More Solutions, Better Business.

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1 Lender Services EXPAND YOUR CAPABILITIES For more than four decades, First American CREDCO has been delivering the most widely available and accepted credit reporting solution in the industry. Today, we offer a variety customized products for every business challenge, including credit information services, fraud management, emerging markets, and compliance solutions. #1 Choice Among Top Lenders Proven systems uptime Investor accepted Available on major industry platforms Responsive customer care More Solutions, Better Business. Solution-driven Products Lender Services from First American CREDCO provides the solution-driven products you need to expand your business opportunities, reduce the risk of mortgage fraud, and maximize your operational efficiencies. Plus, we offer world-class customer care and technical support to help you maximize our product solutions to your best business advantage. OBJECTIVE Determine traditional credit-worthiness of applicants Detailed analysis of information on an Instant Merge Fast, bureau-level updates of incorrect credit report information Non-traditional credit reporting, scoring, and more Protect your business, secure your data Reduce risk of potential fraud; Maintain compliance with federally mandated requirements Maintain compliance with FACT Act, CSD Notifications to consumers in connection with an application for a home loan Find new business opportunities Maximize efficiencies by outsourcing customer service and support Help clients understand their credit and facilitate resolution of credit discrepancies SOLUTION Instant Merge Instant Merge Upgrades Rapid ReCheck Anthem Suite Security & Disaster Recovery Fraud & Compliance Credit Score Disclosure Market Opportunity Report Call Center Services Consumer Assistance & Disputes Resolution For more information on our Lender Services, contact a First American CREDCO sales associate at (800) or visit us online at C

2 LENDER SERVICES Instant Merge The most widely accepted credit reporting solution First American CREDCO s Instant Merge is the most widely available and accepted merged credit reporting solution in the mortgage industry. Combining credit data from one, two or all three national credit bureaus into a convenient single report in a common format, it s an ideal fit for most lending situations. Utilizing our patented Merge Logic, Instant Merge allows you to get an accurate and balanced representation of your borrower s credit history. Only the most up-to-date tradeline information appears on the report, giving you a more complete picture of your client s credit history. Widely Available Available on more technology platforms than any other provider, our expansive connectivity makes it possible to access our Instant Merge credit reports from just about anywhere, easily and conveniently. Proven Systems Uptime Our proven systems uptime means you get access to the most innovative credit reporting solutions in the industry, reliably and with confidence. And combined with our world-class technical support, you can rely on trained, knowledgeable professionals to answer your questions and keep you connected for consistent and dependable data exchange. Portability Whether you re accessing or re-accessing credit information, First American CREDCO s wide range of connectivity portals makes data exchange smooth and efficient wherever you do business. PRODUCT Highlights Available on over 40 technology platforms Delivered in seconds via the Internet, desktop software, LOS or other customizable solution Detailed demographic information, current and historical tradeline details, and public records and inquiries Proven systems uptime World-class customer care and technical support Product add-ons and upgrades available for more thorough credit analysis For more information on Instant Merge, contact a First American CREDCO sales associate at (800) or visit us online at

3 LENDER SERVICES Instant Merge The most widely accepted credit reporting solution First American CREDCO also offers add-on products like Fair Isaac (FICO ), bankruptcy, credit and risk scores, and identity verification products to make Instant Merge an even more valuable decision tool. Score Options Alerts Additional Offerings FICO Scores Equifax Beacon 5.0 TransUnion FICO Classic 98 or 04 Experian FICO II or III Next Gen Scores Equifax Pinnacle 2.0 TransUnion FICO Risk Experian Advanced Risk Score 2.0 Vantage Score Equifax, TransUnion, Experian Bankruptcy Scores Equifax Bankruptcy Navigator Index 3.0 TransUnion Delphi Experian Bankruptcy Model Custom Models Instant Merge Warnings SSN Possible ITIN Possible Non-Applicant ECOA Code Variation Name Variation SSN Variation DOB Variation Significant SSN Variation Name And SSN Variation Name And Significant SSN Variation Address Variation Name, Address and SSN variation Fact Act Alerts 5th Score Factor Code Fraud Alert Present Security Alert Present Active Duty Alert Present Anthem Advisory Message Enhanced Decode Directory Consumer Score Disclosure Notice To Home Loan Applicant Fast Alert ProScan ID ProScan OFAC ProScan XL TransUnion High Risk Fraud Alert Experian Fraud Shield Equifax SafeScan Custom Sort

