Exhibit_1_-__SMART_LPA.pdf

U.S. Small Business Administration CDC Profile Assessment

Office of Credit Risk Management #N/A

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

5 Year Cumulative Net Yield > -1 % ≥ -3% and ≤ -1% < -3% #N/A #N/A

12 Month Default Rate 0% > 0% and ≤ 5% > 5% #N/A #N/A

5 Year Default Rate 0% > 0% and ≤ 5% > 5% #N/A #N/A

Lender Purchase Rating (formerly LRR) 1,2 3 4,5 #N/A #N/A

High Risk Origination Rate* < 0% ≥ 0% and ≤ 13% > 13% #N/A #N/A

Loans in Purchase Status over 3 Years Rate <= 0% > 0% and <= 27% > 27% #N/A #N/A

Stressed Rate < 3% >= 3% and ≤ 10% > 10% #N/A #N/A

Recovery Rate (Over last 5 years) > 33% ≤ 33% and > 6% ≤ 6% #N/A #N/A

Early Problem Loan Rate <= 0% > 0% and ≤ 4% > 4% #N/A #N/A

Regulatory Compliance Minimum Level of 504 Activity < 4 #N/A #N/A

Average SBPS (weighted) > 197 >= 188 and <= 197 < 188 #N/A #N/A

Top Industry Concentration Rate < 13% >= 13% and ≤ 28% > 28% #N/A #N/A

Total Points #N/A

Wednesday, July 30, 2014

Management

>= 4

This report is strictly confidential.

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

504 SMART RATES

Solvency

Asset Quality

Technical Issues

Preferred (+1) Less Than

Acceptable (+5) Lender Rate

Number of

Points

Acceptable (+3)

Day Report Generated: Source Data Updated Quarterly Type of Review

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Review Assessment

Report Summary

CDC

FIRS #

CDC Address #N/A

Region Last Review Date #N/A

District State #N/A Last Review Assessement

District Contact

Delegated Authority #N/A

Balance Sheet (Old Version)

# $ % Total Loans Disbursed (Last 36 Months) #N/A #N/A

Total SBA Exposure #N/A #N/A

Gross Committed (Approved but not Cancelled nor Disbursed) #N/A #N/A -$

Current PCLP/Loan Loss Reserve Amount -$

Active Net Loan Portfolio (Gross Active Balance) 0 #N/A Deficient or Not #N/A

Performance Stratification (Peer Group)

Current Balance 0 #N/A #N/A

Top 3 NAICS Loans Gross Loans Balance

Past Due Balance 0 -$ #N/A #N/A #N/A #N/A

Delinquent Balance 0 -$ #N/A #N/A #N/A #N/A

Deferred Balance 0 -$ #N/A #N/A #N/A #N/A

In Catch-Up Balance 0 -$ #N/A

Stressed (i.e. Non-Current) 0 -$ #N/A Top 3 Franchises % of Active Portfolio

#N/A #N/A #N/A

Active Defaults #N/A #N/A #N/A

Active Purchases (Regular Servicing + Liquidation) #N/A #N/A #N/A #N/A #N/A

Assessments / Findings

Analyst Recommendations

Recommendation to approve or denied ALP/PCLP status renewal.

This report is strictly confidential.

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

Technician

#N/A

#N/A

Does the Lender receive a pass for Select Analytical Review? Is a Targeted or Full Review recommended? Should Review be conducted virtually or on-site? Why?

#N/A

Management Contact Name/Title

Dollar Change in Net Assets:

#N/A

#N/A

#N/A

#N/A

#N/A

Contractor Analyst

#N/A

#N/A

Wednesday, July 30, 2014

SBA Financial Analyst#N/A

Total Net Assets (equity):

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

Solvency and Financial Condition Financial Ability to Operate Financial Satements as of Balance Sheet (New Version) # $ %

Toal Cash Gross Loans (Net Active + Active Defaults) #N/A -$

Cash (unrestricted)

Working Capital Gross Committed #N/A #N/A

Total Net Assets (equity net of goodwill) *** Approved but not Cancelled and not Disbursed

