PORTFOLIO
ANALYSIS
WillCap™
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Benefits
!!
!"#$%&'()**'+(#'$,%$")-.'()-/(
!-.$')*'(0%$$%1'$($'+'-+2%-(
!!
3+$24'()(0)5)-.'(#6052.(#%52.7(
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!!
!/'-+2,7(5%)-*()+($2*4(%,(/',)65+(
!!
:-)57?'(#%$+,%52%*(+%(,%$'.)*+(
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!!
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5%)-(+$')+"'-+(%#+2%-*(@-'+(
#$'*'-+(&)56'A
Novel Perspective
L>'($2*'(2-(5%)-("%/2!(.)+2%-($'/',)65+*(.5')$57(*>%1*(+>)+()..'#+'/(5%**(2-/2.)+%$*C(*6.>()*(
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/''#'$(/)+)(1'55(+>)+(2-+'8$)+'*(+$)/2+2%-)5(2-/2.)+%$*(12+>(.$'/2+C(#$%#'$+7()-/(5%.)5(")$4'+(
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Willingness, Capacity & Distress
H>25'(*+6/72-8("%$+8)8'(/',)65+*C(1'(/2*.%&'$'/()(6-2F6'($'5)+2%-*>2#(0'+1''-(0%$$%1'$(
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12552-8-'**C(.)#).2+7(+%(#)7C()-/(/'0+(/2*+$'**(#5)7(*28-2!(.)-+($%5'*(2-(1%$4%6+(*6..'**D
!!
H2552-8-'**(N(O%1("6.>($'*%5&'C(',,%$+()-/(*4255(0%$$%1'$*()##57(+%(*'$&2.2-8(/'0+*(
!!
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/'")-/*(,%$(0%$$%1'$(.)*>C(.)#).2+7(2*(-%+(+>'(*)"'()*(2-.%"'(%$(/'0+;+%;2-.%"'($)+2%(
!!
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/'+'$"2-2-8(#%$+,%52%($2*4()-/(+>'(&)$2%6*(2"#).+*(%,(5%)-(+$')+"'-+(*.'-)$2%*(%-(#%$+,%52%(#'$,%$")-.'D(H255I)#(*#)-*(+>'(
0%$$%1'$C(#$%#'$+7C(5%)-(#$%/6.+()-/($')5('*+)+'(")$4'+("%*)2.(+%($'-/'$($2*4(!(-/2-8*C($'.%""'-/'/(+$')+"'-+*C('=#'.+'/(
%6+.%"'*()-/()**%.2)+'/(.%*+*D(!**6'*(H255I)#()//$'**'*(2-.56/'R(
!!
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!!
!-.$')*2-8(-'+($'+6$-*(%,()**'+(/2*#%*2+2%-
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P'+'$"2-2-8(1>'$'C(1>'-()-/(1>7(+%(/2*.%6-+(#$2-.2#)5
!!
O28>'$(")+.>($)+'(%,(0%$$%1'$*(+%(+$')+"'-+(%#+2%-*
!!
Q$%12-8(0%$$%1'$($'+'-+2%-(+>$%68>(5%)-("%/2!(.)+2%-
High Value 1.50
Safe & Sound
8
20
Default Likely
Property 0.00
19
On the Edge
Refi Candidate
2
Low Value -1.00
-2.75
0.00
Borrower
WillCap behavioral technology translates multiple data sources into behavior-rich borrower profiles and groups.
1.00
(How WillCap Works
H'(0)*'/(H255I)#(%-(").>2-';5')$-2-8(+'.>-2F6'*()-/()(/)+)0)*'(%,("%$'(+>)-(!(&'("2552%-(5%)-*C(2-.56/2-8("%$'(+>)-(SDT("2552%-(
5%)-*(*609'.+(+%(5%)-("%/2!(.)+2%-C(*>%$+(*)5'C(,%$'.5%*6$'(%$(%+>'$(+$')+"'-+D(U*2-8(#%1'$,65(0%$$%1'$()-/(#$%#'$+7("%/'5*C(
H255I)#(.5)**2!('*(0%$$%1'$*()-/(#$%#'$+2'*(2-+%("')-2-8,65(8$%6#*C(').>(12+>()(6-2F6'(0'>)&2%$()-/($2*4(#$%!(5'D(O28>;$2*4(8$%6#*(
2-.56/'(0%$$%1'$*(12+>(52"2+'/(/'0+;*'$&2.2-8(*4255*(1>%()$'(524'57(+%(/',)65+D(J%1;$2*4(8$%6#*(2-.56/'(0%$$%1'$*(1>%()$'(5'**(524'57(
+%(/',)65+()-/(>)&'(0'++'$(/'0+;*'$&2.2-8(*4255*D(
H255I)#(.5)**2!(.)+2%-(")4'*(2+(')*7(+%(/'+'$"2-'(0%$$%1'$(+7#'*()-/(+>'(1>)+C(1>'-()-/(1>7(0'>2-/(').>(0%$$%1'$M*(#$'/2.)"'-+D(H'55;
/'&'5%#'/()-/(#'$*2*+'-+(0%$$%1'$(/'0+;*'$&2.2-8(0'>)&2%$C()5%-8(12+>(.%$$'5)+2%-*(0'+1''-(+>'(0%$$%1'$C(#$%#'$+7C()-/(5%)-(#$%/6.+(
/'+)25*()55%1(H255I)#(+%(2/'-+2,7()+;$2*4(5%)-*()-/(,%$"65)+'(+$')+"'-+($'.%""'-/)+2%-*(12+>(+>'(8$')+'*+(524'52>%%/(%,(*6..'**D(
Debt-Servicing Capacity
Willingness to Pay
Default
Debt-Servicing Distress
Combined Loan-to-Value (CLTV)
Nondefault
Examining debt-servicing willingness, capacity and distress provides a more insightful look at borrower risk than CLTV alone.
