E-Closing Reference Manual

E-Closing Reference Manual PO Box 93 Pembroke NH 03275 Phone: (603) 485-7951 Fax: (603) 375-0325 Email: Marc.Hall@e-closing.com

E-Closing Reference Manual 1 WELCOME...4 A Note about monitor settings 4 Viewing reports in Acrobat Reader.4 A Note about screen images in this manual 4 NAVIGATION..5 Using a web-based application 5 E-Closing Log In.6 E-Closing White Board MENUS...7 Status Legend..7 Current Files 7 Menu Bar 7 Log Out...7 Select File 7 Creating a New File 8 Example of a New File...8 Copy New File 9 File Check Out/In.10 Rapid Note Entry..11 Escrow Accounting 11 Deposit Menu 11 Reconciliation Menu.12 Bank Reconciliation..14 Bank Account Registers...15 Invoicing Menu.15 Adjustments...16 Files Out of Balance (Report) 16 1099 File Summary (Report).17 1099 Submission...17 Consolidated Checks and Consolidated Check Report..17 Check Register Query 18 Rapid Receipt Entry...18 Title Insurance Remittance.18 Title Insurance Remittance Report.19 Bank Setup.20 Positive Pay 20 Positive Pay Submission 20 Documents...21 Generate Documents...21 New Files Report 21 Closed File..21 Closing Schedule 21 Regional Closing Schedule 22 MTD Closings 22 Schedule By Office 22

E-Closing Reference Manual 2 Daily Office Schedule 22 Shipping Label...22 Delete Shipping Label 23 FedEx Proof of Delivery 24 Rapid Barcode 24 Add a Document.24 ReportWriter...25 Back Office..25 Event Menu.25 Scheduled Events 25 Manage Events List.27 Manage Event..28 Manage Checklist 29 Rolodex Menu 30 Managing Offices 32 Managing Rooms.33 Deleting Entries from the Back Office 33 Documents Menu 34 Managing Document Packages 34 Scanned File Names.35 Manage Boilerplate...36 Placing Boilerplates in Text Description.37 Manage Email Master..38 Misc. Menu..38 Manage Users..38 User Status...39 Security Level..39 User Security Setup.39 Title Insurance Rates...40 Endorsement Overrides...40 Order Type Codes 41 White Board Setup..41 Manage Payoff Master 42 Manage Teams 42 Manage Holidays 43 Messaging...43 Data Export.44 E-Closing File MENUS...44 Close Window..44 File Summary...44 Maintain File 45 Borrower Information.45 Lender Information 46 Seller Information...47 Property Information...48 Financial Information..49

E-Closing Reference Manual 3 Payoff Information.50 Payoff CC...51 Tax/Fee/Pro-Ration Info.52 Insurance Information 53 Reserve Information...54 Title Policy.54 Chain of Title..56 Encumbrances.56 Exceptions...56 Recording Information 56 File Text Blocks/Text Description..57 Complete Schedule Events..58 Miscellaneous Change.59 Upload File..59 Lookup Ernst Data...59 Escrow Acc...59 Credit Information...59 HUD Maintenance...60 Receipts 61 Deposit Menu...61 Disbursements..61 Net Fund Disbursements..62 POC Disbursements.63 Invoice Menu...63 Create Invoice 63 Payments...64 Escrow Detail by File...64 Print/Void Checks 64 Manual Checks/Wires..65 Bank Activity Report...65 Check Register Maint..65 Documents 65 Generate Documents 66 Show Scanned/Saved or Deleted Documents..67 Shipping Labels...67 Delete Shipping Label..68 Scanned File Barcode...68 Back Office...68 Event Menu..68

E-Closing Reference Manual 4 WELCOME E-Closing is a definitive web-based real estate, title, escrow and closing software application. It allows the user to easily and efficiently manage all aspects of a company s processing. A company can also allow outside parties to access certain features of E-Closing through a secure web connection, which makes E-Closing a very flexible program that can stand up to the demands of the title processing industry. A Note about monitor settings E-Closing is best viewed in the latest version of Microsoft Internet Explorer, with the monitor set to a resolution of 1024x768 pixels. To change the monitor s settings on a user s Windows PC, select Start Menu > Settings > Control Panel then Display > Settings and select the recommended screen resolution. Viewing reports in Acrobat Reader In order to view and/or print a document from E-Closing, you will need to have Adobe Acrobat Reader installed on your PC. Reader is a free program that you can download from www.adobe.com. A Note about screen images in this manual The screen images in this manual have been taken from E-Closing, running on Microsoft Internet Explorer version 6.0, and most have been cropped to highlight certain portions of E- Closing. The pages on users screens will show the full image, as long as their monitors are set according to the criteria described above.

E-Closing Reference Manual 5 NAVIGATION Using a web-based application E-Closing is a web-based application accessed through an Internet browser program such as Microsoft s Internet Explorer. The pages within E-Closing, therefore, behave just like web pages viewed whenever one uses the Internet. For example: Actions are performed by a single click of the mouse. Click on hyperlinks to access different pages within E-Closing. Menus in E-Closing are roll-over menus: simply placing the mouse pointer on top of the menu title causes the menu to drop-down and present a list of hyperlinks. Data is saved automatically when E-Closing performs an action (for instance, by clicking Update Information or Continue ). And finally, the pages in E-Closing are dynamic that is, each page is recreated every time the user updates the screen. Because of this, do not use the browser s back or forward buttons they will link to out-of-date information and the page will have to be refreshed. The best way to access the desired page is by using E-Closing s controls, described below. Most users navigate the Internet with the mouse pointing and clicking. There are, however, built-in keyboard commands on most web pages for navigating through fields and pages with the keyboard. These commands are active in E-Closing. TAB KEY: navigate through fields. SPACE BAR: check or uncheck a box; select or deselect a radio button. ARROW KEYS: Scroll through E-Closing drop-down menus within fields. RETURN: Click buttons that are shaded, like the Update Borrower button below: Figure 1: Shaded Button: The Update button is shaded; the Delete button is not. There are several basic command buttons in E-Closing. Command buttons tell E-Closing to perform actions Update, Continue, and Delete are the most common. The user will also come across Find Files and Create Document, among others. Clicking a command button automatically takes the user to the next step in the process, or the next appropriate page. As soon as the user clicks a command button, the information added, changed or deleted is processed and saved. If the user wants to access E-Closing pages out of order, the user can simply click on that page s link in the menu lists.

