Clarification is requested surrounding non-performing probation periods. Scenario If a customer 19s exposure has previously had a concession event and has been classified as non-performing then they shall serve a 1 year non-performing probation period from the date of the concession event followed by a 2 year performing probation period (on the assumption they met all the exit criteria from non-performing probation). If the customer re-enters non-performing classification during the 2 year performing probation period, through: 1) Going more than 30 days past due; or 2) Non-performing as per any of the criteria per paragraph 145. a) Will the customer serve another 1 year non-performing probation? And if so, when would that non-performing probation period start from, as there has not been a new forbearance measure? b) Or would the customer go straight to a new 2 year performing probation period on the exit of non-performing criteria? Note: The scenario where customer becomes non-performing again due to a new concession event being issued (paragraph 179) is intentionally excluded from the above query. It is believed by the institution that this could only follow option a) above with a new non-performing probation period starting from the date of the new concession event.