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TH E M R EP O RT | 33 Digital Risk CORPORATE PROFILE Digital Risk, LLC is one of the nation's largest independent providers of risk management services, compliance, quality control, due diligence, valuations, and fulfillment services for the complex and dynamic financial services market. The individual talents of Digital Risk's thousands of analysts are amplified by the company's proprietary technology and advanced analytics performed using the Making Mortgages Safe™ solutions suite. Digital Risk, LLC is a wholly owned subsidiary of Mphasis Ltd. To learn more, visit DigitalRisk.com. Headquartered in Maitland, Florida, with offices in Lake Mary, Florida; Jacksonville, Florida; Boca Raton, Florida; New York, New York; Denver, Colorado; Dallas, Texas; and Pune, India. COMPANY HISTORY Digital Risk started in 2005 and has grown from five employees to today's 1,500 USA-based workforce. During the last eight years, the company's dedicated team members have earned a stellar reputation for providing reliable solutions to mission critical, high-profile initiatives. In December 2012, Digital Risk was acquired by Mphasis, a Hewlett Packard subsidiary. Mphasis is the global leader in the BPO and KPO markets, employing more than 27,000 people worldwide. BUSINESS LINES, SERVICES & PRODUCTS • Due Diligence » Proprietary TRID reviews » Knowledge of agency "hot buttons" and repurchase errors » Anti-fraud tools and trend analysis • Securitization • End-to-End Conduit Solutions » Jumbo, NPL, and GSE securitizations (private/ STACR/CAS) » Billions securitized • Approved by all rating agencies • Credit-Valuation-Compliance-Servicing scopes • End-to-End Fulfillment • Valuations KEY FEATURES • $1.7 trillion in due diligence quality control reviews • More than 10 million loan files reviewed • Proprietary intelligence deployed: » Database comprised of $1.7 trillion in due diligence and quality control reviews » State-of-the-art technology, anti-fraud tools and trend analysis, and proprietary techniques to solve new legislation • Regulatory compliance department: » In-house staff attorney team » TRID, QM, and QRM expertise » Maintains proficiency with all federal and state compliance laws • $850 billion (UPB) under management ADDED VALUE TO BUSINESS PARTNERS With the rising cost of compliance, it is necessary for financial institutions to select partners who know how to navigate the regulatory waters. Through Digital Risk's unique market view, its leadership has seen a gap between regulatory understanding and operationalization. To provide the industry this missing link, the company has developed scalable solutions combined with a foundation of $1.7 trillion in due diligence reviews to offer a sound layer of protection via our thorough comprehension of today's complicated regulatory environment. KEYS TO SUCCESS Digital Risk was founded in 2005 based on one focus—making mortgages safe. Since then, the company has succeeded in this area and even expanded its mission by combining the company's advanced technology and expert underwriters. CORPORATE STRATEGIES/GOALS The company's goal is to provide a comprehensive solution suite that is capable of safeguarding financial transactions, including the entire mortgage loan life cycle. The company achieves this by leveraging its proprietary technology and expertise, which enable clients to enhance their quality, regulatory compliance, turn times, and efficiency. AWARDS AND ACCOLADES • 2015 Stevie® Awards for Women in Business— Won 2nd Place Grand Stevie® for Best Company Overall • 2015 Stevie® Awards for Women in Business— Won Gold Stevie® for "Business-to-Business Marketing Campaign of the Year" • 2015 Stevie® Awards for Sales & Customer Service—Won Gold Stevie® for "Business Development Achievement of the Year" • MReport's 2015 "Women in Housing" issue— Featured in "Emerging Leaders" • MReport's 2014 "Women in Housing" issue— Featured in "35 Under 35" SPECIALTY/EXPERTISE/QUALITY CONTROL INITIATIVES. Successful completion of over $125 billion in loan reviews provides unsurpassed expertise to mitigate the underwriting risk elements that may result in potential fraud, loan repurchase or default. Digital Risk Due Diligence services combine superior analytics, advanced technology, and the expertise of highly skilled underwriters to provide efficient underwriting support for any transaction volume and loan type, while maintaining the highest quality levels. KEY PERSONNEL Jeff Taylor Co-founder & Managing Partner Sesha Dhanyamraju CEO & Managing Partner Chris Castoro SVP, Transaction Management STAFF 1,500 CONTACT INFORMATION 2301 Maitland Center Parkway, Suite 165 Maitland, FL 32751 Phone: 888.500.RISK (7574) Web: DigitalRisk.com Email: sales@digitalrisk.com