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DIVERSIFIED SOURCES OF FUNDING (AS OF 12/31/20) Notes Wells Fargo Credit Facility Union Bank January 2022 October 2022 Credit Facility Conv. Notes Inst. Notes April 2025 Notes October 2033 Notes July 2024 Inst. Notes February 2025 Inst. Notes June 2025 Inst. Notes March 2026 A Inst. Notes SBA Debentures License 2 HTIII Securitizations DATE ENTERED Aug. 2008 Feb. 2020 Jan. 2017 Oct. 2017 April 2018 Oct. 2018 July 2019 Feb. 2020 June 2020 Nov. 2020 May 2010 Nov. 2018 Jan. 2019 FACILITY SIZE ($ in millions) $75.0 $400.0 $230.0 $150.0 $75.0 $40.0 $105.0 $50.0 $70.0 $50.00 $99.0 $181.0 $250.0 INTEREST RATE LIBOR + 300bps LIBOR + 250bps 4.375% 4.625% 5.25% unsecured unsecured unsecured 6.25% unsecured 4.77% unsecured 4.28% 4.31% 4.50% Unsecured Unsecured Unsecured Range(1) from 2.2% to 5.5% 4.605% 4.703% MATURITY January 2023 February 2024 February 2022 October 2022 April 2025 October 2033 July 2024 February 2025 June 2025 March 2026 Mature 10 years after borrowing November February 2027 2028 Set in ADDITIONAL INFO (Expandable up to $125.0) (Expandable up to $600.0) DBRS: BBB KBRA: BBB+ DBRS: BBB KBRA: BBB+ NYSE: HCXZ DBRS: BBB KBRA: BBB+ NYSE: HCXY DBRS: BBB KBRA: BBB+ March & Sept. KBRA: BBB+ KBRA: BBB+ KBRA: BBB+ KBRA: BBB+ KBRA: A(sf) KBRA: A(sf) (range: 2.2% to 5.5%) OUTSTANDING $0.0 $0.0 $230.0 $150.0 $75.0 $40.0 $105.0 $50.0 $70.0 $50.00 $99.0 $181.0 $250.0 ($ in millions) (1) ($ in millions) Interest rate range for the SBA debentures does not include annual fees Well Managed Debt Maturity Schedule $400 $300 $150.0 $49.2 $200 $70.0 $250.0 $100 $230.0 $50.0 $181.0 $25.0 $24.8 $105.0 $75.0 $50.0 $40.0 $0 2021 2022 2023 2024 2025 2026 2027 2028 2033 Convertible Notes SBA Bonds October 2033 Notes October 2022 Notes July 2024 Notes April 2025 Notes February 2025 Notes March 2026 A Notes June 2025 Notes Securitization Xercules. CAPITAL 30

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