4 LENDER SERVICES Instant Merge Upgrades Product upgrades for a more thorough credit analysis First American CREDCO s Instant Merge, the most widely available and accepted merged credit reporting solution in the mortgage industry, offers a wide range of product upgrades to provide a more thorough credit analysis. Merge Plus Merge Plus is a supplemental report that provides details on one to three flagged items from the Instant Merge report. It saves you the time and expense of researching credit of borrowers who don t need a full RMCR. Business Credit Report Designed to help you understand your risk, the Business Credit Report presents a current, objective picture of how a business handles its financial obligations. It includes trade payment experiences, public record information, company background and comparative data. Builder Credit Report Our Builder Credit Report is a fully investigative report especially designed for construction lenders. Structured similarly to a Residential Mortgage Credit Report, it reviews contract and builder information, including supplier, subcontractor, banking and client references. Mortgage Credit Report The Mortgage Credit Report, also known as Verification of Mortgage (VOM), is documentation of a borrower's mortgage payment history that is often required when applying for a loan. It s used to verify existing mortgage balances and monthly payments, and to check for any late payments on the account. Residential Mortgage Credit Report First American CREDCO s RMCR is our most comprehensive and complete credit solution. Meeting or exceeding Fannie Mae, Freddie Mac, HUD and industry standards, it s the ideal report for complex credit histories that require verification of four or more items. Our RMCR includes information going back two to seven years for both the borrower and coborrower PRODUCT Highlights Upgrades available when you require additional investigative items on an Instant Merge report Search open balances, accounts in disputes, and more Verify existing mortgage balances and monthly payments Access credit information on complex credit histories Historical credit information going back up to seven years on borrower and coborrower For more information on Instant Merge Upgrades, contact a First American CREDCO sales associate at (800) or visit us online at

5 LENDER SERVICES Rapid ReCheck Expedited bureau-level updates Rapid ReCheck, an innovative service offered by First American CREDCO, speeds up the bureau-level update process. Rapid ReCheck provides fast, permanent updating of national repository records and an updated FICO score so you can respond faster with the right loan products for your clients. Fast, Bureau Level Updates When you obtain your client s original source documentation from the credit grantor, simply forward it to First American CREDCO for validation by our credit specialists. Once validated, it will be forwarded to the appropriate credit bureau(s) and processed within three to five business days. Score Updates When the update request has been completed, your client s credit report will be re-pulled for verification. The new file can then be forwarded directly to you, or accessed conveniently online 24/7. Rapid ReCheck will result in a recalculated FICO score. The score will reflect all of the updated information in the bureau s file. Score Factors Our Instant Merge summary page includes four score factor codes provided in order of importance that can be used to evaluate possible rescoring opportunities. The information can be used when ordering a Rapid ReCheck to get the best results for your client. PRODUCT Highlights Approve more loans by addressing inaccurate, incomplete or outdated credit reports Updates available in 3 to 5 days Fast, permanent updating of repository records Delivers recalculated FICO scores Reports sent directly to you, or accessed conveniently online For more information on Rapid ReCheck, contact a First American CREDCO sales associate at (800) or visit us online at C

6 LENDER SERVICES Anthem Suite Assisting Non-traditional Homebuyers in Emerging Markets Over the next decade, a projected 60% of first-time home purchases in the United States will be made by those who fall into traditionally underserved markets. Many of these consumers have little or no traditional credit, but are credit worthy. Now with Anthem, First American CREDCO s suite of alternative credit services, you can originate any non-traditional loan and help more homebuyers fulfill the American dream. Credit-Building Solution The Anthem Suite is an enhanced set of credit-building tools designed to broaden your business opportunities, reduce the risk of mortgage fraud, and help more Americans become homeowners. And because Anthem is universally accepted wherever non-traditional credit data is honored, you can close more non-traditional loans more conveniently than ever. Anthem Suite of Services Instant Merge: Tri-merge credit reporting solution: The first step in an Anthem Report Rapid ReCheck: Fast, bureau-level updates of incorrect credit report information Anthem Report: Non-traditional credit report Anthem Score: Non-traditional credit score Advisory for Anthem: Notification of applicants who do not have adequate traditional credit Anthem Performance: Automatic data basing and customized analysis of non-traditional credit data ITIN Notification: Automatic notification when an ITIN is present Consumer Assistance: Assistance for applicants to understand their credit reports Consumer Disputes: Applicant resources for disputing credit report errors PRODUCT Highlights Expand your business opportunities and satisfy needs of underserved markets Widely accepted wherever non-traditional credit data is honored Reduce your risk with efficient and reliable tools that exceed secondary market standards Alleviate labor-intensive process of gathering and validating non-traditional credit information First American CREDCO is the only company that allows the use of an ITIN International credit reporting available For more information on our Anthem Suite of Services, contact a First American CREDCO sales associate at (800) or visit us online at

