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52 SPECIAL ADVERTORIAL SECTION Risk Management/Due Diligence CLAYTON, A RADIAN COMPANY KEY PERSONNEL Eric Ray Senior EVP, Technology and Transaction Services Tim Reilly EVP, Real Estate Services and Surveillance Operations Tony Neske SVP, Transaction Management Michael Dziuba SVP, Enterprise Sales, Mortgage and Real Estate Services Trey Beal VP, Client Service Management BUSINESS LINES, SERVICES , AND PRODUCTS Clayton is a member of the Radian family of companies, which provides the most comprehensive suite of private mortgage insurance, risk management products, and real estate services in the industry. Clayton's core offerings include loan due diligence and securitization services, servicing oversight, and surveillance. The Radian family of companies also includes: » Green River Capital – REO asset management and SFR services, including SFR diligence » Red Bell – advanced automated property valuations and asset management technology » Radian Title Services – national title, closing and settlement services CORPORATE DETAILS 2638 S. Falkenburg Road | Riverview, Florida 33578 Clayton.com | 877.291.5301 | Sales@Clayton.com COMPANY DESCRIPTION Clayton provides products and services that financial institutions, investors, and government entities use to originate, evaluate, acquire, securitize, service, and moni- tor loans and asset-backed securities. Clayton conducts its business with uncompromising transparency and integrity. As part of its overall governance, Clayton's sys- tem of internal controls includes organizational design, written policies and procedures, operating practices, and controls to protect people and assets. This integration of key activities helps identify irregularities and reduce risk. COMPANY HISTORY Since 1989, Clayton has been a pioneer in the loan review, due diligence, and surveillance industries. The company has performed due diligence on more than 12 million mortgage loans, provided support and oversight of loans with more than $2 trillion in original balance, provided more than 13.9 million property valuations, and sold over 175,000 real estate properties. Each year, Clayton conducts over 150,000 targeted reviews focused on servicer operational and regulatory compliance. COMPETITIVE ADVANTAGE Clayton offers unparalleled breadth and depth of data and technology-driven services, and is uniquely posi- tioned to bring impartial, effective solutions to current market challenges. As a pioneer in the financial services industry, Clayton has built a reputation as an innovator that clients can trust for its experience, customized ser- vices, and objectivity. In addition to its unique expertise, Clayton's hands-on approach to customer service sets it apart from other firms. The Clayton team is committed to helping its clients better understand their portfolio, mitigate risk, and position their business for success. KEYS TO SUCCESS With the support of its parent company Radian, Clayton is continuing to invest significantly in technology, infra- structure, and experienced staff, all focused on creating more efficient and innovative solutions and expanding into new markets to better serve its clients. The company now offers Asset Representatives Reviewer Services to maximize transparency and value for security investors. Clayton remains a committed, leading service provider to the single-family rental and transitional financing (fix-and- flip) markets. ADDED VALUE TO CLIENTS Residential Loan Due Diligence » Largest and longest-standing due diligence firm in the industry. » Due diligence workforce of hundreds of underwriters » Clayton is an approved S&P and DBRS RMBS third- party review (TPR) provider and meets the standards of Moody's, Fitch Ratings, and Kroll Bond Ratings for pre-securitization due diligence. Credit Risk Management/Loan Surveillance » Execute over 150,000 targeted compliance reviews per year—assessing compliance with representa- tions, regulatory and legal requirements, investor guidelines, and settlement agreements. » Depth of experience includes advisory services, asset management services, claim review services and loan review/due diligence for all property and credit types. » Broad and vast array of historical transaction data. Innovating Solutions for the Single-Family Rental Market » By leveraging its expertise in real estate and capital markets, Green River Capital designed a full suite of services to support SFR lenders and investors. » Its SFR diligence services include a thorough collat- eral review and validation of sponsor and/or borrower data, property documentation, and loan files. » Green River Capital has participated as the diligence agent for all SFR single-borrower securitizations that have come to market. Regulatory Knowledge » Clayton offers expertise in major regulatory compli- ance guidelines, including TRID, ATR/QM, FACTA, HMDA, NRSRO rules, and Federal servicing rules and regulations. Team of Industry Experts » Beyond tools and technology, Clayton offers an ex- perienced team of industry experts who work hands- on with their clients to provide actionable insights. » Clayton's subject-matter experts have held signifi- cant positions in the banking and residential real estate industries, bringing years of lending and operational experience.