E-Closing Reference Manual 6 It is IMPORTANT to note that whenever a user clicks a command button the information entered on the current page will be saved. The ONLY way to cancel an action of a page is to click on another screen. Note: When entering dates and times, punctuation is not needed. Just enter, for dates, MMDDYY. For 1999 and earlier, you ll need to enter all four digits of the year. For times, just enter HHMM, as in 1230, or 0730. E-Closing will fill in the punctuation. E-Closing Log In To get started, click the purple Enter button on the middle left of the screen. Figure 2: E-Closing Home Page E-Closing will forward the user to the log-in screen. When the user logs in with the user name and password, E-Closing opens the White Board (see Figure 3). Figure 3: White Board

E-Closing Reference Manual 7 E-Closing White Board MENUS The White Board is the Command Central of E-Closing. The White Board is the first thing the user sees after logging in and the last thing seen before logging out. There are three elements to the White Board: Status Legend, Current Files and Menu Bar. Status Legend Only events that have been assigned to show status on the White Board will appear across the status legend line. When a file has events scheduled, the event color will appear in the status column within each file. See Manage Events List covered later in this manual. Current Files All the current open files are viewed on the White Board. The view of the White Board is customized to each user. See White Board set-up under Back Office, Misc. Menu covered later in this manual. Menu Bar There are five menus across the top of the page in E-Closing: Log Out, Select File, Escrow Accounting, Documents and Back Office. These menus contain links to view data from a company perspective. E-Closing only allows the user to make changes to one file at a time. Should the user need to have multiple current files open at one time, the user may simply minimize the current screen and select a file from the White Board. Once any action is done from the White Board, a new window will open. Log Out To log out of E-Closing, simply click the Log Out button at the left end of the Menu Bar. Log Out only appears on the White Board. When the user is on any other page, Close Window appears on the left of the menu bar. Select File When a user wants to work on an existing file, or create a new file, there are several options for accessing it. (See Figure 4)

E-Closing Reference Manual 8 Figure 4: Select File Menu The user may select any active file within the White Board by clicking on the file. Users may also access active or inactive files by the property location, borrower or seller names, or by file or look-up number. Select the desired search method, type the address, name or file or look-up number in the appropriate fields, and then click Find Files. Users can also create a new file from scratch or copy data from an existing file E-Closing will take users step by step through the file creation and the file copy process. Creating a New File Users don t need much initial information to create a new file in E-Closing. A new file is created as soon as the borrower s name is entered, so a user can begin entering information even with a minimum amount of data. E-Closing does not require that all the information be entered in a certain order. All the pages in the file creation process may be accessed from the Maintain File menu at any point during the file process. If certain information is missing or incomplete, skip to the next step or complete the information available and fill in the blanks later. If the information already entered needs to be changed, users simply select the appropriate page from the Maintain File menu, change the information, and click Update. Example of a New File Let s create a new file. Place the mouse on the Select File menu and scroll down to Create New File, as in Figure 5. Select Create New File by clicking once on it.

E-Closing Reference Manual 9 Figure 5: Create New File Select the region from the drop-down menu if your company organizes transactions by territory. Enter the first and last name of the primary borrower in the proper fields. Select your team name, if applicable Enter the Lookup Number, if applicable Enter the Projected Close Date. Select the Title Processor, Closer, Attorney and Notary Select the Checklist file, if applicable Select the Escrow Accounting Type Click the Create File button. The new file is now active. The user can continue to enter the borrower information or access any page under Maintain File to begin processing the file. Copy New File The Copy New File feature enables users to create a new file from data in an existing file. It also allows users to move data from one file to another. See Figure 6, for an example of the copy process.

E-Closing Reference Manual 10 Figure 6: Copy New File Enter the file number from which to copy > tab > the name of the file to copy will appear Select to Copy the data to a NEW File or to an EXISTING File. Note: If the user selects to move data to an existing file, a new box ( Copy to File ID) will appear. Select the screens of data to move by clicking the appropriate boxes. It is IMPORTANT to NOTE that all data in the chosen data screens will be moved. Users will need to verify all fields within the copied screens for accuracy. Click the Copy Data button to update the copy. Once the screen is updated, E-Closing will create the new file and move the data from one file to the next. When a new file is created the file number will be the same as the file it was copied from with an A added to the end of the number. File Check Out/In This tool allows companies to track the physical location of any hard file. When the hard file is taken out or returned to the file cabinet, the user would check out/in the file. See the example in Figure 7.

E-Closing Reference Manual 11 Figure 7: File Check Out/In Rapid Note Entry The Rapid Note Entry feature enables the user access to attach a note to several files at one time. See Figure 8. Simply add the message to the note box then enter the files to be attached. Figure 8: Rapid Note Entry Rapid Schedule Complete The Rapid Schedule Complete feature enables the user access to complete an event for several files at one time. Simply choose an event from the drop-down menu, enter the date and time completed then enter the files. Escrow Accounting The user enters the Escrow Acc. area from the White Board to process company wide banking and other financial functions.

E-Closing Reference Manual 12 Deposit Menu Figure 9: Deposits Figure 10: Deposit List Reconciliation Menu Figure 11: Clear Bank Entries Figure 12: Clear Bank (Money)

E-Closing Reference Manual 13 Figure 13: Bank Reconciliation Set-up

E-Closing Reference Manual 14 Bank Reconciliation To balance bank accounts, select Bank Reconciliation under Escrow Acc. See Figure 14. Figure 14: Bank Reconciliation Choose the desired bank account and statement date. When the user selects the statement date, the balances, service charge and interest will show in the fields. Click Start Reconciliation. Figure 15: Bank Reconciliation

E-Closing Reference Manual 15 Bank Account Registers Users may run company wide bank reports for each bank account created within E-Closing. Figure 16: Bank Account Registers Invoicing Menu In the Invoicing Menu users have the ability to generate status reports on invoices that were created within each file. These reports vary from invoice and payment history to inquiry status per client. Figure 17: Unpaid Invoice Report Figure 18: Statements

E-Closing Reference Manual 16 Figure 19: Payments Figure 20: Client Invoice Inquiry Figure 21: Client Payment Inquiry Adjustments Users may create adjustments for each bank account created within E-Closing. Figure 22: Check Register Adjustment Files Out of Balance (Report) This report lists all files that are out of balance. Figure 23: Files Out of Balance

E-Closing Reference Manual 17 1099 File Summary (Report) Figure 24: 1099 File Summary 1099 Submission Please contact the E-Closing Support line for more information. Consolidated Checks and Consolidated Check Report Within each file of E-Closing, the user can choose to consolidate disbursements. One example of a disbursement that could be consolidated is the title insurance premium. Since most files include title insurance, this feature saves time by creating one check per designated time frame (daily, weekly or monthly). Then the user may create a detailed report to accompany each check. Figure 25: Consolidated Checks Figure 26: Consolidated Check Report

E-Closing Reference Manual 18 Check Register Query This tool enables the user to quickly reference the status of any check. Figure 27: Check Register Query Rapid Receipt Entry Rapid Receipt Entry allows the user to enter multiple receipts without going into individual files. All receipts from one source can be entered into E-Closing on one screen. Click on Enter a New Receipt. The following screen will appear. See figure 28. The name entered should be the source of the receipt. Fill in the receipt date and all appropriate fields. E- Closing will not allow the user to enter a receipt that is not expected or that has already been entered. Figure 28: Rapid Receipt Entry Title Insurance Remittance This feature allows the user to calculate the remittance due to the underwriter. First, choose the underwriter from the drop-down menu and click Start Remittance. Next, choose which entry to update by clicking on the check box on the left-hand side and click Update Remittance. Finally, the user can choose to print the remittance. See Figure 29.

