Earnings Rebound and Credit Performance

7 Executive Management Team With Substantial Financial Services Experience Todd Schwartz Founder, Chief Executive Officer, and Executive Chairman Schwartz Capital Group Pamela Johnson Chief Financial Officer Heights Finance; Pioneer Financial Services Christopher McKay Chief Risk and Analytics Officer HSBC; Capital One Manny Chagas Chief Operating Officer Discover Financial Services; McKinsey & Company; Accenture Yuri Ter-Saakyants Chief Technology Officer Insureon; Mediaocean Stacee Hasenbalg Chief Compliance Officer Avant; BMO Financial Group; Mayer Brown Marv Gurevich General Counsel Enova; Avant OppFi¨

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