Overview of Mela Capital Group products and services

1. Mela Capital Group Mitigating Mortgage Risk

2. www.MelaCapitalGroup.com Mortgage Quality Control Mela Capital Group Experience. The MCG difference!

3. Contents www.MelaCapitalGroup.com Industry Issues Middle Market Needs Auditing Solutions

5. Dodd Frank Act

6. Fannie Mae enhanced LQI requirements

7. HUD quality control requirements

8. Repurchase demands

9. Mortgage fraud epidemic

10. Foreclosure crisis

11. $130 Billion in Buybacks

12. Assignment fraud

13. Securitization class action litigation

18. Unlike their larger counterparts, credit unions and regional banks’ access to credit quality resources and reserves for legal resources and repurchases may not be as robust.

20. Expedient turnaround times

21. *Management reporting in ‘plain English’

22. Secure, expedient paperless platform

23. Repurchase and loss mitigation support

24. Customized quality control processes

25. Optional audit cycles

26. Agency site audit preparation

27. Regulatory and compliance training and supportwww.MelaCapitalGroup.com

29. Safe ACT

30. FFREA

31. USPAP

33. Mortgage Insurance

34. Warehouse lenders

35. Originators

36. Appraisal

37. Title Agents

38. RealtorsRegulatory Legal Advisory Consumer Protection

39. www.MelaCapitalGroup.com The MCG Way Experience Automation Oversight MCG works with the leading mortgage industry technology innovators to develop and implement the most comprehensive data verification tools available. MCG auditors are industry-leading, experienced, manual due-diligence underwriters who receive on-going, advanced loan quality and fraud identification training. MCG institutes a layered oversight process of quality control checks and balances byseasoned mortgage industry management to measure procedural effectiveness.

40. Loss Mitigation Reunderwriting Postfunding QC Prefunding QC www.melacapitalgroup.com Manage Operational Risk Address operational issues Oversee policy enforcement Identify opportunities Manage risk

41. www.melacapitalgroup.com Experience $10 billion loans audited Unparalleled Experience + Exceptional Staffing = World Class Quality Manual Quality Control Underwriters Industry Regulatory Participation

42. MCG Support Quality Control Auditing www.melacapitalgroup.com Operational Risk Assessment QC Policy & Procedure development Risk Management Management Reporting, Training

43. MCG Process www.melacapitalgroup.com Compliance Fraud Mitigation Loan File Income, Assets, Employment Valuation Occupancy Credit

44. MCG Partners IAFCI FQC RMA MCG PHL MBA WBENC www.melacapitalgroup.com Knowledge

45. www.melacapitalgroup.com MCG Platform Paperless SAS 70/CICA 5970 compliant Redundant data security

46. www.melacapitalgroup.com Our Clients Law Firms Banks, Credit Unions Law Enforcement Consumer Agencies Full service suite of mortgage risk mitigation and quality assurance products and services to meet your deliverable requirements, audit standards and servicing loss mitigation needs. Mortgage Insurance claims reviews * Mortgage loan level auditing * Forensic document examination * Expert witness reporting and testimony * Forensic financial investigations * Staff training. Mortgage fraud investigations and forensic fraud audit training and support * Expert witness services including underwriting malpractice, valuation, and compliance * Expert public speaker, author Consumer financial education * Mortgage industry training * Legislative action advisory * Policy development * Expert public speaker, author

47. www.melacapitalgroup.com Quality Control Services QC Planning Agency approved QC Planning Third Party Originator oversight Policy and Procedure development Operational efficiency testing Loss mitigation strategy Training Summary reporting Regulatory updates On-site staff training Web-based staff training Agency, HUD, OCC audit preparation Mortgage fraud mitigation training QC Auditing Prefunding QC auditing Postfunding QC auditing FNMA LQI compliance HUD compliance Loan quality sampling Repurchase auditing Mortgage fraud auditing

48. www.melacapitalgroup.com HUD Compliance Mortgage Fraud FNMA LQI Compliance Litigation Support SEC Violations Forensic Auditing

49. www.melacapitalgroup.com 360 Quality Assurance Audit Support Custom Training Loan Level QC Operational Excellence TPO Oversight

50. Mela Capital Group www.MelaCapitalGroup.com Phone: 866-382-7566 Fax: 866-733-7992 Email: info@melacapitalgroup.com Experience. The MCG difference! Thank You !