E-Closing Reference Manual 19 Figure 29:Title Insurance Remittance Title Insurance Remittance Report By choosing this option, the user is brought directly to the page that allows for printing the title insurance remittance described previously in this manual. Figure 30: Title Insurance Remittance Report

E-Closing Reference Manual 20 Bank Setup The bank setup feature is for the user to enter bank information. By selecting this option the user can either update the information for a bank that has already been entered or the user can enter a new bank. To enter a new bank choose Enter New Bank and fill in the appropriate information. Figure 31: Bank Setup Note: In order to complete the Check Form the user must contact E-Closing support. Positive Pay Setup To add a new entry to the positive pay setup, click on Enter a new setup and fill in the appropriate information and select Update Setup. Positive Pay Submission To use this tool, the user simply chooses a bank from the drop-down menu and click on Submit Positive Pay.

E-Closing Reference Manual 21 Documents Entering the document area from the White Board allows the user access to company-wide reports. Other features include automated Shipping Label, FedEx Proof of Delivery, Rapid Barcode and Add a Document. Note: The FedEx feature is only available if your company has subscribed for the service. Generate Documents By choosing Generate Documents from the White Board the user is able to view any report by clicking on the name of the package. New Files Report This tool allows the user to create a new file report by simply choosing how to sort the output by selecting one of the options from the Sort Output By menu. Closed File Report Just as the user can create a new file report, a closed file report can also be created in the same way. Choose how to sort the files by selecting an option from the Sort Output By menu. Closings Schedule This tool allows the user to create a report of any closings that take place. Choose what to include in the report by selecting from the Report by drop-down menu. Then click on Create Report. When the report is created, at the same time the Monthly View of Scheduled Events appears as well. This is described later in this manual under Back Office, Events Menu, Scheduled Events.

E-Closing Reference Manual 22 Regional Closings Schedule By selecting which region or regions, which team or teams, and what to include in the report by using the drop-down menus, the user can create a report listing all of the closings in a specific region. MTD Closings By simply entering the desired date, the user is able to create a report of all the MTD closings for the year to that date. Schedule By Office This tool allows the user to create a document listing all of the events that take place in an office between the given dates. Just choose which office from the drop-down menu and give a Begin date and an End date then click Create Document. Daily Office Schedule The user is able to create a document listing the office schedule for a given day. Shipping Label Users have the ability to create FedEx shipping labels within E-Closing. See Figure 32.

E-Closing Reference Manual 23 Figure 32: Shipping Label The user would simply complete the name and address lines followed by the delivery questions and then click Create Shipping Label. The label is then printed and attached to the shipping package. Delete Shipping Label To delete a shipping label choose Delete Shipping Label. Enter the tracking number to be deleted, verify the correct information then click Delete Shipping Label. Figure 33: Delete Shipping Label

E-Closing Reference Manual 24 FedEx Proof of Delivery This feature creates a letter which includes tracking and delivery information. Rapid Barcode This tool allows users to create barcodes for several documents at one time. First choose the name of the documents to be scanned, complete the email addresses (if applicable), enter related file ID numbers and then click Create Barcodes. Figure 34: Rapid Barcode Add a Document Users are able to create documents in their company s system and upload these customized templates to E-Closing. Figure 35: Add a Document

E-Closing Reference Manual 25 ReportWriter ReportWriter is a tool that walks the user through the steps of creating a new report. ReportWriter has its own reference manual. Back Office The Back Office is E-Closing s internal management area. Back Office is where each company s administrator establishes users and applies security settings which determines what part of E-Closing each user may access. The administrator also creates and maintains the office and room details, document packages, boilerplate language and title underwriters and rates. The Back Office also includes the Scheduler. The Scheduler is where all event activity is scheduled. Event Menu Scheduled Events The E-Closing Scheduler allows users to schedule all office events, from meetings to vacation time to closings and title searches, and attaches participants and rooms to the events. Note: Manage all participants and rooms through Manage Rolodex, Manage Offices, Manage Rooms and Manage Users, covered later in this manual. The user may access the Scheduler by clicking Back Office, Events Menu then Scheduled Events from either the White Board or the File Summary page.

E-Closing Reference Manual 26 Figure 36: Monthly View Once the scheduler has been selected, the Scheduled Events - Monthly View page appears (Figure 36). From this view, users select the month and day of the event to be scheduled. E- Closing forwards the user to the daily view. The user then selects the participant and time of the event to schedule by clicking on the open space. See Figure 37. Figure 37: Daily View

E-Closing Reference Manual 27 E-Closing then opens the event window. Figure 38: Event Screen Select the event from the drop-down menu. The start and end dates will default from the previous page. The start and end time will default from the event selected above. Note: The event and the length of time for each event are set when events are created in Manage Events, covered later in this manual. Select the room for the event to take place. If the location is not a set room, the user then selects the blank space in this field. The event location would then be entered in the Location field. Select the file to schedule. Add any additional participants. Add any specific notes that apply. By clicking Update Event, E-Closing saves the event and returns the user to the daily view. Manage Event List The company s administrator creates and maintains the events for the company. In creating these events, the administrator selects the event, length of time, color and whether the status of the event will be indicated on the White Board. Also, the administrator has the option to e-mail participants of events scheduled.

E-Closing Reference Manual 28 Figure 39: Manage Event List Manage Event Event Notification is used when the user wants to notify parties of a specific scheduled or completed event. The user selects the event and timing and then clicks Manage Event Notification. Figure 40: Event Notification

E-Closing Reference Manual 29 Next, the user selects the document package to be e-mailed, then the Output Option. If e- mail was chosen, the user would click on the parties to be e-mailed. Figure 41: Closing Event This example indicates that the user would like to e-mail a document to the borrower and lender confirming the close date, time and location on all files. Manage Checklist Smart Scheduling Technology allows each company to establish automated event scheduling with every file. The company creates the Checklist in the initial company set up. The user selects the appropriate Checklist per file in the create file screen. To create a Checklist, select Back Office, Event Menu then Manage Checklist. The user has the option to create a new Checklist or edit an existing Checklist. Figure 42: Checklist Management The user either creates a new event or edits an existing event. When creating a new Checklist, the following fields need to be completed: Select the event. Select the business type In this example, an abstractor.

