LaserPro Powers America s Lenders

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1 LaserPro Powers America s Lenders Compliant Loan Origination, Processing and Document Preparation Solution

2 LaserPro Powers America s Lenders More than 3,200 lenders nationwide depend on LaserPro for compliant loan documents. LaserPro provides lenders of all sizes with the latest technology and the flexibility to produce compliant loan documentation for a wide variety of loan types. For more than 25 years, LaserPro has continually evolved to support the thousands of financial institutions that rely on it to help them comply with state and federal laws, while providing true 50-state banking capability. Well known for its ability to handle the full range of transaction types from originating mortgage and consumer loans, to producing compliant loan documentation for consumer, mortgage and commercial loans LaserPro consistently delivers, wherever and however you do business. LaserPro covers more loan, collateral, borrower, payment and credit life insurance types than any other lending system, which is a result of D+H s commitment to providing the industry s best solution. Step 1 Pull Customer Data Step 2 Originate and Process the Loan Step 3 Document the Loan Step 4 Upload to Core System Customer Information Files Download information from the core system or recall from the LaserPro database. Originate and process consumer and mortgage loans. Access automated underwriting services and supporting information from credit bureaus, appraisal, title and flood services. Process applications and generate commitment letters and disclosures. Generate closing-stage disclosures and documents that are compliant with federal and state statutes and regulations. LaserPro has more than 70 interfaces with core systems and applications from D+H and other providers. Compliance Confidence At the heart of LaserPro is its legal and compliance knowledge base. Supported by a 50-state attorney network, D+H constantly monitors for state and federal regulatory changes to ensure that its solutions meet clients ongoing needs. The result is true 50-state lending capability, allowing clients to make loans in, and take collateral from, any U.S. state. LaserPro documents are also backed by a limited $1 million Compliance Warranty*. *Restrictions apply. See Compliance Warranty for details.

3 Flexible Documents LaserPro produces dynamic documents that set the industry standard for flexibility and capability, providing libraries and standard products that allow clients to add language and even entire documents without costly customization. Furthermore, LaserPro documents and the compliance content can be accessed through a separatelylicensed, service-oriented Application Programming Interface (API), allowing integration with other systems and applications. A Solution that Grows with You Our clients range from de novo institutions to banks with more than $700 billion in assets. All rely on the scalability of LaserPro to grow with their institution. Community financial organizations enjoy it for its one-stop shop capability, the familiar Windows environment and logical workflow. Multi-branch institutions and multi-state institutions leverage the ability to standardize lending policy and products consistently across multiple business units and multiple legal jurisdictions. LaserPro Integration Time is your most valuable commodity. Data entered once should be reusable anywhere, whether originating a loan, opening a second loan for a customer, performing a credit review or opening a new deposit account with the DepositPro compliant account opening solution. LaserPro and DepositPro share a common administrative setup for institution and personnel information and a common customer information database. Getting the Whole Picture The lending products within LaserPro are designed to give you maximum flexibility and productivity to provide superior customer service, facilitating loan application processing, consumer and mortgage loan origination, closing, boarding and credit review. The LaserPro compliant loan document solution includes the following products: LaserPro Commercial Lending LaserPro Consumer Lending LaserPro Mortgage Lending LaserPro Commercial Lending Any Loan, Any Place Whether you are in a large urban environment or a small agricultural community, commercial lending is intricate and extremely important to a lender s success. LaserPro Commercial Lending makes it easy for you to handle the application and closing phases of virtually any commercial loan request, while maintaining document compliance. Covering a full range of borrower, collateral and loan types, LaserPro lets you quickly process a full range of transactions. Use LaserPro Commercial Lending for streamlined small business loans, or carefully craft large commercial deals with several types of business entities, multiple signers and detailed collateral descriptions. It is all carefully designed to let you document your loan with speed, precision and compliance. LaserPro Commercial Application Module The application phase of a commercial credit offers you options to negotiate the terms, fees and conditions you want in your loans. The LaserPro Commercial Application module generates commercial application forms and commitment letters to help you control your risk and deliver a professional proposal to your potential customer. LaserPro goes beyond producing the application form by creating requests for additional information letters and denial documents. LaserPro Commercial Closing Module Once the loan commitment is in place, LaserPro Commercial Closing generates the documents exactly as you have defined them, all in accordance with your standard products and internal policies. With loan closing documents, LaserPro enables you to complete the package with detailed promissory notes, borrowing resolutions, loan agreements, guaranties and security instruments, all with extensive flexibility in the terms and conditions you require. SBA lending is also made easy using the optional SBA Lending Solution module. It is this level of sophistication and productivity that makes LaserPro such a popular system with the nation s leading business lenders.

