“Your Satisfaction Is Our Future”

2. “Your Satisfaction Is Our Future” Offering the highest quality and service in:  Flood Certifications  Insurance Tracking  Insurance Products  Evaluation Tools  Property Inspections  Real Estate Tax Service

3. Portfolio Insurance Management “Drivers” • Biggert Waters Flood Reform Act 2012 Escrow of Flood Insurance Payments Requirement - Intended Effective Date July 6, 2014 - Applies to Residential improved real estate Exempt if : 1. Less than $1B in assets and 2. Lender not required by law to escrow & did not have escrow policy in place as of 6/12/12.

4. Portfolio Insurance Management New CFPB Servicing Requirements (Res Hazard) Escrow/Impound Loans: - CFPB prohibits Force Placed insurance when policy cancelled for non-payment. - Creates need to advance funds to pay premium (*Small Servicer Exemption: Own/Servicing < 5,000 loans) Non Escrow/Non Impound Loans: - New Force Placed Notice Requirements • New notice templates w/ req. information & font • 1st notice 45 days prior to Force Placing Ins. • 2nd notice 15 days prior and include premium amt. • Force Placed Renewals – One notice 45 days in advance

5. AFR Insurance Tracking • What your solution should provide: • Management & Transfer of Risk - Guaranteed accuracy to ensure portfolio collateral is always insured • Keep you in control of the portfolio by acting as your back office and reporting to lender • Standard reports to lender of loans under insured • Insurance specialists follow up to obtain proof of insurance from borrower via: • 1) Borrower notices requesting proof of ins. • 2) Handling borrower and agent phone calls

6. AFR Services What your solution should provide (cont.) • Emphasis on tracking insurance with follow-up efforts rather than hastily & unnecessarily force placing insurance • As a last resort, and only at lenders request, ability to place insurance • Lender access to all data, docs via the web • Provide escrow reporting and/or payment