Investor Presentaiton

Loss Mitigation / Borrower Assistance Tools REGIONAL MANAGEMENT Tools are designed to lower overall loss in the portfolio by helping qualified customers These programs are targeted toward helping customers navigate through short term cash flow issues Renewal Balance Only (Delinquent Renewal) Deferral ■ Refinance of previous loan similar to a renewal ■ Provides assistance to customers that are experiencing short term financial hardships and cash flow issues Policy: Max of 1 per 6 months ■ Utilized for customers with short term / temporary hardships ■ Allows customer to defer their monthly payment which solves immediate cash flow concerns ■ Standard Policy: No more than 2 in a rolling 12 months. Generally a payment is required. 34

View entire presentation