Eforms. Product Update. September 2014

Transcription

1 Eforms Product Update September 2014 The objective of this monthly product update is to provide a recap of regulatory-driven form changes, form enhancements, and new forms that are being developed. You will receive a description of these changes so that you can plan ahead for implementing them. We believe this service enhances the value of our electronic forms offering while providing the extra level of service you have come to expect from Wolters Kluwer Financial Services.

2 This publication was written for the Electronic Forms. Publication Information / Version Electronic Forms Product Update Document Version Information Version 1.0 Release Date September 2014 Distributed Subject to Terms of a License or other Agreement The contents of this publication, including its appendices, exhibits, and other attachments, as updated or revised, are highly confidential and proprietary to Wolters Kluwer Financial Services, Inc. or its subsidiaries or affiliates ( Wolters Kluwer Financial Services ). This publication is distributed pursuant to a Non-Disclosure Agreement, Evaluation Agreement, License Agreement and/or other similar agreement(s) with Wolters Kluwer Financial Services, Inc. or its subsidiary or affiliate. Unless otherwise specifically provided in such agreement(s), the reproduction of this publication is strictly prohibited. Use and distribution of this publication are also subject to the responsibilities and obligations of such agreement(s), which require confidential treatment of this publication and its contents. Information in this guide is subject to change without notice and does not represent a commitment on the part of Wolters Kluwer Financial Services. Do Not Reproduce or Transmit Unless otherwise specifically authorized in the agreement or license under which this publication has been provided, no part of this publication may be posted, played, transmitted, distributed, copied or reproduced in any form or by any means, electronic or mechanical, including photocopying, recording, or retaining on any information storage and retrieval system, without prior written permission from Wolters Kluwer Financial Services. Requests for permission to reproduce content should be directed to Wolters Kluwer Financial Services, Inc., Corporate Legal Department, by telephone at Not a Substitute for Legal Advice This publication is intended to provide accurate and authoritative information about the subject matter covered based upon information available at the time of publication. Examples given in this publication are for illustrative purposes only. Development of this publication and the software (including forms, disclosures, reports, and other documents generated by the software) or other products that it describes was based on Wolters Kluwer Financial Services' understanding of various laws, regulations and commentaries. Wolters Kluwer Financial Services cannot and does not guarantee that its understanding is correct. This publication is not intended, and should not be used, as a substitute for legal, accounting, or other professional advice. Wolters Kluwer Financial Services is not engaged in providing legal, accounting or other professional services. If legal or other professional assistance is required, you should seek the services of a competent professional. We encourage you to seek the advice of your own attorney concerning all legal issues involving the use of this publication and any products described in this publication. If your interpretations or your counsel s interpretations are contrary to those expressed in this publication, you should of course, follow your/your counsel s interpretations. The following notice is required by law: WOLTERS KLUWER FINANCIAL SERVICES PRODUCTS AND SERVICES ARE NOT A SUBSTITUTE FOR THE ADVICE OF AN ATTORNEY. Warranty Disclaimer Except only for the warranties (if any) expressly set forth in the agreement(s) under which this publication is provided (i. e., your agreement or license for the described product), this publication is provided as is, and Wolters Kluwer Financial Services makes no warranty, express, implied, by description, by sample or otherwise, and in particular and without limitation, makes no implied warranties of merchantability or fitness for purpose. No modifications to this Warranty Disclaimer are authorized unless in writing and signed by the President or a Vice President of the Wolters Kluwer Financial Services entity licensing the product described in this publication. Attributions and Acknowledgements All trademarks are the property of their respective owners. Copyright Information 2014 Wolters Kluwer Financial Services, St. Cloud, Minnesota This publication is the confidential information of Wolters Kluwer Financial Services. Distribution of this publication is subject to restrictions in the license or agreement under which this publication is provided to authorized Wolters Kluwer Financial Institution customers. All rights reserved. ii

