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TH E M R EP O RT | 43 Special Advertorial Section PROPERTY VALUATIONS GUIDE Xome CORPORATE PROFILE Xome is a truly integrated digital platform that con- nects major touch points in the real estate transaction process from start to finish for both homebuyers and sellers. Xome makes the task of buying and selling more transparent and less complex by bridging the online and offline components for a more digitally streamlined and connected real estate ecosystem. Based in the Dallas suburb of Lewisville, Texas, Xome is an indirect wholly-owned subsidiary of Nationstar Mortgage Holdings Inc. (NYSE: NSM). BUSINESS LINES, SERVICES, AND PRODUCTS Xome Settlement Services offers centralized title production and a full suite of default title products and services spanning the entire spectrum of the default cycle and national E&O. Services also include automat - ed valuations and broker price opinions. Xome delivers valuation products utilizing professional appraisers and real estate brokers that are knowledgeable in their mar- ket areas, resulting in accurate, high quality products. REGULATORY COMPLIANCE Xome Settlement Services has internal legal, compli- ance, audit, and risk management teams specifically dedicated to its valuations business line. These depart- ments work together to ensure the highest level of compliance with state and federal laws and regulations. Key governance activities include weekly meetings to discuss the total landscape of items affecting valuations including: • First Line of Defense (FLOD) results • Upcoming regulatory change • Policies and procedures • Licensing updates • Customary and reasonable fee compliance GEOGRAPHICAL SCOPE AND COVERAGE AREA Xome Settlement Services currently provides a variety of valuation products in all 50 states for mortgage servicers, lenders and banks. Xome's appraisal network provides real estate valuation and transaction services in all 50 states. The panel is key to its continued success in providing best in class execution rates. • Approximately 400,000 values processed YTD in 2015 by a panel of more than 5,000 agents and appraisers • Over 10,000 properties sold YTD in 2015 by an active transaction panel of more than 3,000 agents and appraisers KEY FEATURES/BENEFITS Xome Settlement Services has quickly become a top-tier valuation firm, completing over 200K valuation products in 2015 while maintaining industry leading speed. Xome's focus on transparency and compliance ensures the highest quality customer experience possible. Programs are tailored to meet client quality control and reporting requirements. This is accomplished using best-in-class appraisal services combined with leading edge technology platform that delivers a compliance-focused program. Appraisal Services: • Provide over 6,000 appraisals and over 5,000 reconciled market values per month to some of the industry's largest banks. • Client Surveys: 90 percent excellence service rating with average turn rate of 6.1 days. Broker Price Opinion • Perform approximately 20,000+ BPOs per month within industry leading turn times while maintaining best in class quality marks. • Integrated national MLS data to provide quality reviewers available information to verify the broker used the most comparable data. Automated Valuations • Xome utilizes tools to perform automated values for real estate assets. • A BPO scoring tool provides immediate risk score based on broker's data. • Hybrid products can provide low cost alternatives to human powered services. BUSINESS LINES, SERVICES & PRODUCTS Xome has developed a comprehensive Valuation Platform to support the entire mortgage and real estate lifecycle. Xome offers national appraisal services on industry accepted reports: • 2055 (Exterior), 1004/1073 (Interior) reports • Products supporting origination through default servicing • Appraisal division managed and staffed experienced team. • Leadership team includes senior leaders that previously held executive roles at the largest AMC in the country • Chief appraiser is an AQB Certified USPAP instructor • Maintain high ranking for quality and timelines for banks / lenders that are among the largest in the industry. • Average of 6.1 days for 1004 appraisal timelines • Addendum rate of 8 percent and value dispute rate of 0.9 percent • Maintains a 90+ percent rating on client surveys • Developed quality systems compliant with industry standards: • Certified 2012, 2013, and 2014 external Dodd- Frank audit review KEY PERSONNEL Chad Neel EVP Ryan Lilly VP Business Development Tony Pistilli VP and Chief Appraiser STAFF 1,553 across the United States and India CONTACT INFORMATION 750 Highway 121 BYP, Suite 100 Lewisville, TX 75067 Email:vendormanagement@ xome.com Web: Xome.com