Bahay Financial Services, Inc.

BFS is a pioneering multi-national mortgage servicing platform that combines functional competencies in Mortgage Finance Origination and Credit Underwriting, Loan Servicing, Default Management, Property Management and Sales and Secondary Market Development. As a comprehensive business proposition covering the entire mortgage servicing life cycle, BFS has specifically addressed the following Key Success areas: A management team of seasoned professionals, fully knowledgeable and equipped with broad experience in portfolio management Development of and adherence to best-practice policies, controls and procedure Development and implementation of best-practice servicing methodologies in the areas of: Mortgage Loan Origination and Underwriting for a better Credit Culture Loan Servicing and Default Management Development of a secondary market for mortgage paper underwritten and serviced to internationally-rated standards Using specialized and efficient technology applied to manage the processing of a high volume of information, ensuring a high degree of transactional efficiency and integrity Entering into strategic partnerships with like-minded professional entities A first mover in this industry, BFS adheres to international standards and best practices that are customized for local market conditions. The company employs customized programs and strategies, systems-driven processes and procedures, and end-to-end automation including virtual foldering, a centralized database, and data warehousing.