To help you make informed decisions about investing in Notes, we evaluate investment risk with the Mintos Risk Score. The Mintos Risk Score rates the risk level of a particular Note on a scale from 10.0 (low risk) to 1.0 (high risk). The calculated score is rounded to the nearest integer. The Mintos Risk Score is calculated from 4 subscores assigned to the underlying loans, based on the lending company’s loan portfolio performance, the efficiency of loan servicing, buyback strength, and legal setup between the lending company and us. The Mintos Risk Score can be withdrawn if one or more of the subscores is not available, and this is expressed with the value “Score Withdrawn” or (SW).
