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

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 ™

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 s to communicate directly with these borrowers Ability to target borrowers who have delinquent loans Selected letters available in Spanish Paper or electronic communication options

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 template that can be generated to borrowers with delinquent loans –Letters for multiple loan statuses: days, days, and 210+ days delinquent, and claim-pending

AdvanTG Web ™ Access

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

AdvanTG Web – IDA main menu

IDA/ESR Access

IDA and ESR portal ─ Login page

New IDA main menu

IDA Reports

IDA reports page

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

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, –TG will use the three-year calculation for loans with a Date Entered Repayment (DER) in FY 2009 and beyond.

Cohort default rate reporting Fiscal year (FY) Denominator (enter repayment) Numerator (in default) CDR publication dates CDR used for school sanctions /01/ /30/09 2-yr: 10/01/ /30/10 3-yr: 10/01/ /30/11 2-yr: Sept yr: Sept yr rate (25%) /01/ /30/10 2-yr: 10/01/ /30/11 3-yr: 10/01/ /30/12 2-yr: Sept yr: Sept yr rate (25%) /01/ /30/11 2-yr: 10/01/ /30/12 3-yr: 10/01/ /30/13 2-yr: Sept yr: Sept yr rate (25%) 3-yr rate (30%) /01/ /30/12 3-yr: 10/01/ /30/143-yr: Sept yr rate (30%) /01/ /30/13 3-yr: 10/01/ /30/153-yr: Sept yr rate (30%)

Cohort default rate history and forecast example

Timing of delinquencies for a cohort

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

Delinquency and Claim Status Report

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)

IDA Query

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

IDA Query page

IDA Query ─ Selection criteria

Standard Default Management Report (DMR)

Standard DMR

Customized DMR — Summary Default Report

Borrower Correspondence

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

Managing IDA Templates

New IDA main menu School must set up profile before generating s

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

IDA and ESR main reporting menu

Manage IDA Templates

Information will be populated based on school’s “Data File for Profile” View IDA Template

Requesting a data file of borrowers To request a data file of letters or s

IDA query ─ Selection criteria

Once query is completed, user is taken to…

Managing IDA Lettersets and Sets

Manage IDA Lettersets and Sets

Manage lettersets - Spanish example

Manage IDA s

Results – Confirmation page

Review and Questions

To learn more about IDA, please contact your: TG Account Executive at (800) TG Default Aversion Consultants – Joe Braxton – (800) , ext – Rett Anderton – (800) , ext – Cindy Marrs – (800) , ext Contact Us

Questions? This presentation is available for download at