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» VISIT US ONLINE @ DSNEWS.COM 53 SPECIAL ADVERTORIAL SECTION Risk Management/Due Diligence CLAYTON HOLDINGS LLC KEY PERSONNEL Joseph D'Urso President Jeff Tennyson Chief Operating Officer Tim Reilly President of Green River Capital (GRC) Tom Donatacci EVP Business Development Jeff Jonas President of Red Bell Real Estate STAFFING » Number of company employees: 1,000 BUSINESS LINES, SERVICES & PRODUCTS Clayton Holdings LLC, a subsidiary of Radian Group Inc. (NYSE: RDN), provides risk-based analytics, residential loan due diligence, consulting, surveillance and staffing solutions. The company provides customized REO asset manage- ment and single-family rental services through its GRC subsid- iary; advanced AVMs, BPOs and technology solutions to monitor loan portfolio performance, acquire and track NPLs, and value and sell REO through its Red Bell Real Estate subsidiary; and a global reach through its Clayton EuroRisk subsidiary. CORPORATE DETAILS: 100 Beard Sawmill Road, Suite 200, Shelton, CT, 06484 | 877.291.5301 203.712.8805 fax | sales@clayton.com | clayton.com COMPANY DESCRIPTION Clayton provides information and services that financial institutions, investors and government entities use to evaluate, acquire, securitize, service and monitor loans and asset-backed securities. Clayton conducts its business with uncompromising transparency and integrity and its employees are com- mitted to upholding solid principles of corporate gover- nance. As part of the overall governance, Clayton's sys- tem of internal controls includes organizational design, written policies and procedures, operating practices and controls to protect people and assets. This integration of key activities helps identify irregularities and reduce risk to a reasonable level as quickly as possible. COMPANY HISTORY Founded in 1989, Clayton pioneered both the residen- tial due diligence and servicer surveillance industries. Since that time, Clayton has performed due diligence file reviews on more than 12 million loans; has performed surveillance/oversight on more than $2 trillion in original balance; and, over the past three years alone, has conducted more than 200 residential mortgage servicer operational assessments. COMPETITIVE ADVANTAGE Clayton offers unparalleled breadth and depth and is uniquely positioned to bring impartial, effective solutions to current market challenges and provide the most robust experience to its clients. The company is confident that its clients will realize great benefits from the Clayton's experience, advice, customized services and objectivity. CLAYTON'S DIFFERENTIATORS INCLUDE: PIONEERING THE RESIDENTIAL LOAN DUE DILIGENCE INDUSTRY » Largest and longest-standing due diligence firm in the industry. » Due diligence workforce of hundreds of underwriters and team leads. » Clayton is an approved S&P and DBRS RMBS third- party review (TPR) provider and meets the standards of Moody's, Fitch Ratings, and Kroll Bond Ratings for pre- securitization due diligence. PIONEERING CREDIT RISK MANAGEMENT/LOAN SURVEILLANCE » Possess a broad and vast array of historical transaction data. » Significant experience performing targeted reviews of assets to assess compliance with representations, regulatory and legal requirements, investor guidelines and settlement agreements, performing over 150,000 such reviews since 2012. » Depth of experience that includes providing advisory services, asset management services, and loan review/ due diligence for all property and credit types. REGULATORY KNOWLEDGE » Clayton is an expert in all of the latest regulatory compliance guidelines including TILA, ATR/QM, RESPA, FACTA, HMDA and the new NRSRO rules. » Clayton was selected by Weiner Brodsky Kider to provide loan review expertise in their CFPB Examination readiness program. TEAM OF INDUSTRY EXPERTS » Beyond tools and technology, Clayton's most essential asset is its team of motivated, hard-working industry experts. The company is convinced that its employees are outstanding at what they do, and it believes that clients will agree. » Clayton's subject-matter experts have held significant positions in the banking and residential real estate industries and bring years of lending and operating experience to Clayton. The company's project teams possess best-practices knowledge of banking, finance and residential real estate operations, from origination through servicing, workouts and REO. They perform in-depth analyses of both the quantitative and qualitative aspects of all forms of residential real estate management, loan file reviews and servicing. CORPORATE STRATEGIES/GOALS With the support of its parent Radian, Clayton is invest- ing significantly in infrastructure and resources to create more innovative solutions and expand to new markets. Recently, the company acquired Red Bell Real Estate, a cutting-edge real estate brokerage, technology and data firm with industry-leading technology for enhanced property valuation and NPL management. Its GRC subsidiary, a leader in REO management and single-family rental (SFR) solutions, launched a new Rental Asset Management & Performance (RAMP) product to provide a range of surveillance analytics for the single-family rental industry, being used by both SFR investors and originators. The company is also working with lenders, ratings agencies and warehouse providers to aggregate the information, process, underwrite, and value the properties in multi-borrower SFR securities deals and then credibly report out to the trustee, the servicer and, ultimately, the bondholders. In addition, Clayton is developing Asset Representa- tions Reviewer Services to maximize transparency and value for security investors.