Investor Presentaiton

Competitor Pool Comparisons Transaction Pool Size Number of Contracts Avg. Principal Balance Pool Characteristics (WA by $) Coupon Original Term (months) Remaining Term (months) FICO Score Collateral Type % Hard Secured % Soft Secured Indicative RMIT Pool $260,417,053 73,788 $3,529 Collateral Characteristics REPS 2020-A $214,980,695 41,556 $5,173 27.82% REGIONAL MANAGEMENT LFT 2020-2 OMFIT 2020-2 MFIT 2020-A $292,869,396 $1,052,633,250 140,692 52,819 $5,545 $7,482 $274,726,493 79,039 $3,476 30.46% 25.94% 26.90% 41 months 39 months 49 months 35 months 30 months 45 months 47 months 57 months 26.51% 40 months 35 months 637 628 617* 626 631 1.21% 16.20% 65.22% 44.92% 34.03% 83.58% 71.50% 24.54% 0.00% % Unsecured (1) 15.21% 12.30% 10.24% 55.08% 60.16% 5.81% Top 3 State Concentration TX (34.5%) LA (19.1%) NC (13.5%) TX (7.9%) PA (11.9%) NC (23.5%) MS (17.3%) GA (12.7%) CA (6.9%) FL (10.1%) SC (12.0%) TX (16.8%) CA (10.1%) PA (6.5%) TN (8.5%) DBRS CNL Proxy S&P CNL Proxy Kroll CNL Proxy *Beacon score (1) Unsecured loans are loans that are not secured by any titled collateral, and include direct checks. [TBD] 15.5% 10.8% 11.5% N/A [TBD] N/A 17.8% 12.4% 20.9% N/A N/A N/A 10.60% 13.40% Source: Rating Agency Presales and Offering Documents. 24

View entire presentation