EmphaSys Technologies, Inc. (ETI), a consulting firm based in the Philadelphia area, provides structured finance analytics, bond administration, loan portfolio accounting and consulting services to banks, underwriters, major trustees, asset managers, servicers, and issuers of mortgage and asset backed securities and other structured finance vehicles. ETI, in business since 1988, has provided analytic services on over 2,000 securitized transactions. We currently provide services on over 1,300 transactions, secured by a variety of assets, including residential, home equity, and commercial mortgages, manufactured housing receivables, leases, underlying REMIC securities, and automobile loans.