On Deck Capital (ONDK) 8-K Regulation FD Disclosure

$1 $1 $1 $1 Total Return $1 $1 Total Return $1 $1 $1 Total $1 Return LTV $1 $0 LTV $1 $0 LTV CAC CAC $0 CAC $0 $0 $0 $0 $0 $0

Retail Trade Construction Accommodation & Food Services Wholesale Trade Manufacturing Health Care & Social Assistance Professional, Scientific, Technical Services Other Services Transportation & Warehousing Other < 650 >= 650

9.0% 8.0% 6.9% 7.0% 7.0% 6.8% 6.7% 6.4% 6.2% 5.8% 5.5% 5.5% 5.6% 4.4% 3.7% 1.2% 0.0% 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 1Q19 2Q19 3Q19 4Q19 1Q20 9.6 11.1 8.8 7.5 8.7 9.2 10.0 11.2 12.4 13.2 12.1 11.8 11.7 12.2 13.5 13.2 13.3 0.6% 3.3% 12.9% 34.7% 62.3% 88.1%

$1, 200 $1, 000 $800 $600 $1,169 $1,265 $1,001 $953 $400 $553 $200 $504 $223 $- $44 $91 2011 2012 2013 2014 2015 2016 2017 2018 2019 $450 $400 $350 $300 $250 $200 $444 $398 $350 $150 $255 $291 $100 $158 $50 $65 $- $11 $26 2011 2012 2013 2014 2015 2016 2017 2018 2019 $28 $18 $27 $28 $8 $( 2) ($1) ($11) ($17) ($12) $( 12) ($24) ($19) $( 22) $( 32) $( 42) ($83) $( 52) 2011 2012 2013 2014 2015 2016 2017 2018 2019

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$121 Equity 30% 27% $500 25% 26% Equity/Assets 24% 25% $400 $333 $333 20% $312 $311 17% $60 $300 $59 $59 $56 15% $227 $200 10% $100 5% $0 0% 1Q '19 2Q '19 3Q '19 4Q '19 1Q '20 1Q '19 2Q '19 3Q '19 4Q '19 1Q '20 • • • • • • • •

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Quarter Ended Year Ended

Quarter Ended Year Ended

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