Safeguard understands the critical importance that an integrated comprehensive effort plays in placing REO properties in marketable condition efficiently and cost effectively. When a property is maintained proactively with "curb appeal" in mind, the likelihood of a buyer issuing a purchase offer is greatly enhanced - reducing the time the property is on the market and enabling the property holder to recover the highest achievable value and quickest disposition. Achieving these lofty goals of maximizing marketable condition generally requires diligent preservation, protection, and ongoing maintenance. Additionally, it is necessary to coordinate efforts with the appraisers and the local real estate brokers and agents who are marketing the property to potential purchasers.

Safeguards' REO department is comprised of Maintenance and Repair Specialists, Client Relations Representatives, and Broker Direct Team, which focuses strictly on communications with the brokers and agents. These individuals work together to facilitate the placement of the asset on the market as quickly as possible while ensuring quality work to preserve and protect each property, from foreclosure sale to marketable condition, and finally, to the point of a completed sales transaction. Safeguard provides Preservation Services with an unwavering focus on ensuring that the property is placed in marketable condition as soon as possible after foreclosure sale or an eviction.

Safeguard has developed an innovative and unique approach to serving REO properties that is designed to maximize efficiency of service, minimize administrative costs and eliminate costly duplication of work. To provide for more effective management of costs for our clients, we have developed a fixed price "cradle to grave" concept that allows you to more efficiently project costs over the lifecycle of an REO property. Safeguard Clients have realized a number of benefits from this pricing model including, but not limited to:

• A fixed fee approach to managing and budgeting for initial and ongoing maintenance costs.
• Improvement in efficiency that dramatically decrease the internal labor costs necessary to order, review and approve bids, and processing invoices.
• Centralization of responsibility for all property services greatly enhancing communication with realtors, marketing officers, and other vendors.
• Single point accountability with a proven partner recognized and approved by all government mortgage servicing agencies such as HUD, VA, Fannie Mae, and Freddie Mac.