1. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com MOS Group, Inc.– Overview Delivering Full Spectrum Default Capabilities Through Process, Technology and Talent Lewis Jepson National Sales executive Direct: 925-200-7345 [email_address]

4. MOS Group enjoys an exceptional market reputation, delivering consistent, reliable and meaningful mortgage default capabilities to the servicing community for over 30 years . <2000 MOS--an industry leading borrower contact service provider Loan Volume Growth (avg. monthly loans ) 15k Sorrento Capital sets strategy for MOS to be a leading “end-to-end” loss mitigation service provider Sorrento Capital acquires MOS Selected as primary HAMP provider by 2 mega servicers, driving substantial growth and expertise in the “new default marketplace” for the company. Exceeds 150k borrowers serviced under HAMP Program 22k 2005 2008 2009 2010 - 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Overview - History & Milestones Expands client base Launches HAFA ready services Exceeds 250k HAMP trials Produces 35k permanent modifications for clients 5k 7k 9k 42k

5. California Virginia 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Overview – Our Site Locations Two scalable, redundant centers located in key mortgage industry areas

6. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com MOS Group Inc. Service Offerings

7. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Overview – Services Overview Core Contact Services Product Description Borrower Outreach Solicit right party contact efforts through a strategic combination of phone calls, skip trace, letters and field visits (optional service text). Borrower Contact Contact with borrower focused on supporting client needs for specific information, e.g., RFD, resolution options, warm transfer. Field Visits Nationwide property field visits, drive by inspections, direct contact and warm transfer capabilities. Document Management Retrieval and Review Retrieval from borrower, signatures and notary. Review existing documents, image, index and retrieve missing items. Validate resolution documents and package completion.

8. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Overview – Services Overview Core Loss Mitigation Services Product Description Modification Processing HAMP and Non-HAMP Perform full spectrum processing borrower solicitation, prequalification, document retrieval, underwriting and closing. Short Sale Fulfillment HAFA and Non-HAFA Perform end to end or segmentation including borrower solicitation, prequalification, borrower support, RE agent, marketing and offer management, title curative and closings. Deed In Lieu Support HAFA and Non-HAFA Coordinate complete process including borrower solicitation, qualification, title curative, document package and recording. Junior Lien Negotiation Facilitate negotiation and final approval with all lien holders adversely impacting resolution strategy.

9. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Company Product & Service Capabilities MOS Capabilities Products Capability Implemenation Date Active 1 Borrower Outreach Yes 1975 Yes 2 Borrower Contact Yes 1975 Yes 3 Deed In Lieu Yes 2000 Yes 4 Document Retrieval Yes 2006 Yes 5 Document Review Yes 2007 Yes 6 Fulfillment Yes 2008 Yes 7 HAMP Yes 2008 Yes 8 HAFA Yes 2009 Yes 9 Modification Yes 2009 Yes 10 Short Sale Yes 2000 Yes 11 Liquidation Yes 2010 Yes 12 Alternative Dispositions Yes 2010 Yes

11. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Mortgage Outreach Services OPERATIONS & PROCESS Delivering Full Spectrum Default Capabilities Through Process, Technology and Talent

12. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Overview – Client Fulfillment and Operational Design Teams work within a hybrid relationship model blending vertical Process Ownership & Development “POD” with Horizontal Center of Excellence “COE”. POD COE Enables maximization of talent, resources and cost efficiencies to manage performance and volume cycles.

14. 1. 2. 3. 4. 68% 82% 88% 80% 78% 87% 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Executive Dashboard

15. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Mortgage Outreach Services TECHNOLOGY and RISK MANAGEMENT Delivering Full Spectrum Default Capabilities Through Process, Technology and Talent

16. FDCPA-Compliant SAS70 Level II Compliant GSE Approved Component Servicer Private Investigator License Licensed Debt Collector in all required States Compliance Credentials Overview – Compliance

18. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Risk Management - Business Continuity & Redundancy Disaster Recovery Business Continuity Executive Business Continuity Committee Borrower Outreach (Contact Mgmt) Document Services Loss Mitigation Fulfillment (inc. Vendors) Primary Operations Center Business Continuity Task Force Borrower Outreach On-Site & MOBILE Team Document Services On-Site & MOBILE Team Loss Mitigation On-Site & MOBILE Team Fulfillment On-Site & MOBILE Team Oversight Tactical Responsibility Redundant Operations Center

19. 2010 Mortgage Outreach Services. Privileged and Confidential Information www.mortgageoutreach.com Default Management & System Redundancy California Primary Operations Center Service Site Virginia Secondary Operations Center Service Site Vendor Network MOS Group Inc. Sorrento Parent / Subsidiary Center Skip Tracing Clients & Customers Third Party Systems Data Analytics Internet Internet Field Visits Document Delivery Internet Document Generation Letter / Forms