Total Unrestricted Net Assets

Dollar Change in Net Assets Net Active Balance 0 #N/A

504 SBA Processing Fees

504 SBA Servicing Fees Current Balance 0 #N/A #N/A

504 Interest Income (float)

Salary of CDC Manager Past Due Balance 0 -$ #N/A

Delinquent Balance 0 -$ #N/A

Profitability Deferred Balance 0 -$ #N/A

Revenue $ In Catch-Up Balance 0 -$ #N/A

Total Servicing Fees Stressed Balance (i.e. Non-Current) 0 -$ #N/A

Other Revenues

Total Revenue -$ Active Defaults

Expenses $ Active Purchases - Regular Servicing #N/A #N/A

Salaries Active Purchases - Liquidation #N/A #N/A

Rent Expense All Active Purchases #N/A #N/A #N/A

Interest Expense *** Active Default % = Act Def Balance / (Act Def Balance + Act Net Loans Balance)

Extraordinary Expense

All Other Expenses Any Active PCLP Loans? No

Total Expenses -$ $

Total Debenture of Active PCLP Loans #N/A

Net Income -$ Required PCLP/Loan Loss Reserve Amount #N/A

Current PCLP/Loan Loss Reserve Amount

Cumulative Cash Flow Last 5 years #N/A

CDC % Peer Rate CDC Benchmark Does the CDC owe reimbursement to SBA? Y/N

Upfront Fees Not Yet Available

Annual Fees

Purchases Key Rates Lender % Peer

Recoveries Last 12 Month Default Rate #N/A #N/A

Net #N/A #N/A #N/A Last 5 Year Default Rate #N/A #N/A

Solvency and Financial Condition Comments Does the CDC have adequate cash flow and reserves to operate?

Does the CDC get contributions from government or other sponsors?

Does the CDC meet PCLP requirements for establishing a Loan Loss Reserve Fund?

Does the CDC have adequate liquidity? Does the CDC have a capital plan that details actions to raise additional capital if needed?

Other Solvency and Financial Conditions comments.

Solvency Section Total Score

This report is strictly confidential.

Wednesday, July 30, 2014

CDC $

#N/A

Loan Loss Reserve Deficit Amount

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

#N/A

#N/A

PCLP Loss Billings Outstanding

#N/A #N/A

#N/A

#N/A

#N/A

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

Management and Governance Board of Directors 13 CFR 120.823 CDC Staff 13 CFR 120.824

Non-Voting Voting Total Number of full time professional staff and management?

0 Y/N

0 CDC Staff Qualifications and Training

0 Job Description Years of Experience

0 0 0

All Board Members are members of the CDC? Y/N

Board of Directors meet quarterly? Y/N

Date of last Board meeting

Committee(s) 13 CFR 120.823(a) CDC Service Provider

Executive Committee

Loan Committee Job Description SBA District Office

Reviewing Contract Date of Approval

Audit Committee

Executive Compensation Committee

Requirements for Operating 13 CFR 120.826

Board Approved Internal Control Policy? Y/N

Loan Classification Standards Consistent w/ FFIR? Y/N

Date Loan Review was Conducted

Loan Review Conducted by

Legal Structure

Current bylaws reviewed by the District and SBA HQ? Y/N

Current bylaws are in compliance? Y/N

Origination Risk (Last 36 months)

$ of Loans CDC % Peer

High Risk Orig % #N/A #N/A #N/A

CDC Risk Rating Current Quarter Previous Quarter Two Quarters Prior Three Quarters Prior

Purchase Status Over 3 Years Lender Risk Rating (Calc) #N/A #N/A #N/A #N/A

# $ % of Purchase Balance Lender Risk Rating (Override) #N/A

In Purch. > 3 yrs #N/A #N/A #N/A SBA Override? #N/A

Lender Puchase Rating (LPR) #N/A #N/A

Does the Board meet quarterly as required?

Does the CDC maintain detail minutes of quarterly Board meetings that include agenda and detail description of decisions? Obtain copies of the last four quarterly meeting minutes.

Does the Board have adequate awareness of the CDC's performance?

Have the Board and CDC Management established short and long term strategic goals for the CDC?

Are the CDC staff receiving sufficient training on the SBA 504 program requirements to fulfill their role and responsibilities?

Describe adequacy of risk rating methodology

Does the CDC have an established independent loan review?

Other Management and Governance Comments (for example, type of I.T. systems used)

Management Section Total Score

This report is strictly confidential.

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

Board Member Type

Government

Total

No

At least one salaried professional employee?

Last Training

Attended

Wednesday, July 30, 2014

Community

Meet Requirements Y/N or N/A

Name of Staff

Commercial Lenders

Business

#N/A

Comments from District Office

CDC Benchmark

#N/A

#N/A

Management and Governance Comments

Any contract for managing, marketing, packaging, processing, closing, servicing or liquidations functions at the CDC approved by SBA?

