The mortgage insurance industry is facing significant challenges, including rising costs and increased claims due to high foreclosure rates linked to past lending practices. SSI, Inc. distinguishes itself with a dual servicing delivery platform, combining internal mortgage professionals with a vetted external team of private investigators to provide comprehensive services, including advanced technology for document verification. The company emphasizes longevity, consistent quality, and compliance with proprietary information policies while launching training initiatives for better client service.

2. Mortgage Insurance IndustryDifficult EnvironmentCosts way up – profits way downCOSTSInvestment portfolio losses in the market downturnIncreased claims due to high foreclosure rateCredit rating downgrade or watchPROFITS

3. Sins of the Past“Unfortunately, the lending practices of the past have dramatically increased the volume of claims tainted by fraud filed with Mortgage Insurers.”David M. McGrawCEO – SSI, Inc.

4. Unique dual servicing delivery platformInternal team capabilities and mortgage experienceExternal team that possesses professionalism, and long term investigative experienceAdvanced Technology with integration capabilitiesFocused services provided in addition to optional services as requested or needed by clientCompliant policies and procedures regarding proprietary informationLongevity and Consistency WHAT MAKES US DIFFERENT

5. Provide our customers with both seasoned mortgage professionals as well as vetted and licensed private investigatorsManage scheduling and billing hours for our clients with respect to outside private investigatorsReduce collateral clutter by managing report information and maintaining complete reports in houseUnique Dual Servicing Platform

6. Over 207 years of mortgage underwriting and risk management experienceThe ability to spot irregularities quicklyAdept at quickly reviewing loan packagesComprehensive and concise reportingMulti-lingual StaffManagement of individual private investigators scheduling, and billable hoursOur Internal Team

7. Over 500 FBI, Sheriffs, and law enforcement professionals, ready to serve our clients needsAll vetted and properly licensed within their state requirementsSSI, Inc. is creating and launching webinar, power point, and awareness and sensitivity training for our private investigators to better serve our clientsOur External Team

8. Retooled our delivery system for best integration possibleWorks directly with our clients documentmanagement systemDirect login to clients secure networkAuto notices of file transmittalPaperlessTechnology

9. Re-verification of loan documents such as income, employment, assets and HUD-1 Settlement statementsDatabase searches of undisclosed propertiesReasonableness of incomeFace to face or phone interviews with borrowers as required by clientOur Service to YOU

10. Initial desk review to include “red flag” analysis as well as risk based borrower scoring systemLoan portfolio sampling, random or stratified samplesValue Added Services

11. Over 25 years in the business of investigating mortgage fraudLongevity and Consistency

12. Unique dual servicing delivery platformInternal Team capabilities and mortgage experienceExternal Teamthat possesses professionalism, and long term investigative experienceAdvanced Technology with integration capabilitiesFocused services provided in addition to optional services as requested or needed by clientCompliant policies and procedures regarding proprietary informationLongevity and Consistency Our differences that MAKE the difference

13. David McGrawCEO/Chairman14 Years as CEO/President of privately held companies

14. Carlton CardenVice President Corporate DevelopmentSuccessful technology entrepreneur28 years experience in business & corporate developmentGeorgia Tech & Stanford Business School graduate

15. Marie Summers20 Years Mortgage Industry Experience15 years Regional Manager2 years OPS Manager3 years Account ExecutiveRegional Manager of the Year 2006AE of the Year 1997

16. Susan Blair25 Years in the Mortgage Industry17 Years Operations Manager5 Years District Credit Manager Underwriter2 Years Producing Branch Manager6 years Processing Manager

17. Natasha Graves9 Years in the Mortgage IndustryOffice Manager

18. Adriane Harden5 years Mortgage Origination6 years Loan Processor1 YearCloser

19. Melinda Castro10 YearsSr. Loan Processor2 yearsCloser

20. Amanda Guerrero12 Years in Mortgage Industry2 years bi-lingual loan originator2 years Loan Processor5 yearsWarehouse line Analyst

21. Barbara Wood22 Years in the Mortgage Industry15 years Underwriting7 YearsProcessing/Operations

22. Cathy Steenwyk13 Years in the Mortgage Industry7 years Quality control Review3 years Loan Shipping and sales3 years Final Documents Control

23. James Crow9 years Owner Investigation Firm12 Years US Marines/Military Police7 years Business Development

24. Jerri Haas16 Years in Banking, Taxes, Stockbroker6 yearsMortgage Loan Originator

25. Kyra Adams5 YearsMortgage Loan Processor

26. Matt Mitchell10 years in the Mortgage Industry5 years Loan Processing2 years Underwriting3 Years Compliance

27. Rhonda Padgett10 Years Mortgage Loan Processor

28. Rori Smith9 Years Customer Service

29. Shirley Goicochea12 Years in the Mortgage Industry6 years Commercial Lending6 years Residential and Consumer Lending

30. Whitney Moore5 Years Mortgage Loan Processor

31. Susan Yang13 Years Mortgage Industry Experience5 years processing5 years post closing3 years Wholesale Underwriter

32. Bonita Fontenot16 years Mortgage Experience2 years Mortgage Underwriter14 years Sales Management

33. Nicki Wynn Mortgage Industry 13 years4 yrs as a processor1 yr as an underwriter3 years as a pipeline manager5 years as an originator

34. Kristen BelcherMortgage industry 12 years11 yrs Sr. Processor1 year junior processor

35. Our Private InvestigatorsFaces blurred to protect their identity