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A step by step guide to open an eUnittrust accountShane See
eUnittrust is one of the first online unit trust platform that offer Malaysian investors an option to take control and manage their own unit trust investment. Launched in 2008, the eUnittrust platform owned by Phillip Capital Malaysia is fast gaining recognition among Malaysian investors thanks to the growth in high speed broadband and smarts phones.
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https://compliancewatcher.com/Home/signup
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To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
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9. Creating a Borrower File Click the “ Homeowner Info” tab to begin creating the Loan Modification file John Doe 123 Any Street Anytown California 90001 USA [email_address] 213-555-1212 213-555-1212 213-555-1212 640 Evening Cell Phone Fair Best Practice: Click the pushpin to keep the window open Click OK to “ save and close” Then click OK to Save & keep working Then click the “ Employment” tab to continue Enter the primary borrower’s Name and contact info Including credit rating and score
10. Creating a Borrower File Mechanic ABC Automotive 321 Anystreet Anytown 90001 213-555-1212 213-555-1212 5 6 Click OK to Save Click Add to enter another employer for the primary borrower Or click the “ Borrower Miscellaneous Income ” tab to continue Enter the primary borrower’s employer name and contact info and record gross and net income from this employer
11. Creating a Borrower File Use this page to document any additional income the primary borrower has if applicable Click OK to Save Then click the “ Co-Borrower ” tab to continue
12. Creating a Borrower File Click OK to Save Jane Doe [email_address] Check the “ Same as Borrower ” box to copy address and phone info from primary borrower. Then add the co-borrower’s name, email address phone numbers and credit rating and score Then click the “ Co-Borrower Employment ” tab to continue
13. Creating a Borrower File Add Co-Borrower employment and Income information Click OK to Save Then click “ Co-Borrower Miscellaneous Income” tab to continue
14. Creating a Borrower File Use this page to document any additional income the co-borrower has if applicable Click OK to Save Then click the “ Household ” tab to continue
15. Creating a Borrower File 2 8,10 The household tab displays annual and monthly income totals Enter the number of dependents and their ages Click OK to Save Click the pushpin icon to allow the window to be closed Click OK to save and close the window
16.
17. Adding Subject Property Click the “ Subject Property ” tab to continue creating the Loan Modification file
18. Adding Subject Property Check the “ Same as Borrower ” box to copy address info from primary borrower. Best Practice: Click the pushpin to keep the window open Choose the type of property from the pull-down menu
19. Adding Subject Property Enter the Assessor’s Parcel Number (If available) 1234567890987654321 Click OK to Save Then click the “ Legal Description ” tab to continue
20. Adding Subject Property Enter the Subject Property’s Legal Description (if available) Click OK to Save
21. Adding Subject Property Click OK to Save and close the window If the borrower owns multiple properties click the Add button to enter that info After entering multiple properties be sure to identify which property this loan modification is in reference to by selecting the appropriate property and click the “ Make Subject Property ” button (if applicable) Click the pushpin icon to allow the window to be closed
22.