Contractor Name

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

Asset Quality and Servicing Undisbursed Approvals # Approval $ Vintage Analysis (by Disbursement SBA Fiscal Year)

Approvals not Disbursed in the past 4 years #N/A #N/A

Servicing Risk (Current Quarter)

Outstanding $ CDC % Peer CDC Benchmark 2002 #N/A #N/A #N/A #N/A

Past Due % -$ #N/A #N/A 2003 #N/A #N/A #N/A #N/A

Delinquency % -$ #N/A #N/A 2004 #N/A #N/A #N/A #N/A

Deferred % -$ #N/A #N/A 2005 #N/A #N/A #N/A #N/A

In Catch-Up % -$ #N/A #N/A 2006 #N/A #N/A #N/A #N/A

Projected Purch % #N/A #N/A #N/A 2007 #N/A #N/A #N/A #N/A

Stressed % -$ #N/A #N/A #N/A 2008 #N/A #N/A #N/A #N/A

2009 #N/A #N/A #N/A #N/A

Early Problem and Default (Last 36 months) 2010 #N/A #N/A #N/A #N/A

$ of Loans CDC % Peer CDC Benchmark 2011 #N/A #N/A #N/A #N/A

Early Problem % #N/A #N/A #N/A #N/A 2012 #N/A #N/A #N/A #N/A

Early Default % #N/A #N/A #N/A 2013 #N/A #N/A #N/A #N/A

Resolution Risk (Current Quarter) Gross Balance by Delivery Method

# Outstanding $ CDC % Peer CDC Benchmark Gross Loans # Gross Loans $ Past Due % Delinquent % Deferred % In-Catch Up % Act Purch %

Active Purch % #N/A #N/A #N/A #N/A ALP 0 -$ 0.0% 0.0% 0.0% 0.0% #N/A

12 Month Purch % #N/A #N/A #N/A #N/A 504REG 0 -$ 0.0% 0.0% 0.0% 0.0% #N/A

PCLP 0 -$ 0.0% 0.0% 0.0% 0.0% #N/A

Avg # months of loans in Active Purchase Status #N/A 504RFI 0 -$ 0.0% 0.0% 0.0% 0.0% #N/A

504D 0 -$ 0.0% 0.0% 0.0% 0.0% #N/A

Recovery Rate (over Last 5 Years) #N/A #N/A #N/A Total 0 -$ #N/A #N/A #N/A #N/A #N/A

Last 12 Month Charge-Off Rate

CDC $ CDC % Peer %

#N/A #N/A #N/A

Asset Quality and Servicing Comments Non-Current and Active Purchase Stratification Comments:

Discuss with management the cause of underperformance for any Risk indicators.

Does the CDC have adequate staff to service the portfolio?

Does the CDC have adequate written credit policies?

Is the CDC proactive in managing its outstanding loan portfolio?

Does the CDC cooperate with SBA Servicing Center personnel during liquidation of loans?

Does the CDC prepare liquidation plans and Wrap-up reports as required? Are there any actual or potential harm issues?

This report is strictly confidential.

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

#N/AAsset Quality Total Score

Comments from SBA Sacramento Processing Center, Service Center and District Counsel

#N/A

Disbursed $ # of Disbursed

Loans

Disbursement

Fiscal Year

Wednesday, July 30, 2014

#N/A

Last 12 months

Average

SBPS at

Approval

Approval $ for

Disbursed Loans

Gross Purchase Amt of

Disbursed Loans for Given

FY

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

Regulatory Compliance Delegated Authority Expirations: SBA Reporting

Delegation Expiration Date Delegation Reports sent to Commercial Loan Servicing Center Qtr 1 (Y/N) Qtr 2 (Y/N) Qtr 3 (Y/N)

ALP #N/A ACL CDC Quarterly Delinquency Report

PCLP #N/A ASM

IRS

State of Incorporation Has the CDC filed all its required tax returns?

What State is the CDC incorporated? Most Recent Filing Date?

Is the CDC in good standing with state?

Minimum Level of 504 Activity

Annual Report Status # of Loans Approved the Past 2 Years #N/A

Date of Latest Annual Report Submitted to SBA

Financial Statement was Audited or Reviewed Directors and Officers Liability Insurance

Name of CPA Firm Exp. Date Per Claim Aggregate Deductible

State CPA Firm is Licensed

Opinion provided for Audited Financial by CPA Firm

Designated Attorney Professional Liability Insurance

Policy Exp. Date Per Claim Aggregate Deductible Status

Date of CDC's Corrective Actions Response

Assessment of Review OCRM Determination of CDC's Response

Findings: Number of Repeat Findings

Regulatory Compliance Comments Is the CDC submitting all required reports to SBA in an accurate and timely manner?

