Instruction Manual MLC Responsibilities

I. Client Server Files

II. Closing Agent Packages

III. Compliance Files

IV. Empower.Net Files

V. FedEx

VI. Friday Reports

VII. Loyalty Express/Martketing Portal

VIII. Printing Issues

IX. Supply Orders

X. Third Party Requests

 I. Client Server Files
Empower Client Server files are still completed as they always have been. For those files, all of
the documentation must be in them just like always. Use the File Stacking Order sheet to put
your information in the proper order. You can also use a recent Client Server file I have done for
you to see the ordering of the disclosures, etc. PLEASE be sure to do a double-check of all of
the information in the file before it goes out. Since I will not be there as the second pair of eyes,
this will be vital, especially if you have been waiting on one piece of documentation for a while
and are just finally getting the file sent in. Bank statements or pay stubs may have expired, etc.
Please also remember that on Client Server files, the Welcome Letter and Advanced Disclosure
Cover Letter are REQUIRED to be in the disclosure section.

Once you have your file in the correct order, double-checked and ready to go out, you need to
make a copy for yourself. If it is a file that Heather will be the processor on, you will need to
make two copies one for you and one for her. Heathers copy goes in one of the red folders on
my desk. These can either be sent out at the end of the week or sent down if Raymond goes to
Inverness. Tag the files as instructed in the file tagging attachment, just leave off the .Net file
portion.

***NOTE: e-Flex files go in the special mint green folders, not the brown folders. Also
HARP files only need one copy for you Heather does not process the HARP.***

II. Closing Agent Packages

When there is a need to have a closing agent re-activated or added to Empower Client Server or
Empower.net, the attached closing agent package needs to be sent for their completion. Of
particular importance is making sure they complete the package and also include the Insured
Closing Letter with our mortgagee clause on it. That should read as follows: Regions Bank
d/b/a Regions Mortgage, P.O. Box 1565, Cordova, TN 38088-1565.

Once all of this documentation is received, the top page needs to be completed and Raymond
needs to sign the Approved by line. When that is done, scan the package and forward it to
Mortgage Closing Agents. Make sure in the e-mail you tell them who the borrower is, what kind
of file it is, the loan number, and the property address. They will then e-mail back when the
process is complete.

In the case of inactive loans, make sure to send them the current Empower Client Server or
Empower.net ID for the company.

If there is a company that exists as active in Client Server but has not been added to .Net, send
Mortgage Closing Agents an e-mail with the current Client Server ID for that company and
request they add them to .Net. If they are active in Client Server, they should not need to fill out
a new package.

III. Compliance Files

For Compliance files, please be sure to tag the front with Compliance, Withdrawal (or Decline),
and MLO: your name. For .Net files - - A complete compliance file must be sent in just like for
Client Server files.

IV. Empower.Net Files

The first and most important instruction when it comes to the entry of Empower.net files is to
follow along with the book from the beginning. When you enter the information in .Net as you
follow along in the book, the combination of the words and the physical motions helps to
reinforce your learning.

The second instruction is to make sure that you scan the contract into the GDR as soon as you
receive it. You can attach it in .Net to the appraisal request and save yourself the steps of
printing the cover sheet and faxing it, but the contract must be in the GDR already to do this. It
takes about an hour for documents to show up in the GDR, so if you scan it in as soon as you
receive it, the file should be available when you go to order the appraisal.

Next be sure that you scan in your documentation and go through everything thoroughly
BEFORE sending the file to Initial Loan Review. This works as a way of double-checking the
information you have entered and also keeps the loan file available for revision. Once you send
to Initial Loan Review, the file is gone from your queue and your availability to make any
changes is minimal. Make absolutely certain that you are ready to send it before you hit send.
Document Scanning:

The document scanning for .Net files is currently broken down into two parts. Part I is the bar-
coded documentation that Kofax can read, and Part II is the non-bar-coded documentation that
must be forwarded by e-mail.

The bar-coded documents are any of the documents generated by .Net and signed by the
customer that have the small little code box in the bottom right corner. This bar code allows
Kofax to read the document and assign it to the right file. For the majority of loans, the
documents that need to be sent through Kofax are as follows:

Signed final 1003 (signed by you the LO)

Signed and dated 4506(s)
Signed and dated Credit Monitoring disclosure
Signed and dated SSN form(s)
Signed and dated borrowers authorization

For FHA and VA files, there are a couple of other Kofax bar-coded documents:

FHA:

Signed and dated URLA Addendum (signed by you and customer)

FHA Amendatory disclosure
Real Estate Certification

VA:

All signed disclosures plus completed Certification of Documents form that can be found
under QuickPrint

VA is its own animal and ALL of the signed disclosures are required to be in the file and
scanned.

Once all of these bar-coded forms are ready to be scanned into Kofax, go to the copier and hit the
Kofax button. It will take the system a moment to connect to the server. Then put your
documents in the feeder and hit the Scan button. The system will scan the documents and then
take you to a screen where you will want to choose the Send and Exit button. After you hit
that button, it will take the system a minute to connect to the server again and send the docs, then
it will take you to the screen where you can hit the house button and return the copier to its main
home page. This is all outlined in the .Net origination manual in the very back Uploading
Signed Docs tab.

For Part II, you need to get together the documentation that Kofax cannot read. This will consist
of the following:

Income documentation
Asset documentation
Patriot Act documentation
Miscellaneous documentation
Sales Contract (if you have not already scanned it in)

For this documentation, you will need to write the customers name and loan number at the top
of the first page, then scan this package to yourself. When the scan arrives, choose Forward with
Attachments and send it to RM_Imaging@regions.com. You do not need to put anything in the
subject line of the e-mail except Loan Docs because the system cannot read anything else. BE
SURE TO DELETE YOUR SIGNATURE BUSINESS CARD OR ANY ANIMATIONS
ON YOUR SIGNATURE LINE BEFORE SENDING! If you send with animations or the
business card on your e-mail, the system will not read it and it will not be scanned in.

