Web-based Closing Solution

2 iClose is a web-based closing solution that streamlines the closing process, giving borrowers the ability to close their loans anywhere … at home, at the office or on vacation at virtually anytime. Our focus has been to provide transparent technology providing a better customer experience. Created for the borrower experience Leveraging 20+ years of closing & vendor management experience Service solution enabled with technology 2 Overview

3 Microsoft Live Meeting Windows look and feel Integrates multimedia technologies Utilizes annotation tools Ability to private label brand the solution Multi-Factor authentication complies with GLBA and FFIEC requirements 3 Highlights

4 Convenient Closings - Borrower can close at any location with an internet connection eliminating timing and geographic limitations Expedited Closings - Borrower only has to sign one document. The need to reschedule if document changes are required is removed because changes can occur during the closing session Document Delivery - Enables the borrower to review documents prior to the closing session Funding On-Time - The post closing function is streamlined which enables the borrower to receive funds without delay 4 “With my busy travel schedule, closing my loan online was a time saver” “The iClose agent and the convenience of closing online made this a very positive experience” “Like being able to close over the web and sign only one document” “I am hesitant to complete any financial transactions on the internet, but the iClose agent made me feel extremely comfortable with this one” Borrower Benefits

5 5 Professional Closings - Utilizes ServiceLink’s highly trained and knowledgeable experts to thoroughly review the loan documents which provides an outstanding borrower experience Recorded/Archived Sessions - Entire closing session, including screen presentation, annotations, questions/answers, video and audio are archived Lender Involvement - Convenient way to attend and manage a more consistent closing process without time and location restrictions Document Sharing/Retrieval - Easy delivery of documents Fraud Mitigation - The authentication process identifies potential fraud prior to closing Lender Benefits “All too often innovative technology is introduced and the customer service aspect is lost. I am happy to see that ServiceLink approached this with the right balance of service and technology when offering iClose ”

6 6 Title ClearancePre-Closing Web-Based Closing Event Post Closing Workflow 1.Review LPOA process and confirm interest & access to high speed internet connection 2.Order is created in i Close and auto invitation is sent to borrower 3.Borrower receives invitation and proceeds to i Close website 4. Borrower authenticates, creates unique login and password, and downloads the LPOA 5.The i Close team confirms scheduled date/time, auto confirmation is sent to borrower 6.The i Close team uploads loan documents to i Close website, auto mail is sent to borrower that document are ready for review 7. Borrower and i Close agent logs onto website and dials toll-free conference number at scheduled closing time 8. The i Close agent asks each borrower to click (Polling Question Answers) and verbally agree to the terms of each loan document 9. The i Close AIF will execute the loan documents on behalf of the borrower 10.The i Close team delivers the loan doc package to the lender and uploads signed documents for borrower, auto sent 11.The loan is disbursed after the 3-day rescission period or that day if non-owner occupied property

7 7 Platform

8 Landing Page jborrower ●●●●●●●●

9 Verify Your Identity

10 Authentication

11 Create an Account

12 LPOA (Limited Power of Attorney)

13 Prepare for Closing

14 Begin The Closing

15 Review Executed Documents