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Vintage Gross Loss Curves - Checks 10.0% Checks <36% APR: Loss Curves REGIONAL MANAGEMENT 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 30 33 2017 0.0% 0.0% 0.1% 0.1% 0.3% 0.4% 0.7% 2.6 % 3.7 % 4.7% 5.6 % 6.2% 6.8% 7.2% 7.6% 7.9 % 8.2 % 8.4% 8.7 % 8.8 % 8.9 % 9.2 % 9.3 % 9.4% 9.4% 16 17 18 19 20 21 24 27 2018 0.0% 0.0% 0.0% 0.1% 0.2% 0.3% 0.5% 2.5% 3.5 % 4.3% 4.9% 5.5 % 6.1% 6.4 % 6.8 % 7.2% 7.5 % 7.9 % 8.2 % 8.4% 8.5% 2019 0.0% 0.0% 0.0% 0.0% 0.2% 0.3% 0.4% 2.2% 3.1% Note: Gross loss numbers do not include benefit of non-file payments 29

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