management is committed to improving countrywide s performance and profits by expanding its loan servicing portfolio through considerable wholesale retail networks diversifying into ancillary business lines as well international operations strategy capitalize on superior automa tion innovative vertical integration highly tenured team sound internal controls maximize cost efficiencies minimize risk standard & poor believes that positioned achieve stated goals anticipates will continue be a competent servicer in the conventional subprime subordinated lien asset sectors of residential market ranking for home loans inc wholly owned subsidiary credit industries affirmed at strong special alternative rankings are based company level automation control environment thorough policies procedures excellent training regimen demonstrated default expertise successful execution strategic initiatives continues improve operating investing technology