E-Closing Reference Manual 30 After the business type is selected, the screen flashes and all the companies within that business type will appear in the drop-down box. Select the appropriate company. Select the contact within that company. Select the start of the event The event time is determined by either the scheduled or completed basis (create, close or file close dates). Select the number of days offset from the create, close or file close dates that the user would like the event to take place. Select either document or data file as the output format. Select which document package for the output name. Select e-mail, FTP or fax as the delivery method. Click Update Checklist Event, the event is saved and the user is back to the initial Checklist. Rolodex Menu Rolodex Management (Figure 43) is where users can add or edit contact information from which the attorney/title company does business. Users may also add new employees to the company list. NOTE: The company employee list is different from the E-Closing user list, described below. The Rolodex is divided into business types. Users can search for an entry, in the following screen, by business type, company name, or contact name. The user may add a new entry by clicking Add a new rolodex entry. Figure 43: Rolodex The top of the new page is company information, and the bottom of the page is individual contact information within that company. Select the company name from the drop-down menu. If the contact is not affiliated with a company, select Individual No Company. If the company is not yet listed in the drop-down, select New Company not in Rolodex.

E-Closing Reference Manual 31 Entries may contain information from one or both sections. An entry without any contact information will be listed by company name. Otherwise, the entry will be found under the contact s last name. When all information has been entered, click Update Rolodex. E-Closing will return back to the page in Figure 43. The procedure is the same for every business type within the Rolodex. Below is an explanation of fields for entering a new lender. Enter the lender s name. Assign a status to each entry (Active, Inactive, or Deleted). Select lender as the business type from the drop-down. Enter all lender data in related fields. Entering yes in the Office Setup field will allow the company access to schedule events in that office, such as a closing. FTP, User Name and Password fields are used when data is being transferred from E-Closing to another software. Enter all lender address fields. Enter all related financial lender fields. Figure 44: Rolodex New Lender Screen Note: Several automated calculations are done within E-Closing. Some of these calculations are generated based on the data in these fields. Each company can customize page two of the HUD for each lender. The user enters all lender-specific data into the appropriate HUD lines. The customized lines are in the 800, 1100 and 1300 areas. When the lender is selected for a file the customize information will appear in the HUD Maintenance Screen, covered later in this manual.

E-Closing Reference Manual 32 Figure 45: Rolodex Lender Screen HUD Set up See Deleting Entries from the Back Office, below. Managing Offices In Office Management (Figure 44), add, remove, and update the different branches of the company, whether those branches are in different regions, towns, or merely different areas of the same building. Scroll over Back Office then Rolodex Menu and then click Offices and Rooms. The user may choose to update an existing office or room or choose to create a new one. Figure 44: Select Office In the example shown in Figure 45, a New Office was selected. Figure 45: New Office

E-Closing Reference Manual 33 Enter all available information for the office and click Update Office. As in Rolodex Management, a status of Active, Inactive, or Deleted can be applied to each office. See Deleting Entries from the Back Office. The company determines what the Office Code will be for each branch. It can be a name or number, but it should be easily identifiable the branch s name or town, for instance. When reviewing scheduled events (covered previously), the office code identifies the branch at which each event will take place. The office code is also used when adding rooms to a branch. Managing Rooms Room Management allows users to customize each branch office by the rooms in which events can take place. All rooms are shown under each office. Click on an existing room to update an entry or click on Add a New Room This will open the page shown below, in Figure 46. Figure 46: Room Management Assign the room code and the room name and click Update Room. As in Office Management, make sure the room code is easily identifiable. Any room in which an event can take place, even an employee s office, can be added to the list of rooms. Again, the status of rooms can be Active, Inactive, or Deleted. Deleting Entries from the Back Office The status of room, office and Rolodex entries can be Active, Inactive, or Deleted. Only entries with Active status may be attached to files and events. Inactive entries are temporarily unavailable a room with a leaky ceiling, for instance, or an abstractor who is on a leave of absence. Deleted entries are entries that will never again be used for files or events (for instance, an abstractor with whom the title company no longer works, or a room that has been converted to an executive washroom).

E-Closing Reference Manual 34 E-Closing will not allow users to attach Inactive or Deleted entries to files or events. Users can, however, still access those entries from the Back Office in order to update them or change their status. Notice that there is no way in the Rolodex, Office, or Room Management pages to actually remove an item from the E-Closing Back Office. This is because E-Closing keeps a record of the histories of all files and events that have been created. Even though a room may no longer physically exist in your building, it once did, and it was probably used for certain events recorded in E-Closing. Since this record of the room exists in a past event, the room still needs to be listed under Room Management. The same goes for offices and Rolodex entries that are no longer valid. Because they are tied to a file s history, they cannot be deleted. Document Menu The Document Menu is where users can create document packages, Boilerplate Language, add Scanned File Names, Manage the Email Master and create FedEx Subscriptions. Managing Document Packages Scroll down Back Office, Document Menu and click on Manage Document Packages to create or edit a document package. See Figure 47. Figure 47: Document Package Management Select an existing package or click on Create a New Package. E-Closing proceeds to the following screen. See Figure 48.

E-Closing Reference Manual 35 Figure 48: Document Package Page To add a document to a package, double-click it in the left-hand column. The document name appears in the package in the right-hand column. The document no longer shows in the left-hand column. To remove a document from a package, double-click the document in the right-hand column. The document is removed from the right-hand column and reappears in the left-hand column. The document package will print the documents in the order in which they are added. To rearrange the package, click once on the document you wish to move, and then click once where you wish to move it. When the user completes adding/editing the documents, name the package, if it is not already named, and click Update Document Package. Note: Renaming a package will replace that package. To view the document package on the Whiteboard, click on the check-box next to the package name. Scanned File Names In this area, users create a name for each document type to be scanned. Click on the circle next to Add a new Scanned File Name or edit an existing name by clicking the appropriate circle.

E-Closing Reference Manual 36 Figure 49: Scanned File Names Manage Boilerplate Boilerplates are blocks of text that each user can create and customize, making them useful across all different files. The boilerplates you create contain text that never changes across files, tags that pull data you have already entered in E-Closing, and a quick way to enter text that doesn t fit either of the above. The best way to explain this feature is through a demonstration. Here is an example of some text that is used in a commitment, but requires different data for each file: Mortgage from Sally Seller to ABC Mortgage Company in the original principal amount of $250,000.00 dated April 1, 2005 and recorded in the Merrimack County Registry of Deeds in Book 2842, Page 290. The user will create this boilerplate once, and then it will be accessible to every file you work on. To create this boilerplate, go to Back Office, Document Menu then Manage Boilerplates. Click on Create a New Boilerplate. Enter the name for the boilerplate ( Mortgage Requirement ). Copy the above example language and paste it into the text box. Now some of this text is always present the boilerplate. Some text is pulled from other fields within E-Closing. Lastly, some of the text is not entered in E-Closing. Take a look at the chart below: Variable Text: Where to find it: Sally Seller Seller Screen ABC Mortgage Company Lender Screen $250,000.00 Payoff Screen April 1, 2005 Payoff Screen Merrimack County Property Screen 2842 Payoff Screen 290 Payoff Screen

