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LENDERS & SERVICERS OUTSOURCERS Fiserv 255 FISERV DRIVE » BROOKFIELD, WISCONSIN 53045 » 800.872.7882 Lending.Fiserv.com COMPANY HISTORY KEY BENEFITS Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry. The company provides integrated technology and services that create value for its clients. Fiserv drives innovation that transforms experiences for more than 16,000 clients worldwide, including banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients. »» Shared data across all consumer loan products allows lenders to consolidate functions across product lines »» Support for collections, loss mitigation, bankruptcy, foreclosure, claims, and REO is included in the core application and eliminates the need and expense of wraparound systems »» Having all of a borrower's delinquencies on one platform helps protect your portfolio investment and enhances the customer experience »» Workflow automation tools handle complex, multistep processes in seconds Attorney Case Management A powerful attorney referral, tracking, and communication system streamlines workflow and provides seamless collaboration with default attorneys. As cases are updated, the information systematically flows back to LoanServ for real-time updates. REO Support LoanServ can help you manage your loan portfolios across the entire lending relationship. The software provides end-to-end default management support for early-intervention loss mitigation through REO and asset disposition. Working out loan modifications and other loss mitigation options with troubled borrowers does not have to be a complicated process even when multiple stakeholders have an interest in a loan. Loss mitigation and default management workflow within LoanServ provides the functionality needed to meet today's requirements while giving financial institutions real-time information that allows them to manage and evaluate portfolio risk. Change may be the only constant in the new global economy. Success often relies on the speed with which your business can adapt to market dynamics, alternative technologies, and new economic realities. Fiserv can help. Fiserv's LoanServ software utilizes real-time tools and workflows to support better management of all actions in your REO portfolio, from the very beginning to the conclusion of the disposition process. LoanServ optimizes asset managers' own faculties, allowing users to execute better eviction and relocation decisions and manage property listings and buyers' offers against a documented marketing plan to ensure the best possible return. Fiserv's technology also lends itself to monitoring critical path milestones, which manifests in more efficient closings. Electronic Document Management Lenders and borrowers can securely and electronically exchange and manage documents for more efficient, productive, and profitable transactions. Secure electronic delivery with eSign expedites lending and collections processes. With LoanServ from Fiserv and its electronic default management workflow, every service interaction for collections or loan workout can result in a completed financial transaction or executed customer agreement—all while your customer remains on the telephone. KEY FEATURES Collections and Recovery Management Services Default Management Workflow Maximize resources and minimize losses throughout the collections and recovery process. Fiserv's Contact and Servicing Center offers a private-label extension of your workforce, with representatives trained on your specific products and services to complement your operation. Fiserv offers quick deployment and end-to-end results. The company's services are compliant with all federal regulations and licensed in all 50 states. You can outsource your collections and recovery management to Fiserv with confidence, allowing you to get back to the business of running your financial institution. Customizable business rules give lenders complete control of their business processes. LoanServ evaluates detailed data and workout-specific variables against the defined workflow and ensures compliance with HAMP and other modification programs as well as foreclosure alternatives, including HAFA. Portfolio Management Center Executive dashboards show the status of key components of portfolio composition, allowing lenders to manage and evaluate risk by blending all points of customer, vendor, and intracompany contact into one process. DELIVERY PLATFORM Licensed environment, hosted (ASP), or managed services model 72 INNOVATIVE Originate, close, manage, and service loans more quickly and efficiently while minimizing lending risk. Fiserv offers superior loan processing solutions and a business partnership that will position you for future growth. More than 16,000 customers around the world look to Fiserv to meet their strategic objectives.  RESPONSIVE Be more agile, more efficient, and more responsive to customers as the lending market evolves to a "new normal." Fiserv offers flexible deployment options that improve business processes and help you meet the needs of your borrowers and your institution. COST-EFFECTIVE With both revenues and profit margins being squeezed, make sure each and every customer contact produces the best possible return. Fiserv helps you reduce costs, generate revenue, and stay focused in an increasingly competitive landscape. Fiserv touts its LoanServ solution as "futureproof technology." It's technology that won't be obsolete in five years, the company says. How? This system allows you to serve any retail loan, anytime, anywhere. LoanServ from Fiserv has evolved from MortgageServ into a complete servicing system for all types of lending products. It's available online and in real-time so you won't have to contend with the limitations of end-of-day batch processing.

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