Training Manual

LenStar

LenStar Version 1.00 BridgeLink Group

85 Enterprise Drive, Suite 450 Aliso Viejo, CA 92656 949.829.9400 http://www.London-Bridge.com

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LenStar

London Bridge in the US operates as LBSS, Inc. Copyright © 2003 LBSS, Inc. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, transcribed or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of LBSS, Inc. LBSS, Inc. 85 Enterprise Drive, Suite 450 Aliso Viejo, CA 92656 949.829.9400 http://www.London-Bridge.com LenStar Training Manual Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar PUBLICATION DATA Last Revised: 01-16-03 Publication Title: LBSS, Inc., LenStar Training Manual Author: Revision History

Version

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01 01

01 02

Revision Date 05/14/02 01/16/03

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Comment/Reference Formatted to BridgeLink Template Restructured Sub-Topics

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TABLE OF CONTENTS 1 2 3 4

Introduction...............................................................................................................................................................................7 About This User Guide ............................................................................................................................................................7 Minimum System Requirements .............................................................................................................................................8 CHAPTER 1: GETTING STARTED ........................................................................................................................................9 4.1 Logging Into LenStar .......................................................................................................................... 9 4.2 Searching for a Loan ........................................................................................................................ 10 5 CHAPTER 2: WORKLIST .....................................................................................................................................................12 5.1 Working the WorkList........................................................................................................................ 12 5.2 Changing the Effective Date ............................................................................................................ 13 5.3 Showing All Processors.................................................................................................................... 14 5.4 Color Coding ..................................................................................................................................... 14 5.5 Printing Your WorkList...................................................................................................................... 14 6 CHAPTER 3: LOAN INFORMATION....................................................................................................................................15 6.1 Foreclosure Loan Information .......................................................................................................... 15 6.2 Bankruptcy - Motion for Relief Loan Information............................................................................. 18 6.3 Proof of Claim Loan Information ...................................................................................................... 25 6.4 Deed in Lieu Loan Information ......................................................................................................... 34 6.5 Eviction Loan Information ................................................................................................................. 37 7 CHAPTER 4: EVENT TRACKING ........................................................................................................................................41 7.1 Overview of Tracking Elements ....................................................................................................... 41 7.2 Foreclosure Tracking Screen........................................................................................................... 46 7.3 Bankruptcy Relief Tracking Screen ................................................................................................. 51 7.4 Proof of Claim Tracking Screen ....................................................................................................... 54 7.5 Deed in Lieu Tracking Screen.......................................................................................................... 62 7.6 Eviction Tracking Screen.................................................................................................................. 64 8 CHAPTER 5: FILE HISTORY ...............................................................................................................................................68 8.1 Viewing a File History Message ....................................................................................................... 69 8.2 Sending a File History Message ...................................................................................................... 69 8.3 Receiving a File History Message.................................................................................................... 71 8.4 Reading Messages from the Servicer ............................................................................................. 71 8.5 Forwarding Messages from the Servicer......................................................................................... 72 8.6 Forwarding File History from the WorkList ...................................................................................... 73 8.7 Printing File History Messages......................................................................................................... 73 9 CHAPTER 6: CALENDAR SYSTEM ....................................................................................................................................75 9.1 Adding Calendar Tasks .................................................................................................................... 76 9.2 Editing Calendar Tasks .................................................................................................................... 77 9.3 Completing Calendar Tasks ............................................................................................................. 78 10 CHAPTER 7: REQUEST SYSTEM .................................................................................................................................79 10.1 Vendor Requests .............................................................................................................................. 80 10.2 Servicer Requests ............................................................................................................................ 83 11 CHAPTER 8: DOCUMENT TRACKING..........................................................................................................................87 11.1 Adding a Document .......................................................................................................................... 88 11.2 Editing a Document .......................................................................................................................... 89 12 CHAPTER 9: HOLD SYSTEM .........................................................................................................................................90 12.1 Adding a Hold.................................................................................................................................... 90 12.2 Editing a Hold .................................................................................................................................... 92 12.3 Ending a Hold.................................................................................................................................... 94 12.4 Removing an End Hold Date............................................................................................................ 95 12.5 Viewing a Hold Detail ....................................................................................................................... 95 13 CHAPTER 10: ELECTRONIC MAIL ................................................................................................................................97 13.1 Composing LenStar E-mail .............................................................................................................. 97 13.2 Reading LenStar E-mail ................................................................................................................... 99 13.3 Forwarding LenStar E-mail............................................................................................................. 100 14 CHAPTER 11: WORKING WITH LENSTAR MENUS ..................................................................................................102 14.1 Toolbar Menus ................................................................................................................................ 102 14.2 LenStar’s Date Selection Box ........................................................................................................ 123

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1

Introduction

Welcome to LenStar, the data communications and work flow management tool of choice for the mortgage banking industry. LenStar is not vaporware; it has a proven client base that has been installed in over 450 sites since June, 1996. Change is here to stay. Nowhere is this more true than in the world of default servicing. There is a continued demand for improved control of critical processes, elimination of timeconsuming tasks, compression of time frames, and meeting internal requirements. The goal is to answer these demands while lowering the cost of servicing, by increasing the number of loans handled per employee. This creates a constantly evolving and challenging environment. One answer to this challenge is the interactive data exchange tool called LenStar. LenStar allows lenders and attorneys involved in servicing loans in foreclosure and bankruptcy to share information quickly and easily. LenStar also provides improved information management for the lender and the attorney via online work lists. In addition, LenStar enables you to run a variety of reports that can be saved in Excel format. And LenStar provides an increased capacity to react to compliance issues before penalties are assessed. LenStar’s communication and tracking software gives servicers and their attorneys the ability to communicate via computer. This virtually eliminates the need for telephone calls and faxes. Paperless referrals take a fraction of the time normally required. As a result, LenStar software eliminates mail and copier costs. The LenStar system (which is based on templates controlled by each servicer) dictates events to be completed on a file, automatically assigns responsibility for each step to the attorney or servicer, and prepares a timeline for completion of each event and its case. Attorneys and servicers update cases on LenStar, and the information systematically flows back to the lender’s servicing system, at their discretion. Now, you can work faster and more efficiently than ever before by using the wealth of features LenStar provides.

2

About This User Guide

This user guide provides information about LenStar tools and commands. Before using LenStar, you should have a working knowledge of your operating system and its conventions. Be familiar with running programs on the Microsoft Windows platform. It is assumed that you know how to launch programs, use a mouse, copy, paste, open, save, print, and close files. For help with any of these techniques, see the documentation that came with your computer. Unless otherwise noted, illustrations and instructions in this user guide show LenStar running in the Windows 95 operating system. Once you have read this user guide, you will be equipped to:

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• Add and edit tasks pertaining to particular loans. • Track a variety of tasks and their due dates. • Obtain information from, and exchange information with, your loan servicer. • Review the case history for each loan. Ultimately, this user guide allows you to discover the features of every module that comes with LenStar.

3

Minimum System Requirements

To use the LenStar product, you need the following hardware and software: • Computer with Windows 95/98, Windows NT version 4.0, or Windows 2000 operating system • 64 MB of RAM for Windows 95/98 or NT • 10MB (minimum) of disc space for a standard installation, 20MB (minimum) of disc space for FHLMC designated counsel installations. Allow at least 10kb of disc space per case being tracked for the life of the case, for future growth • Color VGA monitor • Mouse • 28.8K (or faster) modem, connected to a phone line with a dial-out long distance carrier (one per site, not per user), or an Internet connection Additional Recommendations: • Client-server module Advantage Database Server 5.7 (or later) from Extended Systems. The client-server module requires Netware 3.11, 3.12 or 4.1x, Windows NT Server 4.0, or Windows 2000 • LAN for running in multi-user mode

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4

CHAPTER 1: GETTING STARTED

4.1 Logging Into LenStar Each person has a login name, which allows an individual to gain access to the LenStar System. The manager of your site designates the level of security that an individual may or may not have. The available types of access for the LenStar program are manager, user or viewer. For more information, see Chapter 11: LenStar Menus. 1. Open LenStar; a LenStar Login box will appear

2. Enter both your user name and your password into the corresponding fields 3. Click “OK”. Once you log on to LenStar, you will see a gray screen with the menu and tool bar items.

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4.2 Searching for a Loan To search for a loan, click the “Find” button, and LenStar’s search screen will appear:

In the Search By group box located near the top of the screen, you can choose from six different ways to access any loan. You can search by: • • • • • •

Loan Number Investor Loan Number Current Borrower Street Address LenStar Number Vendor File Number

Your chosen Search By method will be displayed to the left of the Search Grid, next to the action indicator arrow. If a file is closed, the loan number field will be shown in red:

In this example, you will select Loan Number as the searching method, but if you later select another Search By method, you will follow the same steps: 1. Click the “Loan Number” button. 2. Enter a loan number into the Search Text field and click “Begin Search”. If an exact match is found, the Search screen will close, and the Event Tracking screen will appear. If your loan Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar number was not found, a “No Exact Match! – Found Closest!” message will appear in the Status Bar at the bottom of the screen. If your loan number was found multiple times, a “Multiple Actions. Please Select!” message will appear in the Status Bar at the bottom of the screen. Inputting complete Search Text is not necessary; you may enter partial information, and the system will take you to the first file that meets the criteria entered. When you do this, a “No Exact Match! - Found Closest!” message will appear in the Status Bar at the bottom of the screen. 3. If you see your loan listed in the display grid, use your mouse pointer to highlight it. 4. Click “Select”, or double-click the loan in the display grid. The Search screen will close, and the Event Tracking screen for your loan will appear. After you have done your search, you will move from the Search screen to the Event Tracking screen. The bar at the top of your screen identifies in which module you are working. A Priority message may appear to advise you of important items that need to be addressed. Click “OK” to close the Priority message. Once you are in the Event Tracking screen, you can choose any of LenStar’s available options. This will allow you to view information pertaining to your loan, as well as to receive help. LenStar loan cases currently fall into one of five actions: Foreclosure (F), Bankruptcy (B), Eviction (E), Proof of Claim (P), and Deed in Lieu (D). On the list of loans, the characters F, B, E, P, and D appear at the far left to indicate the case type, which is also called “action type” or “action indicator”. This designation coincides with the type of Event Tracking the loan will have.

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5

CHAPTER 2: WORKLIST

The WorkList is a real-time queuing system, which allows the loan processor to work with items in need of attention in a quick, efficient manner. For each processor assigned to a specific loan, the WorkList displays action items chronologically, from most delinquent to least delinquent. You also have the option of viewing incomplete work for all processors. When you use LenStar’s WorkList, loans no longer fall through the cracks. You can easily access items needing attention. Since the system automatically navigates to the correct screen and loan to process work, there is a minimal amount of training required. The WorkList provides management with a simple method of viewing work to be done by the processors. It is important to review all WorkList items daily to meet the servicer’s needs in a timely manner. 5.1 Working the WorkList To activate the WorkList, click the WorkList tool from the toolbar. When you first open the WorkList, File History items will be displayed by default. The File History WorkList module is an important feature of the system. It alerts you to all incoming messages from the servicer. File History is where you will receive notification of new referrals. To work through all items in the WorkList, you must work through all modules in the WorkList, including: • • • • • •

File History (enables communication with the loan servicer) Calendar Items (enables scheduling follow-up items for future dates) Servicer Requests (enables obtaining requests from the servicer) Vendor Requests (enables requesting items from the servicer) Hold System (enables placing holds on loans) Foreclosure, Bankruptcy, Proof of Claim, Deed in Lieu, and Eviction Tracking (enable tracking event items for various loans and their action types)

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1. To work through the various modules, click the button for the appropriate module from the Module Group on the WorkList screen. The screen shows all loans that need attention in the selected corresponding module. 2. To pick a WorkList item, double-click the item that you want to view from the list, or select the item with your pointer and click “Select”. This will open the appropriate screen and loan for the WorkList item you selected. Once the WorkList takes you to the appropriate screen, you must follow the instructions for that module in order to complete the specific task. The items in the WorkList are displayed in projected date order, with the oldest item at the top. 5.2 Changing the Effective Date By default, the WorkList displays items that are due or past due as of the current date. If you want to view items in the WorkList coming due, change the Effective date to display them. Changing the Effective date does not affect File History items, because File History contains unread items. 1. Double-click the date in the Effective field at the bottom of the screen to change the WorkList effective date. LenStar’s Date Selection Box will appear. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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2. Change the Set Date To field by using the navigation buttons to choose your date, or by entering the date in the box in the upper right corner. When you choose your date, the new date will appear in the Effective field, and the upcoming items appear in your WorkList. See Chapter 11: LenStar’s Date Selection Box for detailed instructions on the use of the date box. 5.3 Showing All Processors The WorkList defaults to “Show All Processors” to review all work requiring completion for a particular process or module. If you want to view a list for a particular LenStar processor in your office, uncheck “Show All Processors”. Move to the Processor Name field. Use the dropdown arrow to see a list of processors. When you find your choice, double-click the name. A list of loans for that individual will appear. 5.4 Color Coding All WorkList Tracking modules use Color Coding for ease in determining when someone last accessed a loan. There is a color code legend located on the WorkList screen, indicating how many days each color represents. Once you have accessed a loan on the WorkList, the background for the tracking element is displayed in dark gray; this shows if you have accessed an item on the current day. If the WorkList item is incomplete, it will remain on the WorkList until completed. Only tracking module items turn dark gray once they have been accessed in the WorkList. 5.5 Printing Your WorkList You can print a hard copy of each WorkList module. To print the WorkList for all of the processors, check the Show All Processors field. The WorkList will print only items assigned to the person logged onto LenStar, if the field is not checked. 1. Click the button next to the module to print. 2. Click Print WorkList. A Print Preview screen will appear displaying all items on your WorkList. 3. At the top of the Print Preview screen, click “Print” to print or “Save” to save. 4. When finished, click “Close”. You will return to the WorkList screen. Only the WorkList items for the chosen module will be printed.

