How do we monitor, track, and implement changes related to all aspects (forms, processes, etc.) of the SBA guaranty programs?

• Customer Due Diligence Policy Conditions o Customer Information Program (CIP) – Primary Identification o Customer Information Program (CIP) – Secondary Identification o Principal Name/Address Verification (KYC) o Guarantor Name/Address Verification (KYC) o Signer Name/Address Verification (KYC) o Beneficial Owner Name/Address Verification (KYC) o Borrower Documentation (Business) o Borrower Documentation (Individual) o Principal Documentation (Individual) o Guarantor Documentation (Individual) o Beneficial Owner Documentation (Individual) o Affiliate Documentation (Business) o Signer Documentation (Individual) o OFAC/Watchlist Verification (KYC) o Tax Identification Number Verification (KYB) o Proof of Ownership (KYB) o Proof of Good Standing (KYB) • Collateral Due Diligence Policy Conditions o Property Appraisal (Real Estate Property) o Flood Determination (Real Estate Property) o Flood Insurance Verification (Real Estate Property) o Property Survey (Real Estate Property) o Collateral Documentation (Real Estate Property) o Valuation (Vehicle) o Insurance Verification (Vehicle) o Collateral Documentation (Vehicle) o Valuation (Equipment) o Collateral Documentation (Equipment) o Valuation (Possessory) o Collateral Documentation (Possessory)

Our implementations start with these OOTB Scorecards and Policy Conditions and then we analyze your credit policy to identify changes we need to make. By beginning with OOTB Scorecards and Conditions, we can implement more quickly (and it helps you better understand the different frameworks we use to enforce credit policy, due diligence policies, collateral policies, compliance policies and more.