentaiton

Servicing Overview REGIONAL MANAGEMENT Regional employs a hybrid strategy of localized collection efforts through the branches and centralized support for late-stage collections Current 1-29 30-59 60-89 90-119 120-149 150-179 180+ Post Charge-Off In-Branch Servicing Centralized Collections Collection efforts primarily performed in the branches . High-touch relationship allows • branches to quickly anticipate and proactively resolve repayment problems • • Combination of electronic payments, cash, and checks . Electronic Payments are above 70% Late stage co-collection support for the branches by centralized collectors located in the home office 100% electronic payments Bankruptcy and post-charge-off collections handled centrally Qualifying charged-off accounts are sold to a third party debt buyer 2 to 3 months after charge-off 33

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