E-Closing Reference Manual 37 Replace the text that is found in E-Closing with an ellipsis ( ). Replace the text where there is variable information outside of E-Closing with a straight line ( ), or shift-backslash, (above the enter key). In this case, all the text is available in E-Closing. Our text block screen now looks like this: Figure 50: Boilerplate Now look for the box on the screen called Replacement Tags. Find the appropriate tag that would replace Sally Seller and double-click it (in this case, seller_names _anded ). You will see that the tag will replace the first ellipsis. Proceed in this manner until each ellipsis has been replaced with an E-Closing tag. You are now looking at this: Figure 51: Boilerplate with replacement tags Placing Boilerplates in Text Description Your Boilerplate is now complete. Save it by clicking Update Boilerplate. When you go into the Text Description and Requirements, you can see the list of boilerplates (top left box on the screen) and find the Requirements boilerplate that you just created. Doubleclick it and it will appear in the text box, filled in with all the data from the file. If you have a boilerplate with the straight line ( ), simply type the replacement text in the Fill-in Area. Click tab, and the text will replace the first straight line that it finds. Proceed this way until all lines have been replaced.

E-Closing Reference Manual 38 Manage Email Master This feature allows users to create email addresses to be selected when scanning documents. Figure 52: Manage Email Master Misc. Menu Manage Users User Management is where the company administrator adds, deletes, or updates E-Closing users. See Figure 54. Figure 54: Select Users To add or edit an existing user, click on the button next to the appropriate choice and enter/edit the data in User Management Screen. See Figure 55. Figure 55: User Screen

E-Closing Reference Manual 39 User Status Users may be classified as Active or Inactive. Applying Inactive status temporarily removes the user from scheduling lists without permanently deleting user s information. This is useful for extended leaves of absence. Entering a user s e-mail address will e-mail the new user their user name and password. The E-Closing Team concept is similar to the Company idea. Within your company, you are part of a team. It is a way of managing and tracking files, and of keeping each user s White Board free of unnecessary clutter. You won t see files that are not attached to your team. To permanently remove a user, select the user s name from the Select User page (Figure 54) and then click Delete User. E-Closing will ask the administrator to verify that he or she really wants to delete the user before executing the command. Selecting Yes in Force Password Change when managing user information means that the next time the user logs in, he or she will be forced to change his or her E-Closing password. The administrator might want all users to change their passwords a few times a year, and this feature compels them to do so. Security Level Security Level allows the company administrator to control what files each user is able to access. For instance, the in-house processors would likely need unrestricted access to all E- Closing files. When the administrator adds a company to the Rolodex, that company s name is added to the choices for Security Level. When an E-Closing user is given that company s security level, that user may only view files in which that company s name appears. User Security Setup Next, apply the appropriate security settings to the user, on the same user setup screen: Figure 56: Security Setup

E-Closing Reference Manual 40 The administrator can allow users access to any combination of E-closing pages. When users access is limited, only the selected menu choices are visible to those users. For example, if a user is limited to the Select File and Maintain File menus, the other menus will not appear on the user s screen. Title Insurance Rates E-Closing handles all initial set up and maintenance of title underwriters and rates. Endorsement Overrides The user can update endorsement prices by accessing this screen. Choose the title company, state, county and package from the drop down menus. See Figure 57. Fig. 57: Endorsement Overrides Click on create a new effective date. This will take the user to the screen in Figure 58. Figure 58: Endorsement Overrides On this screen, the user can change the price of endorsements as a flat price or as a percentage of purchase price. To change to percentage, type in percent symbol first, then amount. Update by clicking on Maintain Endorsement Prices at the bottom of the page. Order Type Codes This function allows the user to organize orders by type, ie. Altas or Lotbooks. New order types can be added as needed.

E-Closing Reference Manual 41 White Board Set Up Each user may customize the White Board to meet their specific needs. Figure 59: Whiteboard Setup First, the user needs to select which items to display on their White Board. To select, doubleclick the item in the Data Item Panel. Double-clicking the item will move that item to the Display Panel. To remove an item from the White Board, double-click the item in the display column. Double-clicking the item moves it back to the Data Item Panel. Secondly, the user needs to select the sorting order. The user would follow the same process for selection as above. The White Board will display the items selected in the order in which they were added. To rearrange the items, click once on the item you wish to move, and then click once where you wish to move it. Manage Payoff Master This area is where the user may make modifications or delete any payee information that was created in the payoff remit field. The user would select the appropriate payee or create a new payoff record, make the necessary changes and update or delete the record.

E-Closing Reference Manual 42 Figure 60: Payoff Master Manage Teams The E-Closing Team concept is similar to the Company idea. Within your company, you are part of a team. This concept allows companies to manage volume and track performance. This area allows the company s administrator to add a new team or edit an existing one. Figure 61: Managing Teams Manage Holidays E-Closing will allow the user to add holidays in order to disallow them from counting towards rescission days. E-Closing support will program all federally recognized holidays, but others can be added by clicking on enter new holiday. See figure 62. Figure 62: Holiday Maintenance Messaging Messaging is a tool which allows E-Closing users to communicate with one another.

E-Closing Reference Manual 43 Figure 63: Messaging The user can select to read a message in the received box or send a new message in the sent box. The message text is displayed in green and red. The green text represents that the message has been read and red text represents the message has not been read. This allows users to know if parties have read messages. Users also have the ability to reply, forward or delete messages. Data Export This tool allows users to select the E-Closing files along with the data with specific options on retrieving the data to export. Figure 64: Data Export

E-Closing Reference Manual 44 E-Closing File MENUS Once a new file has been created and updated or the user selects a file to open from the White Board or Select File, the File Summary page will appear. There are four elements within the File Menu: Close Window, File Summary, Maintain File, Escrow Acc. and Documents. Close Window When the user has completed entering data on a specific file and wishes to return to the White Board, the user clicks Close Window. File Summary Clicking on File Summary will bring the user back to the main file summary page. Maintain File During initial data entry, E-Closing proceeds automatically through the Maintain File menu choices, but the user may skip steps if information is missing. When the user creates a new file with the borrower s name, the user may go to Maintain File and select any page for that file. For instance, if there is no seller information yet, the user may skip that page and manually select property information, and so on. Figure 65: Maintain File Menu

