FBI Reports Mortgage Fraud Rate Surges to All Time High; Fraud Expert Responds to Crisis.

Study Reveals More Than Doubled Mortgage Fraud Statistics; Crime-Fighting Tools Found at C&S Marketing

A[micro]   Who: Steve Schroeder, co-founder and CEO of C&S Marketing, is a
        mortgage fraud and financial services technology expert. He
        has more than a decade of experience in the housing finance
        and property information industries. Schroeder consults and
        implements fraud prevention strategies for lenders nationwide.

A[micro]   What: The FBI's May 2005 Financial Crimes Report to the Public
        announced that the number of filed mortgage fraud reports has
        escalated from 6,936 in 2003 to 17,127 in 2004, with
        California, Nevada, Utah, Colorado, Missouri, Illinois,
        Georgia, South Carolina and Michigan reporting the most cases.
        The report also showed that 80 percent of the cases involve
        either overstated property appraisals or non-existent
        properties. Schroeder offers commentary on this and the
        following questions:

A[micro]       --  What steps do lenders need to take to reduce collateral
            fraud?

A[micro]       --  What basic technology does every lender need to prevent
            mortgage fraud from happening?

A[micro]       --  What are the most common misconceptions about mortgage
            fraud?

A[micro]       --  How are AVMs affected in the mortgage industry due to
            fraudulent loans?

A[micro]       --  Why is price significant to AVMs? Is cheaper really
            cheaper in the long run?

A[micro]   To combat this increase, technology experts at C&S Marketing have
    created two robust fraud prevention solutions for the mortgage
    industry. HistoryPro is a collateral risks scoring tool, and
    Broker Scorecard quantifies and scores both the loans and the
    brokers. One driver of the increased volume of mortgage fraud
    reports is the increased ability to catch fraud using C&S
    fraud and risk detection tools.

A[micro]   When: Schroeder is available immediately. Please contact Meredith
        Boyd to schedule an interview.

About C&S Marketing

Sacramento, Calif.-based C&S Marketing is the leading provider of collateral risk assessment and fraud prevention solutions to the mortgage lending industry. Since 1997, the mortgage industry has relied on C&S Marketing's knowledge and information tools to provide quality control, appraisal review and underwriting decision and process support. The C&S Marketing family of property information tools provide the data, comprehensive geographic coverage, ease-of-use and accessibility lenders need. For more information about C&S Marketing, visit www.csmarketing.com.