Advanced, Flexible
H255I)#(#$%&2/'*()(.%""%-(/'.2*2%-(,$)"'1%$4(+>)+('52"2-)+'*(*6$#$2*'*D(E7(/'&'5%#'/()(*+$)+'87(12+>2-(H255I)#C(7%6(.)-(>'5#(
'-*6$'(+>)+(*+$)+'87(1255(0'('='.6+'/().$%**(+>'(%$8)-2?)+2%-*C(6*2-8(+>'(*)"'(#)$)"'+'$*()-/("'+$2.*D
Forecasting
Origination
Behavioral
Technology
Surveillance
Strategy
Loan
Treatment
WillCap offers a common technology platform that supports many diverse applications.
Application Models
H255I)#(%,,'$*(!(&'(/2,,'$'-+()##52.)+2%-*()-/()55%1*(7%6(+%(6*'(%-'(%$("%$'()##52.)+2%-*C(/'#'-/2-8(%-(7%6$()$')*(%,(-''/D
Loan Treatments
!-(5%)-(+$')+"'-+("%/'C(H255I)#($'.%""'-/*(%#+2")5(5%)-;5'&'5(+$')+"'-+*(@5%)-("%/2!(.)+2%-C(*>%$+(*)5'C(,%$'.5%*6$'C('+.DA(,%$(
').>(/2*+$'**'/(5%)-D(H255I)#(0%+>(*#'.2!('*(+>'("%*+()##$%#$2)+'(+$')+"'-+()-/('*+2")+'*(+>'(#$'.2*'(+'$"*(-'.'**)$7(+%($').>(
*#'.2!(.(#'$,%$")-.'(8%)5*D(V%$(5%)-("%/2!(.)+2%-*C(H255I)#($'.%""'-/*(+>'(#)7"'-+C(#$2-.2#)5C(2-+'$'*+($)+'()-/(%+>'$(+'$"*(
-'.'**)$7(,%$(').>(0%$$%1'$(+%(#'$,%$"(,%$()($'F62$'/(#'$2%/(@'D8D(WXY("%-+>*AD(Z-(*>%$+(*)5'*C(H255I)#('*+2")+'*(+>'(*)5'(#$2.'(
-''/'/(+%("%&'()(*#'.2!(.(#$%#'$+7(2-(2+*(#)$+2.65)$(")$4'+(12+>2-()($'F62$'/(+2"',$)"'D
Portfolio Strategy
H255I)#(*+$)+'87()##52.)+2%-(#$%&2/'*()(#%$+,%52%(&2'1(%,(/2*+$'**'/(5%)-*(+>)+(>'5#*(7%6(#2-#%2-+($2*4()-/(/'+'$"2-'(+>'('.%-%"2.(
)-/(*%.2%#%52+2.)5(2"#).+(%,()(12/'($)-8'(%,(+$')+"'-+(*+$)+'82'*(%-()(#%$+,%52%M*(%&'$)55(#'$,%$")-.'D(
Portfolio Surveillance
H255I)#(>'5#*(7%6(4''#()-('7'(%-(7%6$(#%$+,%52%(07(/7-)"2.)557("%-2+%$2-8()-/(")-)82-8(5%)-*C(#)$+2.65)$57(+>%*'(2-(
/2*+$'**D(:*()(*6$&'255)-.'(+%%5C(H255I)#(2/'-+2!('*(0%$$%1'$C(#$%#'$+7(%$(")$4'+("%&'"'-+*(+>)+(*28-2,7(+>'(-''/(,%$()(/2,,'$'-+(
+$')+"'-+()##$%).>D(
Forecasting
E7(#$%&2/2-8()(>%52*+2.(#%$+,%52%(&2'1C(H255I)#(>'5#*(#$'/2.+(,6+6$'(#%$+,%52%(&)56'(6-/'$(&)$2%6*(*.'-)$2%*C(2-.56/2-8(+>'(524'57(
%6+.%"'*()-/(2"#).+(2,(7%6(+)4'(-%().+2%-D(L>'(,%$'.)*+2-8()##52.)+2%-('=#%*'*(&65-'$)0252+2'*()-/()55%1*(7%6(+%(+)4'(#$%).+2&'(
*+'#*(+%("2-2"2?'(/',)65+($2*4C(.%-/6.+(%09'.+2&'(*+$)+'87(*2"65)+2%-*()-/(")4'(0'++'$;2-,%$"'/(+$')+"'-+(.>%2.'*D(V%$('=)"#5'C(
H255I)#(.)-()..6$)+'57('*+2")+'(+>'()//2+2%-)5(.%*+*(%,(#6$*62-8()(0%$$%1'$($'+'-+2%-(*+$)+'87(&'$*6*(%-'(/'*28-'/(+%(")=2"2?'(
%&'$)55('.%-%"2.(&)56'D(
Loan Origination
H>'-(6*'/()+(5%)-(%$282-)+2%-C(H255I)#(#$%&2/'*()(0$%)/'$(&2'1(%,(+>'(0%$$%1'$M*(12552-8-'**()-/(.)#).2+7(+%("''+(%0528)+2%-*()-/(
.$'/2+(/2*+$'**(5'&'5C()*(1'55()*(#$%&2/2-8(2-*28>+(2-+%(+>'(#$%#'$+7()-/(5%.)5(")$4'+D(L>2*('=#)-/'/(&2'1()55%1*(7%6(+%(8'+()(.5')$(
&2'1(%,(+>'(+$6'($2*4*(%,(5'-/2-8(+%(').>(0%$$%1'$D(
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1-WLLCP-0710-01
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