Zone Data Systems client presentation

1. Why You Need ZDS Value Research Today…
Local Appraisers
Providing Real
Time Residential
Values
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2. Introducing Zone Data Systems LLC
 National Appraisal Company
 239 Partner Offices - All Independent Fee Appraisal Firms
 Coverage includes critical areas of the country
 Exclusive Valuation Research Technology – Zaio Valytics tm
 Ability to correctly model Market Conditions in a database
 Real-Time Appraisal Values
 Highest Regulatory Approval
 Data feeds as you need them
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3. Valuation Research Completed in Advance
Retrospective Current
Appraised Appraised
Values One Values
(Q4- 2011) Database
Organize All The
Facts
Value Trends Individual
and Indexing Liquidation Reports or
GIS Data Maps Value Portfolio Viewer
Tracking for
REO

4. A Whole Market Approach
Entire Cities or Portfolios Valued and GeoScore Rated
All Home values are
LocalSales areisAppraisers
All Licensed Scored
Every Home Reviewed
Homesand modify their
test are Grouped
measured and
canfor it’s key value is
and the Market
correctly positioned
based on common
value measurement as
attributes in a Central
Modeled (Location,
within the market
criteria.
new Sales and Listings
Condition etc.)
Database
model.
Occur

5. GeoScore TM
and ValyticsTM Technologies
Every home in a city is
compared to ALL possible
comparable sales in it’s
market group. Values This is the value of the
dynamically change as home, positioned
sales and listings occur. correctly in the market
at a certain Point in
Time.
Appraiser analyzes Data
to determine the dollar
value of certain GeoScore rating allows
property attributes. the appraiser to
“balance” why homes
sell for different
amounts
New selling prices are
dynamically compared
against the appraiser’s pre-
existing value
Powered by Technologymeasurement. Appraiser
accuracy can be measured.

6. Best of Breed at Every Level
The cheapest exterior Market
offers an is a purely
ZDS generatesisWhole
next step an appraiser’s
ValuationsStandard AppraisalZDS
The Gold through local the
Research and Appraisals
computer Appraisal valuecome
inspectiongenerated at The
analysis from the desk.
same price as interior price
appraisers full Whole Valuation
includes a formats and
in differentat the same Price
calledincludes a Broker price
Z-Val an Automated Market
pointsas an with theoffersideal
point depending onunique ZDS
inspection also
Opinion. It AVM.includesScope
Research plus ZDS the a
Model (AVM). the This is the
traditional
of WorkMarket Research
Whole (SOW) trend analysis.
ZDS Whole Market
superior solution. Research.
for statistics and
desktop. More economical
than a traditional “one-off”.

7. All Properties in any Portfolio Valued Monthly
Total Value of Portfolio
Current value of this house.
Value Change
Over Time Interval
Also available by data feed, with accurate matching to your records.

8. Get an accurate
number fast at this Full Appraisal fee is
point. Ideal solution Efficiency discounted by Z-Val
for Brokers and Cost.
Wholesale too.
Origination
Low Cost Full
Loan Z-Val Accurate Appraisal Processing
Application Check G.F.E. ZDSSave Z-Valable to
may be and Docs
Portfolio Viewer is a
Value provide it’s$values to you
real-time appraisal through your existing
update for all Asset Management data
properties in any stream.
portfolio.
Servicing
Constant
Arrears or Z-Val + Info on
Link to Loan Mod.
Default Portfolio Value +
Asset Man. Or REO
Occur Viewer or Property
Inspect.
Data Feed Status

9. Values are more
Work load The RMBS buyer can know
is
accurate than AVM
Secondary Markets and RMBS
automatically value of each home
the
or BPO and available
distributed to and the value trend going
local
at the same price
appraisers forward.
point
Due Diligence for RMBS
Buyer or Properties Local View, Portfolio
Seller are tagged Appraisers manage values
provides and loaded Measure and export monitored
Spread Values are more accurate
to Portfolio Values data as going
sheet than AVM orViewer
BPO but accurately needed forward
ZDS has access to
available at the same price
exterior photos of 20
point. Local Licensed
million homes taken
Appraisers have greater
2005-2008.
credibility.
Due Diligence for buy-backs (Due for release Q4 2011)
Spread Current
Historic Old photos Buyer can
sheet of Value also
sales data retrieved use
buy-backs tracked in
applied for from Portfolio
loaded to Portfolio
retro value Database. Viewer too
Valytics viewer

10. GIS Value Mapping and Indexing
6 Month Value Trend*
Properties, or
The Database Records
Neighborhoods can Indices can be more
Value be
Value Trends map to Zip Code. They can
plotted on a on a than
granular
Monthly Basis broken down to actual
show Value Trends
be
competing market groups
(Homes with the same location,
style, type and size attributes).
Conceptual Data Only. Value analysis has not been completed.

11. Overview of the Valuation Research Process
Local appraisers
review and
CORRECT existing
public data as
necessary.
Output will be
exactly what you
need...matched
directly with your
records.
ZDS has a photo
database of historical
images for 20 million
Appraiser-Backed
homes and can mass
Valuation
photo-shoot cities and
Database
neighborhoods if
necessary.

12. We Are At Your Service
In Conclusion….
ZDS products are created by Certified Appraisers, unlike ALL other high
volume products on the market today.
You can have you valuation supply chain backed by local licensed
appraisers, at the same price point as AVM (Automated Value Models)
and Broker Price Opinions.
ZDS is the ONLY appraisal organization capable of delivering millions
of appraisals on pace for today`s lending, securitization, servicing,
default, loan modification and risk review needs.
Thank-You for considering the future!