2.  Loan Origination System (LOS) ◦ Automated and digitised process including  Decisioning  Bureau Services  Documents for personal, overdraft and secured loans without “touchpoints!”

3.  No LOS that could also produce required documents  No separate solution that could produce required documents without “touchpoints”  LeadPoint DMS WebMortgages Service  Required documents without “touchpoints”

23.  How can all parties deliver the required solution to QTMB?

24.  Tools ◦ Inteflow by ◦ WebMortgages Service by ◦ LIXI 2 by Documents and Settlements Schema (DAS) Technology and innovation simplifies collaboration.

26. 1. Enhance Inteflow to also facilitate document generation by WebMortgages; i.e. additional data fields and data mapping. 2. Reformat and program QTMB Loan Contracts, forms, business rules and processes into WebMortgages platform; i.e. ready to receive and process XML from Inteflow 3. LeadPoint / LIXI Guidebook – data elements structure and mapping to generate required XML out of Inteflow 4. Validation and testing

27.  Required “Doc Packs” for ALL lending returned by LeadPoints’ WebMortgages Service into Inteflow 24/7  Change to lending paradigm; i.e. Loan approval and final documents in one step.  Greatly enhanced customer experience; high quality documentation instantly.  Significant lender benefits; ◦ Speed ◦ Unit cost ◦ Quality ◦ Accuracy ◦ Reduced ongoing expenses including human and physical resources for both production and ongoing management of loan products and contracts.

28. QTMB “digitally ready” to take advantage of the Digital Paperless Mortgage Transaction in 2016 -17?

29.  Increased speed to market for new Loan Products, Campaigns, Packages etc.  Digital settlement process; all data into Inteflow via backchannel messaging; i.e. status updates, certification details, post settlement data etc.

30.  Single Master template. Easy to maintain and make changes to (new products / product changes…)  Efficiency: One stop shop – no more dual handling  Operations Team concentrate on ensuring data quality.  Enhanced customer experience  Opens up opportunities