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6

CHAPTER 3: LOAN INFORMATION

The Loan Information section of LenStar contains basic loan information. The content in a Loan Information module varies for each action. The Loan Information screen information includes: borrower, property, financial, investor, insurer, and inspection information. To activate Loan Information, click the Loan Information tool from the tool bar. 6.1 Foreclosure Loan Information Three pages comprise the Foreclosure Loan Information screen. They are marked by tabs, reading: Loan Info (Page 1), Loan Info (Page 2), and Loan Info (Page 3). To view information on a particular page, click the tab of the page you would like to view:

On the Foreclosure Loan Information screen, you can edit only the Vendor File Number on page one, the Vendor Loan Processor on page two, and the Title Order # on page three. If you are a FHLMC D. C. and the servicer is not a LenStar user (is off-line), you can edit all the information. Loan Information Page 1: The first page of the Foreclosure Loan Information screen contains the name(s) of the borrower(s) and the mailing address, the property address, the financial information, and your internal file number:

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1. 2. 3. 4. 5.

If you are not already there, click the “Loan Info Page 1” button. To add the Vendor File Number, click “Edit”. Enter your information in the Vendor File Number field. Click “Save”. An Information message will appear prompting you to save the changes. To save the changes, click “Yes”. Otherwise, click “No”.

If you neglect to Save or Cancel before clicking the Page Two or Page Three tab, an Information message will appear that reads, “You are currently editing data fields, cancel edit?” Answer “Yes” or “No”. If you choose “Yes”, you will move to the next page. If you choose “No”, you will remain on the current page. Printing Loan Information: You will find the printing option only on page one of the Foreclosure Loan Information screen. 1. Click “Print”. LenStar consolidates the loan information from pages one, two, and three, then displays the information as a Print Preview on your screen. 2. At the top of the Print Preview screen, click “Print” to print or “Save” to save.

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LenStar 3. When finished, click “Close”. You will return to page one of the Foreclosure Loan Information screen. If this is a new referral, print the loan information pages to begin a paper file in which you will store your other documents. Loan Information Page 2: Page two of the Foreclosure Loan Information screen consists of Investor Information and Mortgage Insurance Information.

1. To update the vendor name, choose “Loan Info Page 2”. 2. Click “Select/Edit”. The Select Processor list will appear, from which you will select a User Name. You can select a name only from a list of LenStar users in your office. To add a name to the list prior to choosing a Loan Processor, see Chapter 11: Using the Utilities Menu. 3. Click a name in the User List to highlight it, or enter a name in the Search field. If you double-click a name in the User List, LenStar will automatically input the name in the Vendor Processor field. 4. Click “Save”. The name that you have chosen drops into the Loan Processor field.

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Loan Information Page 3: Page three of the Foreclosure Loan Information screen includes Title Company Information. This is an optional field; you are not required to complete or populate this area. Title Company Information: 1. Choose “Loan Info Page 3”. 2. To add information, double-click in the Title Company Information area. The Add/Edit/View Name & Address dialog box will appear. You can either enter the company information in the appropriate fields, or select a company from the list LenStar provides. 3. To choose from LenStar’s list, click “Pick From List”. LenStar provides a list of company names, including: contact name, address, phone and fax numbers. 4. Highlight the company of your choice by selecting it with your pointer. Click “Select”. LenStar will populate the information into the appropriate fields. 5. Click “Save”. Title Order Number: In addition to adding the Title Company Information, you can also add the Title Order Number. 1. Click “Edit” to highlight the Title Order Number field and both the Save and the Cancel buttons. 2. Enter your Order Number in the Title Order Number field. 3. Click “Save”. An Information message will appear to confirm that you want to save the changes. 4. To save the changes, click “Yes”. Otherwise, click “No”. 6.2 Bankruptcy - Motion for Relief Loan Information Four pages comprise the Bankruptcy-Motion for Relief Loan Information screen, marked by tabs that read Loan Info (Page 1), Loan Info (Page 2), Legal Contacts, and Total Debt. To view information on a particular page, click the tab of the page to view.

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Loan Information Page 1: Page one of the Bankruptcy Loan Information screen consists of Borrower Information, Loan Information, Property Address, and Mailing Address. You have access to the Vendor File Number field.

1. To update the Vendor File Number, click “Loan Info Page 1”. 2. To enter the Vendor File Number, click “Edit”. 3. Enter your information in the Vendor File Number field. 4. Click “Save”. An Information message will appear that prompts you to save the changes. 5. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar saves your changes. If you neglect to Save or Cancel before clicking another tab, an Information message box will appear reading, “You are currently editing data fields, cancel edit?” Answer “Yes” or “No”. If you choose “Yes”, you will move to the next page; if you choose “No”, you will remain on the current page. Printing Loan Information: You will find the printing option only on page one of the Bankruptcy Loan Information screen. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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1. Click “Print”. LenStar consolidates the loan information from all the pages and displays the information as a Print Preview on your screen. Review your information. 2. At the top of the Print Preview screen, click “Print” to print or “Save” to save. 3. When finished, click “Close”. You will return to page one of the Bankruptcy Loan Information screen. If this is a new referral, print the loan information pages to begin a paper file in which you will store your other documents. Loan Information Page 2: Page two of the Bankruptcy Loan Information screen consists of the Investor Information, Mortgage Insurance Information, Note Information, and Loan Processor information for both your and the servicer’s offices. Fill in the Vendor Name in the Loan Processor field.

1. To update the information on page two, choose “Loan Info Page 2”. 2. Click “Select/Edit”. The Select Processor message will appear, from which you will select a User Name. 3. Select a name in the User List, or enter a name in the Search field. The name will be highlighted in the User List. You can select a name only from a list of LenStar users in your office. To add a name to the list prior to choosing a Loan Processor, see Chapter 11: Using the Utilities Menu. 4. When finished, click “Save”. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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After you click save, the chosen name drops into the Loan Processor field. If you double-click a name in the User List, LenStar automatically inputs the name to the Vendor Processor field. Legal Contacts: The Bankruptcy Legal Contacts page of the Bankruptcy Loan Information screen contains the Bankruptcy Court, Trustee, and Debtor Attorney information.

Bankruptcy Court: 1. To input Bankruptcy Court information, click “Legal Contacts”. 2. Double-click in the Bankruptcy Court area. A Select from Name Table list will appear. In the Name Table, LenStar provides a list displaying the State, Area/District, Street Address, and City for the Bankruptcy Courts in various areas. LenStar maintains and updates the Name Table on a regular basis. 3. From the list, highlight the bankruptcy court of your choice by selecting it with your pointer. 4. Click “Select”. LenStar displays the appropriate information, including phone, fax and auto numbers, in the Bankruptcy Court area. To remove information from the Bankruptcy Court area, double-click in the area and click “Remove”. You will return to an empty Bankruptcy Court area. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar Trustee: 1. To add or change Trustee information, double-click in the Trustee area. Another Select from Name Table list will appear. This list contains the State, Trustee Name, Area/District, and Address information. 2. From the list, highlight the court of your choice by selecting it with your pointer. 3. Click “Select”. LenStar displays the appropriate information, which includes the phone and fax numbers, in the Trustee area. To remove information from the Trustee area, double-click in the area and click “Remove”. You will return to an empty Trustee area. Debtor Attorney: 1. To alter the information in the Debtor Attorney area, double-click in the Debtor Attorney area. An Add/Edit/View Name & Address dialog box will appear.

2. Edit the information by choosing a field and entering the appropriate information. 3. When you are finished entering or changing your information, click “Save”. Judge Field: 1. To enter the name of the judge, click “Edit”. This highlights the Judge field. 2. Enter the name of your judge in the Judge field. 3. When you are finished, click “Save”.

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Total Debt: The Bankruptcy Total Debt page of the Bankruptcy Loan Information screen displays the Total Debt Figures and the Breakdown of Post Petition Arrearages that were entered at the time of Order Entry. Your office has access to all of the fields on this screen.

Total Debt Figures: 1. To update information on the Total Debt page, click “Total Debt”. 2. To alter the Total Debt Figures, click “Edit”. The various fields, excluding Total Debt, become highlighted. 3. Input the appropriate figures into the corresponding fields. 4. When you are finished, click “Save”. When you click “Save”, the figures in the various fields are no longer highlighted, and LenStar calculates and displays the Total Debt in the field of that name. Breakdown of Post Petition Arrearages: You have three options when looking at the Breakdown of Post Petition Arrearages: Add, Edit, and Delete.

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LenStar Adding Arrearage Detail: 1. To add an Arrearage Detail, click “Add”. LenStar’s Arrearage Detail-Add dialog box will appear.

2. Fill in the appropriate fields with your corresponding information. If you do not supply the quantity, amount, or description, a Warning message will appear, prompting you to fill in these fields. Click “OK”, and fill in the missing fields. 3. When you are finished, click “Save”. Your recent information will appear in the Breakdown of Post Petition Arrearages list. If you click “Save” without filling in the fields, a Warning message will appear: “Must specify the number of payments and the amount!” Click “OK” and then click “Cancel”, if you choose not to fill in the fields at this time. Editing Arrearage Detail: 1. Select the Arrearage to edit with your pointer. The Arrearage becomes highlighted. 2. Click “Edit”. The Arrearage Detail-Edit dialog box will appear.

3. Make your changes in the Arrearage Detail-Edit dialog box. 4. When you are finished, click “Save”. The new information will appear in the Breakdown of Post Petition Arrearages list. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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Deleting an Arrearage: 1. Select the Arrearage to edit with your pointer. The Arrearage becomes highlighted. 2. Click “Delete”. A Confirmation message will appear reading, “Are you sure you want to delete this item.” 3. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will remove the highlighted arrearage from the Breakdown of Post Petition Arrearages list. 6.3 Proof of Claim Loan Information There are five pages that comprise the Proof of Claim Loan Information screen. They are marked by tabs reading Loan Information, POC Setup, Total Debt, Arrearages, and Trustee/Debt Atty. In order to view the information on a particular page, click the tab of the page you would like to view.

Loan Information: The Loan Information page of the Proof of Claim Loan Information screen contains: Debtor, Property, and Creditor Information: details pertaining to the bankruptcy case; the Vendor and Servicer Processors; Vendor File Number; and Investor Loan Number. You have access to the Vendor File Number field.

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Vendor File Number: 1. To update the Vendor File Number, click “Loan Information”. 2. Click “Edit”. 3. Enter your information in the Vendor File Number field. 4. When you are finished, click “Save”. An Information message will appear, prompting you to save your changes. 5. To save the changes, click “Yes”. Otherwise, click “No”. If you neglect to Save or Cancel before clicking another tab, an Information message will appear, reading, “You are currently editing data fields, cancel edit?” You must answer “Yes” or “No”. If you choose “Yes”, you will move on to the next page; if you choose “No”, you will remain on the current page. Vendor Processor: 1. To update the Vendor Processor field, click “Select/Edit”. The Select Processor drop-down list will appear, from which you will choose a User Name. You can select a name only from a list of LenStar users in your office. To add a name to the list prior to choosing a Loan Processor, see Chapter 11: Using the Utilities Menu. 2. Select a name in the User List with your pointer, or enter a name in the Search field. If you double-click a name in the User List, LenStar will automatically add the name to the Vendor Processor field. 3. When you are finished, click “Save”. The chosen name drops into the Loan Processor field. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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Printing Loan Information: When you print from the Loan Information screen, LenStar consolidates the information from the Loan Information page as well as the Total Debt, Arrearages, and the Trustee/Debt Attorney pages. It then becomes a two-page document. 1. Click “Print”. LenStar consolidates the information displays the information as a Print Preview on your screen. 2. At the top of the Print Preview screen, click “Print” to print or “Save” to save. 3. When you are finished, click “Close”. You will return to the first page of the Proof of Claim Loan Information screen. If this is a new referral, print the loan information pages to begin a paper file in which you will store your other documents. POC Setup: The POC (Proof of Claim) Setup page, located on the Proof of Claim Loan Information screen, contains information necessary for filing the Proof of Claim, such as the Basis for Claim and Classification of Claim.

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1. To update the information on the POC Setup page, choose “POC Setup”. 2. Click “Edit”. Each field on the screen becomes highlighted. 3. Add or change the information as necessary. 4. When you are finished, click “Save”. An Information message will appear that reads, “Save Changes?” 5. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save your changes. Printing Proof of Claim: After entering the correct information into the appropriate fields of the Proof of Claim Setup page, you can print your Proof of Claim. 1. Click “Print”. A POC Print dialog box will appear, giving you the option to print only the Proof of Claim, only the Attachment, or Both.

2. Click the button next to your choice, and click “Print”. Depending upon your choice, the Proof of Claim, the Attachment, or Both documents (including a cover letter that LenStar originates) will be printed. You can preview your Proof of Claim and/or Attachment by clicking “Preview”. If you have chosen “Print Both” and then “Preview”, the cover letter will appear. Click “Close” (at the top of the screen). The Proof of Claim will be displayed. When you click “Close” again, the Attachment will appear. Click “Close” once more, and you will return to the POC Print options box. 3. When you are finished, click “Close”. This removes the POC Print dialog box. Total Debt: The Total Debt page of the Proof of Claim Loan Information screen contains the total debt figures entered at the time of Order Entry. You can add or edit the various amounts in the appropriate fields. LenStar will calculate. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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1. To update information on the Total Debt page, click “Total Debt”. 2. Click “Edit”. The fields next to the various figures become highlighted. 3. Enter the new figures or edit the amounts as necessary. 4. When finished, click “Save”. An information message will appear reading, “Save Changes?” 5. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save your changes. Arrearages: The Arrearage page of the Proof of Claim Loan Information screen contains the Arrearage Payment Detail, Total Late Charges, and Total Arrearages used for filing the Proof of Claim.

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To update information on the Arrearages page, click “Arrearages”. Adding an Arrearage Payment Detail: 1.To add an Arrearage Payment Detail, click “Add”. The frmPayAddEdit dialog box will appear.

2. Enter the number of payments and the payment amount in the appropriate fields, and click “Save”. LenStar adds the information to the Arrearage Payment Detail list. Editing an Arrearage Payment Detail: 1. With your pointer, from the list, select the Arrearage you would like to edit. The Arrearage will become highlighted. 2. Click “Edit”. The frmPayAddEdit dialog box will appear.

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3. Enter changes to the Number of Payments and the Payment Amount areas, and click “Save”. LenStar will add the edited information to the Arrearage Payment Detail list. Deleting an Arrearage Payment Detail: 1. Select the Arrearage you would like to delete from the list. The Arrearage will become highlighted. 2. Click “Delete”. A Confirmation message will appear reading, “Are you sure you want to delete this payment?” 3. To delete the item, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will delete the Arrearage. Total Late Charges: Adding a Late Charge: 1. To add a Late Charge, click “Add”. The frmPayAddEdit dialog box will appear.

