Governance Board of Directors William W. Lovatt CHAIRMAN Steven K. Hudson CHIEF EXECUTIVE OFFICER Pierre Lortie DIRECTOR David Morris DIRECTOR Paul Stoyan DIRECTOR Carol Goldman DIRECTOR Karen Martin DIRECTOR Senior Advisor Brian Mulroney PC, CC, GDQ, LLD SENIOR STRATEGIC ADVISOR Board Committees Audit Committee Chair: David Morris Members: William W. Lovatt, Karen Martin Mandate Compensation & Corporate Governance Committee Chair: Paul Stoyan Members: William W. Lovatt, Carol Goldman Mandate Credit & Risk Committee Chair: Pierre Lortie Members: William W. Lovatt, Steven K. Hudson Mandate Article and Bylaws Articles of Amendment – Preferred Shares A December 2016 Mandate Articles of Amendment – Preferred Shares May 2017 Mandate Bylaws Mandate Restated Articles of Incorporation Mandate Governance Documents Advance Notice of Nominations of Directors Mandate Audit Mandate Mandate Board Mandate Mandate Chair Description Mandate Code of Business Conduct & Ethics Mandate Compensation Mandate Mandate Credit & Risk Mandate Mandate Majority Voting Policy Mandate Statement on Human Rights Mandate Vice Chair Description Mandate HOME CONTACT US © ECN CAPITAL CORP. 2021 PRIVACY POLICY ACCESSIBILITY POLICY CODE OF CONDUCT

Businesses ECN operates through three long-standing, market-leading businesses with unparalleled experience and expertise: - Service Finance - home improvement loans - Triad Financial Services - manufactured home loans - The Kessler Group - consumer credit card portfolios Businesses Solutions Offering unsecured and secured consumer loan and credit card portfolios. Learn More Customers 90+ financial institutions ranging from some of the largest US banks and credit unions to community banks and local institutions. Learn More Contact Us 416-646-4710 844-537-5663 844-402-1074 Learn More HOME CONTACT US © ECN CAPITAL CORP. 2021 PRIVACY POLICY ACCESSIBILITY POLICY CODE OF CONDUCT

Ian M. Berch CHIEF OPERATING OFFICER, SERVICE FINANCE Ian Berch is the Chief Operating Officer of Service Finance. Mr. Berch was a co-founder of United Restoration, LLC and acted as the Chief Operating Officer. He was responsible for administration, development of corporate policy and compliance, and assisted Mark Berch in the day-to-day operations of the Company. Prior to joining the Company in 1997, he was the President of Superior Security Systems where he ran the administrative division and was responsible for training, hiring and vendor credit. READ MORE NEXT BIO HOME CONTACT US © ECN CAPITAL CORP. 2021 PRIVACY POLICY ACCESSIBILITY POLICY CODE OF CONDUCT