Press Release

GMAC MORTGAGE TAKES FIRST STEP TO SERVICE eMORTGAGES

HORSHAM, PA. - October 24, 2005 - GMAC Mortgage Corporation (GMACM)
announced today it is the mortgage industry's first investor able to
purchase a correspondent loan with an eNote, complete the sale of the loan
on the secondary market and service the eNote.

Under a licensing agreement with Document Processing Systems, Inc.
(DPS), GMACM and GMAC Bank will use eMortgage Studio™ software to interface
with the MERS® eRegistry, the electronic system of record that
maintains current information on eNote ownership, servicing and location.

A host of GMACM and GMAC Bank activities benefiting from a paperless
process will take advantage of this new platform. Lending and servicing
functions in support of electronic loans through GMAC Bank's 3D
Wholesale program will be completed via eMortgage Studio's secure Web portal.
GMAC Bank's Correspondent Lending Division will use eMortgage Studio to
execute transfers of control and update the eRegistry when purchasing
and selling loans that have been originated and closed electronically.
Additionally, GMAC Mortgage's Servicing Division will use the system to
handle payoffs, assumptions and other operations requiring changes to
the eRegistry's records.

"Servicing an eNote is an enormous first step to originating and
servicing electronic mortgages," said Joanne Wight, VP of Correspondent
Lending Operations at GMAC Bank. "Not only do GMACM and GMAC Bank have an
immediate ability to participate in the eMortgage marketplace, we can
also offer a solution for lenders seeking secondary market investors who
are equipped to handle eNotes. This will be a significant competitive
advantage as paperless loans gain popularity within the mortgage
industry. eNotes and eMortgages are the final step in GMAC Bank Wholesale's
paperless vision."

The advantages of paperless mortgages are many. Due to lower costs of
handling and greater access to information, loans backed by eNotes are
more valuable to investors than equivalent loans backed by paper notes.
The MERS eRegistry enables lenders to sell these higher value eNotes on
a best execution basis. Additionally, loan originators can now sell the
servicing rights to eNotes without waiting several months for the
processing of paper documents or the pooling of multiple loans,
substantially increasing their revenues. Mortgage servicing companies incur
substantial cost savings with eMortgages, including quicker financial
transactions and a reallocation of resources.

"Our agreement with GMAC Mortgage and GMAC Bank marks a milestone for
the mortgage industry," said Ted Morse, Executive Vice President of
Business Development for DPS. "Last year, our eMortgage Studio became the
first system to complete fully paperless, all-electronic mortgage
closings and register eNotes with the MERS eRegistry. Earlier this month, the
platform was used to execute the industry's first cash sale of an
electronic mortgage loan. And now, GMAC Mortgage and GMAC Bank have invested
in our technology, helping to accelerate the adoption of electronic
mortgages and revolutionize the industry as we know it."

GMACM and GMAC Bank's eNote transactions will be the first to
incorporate a third-party originator with a wholesale conduit, as all prior
eNote transactions were completed by retail originators.

About GMAC Mortgage
GMAC Mortgage Corporation, a wholly owned subsidiary of Residential
Capital Corporation (ResCap), is headquartered in Horsham, PA. GMAC
Mortgage is among the nation's top ten residential mortgage servicers and
originators. As of December 2004, the company's servicing portfolio of
more than $214 billion represents nearly 2 million customers throughout
the nation.ý GMAC Mortgage is an established leader in the development,
implementation and administration of customized subservicing programs
for financial institutions, government sponsored enterprises, specialty
finance companies, insurance companies, utility companies and
investment banking firms. The company offers a full range of branding options to
support the servicing of multiple products, including first mortgages,
home equity loans and lines and unsecured consumer credit, as well as
multiple asset grades, including non-prime and non-performing loans.

About Document Processing Systems
Document Processing Systems (www.documentprocessingsystems.com) has
been a respected pioneer and leader in the mortgage technology industry
since its inception in 1982. Hundreds of prominent mortgage banking
firms, established mortgage brokers, mortgage bankers and credit unions use
DPS' flagship Web-enabled Direct-Docs® closing document preparation
service. The company's DPS eMortgage Studio is the first end-to-end online
service for paperless mortgage closings, offering a set of integrated
Web-based services that can be accessed in a single online location by
all parties in the mortgage value chain.

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