eConsent Quick Reference

Can be done as soon as an email address is obtained

Must be accepted prior to using eSigning timeline (Presumed Receipt date for LE)

If co-borrowers, both borrowers must accept

If customers have previously created an account, they can use the Forgot Password function if needed. o An email with a temporary password will be sent o Temporary password is only good for 30 minutes

If customers lock the account (due to multiple failed attempts) or have issues with pop-up blockers, or other technical issues, submit a ticket through the Support Portal, and let the customer know that a technical support specialist from CrossCountry Mortgage will be contacting them. Provide the following information in the ticket:

o Customer First and Last Name o Customer email address o Loan Number (if applicable) o Customer Phone (best contact number)

Tip: send email or provide customer education information: o Creating account initial password (number address of Subject Property or TBD) o Remember password created – will need later to access documents o Watch video tutorial on creating account eSign Customer Process Forgot or Reset Password o Review customer reference guide

Note regarding email receipt: Sender could also be eFolder@elliemae.com. If you do not receive the email, check your junk or spam folder for this email.

Send eConsent Request through Encompass

•Educate customer on process

•Send through Alert or eFolder

•Pushes email notification to customer

Customer receives email to create account

•Electronic Signature Consent for Loan Documents email

•Create account: address number and create password

•Receives WebCenter Account Activation Request email

•Use password just created to sign in and Activate New Account

•View consent request by clicking on name

•Click on Electronic Signature Consent for Loan Documents

•Use name link to view agreement

•Click I agree button

Encompass tracks consent receipt

•Disclosure Tracking shows date received

•Click magnifying glass for more detail

•Shows borrower(s) eConsent status, Status date, IP Address, and Source

•You can now send eDisclosures

Encompass Step by Step: Using Alert (appears once Application Date is generated)

1. Double click on eSign Consent Not Yet Received Alert 2. Click Request eConsent 3. If joint borrowers, click both borrower names 4. Enable Notify Additional Users and Notify me when borrower does not access by MM/DDYYY (optional) 5. Click Send

From Loan (to use prior to Alert appearing) 1. Click on eFolder 2. Click on eConsent 3. If joint borrowers, click both borrower names 4. Enable Notify Additional Users and Notify me when borrower does not access by MM/DDYYY (optional) 5. Click Send

Customer Step by Step: 1. Receive Electronic Signature Consent for Loan Documents email from LO 2. Use “Click here to visit the website” link 3. On Create New Account Screen:

a. Enter address number (or TBD if no subject property address was ever used in Encompass) b. Enter First Name c. Enter Last Name d. Create New Password (minimum length is 6 characters, maximum length is 20) e. Re-enter New Password f. Click Create New Account button

4. Check email inbox for WebCenter Account Activation Request email from loan officer at eFolder@elliemae.com 5. Use “Click here to activate this account” link 6. Enter password just set up in Create New Account screen 7. Click Activate New Account button 8. Under Loan Detail, click “Electronic Signature Consent for Loan Documents” link 9. Click on name link (for co-borrowers, each borrower will have a separate link) 10. Click the View Button 11. Read through the agreement, scroll down to bottom of screen 12. Click I agree button to send consent 13. Either click Done button, or continue and repeat for 2nd borrower consent if applicable

Encompass Step by Step with Screen Shots:

Using Alert (appears once Application Date is generated)

1. Double click on eSign Consent Not Yet Received Alert

2. Click Request eConsent

3. If joint borrowers, click both borrower names 4. Enable Notify Additional Users and Notify me when borrower does not access by MM/DDYYY (optional) 5. Click Send

Encompass Step by Step with Screen Shots: From Loan (to use prior to Alert appearing)

1. Click on eFolder

2. Click on eConsent

3. If joint borrowers, click both borrower names 4. Enable Notify Additional Users and Notify me when borrower does not access by MM/DDYYY (optional) 5. Click Send

Customer Step by Step with Screen Shots:

1. Receive Electronic Signature Consent for Loan Documents email from LO

2. Use “Click here to visit the website” link

3. On Create New Account Screen: a. Enter address number (or TBD if no subject property address was ever used in Encompass) b. Enter First Name c. Enter Last Name d. Create New Password (minimum length is 6 characters, maximum length is 20) e. Re-enter New Password f. Click Create New Account button

Customer Step by Step with Screen Shots:

4. Check email inbox for WebCenter Account Activation Request email from eFolder@elliemae.com 5. Use “Click here to activate this account” link

6. Enter password just set up in Create New Account screen 7. Click Activate New Account button

8. Under Loan Detail, click “Electronic Signature Consent for Loan Documents” link

Customer Step by Step with Screen Shots:

9. Click on name link (for co-borrowers, each borrower will have a separate link)

10. Click the View Button

11. Read through the agreement, scroll down to bottom of screen 12. Click I agree button to send consent

Customer Step by Step with Screen Shots:

13. Either click Done button, continue and repeat steps for 2nd borrower consent if applicable