Underwriting Platform Upgrade - The company launched LOS V2 in June 2025, an upgraded underwriting platform with an improved predictive scorecard and risk-based pricing[8] - Following the implementation of LOS V2, the portion of credit applications booked from higher-ranked customers (rankings 5-7) increased by 15% compared to the FY25 average[8] Application Volume - Customer demand was elevated in Q1 FY26, with credit applications increasing by 10% year-over-year[12] - Application Volume Trend by Quarter Period FY26 Q1 increased +10.6% compared to Q1 FY25[11] - Application Volume Trend by Quarter Period FY26 Q1 increased +16.4% compared to Q2 FY25[11] - Application Volume Trend by Quarter Period FY26 Q1 increased +14.8% compared to Q3 FY25[11] - Application Volume Trend by Quarter Period FY26 Q1 increased +8.5% compared to Q4 FY25[11] Cash-on-Cash and IRR Returns - The improving CoC/IRR trend demonstrates that enhanced underwriting, LOS, and risk-based pricing are generating superior risk-adjusted returns despite slightly longer loan horizon[16] Disclaimers - The presentation contains forward-looking statements that are subject to risks and uncertainties, and actual results could differ materially from projections[3] - The presentation also contains statistical data, estimates, and forecasts based on independent industry publications and internal sources, and the company has not independently verified the accuracy or completeness of this data[4]