Cindi Dixon has audited of over $5 Billion dollars of mortgage loan products, created and enforced underwriting policy for over two decades, and continues to provide expert witness testimony and consumer advocacy and mortgage fraud training nationwide. Mela Capital Group provides forensic financial audits and reporting for Attorneys and law enforcement throughout the U.S. www.MelaCapitalGroup.com

1. Mela Capital Group, LLC Forensic Financial Investigation & Reporting 1

2. Table of Contents Who we are What we do Why Mela Capital Group For law enforcement State of the art investigations For law firms, servicers and title companies MGC, LLC Partners Contact information 2

4. Audited over $5 Billion in high risk mortgages and mortgage backed securities products

5. Nationally renowned forensic mortgage fraud expert

6. Conduct financial fraud training for FBI and law enforcement for over a decade

7. Published author and contributor in mortgage fraud mitigation, financial services legislation, underwriting and compliance training

8. Expert witness on financial fraud and foreclosure defense

9. Work with Congressman Ron Klein and Representative Darren Soto on mortgage industry legislation3

11. Forensic document examination

12. Legal and agency reporting

15. Foreclosure defense and support investigations

16. Title, appraisal, legal document fraud reviews

17. Identity theft and income fraud

18. Origination guideline breeches 4

19. Why Mela Capital Group Industry specific issues can be difficult to detect. It takes an expert to identify the origins of these problems, if they are present at all. An MCG, LLC audit will tell you if originator or borrower fraud was committed, if underwriting or compliance errors are present and if the errors were intentionally or negligently committed. More complex breaches identified in an MCG, LLC audit may reflect administrative error, representations and warranties or mortgage backed securities sales and pooling violations or misrepresentations, among other mortgage contract breaches. When your review is complete, our customized reporting arms you with an additional layer of defense to fight for your client. From high level, complex Wall Street servicing agreements to lender guidelines utilized for a single mortgage loan approval, these contracts can contain hundreds, if not thousands of pages. Other common issues we investigate include document fraud, federal and state compliance errors, and breaches of pooling and sales agreements for mortgage-backed securities certificates. MCG, LLC has the hands-on experience expert knowledge to investigate and document your case, saving your firm dozens of hours in research and reporting time. As a valuable member of your legal team, MCG brings the unique expertise of auditing $5 Billion in mortgage loans along with 2o years of underwriting and credit risk management at the Wall Street level. Your firm and clients will enjoy the immediate benefits of cost savings and peace of mind knowing you have partnered with the best. 5

20. For Law Enforcement Mortgage Fraud Investigations Individual and department customized training Ongoing investigation support Subject matter expert Expert witness testimony Reporting Complex schemes documentation Identity theft Money laundering Forensic document examination Borrower, insider, industry professional fraud expert Forensic auditing and compliance testing Manually Audited over $5 Billion in mortgage loans, Over 20 years in credit risk management, mortgage fraud mitigation and training Trained Los Angeles County District Attorney’s new Mortgage Fraud Task Force 6

22. Proprietary compliance auditing systems

23. Industry leading automated fraud detection engines

24. IRS-direct income verification tools

25. Lexis-Nexis

26. Private investigation and document examination by retired federal agent partner, colleague7 Don’t be fooled by novices using data entry reports calling them forensic audits

28. Repurchase defense

29. Manual document investigations

30. Mortgage fraud scheme identification

31. Identity theft and insider fraud

32. Reps & warrants breaches

33. Securities sales compliance and legal audits

34. Agency audit response

35. Compliance testing

36. Mortgage Insurance claim investigation and defense

37. Florida ParalegalWith over $5 Billion in mortgage loans manually audited, and over a decade of mortgage fraud investigation, your case or claim will be thoroughly investigated, documented and reported to meet your requirements. Do not trust your client to firms without real world experience that simply run data technology. Cindi Dixon is a nationally recognized subject matter expert with the corporate and legal background to expertly handle your case. Courteous, confidential, and responsive to all of your forensic auditing needs 8

39. IAFCI International Association of Financial Crimes Investigators

40. ACFE Association of Certified Fraud Examiners

41. BCCC Broward County Chamber of Commerce

42. PAF Paralegal Association of Florida

43. NFPA National Federation of Paralegal Associations, Boca Raton Chapter

44. GCMP Global Coalition of Mortgage PartnersSee our interview in South Florida Business News When you work with us, you get global support! 9

46. Modification assistance

47. Identity theft investigation

48. On site training

49. Public speaking

50. Training course development

51. Agency (Fannie Mae/Freddie Mac/HD/VA) repurchase response

52. Consumer education programs

53. Forensic appraisal fraud and valuation audits, including historical valuesCindi Dixon, President Direct: 954.675.2319 Toll Free: 866.382.7566 E-fax: 877-633-7992 Info@melacapitalgroup.com www.MelaCapitalGroup.com Contact us today for a free initial Consultation, no obligation! Don’t be fooled by mortgage brokers, realtors, and technology companies claiming to be experts but have no real world experience to back it up. Turn to Professionals.