October, 2018 © 2018 Ellie Mae, Inc. Ellie Mae®, Encompass®, Encompass360®, and the Ellie Mae logo are trademarks or registered trademarks of Ellie Mae, Inc. or its subsidiaries. All rights reserved. Other company and product names may be trademarks of their respective owners. Products, services and programs are subject to change without notice.

Setting Up the Appraisal Ordering Process Encompass administrators can use the Appraisal Order Management setting to configure the appraisal ordering process for different types of loans. Administrators can also use the Appraisal Service tool to set up merchant accounts that enable authorized Encompass users to pay the appraiser for an appraisal ordered through Encompass before submitting the order to them.

Configuring the Appraisal Ordering Process The setting allow s administrators to select a loan type and then select the configuration options to be used for that loan type. For example, the ordering process can be configured so that appraisal requests for conventional loans are submitted using an automated ordering process, w hile appraisal requests for FHA loans can be sent to an internal order desk for submittal. Five configuration options are available:

No Administrative Controls – Uses the default Encompass settings for ordering appraisals. Users order appraisals based on how individual users have set up the selections for their Ellie Mae Netw ork.

Approved Appraisers Only – Allow s users to select from a list of appraisers or AMCs w ho are set up by the administrator for specif ic loan types and property locations. When an order is placed, the user selects an appraiser from the list of approved providers and submits the order to the appraiser.

Automated Ordering - Random – Defines rules for selecting appraisers from a list set up by the administrator for specif ic loan types and property locations. When an order is submitted, users do not see a list of providers and have no input into appraiser selection. The order is sent to an appraiser that is selected randomly from the list of approved appraisers available for the property ZIP Code and loan type. This option cannot be used w ith AMCs that are integrated into the Ellie Mae Netw ork.

Automated Ordering - Rotating – Defines rules for selecting appraisers for specif ic loan types and property locations in rotating order from a list set up by the administrator. When an order is submitted, users do not see a list of providers and have no input into appraiser selection. The f irst time an appraisal is ordered, Encompass starts at the top of the appraisers list on the Manage Appraisers tab. If the appraiser is available for the ZIP code and loan type, the order is submitted to the appraiser. If not, Encompass continues dow n the list until the f irst suitable appraiser is located. (Appraisers are not selected if they have enabled their Out of Office - Auto Reply option in the Encompass Appraisal Center.) The next time an order is placed, Encompass begins the selection process on the entry directly below the appraiser w ho received the previous order. When Encompass reaches the end of the list, the selection process starts again at the beginning of the list. This option cannot be used w ith AMCs that are integrated into the Ellie Mae Netw ork.

Internal Order Desk – Defines rules for submitting orders through an internal order desk. When a user requests an order, they do not see a list of providers. The order is sent to an authorized internal order desk user w ho is then responsible for submitting the order to an approved appraiser or AMC by selecting from a list that is set up by the administrator. The internal order desk user is responsible for all communication w ith the appraiser or AMC and for keeping the user w ho requested the order updated on the appraisal order's status.

When is the appraiser’s information displayed? The appraiser’s name, email, and phone number are displayed in the Appraiser Information section of the Order Appraisal w indow based on the appraisal order configuration set up by the system administrator. The appraiser information is displayed if any of the follow ing conditions are true:

The current user ID is admin

The order configuration set up by the administrator is not Automated Ordering – Random, Automated Ordering – Rotating, or Internal Order Desk

The current user is an authorized internal order desk user w ho is fulf illing the order

The order status is not Requested, Re-requested, Expected, or Accepted

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Access the Appraisal Order Management Setting 1. On the menu bar, click Encompass, and then click Settings. 2. On the left panel, click Business Rules, and then click Appraisal Order Management. 3. On the Appraisal Order Management screen, click Change Settings.

Appraisal Ordering Options Tab Use the Appraisal Ordering Options tab to select the ordering option associated w ith each loan type, and to set up the personas that can use this option to order appraisals. To Select the Ordering Option for a Loan Type: 1. On the Appraisal Ordering Options tab, select a loan type from the list.

2. Select an ordering option from the list.

3. To save your changes, click the Save icon.

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Note: For the No administrative controls option, no further configuration is required. The ordering process w ill be defined by the user’s individual My Ellie Mae Netw ork account setting.

Use the instructions below to configure the Approved Appraisers Only and Automated Ordering Options. If you selected the Internal Order Desk option, complete the additional steps described in the To Configure the Internal Order Desk Appraisal Ordering Option section on page 4.

To Configure Persona Settings for the Approved Appraisers Only and Automated Ordering Options: 1. On the Appraisal Ordering Options tab, in the Personas section, select the appropriate check boxes:

Enable Ordering - Give a persona permission to order an appraisal.

Allow COD - Allow the user to select COD from the Paid By drop-dow n list w hen ordering an appraisal.

