Compliant GFE Data Backed with a Guarantee. Mitigate you tolerance violations.

1. There is a better way… Industry Leading GFE Automation Solution

5. Service Provider, Transfer Tax & Recording Fee Data Maintained In Our Proprietary Database

7. Asbestos Inspection

8. Chimney Inspection

9. EIFS Inspection

10. Energy Audit

11. Geotechnical Engineering

12. Homebuyer Counseling

13. HVAC Inspection

14. Lead Inspection

15. Mold Inspection

16. Plumbing Inspection

17. Pool and Spa Inspection

18. Radon Inspection

19. Roof Inspection

20. Septic Inspection

21. Structural Engineering

22. Thermal Inspection

23. Underground Storage Tank Inspection

24. Water Quality / Well Inspection

25. Title Insurance

26. Escrow/Settlement

27. Closing Attorney

28. Notary

29. Appraisers

30. Natural Hazard Disclosure

31. Pest Inspection

32. Home Warranty

33. Land Survey

36. Create A “White List” Of Providers & Custom Business Rules

37. One Pull Functionality For Blocks 3-8

38. Customizable To Company Level, Branch Level Or Individual User

39. Develop Custom Rate Cards For Title Including Preferred Rates

40. Create Auto Selection Rules For Providers – Anti-Steering

41. Improved Recording Fee And Transfer Tax Engine that Produces RESPA Compliant Quote With Little User Interaction

42. ® The SmartGFE Solution Savings For A Lender Processing 10,000 Loans/Year 10,000 10,000 Number Of GFE’s Per Year Number Of Mortgage Loans Closed Per Year 5,000 5,000 Hourly Rate Of GFE Processor $20 $20 Time Spent Creating A GFE 60 Minutes 5 Minutes Labor Cost To Create A GFE $20 $1.67 $16,700 Annual Labor Cost To Create All GFE’s $200,000 Average RESPA Tolerance Violation Per Closed Loan $75 $0 Total RESPA Tolerance Violations Per Year $375,000 $0 Annual Savings With The SmartGFE® $558,300

43. ® The SmartGFE Wholesale Lending Solution Key Benefits Stay Compliant Eliminate Tolerance Violations On Improperly Disclosed Broker Files Increase Efficiencies Eliminate The Need To Manually QC Block 3-8 Integrated Solution Integrate Directly Into Wholesale LOS Platform Value Added Service For Brokers Provide Your Broker With A One Click GFE Solution

45. Compliance Certificate & Audit Trail Established Within Lenders LOS Mortgage Broker Originates Loan. Uploads Initial Data To Lender Within Three Days Of Application & Creates SmartGFE Compliance Certificate Audit Trail Mortgage Broker Completes Loan Processing & Submits Complete File For Underwriting

46. Processing Efficiencies – Wholesale Lending • No Need To Manually QC Broker Files For GFE Accuracy • Broker Sets And Maintains White List Of Rules For Their Preferred Providers. This Includes Access Codes For Preferred Vendor Rates. No Input Or Maintenance Is Required From Lender • In The Event Of A Changed Circumstance, Lender Has Admin Rights To Edit GFE • Broker's Preferred Providers Follow Loan File • SmartMonitor Alerts Processor If There Is A Change in Recording Fees Or Transfer Taxes All Block 3 – 8 Data Is Backed By A Compliance Guarantee