Compeer Financial Industry Overview

15 • PORTFOLIO BY PROBABILITY OF DEFAULT RATING (AND S&P EQUIVALENT) Average loan is a BB+ The majority of new volume is originated PD5-8 3.9% of the portfolio is guaranteed by the U.S. Gov't or its Agency Only 8.8% of the portfolio is the equivalent of B+ or lower. 25.00% 20.00% 22% 17% BB+ 16% 16% BBB- 15.00% 10.00% 7% BBB+ BBB BB 5.00% 2% AAA/ 0% AA+ 0% 0.00% 1 2 3 5 6 7 8 00 10% BB- 4% 3% B+ 1% 9 10 11 12 COMPEER FINANCIAL™

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