Presentation February, 2001 The RealEC Exchange Informational

RealEC’s Parent is the Leading Provider of Workflow Systems to the Title and Real Estate Industries √ Technology-based solution provider for the Real Estate Industry. NASDAQ: MGEN. √ Orange County, CA’s Fastest Growing Company* √ 400+ Employees √ State-of-the-art Data Center in Chicago √ Title & Closing Industry’s Leading Production System Provider √ Successful spin off of Escrow.com and RealEC * Orange County Business Journal, 1999 and 2000 About our Parent, Micro General Corporation

√ Founded in 1998 – evolved from Service Provider segment of Real Estate Industry √ B2B Data Exchange √ service providers √ Only network with integration to all national underwriters √ True data integration √ Fannie Mae MORNETPlus Connections® Partner √ Exponential growth in industry adoption, transactional volume and market share About RealEC Technologies™ Nation’s Largest Real Estate Technology Exchange

The RealEC Exchange™

Lender A Lender B Mortgage Broker Real Estate Broker MORNETPlus Online Realty Originators Service Providers Multiple Communication Channels “Inefficiencies” of Scale Title Company A Flood Company A Credit Company A Appraisal Mgmt Title Company B Flood Company B Another Appraisal

Originators Lender A Lender B Mortgage Broker Real Estate Broker MORNETPlus Online Realty Service Providers Title Company A Flood Company A Credit Company A Appraisal Mgmt Title Company B Flood Company B Another Appraisal Reduce time and costs through a single connection Streamline the Process through the RealEC Exchange

√ Choice of Providers √ Choice of Products √ Standardized Interface √ Receive Data and Work Product √ Private Label Options √ Integration Capabilities √ Eliminates duplicate data entry √ LOS Data Export/Import Gain Greater Efficiencies through the Exchange RealEC Value Proposition for Originators

√ Increased channel to customers √ Standardized Interface √ Reduced Costs √ Private Labeled Vendor site √ Integration Development Kit √ Hosted Environment √ Benefit from data already entered by originator (no re-keying of data) Greater Access to Customers RealEC Value Proposition for Service Providers

Products and Services Available Only through the RealEC Exchange Home Inspection Mortgage Insurance Survey Homeowners Insurance Online Document Presentation Home Warranty Automated Property Valuations Credit Reporting Appraisal Flood Information Title Escrow & Closing Services Products and Services available on RealEC Exchange

RealEC.com Web Interface Order, Track, Status, View Documents, View Products, Reporting and Turn Time Tracking Ordering, Status Updates, Product Delivery LOS Integration Direct Integration - numerous interface options Combinations of all options available RealEC Exchange Utilization Options RealEC offers flexible Utilization options

Review Integration Options Outline Phase I Deliverables Identify Third Party Vendors Add Vendors to Exchange Design Integration Develop and Implement Interface Customize Training Program On-Site Training available RealEC Technologies: Implementation Overview Implementation Process

Integration Sponsorship Kick-off Meeting Data mapping Event mapping Product mapping File review Connectivity setup File transfer setup Integration Programming File review Alpha testing Beta testing User acceptance testing Integration Process for RealEC Exchange RealEC Technologies = Integration Experts

SMTP, FTP HTTP / HTTPS 128 bit security PGP Encryption – File Based Available for all methods XML Integration Formats MISMO XML Credit Support FNMA 1003 File Support Custom Integration for all other file formats Active-X and Java Based Tool Kits Integration Options for RealEC Exchange RealEC Integration Options

Internet Dedicated Circuit Frame Relay Sprint MCI Goldworks VPN (Future offering) Connectivity Options Physically Connecting to RealEC

√ Flood = 38% market share - Integrated providers √ Appraisal = 65% market share - Access to Independent Fee Appraisers - Appraisal Management Companies - Appraisal software vendors √ Credit = 65% market share - Consumer credit providers - Business credit providers √ Service Provider Management = 45% market share - Top Vendor Management Service Companies RealEC is the preferred choice among service providers RealEC’s Service Providers

RealEC Technology’s Competitive Advantage Check out what only RealEC has to offer. Integrations, data and more ©2001, RealEC Technologies, Inc. Fully Integrated to Service Provider Production Systems No re-keying of data for provider to satisfy request Only network with integrations to all national providers Uniquely able to return full data sets as well as imaged product Only Network Integrated to these order Aggregators Fannie Mae MORNETPlus Connections® eMagic Dexma Robust WEB-based Ordering ICSA certified Supports multiple browser Propagate individual document views Private Label Opportunities No membership fees Not owned by lender-competitor