Who we are

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• Who we are
• Inuva Info Management is a full service
  outsourcing firm focused on helping US mortgage
  companies outsource their operations to India .
• Over 100 employees
• 3 years in operation

Where we are located Inuva is headquartered in
Kolkata, India a hub for technology and
backoffice service providers working with
companies worldwide. We are in the process of
opening a fully equipped redundancy center at
Bangalore in January 2004. Our US representative
office is in Miami, FL headed by a full time
Director of the company who is also our CIO and
operations head for North America.

• Our core competencies
• Mortgage back-office functions
• Mortgage transaction processing
• Mortgage call centers
• Mortgage servicing operations

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Why Outsource ?

• Reduce production costs up to 60
• Improve quality of service and guarantee
  delivery timelines
• Overcome resource constraints to be able to take
  on new business
• Focus on core competencies and new revenue
  streams
• Stay competitive - your competitor is doing it!

Outsourcing - for critical business processes -
is becoming more common as a central strategic
challenge. Businesses today need to respond to
increased competition, increase agility, service
customers more intimately, gain new competencies
and reduce costs. (Gartner Outsourcing Report
2003)
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Why Outsource to India ?

• Large pool of trained workers with English
  speaking and comprehension skills
• Leader in technology and business process
  outsourcing in the world
• Cost benefits - significantly lower cost of
  operations compared to the US
• Stable political environment with a
  democratically elected government
• 60 of the Fortune 100 companies are already
  outsourcing to India

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Which Mortgage Functions Can Be Outsourced ?

• Most pre and post origination back office
  functions
• Loan processing
• Flood and hazard processing
• Assignment processing
• Document recovery services
• Lien releases and satisfactions
• Loan servicing functions
• Loan setup
• Default administration
• Escrow administration
• Investor accounting
• Cashiering
• Customer interaction services
• Inbound customer service calls

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Case Study 1 - Lien Release

• LR processing from tif images
• Inuva receives loan images either by FedEx or
  download the job via the Internet from the
  clients ftp site.
• Inuva does data entry, review and auditing for
  quality. Once complete sends the data file to the
  client by email or ftp via the Internet.
• Client uploads data to their server.
• Client audits the loan data for exceptions and
  prints releases as per requirement.

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Case Study 2 - Real Estate Tax

• Log directly into client's loan administration
  database using Citrix server and generate the
  required report.
• Initiate a call to the county tax authorities
  and gather information on the property.
  Information received by fax is processed
  separately.
• Update information on-line to the clients
  mortgage administration system.
• Generate reports as per clients requirement.

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Challenges to Outsourcing and Inuvas Solutions
The challenges to outsourcing success are just as
real as the benefits your organization can gain
from outsourcing. At Inuva, we have expertise in
tackling the myriad challenges to outsourcing

• Domain Knowledge
• Our board of advisers are specialists in all
  areas of the US mortgage Banking industry such as
  Origination, Servicing, Title Insurance, Flood,
  Tax, Customer Service, Secondary Market etc.
• Quality issues
• Contractual Service Level Agreement - you decide
  the quality metrics we perform strictly according
  to it
• A dedicated quality team headed by a
  knowledgeable QC Manager
• 100 QC.
• Communication barriers
• US based Transition Manager is assigned to your
  account
• US 1-800 numbers for 24/7 access to the offshore
  project manager.
• Client access to our website providing a
  dashboard of the status of all projects in
  progress.
• Confidentiality concerns
• High security facilities and thorough employee
  screening
• Confidentiality, non disclosure agreements and
  arbitration as per US laws ensures the highest
  level of safety of your data and your client
  information

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Challenges to Outsourcing and Inuvas Solutions

• Knowledge transfer challenges
• Executive management holds many years of
  experience working in US mortgage banks
• US trained operations manager based at our India
  Operations Center
• More than three years of experience in working
  with US mortgage functions gives Inuva the most
  depth of knowledge in this area compared to any
  competitor in India
• Employees go through rigorous training programs
  and US Mortgage Bankers Association distance
  education and certifications
• Technology challenges
• Inuva has a team of experienced system
  administrators,
• developers and system integrators who
  can help you
• work through challenging technology
  issues in
• international outsourcing
• Financial stability of vendor
• Over 100 employees
• Three plus years of continuous profitable
  operations

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Inuvas Outsourcing Process
One of the key success factors in a successful
outsourcing project is the Transition Process and
the formation of a Transition Team, which can
handle the task of transferring business
functions seamlessly to the outsourcing
organization.
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Outsourcing Teams
As an outsourcing partner we become a core ally
in your business success. The formation of
properly empowered teams to strengthen the
relationship is a vital success factor in this
partnership.
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Our Facilities

• Latest computers with dual monitors
• High end servers and storage devices
• Redundant telecommunication links for internet
  and
• voice connectivity
• Call center using state of the art voice over
• IP technology
• Redundant power supply and generator backup
• 24/7 guarded secure facility in reputed IT park
• Business continuity and disaster recovery
• standby facilities

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Our Facilities
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Kolkata, India
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Summary

• Outsourcing benefits for your company
• Reduce costs substantially and improve profit
  margins
• Achieve quality output on time
• Focus on core competencies and pursue new
  businesses
• Remain competitive
• Inuvas unique value proposition
• US mortgage outsourcing is our focus
• Pioneer in US mortgage outsourcing,
  knowledgeable
• workforce
• No risk proof of concept pilots
• Business process re-engineering and transition
  plan
• Proven performance and US references
• Quality and timeliness guarantees

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