4 LaserPro Commercial Lending enables your financial institution to: Handle virtually all commercial loans, letters of credit and lines of credit (closed-end and open-end) Complete the loan package with promissory notes, commitment letters, detailed borrowing resolutions, loan agreements, guaranties and security instruments, all with extensive flexibility in the terms and conditions Lend to multiple entity types: individuals, corporations, partnerships, LLCs, sole proprietors, associations, trusts, government agencies or any combination Use multiple payment types: installment, single-pay, balloon, P+I, construction permanent, irregular and line of credit payment types Participate commercial loans to other financial institutions to reduce risk and control exposure (with the optional Commercial Participation module) Engage in SBA lending with the optional SBA Lending Solution module Use multiple collateral types: titled, possessory, real estate, UCC and government contract collateral types LaserPro Consumer Lending Efficient Loan Processing Exactly the Way You Want It In this age of real-time technologies, fast decisions and even faster document preparation are crucial to your success as a consumer lender. Customers want loans processed in hours, even minutes, and LaserPro Consumer Lending delivers. The key is a system that allows you to quickly process consumer applications from cross-selling to closing, while maintaining loan documentation compliance. LaserPro Consumer Lending does that and more, including multi-state lending, interstate branching and collateral documentation for all 50 states. For straightforward, uniform consumer loans, our standard product feature lets you create loan templates, expedite and standardize processing and create consistent documents loan after loan. You also can implement standard workflows to further increase operational efficiency and dramatically speed up consumer loan processing. Consumer lending is not only about documenting approved loans; denied applications also require processing. LaserPro Consumer Lending allows you to process an application from beginning to end, while generating documents based on the status of the loan decision. Whether you need an Adverse Action letter, a Request for Additional Information, or a complete set of loan closing documents, LaserPro does it all. LaserPro Consumer Origination & Processing Module The LaserPro Consumer Origination & Processing module provides financial institutions with comprehensive consumer lending capabilities from within the LaserPro consumer origination and consumer processing workflows.

5 The LaserPro consumer origination workflow provides lenders with tools necessary to originate consumer loans: Consumer application-based workflow: The consumer application-based workflow expedites the data entry process, thus enabling faster turnaround times for consumer applications and your customers. Credit bureau access: The LaserPro consumer origination workflow interfaces with credit bureaus; therefore, originators can quickly pull credit bureau reports, populate credit data to the application and use that data to determine how to proceed with the application. The LaserPro consumer processing workflow provides institutions with: Compliant origination-stage disclosures: Remain compliant with state and federal regulations, while producing documents with near origination delivery requirements. System to track conditions of approval (for example, verifications, appraisals, repairs, etc.): The LaserPro consumer processing workflow includes a system to track the conditions of approval of the loan, either from the Credit Decision window or via the menu system, enabling access to the feature from anywhere in the transaction. If an automated underwriting system is utilized, then conditions provided by the system are displayed. In addition, users have the option to print conditions management documentation. Access to other vendor services: The LaserPro consumer processing workflow provides access to other vendor services, such as flood determination services, including data parsing capabilities (for example, for a home equity loan or for a real estate-secured consumer loan). LaserPro Consumer Doc Prep Module The LaserPro Consumer Doc Prep Module enables your financial institution to: Generate closing-stage disclosures and documents that are compliant with federal and state statutes and regulations, including personal loans, home equity lines of credit and Purchase Money HELOCs Use multiple payment types: installment, single-pay, balloon and construction-permanent payment types Lend to multiple entity types: individual and trust borrowers Use multiple collateral types: titled, real estate, UCC and possessory (for example, stocks, bonds and deposit accounts) LaserPro Mortgage Lending For originators of residential mortgage loans, LaserPro Mortgage Lending offers the functionality and performance needed to provide faster and more informed service, while reducing loan costs. Wherever your collateral is and wherever you lend in the U.S., LaserPro Mortgage Lending gathers the right information and produces documentation that complies with appropriate federal and state statutes and regulations. Bring Strength to Your Real Estate Lending Process LaserPro generates compliant origination- and closingstage disclosures, as well as the Fannie Mae 1003, 1008 and verifications; Truth in Lending disclosures; the Good Faith Estimate; HUD-1 and HUD-1A Settlement Statements and other documents required by Real Estate Settlement Procedures Act (RESPA) and Regulation Z.

