4Q 2018 And Full Year Earnings Review

2 Key Takeaways • FY 2018 EBT of $2.6 billion – the best result in 8 years • Loss metrics reflect healthy consumer credit conditions • Continued strong auction performance • Funding plan well positioned, diversified across platforms and markets • Managed leverage maintained within target range of 8:1 to 9:1 • Consistent originations, servicing, and collections ................
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