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THC NetworkPartners  
We share:  
The common goal of servicing community banks and credit unions  
A common asset/liability management analytical platform  
Revenue  
THC is committed to providing community banks and credit unions with the best in class asset/liability  
management (ALM) analytics to enhance performance. The THC Network™ Partnership Program is  
established to provide community banks and credit unions access to multiple services. Today, our  
partners offer solutions including core processing, CALL reporting, strategic consulting, ALM consulting,  
loan transactions, CD funding, liquidity back stop, and financial block chain technologies.  
Benefits to the Partners  
has partnered with multiple institutions to deliver quality ALM services to their membership base. THC  
is the only cloud-based ALM analytical solution that can make this unique partnership possible. The  
business arrangement is simple:  
Share a Common Analytical Platform  
Our partners white label our product, THC Network™. THC Network™ is a comprehensive ALM analytics  
platform that provides interest rate risk, liquidity risk, and credit risk reporting, financial simulations,  
budgeting, loan transaction analysis, trade simulations, CECL, variance analysis and more. You can  
leverage the THC financial modeling brand. Financial models are based on the state-of-the-art standards  
maintained by Thomas Ho, PhD over 35 years of experience. Our partners can use any part of the  
comprehensive portfolio of balance sheet analytics. We share the same analytical platform to ensure  
efficiency in supporting partners’ clients and relationships.  
Share Revenue  
A revenue sharing model is utilized to ensure the two companies share common goals. No cost is  
imposed upon the partner until revenue has been generated.  
With comprehensive THC ALM analytics and proven client support, our partners can license  
balance sheet solutions to their members a la carte with minimal operational burden. Our  
partners have the option to provide client support to their customers, ultimately strengthening  
relationships.  
THC has several door openers, to include a fully implemented CECL solution and contingency  
funding plan reports. We work behind the scenes to provide you sales and client support.  
Your banks have access to the THC Loan Transactional Network, the first network that enables  
community banks to transact loans with full ALM analytics support. Your members can seek  
buyers or sellers in our large network of clients and clients of THC partners.  
Deepen Your Relationships  
No need to share relationship information with THC while servicing your clients.  
THC Financial Modeling Brand Value and Business Solutions  
About THC Database  
The database consists of detailed loan level data accumulated since 2006. The data includes  
quarterly or monthly information such as historical payments, performing status, delinquency  
days and more. Extensive research has been completed on the large data base of loan level data  
accumulated over 10 years. The database also contains comprehensive market data accumulated  
since 2004, covering market rates, loan spreads, rate volatility, TBA prices, and loan secondary  
market prices from THC Loan Desk.  
Proprietary research includes all the available regulatory CALL report data, including CRM /  
TFR data for the thrift banks since 2004, to incorporate interest rate risk analysis. The research  
data also includes over 10 years of loan back testing for banks, including both prepayment and  
loss default analysis.  
The loan data covers nearly all loan types including construction loans, land loans, 1-4 family  
mortgages, 2nd mortgage, HELOC, multi-family loans, CRE, farm land loan, agriculture loans,  
commercial loans, credit card, auto loan, personal loans and other consumer loans etc. The Loan  
trading data from loan markets, covers 1-4 family loans, 2nd mortgage, HELOC, auto loan, CRE,  
SBA and multi-family loans and more.  
In sum, there are over 60 million loan records with market trend data for 15 years.  
About THC Asset-Liability Management Analytics  
THC library of analytics have been built since 1987, continually supported and enhanced by  
Thomas Ho’s PhD, founder/president research and business experience.  
1979- 1987 Professor, Stern School of Business, New York University  
1987 1997 Founder/President GAT, a global company  
providing ALM solutions to over 200 large financial institutions  
1997 2006 retained consultant to AIG enterprise risk management  
2006 2012 sole provider of the risk report NPV for OTS/OCC for the regulated banks  
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