Allow Invoice - Allow the user to select Invoice from the Paid By drop-dow n list w hen ordering an appraisal.

Note: To give a user permission to select the Borrower payment option, use the Appraisal Services setting. Refer to the Setting up Appraisal Payment Options section on page 9 for information about this setting.

Send Purchase Price - Include the purchase price of the subject property w hen the order is submitted to the appraiser.

Allow Comments for Accepted Orders - Allow the persona to send comments and attachments to the appraiser after the appraisal request is submitted.

2. Click the Save icon to save your changes. Note: For the Approved Appraisers Only and Automated Ordering Options, no further configuration is required.

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To Configure the Internal Order Desk Appraisal Ordering Option If you selected the Internal Order Desk ordering option, you must set up the internal order desk option (w hich includes setting up the appraisal ordering rights for each persona and authorizing specif ic users to be internal order desk users) and ensure the authorized internal order desk users have the required loan access rights so they can access the appropriate loans w hen an appraisal order is submitted. Follow the steps below .

1. On the Appraisal Ordering Options tab, in the Personas section, select the appropriate check boxes: Note: The permissions you set up here do not affect the internal order desk user. Their permissions are hard-coded and not based on their persona. View the To Set Up the Required Loan Access for Internal Order Desk User: section on page 6 for more information about the lock desk user’s permissions. Enable Ordering - Give a persona permission to order an appraisal. Their order w ill be sent to an internal order desk

user w ho w ill then submit the order to an appraiser or AMC.

Allow COD - Allow the user to select COD from the Paid By drop-dow n list w hen ordering an appraisal.

Allow Invoice - Allow the user to select Invoice from the Paid By drop-dow n list w hen ordering an appraisal. Note: To give a user permission to select the Borrower payment option, use the Appraisal Services setting. Refer to the Setting up Appraisal Payment Options section on page 9 for information about this setting.

Send Purchase Price - Include the purchase price of the subject property w hen the order is submitted to the appraiser.

Allow Comments for Accepted Orders – This option is disabled for all personas. Note: When you select the Internal Order Desk option, the appropriate check boxes for each persona are automatically selected based on the permissions set up in the Personas settings tool (under Company/User Setup). Although the Allow Comments for Accepted Orders option is disabled for all personas, the internal order desk user is granted this permission. This allow s them to send comments and attachments to the appraiser after the order is submitted via the Appraisal Order Status w indow , w hich is accessed by clicking the Document icon next to the Order Appraisal button on the Services tab. The internal order desk user is the only user w ho is authorized to communicate w ith the appraiser.

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The permissions set up on the Appraisal Ordering Options tab determine the options and actions the persona has access to w hen ordering an appraisal. For example, if the administrator has set up a loan off icer w ith just the Enable Ordering option, they can view the Order Appraisal w indow and submit the order, but they cannot access the Paid By drop-dow n list, nor is the purchase price displayed.

2. In the Internal Order Desk Options section, enter the Encompass user ID for each user you are authorizing to be an internal order desk user. These users are authorized to submit appraisal orders for other users. Note: Use commas to separate multiple entries, and make sure users w ho are assigned to the internal order desk have suff icient loan access rights to open loans to submit appraisal orders. View the To Set Up the Required Loan Access for Internal Order Desk User: section on page 6 for more information.

3. Next, enter the email address of the authorized internal order desk user w ho is responsible for submitting the order to one of the approved appraisers specif ied in the Internal Order Desk User IDs f ield.

4. Click the Save icon to save your changes.

5. Click Close to close the Appraisal Management w indow .

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To Set Up the Required Loan Access for Internal Order Desk User: Provide the required loan access settings to the authorized internal order desk users so that they can access the loan w hen an appraisal order is submitted by another user.

1. On the left panel in Encompass Settings, click Company/User Setup, and then click Organization/Users.

2. In the upper panel, click to select the organization folder in w hich the internal order desk user is located. You may need to expand the hierarchy to locate the folder.

3. Select the user in the Enabled Users list, and then click the Edit icon.

4. In the Access to Subordinates’ Loans section, select Access to all loans in the same level, and then select Edit.

Optionally, you may select Edit Subordinates’ Loans, but this is not a required setting for internal order desk users.

5. Click Save to save your settings.

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Manage Appraisers Tab Use the Manage Appraisers tab to manage the list of appraisers w ho can fulf ill orders, to grant specif ied users permission to edit the list of approved appraisers, and to configure the appraiser selection rules for specif ic loan types and property locations.

To Add or Remove Appraisers From the List of Approved Appraisers: 1. To add an appraiser, click the Manage Appraisers tab, and then click the New icon.

2. On the Appraisers Directory w indow , click the New icon, enter the appraiser’s information, and then click Save .

Or, on the Appraisers Directory w indow , click the Add From Business Contacts icon to open the Business Contacts Tool and select an appraiser.

