Key Features & Benefits
– Increase interest rate margin and profitability
• Average net yield to the bank is
currently at 9.50%
– Enhance your consumer lending portfolio
• Niche product diversifies the loan portfolio
• Potential improve CRA scoring
– Mitigate risk of loss through our
Special Loss Reserve Program
• Potential losses are covered through a special
reserve which is established using a portion of
our paid fee which are held with and controlled
by the lender
– Improve operational efficiencies and productivity
• Fully underwritten, processed, packaged
and serviced
• No additional staff needed
– Increase deposit base and cross-sell opportunities
• Increase additional revenue sources
• Increase Asset Size
• Improve market share
– Absolutely No Obligation to purchase
a set minimum number of loans
• Not on a monthly basis, annually, or ever
• No barriers to entry or exit of this program
