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WYNDHAM ⚫DESTINATIONS Maintain High Margins Across the Cycle 17% 16% 16% 2006 2007 2008 25% 25% 25% 25% 25% 24% 24% 24% 22% 22% 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Wyndham Vacation Ownership Segment Adjusted EBITDA Margin Strong Credit Quality 740 Average FICO Score on 14.5% 725 725 725 725 725 725 725 727 726 727 720 New Originations 14.2% 14.0% 14.1% 14.0% 13.8% 700 691 13.7% 13.5% 683 13.6% 13.5% Average Interest Rate 680 673 13.3% 13.0% 13.1% 12.9% 660 12.7% 12.5% 12.5% 640 12.0% 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 14

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