下面是10Q里关于Regions Bank问题的原话。
Bank Partner Relationships and Commitments. Our ability to generate and increase transaction volume and expand our loan servicing portfolio is, in part, dependent both on retaining our existing Bank Partners and having them renew and expand their commitments and on adding new Bank Partners to increase funding capacity and replace non-renewing Bank Partners. Our failure to do so could materially and adversely affect our business and our ability to grow. A Bank Partner’s funding commitment has an initial multi-year term, after which the commitment is either renewed (typically on an annual basis) or expires. No assurance is given that any of the current funding commitments of our Bank Partners will be renewed. In that regard, Regions Bank, one of our Bank Partners, has indicated that it has made a strategic decision to reduce its use of indirect lending programs, and we currently do not anticipate renewing its funding commitment when it expires in the fourth quarter of this year. Less than $150 million of this $2 billion funding commitment was unused as of the date hereof, and we expect that this commitment will be fully funded or substantially fully funded when it expires. Based on our experience, we believe that, in the ordinary course of business, we will be able to replace this commitment well in advance of any need to add funding capacity.