1. Keeping thing simple Auto Loan Modification

2. Rhombus Auto Loan Modification One simple solution to avoid Repossession 01 www.rhombustechnologies.com

3. Auto Loan Modification??? Auto loan modification is a broad term used to describe any change to your car loan contract. Most people who seek modification do so because they believe they can gain a more favorable contract the second time through than the first. Others can no longer afford their loan at the current agreement. In either case, modification is not an easy process, and it is not always possible 02 www.rhombustechnologies.com

4. Scope of Auto Mods…. With the current economic difficulties, auto / vehicle finance companies are experiencing an increase in late payments as well as repossession. Just like the mortgage industry, auto financing companies becoming more aware of the consumers hardship and are starting to work with them in modifying car notes. Why stop at mortgage loan modification when you have to opportunity to lower and/or modify your customer’s automobile payments as well? In some cases auto loan modification may even benefit mortgage modification clients by reducing the debt to income ratio and increasing disposable income. 03 www.rhombustechnologies.com

5. Why Rhombus ? Trained & Experienced staff Processing Team includes MBA’S, Engineers, and Master’s in Banking etc. Thousands of Loans already modified Many satisfied clients with prompt and fast approvals Tenured Finance Professionals Every file has detailed case research analysis Access Live updates on the CRM 24/7 Quick Turn around Time Save your money on staffing expenses 04 www.rhombustechnologies.com

6. Documents you need to provide us. Hardship Letter Borrowers Authorization Paystubs W2’S / 1040’S List of Monthly expenses Bank Statements Copy of drivers License Copy of insurance policy for the vehicle Loan Statement for the vehicle Note:- {we can also contact the customer directly on your behalf to collect missing docs.} 05 www.rhombustechnologies.com

7. Reports generated by us. 06 www.rhombustechnologies.com

8. Our Proposal 07 www.rhombustechnologies.com

9. Model Pricing Reports 08 www.rhombustechnologies.com

10. Underwriting & Income Calculation 09 www.rhombustechnologies.com

11. DTI & Disposal calculation Analysis 10 www.rhombustechnologies.com

12. Stage 2 11 www.rhombustechnologies.com Income Summary Debt Ratio Analysis Affordability Analysis Asset Summary Hardship Description Verification of Income Establish Loan Scenario vs. Proposed Modification Terms. Record all the timely updates on the CRM Submit completed package to Lender as required.

13. Closing Function Stage 3 Verification of Vehicle Loan Modification terms against offer made by Investor. Schedule of vehicle loan modification execution with Notary, (as required). Filing / confirming lender boarding of vehicle loan modification terms. 12 www.rhombustechnologies.com Stage 2 (con) Reply and respond to additional information request Follow ups on submissions Received and Convey modification terms to the client or customer. ………………………………………………………………..............................................................

14. Contact Us Rhombus Technologies Inc. 82-36, 259th St., Floral Park, New York, 11004 Contact Person: Rekha Singh (Rebecca) Tel: 1-877-869-7950 Fax: 1-800-309-6316 Email: rebecca@rhombustech.net Url: www.rhombustechnologies.com 13 www.rhombustechnologies.com

15. Keeping thing simple Rhombus Technologies Pvt.Ltd. 601,Dhanthak Plaza,Makwana Road,Marol.Andheri(East),Mumbai 59 | T: +91 22 2850 1416 | F:+91 22 6692 6600 82_36 259 St Floral Park NY 11004 | T:866-833-6840 | F: 800-579-4118z