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2 Envisioning the Borrower Experience "Mortgage servicing technology has taken some giant leaps in the last year," writer Phil Britt proclaims in the opening to this month's cover story "Protecting Borrowers rough Tech." Britt goes on to share the new tools servicers are using to connect with borrowers, and one thing is sure—IT will be used to target borrowers who may be at risk of default, and then help them correct that path, and this trend won't be slowing down anytime soon. Of course, it's impossible to envision the future without a clear idea of where we've been—the good and the bad—which is what Equifax executive Craig Crabtree explores in "A Decade Unlike Any Other." In this retrospective of the last 10 years, Crabtree explores what led to the Great Recession, in tandem with the many ways we are now stronger because of the lessons learned. Along a similar theme, WeatherCheck's Demetrius Gray also takes a look back at what changes have impacted the industry since 2008, but this time concerning lender-placed insurance. His article, "Insuring Against Collapse," tracks the latest rules that may soon take effect as result of the movement to self-correct that followed the financial meltdown. Next, since looking ahead in the short-term is as important as in the long-term, Green River Capital's Andrew Oliverson prepares REO managers for seasonal fluctuations in "Saying Hello to Summer." Lastly, don't forget to put all you have learned about utilizing tech into action by choosing a trusted service provider from our "Risk Management & Due Diligence Guide." As you finish up this issue, you may wonder if the day will soon come when gadgets like Alexa are as synonymous with paying your mortgage as the ATM is with getting cash—while we can't be sure, we know it will be an exciting ride. All my best, Rachel Williams Editor-in-Chief FROM OUR DESK default servicing | in print and online VOL. 16 NO. 07 No part of this publication may be reproduced without written permission from the publisher. ©2017 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. DS News strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. DS News does not guarantee the accuracy of the information, and is not liable for any damages, losses, or other detriments that may result from the use of these materials. PUBLISHER EDITOR-IN-CHIEF DESIGN ONLINE EDITOR EDITORIAL ASSISTANT ONLINE CONTRIBUTORS COPY EDITOR ADVERTISING DS NEWS 2017-2018 EDITORIAL ADVISORY BOARD Mark Hulme Rachel Williams Jonathon Won David Wharton Kristina Brewer Krista Franks Brock Scott Morgan Radhika Ojha Alison Rich Seth Welborn Beverly Shay Suzanne Andresen: 207.443.3314 Kevin McCrea: 214.525.6756 Michael McClure: 214.525.6737 Jason Myers: 214.525.6760 Robert Rakowski: 214.525.6783 Meg Burns, Financial Services Roundtable Kathy Cummings, Bank of America Jordan Dorchuck, BSI Financial Services Malloy Evans, Fannie Mae Yvette Gilmore, Freddie Mac Ramie Word, Nationstar Mortgage Follow DSNewsDaily on CHAIRMAN AND CHIEF CREATIVE OFFICER PRESIDENT AND CHIEF EXECUTIVE OFFICER DIRECTOR OF ACCOUNTING ASSOCIATE GENERAL COUNSEL PROFESSIONAL ASSOCIATIONS American Mortgage Diversity Council, Legal League 100, National Mortgage Servicing Association, Property Preservation Executive Forum FORCE DESIGN Mark Hulme Ed Delgado Ernest Gillespie Derek Templeton Derek Templeton: 214.525.6757 Annie Collier: 214.525.6740 Jonathon Won Sean Walker Jason Stone

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