Knowledge Decision Securities LLC (KDS), www.knowledgedecisionsecurities.com a San Francisco based company, provides cutting edge credit-risk technology in data-centric fixed income research and analytic services for the financial industry. KDS specializes in maximizing profits by extracting information from loan-level data and applying that knowledge to pricing loans or mortgage-backed and asset-backed securities. KDS delivers state-of-the-art data-centric on-demand services and cutting edge research on prepayment, default, delinquency and loss modeling, as well as provides consulting services in database management, static pool analysis, term structure modeling, advanced interest rate modeling, OAS analytics and risk management. KDS service caters to mortgage issuers and servicers, banks, investment banks, finance companies, broker-dealers, rating agencies and most importantly, the fixed income investor. KDS offers our clients with the critical mass of resources and experience to get