PPD NAME Professional Services Group 2015 CALYX POINT Point® helps you get the job done faster and more efficiently Embrace TRID, We Have !

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Presenters Emily Martinez Training Department and Professional Services Manager Vickie Hicks Training Specialist Brian Robinson Professional Services Consultant

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Getting the Most out of your Training o All attendees are muted o Have Point open on your computer so you may follow along o Ask questions via the questions box located in your GoToWebinar Control Panel o FAQ’s are available on our Website: o The Power Point presentation and recording of this Webinar will be available on our Website. Legal Disclaimer: The information presented is confidential and proprietary to Calyx Software (“Calyx”) and may not be disclosed without the permission of Calyx. The purpose of this PowerPoint presentation is to provide information, rather than advice or opinion. It is accurate to the best of the speaker’s knowledge as of the date of the presentation. To the extent that this presentation contains any examples, please note that they are for illustrative purposes only and any similarity to actual individuals, entities, places or situations is unintentional and purely coincidental. In addition, any examples are not intended to serve as legal advice. No part of this presentation may be modified, printed, or presented without the permission of Calyx. Calyx and Calyx Software are registered trademarks of Calyx Technologies, Inc. Copyright © 2015 Calyx Software. All rights reserved

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Objectives:  Become familiar with the new Loan Estimate and Closing Disclosures  Learn to navigate the new screens and fields in Point.  Learn about the dynamic nature of the Loan Estimate and Closing Disclosure  Learn how the Fees Worksheet populates the Loan Estimate  Learn how the new Closing Cost Worksheet populates the Closing Disclosure.

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Featuring The Loan Estimate and the Closing Disclosure

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Point 9.2 and SP3 Release Summary: Loan Estimate added to forms Closing Disclosure Worksheet Closing Disclosure TIL screen updated Agent license numbers Time Zone

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Time Zone Time Zone dropdown list has been added to the GFE Screen > Important Dates

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Real Estate Broker License Numbers Real Estate Broker License Number fields have been added to comply with disclosure requirements on the new Closing Disclosure. These fields are located in Track > Agent List

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Truth-in-Lending Screen (TIL) APR located above Payment Schedule Section TIP located below Payment Schedule Section

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Truth-in-Lending Screen (continued) Added Index Type dropdown field in the ARM Rate Adjustments section

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Truth-in-Lending Screen (continued) Optional Payment section Prepayment Section

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Liabilities after Foreclosure Section Servicing Statement Escrow Account Information moved from GFE to TIL Truth-in-Lending Screen (continued)

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Point 9.2  Creating the Loan Estimate and the Closing Disclosure The Loan Estimate and the Closing Disclosure are dynamic The GFE and TIL must continue to be used for loan applications started prior to October 3, 2015 and, as applicable for excluded loans. Calyx customers will need access to all of the disclosures Calyx will continue to support both sets of disclosures

POINT 9.2 TILA-RESPA Integrated Disclosures in Point The Loan Estimate and Closing Disclosure in Point Good News for Calyx Customers The steps for creating TILA-RESPA disclosures in a Point file will remain virtually the same as the current steps for creating the GFE and TIL. The Fees Worksheet and TIL screen will continue to be the initial data entry points for the data that will populate the disclosures. Data entered to the Fees Worksheets and TIL screens is routed to the required data points in the Loan Estimate and the Closing Disclosure.

POINT 9.2 TILA-RESPA Integrated Disclosures in Point The New Screens and Disclosures Located in the Forms Menu Loan Estimate Closing Cost Worksheet Closing Disclosures

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Populating the Loan Estimate if you are a LENDER  Your Lender Name, will automatically populate onto the Loan Estimate from the information already in your Company default settings in the Utilities Menu  Utilities > Company Defaults > Company Information

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Populating the Loan Estimate If you are a BROKER  Your Name, as entered in your in your Company default settings in the Utilities Menu will continue to populate page 4 of the Loan Application as is required. There is an additional step to populate your lender’s name onto the Loan Estimate:  STEP 1: Indicate that you are a Broker in the Checkbox in your Company Information Window

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Populating the Loan Estimate If you are a BROKER  STEP 2: Enter the Lender information in the Track > Agent List Screen

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Populating The Loan Estimate APR and TIP Automatically calculated in the Truth-In-Lending screen and auto populate the Loan Estimate

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Populating the Loan Estimate

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Populating the Loan Estimate (continued) Page 2 of the Loan Estimate is populated from the existing fields in the fees worksheet.

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Loan Estimate (continued) The Loan Estimate is populated with the fees and charges from the Fees Worksheet and TIL Screen

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Closing Disclosure and Closing Costs Worksheet  The Closing Cost Worksheet is modeled after, and looks just like the Fees Work Sheet  Closing Cost Worksheet includes Copy from Fees Worksheet functionality  The Closing Disclosure is designed to populate from the new Closing Cost Worksheet  The Closing Disclosure is located in the Forms Menu and designed to dynamically generate according to loan type for proper fee and cost groupings.  Closing Disclosure screens are more detailed than the Loan Estimate because of tolerances and settlement charges

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Closing Disclosure Fees from the Closing Cost Worksheet will populate into the correct sections and will be automatically alphabetized

POINT 9.2 TILA-RESPA Integrated Disclosures in Point PointCentral can help you become TRID ready Point Central offers potent administrative control with powerful benefits and features Helps keep your workflow efficient while managing your data accurately Security Features Single, centralized data base Rules may be dynamically crafted to complement your business practices and processes. Everything your Loan Originators and Processors need from Point, with all the controls and administrative functions you need to run a profitable business,

POINT 9.2 TILA-RESPA Integrated Disclosures in Point Professional Services can help you become TRID ready Calyx Software offers a full range of Professional Services Rapid deployment for new Point Users or upgrades to PointCentral Help optimize the value of your Calyx software: Point, PointCentral, Webcaster, INK-it Consultative support for configuration to your workflows and processes Professional Services engagements are conducted onsite, at your location, or online.

PPD NAME Emily Martinez Training and Professional Services Manager 2015 CALYX POINT The Help You Need Point User Guide – embedded in your software Point User Guide – embedded in your software F-1 Help from any screen F-1 Help from any screen Calyx Customer Support Calyx Customer Support Calyx Account Managers Calyx Account Managers TILA-RESPA Integrated Disclosures in Point 9.2