1. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. UTLS Technology Services is a wholly owned subsidiary of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. (Technology-Internal 6-10) UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. Default | Title | Consulting | Technology BackInTheBlack ® A Loss Mitigation Managed Service Trusted Solutions. United Results. SM > > Click here to advance slideshow > >

2. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. BackInTheBlack ® Everything a Loss Mitigation Platform Should Be  Collections thru Loss Mitigation  Starts adding value at the first sign of delinquency  End-to-End Workflow  Configurable  Integrated with our business rules engine  Individual and Team Work Queues  Distribute work by user, team, departments  Multiple tasks can be handled simultaneously  Supports All Workout Types  HAMP, Mod’s, PFS, Deed-in-Lieu, HSA, PRP and Repayment plans.  Supports GSE’s and Private Investor Portfolios Simultaneously  Certified and tested by Fannie Mae  Configurable changes support Freddie Mac, FHA/VA and Private Investors 2 Default | Title | Consulting | Technology

3. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. BackInTheBlack ® Everything A Loss Mitigation Platform Should Be  Integration with MSP  Upload of all loan data: current and delinquent  Real-Time post back using web service integration  Web Based ASP Model  Secure  SAS 70 Type II Certified Data Center  Redundant Infrastructure: real-time failover  3 rd Party Integrations  Integration with Fannie Mae’s HSSN  CBR and Valuations  e-Signature  Dialers, Printing Companies and Imaging Systems 3 Default | Title | Consulting | Technology

4. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. BackInTheBlack ® Everything A Loss Mitigation Platform Should Be  Dynamic Document Generation  Supports the generation and data merge of all required and custom documents including: Verification Package, Missing Items letter, Denial letter, HAMP Docs, Mod Docs, HSA Note, etc.  Package/Send/Receive  Generates appropriate verification package  Provides tracking and automated follow-up  Automatically generates Missing Items letter  Extensive status and reporting  End-to-End Visibility and Reporting  Alerts  Tracking  Auditing 4 Default | Title | Consulting | Technology

5. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. BackInTheBlack ® A Managed Service  Pre-Configured “Out of the Box”  Fannie Mae HAMP, Mod’s, PFS, HSA  Tested and Certified by Fannie Mae  Complete workflow end-to-end, pre-configured and tested  Pre-configured documents  Integrated with HSSN  UTLS Maintains Fannie Mae Guidelines and Requirements  On-going collaboration with Fannie Mae to maintain requirements and identify preferred methodology for new programs and mandates  Early insight into new mandates 5 Default | Title | Consulting | Technology

6. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. BackInTheBlack ® A Managed Service  Workout Highlights  HAMP  Certified and Tested by Fannie Mae  Eligibility Decisioning  Stated and Verified Income  Automated Calculator  Trial Period  Escrow/Suspense  Waterfall accurately targets 31% DTI  Pre-configured dynamic document generation  Verification Docs  Denial Letter  Trial Docs  Final HAMP Docs 6 Default | Title | Consulting | Technology

7. UTLS Default Services, UTLS Title Services, UTLS Consulting Services and UTLS Technology Services are wholly owned subsidiaries of UnitedTech Lender Services, Inc. ©2010 UnitedTech Lender Services, Inc. BackInTheBlack ® A Managed Service  Workout Highlights  HAMP - Continued  NPV report generation and bulk upload to HAMPadmin.com  IR2 report generation and bulk upload to Treasury  End-to-end validation ensuring HAMP remains eligible  Automated upload to HSSN  Trial Period Payments  Final HAMP Upload  Additional Updates Q2  Imminent Default Mandate  HAFA  Workout Prospector 2 Upload (Freddie Mac)  Complete Freddie Mac HAMP Configuration “OTB” 7 Default | Title | Consulting | Technology