The portion of delayed loans on income depends mainly on the security structures under which investors invest on the platform. If a loan originator has a pledge structure in place and one loan on the listed book is late, the whole listed loan book is late. This can cause a large portion of Income's listing to move into the LATE status. An additional reason can also be the fact that a borrower is late with its payment. Due to Income's security structures, investors should pay attention to the loans that are 30 - 60 days delayed, when evaluating the performance of Income's listings. The buyback obligation on Income has always been executed on time.