VALUE THROUGH PARTNERSHIP

Insurance services for residential and commercial mortgage lenders, namely, lender-placed hazard, flood, earthquake, wind and homeowners' insurance; blanket portfolio insurance for second position loans; home equity and second mortgage origination insurance protecting lender's security interest following default; property and casualty insurance; mortgage impairment insurance; lending discrimination liability insurance; blanket insurance for mortgage insurers; directors and officers liability insurance; errors and omissions insurance; employment practice liability insurance; insurance for hard to place commercial and residential properties otherwise unable to be covered by admitted carriers; flood hazard determinations and certifications