Mela Capital Group, LLC Forensic Financial Investigation and Reporting

Cindi Dixon, President Direct: 954.675.2319 Fax: 877.633.7992 Info@MelaCapitalGroup.com

Attention Foreclosure Defense Attorneys At MCG we take a unique approach to our business. We talk with you, we listen to you and then we customize an approach to your auditing needs based on your clients’ case. Our competitors produce reports based on data processed by automated systems and use canned audit responses, while charging you exorbitant fees. With an MCG audit you receive standardized pricing, comprehensive six point audit reviews covering all legal and contractual aspects of your case, and a detailed expert witness report. Most importantly you will have peace of mind knowing your foreclosure defense case is in professional hands. Point 1: ORIGINATION Underwriting reasonability Underwriting guideline compliance Policy and procedure compliance Consumer privacy issues Unfair and Deceptive Practices Acts violations State Civil Code violations Fair Lending law compliance Point 2: COMPLIANCE Truth in Lending Predatory Lending violations RESPA HUD 1 Rights of Rescission Consumer disclosures ECCOA ARM Disclosures Servicing transfer and Escrow disclosures Point 3: VALUATION (APPRAISAL) MCG appraisal reviews are very detailed and done manually. Included are comparables mapping due to common location misrepresentations, public records review for transfers and history validation, including property details commonly falsified to manipulate value, including adjustments. Neighborhood and location information is also verified. Buyers and sellers of the subject, and comparables are investigated for flipping and fraud histories, and run through state corporations and legal systems for an

additional layer of protection against non-arms length transactions. USPAP standards are addressed. Point 4: SECURITIZATION SEC Pooling and Servicing Agreement reviews Representations and Warranties breaches Mortgage Backed Securities certificates Transfer disclosures Servicing and escrow contracts Breaches of Fiduciary duty Point 5: FRAUD Mortgage fraud is a hot topic in the law enforcement and financial services industries. Our expertise in identifying complex mortgage fraud schemes including banking insiders, borrowers and third parties, allows us to know what to look for, where to find it, and how to follow chain of custody requirements when interviewing witnesses and preparing witness statements. Our expert witness status comes from manually reviewing tens of thousands of mortgage loans, preparing SAR reports, conducting FBI and District Attorney’s mortgage fraud task force training and managing internal fraud investigations teams for Wall Street mortgage backed securities firms. Point 6: REPURCHASE DEFENSE Fannie Mae, Freddie Mac, Ginnie Mae Lender put-back audit response investigations Counterparty agreement violations

We are active members of the International Association of Financial Crimes Investigators’ Mortgage Fraud Task Force, on the Board of Directors for the Florida Quality Council, members of the Florida Association of Paralegals, and members of the Association of Certified Fraud Examiners. MCG, LLC Experience you can bank on.

Contact us today for a free consultation. www.MelaCapitalGroup.com