7 LENDER SERVICES Market Opportunity Report Uncover potential business growth opportunities First American CREDCO s Market Opportunity Report helps uncover business opportunities you might not find through traditional underwriting practices. The report, which provides an analysis on your loan production volume, can help you identify additional business you could be getting from consumers with little or no credit history (thin-file consumers). It s Your Business. Expand it. Using proven search logic capabilities, we ll analyze your customer data to identify applicants that could qualify for Anthem, First American CREDCO s suite of alternative credit services. Anthem lets you originate any non-traditional loan so you can help more homebuyers fulfill the American dream. Determine market opportunities to expand your business Identify potential production lift in approved applications Build a competitive advantage into your process Consultative Analysis Our personalized, consultative approach helps you understand critical findings and, more importantly, what they mean so you can identify and maximize new business opportunities. We ll also provide critical insight into mortgage loan applicant data such as consumer behavior, demographics and market trends to support your loan origination and underwriting objectives. For more information on the Market Opportunity Report, contact a First American CREDCO sales associate at (800) or visit us online at PRODUCT Highlights Uncover opportunities not found through traditional underwriting processes Gain a broader, more thorough understanding of your customer base Get critical insight into mortgage loan application data Help more homebuyers fulfill the American Dream Provides a competitive advantage for your business Personalized, consultative analysis C

8 LENDER SERVICES Security & Disaster Recovery Protecting your business, and your reputation At First American CREDCO, data security and disaster recovery is consistently one of our highest priorities. It s why 9 out of the nation s top 10 lenders choose and trust First American CREDCO when it comes to safeguarding the integrity of consumer data. WHY TRUST YOUR BUSINESS WITH FIRST AMERICAN CREDCO? The Risk is Real It only takes one headline to ruin your reputation, and potentially cost you millions. Identity theft and security breaches hurt everyone: your business, our company and, more importantly, your customers. Focusing on data security and disaster recovery to protect consumer information isn t just good business, it s our obligation to you and the consumers you serve. Proven Systems Uptime First American CREDCO maintains the industry s only on-site and off-site hot backup and disaster recovery systems and capabilities. That means we have a proven systems uptime that ensures a seamless and uninterrupted transfer of the credit information you need, when you need it. And should your LOS system fail or become unavailable, you can always access credit information and other First American CREDCO products directly from our Web-based portal 24/7. FCRA-Certified Customer Care We ve built our reputation on consistently delivering extraordinary customer care and technical support. Our team of FCRA-certified customer care specialists is dedicated to ensuring that our product offerings are optimized to your best business advantage. Combined with our world-class technical support, you can rely on trained, knowledgeable professionals to answer your questions and keep you connected for consistent and dependable data exchange. PRODUCT Highlights 9 out of the nation s top 10 lenders choose First American CREDCO Consumer credit information delivered conveniently, in seconds FCRA-certified, industry-trained customer care and world-class technical support Industry s only hot redundant back up site Proven systems uptime Dedicated Web-based portal available as a primary point of access, or as a backup to lender origination systems For more information on Security and Disaster Recovery, contact a First American CREDCO sales associate at (800) or visit us online at

