Overture Technologies has deep roots in and around some of the most innovative ideas in the financial services industry. Overture Technologies was launched to take automated underwriting systems to the next level - and to new industries. Seeing the opportunity to bring efficiency and clarity to educational financial aid, Overture launched Conductor, a SaaS-based financial aid award communications platform, Needs Analyzer, an aid calculation system, and Student Loan Marketplace, an online portal offering students the ability to compare, apply and be approved for loans. And, in 2010, in response to the US Department of Education and Consumer Financial Protection Bureau's prototype, Overture produced its Net Price Calculator, a SaaS application that enables schools to publish their costs, financial aid and financing options for students.Today, over 300 schools and lenders utilize our higher education technology solutions. For the mortgage industry, the firm created Mozart AUSTM, a fourth-generation automated underwriting, product selection and pricing engine designed for both non-conforming and conforming loans. In 2005, Overture leveraged its considerable experience in normalizing industry data by introducing a data mapping and conversion tool that enabled merging and analysis of data from disparate sources.And, in 2009, Overture extended the benefits of automated underwriting to defaulted loan resolution by automating the US Treasury department's mortgage loan modification programs, as well as other private modification initiatives. Today, Overture is utilizing the latest data extraction technologies and new electronic data delivery sources to extend the benefits of automated underwriting and analytics even further in residential mortgage finance.And, our customers are applying it to more financial products, such as small business loans and home equity loans.