Retail Lending Examination Procedures

General

1. Summary of each retail credit product offered, and a brief description of characteristics and terms. Include descriptions of debt waiver products offered and merchant processing activities, if any. Also, include marketing or acquisition channels used (e.g., direct, Internet, mail, and third-party originators) where applicable.

2. Descriptions of any new or expanded products or marketing initiatives since the last examination and any upcoming plans.

3. Descriptions of any third-party loan generation (e.g., dealers and brokers) or servicing arrangements (e.g., collection agencies).

4. Descriptions of any retail portfolios acquired since the last examination, including due diligence reports.