2. Enter the number of late charges and the late charge amount in the appropriate fields, and click “Save”. LenStar will add the information to the Total Late Charges list. Editing a Late Charge: 1. From the list, select the Late Charge you would like to edit with your pointer. The Late Charge will become highlighted. 2. Click “Edit”. The frmPayAddEdit dialog box will appear. 3. Enter your changes to the Number of Late Charges and the Late Charge Amount areas, and click “Save”. LenStar adds the edited information to the Total Late Charges list. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar Deleting a Late Charge: 1. In the list, use your pointer to select the Late Charge you would like to delete. The Late Charge becomes highlighted. 2. Click “Delete”. A Confirmation message will appear reading, “Are you sure you want to delete this payment?” 3. To delete the information, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will delete the Late Payment. Total Arrearages: 1. To update the Arrearages, click “Edit”. 2. Add or edit the fields as necessary. 3. When you are finished, click “Save”. An Information message appears reading, “Save Changes?” 4. To save the changes, click “yes”. Otherwise, click “No”. If you choose “Yes”, LenStar saves your changes in the appropriate fields. Trustee/Debt Attorney: In addition to the financial information from the Note, the Trustee/Debt Attorney page consists of the address and telephone information for the Bankruptcy Court, Public Trustee and Debtor’s Attorney. To access the Trustee/Debt Attorney page, click “Trustee/Debt Atty”.

Bankruptcy Court: 1. To edit the Bankruptcy Court information, double-click in the Bankruptcy Court area. A Select from Name Table list will appear with a list of the available Bankruptcy Courts, including locations and telephone information. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar will update the information in the Select From Name Table, saving time and keeping information current. 2. Highlight the bankruptcy court of your choice by selecting it from the table, using your pointer. 3. Click “Select”. LenStar puts the information into the Bankruptcy Court area. To remove court information from the Bankruptcy Court area, double-click the Bankruptcy Court area and click “Remove”. You will return to the Trustee/Debt Attorney screen and information will be removed from the Bankruptcy Court area. Public Trustee: 1. To edit the Public Trustee information, double-click in the Public Trustee area. A Select from Name Table list will appear with a list of available Trustees, area/districts, and the locations.

LenStar will update the information in the Select from Name Table. 2. Highlight the trustee of your choice by selecting it from the Select from Name Table with your pointer. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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3. Click “Select”. LenStar will populate the Public Trustee area with the appropriate information. To remove trustee information from the Public Trustee area, double-click the Public Trustee area and click “Remove”. You will return to the Trustee/Debt Attorney screen; information will be removed from the Public Trustee area. Debtor’s Attorney: 1. To edit the Debtor’s Attorney information, double-click in the Debtor’s Attorney area. The Add/Edit/View Name & Address dialog box will appear.

2. Enter your information in the appropriate fields. 3. When you are finished, click “Save”. 6.4 Deed in Lieu Loan Information There are three pages that comprise the Deed in Lieu Loan Information screen, marked by tabs reading Loan Info (Page 1), Loan Info (Page 2), and Loan Info (Page 3). In order to view the information on a particular page, click the tab of the page.

On the Deed in Lieu Loan Information screen, you can edit only the Vendor File Number on page one and the Vendor Loan Processor on page two. On page three, you can enter the legal description for the property. Loan Information Page 1: The first page of the Deed in Lieu Loan Information screen contains the name(s) of the borrower(s) and the mailing address, the property address, the financial information from the Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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1. To update the loan information on page one, click “Loan Info Page 1”. 2. To enter the Vendor File Number, click “Edit”. 3. Enter your information in the Vendor File Number field. 4. When finished, click “Save”. An Information message will appear prompting you to save your changes. 5. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will populate the Vendor File Number field with your information. If you neglect to Save or Cancel before clicking the Page Two or Page Three tab, an information message will appear reading, “You are currently editing data fields, cancel edit?” Answer “Yes” or “No”. If you choose “Yes”, you will move to the next page. If you choose “No”, you will remain on the current page. Loan Information Page 2: Page two of the Deed in Lieu Loan Information screen consists of the loan information for the servicer as well as the vendor. The screen will display Investor Information, Mortgage Insurance Information, Loan Processor Information, and Additional Information (such as Last Inspection, Loan Type, and Occupancy). Enter the Vendor Name in the Loan Processor field.

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1. To update the loan information on page two, choose “Loan Info Page 2”. 2. Click “Select/Edit”. A Select Processor list will appear, from which you will choose a User Name. You can select a name only from a list of LenStar users for your office. To add a name to the list prior to choosing a Loan Processor, see Chapter 11: Using the Utilities Menu. 3. Select a name in the User List with your pointer to highlight it in the User List, or enter a name in the Search area. If you double-click a name in the User List, LenStar will automatically enter the name in the Vendor Processor field. 4. When finished, click “Save”. After you click “Save”, LenStar populates the Loan Processor field with the chosen name. Loan Information Page 3: Page three of the Deed in Lieu Loan Information screen contains the legal description for the property.

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1. 2. 3. 4.

To update the loan information on page three, choose “Loan Info Page 3”. To enter the legal description, click “Edit”. The Legal Description area is highlighted. Make changes to an existing description, or create a new one. When finished, click “Save”.

Printing Loan Information: You will find the printing option only on page three of the Deed in Lieu Loan Information screen. 1. To print, click “Print”. LenStar consolidates the loan information from pages one, two, and three, and displays it as a Print Preview on your screen. Review your information. 2. At the top of the Print Preview screen, click “Print” to print, or “Save” to save. 3. When you are finished, click “Close”. You will return to page one of the Deed in Lieu Information screen. If this is a new referral, print the loan information pages to begin a paper file in which you will store your other documents. 6.5 Eviction Loan Information Two pages comprise the Eviction Loan Information screen, marked by tabs reading Loan Info (Page 1) and Loan Info (Page 2). To view the information on a particular page, click the tab of the page to view.

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Eviction Loan Information Page 1: Page one of the Eviction Loan Information screen displays the Borrower Information, the Property Address, the Mailing Address and the Vendor File Number.

1. To update loan information on page one, click “Loan Info Page 1”. 2. To enter information into any field, click “Edit”. This highlights all fields on the screen. 3. Choose a field with your pointer and enter the appropriate information. 4. Once you have added or changed the information, click “Save”. An Information message will appear reading, “Save Changes?” 5. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will make the appropriate changes to the corresponding fields. Printing Loan Information: You will find the printing option on page three of the Eviction Loan Information screen. 1. To print, click “Print”. LenStar will consolidate the loan information from pages one and two, and display it as a Print Preview on your screen. 2. At the top of the Print Preview screen, click “Print” to print or “Save” to save. 3. When finished, click “Close”. You will return to page one of the Eviction Loan Information screen. If this is a new referral, print the loan information pages to begin a paper file in which you will store your other documents. Eviction Loan Information Page 2: The second page of the Eviction Loan Information screen contains the Investor, Additional, and Loan Processor Information for your office and the servicer’s office. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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Investor Information: 1. To update the loan information on page two, choose “Loan Info Page 2”. 2. To change the Investor company, address, and telephone information, double-click in the Investor Information area. The Add/Edit/View Name & Address dialog box will appear.

3. Add or edit the appropriate fields as necessary. 4. When you are finished, click “Save”. 5. In order to add or change the Loan Number and the Percent Owned, click “Edit”. The corresponding fields become highlighted. 6. Enter your information in the appropriate fields. 7. When you are finished, click “Save”. An Information message will appear that reads, “Save Changes?” 8. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar adds the information to the appropriate fields. Additional Information: 1. To update the Add Information area, choose “Loan Info Page 2”. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar 2. To add the Last Inspection Date, Occupancy and Loan Type fields, click “Edit”. The corresponding fields will become highlighted. 3. To update the Last Inspection Date, click the highlighted field and enter your date. Both the Occupancy and Loan Type fields have drop-down arrows with lists. 4. Click the drop-down arrow and choose the necessary information from the list. 5. When finished, click “Save”. An Information message will appear reading, “Save Changes?” 6. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will add the information to the appropriate fields. Loan Processor: 1. To update the Loan Processor, choose “Loan Info Page 2”. 2. To add or change the Vendor Loan Processor, click “Select/Edit”. A Select Processor dropdown list will appear.

You can select a name only from a list of LenStar users for your office. To add a name to the list prior to choosing a Loan Processor, see Chapter 11: Using the Utilities Menu. 3. Select a name with your pointer, and click “Save”. LenStar will populate the Vendor and Phone fields.

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7

CHAPTER 4: EVENT TRACKING

The Event Tracking module contains projected and completed dates for tracked event items. It also tracks the current investor compliance status, allowable fee information, and outcome of bankruptcy hearings. In Event Tracking, the current status of all critical matters is readily available and easy to read. For your convenience, delinquent scheduled events appear in red. The Investor Compliance for foreclosure indicates whether the vendor is meeting the investor-allowable time frames and, when applicable, shows the number of days a loan is on hold. The Event Tracking module also serves as an excellent training tool for incoming personnel, since the module helps distinguish which events are personnel’s responsibility and which are the servicer’s responsibility. Each Event Tracking screen displays the Tracking Elements, Projected Dates, and Completed Dates. The servicer sets up the Tracking Element field, which tracks the steps in the loan process. The elements chosen for each loan will differ for each state, company and client. The servicer will set up the target table to determine the completion dates for items in the Projected Dates column. The vendor will populate the Completed Dates column by entering each item’s completion date. To activate Event Tracking, click “Event Tracking” (pencil and paper icon) from the tool bar. 7.1 Overview of Tracking Elements The servicer will set up the tracking elements on the Event Tracking screen. The tracking elements vary by action (foreclosure, bankruptcy, etc.), state, process (judicial or nonjudicial), loan type, and servicer requirements. The servicer will set up time frames to create the Projected dates. In this way, Event Tracking screens are used to track the progress of a loan.

Past Due Item: All loan action types (excluding Deed in Lieu) display the Original and Re-Projection History columns. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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On or before the Projected date, your firm is required to complete each work element on the Event Tracking screen. If an item becomes past due, the Projected date field will appear in red on the WorkList. For more information, see Chapter 2: WorkList. Projected dates can be changed, but a reason must be entered into the field each time a date is changed or removed. For documentation purposes, the reason for the change is automatically sent to the File History. When a tracking element is completed, enter a date into the Completion field. Upon scheduling an actual sale date, your office must enter that date into the Scheduled Sale Date field below the Tracking Elements field. If your program has been set up with a tracking element for the Scheduled Sale Date, update the Projected date. Changing the Tracking Elements Screen Size: Follow this process to change the size of the Tracking Elements screen for each action type. 1. Double-click in the Tracking Elements area. The area will expand to display the Original and Re-projection History columns for each element. Re-projection History presents the number of times a date has been re-projected, and the tally for the total number of days from the Original Projected date to the current Projected date. As applicable for each element and action, the current Projected and Completed dates will appear. 2. Double-click in the Tracking Elements area. The screen returns to its original size. Updating a Projected Date: 1. To update the projected date, double-click the date from the Projected field. LenStar’s Date Selection Box will appear. 2. Either enter the projected date in the Set Date To field, or use LenStar’s Date Selection Box to choose a new projected date. For more information, see Chapter 11: LenStar’s Date Selection Box. 3. Click “Save”. The Quick File History dialog box will appear. LenStar will automatically fill in the Topic field; however, you are required to enter a reason for your change.

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4. Enter the reason for the date change in the Reason area of the Quick File History dialog box. 5. Check or uncheck the Information Only box as necessary. When you check the box, the information goes directly to the servicer’s File History, so the servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the Information Only box. The message will then go to the servicer’s File History and WorkList, where the servicer will be required to read the information. 6. When finished, click “Save”. An Information message will appear reading, “Re-project subsequent Servicer tracking elements?” 7. Click “Yes” to re-project all subsequent tracking elements by the same number of days as the changed element. Click “No” if you do not want subsequent projected dates to change. Both the Projected and the Reprojection History fields are updated. A tracking element with a Completed date cannot be re-projected. Entering a Completed Date: Enter a completion date only when a work element has actually been completed. LenStar will not allow you to enter a completion date occurring in the future. 1. To mark a work element complete, double-click in the Completed field. LenStar’s Date Selection Box will appear. 2. You can enter the completed date in the Set Date To field, or you can use LenStar’s Date Selection Box to choose a date. For more information, see Chapter 11: LenStar’s Date Selection Box. 3. When you are finished, click “Save”. LenStar will populate the Completed field with the new date.

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Closing a Loan: When a foreclosure loan has gone to sale, been reinstated, paid-off, or canceled, or a bankruptcy, eviction, or closing case has ended, your office and the servicer’s office must enter a close date on the Event Tracking screen. If you need to close a loan of another action, you can follow these same instructions. If the servicer is not on-line with LenStar, your office must enter both of the Vendor Close Date and the Servicer Close Date. 1. To update the Vendor Close Date field, click “Edit”. This highlights various fields including the Vendor Close Date field. 2. Double-click the appropriate Close Date field. LenStar’s Date Selection Box will appear. When there is a current hold on the loan, a Warning message will appear showing the hold reasons. The message reads, “Please remove all holds after closing file.” To remove the message, click “OK”. Double-click the date field again. 3. Enter the close date in the Set Date To field, or use LenStar’s Date Selection Box to choose a close date. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar populates the Close Date field with the new completion date. 5. When finished, click “Save”. An Information message will appear reading, “Save Changes?” 6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, a Close Reason menu will appear.

