Investor Presentaiton

Vintage Gross Loss Curves - Large Loans 11.0% 10.0% Large Loans <36% APR: Loss Curves REGIONAL MANAGEMENT 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 33 2017 0.0% 0.1% 0.2% 0.3% 0.5% 0.7% 0.9% 1.5% 2.4% 3.1% 3.7 % 4.4% 5.0% 5.6 % 6.1% 6.6 % 7.1 % 7.5 % 7.8 % 8.1 % 8.4% 9.0% 9.4 % 9.7 % 9.9% 2018 0.0% 0.0% 0.0% 0.0% 0.2% 0.4% 0.6% 1.4% 2.4% 3.3 % 4.1 % 4.7% 5.3 % 6.0% 6.6% 7.1 % 7.6% 8.0% 8.4% 8.7% 8.9% 2019 0.0% 0.0% 0.0% 0.0% 0.2% 0.4% 0.7% 1.3% 2.3% 17 18 19 20 21 24 27 30 Note: Gross loss numbers do not include benefit of non-file payments 27

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