Paper File:

For the time being, paper files must still be sent in to the OPS centers to go with the .Net
electronic file. Attached is the blank cover sheet to fill out. You write the borrowers name and
loan number at the top and check off what is in the file. This should consist of:

Final 1003
Income docs
Asset docs
Signed and dated 4506(s)
FHA/VA disclosures (if applicable)
 Patriot Act docs
Miscellaneous docs (i.e. taxes, insurances, docs to clear FraudGuard, etc.)
Sales Contract
Disclosures (which on regular files is the Credit Monitoring disclosures, signed and dated
SSN(s), and signed and dated borrowers auth)

Make a copy of this file for your records and then punch and fasten everything on the right-hand
side of one of the brown folders. When tagging the file, please do the following:

Write the borrowers name and loan number on the tab

Write .Net file in the top right corner
Write what kind of loan it is under that
Write refi or purchase under that
If purchase, write Contract Close Date and the date after that
Then write MLO: Your Name
Then in the middle of the file write Please give to Underwriter

An example of a tagged file and a completed stacking order cover sheet are attached.

V. FedEx
I have printed multiple FedEx labels for all of the main ports where FedExes tend to go.
Raymond has the login and password to create more as needed. For the time being, my desk will
remain the dropoff point for FedEx. Please make sure to try to wait until the end of the day to
get packages together so multiple packages are not going out to the same place.

VI. Friday Reports

In lieu of the normal Friday reports I would run and send out, Raymond will be forwarding the
report pulled weekly by Maria Shulte. As far as .Net goes, you have the ability to filter your
pipeline within .Net. Attached is a job aid I received at SME training with all of the filters
MLOs have available. If you go into .Net and go to Open like youre going to open a loan, under
Search By in the top left is a heading called Work Queue Filter. Choose the appropriate filter
from the drop-down menu and hit Search. If you want to print the information, choose Export
after you do the search (Export is button next to Search) and it will export to an Excel
spreadsheet. This will be the way to track your pipelines once Client Server is no longer active.

VII. Loyalty Express/Marketing Portal

Adding in Partners and Setting Up Newsletters:

There are several documents out on Life@Regions in the RMP section about how to do things in
RMP, including a document about how to Add a Partner in Loyalty Express and one about
Placing Orders. I would suggest utilizing these documents that they have provided as they
include screen caps to show you exactly where to click.

NOTE: You can put information in Loyalty Express, but you cannot export it out. As such, my
advice is to enter your partners on a spreadsheet and upload them into Loyalty Express so that
you retain a master list of all of your contacts. If I entered some for you, you will have the
spreadsheets in the individual files that Tessa copied over onto your desktops. Just highlight the
information (except for the column headings) and enter new, then Save As something else. For
example, if you have a file that says KCLoyaltyExpressMaster and you erase and enter new info,
then Save As KCLoyaltyExpress042514 and that way you will not overwrite previous
information.

Once you have your spreadsheet, follow the instructions for adding a partner available out on
Life@Regions, except instead of clicking Add Contact you will click Upload Contacts. Then
choose Partner from the drop down next to Contact Type. Click the box that says First Row
Contains Column Headings and browse for your spreadsheet. Click Upload once your file is
chosen. You will be taken to a screen where you can make sure and match up your column
headings. If one comes up Skip or Select Option (i.e. for Title on your spreadsheet, choose
WorkTitle from the dropdown). Once all column headings match, click Next, then click Finish.
You will then get a message that your contacts have been added and you need to wait 48 hours
for them to be scrubbed against the Do Not Call/Do Not Mail/Do Not E-Mail lists.

When that 48 hours is up, go back into Loyalty Express and go to Marketing. Choose
Newsletters from the On-Demand box on the left (second box down). Go to the Weekly Market
Update Email and choose Order. Under Step 2, click Create Recipient List. On the top right
side, click the drop-down arrow next to Contact Type and choose Partner. Then under Step 2,
click the button that says Use the above criteria to Create/Replace the existing recipient list for
this order. This will take you to a screen that shows your newly added people. Click Return to
Order Screen and then when you land on the new page, click Approve at the bottom. Your new
added partners will now start receiving your e-newsletter.

Printing Flyers/Ordering Items:

Sign in to the left-hand side of the Regions Marketing Portal. Choose which flyer you want to
print and follow the steps to add it to your cart. MAKE SURE TO DOUBLE-CHECK YOUR
PERSONAL INFORMATION - - some of the information did not dump correctly and phone
numbers may not be right. Go through the checkout process and then go to your orders, find the
most recent, download the file, open, and print.

To order any items out of the Marketing portal, you must use a credit card - - there is no way to
charge items to the cost center. Follow the steps for whatever product you want to order, enter
your payment information and checkout as usual.

VIII. Printing Issues

For issues printing pictures, .jpg files, etc. that would normally be sent to me, you will probably
need to either a) ask the borrower to send in another format or b) contact tech support. For some
reason the configuration on the laptops causes issues. You may also try logging in on my
desktop system and see if you can print better from there.

IX. Supply Orders

For all supply ordering needs, you will need to get with Raymond. He will order as needed as
well as any special orders like golf towels, promotional merchandise, etc.

X. Third Party Requests

Requests for third party items such as SSNs, 4506 transcripts, VOEs, VORs, VOMs, etc. will
revert back to the processor to complete. Please remember that it is a conflict of interest for you
to do these things so just make sure if you know these items will be required for your file, that
you let your processor know ahead of time and send them the signed borrowers auth to order.