3. Who we are Inuva Info Management is a full service outsourcing firm focused on helping US mortgage companies outsource their operations to India. Over 100 employees 3+ years in operation Where we are located Inuva is headquartered in Kolkata, India a hub for technology and backoffice service providers working with companies worldwide. We are in the process of opening a fully equipped redundancy center at Bangalore in January 2004. Our US representative office is in Miami, FL headed by a full time Director of the company who is also our CIO and operations head for North America. Our core competencies Mortgage back-office functions Mortgage transaction processing Mortgage call centers Mortgage servicing operations

4. Why Outsource ? Reduce production costs up to 60% Improve quality of service and guarantee delivery timelines Overcome resource constraints to be able to take on new business Focus on core competencies and new revenue streams Stay competitive - your competitor is doing it! Outsourcing - for critical business processes - is becoming more common as a central strategic challenge. Businesses today need to respond to increased competition, increase agility, service customers more intimately, gain new competencies and reduce costs. (Gartner Outsourcing Report 2003)

5. Why Outsource to India ? Large pool of trained workers with English speaking and comprehension skills Leader in technology and business process outsourcing in the world Cost benefits - significantly lower cost of operations compared to the US Stable political environment with a democratically elected government 60% of the Fortune 100 companies are already outsourcing to India

6. Which Mortgage Functions Can Be Outsourced ? Most pre and post origination back office functions Loan processing Flood and hazard processing Assignment processing Document recovery services Lien releases and satisfactions Loan servicing functions Loan setup Default administration Escrow administration Investor accounting Cashiering Customer interaction services Inbound customer service calls Collection calls Calls to counties and jurisdictions to update loan files Loan origination/refinancing calls

7. Case Study 1 - Lien Release LR processing from tif images Inuva receives loan images either by FedEx or download the job via the Internet from the clients ftp site. Inuva does data entry, review and auditing for quality. Once complete sends the data file to the client by email or ftp via the Internet. Client uploads data to their server. Client audits the loan data for exceptions and prints releases as per requirement.

8. Case Study 2 - Real Estate Tax  Log directly into client's loan administration database using Citrix server and generate the required report.  Initiate a call to the county tax authorities and gather information on the property. Information received by fax is processed separately.  Update information on-line to the clients mortgage administration system.  Generate reports as per clients requirement.

9. Challenges to Outsourcing and Inuva’s Solutions The challenges to outsourcing success are just as real as the benefits your organization can gain from outsourcing. At Inuva, we have expertise in tackling the myriad challenges to outsourcing Domain Knowledge: Our board of advisers are specialists in all areas of the US mortgage Banking industry such as Origination, Servicing, Title Insurance, Flood, Tax, Customer Service, Secondary Market etc. Quality issues Contractual Service Level Agreement - you decide the quality metrics we perform strictly according to it A dedicated quality team headed by a knowledgeable QC Manager 100% QC. Communication barriers US based Transition Manager is assigned to your account US 1-800 numbers for 24/7 access to the offshore project manager. Client access to our website providing a dashboard of the status of all projects in progress. Confidentiality concerns High security facilities and thorough employee screening Confidentiality, non disclosure agreements and arbitration as per US laws ensures the highest level of safety of your data and your client information

10. Challenges to Outsourcing and Inuva’s Solutions Knowledge transfer challenges Executive management holds many years of experience working in US mortgage banks US trained operations manager based at our India Operations Center More than three years of experience in working with US mortgage functions gives Inuva the most depth of knowledge in this area compared to any competitor in India Employees go through rigorous training programs and US Mortgage Bankers Association distance education and certifications Technology challenges Inuva has a team of experienced system administrators, developers and system integrators who can help you work through challenging technology issues in international outsourcing Financial stability of vendor Over 100 employees Three plus years of continuous profitable operations

11. Inuva’s Outsourcing Process One of the key success factors in a successful outsourcing project is the Transition Process and the formation of a Transition Team, which can handle the task of transferring business functions seamlessly to the outsourcing organization.

12. Outsourcing Teams As an outsourcing partner we become a core ally in your business success. The formation of properly empowered teams to strengthen the relationship is a vital success factor in this partnership.

13. Our Facilities Latest computers with dual monitors High end servers and storage devices Redundant telecommunication links for internet and voice connectivity Call center using state of the art voice over IP technology Redundant power supply and generator backup 24/7 guarded secure facility in reputed IT park Business continuity and disaster recovery standby facilities

14. Our Facilities

15. Kolkata, India

16. Summary Outsourcing benefits for your company Reduce costs substantially and improve profit margins Achieve quality output on time Focus on core competencies and pursue new businesses Remain competitive Inuva’s unique value proposition US mortgage outsourcing is our focus Pioneer in US mortgage outsourcing, knowledgeable workforce No risk proof of concept pilots Business process re-engineering and transition plan Proven performance and US references Quality and timeliness guarantees