Can finding the optimal payment date for a borrower work to actively increase collection rates? HYPOTHESIS GROUPS OUTCOMES TOP LINE INSIGHTS (Model finds optimal day within month) CHAMPION Borrowers that had missed payment, automatic retry at +5 days CHALLENGER Borrowers that had missed payment were automatically reassigned the best day to repay 11.5 % Collection Rate 25.86 % Collection Rate 0% 0% 18% 25% 35% 0% 0% 0% 10% 20% 30% 40% Monday Tuesday Wednesday Thursday Friday Saturday Sunday Optimal Day of Week 11 CONFIDENTIAL ...driving real impact for banks and lenders!