Harmoney

[permutation]

Today is my 3rd anniversary of Harmoney lending. Report card so far over this period; over 1840 all time loans taken, of which 48% have been repaid.

Personal RAR has increased to 14.31%, 410 pips above today's platform RAR. All time Charge-offs 35, E and F grades 16/101= 15.84% and A-D grades 19/1740= 1.092%

A note to these stats, 500 of my current loans have been taken since August 1 2017 when Harmoney introduced V1.5 interest rate card, so I expect more Charge offs and a possible stabilization of the RAR.

The sharp glitch downward on the chart toward the end of 2015 was a result of heavy charge-offs in the E-F grades. Today have less than 40 active loans remaining in A,E,F.

RAR 3 Year History.JPG