E-Closing Reference Manual 45 Borrower Information The borrower information is entered when a new file is created. The user may also access this screen by selecting Maintain File and scrolling down to Borrower Information. Figure 66: Borrower Information Several fields on this page are very important when it comes to producing documents through E-Closing. Primary/Co-borrower: Only one borrower may be listed as primary at a time. If you change a co-borrower to the primary, whichever borrower was previously listed as primary will be listed as a co-borrower. Borrower type: The language surrounding a borrower s name on recording documents changes depending on the borrower type selecting a Trust as borrower type, for example, will add Trustee of language to each trustee s name. Marital Status : If Unknown is selected, the deeds and other documents that require this information will print a blank line, to be filled in by hand. Related to/relationship : This information tells E-Closing who is married to whom, and whether they should be listed as Husband and Wife or Wife and Husband. Taking Title : If a borrower is not going to be listed on the deed, E-Closing needs to know this. Tenancy : Select the appropriate tenancy type; this will show up on the deed. Click Update Borrower. E-Closing will return to the Select Borrower page. If there are more borrowers to add to the file, select the type of borrower from the menu and a new Borrower Information page with appear. Enter all available borrower information for each co-borrower. Users may attach the primary borrower s address to any co-borrower by checking the box Use primary s address on the Borrower Information page. When the

E-Closing Reference Manual 46 user is finished entering all applicable borrower information, click Continue Next Step. E-Closing will proceed to the Lender Information screen. Lender Information In addition to entering all relevant lender information, this screen (Figure 67) is where the user can adjust the team and projected closing date. Figure 67: Lender Information The purpose of the loan is important to E-Closing because it determines what screens E- Closing will present to the user. For instance, if Refinance is selected, the seller screen will not be available, since there is no seller in a refinance. The lender address data on this screen will automatically fill in once the lender is chosen from the drop-down menu. If the necessary lender or loan originator is not in the Lender drop-down menu, you will need to add it in Rolodex Management, covered previously in this manual. Seller Information Figure 68: Seller Selection Menu Add the seller information by selecting the type of seller from the menu in Figure 68. Enter as much seller information as possible in Figure 69.

E-Closing Reference Manual 47 Figure 69: Seller Information The Seller screen is much like the Borrower screen, except that it includes fields for a forwarding address. The only other difference is the On Title drop-down menu. If the seller is not on the current deed, E-Closing needs to know this so that his or her name will not appear on the new deed. As with Borrower Information, users will be able to enter co-sellers, and only one seller can be listed as the Primary. When finished adding sellers, click Continue Next Step. E- Closing will proceed to the Property Information window, shown in Figure 70. Property Information Figure 70: Property Information

E-Closing Reference Manual 48 E-Closing contains a zip code database, so typing a property s zip code will fill in the city, county, and state. (In some cases, a zip code can apply to two different towns, so the user will want to verify the data.) The property s region can be changed here, if needed. The deed information on this page book, page, deed dated, effective date, etc. refers to the current deed on record at the registry. Current owner is a field that pulls from the seller list in a sale or the borrower list in a refinance. Only those parties of the transaction who are on title will be listed here. If the Property Type is Condominium, a list of all Associations sharing the property zip code in the Rolodex will appear in the Assoc. Name field. The Association itself must share the actual property s zip code. If you need to perform a back title search at this point, click on one or more of the Property Information Links at the bottom of the page. These links are web sites of various title insurance companies as well as to the property county s web site (based on the zip code). Each company can determine three specific sites. Note: When the user selects secondary residence from the property use drop-down menu, the mortgage document that can be generated from the Generate Documents tool explained later in this manual, is changed. The Secondary HomeRider box is checked automatically in the mortgage document. Financial Information All relevant details about the new loan are entered on the Financial Information page. See Figure 71.

E-Closing Reference Manual 49 Figure 71: Financial Information The user will enter the related data into each field. The amounts that are entered in the Purchase Price and Appraisal Value fields are forwarded to the Title Policy Screen for calculation of the title insurance. E-Closing will calculate the monthly payment and daily interest once the figures above these fields are entered. E-Closing will also calculate the payment day, late day, late charge rate and maturity date once the first payment date field is entered. If Variable is chosen for Interest Type, additional fields will appear on the upper right side of the screen. When an amount is entered in the Yield Spread field, E-Closing forwards this data to line 805 of the HUD and also creates the disbursement. E-Closing automatically pulls the close, rescission and disbursement dates onto this screen once the closing has been scheduled. These dates will adjust according to the purpose of the loan and the initial lender set up, covered previously in this manual. The user can enter the TOTAL COMMISSION or the percent sign and the percentage amount of the commission (%7). If the percent is entered, E-Closing calculates the commission. When entering the REALTORS commissions, typing a percentage into the fields will automatically split the total commission between the agents. For example, after entering the total commission, enter %50 in Broker 1 s commission, and it will automatically fill in both commission amounts. Note: By selecting variable from the interest type drop-down menu and by selecting particular options from the note from drop down menu automatically checks off certain boxes in the mortgage document that is generated from the Generate Documents tool explained later in this manual

E-Closing Reference Manual 50 Payoff Information Any payoffs associated with this transaction are entered in this screen. E-Closing will add all payoffs to the HUD. The user first would select the type of payoff to be entered. See Figure 72. Figure 72: Select Payoff Once the payoff type has been selected, the user is forwarded to the payoff screen. See Figure 73. Figure 73: Payoff Screen Payoffs can be made in behalf of the borrower or the seller, and they can be identified as a partial payment or full payment. The user may choose to select a payee from the Payoff To field or type in the name of the payee. Once a payee name is typed in it is then saved and can be later chosen. Any updating of the payee information can be done in Manage Payoff Master, previously covered in the manual.

E-Closing Reference Manual 51 Figure 74: Payoff Screen Continued. The user then fills in the related payoff amount fields with the calculated thru date, the per diem and any additional days of interest. NOTE: Interest Calculation E-Closing calculates the number of days interest (+/-) from the payoff thru date to/from the disbursement date and then any additional days of interest that the user would like to add from the disbursement date. Example: Disbursement Date 03/18/05 Payoff Thru Date 03/15/05 Per Diem $10.00 Payoff Total Due $100,000.00 Additional Days 2 There are three additional days of interest that need to be added from the payoff thru date to the disbursement date, then two additional days of interest that the user chose to add. E-Closing would multiply the total number of days by the per diem (5 * $10.00 = $50.00), then add the additional days of interest to the total due. ($50.00 + 100,000.00 = $100,050.00) The Discharge Status text field is a notes section for tracking discharges. The Additional Payoff Letter Text field can be tagged to the payoff letter if special language needs to be included in the letter. The original recording and any assignment references can be entered in the appropriate fields. Payoff CC Once information has been entered in the Payoff information screen, it will show automatically in the Payoff CC screen. This screen will allow the user to see all payoffs that have been entered on a file. The user can also enter new payoffs on this screen. E-Closing will total the number of disbursements and total dollar amount. See Figure 75.

