Our mission: WE PUT THE WORLD ON VACATION

PROVEN RESILIENT BUSINESS MODEL FAVORABLE MARKET DYNAMICS TIMESHARE REALITY VS. PERCEPTION EXPANDING PLATFORM STRONG MARGINS AND FCF ROBUST CAPITAL RETURNS Strong Credit Quality Average FICO Score on New Originations 800 Average Interest Rate FICO 18.0% 17.0% 735 736 736 725 725 726 16.0% 700 691 683 14.7% 14.7% 14.6% 15.0% 13.9% 14.0% 13.1% 12.9% 12.7% 12.5% 13.0% 600 12.0% 11.0% 500 10.0% 2007 2008 2009 2010 2011-2019 2020 2021 2022 TRAVEL+ LEISURE 9

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