6 LaserPro Mortgage Origination & Processing Module The LaserPro Mortgage Origination & Processing module provides financial institutions with comprehensive mortgage lending capabilities from within the LaserPro mortgage origination and mortgage processing workflows. The LaserPro mortgage origination workflow includes features crucial to originating mortgage loans: 1003-based data entry: Loan processors can enter application information into the 1003, and then submit the 1003 data to a credit bureau and to Loan Prospector or Desktop Underwriter for an automated underwriting recommendation. This functionality eliminates duplicate data entry, which improves operational efficiency and reduces errors to mitigate operational risk. Credit bureau access: The LaserPro mortgage origination workflow interfaces with credit bureaus; therefore, originators can quickly pull credit bureau reports and populate that data into the application and use it to determine how to proceed with the application. AUS (Automated Underwriting Service) connectivity to Loan Prospector and Desktop Underwriter: The LaserPro Origination workflow offers connectivity to automated underwriting services, specifically Loan Prospector and Desktop Underwriter, to enable loan originators to access underwriting recommendations after submitting the 1003 application. The LaserPro mortgage processing workflow provides the tools necessary to process mortgage loans that are compliant with federal and state statutes and regulations: Compliant origination-stage disclosures: The LaserPro mortgage processing workflow enables institutions to remain compliant with federal and state statutes and regulations while producing documents with near origination delivery requirements, including Preliminary Truth in Lending Disclosures, the Good Faith Estimate and Early ARM Disclosures (via the optional Early ARM Module). Other documents, including Rate Lock Agreements and Commitment Letters, are also provided. System to track conditions of approval (for example, verifications, appraisals, repairs, etc.): The LaserPro mortgage processing workflow includes a system to establish and track conditions of approval of the loan, either from the Credit Decision window or via the menu system, enabling access to the feature from anywhere in the transaction. If an AUS is used, all conditions of approval supplied by the AUS are prepopulated to the conditions list for tracking. In addition, users have the option to print conditions management documentation. Access to flood determination services (including data parse): The LaserPro mortgage processing workflow provides access to flood determination services, including population of flood data into the transaction. LaserPro Mortgage Loan Delivery Workflow Available to LaserPro Mortgage Origination & Processing module clients, this post-closing workflow facilitates creation of the Uniform Loan Delivery Dataset (ULDD)- compliant export file for later import to the Fannie Mae or Freddie Mac selling systems. LaserPro Mortgage Doc Prep Module The LaserPro Mortgage Doc Prep module enables your financial institution to: Manage compliance with the Real Estate Settlement Procedures Act (RESPA) Generate compliant mortgage closing-stage disclosures, including the Truth in Lending Disclosure and the HUD- 1/HUD-1A Generate a document set that includes secondary market Notes, Riders, Addenda and Security instruments necessary to support secondary market loan programs, whether fixed rate or adjustable rate (Treasury, LIBOR, Cost of Funds), including Installment, Balloon and Interest Only payment structures LaserPro is the industry s most innovative compliant loan origination and processing solution. Rely on D+H to ease your compliance burden so you can focus on increasing profitability. For more information about LaserPro, contact us at or dh.com/contactus

