FinTech companies that were used by banks to help get loans into the system but who failed to do so before the system shutdown due to number of loans that overwhelmed their ability to process.

• We know several of the Fintechs who are still sitting on those applications awaiting (and having anticipated) new funding and expect to continuing processing those applications.
• Several of these bank/Fintech partnerships have actually been expanded during this limbo period and some new ones have been created in this time as well.
• The Fintechs have used this period to improve their tech stack to speed up and improve the process.
  • This includes some KYC/underwriting elements that were causing eTran to reject some applications.
  • This includes improving the throughput integration into eTran to allow them to pump more loans into it faster.