We offered 1-3 month deferments. If a member asks for additional assistance after the first deferment, we require documentation to confirm they've been affected by COVID-19 (paystub with reduced YTD income etc). For industries we know were affected we may waive the documentation request. We consider when they can start making payments again and may set up interest only or reduced payments temporarily for those transitioning back to work. If they have a permanent income reduction, we'll consider a loan modification.