The document summarizes a presentation about LoanResolve Technologies, a real estate mortgage loss mitigation system. It discusses how the system provides a single dashboard for loan processing, foreclosure prevention, and connecting all relevant parties. It also outlines how the system handles the entire loan process from early delinquency to REO asset disposition, with a focus on loss mitigation, short sales, and online auctions. Security of customer data is handled through partnerships with Peak 10 data centers.

1. Loan Processing & Foreclosure Prevention Oversight - Accountability – Transparency Overview Industry-Focused Connects All Parties How Can We Help You Succeed? Bi-Directional Data One-Network

2. Preface By The time you finish reading this slide another 16 Homes will go into Foreclosure. That costs us all $$ money. ( i.e.: Bailout! ) The $64.00 Question is: How Can We Help You Help Perform Better? We are not here to present a product for sale. We’re more interested in Listening To You, to better understand your challenges, and then partner to apply that knowledge to improve your processes.

3. What Is LoanResolve Technologies LoanResolve is a real estate mortgage loss mitigation system The objective is to deliver a mortgage loan platform whereby business processes can be easily and quickly automated. It’s designed to leverage a “single dashboard” concept and integrate with multiple platforms thru data integration, beginning with servicer platforms, Interactive Intelligence call center solutions and business process automation technology. It’s single Internet workspace offers transparency, oversight, and accountability for all parties financially involved in a mortgage loan transaction.

4. Cradle To Grave Solution From 31 Day Late Borrowers Thru REO Asset Disposition: The Real Estate industry is in a severe downturn right now and never has the need for collaboration and innovation been so high. The housing market will come back, but mortgage personnel need to collaborate on what’s working and what’s not: Supporting loss mitigation, short sales, & REO disposition via online auction How to process loan modifications faster and in a more compliant manner How to re-build confidence in consumers and realtors regarding short sales Our 3 areas of focus address the Mortgage Industry and Real Estate Industry. Each of these are in dire need of Collaboration and Innovation to reduce loss. Mortgage Foreclosure Prevention is imperative and a rapidly growing problem. In fact, it requires the most standardization through the next decade. The primary issue is that there is no collaboration platform to facilitate resolution decisioning to reduce losses. This new network: Will be the place all parties will go to: Collaborate with other decisioners to resolve mortgage defaults faster Connect with vendors to retrieve supporting documents and data Recruit support & assistance to better communicate with default borrowers Learn how to “resolve” non performing mortgage defaults faster

5. Outsourcing Fast Tracks Results We view you as the experts in your field. And we want you to stay focused on what you do best! Core Competency Focus Brings Better Result$ At LRT, Business Process Automation is what we do. With your cooperation, we help automate redundant tasks so you focus your energy on production, not interruption.

6. Start With Questions People Always Ask What’s Our Risk? Where Does Our Data Reside? Will This Solution Integrate With Our Technology? Regulatory & Compliance? Let’s Start with Risk LoanResolve Technologies only uses “Best In Breed” technologies, partners, suppliers, consultants, & facilities. We Reduce Risk Thru Top Industry Relationships.

7. Priority #1 Is Always Data Security About Peak 10 16 Enterprise-class (n+1) data centers, nine markets SAS 70 Type II Audited Annually (all facilities) 24 X 7 X 365 Customer Support Data Center Services: Managed Co-location, Enterprise Hosting, Reliable Bandwidth and Metro Ethernet Managed Information Technology Services: Security, Managed Storage (local & remote), Disaster Recovery, Enterprise Messaging, Monitoring, System Administration, Remote Hands, Managed Servers and Virtual Private Lines LoanResolve / “Your Data” resides at Peak 10 which is an IT Services firm that operates world-class data centers for medium and large enterprises. Security & Customer Confidence is our #1 Goal

8. Secure, Safe, Redundant, Reliable Why Peak 10? IT Services Expertise (Service & Support, People / Culture, Responsiveness) Security (Auditable Process, Procedures & Controls, i.e., SAS 70 Type II ) Resilience & Risk Mitigation (Needs + 1 Data Centers) Redundant Internet Access Fire Suppression Redundant UPS Redundant Power Generation Redundant Data Center Cooling Units Managed Environment – Cooling, Humidity and Systems Health 24 x 7 Availability & Uptime Reduced Costs (Capital, Personnel and Operating Expense)

9. State Of The Art N + 1 Facilities Raised Floor allows direct application of cold air to hottest cabinets while concealing network and power cabling. 5 Levels of Physical Security Secure 24 x 7 Access

