1. peirsonpatterson,llp eDisclosure Solution only @ ppdocs.com

2. Now, when using P&P’s Initial Disclosure ordering system, you now have the option to send the disclosures electronically. This is optional and there is a convenience charge associated with using this feature.

3. Complete the delivery and security questions and click the “Send Disclosures” button

4. You may track the status of the disclosures at any time by viewing the “Package Information” screen.

5. On the “Package Information” screen you will be able to see the date and time that each stage of the eDisclosure process occurred.

6. The Borrower will immediately receive an e-mail with a link back to a secure website for them to retrieve their eDisclosures.

7. The Borrower will need to know the answer to the security questions to obtain access to their disclosures.

8. Once they have entered the appropriate responses to the security questions the will click the ‘”Continue” button.

9. The Borrower will then need to consent to accepting and signing the disclosures electronically. If the Borrower DOES NOT agree with electronically signing their disclosures, the Lender will have to physically provide them and add additional time to their waiting period. The Borrower will then need to consent to accepting and signing the disclosures electronically. If the Borrower DOES NOT agree with electronically signing their disclosures, the Lender will have to physically provide them and add additional time to their waiting period.

10. If the Borrower DOES NOT accept the electronic disclosures, an e-mail notification is sent to the Lender alerting them that a physical copy will need to be provided.

11. If the Borrower DOES consent to accepting the disclosures electronically, they will need to demonstrate that they have the appropriate software installed (Adobe Acrobat) to view the disclosures. They will have to enter the access code and click “Submit” to continue. If they fail to enter the right code after 4 attempts, they will be locked out and the Lender will be notified.

12. Once they have successfully entered the access code, they will be able to view, print, and save their disclosures.

13. Each borrower will need to check the acknowledgement box to indicate that they have received their disclosures.

14. Once both boxes are checked, the button is enabled for the Borrowers to electronically sign their documents.

15. Notice is sent to the Lender when the eDisclosures have been signed.

16. The Borrower can then view their signed copies if they so desire.

17. The documents get a date and time stamp coversheet when the disclosures are electronically signed by the Borrower.

18. Borrower will have access to these documents online for 90 days after they have signed them.

19. People using a third-party to produce their initial disclosures can get the same signature and tracking utility out of our system by uploading their disclosure package in PDF format and following the same steps.

20. Users of third-party disclosures will need to complete some information before sending.

21. Users of third-party disclosures can also track their status at any given time.

22. Our tracking tool allows Lenders to see the status of their recent eDisclosure deliveries.

23. The Lender can see even more detail about when it was sent.

24. The Borrower will need to know the answer to the security questions to obtain access to their disclosures.