1. Executive Summary

ASG Mortgage Services (ASG), an affiliate of Asset Strategies Group and a member of The ASG Companies™ is a New York based corporation, which provides nationwide financial advisory services to the mortgage and asset-based markets. ASG provides due diligence, quality control, property valuations (ASGBPO.COM), portfolio analysis and securitization services.

Founded in 1989, The ASG Companies have been Financial Advisor and/or Master Due Diligence Provider for the RTC, FDIC, HUD, SBA, Ginnie Mae and private clients. ASG has assisted in the disposition of over two million loans and assets, totaling in excess of $100 billion. ASG has completed thousands of transactions, including complex and large-scale auctions, portfolio valuations and securitizations. These transactions have included sealed bid sales, bulk sales, non-agency securitizations and numerous securitizations through Freddie Mac and Fannie Mae.

The ASG Companies are distinguished by depth of experience in the management, structuring and sale of whole loan portfolios and mortgage securities, and information technology. The ASG Mortgage Analysis Toolkit © 1996-2000 has been marketed commercially and licensed to nationally prominent financial institutions.

ASG Mortgage Services maintains a staff of mortgage professionals with extensive hands-on experience in all facets of mortgage production, securitization and servicing. ASG's key personnel include chief underwriters, and individuals with extensive managerial experience in quality control with major mortgage originators and mortgage insurers. ASG maintains a staff of licensed real estate brokers and REO managers who contribute directly to the production and management of ASGBPO.COM.

2. Government Certifications and Authorizations

07/90	Loan Sale Advisor Due Diligence Contractor	RTC NECO	NECO-0716-0005
10/90	Due Diligence Contractor Re-approved: '91,'92,'93,'94 See 0700-93-0136: '94,'95	RTC, D.C.	0700-90-0026
11/91	Loan Sale Advisor Re-approved: '92,'93,'94 See 0731-94-0017: '95	RTC, D.C.	0700-91-0039
09/92	Loan Sale Closing Services Provider	RTC, D.C.	0713-92-0364
02/93	Due Diligence Contractor	FDIC	AMBOA-505-
09/93	Financial Advisor Single Family Specialist	HUD, D.C.	DU100C000018161
12/93	Loan Sale Advisor	RTC, ATLANTA	0710-93-0542
06/94	Due Diligence and Valuation Services Provider Re-approved: '95	RTC, D.C.	0700-93-0136
09/94	Loan Sale Advisor	RTC, NEWPORT BEACH	0783-94-0118
11/95	Loan Sale Advisor Due Diligence Provider	RTC, KANSAS CITY AUCTION	0700-94-0034
12/95	Loan Sale Advisor	RTC, D.C.	0731-94-0017
09/96-Pres.	Due Diligence and Valuation Services Provider	FDIC	96-02016-C-VB
09/98-Pres.	Financial Transaction Advisor	SBA
09/98-Pres.	Financial Advisor	GINNIE MAE