Investor Presentaiton

Vintage Gross Loss Curves - Small Loans 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% Small Loans <36% APR: Loss Curves REGIONAL MANAGEMENT 0.0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 24 27 30 33 2017 0.0% 0.1% 0.1% 0.2% 0.4% 0.5% 0.6% 1.5% 2.7% 3.6 % 4.2 % 4.7% 5.1% 5.3 % 5.6 % 5.7% 5.9 % 6.0 % 6.0% 6.1% 6.1% 6.2% 6.3 % 6.3% 6.4% 2018 0.0% 0.0% 0.0% 0.0% 0.2% 0.5% 0.8% 1.7% 3.0% 4.0 % 4.6 % 5.1% 5.5 % 5.9% 6.1% 6.3 % 6.5% 6.6% 6.7 % 6.8% 6.9% 2019 0.0% 0.0% 0.0% 0.0% 0.2% 0.4% 0.7% 1.5% 3.0% Note: Gross loss numbers do not include benefit of non-file payments 28

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