• Loan Officer takes the application and loads the 1003 in our web based Calyx. • Loan Officer uses the Calyx credit interface (we use Credstar as the credit vendor) to pull the borrower's credit. • Loan Officer uses Calyx LP/DO interface to run AUS findings. • Loan Officer run pricing through Marksman to find best ex. • At this point the Loan Officer can either move to disclosure and submission without appraisal for an initial underwrite or, if the loan is ready, they can order the appraisal from approved AMC.  Additional AMC's can be added if desired. • Loan Officer completes Initial Fee Worksheet in Calyx. • Loan Officer Uploads BRW file into WebTrac along with the Compliance Request Form and our Compliance desk issues initial Disclosures and Re-Disclosures. • Loan Officer works with underwriting in WebTrac. • Underwriters underwrite to standard FNMA/FHLMC/HUD/VA/USDA guides.  They can also utilize DataVerify, CoreLogic, NexisLexus, and Allregs to complete their underwrite.     • Loan revenue appears in AMB Branch Accounting.  Branch Manager administers expenses and payroll through 24/7 web accessed AMB. I believe AMB is the same accounting software in use at Primary. • Loan Officer commissions are reconciled and approved through CommissionTrac.  Branch Manager and Loan Officer receive Electronic Commission statement for approval.  • Commissions are direct deposited via Paychex.  • Each Loan Officer has access to their online HR account through Paychex E-services.  They can track year to date pay, Taxes paid, Benefit contributions, etc. • Loan Officers have individual Expense Reimbursement account through Paychex Expense Manager for 24/7 access to their own Expense account.  This gives each Loan Officer a virtual system to upload receipts for record keeping and have their Expense Reimbursements automatically reconciled through their commissions. • Health Benefits provided through United Health Care. • Great Support Department for all Loan Officer and Branch Manager needs. You can click the "Help" button for a detailed description of our support departments.

• Loan Officer takes the application and loads the 1003 in our web based Calyx. • Loan Officer uses the Calyx credit interface (we use Credstar as the credit vendor) to pull the borrower's credit. • Loan Officer uses Calyx LP/DO interface to run AUS findings. • Loan Officer run pricing through Marksman to find best ex. • At this point the Loan Officer can either move to disclosure and submission without appraisal for an initial underwrite or, if the loan is ready, they can order the appraisal from approved AMC.  Additional AMC's can be added if desired. • Loan Officer completes Initial Fee Worksheet in Calyx. • Loan Officer Uploads BRW file into WebTrac along with the Compliance Request Form and our Compliance desk issues initial Disclosures and Re-Disclosures. • Loan Officer works with underwriting in WebTrac. • Underwriters underwrite to standard FNMA/FHLMC/HUD/VA/USDA guides.  They can also utilize DataVerify, CoreLogic, NexisLexus, and Allregs to complete their underwrite.     • Loan revenue appears in AMB Branch Accounting.  Branch Manager administers expenses and payroll through 24/7 web accessed AMB. I believe AMB is the same accounting software in use at Primary. • Loan Officer commissions are reconciled and approved through CommissionTrac.  Branch Manager and Loan Officer receive Electronic Commission statement for approval.  • Commissions are direct deposited via Paychex.  • Each Loan Officer has access to their online HR account through Paychex E-services.  They can track year to date pay, Taxes paid, Benefit contributions, etc. • Loan Officers have individual Expense Reimbursement account through Paychex Expense Manager for 24/7 access to their own Expense account.  This gives each Loan Officer a virtual system to upload receipts for record keeping and have their Expense Reimbursements automatically reconciled through their commissions. • Health Benefits provided through United Health Care. • Great Support Department for all Loan Officer and Branch Manager needs. You can click the "Help" button for a detailed description of our support departments.