Market Performance Gauge.

Market Performance Gauge

Best-performing low-tier metropolitan statistical areas (MSAs) over
the last one-year period (through 12/31/11)

Rank  MSA                                           Performance Gauge

1     Greeley, CO                                               15.6%

2     Milwaukee-Waukesha-West Allis, Wl                          8.6%

3     Phoenix-Mesa-Glendale, AZ                                  7.2%

4     Boulder, CO                                                5.8%

4     Columbus, OH                                               5.4%

6     Fort Collins-Loveland, CO                                  3.1%

7     Warren-Troy-Farmington Hills, Ml                           2.7%

8     Denver-Aurora-Broomfield, CO                               2.3%

9     Boston-Quincy, MA                                          2.1%

10    Cincinnati-Middletown, OH-KY-IN                            1.8%

11    Washington-Arlington-Alexandria, DC-VA-MD-WV               1.0%

11    Providence-New Bedford-Fall River, RI-MA                   1.0%

13    Binghamton, NY                                             0.9%

14    Rochester, NY                                              0.6%

15    Minneapolis-St. Paul-Bloomington, MN-WI                   -0.2%

Fisery Lending Solutions' (FLS') Market Performance Gauge depicts
home-price performance among the metropolitan areas highlighted. The
gauge is derived from Case-Shiller Indexes (CSIs[TM]). which are
based upon repeat sales. These indexes are widely accepted as the
most meaningful indicators of market-specific home-price changes
through time. FMS measures home-price changes by aggregate market
change and by low-, middle-and high-price tiers within each market.
Price-tier thresholds are market-specific and are calibrated to
capture one-third of each market per tier.

Additional information regarding these and related measures is
available on the Internet at www.fiserv.com.

SOURCE: Fisery Lending Solutions Inc.