23. Adding Borrower Mortgages Click the “ Add Mortgage ” tab to continue creating the Loan Modification file
24. Adding Borrower Mortgages The navigation menu expands to allow you to add the first mortgage for the subject property
25. Adding Borrower Mortgages And opens up the First Mortgage form window for you Best Practice: Click the pushpin to keep the window open Click System Lenders or Branch Lenders to select the lender for this mortgage Check the box next to the lender you want to select Then click OK to close the window and return to the mortgage screen
26. Adding Borrower Mortgages The lender name populates on the loan form page And also populates the lender’s addresses throughout the rest of the lender form pages where available
27. Adding Borrower Mortgages Complete this form with as much information as you have If a field does not apply or the information is not available leave blank Click OK to Save Then click the “ NOD/NOTS ” tab to continue
29. Adding Borrower Mortgages It is essential that you accurately identify whether a mortgage has a Notice of Default or Notice of Trustee Sale on record
30. Adding Borrower Mortgages If a Notice of Default or Notice of Trustee Sale has been recorded check the appropriate radio button and complete the form Be sure to enter the Trustee Sale Number in the appropriate field
31. Adding Borrower Mortgages It is important to note that if a Notice of Default or a Notice of Trustee Sale has been recorded then there will be a Named Trustee and a Trustee Sale Number. Enter the Trustee Sale Number in the “ Sale Number ” field Click OK to Save Then click the “ Trustee ” tab to continue
32. Adding Borrower Mortgages Check the box next to the Trustee Name Then Click OK The Trustee Info is populated on this page Click OK to Save Click the pushpin to allow the page to close Click OK to save and close the window Then click the “ System Trustees” or “ Branch Trustees ” button and on the other Trustee tabs
33. Adding Borrower Mortgages If the subject property has more than one mortgage, click the “ Add Mortgage ” button to continue
34. Adding Borrower Mortgages When the left-hand navigation menu expands click on the “ Second Mortgage ” to continue
37. Adding Borrower Debts Click the “ Debts ” tab to continue creating the Loan Modification file NOTE: The Debts section is used to record actual debts, loans, credit cards, etc. We will address recording Household Expenses such as water, gas, electric, phone, cable, etc. in a separate section.
38. Adding Borrower Debts Best Practice: Click the pushpin to keep the window open Choose the debt type from the pull-down menu
39. Adding Borrower Debts Enter the debt details in the spaces provided Click OK to Save Then click Add to continue
40. Adding Borrower Debts A second debt tab is created Fill out the debt information for Debt 2 in the spaces provided Click OK to Save Then click Add to continue
41. Adding Borrower Debts Continue adding debts by repeating the process for every debt the borrower has Click the totals tab to view the total household debt; not including mortgages Click the pushpin to allow the page to close Click OK to save and close the window
42.
43. Adding Borrower Assets Click the “ Assets ” tab to continue creating the Loan Modification file
44. Adding Borrower Assets Best Practice: Click the pushpin to keep the window open You add Assets in the same way that you add debts. Fill in the fields for the asset.
45. Adding Borrower Assets You add Assets in the same way that you add debts. Fill in the fields for the asset. Click OK to Save Then click Add to continue
46. Adding Borrower Assets Continue adding asset tabs until all household assets have been recorded Click the “ Totals ” tab to view the borrower & co-borrower total assets Click the pushpin to allow the page to close Click OK to save and close the window
47.
48. Adding Borrower Expenses Click the “ Expenses ” tab to continue creating the Loan Modification file
49. Adding Borrower Expenses Enter weekly vehicle expenses like gasoline, tolls, parking, maintenance and weekly groceries expenses NOTE : Do not use this space to enter auto loan payments. Best Practice: Click the pushpin to keep the window open Click OK to Save Then click the “ Monthly ” tab to continue
50. Adding Borrower Expenses Enter monthly household expenses like utilities, telephone, supplies, clothing, education, charitable contributions, childcare, investments, etc. Click OK to Save Then click “ Semi-Annual ” to continue
51. Adding Borrower Expenses Enter semi-annual expenses like automobile insurance, life insurance, property taxes, etc. Click OK to Save Then click “ Annual ” to continue
52. Adding Borrower Expenses Enter Annual expenses like property insurance, gym memberships, subscriptions, etc. Click OK to Save Khafre maintains a running total monthly expenses at the top of the window Click the pushpin to allow the page to close Click OK to save and close the window
53.
54. Uploading Exhibits Click the “ Exhibits List ” tab to continue creating the loan modification file
59. Uploading Exhibits The Exhibit is now saved to your Exhibit List To view the file online click “ Open ” Click the “ X ” to close
60. Congratulations! You have finished creating a new loan modification file!!! … but wait, there’s more…
61.
62. Request Loan Modification File Processing Click the “ Generate Documents ” tab to submit the Loan Modification file for processing
63. Request Loan Modification File Processing Use the “ Choose Mortgage ” pull-down menu to select the mortgage that you want to request the loan modification processing for