10. Data Protection Fire Suppression Dual Layers of Protection FE25 Gas Under Floor VESDA

11. Redundant UPS Systems Redundant UPS Systems Redundant UPS Infrastructure – through to multiple generators Branch Circuit Monitoring – (power utilization trending by circuit)

12. Zero Down Time w/ Multiple Generators Reliable Backup Power Infrastructure Multiple Generators – provide n+1 assurance

13. Product Development LRT was conceptualized by a virtual panel of servicer industry experts and attorneys at roundtables during mortgage default and USFN attorney conferences. We quizzed each industry user group asking if they could build an open system that would speed default resolutions, what would it act , or look like.? We then went consumer direct to deliver a site that ‘s easy to use, enabling borrower participation, to soften your workload. The Gov’t asked us for Oversight, Accountability, and Transparency A tool to improve communication. RESULT: A Bi-Directional Platform where home owners and financial parties utilize data and document communications to resolve home mortgage issues with speed, and confidence. The LoanResolve “Network” Participants Process Mortgage Servicers Home Owners Investors - GSE’s Mortgage Insurance Co’s Foreclosure Attorneys Bankruptcy Trustees -Courts Realtor Franchises–Brokers Non-Profit Agencies Process Servers - Inspectors Appraisers Loss mitigation Data Input/Communication Speed Approval Decisioning Approval - Claims Loss Mit & Legal Process BK Cram Downs Data Input & Support 1 Click Debt Counseling Info Update-Client Contact Valuations Bring providers together with oversight they want & need

14. Integrated With NetDirector NetDirector Provides You Single Point Data Connectivity To Most Industry Servicing Platforms, Vendor, Providers, Thru LRT.

15. Educate & Motivate Direct Marketing Private Labeled DVD Mailers Provide Consumer Education and Enable “ Secure Site” Access for Borrowers. Your Secure Landing Page Access Allows Borrower Loan Level Data To Pre-Populate Each Profile For Consumer Driven Updates. Borrowers Submit All Required Workout Data & Documents For Your Immediate View, & Resolution.

16. Our Customers Because NDA’s are in place with our Clients, we do not provide customer names, however with credit defaults gaining over 8+ million new consumers in the 1 st half of 2009, rest assured that are client list is growing rapidly to over 50 million unique internet visitors seeking solutions each month. The LRT network is designed to incorporate both consumers and each institutional party with a financial interest in a home mortgage & title. Includes, Homeowners, Servicer(s), Investors, MI Companies, Attorney Firms, GSE’s, Non Profits, Realtors, BK Judges, Title Companies and more. Our market continues to grow at 2 new members per second, 1,000 new prospects every day. These are consumers & industry personnel looking for solutions In addition, the technology also conforms to the credit card and auto loan default markets - We have an audience that is quickly growing. What Do Our Customers Look Like?

17. Our Vendors Wolters Kluwer Doc Prep, Reg. & Compliance Peak 10 - SAS 70 Co-location Interactive Intelligence - Call Center / BPA RWD Technologies -Entrprse Process Mapping LPS / Hansen Quality - Valuations NetDirector - Data Integration / Translation Freddie Mac - Home Value Explorer Fannie Mae - Clarifier Who are the vendors? Oversight From A Single Access Point Based on interaction with servicers, the borrower experience is currently a poor “quality”. ( i.e. less than 50% interaction prior to foreclosure). The LoanResolve proposition will have very high “value” perception with borrowers who are challenged to resolve defaults. We make it easy

18. The Necessity Absolutely, now is the right time & best time to introduce the concept to your borrowers. Homeowners are ready for online loan resolution they can confide in, as evidenced by the growth of internet related loan modification services. It shows the country is desperate for a better tool and can’t find one. State of the technology (Web 2.0) is now solid and proven. Economic Downturn has helped us out: No new entrants are coming out… slowdown in mortgage funding & bank failures Many homeowners are driving loan modifications and foreclosure prevention. Is this a good time to be Offering LoanResolve ? 1,000 borrowers lose their homes daily Average loss per home = $68K There’s never been a better time than now to launch this tool. Our Strategy is speed to market and consumer confidence.