9 LENDER SERVICES Fraud & Compliance Fraud Protection and Compliance Solutions When you require the most reliable fraud protection and compliance tools in the industry, First American CREDCO has the product solutions you need. Our Fraud and Compliance Solutions help you detect the risk of identity theft and fraud and adhere to federally mandated compliance requirements throughout the loan cycle. ProScan ID Applicant ID Verification ProScan ID provides a convenient, automated means to help you meet compliance requirements for the Customer Identification Program (CIP) and Red Flags Rule by verifying the accuracy of your applicant s Social Security Number (SSN), name and address. Beyond standard alert products, ProScan ID delivers optimum best match results based on advanced logic and filtering algorithms. ProScan OFAC Applicant Identity Screening Solution ProScan OFAC helps to ensure that your business doesn t unknowingly aid in terrorist financing. Specifically, it s a quick and easy way to help your business comply with the federally mandated Office of Foreign Assets Control (OFAC) compliance requirements. ProScan OFAC is an integral part of Customer Identification Program (CIP) compliance. ProScan XL Comprehensive Applicant ID Screening Solution ProScan XL helps financial institutions and mortgage professionals comply with the Office of Foreign Assets Control (OFAC), Bank Secrecy Act (BSA) and the USA PATRIOT Act. This customizable solution lets you check applicants against more than 25 domestic and international lists of known or suspected terrorists and money launderers, and returns easy-to-read results with next step compliance information when a match is found. Search groups and watch lists include OFAC, Homefront, PEPS and Extended. PRODUCT Highlights Reduce your risk by identifying potential fraud before it actually occurs Help mitigate your repurchase, default and delinquency costs Helps you maintain compliance with CIP and Red Flags Rule Easily integrated into your current LOS and other systems Ensure professional requirements are satisfied C

10 LENDER SERVICES Fraud & Compliance Fraud Protection and Compliance Solutions ProScan IQ Reliable Fraud Analysis on Loan Application Based on your actual customer loan application data, ProScan IQ is a monthly aggregated report that can help you identify trends in fraud, and mitigate potential risk. We use proven search logic capabilities to analyze your applicant information, identify those that pose a potential risk for mortgage fraud, and present findings in an easy-to-read summary report. Tax Return Verification Income Verification Solution Our Tax Return Verification service provides a simple, reliable way to validate applicant income information within hours. The result is an easy-to-read report with an actual IRS transcript that includes all schedules. An confirmation includes an Internet link, which provides a convenient way to view, download and print your report. Up to nine distinct lines of tax return data can be provided, dating back three years. Professional Screening Professional Certification and Auditing Services Professional Screening services provide an easy, customizable solution for ensuring compliance requirements for your new and existing brokers, appraisers, agents, net branch and other real estate professionals. Our screening specialists collect and verify licensing, agency approvals, business, banking, and insurance references on all your applicants. Civil, federal and criminal background checks are also offered as a stand-alone service, or as part of a total screening solution. Red Flag Solution Compliance Tools For New Regulations As a cornerstone of your compliance strategy, our Red Flag Solution combines several powerful information tools to help satisfy your obligations under the new Red Flags Rule quickly and easily. Key components of our Red Flag Solution include. Fraud Analysis: Provides a window into the quality of loan application data coming in through one or more of your origination channels. Identity Verification: Helps you quickly confirm your borrower s identity with an easy-to-interpret text-based verification. Credit Reporting Services: Offers a convenient prequalification tool that provides FACT Act fraud alerts. For more information on Fraud and Compliance Solutions, contact a First American CREDCO sales associate at (800) or visit us online at C

11 LENDER SERVICES Credit Score Disclosures Consumer Notification Compliance Solutions First American CREDCO makes it easy to comply with federally mandated consumer notifications. Our Credit Score Disclosures and Notice to Home Loan Applicants are FACT Act compliant, and can be automatically generated with every Instant Merge report. Credit Score Disclosures To help you maintain compliance with the Fair and Accurate Credit Transaction Act (FACT Act), First American CREDCO provides a Credit Score Disclosure (CSD) to consumers in connection with an application for a home loan. The CSD discloses the credit score, the lender used in connection with the consumer s loan application and home loan, and the key factors affecting the credit score. It contains contact information for each credit reporting agency used, including the agency name, telephone number and Web site. Notice to Home Loan Applicants Additionally, and in accordance with the FACT Act, First American CREDCO provides a Notice to Home Loan Applicants which explains to the consumer what the CSD is and why they re getting it. CSD Mailing Services To help you comply with consumer notification requirements, we offer a turnkey fulfillment and mailing solution that automatically generates and mails a CSD and Notice to Home Loan Applicant to your consumers with each Instant Merge report ordered. With daily and flexible mailing turnaround times, our cost-effective fulfillment service ensures that your clients are properly notified as required by the FACT Act. PRODUCT Highlights Maintain compliance with the Fair and Accurate Credit Transaction Act (FACT Act) Credit Score Disclosures and Notice to Home Loan Applicants Automatically generate notifications with every Instant Merge report CSD fulfillment options available electronic and mail Daily and flexible fulfillment turnaround times For more information on Consumer Notification Solutions, contact a First American CREDCO sales associate at (800) or visit us online at C

