Orchestrator® Enterprise Lending

Lend More. Worry Less.

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Mortgage Cadence Vision

Mortgage Cadence will Provide Its Customers with…The ability to focus on profitability and superior customer service

An ever-evolving, open Mortgage services platform 

Flexibility to adapt to industry changes and capitalize on new business opportunities  

Functionality to innovate the mortgage process with an eye toward the eventual realization of eMortgages

The last open lending and financial services platform our clients will ever need

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Orchestrator® Enterprise Lending

Industry’s Only True Enterprise Lending SolutionAchieve operational rhythm while ensuring compliance

Increase productivity and loan volume and reduce costs

Provide superior customer service

Expand revenue streams

Private labeled and configurable Origination Portal supports multiple business channels with real-time pricing and analysis tools

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Comprehensive and All-Encompassing

Superior Technology on One Comprehensive PlatformEnd-to-end loan origination functionality

• Supports Both Forward and Reverse Lending

Automated underwriting

Business rules management (ACE ® Rules Engine)

Product and pricing

Data driven workflow automation

Electronic document management

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Comprehensive and All-Encompassing (cont.)

Origination PortalSupports multiple business channels

Real-time pricing and analysis tools

Private labeled and configurable

Seamless data integration and instantaneous communication

Provide a rich customer experience

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Phased Implementation Approach

Phase 1: Best practices standard configuration and process flow

Expedite setup (60-65 business days)

Quicker ROI

Phase 2: Custom Implementation PlanWe understand there is no "one-size-fits-all implementation strategy

Our defined process begins with a discovery session aimed at identifying desired workflow, integration points, and data elements

Ultimately will position your organization for future success

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Products and Channels Served

Vast Product SupportConforming

Non-conforming

FHA and VA

Second Mortgages

Home Equity

Construction-Perm Loans

Reverse Mortgages

And more…

Multiple ChannelsWholesale

Retail

Correspondent

Consumer Direct

Net Branch

And more…

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One Comprehensive Platform

One Centralized Location for Maintaining Rules, Security, Products & Workflow

Eliminates disparate rules and prices and the need to synchronize data from multiple systems

Reduces time required to:

• Add lending products

• Change processes

• Implement business policy

• Manage compliance and risk

• Adapt to the competitive landscape

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Sophisticated Data-Driven Workflow Automation

ACE® Rules EngineAuto-resolution capabilities

• Improve efficiencies, mitigate need for additional training and deliver increase in productivity and customer service

Automated Workflow Allows:Enforcement of internal business policy

• Reduce pipeline risk

• Meet ever-changing requirements of regulatory bodies

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Compliance Solutions

Leveraging Proper Technology can Significantly Reduce Institutional and Loan-Level Risk by:

Ensuring compliance with loan credit, collateral guidelines and regulatory requirements

Staying Ahead of the Rapidly Changing Market ConditionsExpanded compliance and regulatory expertise in-house

Relationships with nationally recognized law firms

• Sonnenschein, Nath, & Rosenthal LLP; K&L Gates LLP; Patton Boggs LLP; Weiner Brodsky Sidman Kider PC; BuckleySandler LLP; Stevens & Lee

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Compliance Solutions (cont.)

Proactive CommunicationConstantly monitoring compliance landscape and providing client updates

Identify all customer issues before they arise

• Compliance bulletins

– Sent out intermittently based

– Information our customers have come to expect in a proactive manner

• Monthly newsletter

– Compiles all monthly compliance issues

– Includes a section on document additions/modifications and system updates

Committed to being the single source for our clients’ compliance needs 

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Ultimate Flexibility

Providing Flexibility and Industry ConnectivityKey components include:

• Data-driven workflow automation

• ACE rules engine

• Product and pricing

• Document preparation and delivery

• Origination portals addressing all business channels

• Advanced sales tools

• Reverse lending automation

• Automated underwriting

• Document management/imaging

• Secondary marketing

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Increased ROI Through Better Operational Rhythm

Workflow Automation and Tasking

Workflow Automation and Tasking

Business Rule Management

System

Business Rule Management

System

Configuration Flexibility

Configuration Flexibility

SOASOA

Document ManagementDocument

Management

• Reduce hand-offs and wait time• Improve resource utilization• Improve load balancing • Improve task management

KEY IMPROVEMENTS

• Improve process automation• Reduce errors and re-work• Improve integrity and accuracy• Mitigate redundancy and duplicate effort

• System conforms to evolving client business model• Increase business user ownership• Reduce system support costs via coding reduction• Reduce product development cycle

• Improve data integrity • Reduce cycle times for post-closing, shipping, file

delivery• Reduce paper costs and data entry costs

• Reduce application interface development costs• Enable scalability

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STRENGTHS

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Acquisition Cost

Volume

Cycle Time

Pull-through

Technology Costs

Secondary Costs

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CATCH THE RHYTHM

Mortgage Cadence is Committed to Providing Lenders with the Last Lending Platform They will Ever Need

Eliminate disparate systems

Optimize efficiency

Increase productivity

Serve and retain customers

Maintain compliance

Reduce costs

Questions?Lend More. Worry Less.