7. Select the reason with your pointer; click “Save”. The Quick File History dialog box will appear. LenStar will automatically fill in the Topic field. You are required to enter a reason for your change. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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8. Enter the reason for the close date in the Reason area of the Quick File History dialog box. 9. Check or uncheck the Information Only box as necessary. When you check the Information Only box, the information will go directly to the servicer’s File History. The servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the Information Only box. The message will go to the servicer’s File History and WorkList, where the servicer is required to read the information. 10.When finished, click “Save”. LenStar populates the Close Date and Close Reason fields. The Close Date field will display in red. The loan number for the loan just closed will also display in red on the Search screen. Removing a Close Date: Occasionally, a loan is closed in error, or circumstances require that a loan be re-opened. LenStar enables the removal of close dates. 1. To remove the closing date, click “Edit”. This will highlight various fields, including the Vendor Close Date field. 2. Double-click the appropriate Close Date field. LenStar’s Date Selection Box will appear. When there is a current hold on the loan, a Warning message will appear stating the hold reasons. It reads, “Please remove all holds after closing file.” Click “OK” to remove the message, and double-click the date field again. 3. Click “Remove”. LenStar removes the date from the Close Date field. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. An Information message will appear reading, “Save Changes?” 5. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, the Quick File History dialog box will appear. LenStar automatically fills in the Topic field. You are required to enter a reason for your change. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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6. Enter the reason for the removal of the close date in the Reason area of the Quick File History dialog box. 7. Check or uncheck the Information Only box as necessary. When you check the box, the information goes directly to the servicer’s File History. The servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the Information Only box. The message will go to the servicer’s File History and WorkList, where the servicer is required to read the information. 8. When finished, click “Save”. LenStar will remove the date from the Close Date field and send a message to File History. 7.2 Foreclosure Tracking Screen The Foreclosure Tracking screen displays information pertaining to the foreclosure loan you are viewing. From the Search screen, the foreclosure loan is labeled with the letter “F” in the far left column. Information on other loans cannot be obtained from this screen. To view a new loan, click the Search icon. You can now open an alternate loan. The previous loan will remain highlighted when you return to the Search By screen. For more information, see Chapter 1: Searching for a Loan.

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Foreclosure Servicer: The Foreclosure Servicer area contains information on the loan servicer, including the company name, address, telephone and fax numbers. The loan servicer will update this area as necessary. Sale Held: When you enter a completion date for the Foreclosure Sale Held work element, you must enter the sale information details in the Sale Information dialog box. 1. To mark the Foreclosure Sale Held tracking element as complete, double-click the Completed field for the Foreclosure Sale Held work element. LenStar’s Date Selection Box will appear. 2. Enter the completion date in the Set Date To field, or use LenStar’s Date Box to choose the completion date. For more information, see Chapter 11: LenStar’s Date Selection Box. 3. Click “Save”. The Sale Information dialog box will appear.

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4. Select Back to Beneficiary or to Third Party Sale. 5. Enter the sale amount in the Sale Amount field. 6. Enter any further sale information in the Details area. 7. When finished, click “Save”. LenStar will enter the completion date in the Completed field and send a message to File History. Scheduled Sale Date: The Scheduled Sale Date is an appointment the vendor makes. When you schedule the appointment, you must enter the date into this field. 1. To update the Scheduled Sale Date, click “Edit”. This highlights the Scheduled Sale Date, Scheduled Sale Time, and Vendor Close Date fields. When you click “Edit”, the Additional Fees Approved, Litigated Matter-Requires Evidentiary Hearing, and On Hold For Bankruptcy boxes become highlighted. Only the servicer can check or uncheck these boxes. 2. Double-click the Scheduled Sale Date field. LenStar’s Date Selection Box will appear. 3. Either enter the close date in the Set Date To field, or use LenStar’s Calendar to choose a close date. You can also remove a date using LenStar’s Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar will populate the Scheduled Sale Date field with the appropriate date. 5. Click “Save”. An Information message will appear reading, “Save Changes?” Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar 6. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, a Quick File History dialog box will appear. LenStar will automatically fill in the Topic field. You are required to enter a reason for your change.

7. Enter the reason for the scheduled sales date in the Reason area of the Quick File History dialog box. 8. Check or uncheck the Information Only box as necessary. When you check the box, the information goes directly to the servicer’s File History. The servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the Information Only box. The message will go to the servicer’s File History and WorkList, where the servicer is required to read the information. 9. When finished, click “Save”. A Confirm message will appear reading, “Update projected sale date?” 10.To update the sale date, click “Yes”. Otherwise, click “No”. LenStar will make the appropriate changes, populate the appropriate fields, and send a message to File History. Scheduled Sale Time: Similar to the Scheduled Sale Date, the Scheduled Sale Time refers to an actual appointment the vendor makes. When you schedule the appointment, you must enter the time into this field. 1. To update the Scheduled Sale Time, click “Edit”. This highlights the Scheduled Sale Date, Scheduled Sale Time, and Vendor Close Date fields. 2. Select the Scheduled Sale Time field with your pointer. 3. Enter the appointment time in the Scheduled Sale Time field. 4. When finished, click “Save”. An Information message will appear reading, “Save Changes?”

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LenStar 5. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save the sale time in the Scheduled Sale Time field. For instructions to add or edit a date in the Vendor Closing Date field, refer to the Overview of Tracking Elements at the beginning of this chapter. Investor Compliance: Investor Compliance is a helpful, reliable feature that can be used as a tool to monitor progress on a loan. The Investor Compliance area includes the Open Date, which is opened in LenStar. Occasionally, this date differs from the date the servicer opened the loan, the date you received the loan, the projected date, and/or the tracking date. A display of the number of days from open to sale appears in the Investor Compliance area. LenStar compares the number of days with the Allowable Days field to show whether the loan is progressing on schedule. The investor determines the number of Allowable Days, which is the number of days the loan type allows for the completion of any loan. If there is no date entered in the Scheduled Sale Date or Completed Date field for the Foreclosure Sale Held work element, LenStar will use the Projected Sale Date to determine the number of days from open to sale. If a loan is or has been on hold, the number in the Days on Hold field is subtracted from the total days open, providing an accurate Open-to-Sale Days calculation. If a loan is on hold at the time you are viewing it, the Days on Hold field will be highlighted in red. The Variance field shows how many days ahead (in positive numbers) or how many days Behind (in negative numbers) the process is, in comparison to Allowable Days. If the loan is progressing on time, the Status field will be highlighted in green; if it is past due, the field will be highlighted in red and display the word “Late”. Attorney Fees: Allowable Fee refers to the loan fee. The allowable fee is based on the loan state and action type. If your office has requested additional attorney fees and the servicer has approved them, the servicer will note this information in the Allowable Fee and Additional Fees Approved fields. To change either of these two fields, address it with the servicer through File History. For more information, see Chapter 5: File History. If the servicer is not online and the foreclosure is contested, check the Litigated MatterRequires Evidentiary Hearing box. Otherwise, the servicer has access to that field. Bankruptcy Information: Bankruptcy information is accessible by only the servicer, but you can view the information from your screen. If your office has any bankruptcy information, forward it to the servicer via File History. If a bankruptcy is filed while a foreclosure is in process, the Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar foreclosure must be placed on hold through the Hold System. For tracking purposes, the information is entered here by the servicer. For more information, see Chapter 9: Hold System. 7.3 Bankruptcy Relief Tracking Screen From the Search screen, bankruptcy relief loans are identified with a letter “B” in the far left column of the screen. The bankruptcy relief case type enables reporting on tracking elements related to a motion for relief, from the automatic stay filed in connection with an underlying bankruptcy case. For more information, see Chapter 1: Searching for a Loan.

Tracking Elements: Tracking elements for bankruptcy relief Chapters 7, 11, 12, and 13 are very similar.

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Table 1: Definition of Bankruptcy Tracking Elements

Tracking Element File Received by Attorney

Definition Enter the date your office received the file or became aware, by any means, of the borrower’s bankruptcy case. Enter the earliest date on which there existed grounds to file a motion for relief from the automatic stay. In a Chapter 7 case, this should be the same as the File Received date, which is when your office received the file. Enter the date your office actually filed the motion for relief from the automatic stay. Enter the date the court granted you relief from the automatic stay. You may enter the Actual date the court granted the motion instead of the date the court “entered” the order granting the motion for relief from the automatic stay.

Motion Requested Date

Motion filed Stay Relief Granted

Table 2: Bankruptcy Allowable Days Tracking Element File Received by Attorney Motion Requested Date Motion Field Stay Relief Granted

Allowable Days 0 0 5 35

LenStar automatically calculates the Projected dates for the Bankruptcy Tracking Elements area. The calculation is based on the number of allowable days commencing with the File Received by Attorney date. To add or remove a projected or completed date for a bankruptcy tracking element, refer to the Overview of Tracking Elements heading of this chapter. Bankruptcy Servicer: The Bankruptcy Servicer area contains information about the servicer of the loan, which includes the company name, address, telephone and fax numbers. The loan servicer will update this area as necessary.

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Final Hearing Results: LenStar enables you to choose the appropriate Final Hearing Result for your loan. 1. To update the Final Hearing Results, click “Edit”. Both the Final Hearing Results and the Vendor Close Date fields become highlighted. 2. Click the Final Hearing Results drop-down arrow. 3. Select the appropriate hearing result for your loan with your pointer. 4. Click “Save”. An Information message will appear that reads, “Save Changes?” 5. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, a Quick File History dialog box will appear. LenStar automatically fills in the Topic field. You are required to enter an explanation of the reason for your change.

6. Enter the reason for the hearing result in the Reason area of the Quick File History dialog box. 7. Check or uncheck the Information Only box as necessary. When you check the box, the information goes directly to the servicer’s File History. The servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the Information Only box. The message will go to the servicer’s File History and WorkList, where the servicer is required to read the information. 8. When finished, click “Save”. LenStar will populate the Final Hearing Results area with the appropriate result and send a message to File History. For instructions to add or edit a date in the Vendor Close Date field, refer to the Overview of Tracking Elements heading at the beginning of this chapter.

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Temporary Hold: Prior to the completion of a bankruptcy relief loan, you may negotiate a consent order, an adequate protection order, or other stipulations to provide for the resumption of payments. Since the court has not yet granted a stay relief, it is not appropriate to close the bankruptcy relief loan. In this case, open a Bankruptcy Hold. By opening a Bankruptcy Hold for the bankruptcy relief loan, you stop the bankruptcy relief timeline from continuing to count the elapsed days in the case. To add a hold to a loan, see Chapter 9: Hold System. When you add a hold to the loan, start the hold with the date of the adequate protection order or payment stipulation. For the Hold Reason, select Stipulation /APO. Do not end the Hold until the debt defaults in payment and it is necessary to resume activity in the bankruptcy relief case. Once you have placed a hold with Stipulation/APO as the reason, and opened a BankruptcyPOC loan, update the Bankruptcy-POC case information. This will begin tracking monthly pre-confirmation payments to be made under the stipulation or adequate protection order. Early Closure: Occasionally, you may need to close a bankruptcy relief case before actually obtaining a stay relief. If so, follow the instruction under the Closing a Loan heading at the beginning of this chapter. The close reasons for a bankruptcy relief case include Stay Relief, Abandonment, Discharge, Opened in Error, Loan Current, Case Converted, and Dismissed: Voluntary by Debtor. Multiple Cases: Whether or not the same party filed a new bankruptcy, open a new bankruptcy relief case for each new bankruptcy filed on the same loan. Since they will have been filed on different dates, your filing of a new bankruptcy will keep the Event Tracking for each bankruptcy relief case separate. 7.4 Proof of Claim Tracking Screen From the Search screen, identify a bankruptcy-proof of claim (POC) loan by the letter “P” appear in the far left column of the screen. A bankruptcy-proof of claim case is a separate case entry from a bankruptcy relief case. For more information, see Chapter 1: Searching for a Loan. The proof of claim case type enables reporting on tracking elements related to the underlying bankruptcy case. For example, in a Chapter 7 bankruptcy liquidation case, elements include petition date, date the proof of claim was filed, debtor’s discharge date, and date the Chapter Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar 7 Trustee filed its report. In a Chapter 11, 12, or 13 bankruptcy re-organization case, elements include the petition date, date the debtor filed its plan, date the proof of claim was filed, confirmation hearing date, and date the court confirmed the plan. The LenStar Proof of Claim module enables you to generate a facsimile of the official Proof of Claim form, ready for filing with the court, based on loan information entered during the Order Entry process. Difference Between Bankruptcy Cases: There are two types of bankruptcy cases in LenStar: Proof of Claim and Motion for Relief. LenStar distinguishes between the two sets of tracking elements each of these cases has. With a Proof of Claim, you can track elements related to the underlying bankruptcy case. In a Relief case, you can track elements related to the motion for relief from the automatic stay, filed within the underlying bankruptcy case. The two types of bankruptcies have different projected time frames and must be tracked separately. One time frame difference is that in a Chapter 7 liquidation case, the Proof of Claim tracking elements cover 75 days, while a Relief case covers only 35 days from the File Received date to the Stay Relief Granted date. Case tracking elements for the Proof of Claim cases in Chapters 11, 12, and 13 are different from the Relief time frames for the same chapters. The Proof of Claim time frame for Chapters 11, 12, and 13 re-organization cases takes 120 days; the Relief time frame for the same chapters takes only 35 days. Some investors require firms to open a Proof of Claim case for every re-organization case, whether it is a Chapter 11, 12, or 13. When grounds exist to file for a motion for relief from the automatic stay, these investors expect counsel to open a Bankruptcy Relief case. The screens for each of the bankruptcy cases display different information as well. The Proof of Claim screen enables the vendor to track the elements that relate to the underlying bankruptcy case, such as the date the debtor filed its plan, or the date the court confirms the plan. The Relief screen enables the vendor to track the elements related to obtaining relief from the stay. Proof of Claim Tracking Elements: When you choose a Proof of Claim case from the Search screen, LenStar will display the tracking elements in the top left of the screen. The Title bar at the top of the screen will indicate which bankruptcy chapter the Proof of Claim is. For example, the Title bar may read, “LenStar (P-13) - Current Loan: POC/John Doe/88888888 - Event Tracking.” (P-13) indicates the Proof of Claim is a Chapter 13 and will display Chapter 13 tracking elements.

