The Next Generation of ARM Waypoint Resource Group

Leveraging Experience and Expertise Waypoint capitalizes on the resources, compliance standard, and winning track record of TG, our parent company. Strong financials, no debt, wholly-owned facilities Industry-leading contact center expertise and infrastructure 36+ years success Superior portfolio management strategy Web applications and online consumer support High compliance standards

NEARLY 4 DECADES OF FINANCIAL GROWTH By the Numbers RECOVERED IN 2015 795M $ NEARLY 4 DECADES OF FINANCIAL GROWTH MANAGED 72.4B $ 12B $ 10M FOR 4.6M BORROWERS SINCE INCEPTION UNDER MANAGEMENT Customer Interactions 194,000 SQ. FT. in 2015 state-of-the-art, fully-owned facility, located near Austin, Texas CONSISTENTLY RANKED IN 3 BEST-PERFORMING GUARANTY AGENCIES TOP 5 180 agents 300 Years Average tenure Open seats

Support For Your Business Needs WAYPOINT Portfolio management Call center services Collections Risk Segmentation and analysis

Waypoint – The Next Generation of ARM Industry-leading ARM solutions built with responsive, compliant measures at the core Customized support tailored to your needs including trending industry services like web chat Collaborative, transparent, easy-to-use feedback channels for clients throughout the revenue lifecycle Program managers trained to interface with clients, IT, and operational leadership team Guidance on the latest industry and regulatory changes

Waypoint Solutions SERVICE DETAILS Data and analytics Deliver database-driven solutions for managing performing and non-performing portfolios. Consulting Offer strategic operational and regulatory guidance in support of client strategies and KPIs. BPO Provide state-of-the-art call center operations with highly secure interfaces in secure facilities. Account servicing Supply automated, compliant processes for performing, pre-write off, and collection portfolios with precise on-time reporting. Back-office support Support client challenges with back-office talent for labor-intensive or complex processes.

Pre-Write Off or Default Collections Post-Write Off Collections Our Areas of Specialty Performing Portfolio Outsourcing Inbound customer service Outbound customer service Up-sell/cross-sell/CRM Email/inquiry Snail mail processing Web inquiries and support Pre-Write Off or Default Collections Scoring/strategy First-party (inbound/outbound) Third-party (inbound/outbound) Pre-legal & legal Legal collections Litigation services Contract replacement/ modification/redaction Lettering Skip tracing (inbound/outbound) Collateral location services Post-Write Off Collections Pre-legal & legal Small balance Warehouse Skip tracing Lettering Elect message delivery Specialty collections for bankruptcy and deceased care Placement models and strategies

Danen Shiek (888) 648-6606 sales@waypoint.com www.waypoint.com