Your Conservative strategy invests in current investment opportunities with buyback obligation and a Mintos Risk Score of 10 to 7. The algorithm prioritizes risk reduction. The portfolio of the lending companies issuing the underlying loans is at least 80% current, and it has less than 3% pending payments. The exposure is capped at 15% per lending company. The strategy will invest only in Sets of Notes that have less than 20% exposure to late loans. It will not invest in a Set of Notes if any of the underlying loans are more than 10 days pending. To give you the best diversification for additional protection and stable returns, your strategy is rebalanced every day.