7 Integrated Solutions Extend the capabilities of LaserPro with integrated solutions and optional modules to maximize your investment and stay competitive in today s market. Manage Commercial Credit Risk CreditQuest is an end-to-end commercial credit management system that brings origination, analysis, underwriting, documentation, portfolio management and executive reporting together in a single solution. Managing credit and operational risk for the spectrum of commercial facilities, CreditQuest integrates with LaserPro for compliant loan documentation. Manage Consumer Credit Risk While Increasing Loan Volumes Expand the power of your consumer lending process with DecisionPro, a fully automated risk management solution that offers efficient and consistent consumer credit application underwriting. Streamline Account Opening DepositPro is a deposit account opening solution that guides front-line staff through account opening, streamlining the entire process and culminating in compliant document preparation. Streamline SBA Lending Reduce credit risk and boost the efficiency of your small business lending process with the SBA Lending Solution. Use a single application that is integrated with LaserPro to complete your SBA loan package, eliminating duplicate data entry. Further expedite transactions by submitting requests for loan guaranties electronically through the SBA E-Tran system. Move One Step Closer to Paperless ProSign is an electronic signing solution integrated with LaserPro for loan closing and DepositPro for account opening. The ProSign workflow helps you efficiently manage the account opening and loan closing processes no more missing documents or missing signatures. Electronically sign documents in the branch with a signature pad, ipad or other tablet computer, then send the completed package directly to your imaging system, eliminating the need to scan most documents. Documents can also be edelivered and electronically signed remotely through D+H s partnership with elynx, a leader in the esignature space. elynx s cloud-based platform expedite allows documents to be delivered and signed anytime, anywhere. Expedite also supports the inclusion of third party documents like appraisals, to supplement your LaserPro delivery while maintaining full audit trails so you remain compliant. Customize Your LaserPro Documents Commercial loan transactions vary in complexity. Use LawyerPro to convert any LaserPro document to Rich Text Format, making it editable in word processors such as Microsoft Word. Standard policies and content are preserved and you gain the flexibility to accommodate any deal. Control Risk and Use Capital for Growth Loan participations help you balance your portfolio, limit your exposure for various industries and loan types, and make loans that may exceed your maximum loan limits. Commercial Participation for LaserPro helps you ensure that the documents support the precise role you wish to take as lead institution, maintain a high level of control over the fees and revenue that flow through a participation and simplify participation management and servicing. Standardize and Geocode Addresses Reduce the costs of mailings and better target your sales campaigns using GeoPro, a geocoding solution integrated with LaserPro. GeoPro compares addresses in your database against the U.S. Postal Service s database to correct errors and flag inconsistencies. GeoPro also stores census tract, MSA and other data for CRA reporting. Core System Integration LaserPro interfaces with D+H s bank, credit union and thrift core systems to accelerate workflow for operational efficiency, helping to eliminate data re-entry and minimize errors. In addition, LaserPro interfaces with more than 70 core systems. And Many More D+H tailors the specific LaserPro functionality licensed to each financial institution to best suit their lending needs. Therefore, depending on your purchasing decision, you may not have access to all of the features referenced in this brochure. There are many other companion solutions in addition to those described here.

8 LaserPro Powers America s Lenders D+H is a leading North American provider of secure and reliable technology solutions to domestic and global financial institutions, with a reputation for being a trusted partner that helps clients build deeper, more profitable relationships with their customers based on rich industry and market insight, and consumer knowledge. Today, over 6,200 banks and credit unions rely on D+H to deliver solutions across three broad service areas: Banking Technology Solutions (Enterprise, Lending); Lending Processing Solutions; and Payments Solutions. Our integrated, compliant technology solutions enable clients to grow, compete, and optimize their operations, while our forward looking approach helps them stay ahead of the market and anticipate changing consumer needs. D+H is one of the world s top FinTech companies as measured on the FinTech 100 list and recognized on the Branham 300 ranking as one of the top ICT companies in Canada. D+H D+H USA Corporation. All Rights Reserved. DecisionPro is a trademark and DepositPro, GeoPro CreditQuest and LaserPro is a registered trademarks of D+H USA Corporation. All other product names or brand names are trademarks and/or service marks of their respective owners, may be registered, and should be treated appropriately. dh.com