★ Inbound Intro

"THANK YOU FOR CALLING UPTURN, THIS IS SPEAKING. HOW CAN I HELP YOU TODAY?" (Client will tell you they received a text about a loan offer)

"OKAY GREAT! AND WHO AM I SPEAKING WITH?"

"HI, — ONCE AGAIN MY NAME IS , PLEASURE MEETING YOU. CONGRATULATIONS! IT SEEMS LIKE YOU HAVE BEEN PRE-APPROVED. IT'S REAL SIMPLE HOW IT WORKS, I JUST HAVE A FEW QUICK QUESTIONS IN ORDER TO GET YOU A FINAL APPROVAL." (Go directly to Primary Loan Questions)

★ Common Intro Rebuttals & Questions

(If they ask "Who are you?")

"WE ARE UPTURN AND UPTURN IS A CONSUMER LENDING COMPANY. WE HAVE A NUMBER OF UNIQUE LENDING PRODUCTS AND OPTIONS TO HELP PEOPLE QUALIFY FOR LOANS THROUGHOUT THE NATION. IT'S REAL SIMPLE HOW IT WORKS, I JUST HAVE A FEW QUICK QUESTIONS IN ORDER TO GET YOU A FINAL APPROVAL." (Go directly to Primary Loan Questions)

(If they ask "Why are you reaching out to me? / I'm returning a call?")

"YES, SO WE WERE REACHING OUT BECAUSE YOU WERE PRE-SELECTED FOR A LOAN OFFER BASED ON BASIC ELIGIBILITY CRITERIA. I'M HAPPY TO GO OVER THE DETAILS AND SEE WHAT YOU QUALIFY FOR. IT'S REAL SIMPLE HOW IT WORKS, I JUST HAVE A FEW QUICK QUESTIONS IN ORDER TO GET YOU A FINAL APPROVAL." (Go directly to Primary Loan Questions)

★ Primary Loan Questions

• So just to confirm, how much are you looking to borrow at this time?
• What would be the primary use of the loan?
• Do you know your approximate credit score?
• Are you currently employed or on a fixed income? How much do you bring in after taxes on a monthly basis?

★ Debt Discovery Questions

• Okay, and about how much do you have in credit card debt?
• And how much do you have in personal loans?
• Do you have any additional medical bills or collection accounts that we should note here?

★ Qualification & Next Steps

(If the client has MORE than $7K in qualified debt)

"THE NEXT STEP IS FOR US TO VERIFY ALL THE ACCOUNTS, BALANCES, AND PAYMENTS ON YOUR CREDIT PROFILE. THIS WILL NOT IMPACT YOUR CREDIT AND DOES NOT COUNT AS AN INQUIRY BECAUSE IT'S A SOFT CREDIT PULL. WE'LL NEED IT TO PROVIDE AN ACCURATE APPROVAL, OK….." (Move to Adding Contact)

(If the client DOESN'T have enough debt to qualify)

"OKAY, LET ME PLACE YOU ON A BRIEF HOLD AND I WILL BE BACK IN JUST A MOMENT TO LET YOU KNOW WHAT WE CAN DO FOR YOU HERE." (Place client on hold for 30 seconds)

"ALRIGHT , AFTER DOING OUR PRELIMINARY INTAKE FORM, IT IS SHOWING HERE THAT YOU WOULD NOT BE A GOOD FIT FOR ANY LOAN PRODUCTS THAT WE CURRENTLY OFFER. HOWEVER, WE CAN KEEP YOUR NAME ON FILE HERE AND IF ANYTHING CHANGES WE WILL REACH BACK OUT AT A LATER DATE. I DO WISH YOU ALL THE BEST AND HAVE A WONDERFUL DAY."

★ Adding Contact & Pulling Credit

• Okay great, go ahead and confirm the correct spelling of your first and last name.
• Thank you — and is this the best number to reach you in case we get disconnected?
• And what's a good email address for you?
• What is your current home address?
• Got it. Now, can you confirm your date of birth for me?
• And lastly, please verify your social. (If they don't feel comfortable, just ask the client for the last 4)

"OKAY, GREAT — IT'LL JUST TAKE A MOMENT FOR THAT TO LOAD INTO OUR SYSTEM." (Transition to pulling credit · go over debt and edit debts · when they have over $7K, put in QA channel before transfer)

"OK, I'M GOING TO BRING MY LEAD UNDERWRITER ON THE LINE TO GO OVER YOUR FINAL APPROVAL…" (In the transfer channel, post link and wait to be assigned a closer)