Why You Need ZDS Value Research Today…

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Local Appraisers Providing Real

Time Residential Values

Introducing Zone Data Systems LLC

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National Appraisal Company

239 Partner Offices - All Independent Fee Appraisal Firms

Coverage includes critical areas of the country

Exclusive Valuation Research Technology – Zaio Valytics tm

Ability to correctly model Market Conditions in a database

Real-Time Appraisal Values

Highest Regulatory Approval

Data feeds as you need them

Valuation Research Completed in Advance

Retrospective Appraised

Values(Q4- 2011)

Individual Reports or

Portfolio Viewer

Value Trends and Indexing

GIS Data Maps

Current Appraised

Values

Liquidation Value

Tracking for REO

One Database

Organize All The Facts

A Whole Market ApproachEntire Cities or Portfolios Valued and GeoScore Rated

Homes are Grouped based on common

criteria.

All Sales are Reviewed and the Market is

Modeled in a Central Database

Every Home is Scored for it’s key value

attributes (Location, Condition etc.)

Local Licensed Appraisers can test and modify their

value measurement as new Sales and Listings

Occur

All Home values are measured and correctly

positioned within the market model.

GeoScoreTM and ValyticsTM Technologies

Appraiser analyzes Data to determine the dollar

value of certain property attributes.

GeoScore rating allows the appraiser to

“balance” why homes sell for different

amounts

This is the value of the home, positioned

correctly in the market at a certain Point in

Time.

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Technology

Every home in a city is compared to ALL possible

comparable sales in it’s market group. Values dynamically change as sales and listings occur.

New selling prices are dynamically compared

against the appraiser’s pre-existing value

measurement. Appraiser accuracy can be measured.

Best of Breed at Every Level

Valuations and Appraisals come in different formats and price points depending on the Scope of Work (SOW)

The Gold Standard Appraisal includes a full interior inspection with the unique ZDS Whole Market Research

The next step is an appraiser’s analysis from the desk. The ZDS Z-Val includes Whole Market Research plus the traditional desktop. More economical than a traditional “one-off”.

The cheapest is a purely computer generated value called an Automated Valuation Model (AVM). ZDS offers a superior solution.

ZDS generates Whole Market Research through local appraisers at the same price point as an AVM. This is ideal for statistics and trend analysis.

ZDS offers an exterior inspection Appraisal at the same price as a Broker Price Opinion. It also includes the ZDS Whole Market Research.

All Properties in any Portfolio Valued Monthly

Current value of this house.

Total Value of Portfolio

Value Change Over Time Interval

Also available by data feed, with accurate matching to your records.

Efficiency

Origination

Servicing

LoanApplication

Low Cost Z-ValCheck Value

AccurateG.F.E.

Full AppraisalSave Z-Val

$

Processing and Docs

Arrears or DefaultOccur

Z-Val +Portfolio

Viewer or Data Feed

Link to Asset Man.

Inspect.

Constant Info on Value +

Property Status

Loan Mod. Or REO

Get an accurate number fast at this

point. Ideal solution for Brokers and Wholesale too.

Full Appraisal fee is discounted by Z-Val

Cost.

Portfolio Viewer is a real-time appraisal

update for all properties in any

portfolio.

ZDS may be able to provide it’s values to you

through your existing Asset Management data

stream.

Secondary Markets and RMBS

Due Diligence for RMBS

Due Diligence for buy-backs (Due for release Q4 2011)

Buyer or Seller

provides Spread sheet

Properties are tagged and loaded to Portfolio

Viewer

Local Appraisers Measure

Values accurately

View, manage

and export data as needed

Portfolio values

monitored going

forward

Spread sheet of

buy-backs loaded to Valytics

Historic sales data applied for retro value

Old photos retrieved

from Database.

Current Value also tracked in Portfolio viewer

Buyer can use

Portfolio Viewer too

Work load is automatically

distributed to local appraisers

Values are more accurate than AVM

or BPO and available at the same price

point

ZDS has access to exterior photos of 20 million homes taken

2005-2008.

Values are more accurate than AVM or BPO but

available at the same price point. Local Licensed

Appraisers have greater credibility.

The RMBS buyer can know the value of each home

and the value trend going forward.

GIS Value Mapping and Indexing

6 Month Value Trend*

Conceptual Data Only. Value analysis has not been completed.

The Database Records Value Trends on a

Monthly Basis

Properties, or Neighborhoods can be

plotted on a map to show Value Trends

Value Indices can be more granular than Zip Code. They can

be broken down to actual competing market groups

(Homes with the same location, style, type and size attributes).

Overview of the Valuation Research Process

Appraiser-Backed Valuation Database

Local appraisers review and

CORRECT existing public data as

necessary.

ZDS has a photo database of historical images for 20 million homes and can mass

photo-shoot cities and neighborhoods if

necessary.

Output will be exactly what you need...matched

directly with your records.

We Are At Your Service

In Conclusion….

ZDS products are created by Certified Appraisers, unlike ALL other high volume products on the market today.

You can have you valuation supply chain backed by local licensed appraisers, at the same price point as AVM (Automated Value Models) and Broker Price Opinions.

ZDS is the ONLY appraisal organization capable of delivering millions of appraisals on pace for today`s lending, securitization, servicing, default, loan modification and risk review needs.

Thank-You for considering the future!