Investor Presentaiton

Deep and Tested Management Experience Rob Beck President and CEO . John Schachtel COO 30+ years of finance and accounting experience Spent 29 years at Citi, including service as COO of the US Retail Bank REGIONAL MANAGEMENT Prior to joining Regional, was EVP and COO for the Leukemia and Lymphoma Society 30+ years of consumer financial services experience • Prior to joining Regional, was COO at OneMain Financial Harp Rana • Extensive operations experience at CitiFinancial (now OneMain) 20 years of financial services experience CFO Manish Parmar Chief Credit Risk Officer Jim Ryan Chief Marketing • Prior to joining Regional, was Managing Director, North America Retail Bank at Citigroup Held additional roles in business and finance at Citi, including Head of US Retail Deposit & Lending Products Nearly 20 years of credit and financial experience Prior to joining Regional, was Chief Credit and Analytics Officer at Conn's, Inc. Held several senior roles at Discover Financial Services, including Head of Consumer Credit Risk Management 20+ years of consumer financial services experience Prior to joining Regional, was Chief Marketing Officer at OneMain Financial for 10 years Officer Held additional senior roles at CitiFinancial, including SVP of Operations and VP of Credit Risk 80

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