1. The Mechanics of Credit Scoring Cheryl Kenney / National Strategic Accounts 04-2012

2. Proprietary and Confidential — Kroll | Factual Data 2 Kroll Factual Data Overview History and Background of Mortgage Credit Reporting  What is Credit Scoring?  Information Contained in a Credit Report  Statue of Limitations  What is Not in a Credit Score  Minimum Credit Scoring Criteria  How a Fico Score Breaks Down  Mortgage Loan/Mod Workout Reporting  Mortgage Delinquency Impact to FICO Score  Estimated Time for FICO Score to Fully Recover  Overtime, FICO Score Can Rebound  Mortgage Loan Remediation Reporting to Impact Score

3. Proprietary and Confidential — Kroll | Factual Data 3 What is a Credit Score?

4. Proprietary and Confidential — Kroll | Factual Data 4 Information Contained in a Credit Report

5. Proprietary and Confidential — Kroll | Factual Data 5 Statute of Limitations

6. Proprietary and Confidential — Kroll | Factual Data 6 What is Not in a Credit Score

7. Minimum Credit Scoring Criteria Proprietary and Confidential — Kroll | Factual Data 7

8. How a FICO Score Breaks Down Proprietary and Confidential — Kroll | Factual Data 8

9. Mortgage Loan/Mod Workout Reporting Proprietary and Confidential — Kroll | Factual Data 9

10. Mortgage Delinquency Impact to FICO Score Proprietary and Confidential — Kroll | Factual Data 10

11. Estimated Time for FICO Score to Fully Recover Proprietary and Confidential — Kroll | Factual Data 11

12. Overtime, FICO Scores Can Rebound Proprietary and Confidential — Kroll | Factual Data 12

13. Mortgage Loan Remediation Reporting to Impact Score Proprietary and Confidential — Kroll | Factual Data 13

14. Thank You Cheryl Kenney