ABOUT XL DYNAMICS INC.

XL Dynamics Inc. is a privately held corporation and is headquartered in Cerritos, CA. XL Dynamics Inc. was founded in 1992 and incorporated in 1998. XL Dynamics' team, which consists of professionals with Mortgage Banking experience and strong technical knowledge, laid the foundation for a revolutionary organization - one that has been designed by Mortgage Bankers for Mortgage Bankers. XL Dynamics Inc., India started operations in 2002 with its wholly owned office located in Mumbai. XL Dynamics Inc. India provides an end-to-end solution to the Mortgage Industry to all our clients, from loan processing through secondary market portfolio management. Our web-based loan origination and servicing systems is one of the most advanced technology platforms in the industry. Our technology platform has been fully developed in house and is fully customizable, secure, scalable and reliable. XL Dynamics Inc., India conforms to international standards to foster an efficient and contemporary work environment. XL Dynamics Inc., India is a customized blend of onshore and offshore capabilities. These are tailored and coordinated to meet clients' specific business goals while ensuring that the right resources and skills are available at desired locations. XL Dynamics Inc.' implementation and delivery model leverages capacity, capabilities, and competencies across geographies to achieve optimal customer satisfaction. XL Dynamics Inc. - The Platform for Today - The Pathway to Tomorrow

WHY XL DYNAMICS INC.?

MORTGAGE PROCESSING, RISK ASSESSMENT & AUDIT SERVICES

XL Dynamics Inc. fulfills your Mortgage Processing needs by helping you assemble, analyze risks and fund loans in compliance with all major GSE (Government Sponsored Enterprise) and Investor guidelines. XL Dynamics Inc. through its efficient and quality centric expertise helps you stay ahead in the most competitive markets, enhancing your market and goodwill.

CUTTING EDGE TECHNOLOGY & COST EFFECTIVE TECHNOLOGY SOLUTIONS

In today's fast-moving and evolving global workplace, it is crucial for businesses to continuously streamline their processes and use cost-effective technology solutions. Mortgagesoft OnLine and SunSOFT have been designed by Mortgage Banking professionals who understand your business. As a result, you get products that address specific needs of your business. XL Dynamics Inc. leads the way in developing revolutionary Mortgage technology solutions that help you stay ahead of the curve.

SERVICES
XL Dynamics Inc. provides end-to-end solutions to the US Mortgage Banking Industry. The services offered are (a) IT solutions to the Mortgage Industry with its cutting-edge Loan Origination Technology; (b) Operational Support to Mortgage Industry Brokers, Lenders, Servicers and Investors; (c) Expert analysis and risk assessment of complex financial products; (d) Execution of complex trades in the capital markets; (e) Trading and hedging strategy and support; (f) Financial accounting services; (g) Regulatory compliance and audit services; (h) Quality Control services and (i) Securitization of loan instruments.

FUNCTIONS
Pre-Risk Analysis Risk Analysis Quality Control Hedging Analysis Collateral Security Instruments Review and Approval Documents Preparation Funding Audit & Process QC Loan Boarding Loan File Coordination Loan File Coordination Quality Control Loan Settlement Analysis and Quality Control Servicing Quality Control Secondary Market Broker Approval and Support Shipping Support

Pre-Risk Analysis The Pre-Risk Analysis Team assesses the risk associated with complex financial products being offered to customers by the client by comparing the information in the system with the loan documents submitted by the client. They analyze documents such as property title reports, appraisals, income and asset statements, etc. They provide the Risk Analysis Team a summary of their findings at the client's location in US. This helps the clients to make a better credit decision. Top