Comments on the CLSC “CDC Quarterly Delinquecy Report” for the three most recent quarters determining that the CDC has notified SBA of its plans and steps to bring all accounts current?

Is the CDC in compliance with SBA regulations concerning its 504 Lending Activities?

Is the CDC in compliance with SBA regulations concerning its operation?

Are there any conflicts of interest, self-dealing or self-profiting?

Other Regulatory Compliance Comments

Regulatory Section Total Score

Y/N

Name of Attorney

Wednesday, July 30, 2014

Lender Corrective Action Response from Previous Risk-Based Review

Training Expires

Name of Insurance Co.

Date of Latest Onsite Risk Based Review #N/A

#N/A

#N/A

State License

#N/A

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

#N/A

This report is strictly confidential.

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

Technical Issues and Mission

#N/A #N/A Top Industry Concentration Rate

# of loans $ %

Loan Approvals #N/A #N/A #N/A #N/A

Approval FY # of loans Approval $ #N/A

2009 #N/A #N/A Top 10 NAICS

2010 #N/A #N/A # of loans $ %

2011 #N/A #N/A #N/A #N/A #N/A #N/A

2012 #N/A #N/A #N/A #N/A #N/A #N/A

2013 #N/A #N/A #N/A #N/A #N/A #N/A

Total #N/A #N/A #N/A #N/A #N/A #N/A

#N/A #N/A #N/A #N/A

Y/N #N/A #N/A #N/A #N/A

Y/N #N/A #N/A #N/A #N/A

State 1 (if applicable) #N/A #N/A #N/A #N/A

State 2 (if applicable) #N/A #N/A #N/A #N/A

State 3 (if applicable) #N/A #N/A #N/A #N/A

State 4 (if applicable)

Top 5 Franchises % of Active Portfolio

Top 5 States # of loans $ %

States # of Loans $ % 1 #N/A #N/A #N/A #N/A

- 0 -$ #DIV/0! 2 #N/A #N/A #N/A #N/A

- 0 -$ #DIV/0! 3 #N/A #N/A #N/A #N/A

- 0 -$ #DIV/0! 4 #N/A #N/A #N/A #N/A

- 0 -$ #DIV/0! 5 #N/A #N/A #N/A #N/A

- 0 -$ #DIV/0! Total Franchise Portfolio: #N/A #N/A #N/A

If the CDC is an ALP, does the CDC meets the three years 20 applications requirement?

If the CDC is an ALP, does it contain at least 30 active loans?

Does the CDC adequately market the SBA 504 Program in it area of operations?

Is the CDC meeting its economic development mission?

If CDC has Lending Extension Area Authority (LEA) or multi-state, is/are the CDC's Designated Attorney(s) licensed to practice in the expansion state(s)?

If CDC has Multi-State Authority: does the CDC have a separate loan committee in expansion state(s)?

Other economic development activities?

Other Technical Issues and Mission Comments

Technical Issues Section Total Score

This report is strictly confidential.

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof.

Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

#N/A

NAICS Subsector

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

Multi-State Expansion?

Lending Extension Area Authority?

Wednesday, July 30, 2014

Franchise

Technical Issues and Mission Comments

#N/A

#N/A

#N/A

NAICS Subsector

Avg Current SBPS Score (Weighted)

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

Additional Comments to Page:

Additional Comments to Page:

Additional Comments to Page:

Additional Comments to Page:

This report is strictly confidential.

Wednesday, July 30, 2014

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

Office of Credit Risk Management CDC Small Business F (C055736)

Day Report Generated:

Lender Reported Data as of 2/28/2014; Cash Flow and Approval Data as of 3/31/2014 Source Data Updated Quarterly

SMART Category Attribute Description

5 Year Cumulative Net Yield

Numerator - (Annualized) Cumulative net cash flow, including purchase, recovery, origination and servicing fees over the last 5 years

Denominator -Gross balance averaged over the last 5 years

12 Month Default Rate

Numerator - Default Amount over the last 12 months, defined by gross purchase amount

Denominator - Active Gross Balance averaged over the last 12 months + the

Default Amount over the last 12 months

5 Year Default Rate

Numerator - Default Amount over the last 5 years, defined by gross purchase amount