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Table 3: Chapter 7 POC Tracking Elements Tracking Element File Received by Attorney Completed Proof of Claim Filed Discharge Chapter 7 Trustee Report Filed Case Closed

Allowable Days 0 20 60 60 75

Table 4: Chapter 11, 12 and 13 POC Tracking Elements Tracking Element File Received by Attorney Plan Filed Date Completed Proof of Claim Filed Confirmation Hearing Plan Confirmation Date

Allowable Days 0 15 20 30 90

If you would like to add or remove a completed date, or to re-project a date for a proof of claim tracking element, follow the instructions under the Overview of Tracking Elements heading of this chapter. Proof of Claim Servicer: The Proof of Claim Servicer area contains information about the servicer of the loan, which includes the company name, address, and telephone and fax numbers. The servicer for the loan updates this area as necessary. Proof of Claim Dates: Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar enables tracking the proof of claim bar date and case close dates in the Proof Of Claim Date area. 1. To update the Proof of Claim Date, click “Edit”. The Bar Date, Vendor Close Date and other various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas will be highlighted. 2. Double-click in the Bar Date field. LenStar’s Date Selection Box will appear. 3. In the Set Date To field, you can enter the last date the court will accept a proof of claim for filing, or you can use LenStar’s Date Selection Box to choose a date. You can also remove a date using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar will populate the Bar Date field with the appropriate date. 5. Click “Save Changes”. An Information message will appear that reads, “Save Changes?” 6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar saves the date in the Bar Date field. For instructions to add or edit a date in the Vendor Close Date field, look under the Overview of Tracking Elements heading at the beginning of this chapter. Payment Tracking: The LenStar Payment Tracking area permits you to track the commencement of payments from the borrower. The payments may be in the form of pre-confirmation plan payments, payments made under an adequate protection order, or other payment stipulations that are entered into the pre-confirmation.

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Payment Start Date: 1. To update the Payment Start Date, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas, as well as the Bar Date and Vendor Close Date fields, become highlighted. 2. Double-click in the Payment Start Date field. LenStar’s Date Selection Box will appear. 3. You can enter the start date for payments from the borrower to the servicer in the Set date to field, or use LenStar’s Date Selection Box to choose a date. You can also remove a date using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar will populate the Payment Start Date field with the appropriate date. 5. When finished, click “Save Changes”. An Information message will appear reading, “Save Changes?” 6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save the date in the Payment Start Date field. Payment End Date: 1. To update the Payment End Date, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields) become highlighted. 2. Double-click in the Payment End Date field. LenStar’s Date Selection Box will appear. 3. Enter the pre-confirmation payments end date in the Set Date To field, or use LenStar’s Date Selection Box to choose a date. You can also remove a date using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar will populate the Payment End Date field with the appropriate date. 5. When you are finished, click “Save Changes”. An Information message will appear reading, “Save Changes?” 6. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save the date in the Payment End Date field.

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Reminder Interval: You can set LenStar to send automatic reminders to check the borrower’s payments to the servicer. 1. To update the Reminder Interval, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields) become highlighted. 2. Enter the appropriate number of days in the Reminder Interval field. 3. When you are finished, click “Save”. An Information message will appear reading, “Save Changes?” 4. To save changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save the date in the Reminder Interval field. Last Follow-Up: 1. To update the Last Follow-Up date, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields) become highlighted. 2. Double-click in the Last Follow-Up field. LenStar’s Date Selection Box will appear. 3. You can enter the date of your last contact with the servicer in the Set date to field, or use LenStar’s Date Selection Box to choose a date. You can also remove a date using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar populates the Payment End Date field with the appropriate date. 5. When you are finished, click “Save”. An Information message will appear that reads, “Save Changes?” 6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar saves the date in the Payment End Date field. Contact: 1. To update the Contact field, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields), become highlighted. 2. Enter the name of the person whom you contacted in the Last Follow-Up field located in the Contact area. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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3. When you are finished, click “Save Changes”. An Information message will appear that reads, “Save Changes?” 4. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar saves the date in the Reminder Interval field. You can continue to use the Payment Tracking and Follow-Up features of LenStar for postconfirmation by leaving the Proof of Claim case open. Pre-Confirmation Payment Type: If the debtor commences payments under a pre-confirmation adequate protection order or stipulation, then use the Payment Tracking fields, described above, to indicate when these payments commence and to track your follow-up with the servicer. Make sure that the box next to Stipulation/APO in the Pre-Confirmation Payment Type area is unchecked, which indicates that the borrower is making payments under a stipulation or adequate protection order. 1. To update the Payment Type, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields) become highlighted. 2. As necessary, check or un-check the Stipulation/APO box. 3. When you are finished, click “Save”. An Information message will appear that reads, “Save Changes?” 4. To save the changes, click “Yes”. Otherwise, click “No”. Depending upon your choice, the Stipulation/APO field displays a check, or the box remains empty. Plan Type: Use the fields in the Plan Type area to enter information about the debtor’s plan and, if applicable, whether or not any pre-confirmation payments are made under a stipulation for adequate protection. You must select the appropriate plan type fields to flag whether the debtor’s plan is a Cram Down plan or whether the plan involves a Balloon Mortgage payment. If the debtor commences post-petition, per-confirmation plan payments, use the Payment Tacking fields, as directed above, to indicate when these payments commence and to track your follow-up with the servicer. Check the appropriate box under the Plan Type area such as Payments Inside Plan or Payments Outside Plan, which indicates how and to whom the debtor will make these payments. You can also use the fields in the Plan Type area to provide information about the debtor’s plan after confirmation. Again, be sure to select the appropriate plan type fields to flag whether the debtor’s plan is a Cram Down plan or whether the plan involves a Balloon Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar Mortgage or a balloon payment. These plans have special servicing requirements that need to be identified. 1. To update the Plan Type, click “Edit”. Various fields located in the Payment Tracking, PreConfirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields), become highlighted. 2. Check the box next to the appropriate payment plan for your loan. A Quick File History dialog box will appear. LenStar automatically fills in the Topic field. Even so, you are required to enter an explanation of the reason for your change. When you select a Plan Type, LenStar requires that you provide some detail about the plan terms. Please be as specific and succinct as possible because the servicer relies on your details to determine how to best service the payments concerning this loan.

3. Enter the information in the Reason area of the Quick File History dialog box. 4. Check or uncheck the Information Only box as necessary. When you check the Information Only box, the information goes directly to the servicer’s File History; therefore, the servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, you can uncheck the Information Only box, which turns it off. Therefore, the message will go not only to the servicer’s File History but also to the servicer’s WorkList where the servicer is required to read the information. 5. Click “Save Changes”. LenStar adds a check to the appropriate payment plan’s box and sends a message to File History. 6. When you are finished, click “Save Changes”. An Information message will appear that reads, “Save Changes?” 7. To save the changes, click “Yes”. Otherwise, click “No”. LenStar saves the check in the appropriate box.

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Post Petition Due: 1. To update the Post Petition Due field, click “Edit”. Various fields located in the Payment Tracking, Pre-Confirmation Payment Type, and Plan Type areas (as well as the Bar Date and Vendor Close Date fields) become highlighted. 2. Double-click in the Post Petition Due field. LenStar’s Date Selection Box will appear. 3. You can either enter the post petition due date in the Set date to field, or you can use LenStar’s Date Selection Box to choose a date. You can also remove a date by using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar populates the Post Petition Due field with the appropriate date. 5. When you are finished, click “Save Changes”. An Information message will appear that reads, “Save Changes?” 6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar saves the date in the Post Petition Due field. 7.5 Deed in Lieu Tracking Screen From the Search screen, you can identify a deed in lieu loan by the letter “D” that will appear in the far left column of the screen. For more information, see Chapter 1: Searching for a Loan. When you come to the Deed in Lieu Event Tracking screen, you will see two Tracking Elements areas. You have the ability to make changes to the information that is displayed in the Vendor Deed in Lieu Tracking Elements area.

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To add or remove a completed date, or to re-project a date for a Deed in Lieu Tracking Element, follow the instructions under the Overview of Tracking Elements heading of this chapter. Deed in Lieu Servicer: The Deed in Lieu Servicer area contains information about the servicer of the loan, including the company name, address, telephone and fax numbers. The loan servicer updates this area as necessary. Scheduled Recording Date: 1. To update the Scheduled Recording Date, click “Edit”. The Scheduled Recording Date and Vendor Close Date fields will become highlighted. 2. Double-click the Scheduled Recording Date field. LenStar’s Date Selection Box will appear. 3. Enter the close date in the Set Date To field, or use LenStar’s Date Selection Box to choose a close date. You can also remove a date using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. Click “Save”. LenStar will populate the Scheduled Recording Date field with the appropriate date. 5. Click “Save Changes”. An Information message will appear reading, “Save Changes?”

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LenStar 6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, the Quick File History dialog box will appear. LenStar automatically fills in the Topic field. Even so, you are required to enter an explanation of the reason for your change.

7. Enter the reason for the scheduled recording date in the Reason area of the Quick File History dialog box. 8. Check or uncheck the Information Only box as necessary. When you check the Information Only box, the information goes directly to the servicer’s File History. The servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, you can uncheck the Information Only box. The message will go to the servicer’s File History and WorkList, where the servicer is required to read the information. 9. When you are finished, click “Save”. LenStar will populate the Scheduled Recording Date and send a message to File History. For instructions to add or edit a date in the Vendor Close Date field, look under the Overview of Tracking Elements heading at the beginning of this chapter. 7.6 Eviction Tracking Screen From the Search screen, identify an eviction loan by the letter “E” in the far left column of the screen. For more information, see Chapter 1: Searching for a Loan. The LenStar database contains eviction case tracking elements specific to each state; eviction timelines vary from state to state. Timelines also vary depending upon borrower-eviction versus tenant eviction. Determination of which tracking elements appear when a case is selected from the case list is based on how the case is entered at Order Entry (i.e. as a borrower or a tenant eviction). Borrower and tenant eviction timelines are the same in some states.

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Multiple Cases: If you have multiple evictions for the same property, you can open several eviction cases for a single loan. Open one eviction case for each eviction matter. Eviction Servicer: The Eviction Servicer area contains information about the servicer of the loan, including the company name, address, telephone and fax numbers. The servicer for the loan will update this area as necessary. Scheduled Eviction Date: You can add or edit a Scheduled Eviction Date. 1. To update the Scheduled Eviction Date, click “Edit”. The Scheduled Eviction Date, Servicer Close Date, and Vendor Close Date fields will become highlighted. 2. Double-click in the Scheduled Eviction Date field. LenStar’s Date Selection Box will appear. 3. You can enter the close date in the Set Date To field, or use LenStar’s Date Selection Box to choose a close date. 4. Click “Save”. LenStar will populate the Scheduled Eviction Date field with the appropriate date. You can also remove a date using the LenStar Date Selection Box. For more information, see Chapter 11: LenStar’s Date Selection Box. 5. Click “Save”. An Information message will appear reading, “Save Changes?” Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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6. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, a Quick File History dialog box will appear. LenStar automatically fills in the Topic field. You are required to enter an explanation of the reason for your change.

7. Enter the reason for the eviction date in the Reason area of the Quick File History dialog box. 8. Check or uncheck the Information Only box as necessary. When you check the Information Only box, the information goes directly to the servicer’s File History; therefore, the servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the Information Only box. The message will go to the servicer’s File History and WorkList, where the servicer is required to read the information. 9. When finished, click “Save”. LenStar will populate the appropriate field and sends a message to File History. For instructions to add or edit a date in the Vendor Closing Date field, look under the Overview of Tracking Elements heading at the beginning of this chapter. If the servicer is online with LenStar, only the servicer can edit the Servicer Close Date field. Evictee’s Name: For your convenience, LenStar provides an optional area to enter the evictee’s name. 1. To update the Evictee’s Name, click “Edit”. The Evictee’s Name field will become highlighted. 2. Enter the appropriate name into the Evictee’s Name field. 3. When finished, click “Save”. An Information message will appear reading, “Save Changes?” 4. To save the changes, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will save the entered name in the Evictee’s Name field. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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To close the case, follow the instructions at the beginning of this chapter under the Overview of Tracking Elements heading.

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8

CHAPTER 5: FILE HISTORY

File History is the backbone of the LenStar System. This module is used for all correspondence that takes place between the loan servicer and the vendor. Information transmitted previously via phone or fax is sent through the File History module, where it becomes a permanent part of the loan’s documentation. As a result, file histories cannot be edited or deleted. When each history is entered and read, the system dates and time stamps the action. The other modules in LenStar automatically write to File History whenever information is added or changed in the system. File histories upload to your host system automatically with the LenStar Host-Post module. All conversations through File History can be uploaded to your loan servicing system automatically with the LenStar Host-Post module, eliminating duplicate data entry. To activate File History, choose the “Activate” icon from the tool bar.

Two tabs (To Servicer and From Servicer) comprise the File History screen. The selected tab will determine the type of information viewed. These tabs include the Topic and Message areas. The Topic area is the first sub-section. It tells you the topic of the message, including: whom it is from, the date it was sent, the date it was read, and the name of the person who read the message. Below the Topic area is the Message area. Here you will find any additional information or messages pertaining to the loan. The File History screen contains the same options for the different action types. Make sure the history item to add or edit corresponds with the loan that began your search. If not, return to the Search screen and choose the appropriate loan before following these instructions. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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8.1 Viewing a File History Message If a message is too long to fit in the bottom of the To Servicer or From Servicer screens, click “View” to see the message in full screen mode. You can also view the message in full screen mode by double-clicking in the message area.

If the message runs off the sides of the screen, click “Word Wrap On”. The message will be displayed within the viewing area. When you are finished, click “Close” to return to the File History screen. Word Wrap is an on/off toggle to wrap long messages for viewing within the message area on the screen. If Word Wrap is toggled to Off, the message will run off the sides of the message area. Use the horizontal scroll bar at the bottom of the screen to see the entire File History message. 8.2 Sending a File History Message From the “To Servicer” screen, you can create messages to send to the servicer and view messages previously sent to the servicer. This field includes from whom the message was sent, the date it was sent, the date it was read, and by whom. LenStar will populate the File History Topic and Message areas, eliminating data entry into the computer by your staff. Still, sometimes, you may choose to add a message Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar manually. 1. To send a message to the servicer, select “To Servicer”. 2. To compose a message, click “Add”. The screen displays the Topic field and the Message area. 3. To get a list of standard topics, enter a topic or double-click in the Topic field. The Select Topic menu will appear.

The list of topics is maintained using Utilities>Manager’s Utilities>Add/Edit Topics. For more information, see Chapter 11: Using the Utilities Menu. 3. Scroll through the list and double-click the topic of your choice. LenStar will automatically populate both the Topic and Message areas.

