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58 SPECIAL ADVERTORIAL SECTION FISERV 255 FISERV DRIVE, BROOKFIELD, WI 53045 » PHONE: 800.872.7882 » GETSOLUTIONS@FISERV.COM fiserv.com LENDERS & SERVICERS OUTSOURCERS AGENTS & BROKERS ATTORNEYS SERVICE PROVIDER COMPANY DESCRIPTION Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry. The company drives innovation that transforms experiences for more than 13,000 clients worldwide, including banks, credit unions and thrifts, billers, mortgage lenders, auto finance and leasing companies, brokerage and investment firms, and other business clients. Fiserv was formed in 1984. NASDAQ: FISV. KEY PERSONNEL » » Jeffrey»W.»Yabuki, President and CEO » » Bret»Leech, President, Lending Solutions Division » » Terri»Gillespie,»VP Product Strategy and Management, Lending Solutions Division » » Bill»Nicholson,»CIO, Lending Solutions Division REGULATORY COMPLIANCE: Fiserv solutions give companies an integrated view of risk management across all business channels and tools to minimize exposure and avoid financial losses. Its solutions simplify regulatory compliance with business rules for workflows and queues, scripted completion of tasks, and process automation. Enterprise lifecycle information management provides risk analysis, issue identification and resolution, continuous reconciliation of loan data for real- time quality reviews, and full audit controls. Clients can quickly respond to industry chang- es using configurable rules and parameters. PRODUCT SOLUTIONS & BUSINESS LINES: Fiserv supports the full lifecycle of lending from origination through servicing for mortgage, home equity, consumer, auto, and business lending. The servicing solution includes specialized support for investor reporting, investor and borrower engagement, and default management. KEY DEFAULT FEATURES: LoanServ™, the loan servicing platform from Fiserv, solves critical needs for the entire default servicing lifecycle, from initial outreach to a successful workout or liquidation action. Built-in default management tools offer multiple-channel borrower engagement, automated workflow support, shared screens to promote consolidated functionality across product lines, and analysis and reporting functionality to efficiently manage your collections, loss mitigation, foreclosure, bankruptcy, and recovery and disposition needs. All of a borrower's delinquencies—mortgage, installment loans, and credit lines—can be supported in collections and default analysis and action, for a complete view of the total borrower financial picture. COLLECTION & LOSS MITIGATION LoanServ's flexible collection functionality helps determine the most effective collection strategy. Internal and external scoring and other key data elements are used to create contact campaigns. Real time updates ensure that there is no wasted effort and confusion about the loan status in any communication channel. Instant updates also reduce your effort since online queues and dialer files continuously throughout the day with the most current information about payments, promises taken, promises broken, and reversals. Loss Mitigation is fully supported with task-driven work, single point of contact automation, and evaluation of workout alternatives powered by Intellimods from CoreLogic. Once the workout is decisioned, all loan and borrower data is stored for audit needs. Documents can be delivered electronically with eSignature options and the ability for the borrower to upload requested documents, reducing cost and risk in the cycle of communication with borrowers. The borrower can also update financials, seek help, and view next steps in an optional borrower self-service component called LoanLink. BANKRUPTCY Bankruptcy is fully supported with simple set- up parameters that configure online, real-time queues to help staff complete assignments and track external party work from request through completion. The system calculates and generates the proof of claim (POC) and repayment plans; tracks the source of funds and trustee interest; tracks pre-petition, post- petition, and contractual due dates during the payment-posting process; and monitors the effects of cram-downs and agreed orders. FORECLOSURE LoanServ provides complete foreclosure processing functionality that tracks foreclosure activities by institution, state, investor guarantor/loan type, and property type. Communication with all vendors and attorneys is streamlined and tracked for aging and follow-up with actions and billings, timeline compliance, bid preparation, and sale or conveyance processing. LoanServ supports loan level foreclosure activities and provides reporting to measure critical phases according to investor/insurer requirements in each state. PROPERTY DISPOSAL Managing the disposition of acquired property requires a high level of efficiency and a high degree of precision to develop strategies that minimize the severity of losses by lenders and investors. By providing real-time tools and workflows, LoanServ puts you in complete control of your REO accounts, streamlines internal processes, improves vendor management, and controls costs. Besides helping you manage the property listing process, the REO/asset disposition support includes marketing management capabilities that give you data essential to determining a successful sales strategy. You also can add REO accounts that were acquired through subservicing relationships or bulk acquisitions. KEYS TO SUCCESS: » One-touch borrower interaction » Call center and workflow support for early intervention/early resolution » Numerous workout payment options » Custom gain-loss analysis » Risk-based scoring and online modeling » Bankruptcy and foreclosure automation » Complete REO marketing and closing support » Secure bi-directional document exchange with borrowers, with eSigning option » Document prep and reporting