Earnings Rebound and Credit Performance

High Percentage of Americans Lack Savings and/or Credit Access 60 million U.S. adults lack access to traditional credit at choice1 88888 88888 60% of U.S. consumers live paycheck to paycheck² 43% of U.S. adults have savings to cover a $1,000 unplanned expense³ 3 1. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." NewYork Fed.org, 2019 2. LendingClub Corporation. "New Reality Check: The Paycheck-to-Paycheck Report - The Holiday Shopping Deep Dive Edition" PYMNTS.com, November 20, 2023 3. Gillespie, Lane. "Bankrate's 2023 Annual Emergency Savings Report" Bankrate.com, February 23, 2023 OppFi¨

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