Interthinx® Releases Enhanced APR Calculator within Its PredProtect Regulatory Compliance SuiteSM

New and improved APR calculator quickly and accurately verifies payment stream calculations

AGOURA HILLS, CA, April 28, 2008 — Interthinx, Inc., the leading provider of proven risk mitigation, mortgage fraud prevention, and regulatory compliance tools for the mortgage industry, has announced a new APR calculator enhancement to its PredProtect loan-level regulatory compliance solution. The enhancement gives Interthinx customers two options for verifying the accuracy of their disclosures under the federal Truth-In-Lending Act (TILA). Lenders may now choose APRWin from the Office of Comptroller of Currency (OCC) or the new engine that validates payment streams and creates printable amortization schedules. What’s more, the highly acclaimed PredProtect Worksheet has been redesigned with better graphics to make compliance reviews even easier. With Interthinx-exclusive Points & Fees DrilldownsSM , the worksheet eliminates guesswork from prepaid finance charge determinations under Reg. Z.

“In this ultra-tight market, inaccurate APR, finance charge, and payment stream calculations cost lenders money as investors look for even the smallest errors to force lenders to buy back bad loans. The new APR calculator option within PredProtect eliminates TILA errors before the loans are made,” noted Roger Fendelman, Esq., vice president of compliance for Interthinx.

“In developing the enhanced APR calculator, our goals were to provide proven quality assurance and streamline processes with a product that is easy to use,” stated Stacey Louie, senior vice president of product development and engineering for Interthinx. He continued, “The new calculator is powered by Math Corporation’s technologically advanced zMath® loan calculation engine, and it supports virtually every loan product in existence. In addition, it automatically interprets company-specific fees and provides the flexibility to customize APR and finance charge tolerances as needed. This new engine is fully contained in the PredProtect system architecture, allowing for a seamless integration that’s nearly invisible to the end-user.”

“Interthinx is committed to putting product enhancements such as the PredProtect APR calculator on a fast-track because we understand how vital it is to support the mortgage industry during these challenging times,” added Kevin Coop, president of Interthinx. “As with other recent enhancements to the PredProtect automated compliance system, the APR calculator enhancement is provided at no cost to Interthinx customers.”

About Interthinx
Interthinx, Inc., an ISO business, is the nation’s leading provider of proven risk mitigation and regulatory compliance tools for the financial services industry. Used at every point in the mortgage lifecycle to prevent mortgage fraud, compliance violations and to assess risk, Interthinx is relied upon by more than 1,100 customers, including 15 of the top 20 mortgage lenders and three of the top five largest financial institutions. With technology that earned Mortgage Technology Magazine’s prestigious 10X Award as “a diagnostic and corrective solution of the highest order,” Interthinx expertise in predictive analytics, data mining, and risk scoring sets the standard for the industry and directly increases the value of client portfolios. For more information, visit or call 1-800-333-4510.

About ISO
A leading source of information about risk, ISO provides data, analytics, and decision-support services to professionals in many fields, including insurance, finance, real estate, health services, government, human resources, and risk management. Using advanced technologies to collect, analyze, develop, and deliver information, ISO helps customers evaluate and manage risk. The company draws on vast expertise in actuarial science, insurance coverages, fire protection, fraud prevention, catastrophe and weather risk, predictive modeling, data management, economic forecasting, social and technological trends, and many other fields. To meet the needs of diverse clients, ISO employs an experienced staff of business and technical specialists, analysts, and certified professionals. In the United States and around the world, ISO helps customers protect people, property, and financial assets.

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Michael DiVirgilio (for MWW)

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