Investor Presentation Notices Click to edit the title of your - PowerPoint PPT Presentation

Click to edit the title of your presentation 2020 Annual Meeting and Proxy Investor Presentation

Notices Click to edit the title of your presentation

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OnDeck Click to edit the title of Company Overview your presentation

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36.2% Click to edit the title of 35.1% 33.7% 33.1% your presentation $444 $398 $350 2016 2017 2018 2019 $291 $428 $383 $334 29.2% 28.9% 26.1% 25.4% $264 Net Interest Margin Net interest income $384 $336 $288 $232 2016 2017 2018 2019 2016 2017 2018 2019 Interest Income Other Revenue Gain on Sales of Loans

Liquidity & Capital • • Click to edit the title of • your presentation • • • • • • • •

Setting The Record Click to edit the title of Straight your presentation

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1 1 • International • Click to edit the title of • your presentation 2 • ODX • • 3 • Charter Bank •

2 Click to edit the title of 29.2% 28.9% 26.1% 25.4% your presentation 21.1% 15.7% 15.3% 15.1%

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4 Breslow Henson Dhandapani Nolop Sánchez Thompson Verni Wolfson Financial Services / P P P P P P P Fintech Industry Click to edit the title of Regulatory / P P P P P Government your presentation Affairs Executive P P P P P P P Leadership Board / P P P P P P P Governance P P P P Technology P P P P P P P Risk Management Accounting / P P P P Finance P P P P P P International Mergers and P P P P P P Acquisitions

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4 • Click to edit the title of Base Salary 20% • your presentation Long-Term Short-Term Incentives Incentives 60% 20% • • • Base Salary 27% Long-Term Incentives • 53% • Short-Term Incentives 20%

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2019 Priorities Click to edit the title of Quarter Ended Year Ended your presentation

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Click to edit the title of your presentation Thank You