Mortgage Software November 15, 2009

→   Offers Industry`s First FCRA Compliant Mortgage Applicant and Property Risk Report—
CredStar, a leading credit information provider for credit unions and the mortgage lending industry and a member of the First American Family of Companies, today announced the availability of the ENCORE report from First American CREDCO. As an exclusive reseller, CredStar can now offer ENCORE – the industry’s only comprehensive consumer reporting solution that delivers FCRA-compliant risk analysis for all critical elements of the mortgage application and servicing processes – to its credit union and mortgage lending customer base. -- First American Credco,David Woodruff,Poway California  11/13/2009



→   Experian Introduces Products That Assist Lenders In Determining Consumers` `ability To Pay`
Income Insight(SM) and Income View(SM) enable lenders to assess a consumer's income in alignment with new lending requirements -- Experian Inc.,Kristine Snyder,   11/12/2009



→   Bankrate Releases 2009 Gift Card Study
New Bankrate.com Research Reveals Fees and Trends for 2009's Gift Card Season -- Bankrate.com,Chris Spagnuolo,New York   11/11/2009



→   Ecosphere Energy Services Closes $7.5 Million Financing With Fidelity National Financial
Ecosphere Energy Services LLC, EES, a majority owned subsidiary of Ecosphere Technologies, Inc. (OTC Bulletin Board: ESPH), announces today that it has closed a financing round of $7.5 million with Fidelity National Financial, Inc. FNF is a leading provider of title insurance, mortgage services, specialty insurance, claims management services and information services. FNF will own 19% of EES. -- Ecosphere Technologies, Inc.,Gerald Kieft,Stuart Fla.  11/10/2009



→   VALLIGENT TAKES AIM AT MORTGAGE INDUSTRY`S CRISIS OF CONFIDENCE
Property valuation experts reposition company to restore trust to mortgage lending process; new solutions, website and rebranding campaign unveiled -- Valligent,Rosalie Berg,Miami FL  11/10/2009



→   Wingspan Portfolio Advisors And American Legal & Financial Network Launch National Residential Receivership Program
Award-winning specialty servicer and national attorney network join forces to help lenders comply with foreclosure legislation -- Wingspan Portfolio Advisors,Marketing Department,Grand Prairie Tx  11/10/2009



→   Home Federal Bank Partners With Harland Financial Solutions Upgrades Banking Software To Phoenixefe(tm) System
PhoenixEFE(TM) System will improve efficiency and customer service. -- Home Federal Bank,Dawn Williams,Shreveport La.  11/09/2009



→   S&p Launches Global Data Solutions, Providing Financial Institutions With An Enterprise Solution Integrating Unique And Comprehensive Data Sets
Standard & Poor's Fixed Income Risk Management Services (FIRMS), an analytics and research unit separate from S&P's ratings business, today announced the launch of Standard & Poor's Global Data Solutions, a comprehensive, enterprise-level data feed solution that brings together a wide range of data and analytics to allow financial institutions to evaluate and monitor the financial instruments in their portfolios. For more information or to subscribe to Global Data Solutions, click here. -- Standard & Poor`s,Michael Privitera,New York   11/09/2009



→   The Agents Speak: Starring Benefits For The Broker, Courtesy Of Dotloop
DotLoop speaks to real estate agents in language they understand: Online. Fast. Efficient. Collaborative. Trustworthy, and credible. -- DotLoop,Andy Hemmer,Cincinnati   11/06/2009



→   Huntington`s `checkin` It Twice List` Can Help You Save Money This Holiday Season
Huntington Offers An Interactive Tool to Help You Manage Your Finances -- Huntington Bancshares,Maureen Brown,Columbus Ohio  11/06/2009



→   Digital Realty Trust, Inc. Receives Bbb Rating From Fitch Ratings
Digital Realty Trust, Inc. (NYSE:DLR) , the leading owner and manager of corporate and Internet gateway datacenter facilities, today announced that Fitch Ratings initiated credit ratings on the Company with a 'BBB' Issuer Default Rating ('IDR'). -- Digital Realty Trust, Inc.,Pamela Matthews,San Francisco   11/06/2009



→   Depotpoint Names Senior Financial Services Executive James G. Jones To Board Of Directors
- Default Technology Services Provider Enhances Mortgage Industry Leadership - -- DepotPoint, Inc.,Cary Brazeman,Seattle   11/05/2009



→   Dartappraisal.com Offers Complete Broker Solution For Fha Appraisal Compliance
Enhancements to DartExpress technology ensure mortgage brokers adhere to 2010 FHA appraiser independence requirements -- Dart Appraisal Services,Marko Berishaj,Troy Mich.  11/05/2009



→   Legislation Compliance Management Program Simplifies Regulatory Burden
Regulatory compliance consultancy R.I.S.C. Associates announces Legislation Compliance Manager(TM) (LCM), an automated legislation and compliance management program that helps mortgage servicers track and comply with new state and federal legislation. Following their success with Vendor Compliance Manager, an automated vendor management program for GLBA compliance, LCM simplifies the tracking, management and compliance with pending and passed legislation all within an intuitive, menu-driven system and centralized Management Dashboard. -- R.I.S.C. Associates,Mick Kless,Ocean N.j.  11/05/2009



