Press Release:
April 22, 2008

Compass Announces the Integration of Andrew Davidson & Co., Inc.’s 5.2D Unified MBS Prepayment Models to CompassPointTM with Loan-Level Input and Output Adjustors

San Francisco, CA – April 22, 2008– Compass Analytics, LLC and Andrew Davidson & Co., Inc. announced today the successful integration of the Andrew Davidson & Co., Inc.’s 5.2D Unified MBS Prepayment Model into Compass’s Mortgage Analytics solution, CompassPointTM. Mutual Compass and Andrew Davidson & Co, Inc. (AD&Co) customers will now have access to AD&Co’s 5.2D Unified MBS prepayment model through CompassPointTM for derivation of option-adjusted durations and mortgage cash flow valuation and analysis for fixed and adjustable mortgage backed securities and loan-level and cohort-level whole loans and mortgage servicing rights. Mutual customers will be able to adjust all 5.2D input tuners including HPI Index and mortgage spread and output SMMs with loan-level static and vectored adjustors.

"Recent market volatility has emphasized the criticality of more contemporary, granular and realistic prepayment speeds and the modeling of those speeds given different rate scenarios," said Rob Kessel, Managing Partner of Compass Analytics. "Compass is very pleased to continue its integration to AD&Co’s Prepayment Models and continues to provide robust loan-level adjustment capabilities.” Mark Garland, President of MountainView Servicing Group added “MountainView is very excited to have the expanded modeling capability we gain through CompassPointTM and AD&Co Prepayment Models for our valuation of mortgage servicing rights.” Rob Landauer, Director of Business Development at Andrew Davidson & Co., Inc., commented, ” Access to our most recent models and capabilities is especially important during these volatile prepayment periods. We are thrilled that Compass Analytics has provided our mutual clients with access to our latest release which considers the impact that declining HPA and significantly lower turnover have on prepayment speeds.”

About Compass Analytics, LLC:

Compass Analytics provides valuation and interest rate risk management solutions to mortgage capital markets participants. Compass Analytics licenses its software CompassPoint™ to mortgage servicers, traders, investors and secondary marketing departments in order to provide rich loan-level and cohort-level analytics. CompassPoint’s™ loan-level models, integrated file mapping, aggregation tools, market and credit inputs, whole loan, structured cash flow and mortgage servicing rights analysis and reporting capabilities give CompassPoint™ users the competitive advantage in evaluating all mortgage collateral. In addition to licensing CompassPoint™, Compass uses CompassPoint™ internally to provide third party valuations as well as outsourced hedge execution services, both of which draw on Compass’ considerable expertise and access to market color. For more information about Compass Analytics, please visit its website at http://www.compass-analytics.com or contact Kellie Kramer at 415-462-7500 or kkramer@compass-analytics.com.

About Andrew Davidson & Co., Inc:

Andrew Davidson & Co., Inc. offers consulting services and risk analytics for fixed income investors with emphasis on mortgage and asset backed securities. Their Vectors™ Analytics library currently offers prepayment models for mortgage and asset-backed securities, a Credit/Default model (LoanDynamics™ Model), and option-adjusted valuation and risk management tools for MBS, ABS, and CMOs. The company's unique blend of investment expertise and cutting-edge quantitative methods allows it to combine decades of Wall Street experience with the most advanced modeling techniques. For more information about Andrew Davidson & Co., Inc., please visit their website at http://www.ad-co.com or contact Laura Gridley@ 212-274-9075 or laura@ad-co.com..

For more information about Compass Analytics, please visit its website at http://www.compass-analytics.com or email kkramer@compass-analytics.com.