3 Lending Electronic Modules: Multi-State Forms Table of Contents Lending Electronic Modules... 1 Multi-State Forms... 1 State-Specific Forms... 1 Arizona... 1 Arkansas... 2 Connecticut... 2 Maryland... 3 Massachusetts... 3 Minnesota... 4 Pennsylvania... 4 Washington... 7 Deposit Electronic Modules... 8 Multi-State Forms... 8 Glossary of Terminology... 9 Completed Forms Grid September Product Support Technical Support Quotes and Order Information for Custom and OCP E-Forms Invoicing Forms Use and Compliance Questions When Contacting Us: iii

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5 Lending Electronic Modules COM, CONCU, FCM, GSM, HEM, HIM, LEM, MHM, MVM, REMCU, TPM Multi-State Forms Technical Defect NDAS-VSI-XX - Variable/Simple Interest Note, Disclosure, and Security Agreement Technical changes were made to this document; however, the revision date on this document was not changed. The fields in the Itemization of Amount Financed section have been changed to be right aligned. Format s Affected: IFD, MDF, BFO, PDF, UFX. PPELAPPROVAL - Partial Private Education Loan Approval As required by Section (b)(4) of Regulation Z, the second page of the PPELAPPROVAL discloses available Federal Loan Alternatives. The interest rates for Stafford Undergraduate unsubsidized and Stafford Graduate are no longer the same. Therefore, the Stafford loan disclosures have been revised to reflect the three current loan types: Undergraduate subsidized, Undergraduate unsubsidized and Graduate and Profession. In addition, because the Plus Federal Family Education Loan (FFEL) program has been discontinued, the reference to FFEL has been removed. Technical Defect VMP Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding - Individual (IRS form W-8BEN) Technical changes were made to this document; however, the revision date on this document was not changed. The Country field in section 3, and the field for section 9, under Part II, were duplicate public names. The field in section 9. has been changed from BeneficialOwner.Address.Country to BeneficialOwner.Country. State-Specific Forms Arizona POA-MV-AZ - Power of Attorney-AZ The Arizona Motor Vehicle Division has updated their Power of Attorney ( ) with a revision date of 12/13. We have updated POA-MV-AZ to match the state document. The logo at the top of the document has been updated and the field for "year" next to mailing address has been deleted. 1

6 Lending Electronic Modules: State-Specific Forms Arkansas VMP4041AR - Satisfaction of Deed of Trust with Notary Acknowledgment This form was revised to change the acknowledgment language to match the statutory language. The statutory language was revised some time ago, but the amendment also stated that the previous language continued to be valid and acceptable. The new language appears in Arkansas Code VMP6AAR - Mortgage with MERS-AR VMP6AR - Mortgage-AR This form has been revised to change the acknowledgment language to match the statutory language. The statutory language was revised some time ago, but the amendment also stated that the previous language continued to be valid and acceptable. The new language appears in Arkansas Code Also the Wolters Kluwer Financial Services tagline and Style Guide have been implemented, and subsequently, the page count has increased. Connecticut MV-1-CT - Official Registration of a Motor Vehicle and Application for Certificate of Title-CT The State of Connecticut Department of Motor Vehicles has updated their Official Registration of a Motor Vehicle and Application for Certificate of Title (form H-13) with a revision date of We have updated MV-1-CT to match the state form. A third instruction has been added to the top of the document "if you are changing your address in addition to DMV, please contact your local post office to change your official mailing address." Discontinued PMI-DISC-CT - Private Mortgage Insurance Disclosure The Private Mortgage Insurance Disclosure (PMI-DISC-CT) has been discontinued and replaced with the VMP1045CT. In addition to the private mortgage insurance disclosure, the VMP1045CT includes the right to counsel dislcosure required by Conn. Gen. Stat. 49-6d and the interim financing disclosure required by Conn. Gen. Stat. 49-6a. Discontinued RSCD-CT - Right to Separate Counsel Disclosure-CT The Right to Separate Counsel Disclosure (RSCD-CT) has been discontinued and replaced with the VMP1045CT. In addition to the right to counsel disclosure, the VMP1045CT includes the private mortgage insurance required by Conn. Gen. Stat. 36a-726 and the interim financing disclosure required by Conn. Gen. Stat. 49-6a. 2

