Compliant Loan Origination, Processing and Document Preparation Solution

Lending Payments Core Channel Tresury Services Optimization

LaserPro® Powers America’s LendersThousands of lenders nationwide depend on LaserPro® from D+H for compliant loan documents. LaserPro provides lenders of all sizes with the latest technology and the flexibility to produce compliant loan documentation for a wide variety of loan types. For more than 30 years, LaserPro has continually evolved to support the thousands of financial institutions that rely on it to help them comply with state and federal laws, while providing true 50-state banking capability.

Well known for its ability to handle the full range of transaction types — from originating mortgage and consumer loans, to producing compliant loan documentation for consumer, mortgage and commercial loans — LaserPro consistently delivers, wherever and however you do business. LaserPro covers more loan, collateral, borrower, payment and credit life insurance types than any other lending system, which is a result of the commitment by D+H to provide the industry’s best solution.

Customer Information FilesDownload information from the core system

or recall from the LaserPro database.

Generate closing-stage disclosures and

documents that are compliant with federal

and state statutes and regulations.

LaserPro has more than 70 interfaces

with core systems and applications

from D+H and other providers.

Originate and process consumer and

mortgage loans. Access automated

underwriting services and supporting

information from credit bureaus and flood

services. Process applications and generate

commitment letters and disclosures.

PullCustomer

Data

Step 1

DocumentThe Loan

Step 3

Upload toCore

System

Step 4

Originateand

Processthe Loan

Step 2

Compliance Confidence

At the heart of LaserPro is its legal and compliance knowledge base. Supported by a 50-state attorney network, D+H constantly monitors for state and federal regulatory changes to ensure that its solutions meet clients’ ongoing needs. The result is true 50-state lending capability, allowing clients to make loans in, and take collateral from, any U.S. state. LaserPro documents are also backed by a limited $1 million Compliance Warranty*. *Restrictions apply. See Compliance Warranty for details. LaserPro is not a substitute for legal counsel.

Flexible Documents

LaserPro produces dynamic documents that set the industry standard for flexibility and capability, providing libraries and standard templates that allow clients to add language and even entire documents without costly customization. Furthermore, LaserPro documents and the compliance content can be accessed through a separately licensed, service-oriented Application Programming Interface (API), allowing integration with other systems and applications.

A Solution that Grows with You

Our clients range from de novo institutions to credit unions and banks with more than $700 billion in assets. All rely on the scalability of LaserPro to grow with their institutions. Community financial organizations enjoy it for its one-stop shop capability, the familiar Windows® environment and logical workflow. Multi-branch institutions and multi-state institutions leverage the ability to standardize lending policy and products consistently across multiple business units and multiple legal jurisdictions.

Enter Customer Information Once

Time is your most valuable commodity. Data entered once should be reusable anywhere, whether originating a loan, opening a second loan for a customer, performing a credit review or opening a new deposit account with the DepositPro® compliant account opening solution. LaserPro and DepositPro share a common administrative setup for institution and personnel information and a common customer information database.

Getting the Whole Picture

The lending products within LaserPro are designed to give you maximum flexibility and productivity to provide superior customer service, facilitating loan application processing, consumer and mortgage loan origination, closing, boarding and credit review. The LaserPro compliant loan document solution includes the following products:

• LaserPro Commercial Lending• LaserPro Consumer Lending• LaserPro Mortgage Lending

LaserPro Commercial LendingAny Loan, Any Place

Whether you are in a large urban environment or a small agricultural community, commercial lending is intricate and extremely important to your success. LaserPro Commercial Lending makes it easy for you to handle the application and closing phases of virtually any commercial loan request, while maintaining document compliance. Covering a full range of borrower, collateral and loan types, LaserPro lets you quickly process a full range of transactions. Use LaserPro Commercial Lending for streamlined small business loans, or carefully craft large commercial deals with several types of business entities, multiple signers and detailed collateral descriptions. It is all carefully designed to let you document your loan with speed, precision and compliance.

LaserPro Commercial Application Module

The application phase of a commercial credit offers you options to negotiate the terms, fees and conditions you want in your loans. The LaserPro Commercial Application module generates

commercial application forms and commitment letters to help you control your risk and deliver a professional proposal to your potential customer. LaserPro goes beyond producing the application form by creating requests for additional information letters and denial documents.