Denominator - Active Gross Balance averaged over last 5 years + Default Amount over last 5 years

SMART Category Attribute Description

Lender Purchase Rating (formerly

LRR)

A Lender Rating based on forecasted purchases for the next 12 months

High Risk Origination Rate*

Numerator - Gross Approval Amount for young (mob ≤ 36) risky (original SBPS <

160) * loans that have been disbursed

Denominator - Gross Approval Amount for young loans (mob ≤ 36) that have been disbursed

Loans in Purchase Status over 3

Years Rate

Numerator - Gross Balance of loans in purchase status over 3 years that were purchased due to liquidation

Denominator - Gross Balance of all loans currently in purchase status due to liquidation

SMART Category Attribute Description

Stressed Rate

Numerator - Stressed (past due (31-59 days past due), deferred, delinquent (60 or more days past due), or catch-up) balance

Denominator - Active Gross Balance

Recovery Rate (Over last 5 years)

Numerator - Cumulative Recovery Amount (funds realized after purchase) for defaulted loans charged off or paid in full over the last 5 years

Denominator - Cumulative Purchase Amount for loans charged off or paid in full over last 5 years

Early Problem Loan Rate

Numerator - Active Gross Balance for young (mob ≤ 36) loans that have had either a deferred, delinquent (60 or more days past due), catch-up, purchased, or charged off status within 18 months of disbursement

Denominator - Gross Approval Amount for young loans (mob ≤ 36) that have been disbursed

SMART Category Attribute Description

Regulatory Compliance Minimum Level of 504 Activity The number of 504 debentures approved in the last two years

SMART Category Attribute Description

Average SBPS (weighted) Average Small Business Portfolio Score (SBPS) weighted by active gross balance

Top Industry Concentration Rate Numerator - Gross Balance of loans in a given industry subsector (NAICS 3 digit code)

Denominator - Gross Balance

* 504 SBPS risk categories - high risk (< 160) , medium risk (160 - 199), and low risk ( ≥ 200)

** Lender level attributes in blue are currently not in L/LMS data system and require calculation

Wednesday, July 30, 2014

Definitions of Key Metrics

Solvency

Management

This Report is the property of the U.S. Small Business Administration, Office of Credit Risk Management, and is furnished for the confidential use of the examined entity. Under no circumstances shall any recipient of this report or its parent company, or any of their directors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report is subject to the penalties in 18 USC 641. The

Office of Credit Risk Management must be notified immediately if the examined entity receives a subpoena or other legal process calling for the production of this report.

Asset Quality

Technical Issues

This report is strictly confidential.

Logic for Missing Values

The rate is missing if lender's average outstanding gross balance (Denominator) is missing or zero (an inactive lender).

When the rate is missing, the lender will be scored a 3 (Acceptable).

The rate is missing if lender's average outstanding gross balance (Denominator) is missing or zero (an inactive lender).

When the rate is missing, the lender will be scored a 3 (Acceptable).

The rate is missing if the summation of the lender's average 60 month active gross balance and 60 month default amount (Denominator) is missing or zero.

When the rate is missing, the lender will be scored a 3 (Acceptable).

Logic for Missing Values n/a

The rate is missing if the gross approval amount for loans 36 months old or younger (Denominator) is missing or zero (a lender currently has no young loans).

When the rate is missing, the lender will be scored a 3 (Acceptable).

The rate is missing if the gross balance of loans in purchase due to liquidation

(Denominator) is missing or zero (a lender currently has no loans in purchase due to liquidation).

When the rate is missing, the lender will be scored a 1 (Preferred).

When activity is missing the lender will be scored a 5 (less than acceptable).

Logic for Missing Values

The weighted average SBPS is missing if the active gross balance or SBPS is

The rate is missing if the gross balance (Denominator) is missing or zero.

When the score is missing, the lender will be scored a 3 (Acceptable).

Logic for Missing Values

The rate is missing if the lender's active gross balance (Denominator) is missing or zero (currently no active loans).

When the rate is missing, the lender will be scored a 3 (Acceptable).

The rate is missing if the cumulative purchase amount over last 5 years

(Denominator) is zero or missing (lender has not had a loan purchased and paid in full or charged off in the last 5 years).

When the rate is missing, the lender will be scored a 3 (Acceptable).

The rate is missing if the gross approval amount for loans 36 months old or younger (Denominator) is missing or zero (a lender currently has no young loans).

When the rate is missing, the lender will be scored a 3 (Acceptable).

Loan Level Attributes