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34 | Th e M Rep o RT CORPORATE PROFILE Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry. The company drives innovation that transforms experiences for more than 16,000 clients worldwide, including banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients. COmPAny hIsTORy For 30 years, Fiserv has developed industry-leading financial services technology solutions. Since its for- mation in 1984, Fiserv (NASDAQ: FISV) has grown by finding the right resources to meet clients' technology needs. Today, as a global, multibillion-dollar company, Fiserv offers clients an array of solutions that are sup- ported by the highest-quality client service. REguLATORy COmPLIAnCE Fiserv solutions give companies an integrated view of risk management across all business channels and tools to minimize exposure and avoid financial losses. Its solutions simplify reporting and regulatory compliance while providing risk analysis, integrated default management controls, and a graduated approach to secure, paper-free lending. BusInEss LInEs, sERvICEs, And PROduCTs Origination solutions from Fiserv automate every phase of mortgage, home equity, consumer, and business loan origination. This life-of-loan support helps financial institutions close loans more quickly, manage loans more efficiently, and introduce new products more effectively. Lending solutions from Fiserv result in significant increases in transaction speed and volume and make it possible to book a loan, post a payment, and sell to an investor all on the same day. KEy FEATuREs/BEnEFITs The availability of credit has created a need to optimize lending operations and reduce cycle times to ensure the highest return on origination investments. Sound decision-making and speed are paramount. Fiserv solutions streamline the loan management process by automating and consolidating processes in order to boost efficiency and reduce transaction costs. • Fiserv's loan management systems help grow customer relationships by providing valuable insights and consolidated views of their needs and credit-worthiness. • With systems that automate manual processes and share functionality across product lines and departments, Fiserv helps lenders save time and money with each transaction. • Flexible deployment options and configurable, lender-defined software components improve business processes and help organizations effectively manage their lending operations. COmPETITIvE AdvAnTAgE While other companies offer a single product cater- ing to a specific market, Fiserv offers a full range of loan origination systems that fit the needs of diverse lenders. Common Origination Platform (COP) from Fiserv is a single-platform, enterprise lend- ing solution for mortgage, consumer, and business loan originations. With data about borrowers in one place—regardless of the point of origination or loan type—lenders can reduce risk, gain processing effi- ciencies, take advantage of cross-sell opportunities, and use information more effectively. Unlike other loan origination systems that may require several modules to achieve an enterprise lending solution, all COP capabilities exist within a single module. Consolidation of loan production and management across origination channels, depart- ments, and third-parties gives a clearer picture of an organization's financial position, operational perfor- mance, and cross-selling opportunities. Key features of Common Origination Platform include browser-based architecture and 24/7 availability; simultaneous, enterprise-wide implementation of regulatory changes such as updated pricing and documentation; fast, secure delivery of disclosures and other pre-closing documents that satisfies all RESPA and MDIA disclosure regulations; MISMO-based transaction standards; and flexible deployment options. AddEd vALuE TO CLIEnTs With the right combination of lending services and integrated technology solutions, Fiserv clients deliver top-quality customer service with real-time processing and an enterprise view of the borrower. KEys TO yOuR suCCEss Fiserv has invested in the right solutions at the right time to meet market demands such as technology that offers open, rules-enabled architecture to increase efficiency, standardize compliance, and provide loan options tailored to the borrower's needs. The deployment of a single platform for multiple loan types supports lenders and provides them with a competitive advantage. IndusTRy AwARds, ACCOLAdEs, And mILEsTOnEs • Fortune magazine's 2014 list of World's Most Admired Companies • 2014 Mortgage Technology Top 50 Service Provider key personnel Jeffrey W. Yabuki President and CEO Shawn Donovan EVP, Chief Sales Officer Kevin J. Collins President, Lending Solutions Division Terri Gillespie VP, Strategic Business Development, Lending Solutions Division Bill Nicholson CIO, Lending Solutions Division staffing Approximately 20,000 associates contact information 255 Fiserv Drive, Brookfield, Wisconsin 53045 Phone: 800.872.7882 Email: getsolutions@fiserv.com web: fiserv.com Fiserv, Inc.