E-Closing Reference Manual 52 Figure 75: Payoff Credit Card screen Tax/Fee/Pro-Ration Info All taxes and other pro-rations being paid in concert with the transaction are entered in the pro-ration screen. The user first would select the type of pro-rations from the menu. See Figure 76. Figure 76: Select Pro-ration The user then enters all the relevant data. See Figure 77. Figure 77: Pro-ration Screen

E-Closing Reference Manual 53 E-Closing defaults the Organization field based on the address entered in the property screen. When the annual amount of the pro-ration, the paid-thru date, and the pro-ration date are entered, E-Closing calculates the pro-ration and transfers it to the HUD. If a date is entered in the next due field and the payment is due within the specific number of days (30/45/60/90) from the close date based on the lender set up, E- Closing will automatically calculate the payoff and create the disbursement. If the user chooses no in the Make Payment if Due field, the above payoff will not calculate. The first time a tax collector is encountered, the address and phone number must be entered, but E-Closing will remember this information when it comes up again. Insurance Information All insurance associated with the property are entered here. E-Closing will transfer the company information and any prepaid amounts to the HUD. Figure 78: Select Insurance Click Add a New Insurance Record. The following insurance screen will appear. See Figure 79. Figure 79: Insurance Screen

E-Closing Reference Manual 54 Select the type of insurance (hazard, mortgage or flood). Enter the insurance information. Enter insurance status. If the premium amount and the number of months to be pre-paid are entered, E- Closing will calculate the pre-paid amount and forward it to the HUD. Reserve Information This screen allows quick access to entering the reserve information on the 1000 lines of the HUD Settlement Statement. Users may also go to the HUD Maintenance Pg 2 screen from Escrow Acc to enter the same data. Figure 80: Reserve Information Title Policy The title insurance policy information is entered here. The company determines the list of underwriters. The company will then supply the list, as well as the policy types and rate schedules to E-Closing for input.

E-Closing Reference Manual 55 Figure 81: Title Policy Screen Underwriter: This is the policy insurer. Policy Type: Many companies offer standard, enhance or premium coverage. Policy Number: E-Closing initiates the title insurance calculation when tba or tbd is entered into this field. Note: When the actual number is assigned, the user would delete tba or tbd and enter the number. Figure 82: Title Policy Screen Cont.

E-Closing Reference Manual 56 Endorsements: Choose the appropriate endorsements. Total Coverage: The Total Coverage is automatically pulled from the Financial Screen; the loan policy amount pulls from the Loan Amount field and the owner policy amount pulls from the Appraised Value field. Reissue Rate Coverage: If a prior policy exists insuring a mortgage on the property, enter the amount to be covered by the underwriter s discount rate. Premium: This is the total premium the customer will pay for the policy. Loan Policy Exceptions: Usually, Exceptions 1, 2, and 3 are omitted from the policy, but in some cases you may need to choose None from the drop-down. Prior Policy fields: If there is a prior policy, enter the appropriate data in these fields. After all data is entered, the user clicks Update Title Info. E-Closing calculates the policy premiums, commission and disbursements, then forwards the data to the HUD. Chain of Title This tool allows the user to track any deed for a property for as far back as necessary. Choose the type of deed from the Conveyance drop-down menu and enter any relevant information. Finally, click Update Chain of Title at the bottom of the screen and this will bring the user to the Encumbrances screen, described later in this manual. Encumbrances The Encumbrance screen allows the user to choose an encumbrance from the drop-down menu. After filling in any other relevant information, a tag is created based on the information listed. Once completed, click on Update Encumbrances at the bottom of the screen and the Exceptions page, which is described next in this manual, is brought up. Exceptions This page is for the user to show all exceptions on the given property. Choose the exceptions from the drop down menu and add any additional information that is necessary. After clicking on Update Exceptions at the bottom of the screen, the user is brought to the Recording Information page, which is described next in this manual. Recording Information Once a mortgage or deed has been recorded, the information can be entered in the file on the Recording Information screen. The user enters the type of recording from the drop down options, fills in the recording information and clicks on update recording.

E-Closing Reference Manual 57 File Text Blocks/Text Description These screens are vital to the production of the title commitment and the policy. Select Text Description under Maintain File. The following screen appears. Figure 83: Select Text Description Below is a chart that outlines what part of the commitment and policy each Text Description link feeds. E-CLOSING TEXT DESCRIPTION WHERE IT GOES Title Vested In Commitment, Schedule A, Item 3 Requirements Commitment, Schedule B, Section 1, Item 3 Special/Additional Closing Requirements Commitment, Schedule B, Section 1, Item 4 Policy/Commitment Exceptions Policy, Schedule B, Part 1, Item 7 and Commitment, Schedule B, Section 2, Item 7 Property Description Exhibit A and New Deed Deed/Mortgage Additional Description On the new deed, below the property description Insured Mortgage/Assignments Policy, Schedule A, Item 4 Loan Policy Schedule B Part II Policy, Schedule B, Part 2 Change Endorsement Change Endorsement document The list is designed to provide text areas for each part of a commitment and policy. Select the type of Text Description from the drop-down menu. The following page opens:

E-Closing Reference Manual 58 Figure 84: Text Description Users may enter information from scratch, paste text from another document, or select specific boilerplates from the drop-down menu. Make any changes required to the text and fill in any blanks from the boilerplates. Click Update Description. E-Closing will return to the screen in Figure 83. If you have entered information on a given text description screen, that screen s name will appear green in the list in Figure 83. Complete Scheduled Event Upon completion of a scheduled event (see Schedule Events, previously covered in this manual), the user will mark it as completed. The user would choose the event to be completed and enter the date and time. This screen serves as another quick reference for the status of a file. Figure 85: Completed Scheduled Events

E-Closing Reference Manual 59 Miscellaneous Change Users may change the status of a file or change the team, processor or CHECKLIST. Closing or canceling the file status removes the file from the White Board. If a closed or cancelled file becomes active, the user would proceed to Select File to locate the file then back to this screen to change the status. Figure 86: Miscellaneous Change Upload File This allows the user to upload a file from their PC to an E-Closing file. The user can either type in the name of the file or click on browse. This will open a window to search files to be uploaded. Once the file is selected, click the upload file button. Lookup Ernst Data This service is an easy way for the user to find out how much is owed in fees for a given property. After the data has been entered, the HUD is automatically updated. Escrow Acc The Escrow Accounting area within File Menu enables the user to create the HUD, make necessary changes to disbursements, receipt funds, print and void checks. Also, the user has access to a detailed balancing report per file. Credit Info To post a credit to the borrower, select who the credit is coming from. Enter the credit description and the amount. Note: The net fund box is only used if the credit is coming from the lender or mortgage broker.

