Investor Presentaiton

REGIONAL MANAGEMENT Robust Loan Approval Process Custom automated decision engine used to determine if customer qualifies for product offerings Product offering is based on risk profile of customer and their ability to repay Credit exceptions are administered by central underwriting team Review of Customer Financials Determine Collateral to Secure Loan Application Process Custom Decision Engine Initial Decision Credit/ Underwriting Process Underwriting Exceptions Sent to Home Office Credit Book New Loan Final Decision Branch Exceptions Audits Review Credit Home Office Credit Assess Ability to Repay Positive Net Cash Flow Underwriting Decision Send to Branch 19

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