GLOBAL REGULATORS, ISSUERS, INVESTORS AND OTHER FINANCIAL MARKET PARTICIPANTS RELY ON TYI'S EXPERTISE IN FINANCE, RISK MANAGEMENT AND TECHNOLOGY FOR TRANSPARENCY BASED SOLUTIONS.

FOR EXAMPLE, TYI DEVELOPED A GLOBAL SOLUTION TO THE MAY 2009 EUROPEAN PARLIAMENT'S CAPITAL REQUIREMENTS DIRECTIVE MANDATING THAT INVESTORS KNOW WHAT THEY OWN AT ALL TIMES.  THIS PATENTED SOLUTION ADDRESSES BOTH THE ISSUER AND INVESTOR SIDE OF THE MANDATE WHILE ALSO SUPPORTING SYSTEMIC RISK MANAGEMENT BY GLOBAL REGULATORS:

1. IT MINIMIZES THE ISSUER'S COST WHILE ELIMINATING THE INFORMATION TECHNOLOGY COMPLEXITY OF COMPLYING WITH LOAN LEVEL DISCLOSURE REQUIREMENTS OVER THE LIFE OF EACH DEAL;
   1. REDUCTION IN COMPLEXITY MEANS THAT ISSUERS CAN MEET 12/31/2010 COMPLIANCE DEADLINE (THE Y2K SCENARIO FOR STRUCTURED FINANCE ISSUERS);
   2. PRIVACY OF BORROWERS IS PROTECTED;
   3. THE INDIVIDUAL ACCOUNT LEVEL DATA COMES FROM THE ISSUER’S AUDITED OR AUDITABLE LOAN LEVEL SYSTEMS AND IS DISCLOSED AS OF THE CLOSE OF BUSINESS YESTERDAY.  THIS TIMING REFLECTS HOW CASH PAYMENTS ARE SETTLED AND IS REAL TIME PERFORMANCE DATA FOR STRUCTURED FINANCE AND COVERED BOND COLLATERAL; 
   4. THE SOLUTION'S LOW COST RETAINS THE ISSUER'S ECONOMIC ADVANTAGES OF FUNDING THROUGH THE STRUCTURED FINANCE AND COVERED BOND MARKETS. 
2. IT MAXIMIZES THE VALUE OF, THE INTEGRITY OF AND THE AUDITABILITY OF THE DISCLOSED INFORMATION TO THE INVESTOR.
   1. ALL MATERIALLY RELEVANT DATA ON THE CREDIT QUALITY AND PERFORMANCE OF THE INDIVIDUAL UNDERLYING ASSETS AS WELL AS THE TERMS OF THE DEAL IN A STANDARDIZED FORMAT IS MADE AVAILABLE DAILY;
   2. INVESTORS CAN ACCESS THIS DATA AT THE LEVEL OF AGGREGATION THAT THEY WANT SO THEY CAN PERFORM COMPREHENSIVE AND WELL INFORMED VALUATIONS AND STRESS TESTS USING THE ANALYTIC AND PRICING MODELS OF THEIR CHOICE;
   3. MARKET PARTICIPANTS, INCLUDING GLOBAL REGULATORS, CAN USE THIS DAILY INDIVIDUAL POSITION LEVEL PERFORMANCE DATA TO IDENTIFY, MONITOR AND MITIGATE RISK USING INDUSTRY BEST PRACTICES.

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