E-Closing Reference Manual 60 Figure 87: Borrower Credit To update or delete an existing credit, select the appropriate credit and change the required information and click Update Credit or Delete Credit. HUD Maintenance E-Closing is designed so that very little data is entered on the HUD screens. The Maintain File screens will populate the HUD data fields. The exceptions are lender-specific fields on Page Two of the HUD. Such data is entered directly into the HUD Maintenance Screens. Figure 88: HUD Maintenance Screen E-Closing allows you to customize Page Two of the HUD by lender. To do this, access the lender in E-Closing s Rolodex. All the HUD fields that are customizable will appear. Every time you select this lender for a file, the data you have entered in the custom HUD fields will show up on the file s HUD. E-Closing has created short cut words to replace the lengthy names associated with all parties within a file. By using these short cuts, the user reduces key strokes as well as clerical errors which can cause the disbursements to group incorrectly. The user can utilize these short cuts throughout the escrow accounting screens and within the lender HUD setup in the Rolodex. The following is the list of short cuts:

E-Closing Reference Manual 61 Reference Company Name Borrower Name Seller Name Lender Name Mortgage Broker Name Listing Broker Name Selling Broker Name Property City Name Tax Collector, City of Name County Name (Registry of Deeds) State Name (State of or Commonwealth of) Title Insurance Name Short Cut Word company borrower seller lender mtg broker listing broker selling broker city tax collector county state title ins Receipts To add a receipt, click select from the list which expected amount you would like to enter a receipt for. Select whether the receipt is in behalf of the borrower or seller, and who the funds are credited to. Enter the name of the payee, a description of the receipt, and the amount and receipt date. Add a reference number and select the account to which the receipt will be applied. Then click Update Receipt. Figure 89: Escrow Receipts To update or delete an existing receipt, select the appropriate receipt and change the required information and click Update Receipt or Delete Receipt. Deposit Menu The Deposit Registry screen indicates all deposits not reconciled. Disbursements

E-Closing Reference Manual 62 The disbursements are created when the HUD Maintenance screens have been updated. To edit a disbursement, select the appropriate disbursement and change the required information and click Update Disbursement. Figure 90: Escrow Disbursements Note: The disbursement amount cannot be changed on this page. To change any disbursement, the user must change the information in the HUD Maintenance screens. To split a disbursement, select the appropriate disbursement and click Split Disbursement. The split disbursement page will appear with the disbursement data listed in the top field. Enter the name and the amount of the split, change the description and click Update Split. E-Closing will return to the Escrow Disbursement page. Figure 91: Escrow Split Disbursement Net Fund Disbursements To net fund any disbursement, select Net Fund Disbursement. Click the box next to each disbursement to be net funded. Select the source of funds to be net funded. Click Net Fund Disbursements to update. E-Closing will return to the Escrow Disbursement page.

E-Closing Reference Manual 63 Figure 92: Net Fund Disbursements Net funding can also be done by selecting the appropriate disbursement and changing the Payment Method field to net funded. POC Disbursements Paid Outside of Closing Disbursements allows the user to see all disbursements for a given file and mark them as paid outside of closing or not. The user has the option of Not POC, POC, POCL (paid by lender), POCB (paid by borrower) or POCS (paid by seller). Once the disbursements have been marked appropriately, click the update disbursements button. Figure 93: POC Disbursements Invoice Menu E-Closing allows users to invoice and apply payments for services render on each file. Create Invoice The user may select to create a new invoice or edit an existing one. A new invoice is shown in Figure 94.

E-Closing Reference Manual 64 Figure 94: New Invoice Payments Invoice payments may be applied to an invoice in full or partially. Escrow Detail by File To print or view a detailed escrow summary per file, select Escrow Detail by File. Select the desired output option (view as PDF, e-mail, Word or Save for E-Closing Users) and click Create Report. The report will be created in the background, so users can continue to work in other areas of E-Closing as the report generates. Print / Void Checks Select Print Checks from Escrow Acc. Figure 95: Print Checks

E-Closing Reference Manual 65 Select the Escrow Account to be used, enter the beginning Check Number, checks to print, and click Print Selected Checks. E-Closing generates these checks via PDF. The PDF window will open with the description of the selected checks. To print, click File Print. To void checks, select Void Checks. Place a check mark next to each check to void. If no checks have been printed, nothing will show up to be voided. Note: If checks have been printed, the file then goes into Read-Only status, and the data is unalterable. To change data, checks must first be voided. To reprint checks, select Reprint Checks. Place a check mark next to each check to be reprinted. Click Reprint Selected Checks. The user indicates whether to invoice a company in the Rolodex or the Borrower. Then, each item to invoice is entered. When completed, the user has the choice to Update, Update and Print or Delete the current invoice. Note: E-Closing will automatically assign the next invoice number to each new invoice. Manual Checks/Wires This tool allows the user to write manual checks and/or wires. By choosing who to write the check to and by entering a check number, the user is able to enter manual checks. Bank Activity Report This report creates a list all financial activity for each file within E-Closing. Check Register Maint. This report allows users to view all check activity from printed to voided checks. Documents E-Closing will output documents via PDF, email, or Word. All closing documents, including the title commitment and policy, are generated when the user is in a specific file. All reports are created in the background, so users can continue to work in other areas of E-closing while the reports generate. Note: Company wide reporting is done from Documents on the White Board. Also covered are scanned documents, creating and deleting shipping labels and file barcodes.

E-Closing Reference Manual 66 Generating Documents Select Generate Documents from the Documents menu. Figure 96, shows the Document Packages that will appear. To create a new document package, see Managing Documents, previously covered in this manual. Figure 96: Select Report Package Select the desired document package to print. Figure 97 shows the documents in the HUD package. Figure 97: Generate Documents Customize the package as necessary for this printing: Choose what documents within the package to print. Note: All documents within a package will print unless the user chooses to uncheck the appropriate box. Choose the destination (view PDF, e-mail, Word, or Save for E-Closing Users) Click Generate Documents. The current screen will flash and a new window will open with the documents. The documents can be review and then printed.

E-Closing Reference Manual 67 Show Scanned/Saved or Deleted Documents Users have the option to view or delete documents that have been scanned into E-Closing. Figure 98: Show Scanned/Saved or Deleted Documents Choose to show a saved or deleted document Choose the document Choose the destination Click Show Documents Shipping Labels Users have the ability to create FedEx shipping labels within E-Closing. In Figure 99, the user may select to ship to anyone connected to this file by clicking the appropriate box. Figure 99: Shipping Label

E-Closing Reference Manual 68 If the item to be shipped is going to another source, the user would complete the name and address lines and the following delivery questions and then click Create Shipping Label. Delete Shipping Label To delete a shipping label, select Delete Shipping Label from the Documents menu. Then, fill in all of the necessary information and click on Delete Shipping Label at the bottom of the screen. Scanned File Barcode In this area, the user would create a barcode for a document pertaining just to this file. Note: See Rapid Barcode for creating barcodes for several documents throughout E- Closing covered previously in this manual. Back Office Event Menu Users can access Scheduled Events from the Back Office within each file or from the White Board. Thank you for using E-Closing. Please contact our support line if you have any further questions.