Sections |
| Title | Starting Page | Number of Pages |
|---|
| Introduction | 1 | 1 |
| Table Of Contents | 2 | 1 |
| I. Management And Organization - Turnover | 3 | 1 |
| I. Management And Organization - Turnover, Chart 1 - Annualized Turnover Rate - Servicing Management | 3 | 1 |
| I. Management And Organization - Turnover, Chart 2 - Annualized Turnover Rate - Servicing Staff | 3 | 1 |
| II. Management And Organization Training | 4 | 1 |
| II. Management And Organization Training, Chart 3 - Customer Service And Collections Classroom Training | 4 | 1 |
| II. Management And Organization Training, Chart 4 - Customer Service And Collections On-The-Job Training | 4 | 1 |
| II. Management And Organization Training, Chart 5 - Total Hours FDCPA Training Per Employee | 5 | 1 |
| III. Subprime Mortgage Miscellaneous Statistics, Chart 6 - Subprime Welcome Call Contact Rate | 5 | 1 |
| III. Subprime Mortgage Miscellaneous Statistics, Chart 7 - Subprime Prepayment Penalties | 6 | 1 |
| IV. Escrow Administration, Chart 8 - Escrow Accounts In Portfolio | 7 | 1 |
| IV. Escrow Administration, Chart 9 - Lender-Placed Hazard Insurance | 8 | 1 |
| IV. Escrow Administration, Chart 10 - Lender-Placed Hazard Insurance Cancellation | 8 | 1 |
| IV. Escrow Administration, Chart 11 - Lender-Placed Hazard Insurance Renewal Rate | 9 | 1 |
| V. Customer Relationship Management - Call Center Metrics | 9 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 12 - Call Center Abandonment Rate | 10 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 13 - Average Talk Time | 10 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 14 - Average Speed Of Answer | 11 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 15 - Average Wrap Time | 11 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 16 - Average Handling Time | 12 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 17 - Voice Response Unit Capture Rate | 12 | 1 |
| V. Customer Relationship Management - Call Center Metrics, Chart 18 - Web Site Usage/Hit Rate | 13 | 1 |
| VI. ARM Resets And Loan Modifications | 13 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 19 - Average Monthly Increase Of Adjustable-Rate Alt-A Mortgage Loans That Have Reset During 2007 | 13 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 20 - Average Monthly Increase Of Adjustable-Rate Subprime Mortgage Loans That Have Reset During 2007 | 14 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 21 - Adjustable-Rate Only First-Lien Subprime Mortgage Portfolio With Initial Payment Reset Schedule (As Of Sept. 30, 2007) | 14 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 22 - Adjustable-Rate Only First-Lien Alt-A Mortgage Portfolio With Initial PaymentReset Schedule (As Of Sept. 30, 2007) | 15 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 23 - Default Management Staffing And Capacity(Percentage Increase In Full-Time Employees June 2006 - June 2007) | 15 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 24 - Loan Modification Preparation Fee | 16 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 25 - Loan Modifications Percentage Of Investor Declines (Jan. 1, 2007 - Sept. 30, 2007) | 16 | 1 |
| VI. ARM Resets And Loan Modifications, Chart 26 - Increase In Consumer Bankruptcy Filings For First Three Quarters Of 2007 From 2006 | 17 | 1 |
| VII. Default Management - Collections | 17 | 1 |
| VII. Default Management - Collections, Chart 27 - Collections - Percentage Of Calling Campaigns During Prime Time Calling Hours | 17 | 1 |
| VII. Default Management - Collections, Chart 28 - Right-Party Contact Rate For 30+ Day Delinquencies (% Annualized) | 18 | 1 |
| VII. Default Management - Collections, Chart 29 - Right-Party Contact Rate For 60+ Day Delinquencies (% Annualized) | 18 | 1 |
| VII. Default Management - Collections, Chart 30 - Right-Party Contact Rate For 90+ Day Delinquencies (% Annualized) | 19 | 1 |
| VII. Default Management - Collections, Chart 31 - Collections - Abandonment Rate For Inbound Collection Calls | 19 | 1 |
