An objective and comprehensive approach to evaluating the variety of strategic options available to lenders with a decision making construct for action.

1. INNOVATION OPTIONS FOR MORTGAGE LENDERS Tim Rood, Managing Director

10. Efficacy Exposure Potential Lender Exposure to Low Quality Loans: Non Performing Assets / Buybacks With the expectation that as much as 15% of some mortgage classes will be in default by 2009, investors will be vigorously looking for breaches in the representations made by lenders Lender Exposure/ Contingent Liabilities

11. Innovation Options

13. Optimization through Business Calculus

22. KPO: Areas of Consideration Retention & New Customer Development New Program Development Operations Support/Audit Accounting / Analytics Default Management Customer database mining and segmentation Underwriting / Risk Scorecard Rules administration for Business Process Management Servicing and Securitization accounting reviews Claims management and compliance audit Internet marketing plan New Program Development: FHA Lending Review and evaluation of compliance and best practices Credit Risk Analytics and Active Portfolio Management of High Risk Loans Marketing and management plans New Program Development: Reverse Mortgage Pipeline and/or interest rate hedging Fair Value analysis/valuations: fair value Loss mitigation strategies New Program Development: Construction Lending Vendor management, exception management, workflow automation Compliance and adherence to FAS 140, FAS 133, FAS 90, FAS 159 Loss Mitigation and REO final loss/gain analysis

25. Tools & Technology Direct Marketing Loan Processing Secondary marketing Closing & Funding Servicing/ Portfolio Mgmt Default Management POS and Agents Assisted Origination Comprehensive Fraud (identity/property/ misrep/emp-income , compliance, and eligibility checks Pipeline and/or interest rate hedging Electronic closing room Match & Append data service Broker Price Opinions, value reconciliation report, REO appraisal Multi consumer lending products direct or agent assisted Electronic document management, disclosure, presentment, and eSign/Websign Rate lock administration and confirmation and extensions eNote registration with MERS Second Trust search/scrub Field services, condition reports Diagnose, analyze and present solutions Pricing & Eligibility Engines: Pipeline administration and reporting eSign & WebSign Electronic Vault Loss mitigation title services On demand customized lead search Vendor Mgmt: Vendor selection, integration, data/doc mgmt Pipeline Manager and Multi investor rate locks Compliance and eligibility checks Electronic modification preparation, presentment, and signing Best fit product tools Rules mgmt and workflow automation

27. Capital Financial Solutions Overview & Approach Solutions Broad and deep assessment & triaging of business problems – FAST! Triage the Problem Objectively Explore Solution Options Solve The Problem as Quickly & Cost Effectively as Possible Is it better that I try to solve the problem with help, or are there existing full/partial solutions in the market?