7 Lending Electronic Modules: State-Specific Forms VMP1045CT - Application Disclosure-CT This form was revised to include all options under the Private Mortgage Insurance section. A checkbox was added to include a choice for "Private mortgage insurance is not required." This new checkbox clearly provides customers all options available for a loan and fulfills the condition of when a loan does not require private mortgage insurance and the loan-to-value does NOT exceed 80 percent. In addition to this clarification the word when has been changed to because in the second checkbox to clearly state the reason the interest is higher on a loan. Maryland MV-1-MD - Title Application-MD The Maryland Motor Vehicle Administration has updated their Title Application (VR-005) with a revision date of We have updated our form to match the state document. Two fields have been added to the top of the document for address and phone number. In the vehicle description section the account number field has been deleted. Massachusetts RSSIMVLFLZMA - Retail Sales Simple Interest Motor Vehicle Late Fee RSSIMVLFAZMA - Retail Sales Simple Interest Motor Vehicle Late Fee Arbitration Massachusetts dealers offer gap products using many different brands and names. The unique names create difficulties for assignee operations. Based on market feedback, we have hardcoded a "Gap Waiver paid to Seller" line in the Itemization of Amount Financed. Dealers can use this line for their gap waiver products regardless of the product name. The resulting uniformity of contract completion will greatly assist assignee operations. We have also modified gap references in the form to be more consistent with terminology used in Massachusetts laws. "Gap Waiver or Gap Coverage" references have been changed to "Optional Gap Waiver" and "Optional Gap Waiver (Debt Cancellation or Debt Suspension)". Due to restrictions in Massachusetts law, this form should not be used to charge fees that are additional finance charges. To reduce possible dealer errors, we have removed "Prepaid Finance Charge $ " from the Itemization of Amount Financed and have adjusted the "(l+w-x)" formula for the Amount Financed accordingly. These are important market-driven enhancements and we encourage customers to transition to the new revision. We will continue to offer the prior 10/31/2010 revision until November 1, 2014 to allow customers time to transition. VMP30MA - Adverse Action-Statement of Credit Denial-MA VMP126MA - Adverse Action-Right to Request Specific Reasons for Credit 3

8 Lending Electronic Modules: State-Specific Forms Denial-MA VMP132MA - Adverse Action Counteroffer-MA The language for the Massachusetts Fair Housing Law has been updated to include religion and the following phrase: (which shall not include persons whose sexual orientation involves minor children as the sex object). Minnesota VMP553CMN - Notice of Servicing Transfer-MN, VMP553DMN - Notice of Servicing Transfer without Mortgage/Disability Insurance-MN This form has been revised to replace the word Monthly in Monthly Payment with a data field so different types of payment frequencies may be entered. The field names for Interest Rate, Payment and Other in the same section were changed. We also made text changes to the first paragraph, last sentence and the sentence immediately above Interest Rate. Pennsylvania Mandatory Compliance (12/1/2014) RSPACMVLZ-PA - Retail Sales Precomputed Motor Vehicle-PA PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Motor Vehicle Sales Finance Act is codified in 12 Pa.C.S. Chapter 62. The following revisions in Chapter 62 affect our motor vehicle retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) identifed specific charges to the purchase price in the Itemization of Amount Financed box; 4) inserted statement regarding buyer's right to receive a detailed statement of account; 5) inserted statement regarding Unfair Trade Practices; 6) modified "NOTICE TO BUYER" paragraph; 7) added three more elements to the acceleration clause; and 8) revised notice of intent to resell to 15 days. Revised forms, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). Style and design enhancements have been applied to this document. Please reference the BSI E-Form Style Guide Communication for information regarding these changes. Mandatory Compliance (12/1/2014) RSPACGSLZ-PA - Retail Sales Precomputed Goods and Services-PA PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Good and Services Sales Finance chapter is now codified in 12 Pa.C.S. Chapter 63. The following revisions in Chapter 63 affect our goods and services retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) removed "description of other property" checkbox to support PA closed end credit agreements under statutory language; 4) late charge of $5.00 was increased to $10.00; 5) changed 4

