Corporate Overview

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Wingspan Portfolio

Advisors, LLC, was

founded in 2008 to

address an emerging

demand for special

and component

servicing in order

to meet the capacity

needs of an industry.

Meet Wingspan

Wingspan is an award-winning, diversified mortgage servicescompany, partnering with banks, investors, mortgage insurers,

and attorneys throughout the U.S. With multiple offices in Texas, California, Louisiana, Colorado, and Florida, Wingspan’s team

of experienced professionals provides a wide range of strategic services to assist the mortgage industry.

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A Few Highlights

Approximately 370,000 square feet of office space

in five locations

Locations include:Dallas, TX

Melbourne, FLMonroe, LA

Denver, COSan Diego, CA

Nearly 2,000 mortgage professionals on staff

or available Executive team experience at Fannie Mae, Freddie Mac,

Wells Fargo, JPMorgan Chase, Bank of America,

Castle Peak, First Franklin, Morgan Stanley, Saxon,

Washington Mutual, First American, LPS

and others

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Wingspan Provides Solutions

Wingspan is a mortgage services enterprise that provides a broad range of strategic services to our clients, which

include several of the top 5 financial institutions in the U.S. From loan modifications and foreclosure alternatives to special

servicing and enhanced borrower outreach, Wingspan offers a full suite of customized solutions.

“The New Normal”

Today’s “New Normal” environment

requires unprecedented

focus on compliance,

third-party oversight,

and true subject

matter expertise.

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• I nbound Customer Service Call Center

• Inbound Bank Branch Mortgage Inquiries

• Customer Email Mortgage Inquiries

• Outbound Escalation Support

CUSTOMER SERVICE CUSTOMER COMPLAINT ESCALATION AND

RESOLUTION

COLLECTIONS/RECOVERIES

BORROWER OUTREACH

LOAN MODIFICATION UNDERWRITING

Centers of Excellence

• Single Call Complaint Resolutions

• Researched-BasedEscalation Resolutions

• Analytics-Based Resolution Support

• Outbound Escalation Support

• Early Stage Collections

• Parallel SPOC Support

• 90+ Loss Mitigation

• 120+ Extended E� ort

• Compliance

• Investor Types

• Single Point of Contact

• Inbound BorrowerSupport

• Imminent Default Support

• Overfl ow Inbound Borrower Support

• Triage

• Underwriting

• Income Quali� Review

• Non-Income Review

• Compliance

• Investor Types

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CLAIMS MANAGEMENT FINANCE FORENSICS

AND REMEDIATION

LOAN REVIEW/

DUE DILIGENCE

LOSS MITIGATION –

SHORT SALE AND DIL

FORECLOSURE AND

BANKRUPTCYs

Centers of Excellence

• Preparation and Filing

• Monitoring

• Claim Reconciliation

• Denied Claims

• Reporting

• Define Population and Sample Size

• Develop “What If?” Scenarios and Outcomes

• Review Sample and Quali�/Quanti�

• Perform QA of Findings and Summarize

• Credit

• Collateral File Review

• Title/HOA

• Valuations

• Compliance/Fraud

• Investor Types

• Education-Focused Solicitation and Outreach

• Quality Controlled Document Fulfillment

• Skilled Negotiations

• Streamlined Title Facilitation

• Portfolio Surveillance

• Collateral Analysis

• Foreclosure and Bankruptcy

• Component REO

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“ I just want to thank you

for all of your help with

our loan modification.

It has been a pleasure

working with one person

instead of 100 people

who you have to explain

your situation to. I have

told so many people

about your help, and

hopefully you can help

many more people stay

in their homes.”

~ Loraine S., Homeowner,

Sept. 2011

• Customer-centric approach

• Single point of contact

• Innovative, proprietary technology

• Leadership team with more than 300 years of combined mortgage servicing experience

• Scalable operation supported by experienced mortgage professionals

• Accountability and transparency

• High impact, low cost solution

• Pay for performance model

• Rapid ramp up/ramp down capability

• Quality management department utilizes Lean Six Sigma and

ISO 9001 methodologies

The Wingspan Advantage

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• Named #23 on the Inc. 500 list of fastest-growing private companies; second year in a row on Inc. 500 list

• Awarded the 2009 and 2012 Mortgage Technology Servicer of the Year by SourceMedia

• Named #2 on the Dallas 100 list as one of North Texas’ fastest-growing companies for two years in a row

• Named one of the Top Tech-Savvy Lenders and Servicers by Mortgage Technology in 2012 and 2013

• Recognized by Inc. Magazine with a Hire Power Award as one of the top job

creators in the U.S. two years in a row

• Frisco Chamber of Commerce’s Entrepreneur of the Year

• Ernst & Young Entrepreneur of the Year Finalist

Awards and Honors

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Wingspan in the Industry

WINGSPAN SPONSORSHIPS INCLUDE:

