TheMReport

March, 2013

TheMReport — News and strategies for the evolving mortgage marketplace.

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— Special Advertorial Section — Property valuation guide Feature e2Value, Inc. e2value, Inc. "Our Mission Is to Be the Best Property-Based Solution for Risk Management" Corporate Headquarters key personnel Todd Rissel Chairman, CEO, & Co-Founder George Moore President, CTO, & Co-Founder Ken Shaw VP of Sales & Marketing Mike Coan VP Business Development contact information P.O. Box 3518 Stamford, Connecticut 06905 Phone: 203.975.7990 Email: sales@e2value.com Web: www.e2value.com Corporate profile: e2Value is a "software as a service" (SaaS) company that provides property valuation solutions and data to the property/casualty and finance industries. The company's internet-based applications are built on the latest technologies, which enable its products to be fast, accurate, and easy to use. e2Value is the only webbased valuation company with a patent for its methodology and boasts the only system that can value any size property on a single platform. BUSINESS SCOPE: Since offering AV3 to the banking and finance industries, Connecticut-based e2Value now provides insurance coverage throughout the U.S. and Canada, as well as banking coverage nationwide. COMPANY HISTORY: e2Value was founded in 2000 by insurance executives trying to solve the inefficiencies of other, paper-based, pre-technology-founded valuation systems. The company offers knowledge-based internet applications that enable consistency and standardization of pricing, processes, and procedures for all financial firms. e2Value's ITV tools are built specifically for use by insurance professionals; AV3 was built to be a USPAPcompliant product that follows FDIC guidelines. The company has grown from one customer to 475,000-plus end-users and more than 475 customers throughout North America (U.S. and Canada) in 12 years and owns U.S. Patent No. 7,373,303 for Methods and for Estimating Building Reconstruction Costs. e2Value provides products to assist with collateral asset valuation, predictive modeling, insurance-to-value, workflow solutions, and more. COMPETITIVE ADVANTAGE: With 12 years of proven results in the insurance industry, e2Value's clients have prevailed through some of the largest disasters with the help of the company's valuation tools. e2Values' role in facilitating this sucess resulted in clients meeting their fiduciary obligations, which in turn allowed them to help their policyholders in their greatest time of need, and that was achieved by e2Vaule's commitment to developing valuations for everything from the simplest and lowestcost housing to the most expensive and complex properties in the U.S. and Canada. While e2Value's heritage started with high-end home valuations, the company continued on to develop unique capabilities to work with all structures, regardless of value, taking pride in the fact that customers turn to e2Value when the answers matter the most. KEYS TO SUCCESS: AV3 offers the unique capability of combining the three approaches to value, sales, cost, and income in a weighted average for automated valuation of a property. The process is FDIC Reg 5000 compliant and can help with Dodd-Frank compliance, manage Tier 1 capital reserves, and with forthcoming Basel III implications. It can be done with one property or thousands for both commercial and residential properties. Many suppliers have a sales approach, or a cost approach, or an income approach, but AV3 is able to combine the values and also include flood maps and corresponding amounts of property insurance needed for any properties covered by flood insurance. e2Value has been successful for two main reasons: most importantly, its systems work when they are needed. Secondly, the company literally and figuratively provides value—meaning the results delivered are valued by customers for the results and the return on their investment for the service. e2Value's customers demand accurate numbers, quickly and easily; the company provides that without any software to own or maintain, and its software doesn't interfere with other company operations. In fact, e2Value's software never has to interact with any company systems but can be easily integrated if needed. E2Value's portfolio of products includes: Banking Products: AV3™, Pronto® for residential and commercial applications. Insurance Products: EVS™, structure valuation for personal insurance; QCE™, structure valuation for commercial insurance; Pronto Contents, business personal property; FnR™, structure valuation for farm & ranch insurance; and HSR, underwriting information gathering and delivery system. 2013 STRATEGY: e2Value rolled out the AV3 residential tool at the end of 2012 and is now rolling out its AV3 commercial tool. So far, the company's challenge has been meeting the demands for service while still maintaining the same level of attention and service existing customers have come to expect. The M Report | 43

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