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56 Loss Mit Tech and Services Guide SPECIAL ADVERTORIAL SECTION CLAIMS RECOVERY FINANCIAL SERVICES, LLC & REDITUS INVESTOR SERVICES, LLC KEY PERSONNEL Jodi Gaines CEO Steve Mowers COO/CFO Deb Cheek EVP – CISO, Compliance, and Audits Sean Snook SVP Compliance Tara Smith Director of Business Development NUMBER OF COMPANY EMPLOYEES » 450 CORPORATE DETAILS: 231 East Ave., Albion NY 14411 | 585.589.2991 | jodi.gaines@crfservices.com; tara.smith@reditusis.com CRFServices.com; Reditusis.com COMPANY HISTORY: Claims Recovery Financial Services, LLC (CRFS) was started at the kitchen table of Jodi Gaines on December 16, 2002. Since then, CRFS has grown to become the largest employer in their region and one of the largest providers in the industry. In 2017, CRFS Holdings started an affiliate company called Reditus Investor Services, LLC, (Reditus), whose mission is to provide services to investors in loan pools. REGULATORY COMPLIANCE: The CRFS compliance team closely monitors and assesses regulatory updates that impact investor and insurer timeframes, guidelines, client recoverability, potential audit risks as well as the default timelines. CRFS provides frequent and meaningful compliance updates to investors, insurers, clients, and industry partners. Jodi Gaines, CEO, Chairs the MBA FHA Claims Working Group and also participates in many industry committees including MBA Property Preservation, MBA LAC, and NAMFS. Sean Snook, SVP of Compliance participates on MBA's Loan Administration and Loss Mitigation Committees as well as MBA Claims and Property Preservation Committees. CRFS holds monthly internal compliance meetings with the management team, providing updates and communication to all staff members. BUSINESS LINES, SERVICES, AND PRODUCTS: CRFS is a default service provider with expertise in claim filing and recovery on all FHA, VA, GSE, mortgage insurance, and private investor Claims. CRFS also offers title and mobile home resolution services. Reditus Investor Services is a provider of data driven analytics assisting investors in maximizing the value of EBO, NPL, and MSR pool investments. Services include pre- and post-acquisition timeline and expense review. The company's loss analysis product identifies losses and financial risk. WHAT SETS YOU APART FROM YOUR COMPETITORS: CRFS is the industry expert with respect to complying with investor and insurer guidelines pertaining to loss mitigation and post default claims as well as mitigating our client's losses. CRFS claim filing services include loss mitigation claim, CWCOT claims, and SFLS claims. These disposition types allow clients to liquidate their assets and recover funds sooner, all while reducing their out of pocket spend. CRFS has recovered in excess of $2b annually for clients while keeping them compliant and minimizing their risk. CRFS is the only vendor in the industry to have received multiple zero HUD audit findings and additionally assisted its clients with reducing their loss mitigation findings by multi million dollars. CRFS proactively identifies areas of risk and creates solutions to assist clients in minimizing their exposure. The company's newly formed affiliate Reditus Investor Services, LLC consists of a team of industry experts that provide detailed and data-driven analytics on pre- and post-acquisitions, saving clients millions of dollars in potential losses. The company's loss analysis product identifies losses to the penny while fully reconciling with investor and servicers system balances WHAT ADDED VALUE DO YOU BRING TO YOUR CLIENTS: CRFS, Jodi Gaines, and members of the CRFS compliance team were very active in successfully challenging the proposed deadline to file insurance claims to Federal Housing Administration. Additionally CRFS was very engaged in disputing the enforcement of 24 CFR 203.402 dated November 19, 1992 which would allow HUD to potentially retroactively curtail certain expenses beyond the date the claim was due HUD. Both of these items if passed would have cost its clients millions of dollars in losses. Reditus has the expertise to identify areas of risk and loss for its clients that they may otherwise not know about. This is extremely valuable when bidding on pools of loans for future investment. WHAT ARE THE KEYS TO YOUR SUCCESS: As an industry leader, CRFS focuses on providing services to its clients based on its three main pillars of quality, timeliness, and experience. Quality is imperative to the company's success in all it does. CRFS is committed to perfecting the claim filing process as well as meeting and exceeding client expectations. Timeliness is the discipline CRFS has to meet all timeframes including resolving impediments, gathering documents, timely claim submission, and prompt claim payment. Experience the knowledge of the company's employees is second to none. The company's focus and commitment to having fully trained and experienced staff allows it to mitigate losses for clients while increasing their recoveries through exhaustive efforts. Reditus's key to success is its team of industry experts that identify and communicate areas of risk and exposure to help our clients make the best decision possible when it comes to acquiring new pools of loans and reducing losses on existing portfolios. WHAT INDUSTRY AWARDS, ACCOLADES, AND MILESTONES HAS YOUR BUSINESS ACHIEVED: » CRFS becomes Largest Private Employer in Orleans County NY November 2013 » CRFS named Business of the Year, Albion NY September 2013 » Jodi Gaines received Lifetime Achievement Award September 2013, Orleans County Chamber » CRFS is first vendor in our industry to receive multiple zero HUD Audit Findings. Nationwide coverage Albion, New York Corporate Headquarters