Consulting Services provided to date to clients, include:

- A full review of credit risk in the Bank's various loan portfolios, including risk in Non-Delinquent / Well   performing Loans.

- Trend analyses over the full period of the available data, showing recent and longer term trends.

- Industry Benchmarks in relation to the relevant portfolios, including Consumer Finance, Overdrafts and   Auto or Equipment Finance

- Comparative analyses of risk and trends across loan types, e.g. various Credit Score Bands, Loan   Maturities or Business Referral Sources.

- The validation and differentiation of Loss Given Default values / Write off ratios for alternative portfolios   and sub-portfolios.

- Account-level Provisions, to direct collections priorities and performance management.

- Provision Calculations for Basel II and IFRS compliance reporting.

- Review of Credit Union Resolution 49 calculations.