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5. To add to LenStar’s automatic message, click in the Message area and compose your message, just as you would e-mail. If you leave the Information Only box empty, the message will appear on the Servicer’s WorkList and File History. If you check the box, the servicer is not required to read the message, and it will go directly to the servicer’s File History. 6. To send an attachment with your response, click “Attach File”. An Open File dialog box will appear. 7. Select the document of your choice from the appropriate directory. You will see the name of your attachment next to the Attach File button. 8. When you are finished, click “Save”. The message will be sent to the servicer, and you can view it in the Topic area. 8.3 Receiving a File History Message The Vendor Instruction is the first message you will receive from the servicer; it is sent with every loan. The Vendor Instruction is your flag to begin work on a particular loan. 8.4 Reading Messages from the Servicer 1. To read a message from the servicer, choose “From Servicer”.

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LenStar 2. Double-click the message that to read in the Topic area. The message will appear in the Message area.

Date Read fields highlighted in red indicate an item has not been viewed. Messages with red fields generate WorkList items indicating the status of the loan. 3. After you have read the message, click “Mark As Read”. A Confirmation message will appear reading, “Mark as Read?” Once a message is marked as read, you are liable for the information contained within the message. 4. To mark the item as read, click “Yes”. Otherwise, click “No”. If you choose “Yes”, the program will automatically default to the present day’s date and insert your login name in the Read By field. 8.5 Forwarding Messages from the Servicer The Forward feature enables an individual to delegate tasks to other employees who will read and reply to the information received from the servicer. You can forward messages only to other LenStar users. 1. To forward a message to an individual in your office, click “Forward”. A User Name list will appear.

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The list of users is maintained via Utilities>Manager’s Utilities>Add/Edit Users. For further information, see Chapter 11: Using the Utilities Menu. 2. Choose the name of the recipient and click “Select”. The information will appear on the individual’s WorkList. 8.6 Forwarding File History from the WorkList The Forward File History from WorkList feature enables customers to forward a file history message to another processor through LenstarWeb, directly from the WorkList without opening the loan. 1. Select the File History WorkList. 2. Check the box next to each message to be forwarded (or check “Select All”). 3. Select the processor to receive forwarded messages. 4. Click the “Forward” button. The WorkList will refresh. Forwarded file histories will appear on the “Forward To” processor’s WorkList. An additional file history, with the topic “File History Forwarded by Attorney/Servicer” will be added. 8.7 Printing File History Messages You can either print the highlighted file history for a particular loan, or print the entire file history for a particular loan (when there are multiple messages). The steps for printing are the same for both the To Servicer and the From Servicer screens. Printing a Message: 1. To print a single file history, choose the item from the Topic area of either the To Servicer Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar or From Servicer screen. 2. To print the File History, click “Print”. A Print Preview screen will appear, displaying your file history from the Topic area. 3. At the top of the Print Preview screen, click “Print” to print or “Save” to save. 4. When you are finished, click “Close”. You will return to the File History screen. Printing All Messages: 1. To print all of your file histories from either the To Servicer or the From Servicer screen, click “Print All”. A Print Preview screen will appear, displaying all of your file histories from the Topic area. 2. At the top of the Print Preview screen, click “Print” to print or “Save” to save. 3. When you are finished, click “Close”. You will return to the File History screen.

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9

CHAPTER 6: CALENDAR SYSTEM

LenStar’s Calendar System is an electronic calendar used for scheduling follow-up on future dates. The Calendar System keeps tasks and follow-ups current. It also eliminates the use of sticky notes and paper calendars, while allowing supervisors and co-workers to follow-up on items quickly and easily. The Calendar System is designed to track follow-up items that do not delay the processing of the loan. Once added, a calendar item will appear on your daily WorkList in due date order, with the oldest item at the top of the list. Unlike items in the File History, the servicer cannot see items that have been placed in a vendor’s Calendar System. Similarly, your office cannot see items that the servicer has entered into their Calendar System. To activate the Calendar System, click the “Calendar” icon from the tool bar.

The Calendar System screen contains the same options for each action type. Be sure the calendar item to add or edit corresponds with the loan that initiated your search. If it doesn’t match, return to the Search screen and choose the appropriate loan before following these instructions.

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9.1 Adding Calendar Tasks 1. To add a calendar item, click “Add”. An Add Calendar Item dialog box will appear.

2. Enter the task description in the Topic field manually, or double-click in the Topic field. If you double-click in the field, a Select Topic menu will appear, with a list of various topics:

The list of topics is maintained using Utilities>Manager’s Utilities>Add/Edit Topics. For more information, see Chapter 11: Using the Utilities Menu. 3. Select the appropriate topic and click “Select”, or double-click the appropriate topic with your pointer. Your topic and a corresponding message appear in the Topic and Message areas of the Add Calendar Item dialog box. You can enter a more detailed message, or add to the message that LenStar has already generated, in the Message area. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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4. To add/edit the message, double-click in the Message area and enter your changes. 5. To enter a date in the Calendar Date field, either enter a date manually or use the LenStar Date Selection Box by double-clicking in the Calendar Date field. For more information, see Chapter 11: Using LenStar’s Date Selection Box. 6. When you are finished, click “Save Changes”. An Information message will appear reading, “Copy Calendar Item to File History?” 7. To copy the item to File History, click “Yes”. Otherwise, click “No”. If you choose “Yes”, another Information message will appear, reading, “Send Information Only?” 8. Select from options “Yes” or “No”. The item will list in both the Calendar and the File History; if you choose “Yes”, LenStar will populate the Date Read field with today’s date. It will also populate the Read By field with the words “Information Only” in File History. If you choose “No”, the Date Read and Read By fields of File History remain empty. 9.2 Editing Calendar Tasks 1. To edit a task, select the item from the Topic list. 2. Click “Edit”. The Edit Calendar Item dialog box will appear.

3. Edit the Task as necessary. 4. When you are finished, click “Save”. You will return to the Calendar System screen, where you can view your changes.

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9.3 Completing Calendar Tasks 1. To complete a task, select the item from the Topic list. 2. Click “Complete”. An Information message will appear that reads, “Mark calendar item as completed?” 3. To mark the item as being completed, click “Yes”. Otherwise, click “No”. If you choose “Yes”, the item will be removed from your Calendar System as well as from your WorkList.

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10 CHAPTER 7: REQUEST SYSTEM The Request System module is broken down into two sections: Information Requested from the Vendor and Information Requested from the Servicer. When information is requested, the item will be sent via File History and will appear in the WorkList, in both the Servicer and Vendor Request areas. Only the user requesting the information can mark request items as “Complete”; this ensures that the request will remain active until the item has been completed to the satisfaction of the requestor. The Request System is an effective tool for loan servicers to use when evaluating items that are causing delays in the processing of delinquent matters. This module tracks the response time of both the loan servicer and the vendor. The Request System does not overlook critical items, and it eliminates paper requests as well as the use of memory-retentive recall systems. As with File History, you can use the Request System to send messages; however, unlike File History, the Request System enables you to schedule a Due Date to appear in the WorkList. The request item will remain on both your WorkList and the servicer’s WorkList, until your office marks it as complete. Because the items in the Request System are of great importance, you need to dial into the LenStar Hub after entering an item. If you neglect to dial-in, the information will stay in the local system instead of transferring to the servicer. To activate the Request System, choose the “Activate” icon from the tool bar. The Request System screen contains the same options for each action type. Be sure the request item to add or edit corresponds with the loan that originated your search. If it does not match, return to the Search screen and choose the appropriate loan before following these instructions.

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10.1 Vendor Requests In the Vendor Requests area, you can add requests to be delivered to the servicer. There will be a list of the items you have requested, as well as the items that have been completed. You also have the opportunity to mark an item as Complete, Update a Due Date, and View a Request in Detail. Adding an Item: 1. To add a request, click “Add”. An Add Request dialog box will appear:

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2. To enter the due date, double-click the Date Due field and use LenStar’s Date Selection Box, or manually enter the date of your request. For more information, see Chapter 11: Using LenStar’s Date Selection Box. 3. To choose a topic, double-click for a list of requests, or enter the request of your choice in the Topic field. If you double-click in the Topic field, a Select Topic menu will appear:

4. To choose a request, scroll through the list and double-click the request of your choice; or, select a request with your pointer and click “Select”. LenStar will automatically populate both the Topic and Message areas. The list of topics is maintained using Utilities>Manager’s Utilities>Add/Edit Topics. For more information, see Chapter 11: Using the Utilities Menu. 5. To make an addition to LenStar’s automatic message, click in the Message area and compose your message, just as you would e-mail. 6. To select an individual to follow-up on your request, click the drop-down arrow in the Set Calendar Item For field. A drop-down menu of LenStar users will appear. The list of users is maintained through Utilities>Manager’s Utilities>Add/Edit Users. For more information, see Chapter 11: Using the Utilities Menu. 7. Select a name. The name you have chosen will appear in the Set Calendar Item For field. 8. When finished, click “Save”. LenStar will send a message to File History and will add the request to the recipient’s WorkList, once the electronic transmissions occur. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar If you forget to fill in a field, an Error message will appear directing you to the omitted field. Click “OK”; fill in the empty field. Marking as Complete: When you receive the requested information or documentation from the servicer, remove the request from the Request List by marking it “Complete”. If you do not, the Request Item will continue to appear, both on your WorkList and the servicer’s WorkList. 1. To mark a request “Complete”, select the Request with your pointer. 2. Click “Mark As Complete”. A Confirm message will appear reading “Mark as Complete?” 3. To mark the item as complete, click “Yes”. Otherwise, click “No”. If you choose “Yes”, LenStar will default to today’s date, insert it into the Completed field of the Vendor Requests area, and send a message to File History. Changing a Marked As Complete Date: If you inadvertently mark an item “Complete” before it’s been completed, restore its status: 1. Select the Request with your pointer. 2. Click “Mark As Complete”. A Warning message will appear that read, “This request is already marked as complete! Remove existing completed date?” 3. To remove the date, click “Yes”. LenStar will remove the date from the Completed field of the Vendor Requests area. Updating a Due Date: It’s easy to change the due dates for Request items; however, once an item has been marked “Complete”, you cannot change the due date. 1. To update a due date for a request, select the Request with your pointer. 2. Click “Update Due Date”. LenStar’s Date Selection Box will appear, displaying the day and date of the original due date, today’s date, and a “Set Date To” field. 3. To change the date, enter the date in the Set Date To field, or use the date box to choose the new date. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. When finished, click “Save”. An Information message will appear reading, “Send File History to Servicer regarding update to Due date?”

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LenStar 5. Choose the appropriate answer: “Yes” or “No”. The new date will appear in the Due Date field. If you choose “Yes”, LenStar will send the message to the servicer’s File History. 10.2 Servicer Requests From the Servicer Requests screen, no revisions can be made, but you can view and respond to requested items.

Responding to a Request: 1. To respond to a servicer’s request, select the Request with your pointer. Items in the Date Due column that are highlighted in red are past due. 2. Click “Respond To Request”. The screen will display the Topic field and the Message area:

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3. Turn Word Wrap on or off as necessary by clicking “Word Wrap Off”. Word Wrap is an on/off toggle that enables you to wrap long messages for viewing within the message area on the screen. If Word Wrap is toggled to “Off”, the message will not be contained within the boundaries of the message area. The viewer would then have to scroll down to view the entire message. 4. To choose a topic, double-click in the Topic field for a list of request responses; or, enter the request response of your choice in the Topic field. If you double-click in the Topic field, a Select Topic menu will appear.

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5. To choose a response, scroll through the list and double-click the response of your choice or select a response with your pointer and click “Select”. LenStar automatically populates both the Topic and Message areas. The list of topics is maintained using Utilities>Manager’s Utilities>Add/Edit Topics. For more information, see Chapter 11: Using the Utilities Menu. 6. To add to LenStar’s automatic message, click in the Message area and compose your message, just as you would e-mail. 7. To send an attachment with your response, click “Attach File”. An Open File dialog box will appear. 8. Select the document of your choice from the appropriate directory. The attachment name will appear next to the Attach File button. 9. When finished, click “Save”. Before sending your response to the servicer, LenStar will automatically add a line to the end of your message reading, “Please mark this item as completed in the request system!” Viewing a Request Detail: Although only the Topic of the request will appear in both the Vendor and Servicer Request areas, you can read the message that is attached to the topic. View Request Detail works the same for the Servicer Requests as it does for the Vendor Requests. 1. To view a request detail, select the Request with your pointer. 2. Click “View Request Detail”. A View Message screen will appear with your message: Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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3. Turn the Word Wrap on or off by clicking your choice. 4. When finished, click “Close”. You will return to the Requests screen.

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11 CHAPTER 8: DOCUMENT TRACKING Document Tracking is an optional feature. It is beneficial to vendors in states that require original documents. The Document Tracking module tracks documents sent from the loan servicer to the vendor. It also tracks the return of critical documents from the vendor to the servicer. By using the Document Tracking module, you will have additional accountability and easy identification when tracking the location of critical documents. When documents must be retrieved from the courts, Document Tracking is particularly useful for reinstated foreclosure loans. Unlike many systems, the Document Tracking module does not lose the ability to track documents once a case has been closed. Document Tracking also provides an easy method for documenting the path of original documents. When a necessary document is not received, use the Request System (Chapter 9) to send a message to the servicer. To maintain the list of documents, choose Utilities>Manager’s Utilities>Add/Edit Documents. For more information, see Chapter 11: Manager’s Utilities. To activate Document Tracking, click the Document Tracking icon from the tool bar.

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11.1 Adding a Document 1. To add a document, click “Add”. An Add Document dialog box will appear:

2. To select a document title, either enter the title in the Document Name field or click the Document icon to the right of the Document Name field. If you click the Document icon, a Document list will appear.

3. Select a document title from the list with your pointer and double-click; or, click “Select”. The document title will appear in the Document Name field. 4. Depending upon which type of document you received, select either “Original” or “Copy”. The Date Received automatically defaults to today’s date; this can be changed if necessary. 5. To change the Date Received, enter the date manually; or, use LenStar’s Date Selection Box by double-clicking in the Date Received field.

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LenStar For more information, see Chapter 11: LenStar’s Date Selection Box. 6. When you are finished, click “Save”. After saving, the new document will be listed in the Document Tracking area. 11.2 Editing a Document In addition to adding documents, you can edit the information pertaining to a particular document within the Document Tracking module. 1. To edit a document, click “Edit”. The Edit Document Tracking dialog box will appear.