| VII. Default Management - Collections, Chart 32 - Promise-To-Pay Success Rate* - 30 Day Bucket | 20 | 1 |
| VII. Default Management - Collections, Chart 33 - Promise-To-Pay Success Rate* - 60 Day Bucket | 20 | 1 |
| VIII. Default Management - Loss Mitigation | 21 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 34 - Loss Mitigation Files Per Full-Time Employee (Prime) | 21 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 35 - Loss Mitigation Files Per Full-Time Employee (Subprime) | 21 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 36 - Loss Mitigation Files Per Full-Time Employee (Subordinate Lien) | 22 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 37 - Subprime Loss Mitigation Management Tenure | 22 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 38 - Subprime Loss Mitigation Counselors Tenure | 23 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 39 - Subprime Loss Mitigation Packages | 23 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 40 - Subprime Loss Mitigation Workout Distribution - Deed In Lieu | 24 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 41 - Subprime Loss Mitigation Workout Distribution - Short Sale | 24 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 42 - Subprime Loss Mitigation Workout Distribution - Modifications | 25 | 1 |
| VIII. Default Management - Loss Mitigation, Chart 43 - Subprime Loss Mitigation Workout Distribution - Forebearance Plan | 25 | 1 |
| IX. Default Management - Loan Modification And Forbearance Break Rates, Chart 44 - Subprime Recidivism Rate For First-Lien Residential Mortgage Loan Modifications | 26 | 1 |
| IX. Default Management - Loan Modification And Forbearance Break Rates, Chart 45 - Subprime Forebearance Break Rates | 26 | 1 |
| IX. Default Management - Loan Modification And Forbearance Break Rates, Chart 46 - Subprime - Forebearance Recidivism Rate | 27 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 47 - Foreclosure Files Per Full-Time Employee (Prime) | 28 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 48 - Foreclosure Files Per Full-Time Employee (Subprime) | 28 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 49 - Foreclosures Completed To Standard (Prime) | 29 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 50 - Foreclosures Completed To Standard (Subprime) | 29 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 51 - Foreclosures Cure Rate (Prime) | 30 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 52 - Foreclosures Cure Rate (Subprime) | 30 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 53 - Bankruptcy Files Per Full-Time Employee (Prime) | 31 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 54 - Bankruptcy Files Per Full-Time Employee (Subprime) | 31 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 55 - Percentage Of Real Estate Owned Properties Requiring Eviction (Subprime) | 32 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 56 - Cash For Keys Success Rate (Subprime) | 32 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 57 - Inventory Turnaround Time (Subprime) | 33 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 58 - Real Estate Owned Inventory Turn Rate (Percentage Monthly Subprime) | 33 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 59 - Gross Sales To Market Value (Subprime) | 34 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 60 - Net Sales To Market Value (Subprime) | 35 | 1 |
| IX. Default Management - Foreclosure, Bankruptcy, And Real Estate Owned Metrics, Chart 61 - Overall Loss Severity (Subprime) | 35 | 1 |
| Addendum, Chart 62 - ARM Subprime Loan Modifications Closed In 2007 (As Of Sept. 30, 2007) | 36 | 1 |
| Addendum, Chart 63 - ARM Subprime Loan Modifications (Jan. 1 - Sept. 30, 2007) | 36 | 1 |
| Addendum, Chart 64 - ARM Alt-A Loan Modifications Closed In 2007 (As Of Sept. 30, 2007) | 37 | 1 |
| Addendum, Chart 65 - ARM Alt-A Loan Modifications (Jan. 1 - Sept. 30, 2007) | 37 | 1 |
| Published by Standard & Poor s, a division of The McGraw-Hill Companies, Inc. | 38 | 2 |
