119. Third, as another tactic to avoid asserting credit and compliance breaches, Credit Suisse employed a tiered repurchase demand process. Credit Suisse obtained warranties from loan sellers concerning both the underwriting and origination of the loans ("credit and compliance" warranties), as well as against early payment default. However, Credit Suisse intentionally avoided issuing repurchase demands expressly based upon known credit and compliance warranties, citing only payment default, so as to avoid creating a record that would concretely trigger Credit Suisse's repurchase obligations from the securitizations. That is, Credit Suisse proceeded first with an EPD claim, and followed with a credit/compliance breach only if the EPD claim was unsuccessful.