LenStar provides the document name, the date it was sent to (and received by) the vendor, and whether the document is an original or a copy. You can edit all of the fields in the dialog box, except the Document Name field. 2. To add to or edit the date fields, enter the date manually; or, use LenStar’s Date Selection Box by double-clicking in the appropriate date field. For more information, see Chapter 11: LenStar’s Date Selection Box. 3. To add the name of the document recipient, click in the Vendor Sent Document To field and enter the recipient name. 4. When finished editing, click “Save”. You will return to the Document Tracking screen and see your changes in the Document Tracking area.

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12 CHAPTER 9: HOLD SYSTEM When a loan is unable to proceed due to non-routine processing requirements (such as a foreclosure that was pre-empted due to a bankruptcy filing) you can use the Hold System to place the hold on a loan. The Hold System module identifies cases that are on hold, as well as the reason for the delay in the process. Moreover, the Hold System adds accountability and allows quick identification of all of the cases that are no longer being processed. Additionally, the Hold System is a convenient tool for loss mitigation personnel. Through the use of the Hold System, LenStar automatically deducts the number of days a matter is on hold, from the total number of open-to-sale days when calculating vendor performance versus investor time frames. The system requires an explanation for the hold, which is sent as a File History to either the vendor or servicer for review. When you place a loan on hold, the loan will not appear on your WorkList. You can enter multiple holds with the Hold System. To activate the Hold System, click the “Hold” icon from your tool bar.

The Hold System screen contains the same options for each different action type. Be sure the hold item you want to add or edit corresponds with the loan that began your search. If not, return to the Search screen and choose the appropriate loan before following these instructions. 12.1 Adding a Hold

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LenStar 1. To add a hold, click “Add Hold”. The Add Hold Item dialog box will appear:

The Hold Start field will automatically default to today’s date. If this is the correct Start date, you do not need to change the Hold Start field. 2. To change the Hold Start date field, enter the date manually; or, use LenStar’s Date Selection Box by double-clicking in the field. For more information, see Chapter 11: LenStar’s Date Selection Box. 3. For a list of hold reasons, enter the reason manually; or, double-click in the Hold Reason field and a Select Topic menu will appear:

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LenStar 4. To choose a hold reason, scroll through the list and double-click a reason; or, select a reason with your pointer and click “Select”. LenStar will automatically populate both the Hold Reason and the Hold Detail fields. The list of topics is maintained using Utilities>Manager’s Utilities>Add/Edit Topics. For more information, see Chapter 11: Using the Utilities Menu. 5. To add to LenStar’s automatic hold detail, click in the Hold Detail field and compose your message, just as you would e-mail. The Set Calendar Follow-Up On field defaults to one month from the Hold Start date. 6. To change the Set Calendar Follow-Up On date, enter the date manually; or, use LenStar’s Date Selection Box by double-clicking in the field. For more information, see Chapter 11: LenStar’s Date Selection Box. 7. To dismiss the follow-up, check the Ignore Follow-Up box. 8. To choose a name for the Set the Calendar Item for field, use your pointer to select a name from the drop-down list. Your selection will appear in the Set the Calendar Item For field. If you do not alter the Set Calendar Item For field, the name will automatically default to the login name. The list of users is maintained using Utilities>Manger’s Utilities>Add/Edit Users. For more information, see Chapter 11: Using the Utilities Menu. 9. When finished, click “Save”. A Warning message will appear, reminding you to send fees and costs to the servicer. If there is any other pertinent information regarding the loan, another Warning message will appear to remind you. Click “OK” to remove each Warning Message. Once finished, you will return to the Hold System screen to view the new hold in the On Hold System area. When a loan is placed on Hold, the Days on Hold field in the Investor Compliance area of the Event Tracking screen will be highlighted in red. 12.2 Editing a Hold 1. To edit a hold, select the loan from the On Hold System area with your pointer. 2. Click “Edit Hold”. An Edit Hold Item dialog box will appear. All fields will be populated.

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3. To edit the Hold Start Date field, enter the date manually; or, use LenStar’s Date Selection Box by double-clicking in the field. For more information, see Chapter 11: LenStar’s Date Selection Box. 4. For a list of hold reasons, enter the reason manually; or, double-click in the Hold Reason field and a Select Topic menu will appear:

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LenStar 5. To choose a hold reason, scroll through the list and double-click your selection; or, select a reason with your pointer and click “Select”. LenStar will automatically populate both the Hold Reason and Hold Detail fields. The list of topics is maintained using Utilities>Manager’s Utilities>Add/Edit Topics. For more information, see Chapter 11: Using the Utilities Menu. 6. To edit the Hold Detail area, click in the Hold Detail field and compose your message, just as you would e-mail. The Set Calendar Follow-Up On field defaults to one month from the Hold Start date. 7. To edit the Set Calendar follow-up on date, enter the date manually; or, use LenStar’s Date Selection Box by double-clicking in the field. For more information, see Chapter 11: LenStar’s Date Selection Box. 8. To dismiss the follow-up, check the Ignore Follow-Up box. 9. To change a name for the Set Calendar Item For field, use your pointer to select a name from the drop-down list. Your selection will appear in the Set the Calendar Item For field. If you do not alter the Set Calendar Item For field, the name will automatically default to the login name. The list of users is maintained using Utilities>Manger’s Utilities>Add/Edit Users. For more information, see Chapter 11: Using the Utilities Menu. 10.When finished, click “Save”. You will return to the Hold System screen to view your changes in the appropriate fields. 12.3 Ending a Hold 1. To end a hold, select the loan from the On Hold System area with your pointer. 2. Click “End Hold”. The LenStar Date Selection Box will appear:

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LenStar 3. Enter the date the hold ended in the Set date to field, and click “Save”. You will return to the Hold System screen to view the hold’s end date in the End Hold field for that loan. A message will be sent to File History indicating that the hold has ended. It will also show the total number of days the matter was on hold. The End Hold date cannot be a future date. If you enter a future date, an Error Message will appear, reminding you that the date must be between the Hold Start date and today’s date. To clear the message, click “OK”. 12.4 Removing an End Hold Date If you previously ended a hold and the incorrect date was entered, or the loan was ended in error, you can remove the End Hold date from the On Hold System area. 1. To remove an End Hold date, use your pointer to select the loan from the On Hold System area. 2. Click “End Hold”. An Information message will appear reading, “Remove hold end date?” 3. To remove the End Hold date, click “Yes”. Otherwise, click “No”. If you choose “Yes”, the End Hold date will be removed, and you will return to the Hold System screen. 12.5 Viewing a Hold Detail At any point, on any loan, you can view the message attached to the hold. 1. To view a Hold Detail, select the loan to view from the On Hold System area with your pointer. 2. Click “View Hold Detail”. A View Message screen will appear:

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3. Turn Word Wrap on or off as necessary by clicking your choice. 4. When finished, click “Close”. You will return to the Hold System screen.

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13 CHAPTER 10: ELECTRONIC MAIL The Electronic Mail (e-mail) feature of LenStar is used only for non-loan related correspondence between the vendor and the servicer. Since this is not a Web-based feature, only individuals with access to the LenStar Network can use the e-mail function. Since you can send and receive messages only from LenStar processors, you cannot transmit loan information via e-mail; instead, the information transfers through File History (Chapter 5). When you decide to compose e-mail using LenStar, you will be reminded of its function by a message that reads, “Please remember that e-mail is not to be used for loan related correspondence. Use file history for all loan related correspondence.” To activate the Electronic Mail, click the “Mail” icon from the toolbar.

13.1 Composing LenStar E-mail 1. To compose a message, click “Compose Mail”. A Warning message will appear reading, “Please remember that e-mail is not to be used for loan related correspondence. Use file history for all loan related correspondence.” 2. Click “OK”. This will remove the Warning message and take you to the Compose field. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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3. Enter your information into the Mail To, Company, and Topic fields. If you enter a partial name and hit your keyboard’s tab key, the system will add the first person in the list whose name begins with those letters, and their company name. 4. To view the list of LenStar users, double-click the Mail To field. A drop-down User list will appear, which allows you to select a recipient.

5. To choose a name, double-click the name of the person; or, use your pointer to select a name and click “Select”. The list of users is maintained using Utilities>Manager’s Utilities>Add/Edit Users. For more information, see Chapter 11: Using the Utilities Menu. 6. Enter your topic in the Topic field. 7. Enter your message in the Message area.

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LenStar 8. When finished, click “Send”. LenStar will return you to the original Electronic Mail screen. Next to the Compose Mail button are Mail Options. You can View New Mail, View Mail Previously Read, or to View Mail Previously Sent by clicking the option button of your choice. 13.2 Reading LenStar E-mail If you have e-mail to be read, an Information message will be displayed when you first log on to LenStar. Click “OK” to clear the message from your screen. When you reach LenStar’s email screen, each Mail Option (New Mail, View Mail Previously Read, or View Mail Previously Sent) provides a list of messages for your selection. Reading New Mail: 1. To view new mail, click “View New Mail”. LenStar displays a list of unread e-mail messages. 2. Double-click the message you want to read. 3. Click “Word Wrap On”. This displays the message within the viewing area. Word Wrap is an on/off toggle that enables you to wrap long messages for viewing within the message area on the screen. If Word Wrap is toggled to “Off”, the message will overlap the sides of the message area. The user would then have to scroll to the bottom of the screen to view the entire Request message. 4. To print the message, click “Print”. 5. When you are finished reading your message(s), click “Close”. Once a message has been read, it moves from the New Mail list to the Previously Read list. Reading Previously Read Mail: 1. To read previously read mail, click “View Mail Previously Read”. 2. Double-click the message that you would like to review. 3. Click “Word Wrap On”. This displays the message within the viewing area. Word Wrap is an on/off toggle that enables you to wrap long messages for viewing within the message area on the screen. If Word Wrap is toggled to “Off”, the message will overlap the sides of the message area. The user would then have to scroll to the bottom of the screen to view the entire Request message. 4. To print the message, click “Print”. 5. When you are finished reading your message(s), click “Close”. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar Reading Previously Sent Mail: 1. To read previously sent mail, click “View Mail Previously Read”. A list of messages that you have sent to other LenStar users will appear. 2. Double-click the message that you want to review. 3. Click “Word Wrap On”. This displays the message within the viewing area. 4. To print the message, click “Print”. 5. When you are finished reading your message(s), click “Close”. 13.3 Forwarding LenStar E-mail 1. To forward a message, choose “Forward E-Mail”. A LenStar Select User list box will appear:

The list of users is maintained using Utilities>Manager’s Utilities>Add/Edit Users. For more information, see Chapter 11: Using the Utilities Menu. 2. Double-click the name of the person to whom you would like to forward the message. A message will appear to confirm your choice. 3. When you are finished, click “OK”. You will return to the list of e-mail messages. When you have finished reviewing your messages, you can “X” out of the screen, or go to another Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar screen by clicking the “Search” icon to search, “WorkList” icon to go to the WorkList, or “Help” icon for help. When you “X” out of the screen, the entire LenStar program will close.

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14 CHAPTER 11: WORKING WITH LENSTAR MENUS 14.1 Toolbar Menus The menu items at the top of the LenStar Tracking screen maintain a general configuration similar to basic computer programs with File, Edit, and Help drop-down menus. In addition, there are Utilities and Reports drop-down menus. Utilities refer to functions; Reports refer to internal reports from the LenStar system. Below the main menu items, there is a toolbar with available Search, WorkList, E-mail and Help icons.

Using the File Menu: From the File menu, you can search, go to your WorkList, set up your printer, and exit the program. Search: To search for a loan, you can access the Search function from the File menu. 1. Choose File>Search. You will move to LenStar’s Search screen. Now, you can choose the loan that you would like to work with. WorkList: You can access your WorkList through the File drop-down menu. Choose File>WorkList. You will move to the WorkList screen, where you can work with the list of your choice. Printer Setup: The Printer Setup works much like the standard Windows Printer Setup. You can select or change the default printer, print range and amount of copies that you would like to print. 1. To setup your printer, choose File>Printer Setup. 2. Make the necessary adjustments. 3. Click “OK”. Exit: 1. To exit LenStar, choose File>Exit. This closes the LenStar program. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar Using the Edit Menu: The Edit menu is similar to the standard Windows Edit menu. From the Edit menu, you can cut, copy, and paste. Using the Utilities Menu: From the Utilities menu, you can change your password, print your screen, add or edit priority comments, and export information. Managers also have a Manager’s Utilities option that opens another drop-down menu; its functions are described later in this document. Change Password: 1. To change your password, choose Utilities>Change Password. A Change Password dialog box will appear:

2. Enter your new password in the Enter New Password field. 3. Enter your password again in the Confirm New Password field. 4. Click “OK”. A Warning message will appear reading “Changed!” Print Screen: The Print Screen utility enables you to print a copy of the current screen. The printed screen will not show the loan number or the borrower’s name as they appear at the top of your screen. 1. To print the screen, choose Utilities>Print Screen. Priority Comment: The Priority Comment utility is only available when you have selected a loan. The Priority Comment utility enables your office to enter a comment that will be displayed when the loan is accessed. If the servicer is online with LenStar, the servicer’s office can also enter comments. Your office will only see the comments originated from your office; the servicer’s office will only see comments originated from their office. A Priority Comment remains attached to a loan until the comment is removed. If a loan is on Hold, you do not Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar need to add a separate Priority Comment. This will be done automatically when the loan is put on Hold. For instructions to add or remove a hold, see Chapter 9: Hold System. Adding/Editing a Priority Comment: Follow the same process for Adding as for Editing a Priority Comment. 1. To add or edit a Priority Comment, double-click the loan that you want to Add/Edit from the Search screen. 2. Choose Utilities>Priority Comment. A Priority Comment dialog box will appear:

3. To add or edit information, click “Edit”. 4. Enter the information for the comment, or make the necessary changes to the existing information in the Message area. 5. Click “Save”. 6. When you are finished, click “Close”. The next time the loan is accessed, a Warning message will appear that shows the comment that you entered or changed. Removing a Priority Comment: 1. To remove a Priority Comment, double-click your selected loan from the Search screen. 2. Choose Utilities>Priority Comment. A Priority Comment dialog box will appear:

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3. Click “Remove”. The Priority Comment is removed from the Priority Comment area. 4. When finished, click “Close”. The next time the loan is accessed, no Warning message will appear. Export Process: The Export Process enables you to export information out of LenStar. 1. From the Search screen, double-click the selected loan. 2. To export a process, choose Utilities>Export Process. An Export dialog box will appear for the loan action:

The Export Process utility is not available for Proof of Claim or Deed in Lieu actions. 3. Check the box next to the Export option of your choice. 4. Click “Start Export”. An Information message will appear reading, “Export Completed!” 5. Click “OK”. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar 6. When finished, click “Close”. Manager’s Utilities: Add/Edit Users: 1. To add or edit a user, choose Utilities>Manager’s Utilities>Add/Edit Users. A LenStar Users menu will appear:

2. To add a user, click “Add”. The Add/Edit LenStar Users dialog box will appear:

3. Enter the name of the user, company name, and user’s password in the appropriate fields. 4. To choose the security level for the new user, click the drop-down arrow next to the Security field. A drop-down menu will appear with the manager, user, or viewer choices. 5. Select your choice with your pointer. The item will appear in the Security field. You must enter a valid User Name, Password, Security level and Phone number before you can save your information. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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6. When you are finished entering your information, click “Save”. LenStar will add the individual to the User List. 7. When you are finished viewing your changes, click “Close”. Add/Edit Documents: The Add/Edit Documents utility enables you to maintain the list of documents used in the Document Tracking module. Adding a New Document: To add a new document name, choose Utilities>Manager’s Utilities>Add/Edit Documents. The Add/Edit Document Names drop-down menu will appear:

To add a new document, click “Add”. A Document dialog box will appear:

Enter the name of the new document in the Document field. When you are finished, click “Save”. Editing a Document: To edit a document, choose Utilities>Manager’s Utilities> Add/Edit Documents. The Add/Edit Document Names drop-down menu will appear.

