| Zenta offers a full spectrum of residential loan servicing support services, from new loan setup through lien release. Our management and operations teams have extensive experience managing large and diverse portfolios. Our familiarity with the major servicing platforms, including Fidelity/Alltel and Fiserv MortgageServ further speeds your time to market. Our existing servicing clients include several of the largest servicers in the United States. Whether you are looking for data auditing of a small pool of loans or complete servicing support for a multi-billion dollar portfolio, our servicing experts are available now to help determine the most cost effective solution for you. We know outsourcing, you know your business, we both know loan servicing; together we can deliver incredible results. An overview of the various servicing functions we can help you with are list below: Loan Setup and Post-Close Review Our new loan setup and post-closing review services ensure your servicing system data is correct from the first payment forward. Auditing loan data for new production and newly acquired loans; comparing and updating loan servicing system and production system data to images of original loan documents. Review and setup of Master File data as well as escrow information including, tax lines, hazard lines, MI, and other insurances. ARM Audits Auditing loan files for newly acquired loans to validate ARM program, index, adjustment period, caps and floors etc. by comparing system information to Note and Rider. Auditing seasoned loans for accuracy of ARM changes through life of loan. Pre-payment Penalty and Late Charge Review Auditing loan files of acquired loans and new production for accurate capture and recording of pre-payment data, late charge and other loan level and loan program information. Regulatory Compliance and Fraud Compliance Review Post-Closing review of loan files to ensure that regulatory compliance issues are validated and reviewed for the loan. The reviews includes ROR, GFE, TIL and other compliance documents to ensure they are all present, complete and in compliance with regulatory requirements. HMDA Audits Auditing loan files for new loan production to ensure HMDA is captured and recorded correctly for lender’s HMDA reporting process. HMDA Determination Reviewing loan files to make a determination as to the correct HMDA disposition for loans that were not approved by the lender. Determination is made after review of conversation logs and data in the loan file. "Know Your Customer" Data Validation - Experience to help you develop and implement AML and Patriot Act compliance programs. Lien Release and Recorded Documents Lien Release To date we have processed approximately 300,000 lien releases in all 50 states. Our process can eliminate up to 85% of your research expense and penalty expense. Recorded Document Database To date we have audited recorded document database for over 620,000 loan records. Our clients are avoiding significant expense in lien release process and document abstracting fees through accurate and timely information. Investor Reporting Custodial Account Reconciliations we are currently reconciling over 550 custodial accounts for various investors, including FHLMC, FNMA and GNMA. We deliver significantly improvement Turn-around times. Investor Reporting Reconciling and preparing on a monthly basis over 100 Investor reports and remittances, while meeting 100% of timeline requirement. Unprocessed Cash Completing pool to security reconciliations for 800 plus pools prior to scheduled remittances. Turn-around time for loan level discrepancies are identified and addressed within 24 hours of cutoff. Investor Accounting – We are completing pool to security reconciliations for 800 plus pools prior to scheduled remittances. Turn-around time for loan level discrepancies are identified and addressed within 24 hours of cut-off. Default Management Default Claims Managing Default Claims process for Fannie Mae, Freddie Mac, VA, private investors and MI claims. Bankruptcy Referrals Monitoring Banko feeds and reviewing filings. Initiating a bankruptcy referral and entering data for Proof of Claim. Follow-up and monitoring of timelines. Manage disposition of case. Foreclosure Referrals Monitoring queues and initiating foreclosure filings. Manage documentation and data for 1st Legal. Follow-up and monitoring of timelines. Manage disposition and reinstatements.    How may we help you ? Contact Us To discuss how we can help your organization, call us at 1-877-77-ZENTA or contact us via email at contact@zenta.com.

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