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When it purchases mortgage loans, Titularizadora Colombiana engages the mortgage banks for servicing those mortgage loans. Therefore, as managers of the underlying assets, we conduct audits and follow-ups to the servicers´ activities. Servicers perform the tasks associated with collection, accounting, customer care, and recovery by applying different strategies determined by each entity supported by their own applications. In this regard, our company does not have a mortgage loan servicing department since we do not perform such activities directly.