Investor Presentaiton

Well seasoned, low concentration risk portfolio. • Majority of lending concentrated in lower loan amounts (less than $500k). • Less than 3% of the portfolio are large loan. sizes above $1m. Limits exposure to higher value market segments that are typically more volatile in a downturn. Well seasoned book with 37% of the portfolio past 5+ years maturation. This provides significant equity buffers from home price appreciation and loan schedule reduction. 52% of the portfolio is already past peak delinquency development (3+ years vintage maturation). 40% 35% 30% 25% 20% 15% 10% 5% 0% Home Loan Portfolio - Original Loan Amount Home loan Portfolio - Maturation Profile 22% 37% 16% 7% 9% 9% Less than 1 year ☑ 1 to 2 years 2 to 3 years 4 to 5 years 5+ years 3 to 4 years : 35 W

View entire presentation