19. Company Strategy was to create the technology platform. That is now completed, which takes us to the redevelopment, and growth. We have completed the initial development which took 18 months of work. 3 months of planning 15 months of aggressive software development Organizational highlights Development team in US and some outsource to India–experienced in web media development General Corporate: Name of Company: LoanResolve Technologies Type of Corporation: C-Corp (Florida) Partners: Interactive Intelligence, Peak 10, RGW What is the Current Status of the company and development?

20. Current Company Status Launched in November, 2008. 195+ Initial Subscribers– initial beta testing group Establish 2 networks, Loss Mit & Real Estate “ Testing” phase runs through end of year Strategic Partnership deal with Fannie Mae and the MBA (Mortgage Bankers’ Association) for: Clients: Borrowers, Attorneys, Servicers Partnership: will host continuing education for the Servicers, Attorney Networks, MBA Cut deal to host FDIC ( Federal Default Information Compository ) What is the Current Status of the company and development? www.LoanResolve.com Goal: 500,000 members by end of 2009 Expand into: Realtors potential 2,500,000 Inspector/Appraiser potential 95,000

21. Business Model The Major Shortfall is Consumer Education What does the Marketing Model look like? Borrower intimidation doesn’t work! Direct Mail DVD educational piece is viewable in set top box, online, or computer DVD player Provide borrower “unique” access code for entry to “secure” website that pre-populates customer loan data for updates and capture of supporting documents. Data & Document Collection with “file share” Transparency “rewrites” loss mitigation concepts. Our goal is to be standardized like Desktop Underwriter, now used for mortgage originations. The need is large while credit markets are frozen. Loss mitigation & asset disposition now belong together to manage current volumes.

22. Property Disposition Marketing & Consumer Education What does Property Disposition look like? When And If Modifications Fail We Takes Borrowers From 35 Days Late Thru Workout, Short Sale, or REO Dispo. When workouts fail, the data is released to the next disposition process, short sale listing Loss mitigation data is live to Allow Quick Sale Should that fail, it transfers to REO Auction Site All Sites Connect To Resolve Defaults Quickly One Dashboard /Database Serves Multi Depts. Creates Real “Valuation” Data Instantly All parties may assist with workload thru Co-Branded Landing Pages for Servicers, Attorneys Non-Profits, MI Companies, & more. Saves Time & $ Money Asset Disposition site, w / Click to Buy Out Performs Current industry metrics Click To Buy

23. Landscape What does the Landscape look like? Currently there is no network focused on home foreclosure prevention Consists of Patchwork and “New” Cottage Industry. There Are No Industry Standards For Loan Mods, Short Sale There’s Little To No Consumer Education Provided There’s No Consumer / Servicer Protection In Place No Consumer Accountability System in Place Industry Data and Resolutions Are mis-reported LRT is great for centralized data management and transparency that brings with it, accountability from your participating vendors. This provides enough relevancy to save lenders millions over night. Loss mitigation and Loan Modification companies have relevance, but need a standardized solution and realistic fee model.

24. Transparency Investor losses avg. over $80k per foreclosure. Servicers can’t keep up. While closed systems may work incrementally, they are not getting the job done. How important is “transparency” for the mortgage industry? Servicer Legacy systems fail to communicate between providers which is critical to speed decisioning and shorten resolution timeframes to reduce losses. This is reflected in excessive resolution time and losses per property that are significantly higher than necessary Random loss mitigation firms have penetrated the “foreclosure prevention” space, but there is no standardization or accountability of the process as evidenced by the scams and fraud. Providing a standardized approach will reduce your workload and improve processes LRT provides oversight, accountability, transparency, central file mgmt. LRT improves communications between all decisioning parties to a mortgage

25. Summary The proposition has tremendous potential - to save any organization $ Millions by end of 2010 Loan Resolution Technologies are a “Hot” topic - and will be a requirement of mortgage lending for years Largest risk has already been taken - which was the development of the core technology platform. This new concept is rapidly gaining industry and consumer acceptance. Rapid gains in acceleration of technology, net based customer interaction , education, and training make your workflow more productive. The core technology platform is developed - over the past 12 months with LoanResolve (Mortgage Servicers), Realtors, and Consumers, and also (Property Inspections) which are now in beta using mobile technologies. ( PDA’s) Strong automation team with prior success and proven record of being able to scale to required volumes. Experienced at raising the bar in business process automation solutions. Strong commitment from team as evidenced in the capital and time invested in this revolutionary concept to make your workday more enjoyable. Vested in the overall success of this initiative and very passionate about the mission. Summary of the Overall Proposition. The Opportunity to integrate LoanResolve Technologies results in immediate savings!