Investor Presentaiton

Multi-Product Offering Fits Customer Needs Product suite provides multiple solutions for customers as their credit needs evolve Easy-to-understand products based on credit underwriting and ability to repay REGIONAL MANAGEMENT Ability to cost-effectively "graduate” qualified small loan customers to larger loans at reduced rates Small Large ■ Short-term cash needs ■ Loan consolidation Customer Need ■ Bill payment ■ Medical expenses ■ Home repairs Retail ■ Home furnishings Appliances ■ Televisions and electronics Size (a) Term Security Net Finance Receivables (b) Back-to-school expenses ■ Auto repair Range: $500 to $2,500 Average: $2,000 Up to 48 months Title to a vehicle and/or non- essential household goods $382.8 million Range: $2,501 to $12,000 Average: $5,400 18 to 60 months Title to a vehicle and/or non- essential household goods $655.9 million Range: Up to $7,500 Average: $2,100 6 to 48 months Purchased goods (e.g. furniture) $15.9 million # of Loans (b) Average APR (c) ~247,000 41.7% (a) Represents the average origination loan size (new and renewal) as of September 30, 2020 (b) As of September 30, 2020 (c) Fixed interest rates; represents average portfolio APR as of September 30, 2020 ~138,000 29.9% ~12,000 21.7% Note: Product offering table excludes $4.9 million auto portfolio (as of September 30, 2020), as the Company is no longer originating auto loans. Checks are included in Small and Large. 15

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