1. Integrated Default Assistant ™ (IDA ™ ) Overview Joe Braxton Senior Default Aversion Consultant, TG

2. Integrated Default Assistant (IDA) IDA allows users to: –Track cohort default rate performance for TG-guaranteed loans –Assess effectiveness of default prevention activities –Access the application as a standalone product, or online from within AdvanTG Web ™

3. IDA With TG’s IDA, users can: –Monitor the status of delinquent and defaulted –Pinpoint borrower populations with delinquency using a query tool that can search using multiple variables –Generate letters or e-mails to communicate directly with these borrowers Ability to target borrowers who have delinquent loans Selected letters available in Spanish Paper or electronic communication options

4. IDA IDA provides users with: Suite of detailed reports on several aspects of default prevention –Default management report to pinpoint borrowers with delinquent loans –Servicer, lender, and school cohort default rate reports by school Pre-formatted borrower letters and an e-mail template that can be generated to borrowers with delinquent loans –Letters for multiple loan statuses: 60-158 days, 159-209 days, and 210+ days delinquent, and claim-pending

5. AdvanTG Web ™ Access

6. AdvanTG Web main menu ─ IDA link Link to the IDA main menu

7. AdvanTG Web – IDA main menu

8. IDA/ESR Access

9. IDA and ESR portal ─ Login page

10. New IDA main menu

11. IDA Reports

12. IDA reports page

13. Reports – Online help ‘Select a Report’ panel provides links to online help when users click on a specific report

14. Cohort default rate history and forecast report November 2009: The calculation behind the report has changed to include three-year cohort default rates –The change is a result of the Higher Education Opportunity Act, signed into law August 14, 2008. –TG will use the three-year calculation for loans with a Date Entered Repayment (DER) in FY 2009 and beyond.

15. Cohort default rate reporting Fiscal year (FY) Denominator (enter repayment) Numerator (in default) CDR publication dates CDR used for school sanctions 2009 10/01/08 - 09/30/09 2-yr: 10/01/08 - 09/30/10 3-yr: 10/01/08 - 09/30/11 2-yr: Sept 2011 3-yr: Sept 2012 2-yr rate (25%) 2010 10/01/09 - 09/30/10 2-yr: 10/01/09 - 09/30/11 3-yr: 10/01/09 - 09/30/12 2-yr: Sept 2012 3-yr: Sept 2013 2-yr rate (25%) 2011 10/01/10 - 09/30/11 2-yr: 10/01/10 - 09/30/12 3-yr: 10/01/10 - 09/30/13 2-yr: Sept 2013 3-yr: Sept 2014 2-yr rate (25%) 3-yr rate (30%) 2012 10/01/11 - 09/30/12 3-yr: 10/01/11 - 09/30/143-yr: Sept 20153-yr rate (30%) 2013 10/01/12 - 09/30/13 3-yr: 10/01/12 - 09/30/153-yr: Sept 20163-yr rate (30%)

16. Cohort default rate history and forecast example

17. Timing of delinquencies for a cohort

18. Estimated cohort default/delinquency rates Lender cohort default rates by school Servicer cohort default rates by school

19. Delinquency and Claim Status Report

20. Types of Cures by Lender and Servicer Report Time to Cure by Lender and Servicer Report — displays total number of cured DAARs for each fiscal year Cure reports by lender and servicer For all reports — % columns rounded to the nearest tenth (.x)

21. IDA Query

22. IDA and ESR main reporting menu To request a Default Management Report (DMR)

23. IDA Query page

24. IDA Query ─ Selection criteria

25. Standard Default Management Report (DMR)

26. Standard DMR

27. Customized DMR — Summary Default Report

28. Borrower Correspondence

29. Borrower correspondence Schools are able to send e-mails and/or letters to specific borrower groups Steps for school: –For borrower e-mails – manage a school profile –Create/edit templates for letters –Create a data file for targeted borrowers –Send e-mails and/or letters to targeted group or individual targeted borrowers

30. Managing IDA Templates

31. New IDA main menu School must set up profile before generating e-mails

32. School enters its e-mail address – this address will be displayed in the “To” section of the borrower’s reply e-mail (the “From” section will display the school’s name) School enters Subject Line and Closing Lines School profile ─ Data File for E-mail

33. IDA and ESR main reporting menu

34. Manage IDA Templates

35. Information will be populated based on school’s “Data File for E-mail Profile” View IDA E-mail Template

36. Requesting a data file of borrowers To request a data file of letters or e-mails

37. IDA query ─ Selection criteria

38. Once query is completed, user is taken to…

39. Managing IDA Lettersets and E-mail Sets

40. Manage IDA Lettersets and E-mail Sets

41. Manage lettersets - Spanish example

42. Manage IDA E-mails

43. E-mail Results – Confirmation page

44. Review and Questions

45. To learn more about IDA, please contact your: TG Account Executive at (800) 252-9743 TG Default Aversion Consultants – Joe Braxton – (800) 252-9743, ext. 4696 joe.braxton@tgslc.org – Rett Anderton – (800) 252-9743, ext. 4765 rett.anderton@tgslc.org – Cindy Marrs – (800) 252-9743, ext. 4784 cynthia.marrs@tgslc.org Contact Us

46. Questions? This presentation is available for download at www.tgslc.org/tgconference.