2.2 PROFILE OF ZENTA KNOWLEDGE SERVICES PVT. LTD.

About Zenta

Founded in 2001, Zenta is a world-class knowledge process

outsourcing (KPO) and business process outsourcing (BPO)
Overview
and Company, offering a full range of back-office, voice and
on-site support solutions such as Credit Card Servicing,
Consumer Lending Servicing, Accounts Receivable
Management, Mortgage Servicing and Real Estate Capital
Market Analytics. The Company serves the following
verticals: Consumer Credit, Insurance and Financial
Services, and Commercial and Residential Real Estate.

With 4,500+ employees worldwide, Zenta has operations in

six locations across three continents. Zenta is a preferred
employer in India.
For further information visit www.zenta.com
Year Founded 2001
Executive Chairman Henry Hortenstien
Country Head Jaswinder Ghumman
Number of Employees 4500+
Global Headquarters New York City
Number of Facilities India: 4 operating centers
• 2 in Mumbai, and
• 2 in Chennai
USA Service delivery centers:
• Philadelphia, PA
• Charlotte, NC
• Dallas, TX and
• Los Angeles, CA
Rank 6th in the 2004 NASSCOM Indian BPO survey
Notable Customers Fortune 1000 clients
Financial Services:
• 10 in the Fortune 500
• 7 in the Fortune 100
• 3 of the top 5 US banks
• 5 of the top 10 US banks
• 4 of the top 6 US credit card issuers
Healthcare
• Top three US healthcare system
Vertical Practices • Real Estate
• Financial Services
• Healthcare
Services • Credit Card Servicing
• Commercial Realty
• Residential Realty
• Account Receivables Management, and
• Healthcare Revenue Cycle Management
• ISO 9001:2000 certified
Quality Certification
• CMM Level 3 assessed
• SAS70 (2006) assessed

Vision & Mission

The May 2007 realignment of the Company’s services under the Zenta brand
reflects the new corporate vision of building a world-class Knowledge and Business
Process Outsourcing Company focused on the real estate and financial services
industries. As a fully integrated global enterprise, Zenta now offers real estate and
financial services customers a broad array of services from its centers of excellence
around the globe.

INDUSTRY AND SERVICES

Commercial Real Estate Services

Zenta's focused approach and industry expertise is unique among business process
outsourcing firms. Our senior management team averages over 20 years of real estate and
financial services experience with major balance sheet lenders, institutional investment
firms, securitization programs and loan servicers. Since its founding, our company has
conducted analysis on more than 45,000 properties in over $1 trillion of commercial real
estate transactions, provides servicing support on over 16,000 commercial loans each
month and provides comprehensive research and information management services for
real estate lenders and investors.

Commercial Real Estate Services include

• Buy & Sell Due Diligence
• Lendor/Investor Services
• Commercial Mortgage Underwriting
• Finance and Accounting
• Lease Administration

Residential Mortgage Services

Zenta's Residential Services Group provides processing, servicing and operational
support for a variety of residential real estate services. Zenta’s team of residential
mortgage professionals has the operational experience to implement a program specific to
your needs and processes. Examples of our residential real estate capabilities include:

• Residential Master Servicing

• Broker Services
• Loan Origination and Underwriting
 • Loan Administration
• Default Services
• Repeatable Results
• Representative Clients
Technology Services

IT Services
Zenta provides a comprehensive range of IT services that are backed by years of
experience in complex, integrated BPO management and a thorough understanding of the
industry verticals in which we operate. Zenta's IT professionals are also extensively
trained in client-specific implementation methodologies creating a dedicated IT team,
which you can allocate where needed.

With Zenta's ISO 9001 registration and a CMM Level 3 rating, you can be
assured of consistent, high quality solutions. In addition, Zenta's IT division is housed in
a facility that features high service availability and redundancy to ensure secure,
dependable operations. Leading edge technology platforms deliver fast, effective
transaction processing.
In addition, Zenta's IT Services increase overall productivity through better quality SLAs
and the use of 24-hour production.

Zenta offers three-tiered IT solutions viz., Preferred Partner Program &

Application Integration and Solution Architecture

Informative Services
Zenta develops real estate information management & technology solutions to
assist in client assignments and portfolio monitoring. Applying customized research
services & tailored web-based applications, we deliver proprietary portfolio & third party
data in a centralized format.
Our information service capabilities deliver relevant and timely information with
unprecedented speed, scale & savings to our clients.
Zenta information services team provides:
 • Web-Based Information Management Applications
• Data Sourcing & Extraction Services
• Customized Research Services

Health Care Services

Customer Lending Services
Group Focus - Consumer lending lifecycle services.
Representative Clients - Commercial/Investment Banks, Credit Grantors, Specialty
Finance Companies.

Products/Services
• Lead Generation
• Contact Strategy
• Outbound for Home Warranty, Checking Accounts, Home Equity Loans,
Credit Insurance, etc.
• Customer Service and Relationship Management
• Collections
• Custom Analytics
• Notice of Repossession / Foreclosure
• Adaptive Control
• Post-charge-off services

Revenue Care Services

In combination, Zenta and its partners provide the most highly trained, certified
and qualified professionals in the industry today, providing a comprehensive suite of
revenue cycle services, along with HIS and bolt-on technology expertise, including:
• Third party follow-up, all payers
• Self-pay follow-up including day-one
• Early-out receivables outsourcing
 • Computer conversion projects with A/R protection
• Full business office, medical records & patient access outsourcing
• Medical records transcription and coding
• Embedded process reengineering with each engagement
Among the key Zenta advantages are:
• Extensive Industry Expertise
• Sophisticated Networking Access
• In-depth Understanding of HIPAA and Regulatory
• On-site Presence