LaserPro Commercial Closing Module

Once the loan commitment is in place, LaserPro Commercial Closing generates the documents exactly as you have defined them, all in accordance with your standard products and internal policies. With loan closing documents, LaserPro enables you to complete the package with detailed promissory notes, borrowing resolutions, loan agreements, guaranties and security instruments, all with extensive flexibility in the terms and conditions you require. SBA lending is also made easy using the optional SBA Lending Solution module. It is this level of sophistication and productivity that makes LaserPro such a popular system with the nation’s leading business lenders.

Lending Payments Core Channel Tresury Services Optimization

• Handle virtually all commercial loans, letters of credit and lines of credit (closed-end and open-end).

• Complete the loan package with promissory notes, commitment letters, detailed borrowing resolutions, loan agreements, guaranties and security instruments, all with extensive flexibility in the terms and conditions.

• Lend to multiple entity types: individuals, corporations, partnerships, LLCs, sole proprietors, associations, trusts, government agencies or any combination.

• Use multiple collateral types: titled, possessory, real estate, UCC and government contract collateral types.

• Use multiple payment types: installment, single-pay, balloon, P+I, construction permanent, irregular and line of credit payment types.

• Participate commercial loans to other financial institutions to reduce risk and control exposure (with the optional Commercial Participation module).

• Engage in SBA lending with the optional SBA Lending Solution module.

LaserPro Commercial Lending Enables Your Financial Institution to:

LaserPro Consumer LendingEfficient Loan Processing Exactly the Way You Want It

In this age of real-time technologies, fast decisions and even faster document preparation are crucial to your success as a consumer lender. Customers want loans processed in hours, even minutes, and LaserPro Consumer Lending delivers. The key is a system that allows you to quickly process consumer applications from cross-selling to closing, while maintaining loan documentation compliance. LaserPro Consumer Lending does that and more, including multi-state lending, interstate branching and collateral documentation for all 50 states. For straightforward, uniform consumer loans, our standard product feature lets you create loan templates, expedite and standardize processing and create consistent documents loan after loan. You also can implement standard workflows to further increase operational efficiency and dramatically speed up consumer loan processing.

Consumer lending is not only about documenting approved loans; denied applications also require processing. LaserPro Consumer Lending allows you to process Consumer, HELOC and Portfolio Real Estate applications from beginning to end, while generating documents based on the status of the loan decision. Whether you need an Adverse Action letter, a Request for Additional Information, or a complete set of loan closing documents, LaserPro does it all.

LaserPro Consumer Origination & Processing Module

The LaserPro Consumer Origination & Processing module provides financial institutions with comprehensive consumer lending capabilities from within the LaserPro consumer origination and consumer processing workflows.

LaserPro Mortgage LendingFor originators of residential mortgage loans, LaserPro Mortgage Lending offers the functionality and performance needed to provide faster and more informed service, while reducing loan costs. Wherever your collateral is and wherever you lend in the U.S., LaserPro Mortgage Lending gathers the right information and produces documentation that complies with appropriate federal and state statutes and regulations.

Bring Strength to Your Real Estate Lending Process

LaserPro generates compliant origination and closing-stage disclosures, as well as the Fannie Mae® 1003, 1008 and verifications; TILA-RESPA Integrated Disclosures including the Loan Estimate, Closing Disclosure, and Written List of Service Providers documents.

The LaserPro consumer origination workflow provides lenders with tools necessary to originate consumer loans:

• Consumer application-based workflow: The consumer application-based workflow expedites the data entry process, thus enabling faster turnaround times for consumer applications and your customers.

• Credit bureau access: The LaserPro consumer origination workflow interfaces with credit bureaus; therefore, originators can quickly pull credit bureau reports, populate credit data to the application and use that data to determine how to proceed with the application.

• Optional 1003-based data entry

The LaserPro consumer processing workflow provides institutions with:

• Compliant processing -stage disclosures: The LaserPro consumer processing workflow enables institutions to remain compliant with federal and state statutes and regulations while producing documents with ‘near origination’ delivery requirements, including Loan Estimate and Written List of Service Providers. Other documents, including Tolerance Basis Worksheet, Rate Lock Agreements and Commitment Letters, are also provided.

• System to track conditions of approval (for example, verifications, appraisals, repairs, etc.): The LaserPro consumer processing workflow includes a system to track

the conditions of approval of the loan, either from the Credit Decision window or via the menu system, enabling access to the feature from anywhere in the transaction.

• Access to other vendor services: The LaserPro consumer processing workflow provides access to other vendor services, such as flood determination services, including data parsing capabilities (for example, for a home equity loan or for a real estate-secured consumer loan).

