Investor Presentaiton

Robust Underwriting Standards Collateral •Soft Secured Loans (Personal Property) •Hard Secured (Titled Assets) •Unsecured Verifications •Identity •Employment •Income REGIONAL MANAGEMENT Credit Scoring •Diverse data attributes •Review of credit bureau information •Implementation of custom scorecards in 2018 Repayment Ability •Debt to Income Calculation •Minimum Annual Income Requirement •Lend only against a portion of gross income 20 20

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