12 LENDER SERVICES Call Center Services Turnkey Customer Service and Support For more than four decades, the success of our expanding line of consumer information solutions has been driven by innovation, technology and world-class customer service and support. Today, you can put our customer service expertise to work with First American CREDCO s turnkey Call Center Services. Call Center Services With onshore and offshore operations, we provide a scalable customer service solution with full management services designed to meet or exceed your specific call center needs, including: Private label services Rapid set-up, staffing and management Inbound and outbound services Turnkey or a-la-carte options Onsite training staff Customer Care Specialists When you outsource your call center needs with First American CREDCO, your customers can count on getting superior service and support from industry-trained, FCRA-certified professionals. Our customer care teams are dedicated to supporting your overall service goals, seamlessly and efficiently. Customizable Solutions First American CREDCO s Call Center Services offer customized short term and permanent outsourcing solutions, everything you need to streamline your operations and maximize efficiencies. Outsourcing your call center needs can save your business time and money, while ensuring that your valued customers receive superior service and support. PRODUCT Highlights Business-to-business and consumer call center services Transaction tracking and reporting Seamless integration into your business model Onshore and offshore operations Scalable with full management services Additional outsourcing services available, such as applicant rescoring and reissue, broker and appraiser certification, and auditing For more information on Call Center Services, contact a First American CREDCO sales associate at (800) or visit us online at

13 CONSUMER SERVICES Consumer Services Consumer Assistance Understanding credit and how it affects consumer choices is critical, particularly when it comes to home buying. That s why we have a team of credit professionals dedicated to helping consumers take control of their credit and improve their overall credit health. Our Consumer Assistance Services is available to all First American CREDCO customers to help them better understand what is in their credit reports and how it impacts them. We can even make recommendations to assist them with strategies for establishing and improving their credit history. Consumer Disputes Resolution When you order credit information from First American CREDCO, your clients get free access to our convenient, toll-free consumer disputes service. With just one call, our FCRA-certified specialists will work hand-in-hand with your clients to resolve any discrepancies with the national credit bureaus. As a single contact point, our Consumer Disputes Resolution service makes the often complicated and time-consuming credit dispute process easier for your clients, and you. One-call Dispute Resolution DISPUTE INVESTIGATIONS We investigate tradelines by working directly with the credit bureaus. CONSUMER INTERACTION We actively communicate the results of our investigative process to the consumer. BUREAU COMMUNICATION Our Consumer Disputes team works with the bureaus on the consumer s behalf to update incorrect data. FCRA COMPLIANCE First American CREDCO strictly adheres to the guidelines set by the FCRA regarding timeframes, forms and procedures. With proper guidance and education, consumers can feel empowered to move ahead in their dream to achieve homeownership. Home Buyers Credit Education First American CREDCO offers a free online educational site dedicated to helping consumers understand and build the credit they deserve. Online Resources CREDCO.com/CreditEducation: What is credit? Home buying guide Credit challenges Credit issues to consider Checking your credit Questions Contact First American CREDCO today! Call: [email protected] Visit:

14 EXPERT CUSTOMER CARE Consumer Assistance and Disputes Resolution At First American CREDCO, our number one goal is to help consumers establish or gain control over their financial health so that they re afforded opportunities to achieve the dream of homeownership. To help make this possible, we offer free Consumer Assistance and Disputes Resolution services to all clients of First American CREDCO customers. Provides one-call dispute resolution Helps consumers understand their credit scores and interpret their credit report Provides education on the importance of establishing and maintaining good credit, and monitoring credit profiles Teaches how to build a non-traditional credit history Protects against identity theft and common scams Bi-lingual support fluent Spanish-speaking Customer Care Specialists available OUR COMMITMENT TO YOU, AND YOUR CLIENTS Every American deserves the opportunity to achieve the dream of homeownership. At First American CREDCO, we create those opportunities for everyone. That s why we offer educational tools and resources dedicated to providing homeownership opportunities for traditionally underserved consumers. Consumer Assistance and Disputes Resolution services are available to all consumers who access their credit report from First American CREDCO or to any loan applicant working with a First American CREDCO mortgage professional. Consumer Services Consumer Assistance and Disputes Resolution First American Way Poway, California Phone:

15 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 Prepared For: Prepared By: Instant Merge Sample Report Client Loan # : B First American CREDCO Requested : EFX, XPN, TUC-J First American Way Account # : 7XX First American Way Delivered : EFX, XPN, TUC Poway, CA Notes : 9210 Poway, CA Attention: John IM Sample Tel: (800) Fax: (800) URL: Name SAMPLE, STEVE SAMPLE, SHARON Address Current: Previous: Current: Previous: APPLICANT INFORMATION 4536 FIRST AMERICAN AVE, TESTSITE, CA 9XX EAGLE ROAD, TOMORROW, OR 995XX 4536 FIRST AMERICAN AVE, TESTSITE, CA 9XX EAGLE ROAD, TOMORROW, OR 995XX Address Type OWN RENT OWN RENT SSN DOB or Age Applicant Identifier WARNING POSSIBLE NON-APP INFORMATION PRESENT IN THE REPORT FRAUD ALERT, ACTIVE DUTY ALERT PRESENT SSN POSSIBLE ITIN INSTANT MERGE CREDIT SUMMARY ACCOUNT DISTRIBUTION CURRENT STATUS (Tradelines) Account Type Number Payments Current Closed Unrt Real Estate 2 $177,245 $1, Installment 1 $8,985 $ Revolving 3 $1,738 $ All Other Accounts 1 $130 $ Total 7 $188,098 $2, AVAILABLE CREDIT Revolving 31% $765 INQUIRIES PUBLIC RECORDS HISTORICAL DELINQUENCIES (COUNT) 6 Month Total 5 EFX 1 Account Type Last Dlq Elim. same day 1 XPN N/A Real Estate 09/ Adjusted Total 4 TUC 1 Installment New Trades (6 mos) 0 Last 2 yrs N/A Revolving 08/ All Other Accounts 08/ Oldest Trade: 03/98 On file: 12/91 Total Disclaimer: Only Applicant(s) information included in the Summary. Item # Product Score DATA SOURCES SCORE INFORMATION Factor Information Applicant Identifier 1 BEACON 5.0 Factor: 00024, 00031, 00008, EFX NO RECENT REVOLVING BALANCES TOO FEW ACCOUNTS WITH RECENT PAYMENT INFORMATION TOO MANY INQUIRIES LAST 12 MONTHS LEVEL OF DELINQUENCY ON ACCOUNTS * Number of Inquiries Adversely Affected the Score 2 BEACON 5.0 Not provided by the repository EFX Page 1 of 7

16 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 Item # Product Score DATA SOURCES SCORE INFORMATION Factor Information Applicant Identifier 3 FICO-II Factor: 28, 07, 24, 32 XPN NUMBER OF ESTABLISHED ACCOUNTS 07 ACCOUNT PAYMENT HISTORY IS TOO NEW TO RATE 24 NO RECENT REVOLVING BALANCES 32 LACK OF RECENT INSTALLMENT LOAN INFORMATION 4 FICO-II Not provided by the repository EFX 5 FICO Classic 04 Not provided by the repository TUC 6 FICO Classic 04 Factor: 002, 010, 018, 012 TUC LEVEL OF DELINQUENCY ON ACCOUNTS 010 PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACOCUNTS 018 NUMBER OF ACCOUNTS WITH DELINQUENCY 012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED * Number of Inquiries Adversely Affected the Score I Credit Grantor T E Account Number M # Category/Terms Remarks 1 COUNTRYWIDE HOME LOANS REAL ESTATE MORTGAGE CREDIT HISTORY Joint Accounts Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status M-1 CURRENT Activity: PYMT Pymt Hist: Addt l Dates: LACT Monthly Group Total 1 Accounts I Credit Grantor T E Account Number M # Category/Terms Remarks 2 WFS FINANCIAL CREDIT HISTORY Accounts under Applicant 1 Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status I CURRENT AUTO LOAN 60 MON Activity: PYMT AUTO LOAN Pymt Hist: AMERICAN EXPRESS XXXXXXXXXXXX4891 Group Total Activity: PYMT Pymt Hist: Monthly R-1 CURRENT Accounts Page 2 of 7 Subscriber Info EFX 180XX00931 XPN TUC Subscriber Info EFX XPN FXX TUC EFX XPN 7400XX0NZ ECOA Appl. Ident. J ECOA Appl. Ident. I I