LaserPro Consumer Doc Prep Module

The LaserPro Consumer Doc Prep Module enables your financial institution to:

• Generate closing-stage disclosures and documents that are compliant with federal and state statutes and regulations, including personal loans, home equity loans, home equity lines of credit and Portfolio Real Estate Loans.

• Use multiple payment types: installment, single-pay, balloon and construction-permanent payment types.

• Manage TILA-RESPA Integrated Disclosures (“TRID”) compliance.

• Generate compliant mortgage closing-stage disclosures, including the TRID mandated Closing Disclosure for portfolio mortgage loans.

• Lend to multiple entity types: individual and trust borrowers.

• Use multiple collateral types: titled, real estate, UCC and possessory (for example, stocks, bonds and deposit accounts).

Lending Payments Core Channel Tresury Services Optimization

LaserPro Mortgage Origination & Processing Module

The LaserPro Mortgage Origination & Processing module provides financial institutions with comprehensive mortgage lending capabilities from within the LaserPro mortgage origination and mortgage processing workflows.

The LaserPro mortgage origination workflow includes features crucial to originating mortgage loans:

• 1003-based data entry: Loan processors can enter application information into the 1003, and then submit the 1003 data to a credit bureau and to Loan Prospector® or Desktop Underwriter® for an automated underwriting recommendation. This functionality eliminates duplicate data entry, which improves operational efficiency and reduces errors to mitigate operational risk.

• Credit bureau access: The LaserPro origination workflow interfaces with credit bureaus; therefore, originators can quickly pull credit bureau reports and populate that data into the application and use it to determine how to proceed with the application.

• AUS (Automated Underwriting System) connectivity to Loan Prospector and Desktop Underwriter: The LaserPro Origination workflow offers connectivity to automated underwriting systems, specifically Loan Prospector and Desktop Underwriter, to enable loan originators to access underwriting recommendations after submitting the 1003 application.

The LaserPro mortgage processing workflow provides the tools necessary to process mortgage loans that are compliant with federal and state statutes and regulations:

• Compliant origination-stage disclosures: The LaserPro mortgage processing workflow enables institutions to remain compliant with federal and state statutes and regulations while producing documents with ‘near origination’ delivery requirements, including Loan Estimate, Written List of Service Providers and Early ARM Disclosures (via the optional Early ARM Module). Tolerance Basis Worksheet, other documents, including Rate Lock Agreements and Commitment Letters, are also provided.

• System to track conditions of approval (for example, verifications, appraisals, repairs, etc.): The LaserPro mortgage processing workflow includes a system to establish and track conditions of approval of the loan, either from the Credit Decision window or via the menu

system, enabling access to the feature from anywhere in the transaction. If an AUS is used, all conditions of approval supplied by the AUS are pre-populated to the conditions list for tracking. In addition, users have the option to print conditions management documentation.

• Access to flood determination services (including data parse): The LaserPro mortgage processing workflow provides access to flood determination services, including population of flood data into the transaction.

LaserPro Mortgage Loan Delivery Workflow

Available to LaserPro Mortgage Origination & Processing module clients, this post-closing workflow facilitates creation of the Uniform Loan Delivery Dataset (ULDD)-compliant export file for later import to the Fannie Mae or Freddie Mac selling systems.

LaserPro Mortgage Doc Prep Module

The LaserPro Mortgage Doc Prep module enables your financial institution to:

• Manage TILA-RESPA Integrated Disclosures (“TRID”) compliance.

• Generate compliant mortgage closing-stage disclosures, including the TRID mandated Closing Disclosure for secondary market or portfolio mortgage loans.

• Generate a document set that includes secondary market Notes, Riders, Addenda and Security instruments necessary to support secondary market loan programs, whether fixed rate or adjustable rate (Treasury, LIBOR, Cost of Funds), including Installment and Balloon payment structures.

LaserPro is the industry’s most innovative compliant loan origination and processing solution. Rely on D+H to ease your compliance burden so you can focus on increasing profitability.

For more information about LaserPro, contact us at 800-815-5592 or dh.com/contactus.

Integrated Solutions

Manage Commercial Credit Risk

CreditQuest® is an end-to-end commercial credit management system that brings origination, analysis, underwriting, documentation, portfolio management and executive reporting together in a single solution. Managing credit and operational risk for the spectrum of commercial facilities, CreditQuest integrates with LaserPro for compliant loan documentation.

Manage Consumer Credit Risk While Increasing Loan Volumes

Expand the power of your consumer lending process and improve your borrowers experience with DecisionPro™, a fully automated consumer loan processing solution that offers efficient and consistent consumer credit application decisioning and underwriting.