Or, on the Appraisers Directory w indow , click the All Appraisers tab, enter or select search criteria by ZIP Code, location or lender. Select an appraiser or AMC from the list, and then click Add to My Appraisers. Note: Appraisal management companies (AMCs) w ill not be selected w hen a user orders an appraisal via the automated ordering process.

3. To remove an appraiser or AMC from the My Appraisers tab, select the appraiser you w ish to remove, and then click the Delete icon.

4. Continue adding or removing appraisers until your list is complete, and then click Close.

The appraisers display on the Manage Appraisers tab.

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To Allow Users to Edit the List of Approved Appraisers

1. To grant specif ied users permission to edit the list of approved appraisers, click the Permissions link on the upper-right. 2. On the Permission for Manage Appraisers Tab w indow , enter the user ID for each user, separating multiple entries w ith

commas.

3. When finished, click OK.

4. In addition, you must also grant the user permission to the Appraisal Order Management setting via the Personas setting. For example, if the user to w hom you are granting this permission is assigned w ith the Loan Officer persona, you must go to the Personas settings, select the Loan Officer persona, and then update the persona w ith permission to the Appraisal Order Management setting. To do this:

In Encompass Settings, navigate to Company/User Setup > Personas.

Select Loan Officer in the left panel, and then click the Settings tab.

In the Company Settings section, select the Business Rules check box, and then select the Appraisal Order Management check box.

Click the Save icon to save these changes.

Repeat these steps for additional personas as needed, if you are granting additional users w ith different personas w ith access to the Appraisal Order Management setting.

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Note: When one of the specif ied users orders an appraisal, a Manage Appraisers link displays on the Order Appraisal w indow . Users can click the link to access the list of approved appraisers. They can then add and delete approved appraisers, or edit the service areas and loan types for an approved appraiser.

To Create Appraiser Selection Rules for Specific Loan Types and Property Locations:

1. Back on the Manage Appraisers tab, select an appraiser from the Appraisers list.

2. On the State and County panel, select an individual state from the drop-dow n list, or select ALL to select all states and counties. If you selected an individual state, select one or more entries from the List of Counties and ZIP Codes, and then click the Right Arrow to add the counties to the list of Selected Counties and Zip Codes.

To select a specif ic ZIP Code w ithin a county, click the plus sign to the right of the county.

To add more than one county at a time, click a county name, press and hold the CTRL key to select additional counties, and then click the Right Arrow icon.

3. To remove a state or county, select it from the Selected Counties and ZIP Codes list, and then click the Left Arrow icon.

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4. On the right, select the check boxes for the types of loans the appraiser is allow ed to service.

5. Click the Save icon in the upper-right of the Appraiser Options panel to save the changes, and then click Close .

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Setting Up Appraisal Payment Options Using the Appraisal Service tool in Encompass Settings, you can set up a merchant account and enable users to charge the borrow er's credit card for appraisal ordering fees before sending the order to the appraiser.

In order to enable users to charge the borrow er for an appraisal order, you must f irst complete these steps (in order):

Set up a merchant account w ith a provider (such as Blue Pay).

Indicate that you w ant to use a merchant account to pay for appraisal orders.

Authorize users to charge the borrow er for the appraisal order.

Merchant Account Setup Set up a merchant account to manage credit card and/or debit card transactions for appraisal orders. To do so, complete the follow ing three procedures.

Set Up a Merchant Account With a Provider Your f irst step is to contact your merchant account provider to learn about account requirements or setup prerequisites. Refer to the Set Up a Merchant Account topic in the Encompass online help for specif ic instructions and merchant account provider contact information. Note: You must set up a merchant account w ith a provider before proceeding to the next procedure (Indicate You Want to Use a Merchant Account to Pay for Appraisal Orders).

Indicate You Want to Use a Merchant Account to Pay for Appraisal Orders

1. On the menu bar, click Encompass, and then click Settings.

2. On the left panel click Additional Services, and then click Appraisal Service.

3. On Appraisal Service panel, in the Merchant Account Setup section, select the provider from the Merchant Account drop-dow n list.

4. Click the Account Settings button to verify your account ID and Secret Key, and then click OK. Note: The Account ID and Secret Key are provided by your service provider.

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Authorize Users to Charge the Borrower for an Appraisal Order Once you have set up your merchant account w ith a provider and indicated that you w ant to use a merchant account to pay for appraisal orders, you must authorize selected users to charge the borrow er for an appraisal order. Users w ho are not authorized here w ill not see the Borrower Paid By option w hen ordering appraisals.

1. On the menu bar, click Encompass, and then click Settings.

2. On the left panel, click Additional Services, and then click Appraisal Service.

3. On Appraisal Service panel, in the Enabled Users section, select one or more check boxes to specify w hich users are authorized to charge the borrow er for an appraisal order.

4. Click the Save icon to save your selections.