17 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 I Credit Grantor T E Account Number M # Category/Terms Remarks 4 DISCOVER FINANCIAL SVC CREDIT HISTORY Accounts under Applicant 2 Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status R-1 CURRENT Activity: PYMT Pymt Hist: Addt l Dates: LACT 04-06; PYMT Group Total Monthly 1 Accounts I Credit Grantor T E Account Number M # Category/Terms Remarks 5 GMAC 445Ac86325 CREDIT HISTORY Possible Non-Applicant Accounts Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status I CURRENT Pymt Hist: Addt l Dates: LACT Monthly Group Total 1 Accounts Subscriber Info EFX 15XXB XPN TUC Subscriber Info EFX F53016XX2 ECOA Appl. Ident. I ECOA Appl. Ident. I APP ID5 DEROGATORY ITEMS I Credit Grantor T E Account Number M # Category/Terms Remarks 6 BANK OF AMERICA MORTGAGE HOME EQUITY LOAN CREDIT HISTORY Joint Accounts Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status M-2 DEL Activity: PYMT Delinquency Pymt Hist: MOP Date Amount Lates: 1X60: 11-04; 9X30: 06-06, 05-06, 12-05, Max , 09-05, 06-05, 02-05, 10-04, Last Page 3 of 7 Subscriber Info EFX XPN FPXX86040 TUC ECOA Appl. Ident. J

18 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 I Credit Grantor T E Account Number M # Category/Terms Remarks 7 CHEVRON U S A CREDIT HISTORY Joint Accounts Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status R-5 CLOSED 0 DEL ACCT SUBMITTED TO COLLECTION; Activity: CLSD Delinquency PAID COLL Pymt Hist: MOP Date Amount CREDIT CARD Lates: 2X90: 06-06,05-06; 2X60: 02-06, 01-06; Max X30: Last GRANT & WEBER Y N/A COLL/P&L G800CAL CN: CALIFORNIA PACIFIC Activity: PYMT Delinquency ACCT SUBMITTED TO COLLECTION Pymt Hist: MOP Date Amount COLL Max 9 Last 9 Group Total Monthly 3 Accounts I Credit Grantor T E Account Number M # Category/Terms Remarks 9 FNANB/CIRCUIT CITY CREDIT HISTORY Accounts under Applicant 1 Date Credit Present Status Historical Status Rptd Highest Account Type Times Past Due Monthly MOP Open Limit MR Status R CURRENT REFER TO CONSUMER STATEMENT 1 Activity: PYMT Delinquency CREDIT CARD Pymt Hist: MOP Date Amount Lates: 2X90+: 05-05, 04-05; 1X60: 03-05; Max X30: 02-05, Last Addt l Dates: LACT 05-05; PYMT 12-04;TRAN 03-03; RFIN 03-04; CHRG 08-02; RPOS 01-05; BKPY 11-03; CLSD 12-02; BLON Group Total Monthly 1 Accounts Subscriber Info EFX 9060C0024 XPN TUC XPN YC Subscriber Info ECOA Appl. Ident. S S EFX 401HZ00615 I XPN ECOA Appl. Ident. Page 4 of 7