Streamline Account Opening

DepositPro® is a deposit account opening solution that guides front-line staff through account opening, streamlining the entire process and culminating in compliant document preparation.

Streamline SBA Lending

Reduce credit risk and boost the efficiency of your small business lending process with the SBA Lending Solution. Use a single application that is integrated with LaserPro to complete your SBA loan package, eliminating duplicate data entry. Further expedite transactions by submitting requests for loan guaranties electronically through the SBA E-Tran system.

Move One Step Closer to Paperless

ProSign® is an electronic signing solution integrated with LaserPro for loan closing and DepositPro for account opening. The ProSign workflow helps you efficiently manage the account opening and loan closing processes – no more missing documents or missing signatures. Electronically sign documents in the branch with a signature pad, iPad® or other tablet computer, then send the completed package directly to your imaging system, eliminating the need to scan most documents.

Documents can also be eDelivered and electronically signed remotely through the partnership that D+H has with eLynx, a leader in the eSignature space. eLynx’s cloud-based platform expedite® allows documents to be delivered and signed anytime, anywhere. Expedite® also supports the inclusion of third party documents like appraisals, to supplement your LaserPro delivery while maintaining full audit trails so you remain compliant.

Take Electronic Applications Through Any Channel

Consumerbot™ — part of the end-to-end consumer lending platform from D+H — makes it possible for lenders to take efficient, error-free

loan applications electronically through every point-of-sale channel: consumer direct via the Internet, in the branch or call center, or through professional loan officers.

MortgagebotPOS™ – a longtime leader in online, automated mortgage application technology – is integrated with LaserPro. Not only does this integration streamline the loan processing workflow by eliminating manual data entry and reducing errors, it incorporates the mortgage application channel into back office workflows.

Customize Your LaserPro Documents

Commercial loan transactions vary in complexity. Use LawyerPro® to convert any LaserPro document to Rich Text Format, making it editable in word processors such as Microsoft® Word®. Standard policies and content are preserved and you gain the flexibility to accommodate any deal.

Control Risk and Use Capital for Growth

Loan participations help you balance your portfolio, limit your exposure for various industries and loan types, and make loans that may exceed your maximum loan limits. Commercial Participation for LaserPro helps you ensure that the documents support the precise role you wish to take as lead institution, maintain a high level of control over the fees and revenue that flow through a participation and simplify participation management and servicing.

Standardize and Geocode Addresses

Reduce the costs of mailings and better target your sales campaigns using GeoPro®, a geocoding solution integrated with LaserPro. GeoPro compares addresses in your database against the U.S. Postal Service’s database to correct errors and flag inconsistencies. GeoPro also stores census tract, MSA and other data for CRA reporting.

Core System Integration

LaserPro interfaces with the bank, credit union and thrift core systems from D+H to accelerate workflow for operational efficiency, helping to eliminate data re-entry and minimize errors. In addition, LaserPro interfaces with more than 70 core systems.

And Many More…

D+H tailors the specific LaserPro functionality licensed to each financial institution to best suit their lending needs. Therefore, depending on your purchasing decision, you may not have access to all of the features referenced in this brochure. There are many other companion solutions in addition to those described here.

Extend the capabilities of LaserPro with integrated solutions and optional modules to maximize your investment and stay competitive in today’s market.

Lending Payments Core Channel Tresury Services Optimization

©2015 D+H USA Corporation. All rights reserved. DecisionPro, Consumerbot and MortgagebotPOS are trademarks and Deposit Pro, GeoPro, CreditQuest, ProSign and Laser Pro are registered trademarks of D+H USA Corporation. D+H is a trademark of D+H Limited Partnership. All other product names or brand names are trademarks and/or service marks of their respective owners, may be registered, and should be treated appropriately.

D+H

800-815-5592

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D+H is a leading financial technology provider the world's financial institutions rely on every day to help them grow and succeed. As a trusted

partner to over 8,000 banks, credit unions, specialty lenders, governments and corporations, the company delivers solutions across six broad

service areas: Lending Solutions, Core Solutions, Channel Solutions, Payment Solutions, Treasury Services Solutions and Optimization

Solutions. Headquartered in Toronto, Canada, D+H has more than 5,500 employees worldwide who are passionate about partnering with

clients to create forward-thinking solutions that fit their needs. D+H is recognized as one of the world's top FinTech companies on IDC

Financial Insights FinTech Rankings and American Banker's FinTech Forward ranking. For more information, visit dh.com.