MY FREEDOM PLUS MANUAL

The D class notes were not rated by DBRS. The Class A, Class B and Class C fixed-rate notes were rated AAA (sf), AA (sf) and A (sf) by DBRS Morningstar. The Class A, Class B, Class C and Class D fixed-rate notes were rated AAA (sf), AA- (sf), A- (sf) and BBB- (sf) by KBRA. 'One of the pillars of our ABS program is consistency in our product structure and cadence of new deals, and we believe this deal is an important demonstration of that reputation to the market.' 'The characteristics of this securitization should be very familiar to the market,' said Barry Rafferty, Senior Vice President of Capital Markets at FFAM. FreedomPlus loans help consumers consolidate debt, lower interest rates and convert revolving debt into lower-cost, more consumer-friendly installment loans.

The underlying FreedomPlus loans were originated by bank partners Cross River Bank ® and MetaBank ®, N.A.

MY FREEDOM PLUS MANUAL

Underwriting for the FreedomPlus loan program is based on proprietary algorithms that evaluate behavioral, transactional, employment and income data, as well as a manual review of borrowers' creditworthiness. The deal is the 13 th securitization by Freedom Consumer Credit Fund (FCCF), an investment fund managed by Freedom Financial Asset Management (FFAM). The securitization, FREED ABS Trust 2022-3FP, is the third Freedom deal to receive an AAA rating from DBRS Morningstar and the fifth to receive a AAA rating from Kroll Bond Rating Agency (KBRA). SAN MATEO, Calif., J/PRNewswire/ - Freedom Financial Network (FFN), a leading digital personal finance company, announces the closing of a securitization consisting of $323.55 million in rated notes backed by FreedomPlus personal loans. Deal is the third Freedom securitization of 2022 to receive AAA ratings from both DBRS and Kroll

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