19 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 Item # PUBLIC RECORDS Bankruptcy Public Record Information Public Records may contain duplicate information. This report displays all information reported by the repositories accessed. Public Record Description Court Name 1 CH 7 BANKRUPTCY FILED JOINTLY FEDERAL DISTRIC COURT (LOS ANGELES, CA) Docket Number: Status: DISCHARGED Dates Dollars ($) Filed Amt/Liabilities Reported Assets Subscriber Satisfied Exempt Info Verified EFX 155VF00015 TUC ECOA Applicant Identifier J END DEROGATORY ITEMS IDENTIFICATION INFORMATION Item # Name SSN Date of File Start Birth Date Applicant Identifier 1 SAMPLE, STEVE EFX 2 SAMPLE, STEVE XPN 3 SAMPLE, STEVE TUC 4 SAMPLE, SHARON TUC 5 SAMPLE, STEFAN TUC APP3 POSSIBLE NON APPLICANT INQUIRIES MADE IN LAST 6 MONTHS Item # Inquiry Made By Dates - Applicant Inquiry Subscriber Info Identifier Trade 1 FAC TEST TUC-082XX891Z 2 NORWEST-RELS XPN-397XX65FR 3 AMERICAN EXPRESS TRADE XPN-7400XX0NZ VENGROFF WILLIAMS & AS XPN-19XX062YC 5 LENDERS CRDT TUC-071XX157Z ADDRESS INFORMATION Item # Address Address Type Since FIRST AMERICAN AVE TESTSITE, CA 9XX EAGLE ROAD TOMORROW, OR 995XX AKA INFORMATION Date Reported Applicant Identifier CURRENT EFX CURRENT TUC Item # Names Applicant Identifier 1 SAMPLE, STEVE P XPN 2 SAMPLE, SHARON J XPN Page 5 of 7

20 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 EMPLOYMENT INFORMATION Item Employer Occupation Status Earnings Dates # Address Hired Reported 1 BERLIN TIRE UNKNOWN $1000 Bi-monthly ACME FINANCE VICE PRESIDENT Current TESTVILLE, CA EFX XPN Applicant Identifier MISCELLANEOUS INFORMATION Item # Miscellaneous Text Text Type Date Applicant Reported Identifier 1 Consumer has Active Duty Alert Active Duty XPN 2 Consumer has Extended Fraud Alert Fraud Alert TUC 3 Variation between Inquiry and Onfile address. TUC CONSUMER STATEMENT Item # Consumer Statement Date Applicant Reported Identifier 1 ACTIVE DUTY ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT EFX FILE. 123 EAGLE ROAD, TOMORROW, OR DAYTIME EVENING FRAUD VICTIM. EXTENDED ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON EFX THEIR CREDIT FILE. PAGER ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY XPN APP3 ID5 Decode Item # Creditor Contact Method Phone/By Mail Only 1 AMERICAN EXPRESS BANK OF AMERICA MORTGAGE By Mail Only 3 CHEVRON U S A COUTRYWIDE HOME LOANS By Mail Only 5 DISCOVER FINANCIAL SVC FNANB/CIRCUIT CITY By Mail Only 7 GMAC GRANT & WEBER WFS FINANACIAL INC DECODE DIRECTORY Address PO Box Ft Lauderdale, FL N Tryon St Charlotte, NC PO Box 5010 Concord, CA Park Granada Calabasas, CA PO Box Salt Lake City, UT PO Box Kennesaw, GA W 80th St, Ste 300 Bloomington, MN West Agoura Rd Calabasas, CA PO Box Santa Ana, CA Subscriber Info XPN-7400XX0NZ XPN-FPXX86040 EFX-9060C0024 EFX-180XX00931 EFX-15XXB03747 EFX-401HZ00615 EFX-F530169XX2 XPN-YC XPN-FXX Applicant Identifier APP3 ID5 Page 6 of 7

21 Instant Merge Credit Report Ref #: /05/2006 TID #: /05/ :36:20 FRAUD VERIFICATION INFORMATION Product Fraud Message Item # SAFESCAN 1 SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE; SSN ISSUED 1969 IN HI 2 Not provided by the repository. HRFA 1 Not provided by the repository. 2 AVAILABLE AND CLEAR 3 SUB-SEGMENT DATA ONLY; SINCE THE SSN HAS BEEN USED 3 TIMES IN OTHER INQUIRIES EFX TUC Applicant Identifier APP3 ID 5 DATA SOURCE CONTACTS Name Address Telephone Website EFX EQUIFAX INFORMATION SVCS PO BOX ATLANTA, GA XPN EXPERIAN PO BOX 2002 ALLEN, TX TUC TRANSUNION PO BOX FULLERTON, CA ERROR INFORMATION (800) (888) (800) Applicant Item # Error Message(s) Error Codes Identifier 1 TUC DATA UNAVAILABLE E021, E160 TUC DISCLOSURE This report contains information supplied by the repositories named above. Its contents have not been verified by First American CREDCO and may contain duplicate information. While this report is being used for some real estate lending purposes, it is not a Residential Mortgage Credit Report as defined by FNMA, FHLMC, and FHA/VA guidelines. End of Instant Merge Report

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