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  "documentTitle": "Central Pacific Financial | Investor Presentation Deck | 11 slides",
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  "presentationDate": "2022-01-01 00:00:00",
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  "notes": "The slide highlights three pillars of risk management: target market selection, credit loss absorption by Elevate, and volume control by the sponsor bank.",
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      "text": "No credit risk to CPB. As part of the revenue sharing and credit default agreements, Elevate will absorb 100% of the credit losses on the Swell originated loans AND provide cash collateral into a deposit account at CPB.",
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      "text": "Targeting near-prime consumers. Target market is near-prime and credit model considers many other inputs in addition to FICO score.",
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