Investor Presentaiton

Historical Financial Performance $50 Net Income ($ in millions) $45 $40 $35 $30 • Recent earnings $25 $23.4 $24.0 growth driven by $20 $14.8 combination of $15 volume-related $10 $5 revenue growth $0 and normalized 2014 2015 2016 • credit losses Receivables and revenue have grown in parallel ($ in millions) $30.0 Total Revenue REGIONAL MANAGEMENT $35.3 $44.7 2017 2018 2019 $400 $355.7 $350 $306.7 $300 $272.5 $250 $240.5 $217.3 $204.7 $200 $150 $100 $50 $0 2014 2015 2016 2017 2018 2019 37

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