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About CoreLogic®CoreLogic (NYSE: CLGX) is a leading provider of consumer, financial and property information, analytics and services to business and government. The company combines public, contributory and proprietary data to develop predictive decision analytics and provide business services that bring dynamic insight and transparency to the markets it serves. CoreLogic has built the largest U.S. real estate, mortgage application, fraud, and loan performance databases and is a recognized leading provider of mortgage and automotive credit reporting, property tax, valuation, flood determination, and geospatial analytics and services. More than one million users rely on CoreLogic to assess risk, support underwriting, investment and marketing decisions, prevent fraud, and improve business performance in their daily operations. Formerly the information solutions group of The First American Corporation, CoreLogic began trading under the ticker CLGX on the NYSE on June 2, 2010. The company, headquartered in Santa Ana, Calif., has more than 10,000 employees globally with 2009 revenues of $2 billion. For more information visit www.corelogic.com. About Flood Services For over 20 years, the Flood Services division of the First American Corporation has provided reliable and accurate flood determinations that guarantee your compliance with Federal regulations. As part of a new company, CoreLogic®, we will continue to provide the same reliable and accurate flood risk data you expect from the acknowledged market leader of flood risk products. Whether our customers are closing loans, making property purchase or underwriting decisions or accessing portfolio risk, they can do so with complete confidence in their flood data.
Our GuaranteeCoreLogic® guarantees its clients strong, stable and dependable service for years to come. We're here to stay. Additionally, Lenders who use our services receive the benefit of our flood determination guarantee with each flood determination we provide. While the actual terms of any warranty will be set forth in our service agreement with you, you can be assured of the following: If we issue a flood determination on a property stating that the insurable structure is not located within a Special Flood Hazard Area, and the structure is in fact located in a Special Flood Hazard Area according to the FEMA Flood Insurance Rate Map effective as of the date of the determination, we will compensate you for any uninsured structural flood damage that would have been paid by an NFIP policy, less any premiums that would have been paid for an NFIP policy during the life of the loan secured by the property. Conversely, if we issue a Determination on a property stating that the insurable structure is located within a Special Flood Hazard Area, and the structure is in fact not located in a Special Flood Hazard Area according to the FEMA Flood Insurance Rate Map effective as of the date of the Determination, we will reimburse you for any unnecessary or excessive flood insurance. Quality ControlOur Quality Assurance team is engaged with every department to ensure that we meet the high standards of accuracy and efficiency we've set for our flood zone determinations and all our operational procedures. Our quality assurance efforts cover several areas:
The staff operates as a separate organization to conduct and analyze internal audits, implement new quality control checks, and ensure that all internal processes are streamlined. Any area of potential improvement to our current processes is analyzed by interdepartment project teams. TechnologyCoreLogic's wide range of connectivity options means fast, streamlined ordering, tracking, and delivery. Let our connectivity specialists design an optimal system that's fully compatible with your platform.
Loan Origination System (LOS) Interfaces Our transparent interfaces enable you to order your flood determinations without exiting your LOS to another ordering platform. The data is returned directly to your LOS. Third-Party Vendor Portals Web-based Solutions FloodCert.com You can also manage all aspects of your account with FloodCert.com's user-friendly functions including searching, tracking, order history, completed order notifications, and reporting. CoreLogic Web Services *Note: Be sure to enter https before the URL to access CoreLogic's secure ordering site. Servicing System Uploads Emergency RecoveryCoreLogic has invested significant resources to establish a comprehensive, off-site disaster recovery facility and standard disaster recovery procedures. This investment ensures that our customers receive seamless service, even during natural disasters or major disruptive events.Our disaster recovery procedures provide for the continuity of our automated and manual business functions. Our disaster recovery facility is fully operational and ready for transition at any time. It is fully outfitted with duplicate maps and file servers, inbound and outbound fax servers, workstations, telecommunications and Internet connectivity. Activity on our critical file servers at our primary operations facility is mirrored in real time on identical hardware at our disaster recovery facility. FloodCert.com, our Web-based ordering and delivery system, is made seamlessly available from both locations through technologies such as BGP4 and global site selection. Redundant, load balanced Web servers occupy both facilities. If either site encounters a situation that causes diminished capacity, the other site will support the load and will do so dynamically. Either site is capable of carrying the entire load. The off-site facility resides on a separate power grid and has an independent diesel generator that can provide electrical power indefinitely. As a result, our network and communications infrastructure is completely protected from electrical disruption. Our business continuity plan is reviewed semiannually and our recovery capabilities are routinely tested by a specialized team representing all our operational departments. The testing protocol examines all operations, automated functions, communications, network procedures and ordering mechanisms. During the test, actual orders are received, processed and returned to our clients without any interruption in service. SecuritySecure Systems We maintain security card access all areas of our building, including our research and systems areas, and all computer rooms that house customer data. Access to data on our servers requires password authentication, resulting in an electronic record of all login activity. Our Internet ordering site uses Secure Socket Layer (SSL) protocol to ensure that all transactions remain private and secure.
Please visit Cybertrust for additional information about this certification or contact our Technical Support personnel at 800-447-4550. Secure Email To protect client information during email transmission, CoreLogic employs Transport Layer Security (TLS), an advanced SSL technology applied to email servers. If a given client requires secure email and supports TLS, any messages sent or received are automatically and transparently encrypted from server to server as a normal part of the email process. This enables both clients and CoreLogic to stay in compliance with security requirements without any end user interaction. All communication with servers currently running TLS on their SMTP gateways is continually encrypted. As a widely accepted, open-standards security solution, TLS eliminates time-consuming steps involved in securing emails via proprietary, third party sites. Applying TLS also avoids technological incompatibilities that may result from using plug-ins to encrypt emails. TLS is supported by Microsoft Exchange, Linux, UNIX and other computer platforms.
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Real-Time Interfaces
CoreLogic Flood Services is TruSecure certified, reflecting the successful completion of an extensive security review by the Cybertrust Corporation. The review process examines, measures and verifies our security controls, policies and procedures against rigorous Cybertrust standards. This review is repeated periodically to ensure continued conformity to those standards.