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30 | Th e M Rep o RT Special Advertorial Section ComplianCe Company Guide COMPANY DESCRIPTION Clayton Holdings provides information and services that financial institutions, investors, and government entities use to evaluate, acquire, securitize, service, and monitor loans and asset-backed securities. Clayton conducts its business with uncompromising honesty and integrity, and its employees are committed to upholding solid principles of corporate governance. As part of the overall governance, Clayton's system of internal controls includes organizational design, written policies and procedures, operating practices, and controls to protect people and assets. This integration of key activities helps identify irregularities and reduce risk to a reasonable level as quickly as possible. Of key importance to most government agencies, Clayton is a certified federal contractor and, as part of that commitment, it operates under the guidelines of the Office of Federal Contract Compliance Programs (OFCCP). COMPANY HISTORY Founded in 1989, Clayton pioneered both the residential due diligence and servicer surveillance industries. Since that time, Clayton has performed due diligence file reviews on more than 10 million loans; has performed surveillance/oversight on more than $2 trillion in original balance; and, over the past three years alone, has conducted more than 125 residential mortgage servicer operational assessments. BUSINESS LINES, SERVICES, AND PRODUCTS Clayton offerings include risk-based analytics, residential and commercial loan due diligence, consulting, surveillance, and staffing solutions. The company provides customized special servicing solutions, REO management, BPOs, and a short sale program through its Green River Capital subsidiary. A global reach in the financial services industry is provided by the company's European subsidiary, Clayton EuroRisk. COMPETITIVE ADVANTAGE For more than two decades, Clayton has been the go-to provider of residential and commercial real estate advisory services, analysis, and support services. Clayton offers unparalleled breadth and depth and is uniquely positioned to bring impartial, effective solutions to current market challenges and provide the most robust experience to its clients. Clayton is confident that its clients will realize great benefits from the company's experience, advice, customized services, and objectivity. Clayton's differentiators include: Pioneering the residential loan due diligence industry • Largest and longest-standing due diligence firm in the industry. • Due diligence workforce of more than 500 underwriters and team leads. • Exceptional reputation for quality, unbiased advice. • Clayton is an approved S&P and DBRS RMBS third-party review (TPR) provider and meets the standards of Moody's, Fitch Ratings, and Kroll Bond Ratings for pre-securitization due diligence. Pioneering credit risk management/loan surveillance • Possess a broad and vast array of historical transaction data. • Support and oversight of more than $1 trillion of loans. • Depth of experience includes providing advisory services, asset management services, and loan review/due diligence for all property and credit types. • Clayton's independence allows for an unbiased approach, and the company always endeavors as a fiduciary in good faith to provide an objective review and recommendations. Regulatory knowledge • Clayton is an expert in all of the latest regulatory compliance guidelines including FACTA, HMDA, RESPA, TILA, and the new ATR/QM rules. • Clayton was recently selected by Weiner Brodsky Kider to provide loan review expertise in their CFPB examination readiness program. Team of industry experts • Beyond tools and technology, Clayton's most essential asset is its team of motivated, hard- working industry experts. The company is convinced that its employees are outstanding at what they do, and it believes that clients will agree. • Clayton's subject-matter experts have held significant positions in the banking, residential, and commercial real estate industries and bring years of lending and operating experience to Clayton. The company's project teams possess best-practices knowledge of banking, finance, and residential/commercial real estate operations, from origination through special servicing, workouts, and REO. They perform in-depth analyses of both the quantitative and qualitative aspects of all forms of residential/CRE management, loan file reviews, and servicing. key personnel Paul Bossidy CEO Joseph D'Urso President and COO Tom Donatacci EVP, Business Development Ron Castro Managing Director Scott Mowry SVP, Operations staffing 500 employees contact information 100 Beard Sawmill Road Suite 200 Shelton, Connecticut, 06484 Phone: 877.291.5301 Fax: 203.926.5757 Email: sales@clayton.com Web: clayton.com Clayton Holdings