Assumptions:

1. Average home valuation = $120,000 primary mortgage outstanding = $80,000.

2. Refinancing revenue includes fees from refinancing the primary mortgage + full payoff of FHL remaining balance.

3. Foreclosure revenue includes 90% full payoff of FHL remaining balance + interest + foreclosure fees.

4. Purchasing property at 90% of valuation with write-off of charged-off FHL.

The assumptions presented in this document are based on averages and are illustrative only. It is intended as a summary of the described transaction for discussion purposes only. No representation or warranty can be given with respect to the accuracy or completeness of the information, or with respect to the terms of any portfolio purchase. 123 Mortgage Solutions makes no guaranty as to results or performance and Buyer must make its own independent expert evaluations of the nature, validity, collectibility, enforceability, and value of any offered portfolio Debt Buying model assumes litigation methodology.

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