Customers ECN provides origination, management and advisory solutions for 90+ banks and credit unions. With more than 10,000 banks and credit unions in the US, the growth opportunity is extraordinary. Specifically, ECN works with retail banks looking for credit portfolio solutions to match deposit liabilities. Why Choose ECN 01. Attractive Portfolio Yields Delivering high quality portfolios with exceptional yield profiles, net of all costs. 02. Range of Solutions Best-In-Class portfolio origination, management and advisory services. 03. Risk Diversification Cycle-tested, licensed, national lending platforms create geographic and product diversity. Businesses Operating through three market leading businesses, Service Finance, Triad Financial Services and The Kessler Group. Learn More Solutions Offering unsecured and secured consumer loan and credit card portfolios. 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

Algis Vaitonis CHIEF CREDIT OFFICER Algis Vaitonis is Chief Credit Officer of ECN Capital. Mr. Vaitonis oversees credit, collections and risk management for the company and has been instrumental in the successful wind down of the legacy Aviation and Rail businesses. Prior to this, Mr. Vaitonis was Senior Vice President of Rail and Aviation Finance and Vice President, Special Accounts at ECN Capital. READ MORE NEXT BIO HOME CONTACT US © ECN CAPITAL CORP. 2021 PRIVACY POLICY ACCESSIBILITY POLICY CODE OF CONDUCT

Solutions ECN provides prime credit portfolio solutions: - Unsecured consumer loan portfolios - home improvement loans - Secured consumer loan portfolios - manufactured home loans - Consumer credit card portfolios - affinity + co-branded cards Consumer Loan Portfolio Solutions Unsecured Consumer Loan Portfolios Short duration Home Improvement loans in the form of Retail Installment Contracts (RICs) Product: - Origination and servicing - Average FICO 765+ - Loan size ~$11,000 - Duration ~29 months - Exceptional yields, net of all costs Secured Consumer Loan Portfolios Long duration Manufactured housing loans Product: - Origination and servicing. - Average FICO 750+ - Loan size ~$70,000 - Duration ~96 months - Exceptional yields, net of all costs Credit Card Portfolios Affinity & Co-branded credit card portfolios Product: - Leading arranger of affinity/ co-brand credit card partnerships - Portfolio management and optimization - Customer acquisition - Transaction advisory Businesses Operating through three market leading businesses, Service Finance, Triad Financial Services and The Kessler Group. 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