Thomas Ho Company (THC) is a leading financial engineering company and ALM Solutions provider. With growing regulatory demands and challenging times, we focus on providing banks and credit unions the most cost effective, in-depth and accurate solution possible. Our aim is to make our ALM solution easy to use, understand and implement throughout the organization, especially at the Board level. Since 1987, financial institutions have been taking advantage of our financial engineering, modeling and leading edge software. Our founder, Dr. Thomas Ho, has revolutionized the financial services industry from interest rate modeling to risk management and valuation. Our advanced financial modeling software and systems, combined with our extensive banking and regulatory experience, provides a unique and comprehensive set of ALM Solutions. • THC was the first to introduce the arbitrage-free interest rate model (1986): a widely used approach for balance sheet valuation and risk management • Pioneered “Key Rate Durations” (1992): a standardized method of measuring interest rate risk • Created the first coupled prepayment default model for residential mortgages (2007): accepted and used by the Federal Housing Finance Agency (FHFA) • Designated by the Office of Thrift Supervision (OTS) to develop interest rate risk reports and computational infrastructure for monitoring over 800 banks • Named one of the two ALM vendors of the 21st century Bank Asset/Liability Management A.S. Pratt, April 2014