Directed Capital's process includes the following steps:

Frequently identifying investment opportunities that ensure a constant flow of assets.

Employing a structured underwriting process focused on loan documentation, lien position, loan payment history, the value of the underlying collateral and the overall marketability of the restructured loan; Mitigating risk by applying conservative discount rates in determining the acquisition price of loans.

Acting promptly and efficiently in carrying out due diligence prior to making offers on non-performing loans.

Using a structured loan management, loan servicing and asset disposition process focused on targeted financial objectives expressed as returns on invested capital as established for each loan at the time of acquisition.