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Select the document of your choice from the Document Name list with your pointer. Click “Edit”. A Document dialog box will appear.

Edit the Document field as necessary. Click “Save”. When you are finished, click “Close”. Add/Edit Topics: The Add/Edit Topics utility enables you to maintain the standard topic lists for the Hold, Request, File History, and Calendar systems. Adding a Topic: To add a topic, choose Utilities>Manager’s Utilities>Add/Edit Topics. The Add/Edit Table dialog box will appear:

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To add a topic, select the appropriate sub-system. Click “Add”. A Topic dialog box will appear:

Enter the topic of your choice in the Topic field. Enter a standard message related to the topic in the Message area. When finished, click “Save”. Editing a Topic: To edit a topic, select the appropriate sub-system. Select the document of your choice from the Topic list with your pointer. Click “Edit”. A Topic dialog box will appear:

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Edit the appropriate fields as necessary. Click “Save”. When finished, click “Close”. Add/Edit Investor Table: You can maintain investor information with the Add/Edit Investor Table utility. Searching for an Investor: To search for an investor, choose Utilities>Manager’s Utilities>Add/Edit Investor Table. An Investor Information dialog box will appear:

Click in the Investor Name field. Enter the investor’s name. In the Investor Name list, the left arrow will move to the first investor name that meets your entered criteria. You can either add or edit the information pertaining to this investor. Adding an Investor Table: To add an Investor Table, choose Utilities>Manager’s Utilities>Add/Edit Investor Table. The Investor Information dialog box will appear:

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Click “Add/Edit Investor”. The Company Name & Address dialog box will appear:

Click “Add”. All the fields on the screen will become highlighted. Enter investor information in the corresponding fields. Click “Save”. Click “Close”. You will return to the Investor Information drop-down menu. When finished adding investors, click “Close”. Editing an Investor Table: To edit an Investor Table, choose Utilities>Manager’s Utilities>Add/Edit Investor Table. The Investor Information dialog box will appear:

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Use your pointer to select the investor of your choice from the Investor Name table. Click “Add/Edit Investor”. The Company Name & Address dialog box will appear. Click “Edit”. All of the fields on the screen will become highlighted. Edit the appropriate fields as necessary. Click “Save”. Click “Close”. You will return to the Investor Information drop-down menu. When finished editing, click “Close”. Add/Edit Title Companies: You can use the Add/Edit Title Companies utility to maintain the list of Title Companies used in the Foreclosure Loan Info. Adding a Title Company: To add a title company, choose Utilities>Manager’s Utilities>Add/Edit Title Companies. The Title Companies dialog box will appear:

Click “Add”. The Add Title Company dialog box will appear:

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LenStar Enter the title company information in the appropriate fields. Click “Save”. LenStar will add the new company to the Title Companies drop-down menu. When you are finished, click “Close”. Editing Title Companies: To edit a title company, choose Utilities>Manager’s Utilities>Add/Edit Title Companies. The Title Companies drop-down menu will appear:

Select the investor of your choice from the Investor Name table with your pointer. Click “Edit”. An Edit Title Company dialog box will appear:

Make the necessary changes to the appropriate fields. Click “Save”. You will see your changes in the Title Companies dialog box. When you are finished, click “Close”. Add/Edit Brokers: The Add/Edit Brokers utility enables you to maintain and update the list of brokers. Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar Adding a Broker: To add a broker, choose Utilities>Manager’s Utilities>Add/Edit Brokers. The Brokers dialog box will appear:

Click “Add”. The Add REO Broker dialog-box will appear:

Add your information in the appropriate fields. Click “Save”. LenStar will add the new broker to the Brokers drop-down menu. When you are finished, click “Close”. Editing a Broker: To edit broker information, choose Utilities>Manager’s Utilities>Add/Edit Brokers. The Brokers dialog box will appear:

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Use your pointer to select the Broker of your choice from the Brokers table. Click “Edit”. The Edit REO Broker Information dialog box will appear:

Edit the fields as necessary. Click “Save”. You will see your changes in the Brokers dialog box. When finished, click “Close”. Add/Edit Receivers: You can maintain and update the list of receivers with the Add/Edit Receivers utility. Adding a Receiver: To add a receiver, choose Utilities>Manager’s Utilities>Add/Edit Receivers. The Receivers dialog box will appear:

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Click “Add”. The Add Receiver dialog-box will appear:

Add your information in the appropriate fields. Click “Save”. LenStar will add the new receiver to the Receivers dialog box. When you are finished, click “Close”. Editing a Receiver: To edit a receiver, choose Utilities>Manager’s Utilities>Add/Edit Receivers. The Receivers dialog box will appear:

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Select a receiver from the Receivers table. Click “Edit”. The Edit Receiver Information dialog box will appear:

Edit the appropriate fields as necessary. Click “Save”. You will see your changes in the Receivers dialog box. When finished, click “Close”. Rebuild WorkList: Use the Rebuild WorkList utility to ensure the WorkList stays in the proper order. At minimum, this process should be done on a weekly basis. To rebuild the WorkList, choose Utilities>Manager’s Utilities>Rebuild WorkList. A Rebuild WorkList dialog box will appear.

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Click “Rebuild WorkList”. LenStar will rebuild your WorkList. When finished, click “Close”. Court/Trustee Reference Number: LenStar maintains the database for the Court/Trustee Reference Number. Therefore, you can edit only the Reference Number for the Court and Trustee Cross Reference. To edit the Court/Trustee Reference Number, choose Utilities>Manager’s Utilities>Court/Trustee Reference Number. The Edit BK Court & Trustee Cross Reference dialog box will appear:

Click “Edit”. The Reference Number field will become highlighted. Edit as necessary. You will see your changes in the Reference field of the Edit BK Court & Trustee Cross Reference drop-down menu. Click “Save”. When you are finished, click “Close”.

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LenStar Clean-up Utilities: Occasionally, you may have alignment errors when you have a particular loan open, or a loan may be set up incorrectly. The Clean-up utility enables you to correct any errors. You must have a loan open in order to use the Clean-up Utilities. Delete Record Alignment Errors: Choose Utilities>Manager’s Utilities>Clean-up Utilities>Delete Record Alignment Errors. The Password dialog box will appear:

Enter your password in the Enter Password field. Click “OK”. Re-touch Records: Choose Utilities>Manager’s Utilities>Clean-up Utilities>Re-touch Records. The Password dialog box will appear:

Enter your password in the Enter Password field. Click “OK”. Modify Invest ID: Choose Utilities>Manager’s Utilities>Clean-up Utilities>Modify Invest ID. The Password dialog box will appear:

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Enter your password in the Enter Password field. Click “OK”. Using the Reports Menu: All reports, except Unread File History, enable you to choose a date range prior to printing the report. When you change either the stop or start date, you must click “Rebuild Table”, prior to printing the report. Once you have selected your date range and rebuilt the table, you can save or preview the report on the screen, prior to printing. Unread File History: The Unread File History report displays all File Histories sent by the user that have not been read by the recipient. The report is organized in chronological order based on the date the File History was sent. To view unread File Histories, choose Reports>Unread File History. A Print Preview screen will appear, displaying the Unread File History Report. At the top of the Print Preview screen, click “Print” to print or “Save” to save. When finished, click “Close”. Future Sales: The Future Sales report displays all loans with scheduled sale dates during the date range entered. The report prints in chronological order based on the Scheduled Sale Date. To view the Future Sales report, choose Reports>Future Sales. The Future Sales Report Configuration dialog box will appear:

To change the start and stop dates in the Date Range area, click the date field and use LenStar’s Date Selection Box; or, enter the date manually. For more information, see LenStar’s Date Selection Box heading later in this chapter. To rebuild the table, click “Rebuild Table”. To print the document without previewing it, click “Print”. To preview the report, click “Preview”. A Print Preview screen will appear. At the top of the Print Preview screen, click “Print” to print or “Save” to save. Click “Close”. You will return to the Future Sales Report Configuration dialog box. When you are finished, click “Close”.

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Investor Compliance: The Investor Compliance report displays all loans that fall outside of the investor-allowable timeframes, based on the state and loan type. The report prints in descending order, with the largest variance at the top of the list. Choose Reports>Investor Compliance. An Investor Compliance Report Configuration dialog box will appear:

To rebuild the table, click “Rebuild Table”. To print the document without previewing it, click “Print”. To preview the report, click “Preview”. The Print Preview screen will appear. At the top of the Print Preview screen, click “Print” to print or “Save” to save. Click “Close”. You will return to the Investor Compliance Configuration dialog box. When finished, click “Close”. Days to Sale: The Days to Sale report displays all loans that went to sale during the date range entered, and compares the actual processing time to the allowable time. Choose Reports>Days to Sale. The Days to Sale Configuration dialog box will appear:

To change the start and stop dates in the Date Range area, click in the date field and use LenStar’s Date Selection Box; or, manually enter the date. For more information, see LenStar’s Date Selection Box heading later in this chapter. To rebuild the table, click “Rebuild Table”. To print the document without previewing it, click “Print”. To preview the report, click “Preview”. A Print Preview screen will appear. At the top of the Print Preview screen, click Issue 1.00 LBG-I-LS-045-012 LenStar Training Manual

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LenStar “Print” to print or “Save” to save. Click “Close”. You will return to the Days to Sale Configuration dialog box. When finished, click “Close”. New Order Detail: The New Order Detail report displays all orders opened during the date range entered. The report is in alphabetical order, based on vendor name. Choose Reports>New Order Detail. The New Order Report Configuration dialog box will appear:

To change the start and stop dates in the Date Range area, click in the date field and use LenStar’s Date Selection Box or manually enter the date. For more information, see LenStar’s Date Selection Box heading later in this chapter. To rebuild the table, click “Rebuild Table”. To print the document without previewing it, click “Print”. To preview the report, click “Preview”. The Print Preview screen will appear. At the top of the Print Preview screen, click “Print” to print or “Save” to save. Click “Close”. You will return to the New Order Report Configuration dialog box. When you are finished, click “Close”. Closed File Report: The Closed File report displays all loans closed during the date range entered. The report prints in date order based on the closed date. Choose Reports>Closed File Report. The Closed File Report Configuration dialog box will appear:

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To change the start and stop dates in the Date Range area, click the date field and use LenStar’s Date Selection Box; or, manually enter the date. To rebuild the table, click “Rebuild Table”. To print the document without previewing it, click “Print”. To preview the report, click “Preview”. The Print Preview screen will appear. At the top of the Print Preview screen, click “Print” to print or “Save” to save. Click “Close”. You will return to the Closed File Report Configuration dialog box. When you are finished, click “Close”. Using the Help Menu: The Help menu is similar to the standard Windows Help menu. You can use an index to find the help topic you are looking for, minimize the database size, maximize search capabilities, and customize search capabilities. There is also a How To Use Help section, if you need further assistance. 14.2 LenStar’s Date Selection Box When you come to a field that requires a date added or edited, enter a date manually; or, use LenStar’s Date Selection Box. The Date Box allows you to change, remove, cancel, and save dates. Adding/Editing a Date: To add or edit a date, double-click the date field to update. The field becomes highlighted; LenStar’s Date Selection Box will appear:

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To choose a date, click the appropriate numbers and use the arrows to move from month to month, or year to year; or, enter a date in the Set Date To area. Once you have chosen your date, click “Save”. The new date should appear in the highlighted field. At times, various messages will appear once a new date is saved. For a Quick File History message, follow the instructions in the Removing A Date section of this chapter. If another message appears, follow its directions. Removing a Date: To change an incorrect date or enter a different projected date, remove the invalid date using LenStar’s Date Selection Box. To remove a date, double-click the date to remove. The Date field will be highlighted. Click “Remove”. The Quick File History dialog box will appear:

LenStar will automatically fill in the Topic field; however, you are now required to enter a reason for removing the date. To add a reason for date removal, click the Reason area. Enter your reason.

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LenStar If you do not enter a reason in the Reason field, an error message will appear reminding you to enter a reason. Click “OK” to remove the message. Check or uncheck the Information Only box. When checked, the information goes directly to the servicer’s File History, and the servicer is not required to read the information. If the servicer is required to read a message when a date is changed or removed, uncheck the box to turn it off. The message will go to the servicer’s File History and WorkList, and the servicer will be required to read the information. Click “Save”. Your date will be removed, and the action will be filed in File History. If, by removing the date, a To Be Completed date is left open, the task will appear in your WorkList and File History.

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