Investor Presentaiton

Cost of doing business at a 23% average Cost of Funds (%) 23.6% 23.4% 23.5% ill 22.7% 22.7% 22.4% 22.3% III 22.8% 22.5% 23.6% 23.5% 23.4% 22.5% 22.3% Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Proposals to dilute cost of funds by exploring other funding options such as... 1 Rethink Savings and Investments as part of our core business and build-out products that makes Bayport the preferred destination for investments 2 Explore and with our Finance partners craft new debt instruments sensitive to cost 3 Historically expensive fixed rate funding will be refinanced and lower current rates Strictly Private & Confidential 10

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