9 Lending Electronic Modules: State-Specific Forms "cash price" to "purchase price"; and 6) modified the "NOTICE" and "NOTICE TO BUYER" paragraphs. Revised form, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). Style and design enhancements have been applied to this document. Please reference the BSI E- Form Style Guide Communication for information regarding these changes. Mandatory Compliance (12/1/2014) RSSIGSLFLZPA - Retail Installment Contract and Security Agreement Goods and Services Late Fee RSSIGSLFAZPA Retail Installment Contract and Security Agreement Goods and Services Late Fee with Arbitration PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Good and Services Sales Finance chapter is now codified in 12 Pa.C.S. Chapter 63. The following revisions in Chapter 63 affect our goods and services retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) removed "description of other property" checkbox to support PA closed end credit agreements under statutory language; 4) late charge of $5.00 was increased to $10.00; 5) changed "cash price" to "purchase price"; and 6) modified the "NOTICE" and "NOTICE TO BUYER" paragraphs. Revised forms, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). Mandatory Compliance (12/1/2014) RSSIGSLAZ-PA - Retail Installment Contract and Security Agreement PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Good and Services Sales Finance chapter is now codified in 12 Pa.C.S. Chapter 63. The following revisions in Chapter 63 affect our goods and services retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) removed "description of other property" checkbox to support PA closed end credit agreements under statutory language; 4) late charge of $5.00 was increased to $10.00; 5) changed "cash price" to "purchase price"; and 6) modified the "NOTICE" and "NOTICE TO BUYER" paragraphs. Revised form, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). We have also updated the Wolters Kluwer Financial Services tagline as well. Mandatory Compliance (12/1/2014) RSSIMHLAZ-PA - Manufactured Home Retail Installment Contract-PA PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Motor Vehicle Sales Finance Act is codified in 12 Pa.C.S. Chapter 62. The following revisions in Chapter 62 affect our motor vehicle retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) identifying specific charges to the purchase price in the Itemization of Amount Financed box; 4) inserting statement regarding buyer's right to receive a detailed statement of account; 5) inserting statement regarding Unfair Trade Practices; 6) modifying "NOTICE TO BUYER" paragraph; and 7) 5

10 Lending Electronic Modules: State-Specific Forms revising notice of intent to resell to 15 days. Revised forms, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). Mandatory Compliance (12/1/2014) RSSIMVLAZ-PA - Retail Installment Contract Motor Vehicle-PA PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Motor Vehicle Sales Finance Act is codified in 12 Pa.C.S. Chapter 62. The following revisions in Chapter 62 affect our motor vehicle retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) identifying specific charges to the purchase price in the Itemization of Amount Financed box; 4) inserting statement regarding buyer's right to receive a detailed statement of account; 5) inserting statement regarding Unfair Trade Practices; 6) modifying "NOTICE TO BUYER" paragraph; 7) adding three more elements to the acceleration clause; and 8) revising notice of intent to resell to 15 days. Revised forms, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). Style and design enhancements have been applied to this document. Please reference the BSI E-Form Style Guide Communication for information regarding these changes. Mandatory Compliance (12/1/2014) RSSIMVLFLZPA - Retail Installment Contract Motor Vehicle Late Fee-PA RSSIMVLFAZPA - Retail Installment Contract Motor Vehicle Late Fee w/arbitration-pa PA HB1128, effective date December 1, HB 1128 repeals Pennsylvania s Motor Vehicle Sales Finance Act (MVSFA) and Goods and Services Installment sales Act (GSISA) and reenacts and consolidates the two Acts under Title 12, Part V of the PA consolidated statutes, titled the Consumer Credit Code. The Motor Vehicle Sales Finance Act is codified in 12 Pa.C.S. Chapter 62. The following revisions in Chapter 62 affect our motor vehicle retail installment contracts: 1) textual font size requirements throughout the form; 2) format changes to notices; 3) identifying specific charges to the purchase price in the Itemization of Amount Financed box; 4) inserting statement regarding buyer's right to receive a detailed statement of account; 5) inserting statement regarding Unfair Trade Practices; 6) modifying "NOTICE TO BUYER" paragraph; 7) adding three more elements to the acceleration clause; and 8) revising notice of intent to resell to 15 days. Revised forms, pursuant to HB1128, cannot be used BEFORE December 1, 2014 (effective date). New - Mandatory Compliance (1/1/2015) VMP942PA - Power of Attorney for Borrowers Wolters Kluwer Financial Services has discontinued the POA-PA and replaced it with the VMP942PA. PA Consolidate Statutes Title 20, Chapter 56 prescribes specific language and format for a power of attorney in the State of Pennsylvania. This is a power of attorney for the borrower. This form is optional and may be used for a durable power of attorney, or a broad conventional (non-durable) power of attorney. 6

