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Johny Fernandez: Walk me through
I mean, where you're from and

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where's your business based?
What's the name of your

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business?

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Lorenzo Bowman: Okay, I'm
actually my name's Lorenzo

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Bowman, I happen to be a
relationship manager here at

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Credibly. And we are a direct
lender.

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Johny Fernandez: Alright, so
kind of walk me through what's

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been your experience here so
far?

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Lorenzo Bowman: So far It's been
rather good. I mean, this is my

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first official one going, going
to a debBanked one. I'm

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currently I'm getting deal
subscriptions, you know, as a

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broker as a lender, you want me
to hold this up a little bit

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higher. Yeah. Okay. Okay, yeah.
This is new first time actually,

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I've done small business lending
seminars at the Javits Center,

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okay. But as coming here, as a
broker, or as a lender, this is

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my first time and the experience
has been very nice. It's nice to

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actually talking to a lot of the
people that you never get to see

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on the phone. You know, and I
think this is a great thing for

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our industry overall. Because a
lot of times, we rarely get to

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see each other, given the
pandemic and what's going on,

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people just aren't moving around
like they used to. So this has

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been good for the industry I
believe.

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Johny Fernandez: So kind of walk
me through, I mean, there's

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different panels that are going
to be going on different

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conversations that are going to
be going on today. What are you

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looking forward to the most?

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Lorenzo Bowman: Really, since
it's my first time, I'm going to

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be like a sponge, I'm gonna try
to get to see as many experts

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speak about their our industry,
what they anticipate that's

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going to happen, given the
pandemic, and especially with

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this new variant that's coming
on, how do they see brokers and

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funders, how that's going to
impact the industry overall. So

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really, I'm just here just to
open up and find out what's

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coming down the road, as far as
from the experts.

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Johny Fernandez: So kind of walk
me through your someone that you

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you're in their relationship
management, what's been the

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biggest change that you've seen
the last year and a half? And

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then seeing here had? Do you
think it's going to continue? Do

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you think it's going to change
kind of walk me through your

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experience?

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Lorenzo Bowman: Okay, well, from
my perspective, what I'm hearing

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from my senses, things have
slowed down during the pandemic,

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the biggest reason why business
owners can't do the things that

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they used to do, which is
forecast, you can't forecast,

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therefore, you can't determine
how much money you need. So

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therefore, brokers have to work
a little harder and find that

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business that hasn't been really
that severely impacted by the

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pandemic. Because as we all
know, our product that's simply

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based on cost of capital versus
the return on the investment.

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For a lot of people, it was kind
of difficult, because the

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government was given the money.
So business owners were like,

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wait, we don't need any real
capital, you can just get the

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government money, but not really
understanding that's going to

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run out. So we have to somehow
introduce them to how to use our

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product all over again, and the
impact it's had on their bank

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statements as well, and what
needs to be done moving forward.

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So my job pretty much was to
really just find out where

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they're at letting them know if
in fact, they need me to assist

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with working with their business
owners, as the as the direct

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lender, making their customers
feel a lot more comfortable

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knowing the fact that we are the
source that's working with your

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contact to get you the capital
that you need.

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Johny Fernandez: So let's talk a
little about about you and where

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your business is at for 2022.
What is the goal? What are you

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guys trying to accomplish?

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Lorenzo Bowman: Well me as an
individual, what I'm trying to

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do is make sure that my brokers
understand it's not about just

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submitting deals to us. It's
about submitting deals that are

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fundable. That's number one.
Number two, understanding the

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product to where their business
owners can actually benefit from

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our product, not only from their
perspective, but from our

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perspectives as well. Because we
are tier one thing, a be paid.

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And so my goal is to make sure
the more conversions that we

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have for our business, as far as
the ISOs the more money they

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make. And so my goals to really
train and provide some insight,

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along with letting them know
that we're here for them for

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whatever they need us to do to
help them convert more deals.

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That's the main goal. Yeah,
that's the main goal.

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Johny Fernandez: So being here
today, I mean, they're

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everyone's here. There's a
different there's a lot of

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discussions. There's a lot of
panels, what do you expect out

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of the end of the day?

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Lorenzo Bowman: A whole new
experience it's a learning

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experience. Because you guys
have brought people on board to

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really provide some insight into
their perspective of what they

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anticipate the industry is gonna
be so for us or for me,

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particularly being new to this
right here. I'm really looking

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forward to it. I really am.

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Johny Fernandez: And what do you
what would you say to people

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watching this that are not here
today in person?

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Lorenzo Bowman: You're missing
out on a great opportunity to

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meet a whole bunch of good
people and have a good time.

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Johny Fernandez: Thank you so
much appreciate it Lorenzo.