Mortgage Bankers Association

The Five Star Institute

AmeriCatalyst

Texas Mortgage Bankers Association

California Mortgage Bankers Association

Women in Default Services

American Securitization Forum

WINGSPAN IS PROUD TO BE A SILVER SPONSOR OF

MBA’s National Secondary Market Conference & Expo 2014

~ PLAYBOOK ~MAY 18 - 21 • NEW YORK CITY

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Wingspan Gives Back

• Music Is Medicine

• Susan G. Komen Race for the Cure

• North Texas Food Bank

• Project HOPE Foundation

• National Kidney Foundation

• PFAMILY ARTS

• Military Warriors Support Foundation

• 9 -1-1 For Kids

• American Red Cross

• No Paws Left Behind

• Denton State SupportedLiving Center

Wingspan Gives BackWingspan Gives Back

Wingspan Presents

‘Heroes & Hope,” a Charity

Golf Tournament, VIP Movie

Screening and Private

Concert with

Wynonna Judd.

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Wingspan in the News

“Wingspan did not invent

the concept of special

servicing but it may

have come close

to perfecting it.”

~ Mortgage Banking Magazine

MEDIA RESULTS INCLUDE:

CNBC

Yahoo

The Wall Street Journal

The New York Times

Inc. Magazine

Mortgage News

Housing Wire

The Dallas Morning News

M Report

Mortgage Servicing News

Dallas Business Journal

Mortgage Banking

American Bankers

Mortgage Technology

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In 2013, Wingspan acquired Dimont & Associates, the leader in the hazard claims industry. Founded by attorney Bernie

Dimont in 1996, the wholly-owned Wingspan subsidiary has offices in Dallas, Texas, and San Diego, California.

Dimont & Associates carries the SSAE 16 Type II Certification and channels hazard claims for many of the nation’s leading

mortgage servicers and GSEs, achieving high recovery results for their clients.

Dimont & Associates

Bernie DimontFounder, Dimont & Associates

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Executive Bio

Steven HorneEntrepreneur of the Year,

Frisco, Texas,

Chamber of Commerce

~Ernst & Young

Entrepreneur of the Year

Finalist

Steven HorneFounder, CEO and President

As Founder, CEO and President of Wingspan Portfolio Advisors, Steven Horne brings a wealth of mortgage servicing experience to clients. He is a career-long expert in creating

and executing strategies to mitigate losses in real estate portfolios of all types, with a specialized concentration in managing the most challenging assets.

Horne has an impressive track record in his unique and highly specialized area, having pioneered a number of the concepts and strategies used in the Wingspan methodology for

converting defaulted loans into re-performing loans, saving borrowers and lenders alike from the lengthy and painful process of foreclosure.

Previously, Horne was director of servicing risk strategy with Fannie Mae where he restruc-tured the National Servicing Organization and redesigned servicer performance reporting

and legal services management. Prior to Fannie, he spent nine years as a partner with Sherman Financial Group and was executive vice president of Sherman’s servicing affiliate,

Resurgent Capital Services. At Sherman, he built three of the firm’s most successful business lines, including a unit that purchased and resolved portfolios of delinquent mortgage loans.

Before Sherman, Horne founded and was president of MSV, as well as director of default servicing for Ocwen Financial, RTC supervising attorney for numerous asset management

contractors, and an attorney with the Washington, DC law firm of Frank, Bernstein, Conaway & Goldman.

Horne holds a JD from George Washington University and Bachelor degrees in English and Economics from Emory University. He is admitted to the bar in Virginia, Maryland, and the

District of Columbia. Horne was recently named an Ernst & Young Entrepreneur of the Year finalist and named Entrepreneur of the Year by the Frisco Chamber of Commerce.

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Wingspan Senior Executives

Vik JainExecutive Vice President

Strategic Alliances

Bill RiversGeneral Counsel

Terry MitchellExecutive Vice President

Human Resources

Jason SpoonerExecutive Vice President

National Operations

Arleen ScavoneChief Operations Officer

Matthew R. CassellChief Financial Officer

Binni SkariahChief Information Officer

Steven HorneCEO and President

Susan PettemExecutive Vice President

Business Development

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Wingspan Sales and Marketing Executives

Eshna GhoshSenior Vice President

Business Development

Steve KuhnExecutive Vice President

Strategic Account Management

Stephanie MartynVice President

Marketing and Communications

John GuySenior Vice President

Business Development

Guy DavisSenior Vice President

Marketing, Communications and

Industry Relations

Robert ShillerSenior Vice President

Enhanced Servicing

Linda SimmonsExecutive Vice President

Business Development

Ryan LillySenior Vice President

Business Development

Steve ShillerSenior Vice President

Strategic Alliances

For more information, please visit www.WingspanPortfolioAdvisors.com.

Contact Susan Pettem, Executive Vice President, Business Development.

Susan.Pettem@WingspanAdvisors.com

214.254.2112