Todd Schell

ECN Capital Corp. (“ECN Capital” or the “Company”) is a leading provider of business services to North American-based banks, credit unions, life insurance companies, pension funds, and investment funds (collectively, its “Partners”). ECN Capital originates, manages and advises on credit assets on behalf of its Partners, specifically consumer (manufactured housing and recreational vehicle and marine) loans and commercial (inventory finance and rental) loans. Its Partners are seeking high-quality assets to match their deposits, term insurance, or other liabilities. These services are offered through two operating segments: (i) Manufactured Housing Finance, and (ii) Recreational Vehicle and Marine (“RV and Marine”) Finance. Headquartered in South Florida and Toronto, the registered office is located at 199 Bay Street, Suite 4000, Toronto, Ontario, Canada. ECN Capital has approximately 620 employees and operates principally in the U.S. The Company is a public corporation and trades on the Toronto Stock Exchange (“TSX”) under the symbol “ECN.”

Banc of California is California’s premier, relationship-focused, full-service business bank. Our depth of resources and financial strength allow us to adapt quickly and thoughtfully, delivering the best solutions to help our clients achieve their financial goals. As one of the strongest and most trusted banks headquartered in California, we have the resources and expertise to help your business grow and succeed. For over 80 years, Banc of California has served small and medium-size businesses and their principals throughout California. Headquartered in the heart of Orange County, the Bank has 34 offices and 28 full-service community banking branches, extending from San Diego to Santa Barbara. Member FDIC. Equal Housing Lender. NMLS# 530611

PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served nearly 20 million customers and lent nearly $4B across 9 countries while achieving solid profitability and growth.

Varo is an entirely new kind of bank. All digital, mission driven, FDIC insured and designed for the way our customers live their lives. We’re working toward our mission with a team that uniquely and strategically combines banking veterans with technology experts. The banking experts provide decades of industry experience, and the tech experts can build a mobile app that offers everyone access to premium banking, including quicker access to your money, high-yield savings, and automatic saving tools. Varo has raised over $992.4m to date, from leading institutional investors and strategic partners including Warburg Pincus, The Rise Fund, Gallatin Point Capital, Harbourvest Partners, Progressive Insurance, Russell Westbrook Enterprises, and Lone Pine Capital. Varo. Varo. A bank for all of us.

We believe financial planning, when done right, is essential to living well. That’s why we created Facet. Our mission is to improve the lives of millions of Americans by offering impartial and invaluable financial advice and services at an affordable membership fee. Disclosures: https://facetwealth.com/legal-documents/social-media-disclosure/

OceanFirst Bank is one of the largest regional banks providing financial services throughout New Jersey and in the metropolitan markets of Philadelphia, New York, Baltimore, and Boston. We stay focused on what we believe is most important: building long-term relationships with our customers and giving back to the communities we serve. OceanFirst was established in 1902 as the Point Pleasant Building and Loan Association. In 1996 OceanFirst completed our initial public offering (IPO) creating OceanFirst Financial Corp. (NASDAQ: OCFC). OceanFirst has grown organically and through several whole bank acquisitions and our team continues to build relationships with families and businesses in the communities we serve. We offer a full range of banking and financial services including Commercial, Retail and Business deposit accounts and financing solutions, Treasury Management, Trust & Estate Planning, and a host of digital tools. OceanFirst Bank is an Equal Housing Lender and Member FDIC.

ECN Capital Corp. (“ECN Capital” or the “Company”) is a leading provider of business services to North American-based banks, credit unions, life insurance companies, pension funds, and investment funds (collectively, its “Partners”). ECN Capital originates, manages and advises on credit assets on behalf of its Partners, specifically consumer (manufactured housing and recreational vehicle and marine) loans and commercial (inventory finance and rental) loans. Its Partners are seeking high-quality assets to match their deposits, term insurance, or other liabilities. These services are offered through two operating segments: (i) Manufactured Housing Finance, and (ii) Recreational Vehicle and Marine (“RV and Marine”) Finance. Headquartered in South Florida and Toronto, the registered office is located at 199 Bay Street, Suite 4000, Toronto, Ontario, Canada. ECN Capital has approximately 620 employees and operates principally in the U.S. The Company is a public corporation and trades on the Toronto Stock Exchange (“TSX”) under the symbol “ECN.”

Banc of California is California’s premier, relationship-focused, full-service business bank. Our depth of resources and financial strength allow us to adapt quickly and thoughtfully, delivering the best solutions to help our clients achieve their financial goals. As one of the strongest and most trusted banks headquartered in California, we have the resources and expertise to help your business grow and succeed. For over 80 years, Banc of California has served small and medium-size businesses and their principals throughout California. Headquartered in the heart of Orange County, the Bank has 34 offices and 28 full-service community banking branches, extending from San Diego to Santa Barbara. Member FDIC. Equal Housing Lender. NMLS# 530611

IntraFi is the leading provider of FDIC-insured deposit solutions. Its network of nearly 3,000 banks—the largest of its kind—includes most of the nation’s community banks and minority depository institutions. Through the size and diversification of IntraFi’s network, members gain access to tens of billions of dollars in funding, the highest per-depositor and per-bank capacity, and the ability to request large-dollar placements on any business day.

PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served nearly 20 million customers and lent nearly $4B across 9 countries while achieving solid profitability and growth.