Information Network is a full-service mortgage credit reporting agency providing financial products and services nationally. We are experts in the field of credit reporting technology and have been developing credit retrieval and merge software since 1994. With the development of WinMerge.net™, WM Decision™ and e-folder™ technology, we are at the cutting edge of credit reporting automation. Our combined staff has decades of credit reporting, real estate, lending and information systems experience to assist you with all your Credit Reporting needs. Information Network provides three distinct cutting edge technologies, WinMerge™, WM Decision™ and e-folder™. WinMerge.net™- Credit Reporting System WinMerge.net provides lenders national access to credit reporting, utilizing an internet application with the highest security standards and has been approved by Experian, Equifax, Trans Union and ICSA.net as a secure site. WinMerge.net Benefits™ Incrementally access bureaus without re-pulling credit Re-merge/merge-off bureaus or scores Add Co-borrower without re-accessing borrowers credit Merge off borrower / Co-borrower, Switch Primary / Co-borrower Make your supplement, RMCR, & Streamline requests on-line Check file status, view and re-print completed work on Supps, RMCR's on-line On-line Creditor Listing Check current billing activity Automated Calif. consumer score disclosure letter Easy to read format on credit reports Seamless interface to your loan origination system

WM Decision™- Loan PreQual System An automated Loan pre-qualification filter to assist loan officers with pre-qualifying borrowers in 30 seconds or less. This product is a popular choice for consumer web sites and call centers where consumers are on the phone and in the buying mode. WM Decision™ can be private labeled to work with existing web sites giving consumers 24/7 access to loan options. Consumers fill out a mini application then credit is accessed and matched against each of the loan program guidelines to determine which lender and loan program the borrower has been pre-qualified for. WM Decision™ delivers much more than a credit score. All the elements of a consumer’s credit report (1, 2 or 3 bureaus) and application information is combined in delivering a pre-qualification decision and can be seamlessly interfaced with your loan origination system. Our extensive “Rules Editor” is so user friendly that a clerical level person can enter, change, maintain and update your rules with a few mouse or key strokes. The system allows for an infinite number of lenders and loan program guidelines. Benefits of WM Decision™ Wholesale lenders can offer the WM Decision™ service to their agent/broker network Save time and money training new loan officers Hire clerical level employees to process the decisions Reduce errors and mistakes by using automation.

e-folder™ Vendor Management System Our financial services vendor management application provides a variety of financial products that can be ordered seamlessly via the internet. Lenders and brokers order all vendor products without re-keying common borrower information and can access, update and store all their vendor products in one electronic folder allowing financial institutions to have access to all their vendor products from one centralized location. The system will track status of order and delivery dates of the vendor products and allow you to view and print all of your products from the e-folder™ application. We offer the following products and add new products according to the needs of our customers. Credit Decisioning Flood Certificates AVM Appraisals Document Prep Title Escrow/Settlement Tax Verification Service Vendor List

Credit Agency Services Merged Credit Reports Receive 1, 2 or 3 bureau merged credit reports within 15 seconds, add 5 seconds for a pre-qualification decision. Reports can be upgraded to an RMCR and liabilities can be exported to your LOS system. Residential Mortgage Credit Reports(RMCR's) Emphasis is placed on meeting our 24 –hour time frame commitment and consistently producing quality original credit reports (which minimizes the need for supplements.) Delivery is electronic on an as-soon-as-ready-basis. Supplements We handle supplements with a mortgage bankers sense of urgency. To help you expedite your loan closings, supplements for merged preview reports are prepared promptly at the lender's request. Business Credit Reports We provide Business Credit Reports on Corporations, Partnerships and Sole Proprietorships. Fannie Mae Desktop Originator/Underwriter™ Information Network can provide you with all your Fannie Mae needs and can be found on the Fannie Mae drop down list of credit agencies. Freddie Mac Loan Prospector We provide credit reports through Freddie Mac’s Loan Prospector(SM) and export to your Loan Origination System. *(Desktop Originator, Desktop Underwriter and Mornet are Trademarks of Fannie Mae) *(Loan Prospector is a service mark of Freddie Mac) Programming and Technical Support Information Network being a software developer as well as a credit agency, has experienced programmers and technical support staff, enabling us to deliver custom software solutions and support to our lending clients. Whether you need a custom interface, your own business-rules-based credit ordering, unique zip code table, re-merge and bureau scaling capability, or other custom software solution, our organization is structured to meet your technology needs.