Interthinx™ Expands Collateral Risk Product Suite; New Automated Decision Support Tool Ensures Accurate Collateral Valuation

Business Wire, July 12, 2006

AGOURA HILLS, Calif. -- Interthinx(TM), the leading provider of comprehensive mortgage fraud prevention, compliance and decision support tools for the mortgage industry and an ISO business, is now bolstering its comprehensive collateral risk solution. Interthinx has once again delivered a best-in-breed solution to the industry by combining ValVerify(SM), the industry leading service for determining the propensity for collateral misrepresentation and fraud, and its latest offering, Clear Value(SM) AVM. Clear Value AVM is a new automated decision support tool that allows lenders and investors to utilize the most appropriate valuation report based on factors dictated by lender/investor policies.

"Your company's decision criteria and credit policy can be integrated into the Clear Value system, ensuring the best-fit AVM for each residential property queried," stated Mike Zwerner, vice president of Business Development and Marketing for Interthinx. "Within seconds, Clear Value AVM can deliver accurate subject property estimates by way of proprietary technology that allows the cascading system to replicate the logic of an experienced underwriter."

The collateral risk suite also includes ValVerify - a decision support tool that evaluates collateral risk by utilizing the most comprehensive data set in the industry. These data sets include property characteristics, borrower data, employer information, and other critical elements.

"ValVerify is the only collateral risk tool that considers all of the 1003 (loan application) data in the creation of an all-inclusive, and therefore, more accurate Property Score," stated Kevin Coop, president, Interthinx. Proprietary algorithms within ValVerify are used to score collateral for potential fraud. The calculations include factors such as transaction analysis, chain of title, occupancy, exposure, comparable properties, market analysis, neighborhood analysis and more. "Recognition of fraudulent patterns is crucial to lenders and investors and is made possible via our proprietary and comprehensive neighborhood analysis."

Both Clear Value AVM and ValVerify provide the industry with better tools for immediate, user-friendly, cost-efficient and truthful collateral risk evaluation for each loan's specific set of circumstances.

"It is essential to run pre-funding fraud detection and valuation tools such as ValVerify to see a truly unbiased value - void of influence from any third party," stated Joe Hogan, Assistant Vice President, Loss Management of Radian Guaranty Inc. - a mortgage credit risk management company. "Interthinx continues to set the standard and brings the mortgage industry effective technology to fight the assault of mortgage fraud."

About Interthinx

Interthinx is the nation's leading provider of automated fraud protection, compliance and decision support tools for the mortgage industry. Used by 15 of the top 20 lenders, Interthinx combines its National Fraud Protection Database (NFPD) along with advanced technology and data collection to offer the most comprehensive fraud detection system available. Interthinx helps to bridge the gaps left by traditional manual fraud detection by enabling the increase of front-end efficiencies while improving quality control and profitability. Its multi-faceted approach to risk management includes innovative training programs designed for greater retention and immediate results. More than 1100 customers rely on Interthinx, an ISO business, for automated scientifically-based solutions, historical analysis and consistent data collection. For more information, visit www.interthinx.com or call 800-333-4510.

About ISO

ISO is a leading provider of products and services that help measure, manage and reduce risk. ISO provides data, analytics and decision-support solutions to professionals in many fields, including insurance, finance, real estate, health services, government and human resources. Clients use ISO's databases and services to classify and evaluate a variety of risks and detect potential fraud. In the U.S. and around the world, ISO services help customers protect people, property and financial assets. For more information, please visit www.iso.com.