Solidifi is an appraisal management company that aims to provide high quality yet cost effective residential real estate valuations. It combines leading technology with a full fee appraiser partner model and property analytics. Solidifi pays appraisers their full fee to incentivize quality work. It uses data-driven assignment criteria and real-time performance metrics to ensure high quality appraisers. Solidifi also provides proactive compliance solutions and flexible technology that integrates seamlessly with lenders.

1. Solidifi The Next Generation of Appraisal Management By Terry A. Aikin, CMB

2. Who is Solidifi? Offering the next generation in appraisal management, Solidifi combines leading edge technology and a full fee appraiser partner model with data-driven property analytics to provide mortgage lenders and originators in North America with quality driven and cost effective residential real estate valuations and collateral risk management solutions. Your Valuation Partner

3. Solidifi Corporate Overview Founder & CEO Jason Smith ~ Co Founder of Basis 100 Solidifi founded in 2004 & currently operating in the US and Canada 100+ employees US HQ – Chicago, IL Canadian HQ – Toronto, ON Solidifi entered US Mortgage Market in 2008 One year later assisting 100+ and rapidly growing Regional and National lenders Solidifi has an experienced executive team with a long history of global mortgage banking experience ~Freddie Mac, United Guaranty, Basis 100, GMAC , HSBC, MGIC, Genworth, TD Bank, Equifax Solidifi has a proven reputation delivering business solutions to multinational financial institutions

4. Quality Driven Appraiser Network Across North America

5. What sets Solidifi apart? In this new era of mortgage banking, lenders are seeking new vendors partners that can consistently meet the high standard in valuation quality demands but still maintain reasonable costs and turn times. Solidifi is the Next Generation in Appraisal Management Appraisal Quality starts with paying professional appraisers their full fee Work exclusively with your existing appraiser network, our national panel, or both – You Decide Flexible technology that enhances your appraisal process Proactive compliance solutions

6. What Sets us Apart: Appraisal QUALITY starts with paying professional appraisers their full fee Driving Quality During the Entire Appraisal Process To protect your investment and your business, you’re 100% reliant on one thing ~ A professional appraiser’s ability to provide a quality appraisal report So why put the quality at risk by letting an appraisal management company take a substantial portion of an appraiser’s fee We Don’t! We begin the process by paying appraiser partners their full fee for quality work. That’s right, our appraisers set their local market rate and keep 100% of their fee.

7. What Sets us Apart: Appraisal QUALITY starts with paying professional appraisers their full fee Driving quality at the start of the appraisal process Upfront appraiser assignment criteria determined 100% by the lender based on unbiased appraiser tracking Real time performance metrics displayed such as Solidifi iQ™, distance to subject property, posted market rate, and verified appraiser credentials Ensuring you’re working with the highest quality appraiser, at fair value, in your local market – every time

8. What Sets us Apart: Appraisal QUALITY starts with paying professional appraisers their full fee Proactive quality control during the entire appraisal process Appraiser Sign Up Strict vetting before joining network including watch period Solidifi iQ™ The new standard in appraiser professionalism Next generation in appraisal review Solidifi’s review process has proven a smart combination of both automated and manual review provides quality results Lenders and Investors are expecting in today’s market

9. What Sets us Apart: Work with professional appraisers as YOU define it Your appraiser panel, our national appraiser network or both ~ You Decide As the next generation in appraisal management, Solidifi provides appraiser network flexibility down to branch and county specific levels Work exclusively with your trusted Appraiser network Work with the quality driven Solidifi National panel Work with a custom Appraiser panel built to meet your specific needs

10. What Sets us Apart: Flexible technology that enhances your appraisal process Integrates seamlessly ~ Client centric enhancements SAAS & Web 2.0 technology Compliance solutions for HVCC, FHA, RESPA, TILA, & GFE Client/Corporate branded look and feel technology deployed in 48 hours Workflow driven system, order tracking and instant notifications to lender and originator Performance, executive and appraiser network reporting Underwriter Review Tools Appraiser independence audit functionality

11. What Sets us Apart: Proactive compliance solutions Compliance rules are ever changing ~ Always be up to date FHA, HVCC, TILA, RESPA, MISMO, GFE In today’s lending environment new regulation announcements and standards are a daily occurrence. Keeping up and keeping compliant is a growing concern Solidifi eliminates the worry Appraiser Independence configurations for HVCC and FHA regulations Automated consumer disclosure increasing efficiencies and fully satisfying investor audits RESPA/TILA workflow configurations ensuring lenders have 100% control on new disclosure regulations and timing

12. Contact us to be part of the Next Generation www.solidifi.com Griff Straw, CMB President US [email_address] Loren Cooke Executive Vice President, Sales and Marketing [email_address] Terry A. Aikin, CMB Vice President, Business Development [email_address]