Risk Analysis Quality Control The Risk Analysis Quality Control Team at XL Dynamics Inc. audits the work completed by the Loan Boarding, Pre-risk Analysis and Risk analysis Team. The functions involve reviewing the loan decision sent out by the Risk Analyst in US. Once the audit is complete, the findings are sent to the Risk Analyst to take any corrective action, if necessary. They also verify the system for accuracy of the information in the system. Top Hedging Analysis Hedging Review Team assists the Capital Markets team in managing the financial risk in the company's mortgage originations. The team performs the daily audits of the locked pipeline to ensure only active loans are hedged for the financial risk and the sales reporting to the hedging vendor. Top Collateral Security Instruments Review and Approval The Collateral Security Instruments Review and Approval team ensures that the original loan security instruments are returned to the Client after them being recorded by the County where the collateral is located. This involves following up with the Settlement Agents and Attorneys to ensure the security instruments were sent appropriately to the county for recording. They then follow up to retrieve the documents once the county has recorded them and review the instruments to ensure that a lien was properly recorded in the Client's Name and for the correct amount. Top Documents Preparation The document preparation team ensures that accurate loan data is entered in the document preparation software, by ensuring the Borrower and Property information is accurate. They update the fees in the system match the Settlement Statement and ensure all other data in the Document Preparation software does not have any clerical errors. They prepare packages that need to be sent for attorney approval whenever necessary. Top Funding Audit & Process QC This team verifies and audits the loans to ensure that all the loans that are funded are in compliance and without any defects or qualify control issues. This is done in three stages - The first audit is done before the loan is funded, the second audit is completed after the loan is funded and the final audit is completed for all the processes in loan's life cycle right from loan origination to funding. All relevant loan documents are reviewed and verified to ascertain that the loan is in compliance with Federal, State & Investors guidelines. As a part of Process QC, they review each process of loan cycle for every loan to verify if the loan was in compliance at each process and provide necessary feedback to the respective teams in case of any qualify and/or compliance issues. Top Loan Boarding The Loan Boarding department at XL Dynamics Inc. ensures that loans are accurately set up into the ERP systems of our clients by thoroughly reviewing the loan files submitted. After accurately entering the Loan Information in the ERP system, certain important compliance verifications are done to ensure the loan was originated in compliance and may be submitted for approval. Top

Loan File Coordination The Loan File Coordination Team provides clerical support to the Relationship Manager by way of splitting and uploading documents to the file storage location. They also assist in ensuring the documents are sent to the Risk Analysts for review to ensure loan conditions are promptly signed off. Top Loan File Coordination Quality Control The Loan File Coordination Quality Control Team audits the activities completed by the Relationship Manager by checking that the timely response was sent by the Relationship Manager to all Clients. They also review that the appropriate comments justifying condition resolutions were added in the system. When the loan is cleared for closing they ensure that the process checklists are filled correctly with respect to the data in the system and loan documents uploaded in the file storage location. Top Loan Settlement Analysis and Quality Control The Loan Settlement Analysis and Quality Control Function at XL Dynamics Inc. ensures that the Closing Agent or Attorney has disbursed funds received from the Client as per the Settlement Statement. This involves reviewing the Settlement Statement prepared by the Closing Agent or Attorney and verifying all fees charged. If non- allowable fees are found, these are recommended to the Funding Team in the US to request a refund from the service provider. Top Servicing Quality Control Servicing refers to loan maintenance once the funds are disbursed to the Borrower. The quality control function is involved in the internal audit of various servicing functions like Monthly Payment Collection, Default Management, Handling Customer Service Requests, Loss Mitigation efforts and forbearance, Foreclosure, REO and Claims. Top Secondary Market This team studies the secondary market and prepares the competitive daily rate sheets for clients and is also responsible for locking the interest rate for lenders and its affiliated clients in the ERP system. This is done through thorough analysis of secondary market where mortgages are bought and sold and preparing competitive rate sheets as per the market fluctuation in timely manner and distributing the updated rate sheets to the client and client's affiliates. They publish the updated rate sheets in timely manner to client's website whenever there is any change in the market and integrating the updated rate sheet in the ERP systems to ensure that the most recent and updated rates are available to the client and client's affiliate.. Top Broker Approval and Support The Broker Approval and Support looks after support functions to the B2B customers of the Client. They review the Business Licenses and Approvals in the state where the B2B Customer's offices are located. They review the company's status in the Better Business Bureau to verify if the B2B Client has any customer complaints against it and sending it to the Account's Executive for review. They also handle B2B customer service queries and their resolution. They also perform Annual review and the recertification requests and send them to the Broker Company. They also facilitate User ID Creation / Deletion of Ids. Top Shipping Support

The shipping support Team is responsible for the verification of the loan documents as per the investor

requirement, preparing the document packages and sending them to US Shipping Team in US which will be further sent to the investors.