Funding & Liquidity • 1Q23: delayed $42M residual financing facility amortization to 2024, increased capacity of senior secured term loan by up to $75M • Kept 2H22 Adjusted Operating Expenses flat from 1H22 Cost Measures • 52.4% 4Q adjusted operating efficiency ratio (post-IPO record); 1,215 bps improvement • $48-53M 2023 run-rate expense savings; targeting 75% reduction in hiring and backfills Underwriting 14 32.0% (10) (11) 20.5% (11.5)% 15.5% (5.0)% Gross Yield Net Charge-Offs Risk-Adjusted Yield Servici ...