→   Digital Realty Trust Acquires Two Fully Leased Datacenter Facilities In Silicon Valley
Acquisition expands Company's footprint by 185,000 square feet in top tier datacenter market -- Digital Realty Trust, Inc.,A. William Stein,San Francisco   11/04/2009



→   Amstar Responds To Surge In Homeowner Bankruptcies With New Cle Offering Bankruptcy Techniques As Foreclosure Defense Strategies
Deepening Economic Crisis Spurs Increased Activity for Attorneys Practicing Bankruptcy Law -- AmStar Litigation Support,Claudia Vitulich,Sarasota Fla.  11/04/2009



→   Lps Named A Top Financial Technology Provider In Fintech 100
Mortgage and Real Estate Technology Leader Earns Top-10 Ranking in First Year as an Independent Company -- Lender Processing Services,Parag Bhansali,Jacksonville Fla.  11/04/2009



→   Suntrust Selects Moneta For Secure Online Payment Option For Clients` Internet Purchases
SunTrust Banks, Inc. (NYSE:STI) and Moneta Corporation today announced that SunTrust has selected Moneta's online payment service to offer clients an additional payment option when they shop with select online retailers. The service is currently being provided free to select SunTrust clients as an initial pilot program. -- SunTrust Bank,Hugh Suhr,Atlanta   11/04/2009



→   ELLIE MAE RECOGNIZED AS FINALIST IN ELOQUA MARKETING AWARDS
Company recognized for email campaign that showcases the Encompass Community Resource Center, an online ‘virtual expert’ for maximizing the power of Encompass and Encompass360 -- Ellie Mae Inc.,Rosalie Berg,Pleasanton California  11/04/2009



→   Optical Image Technology Named 2009 Km Promise Award Finalist
Award Recognizes Companies with Innovative Technology Solutions for Business -- Optical Image Technology, Inc.,Laurel Sanders,State College Pa  11/04/2009



→   Free Mortgage Lead Promotion from the Lead Planet
National Sales Manager, Scott Deal said, "Free lead incentives help mortgage companies try out a new lead source." Deal continued, "When buying mortgage leads online avoid buying leads from a leads broker because you never know where the leads were generated and how many times they may have already been sold." Deal recommends verifying that you are dealing with the direct lead source with a company like Lead Planet. -- Mortgage Lead Planet Company,Lead Planet,San Diego California  11/03/2009



→   Unitedtech Lender Services Inc. Appoints Patrick Kopins As President Of Technology Subsidiary, Utls Technology Services
UnitedTech Lender Services Inc., holding company to UTLS Default Services and UTLS Technology, which provide end-to-end products and services to lenders and servicers across the United States, announced today that it has appointed Patrick Kopins as President of its technology subsidiary, UTLS Technology Services. -- UnitedTech Lender Services Inc.,Stephen Weaver,Orange County Calif.  10/30/2009



→   Stockholm-based Bonanza Education Expands Into U.s. Market
Swedish Solutions for Financial Literacy Arrive in the United States Providing Relief for Number Haters -- ,Matthew Wolf,Powell Ohio  10/30/2009



→   Sungard Named A Top Solutions Provider To Financial Services Industry In Fintech Rankings
SunGard has been named a preferred vendor to the financial services industry in the annual Financial Technology (FinTech) 100 Rankings, published by American Banker and Financial Insights, an IDC company. SunGard has consistently ranked in the top five since the inception of the award in 2003, placing second in this year's overall rankings. -- SunGard EXP,Adriana Senior,Wayne Pa.  10/29/2009



→   Retroappraisals.com`s `revised Appraisal` Is Attorney`s New Secret Weapon
Attorneys have a new tool in their arsenal to use in Loan Modification, Foreclosure Defense and Foreclosure Mediation. It is a Historical Revised Real Estate Appraisal which is completed in the usual manner on standard forms by a certified state licensed appraiser. What makes this appraisal different is that it estimates the market value of the subject property based on a past date - the date of the most recent financing of the property. The theory is that the financing was based upon a questionable appraisal which the lender approved without proper oversight. The Revised Appraisal looks back at the actual facts existing at the time and brings to light the real value of the subject property (on the past date) as opposed to the inflated value that was the basis for the loan. Attorneys are reporting successful outcomes in accelerating stalled cases and receiving significantly better offers when adding a Revised Appraisal to both new and existing files. -- Retro Appraisals LLC,Steven Greene,Delray Beach Fla.  10/29/2009



→   SKYLINE FINANCIAL IMPLEMENTS ELLIE MAE`S ENCOMPASS360
Direct lender provides warehouse lines and technology to enable its independent mortgage companies and originators to thrive in competitive, highly regulated market -- Ellie Mae Inc.,Rosalie Berg,Pleasanton California  10/28/2009