1. Presentation
Informational
February, 2001
The RealEC Exchange

2. * Orange County Business Journal, 1999 and 2000
About our Parent, Micro General Corporation
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
RealEC’s Parent is the Leading Provider of Workflow Systems to the Title and Real Estate Industries
RealEC utilizes a web-based user interface to facilitate seamless, real-time communications between participants and remove the friction from real estate transactions by providing a higher level of customer service.
RealEC’s core real estate services include…
Built into the product is the ability to add new products and services such as...

3. Nation’s Largest Real Estate Technology Exchange
About RealEC Technologies™
Founded in 1998 – evolved from Service Provider segment of Real Estate Industry
B2B Data Exchange
2000+ 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
Nation’s Largest Real Estate Technology Exchange
RealEC utilizes a web-based user interface to facilitate seamless, real-time communications between participants and remove the friction from real estate transactions by providing a higher level of customer service.
RealEC’s core real estate services include…
Built into the product is the ability to add new products and services such as...

4. The RealEC Exchange™
RealEC utilizes a web-based user interface to facilitate seamless, real-time communications between participants and remove the friction from real estate transactions by providing a higher level of customer service.
RealEC is a standardized, electronic platform from which lenders and realtors can order and receive products and services from multiple vendors, such as credit, flood, appraisal, title, and closing.

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

6. Reduce time and costs through a single connection
Streamline the Process through the RealEC Exchange
Service Providers
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
Reduce time and costs through a single connection

7. Gain Greater Efficiencies through the Exchange
RealEC Value Proposition for Originators
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

8. Greater Access to Customers
RealEC Value Proposition for Service Providers
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

9. Products and Services Available Only through the RealEC Exchange
Products and Services available on 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 Only through the RealEC Exchange
Vendors’ proprietary networks often do not met the needs of lenders and realtors. Most systems are not internet-enabled and it is a costly process to do so. Working with a single vendor can be risky. Originators and Vendors benefit from using RealEC by lowering, and sometimes, eliminating the costs associated with integrating their products through a standardized interface.

10. Utilization Options 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
offers
flexible
Utilization options

11. RealEC Technologies: Implementation Overview
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
Implementation
Process

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

13. Integration Options for RealEC Exchange
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
RealEC
Integration
Options

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

15. RealEC is the preferred choice among service providers
RealEC’s Service Providers
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

16. Check out what only RealEC has to offer. Integrations, data and more
RealEC Technology’s Competitive Advantage
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
Check out what only RealEC has to offer. Integrations, data and more
©2001, RealEC Technologies, Inc.