Plenti Finance provides supplemental interest payments to the Notes Trustee to cover the difference between the interest payable on a loan funded at the Notes Market rate and the interest rate payable on the 2022 Auto G-Notes. These supplemental interest payments are guaranteed by Plenti Group through a parent company guarantee. If Plenti Group were to become insolvent, you may not receive the full amount of the supplemental interest payment, and you may suffer financial loss.