11 Lending Electronic Modules: State-Specific Forms Washington VMP6AWA - Deed of Trust with MERS-WA This form has been revised due to the notary date being inadvertently left off the notary acknowledgment in the last update. The short form certificate identified in RCW requires this date. VMP966AWA - Residential Arm Loan Disclosure Summary This form has been revised to conform to the Washington Department of Financial Institutions model form. The revisions include the removal of all GFE references, relocation of the yield spread information by relocating from under the fee section to the condition of loan section, renaming broker origination fee to broker's fee, rewording of the definition for yield spread premium and adding the contact information for the Department of Financial Institutions. 7

12 Deposit Electronic Modules: Multi-State Forms Deposit Electronic Modules DEM and DEMCU Multi-State Forms Technical Defect VMP Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding - Individual (IRS form W-8BEN) Technical changes were made to this document; however, the revision date on this document was not changed. The Country field in section 3, and the field for section 9, under Part II, were duplicate public names. The field in section 9 has been changed from BeneficialOwner.Address.Country to BeneficialOwner.Country. 8

13 Glossary of Terminology: Multi-State Forms Glossary of Terminology This section is a glossary of terminology to provide more accurate and consistent communication. Mandatory Compliance (xx/xx/xx) The new or revised document is being driven by legislative or regulatory mandate and is required to be implemented by the effective date indicated. OR The new or revised document is being driven by legislative or regulatory mandate, but the mandate has not defined an implementation date. All parties (Wolters Kluwer Financial Services, alliance, and customer) must respond in a manner as timely as possible to implement. The new or revised document has: A change in feature or function of a Wolters Kluwer Financial Services document driven by market and customer input to be more useful or easier to use. Wolters Kluwer Financial Services determined clarification or enhancement of a Wolters Kluwer Financial Services document to provide added value. Update to a state or federal form in terms of verbiage or fields which has been incorporated to match the government s changes. The old version of the form is still compliant; however, future revisions driven by legislative and regulation imperatives will be rendered on the new version of the form, not the old version. The implementation time frame by alliance and customer is discretionary, but it is incumbent on the parties to implement in a timely manner so as to not jeopardize continued compliance. (Note: Government form revisions may drive a timelier implementation.) Discontinued (xx/xx/xx) The document is being discontinued and replaced by another document as specified. The discontinued document is still compliant; however, future revisions driven by legislative and regulation imperatives will be rendered on the new version of the document, not the old version. The implementation time frame by alliance and customer is discretionary, but it is incumbent on the parties to implement in a timely manner so as to not jeopardize continued compliance. OR The form is being discontinued and no longer supported. There is no replacement form designated and form will not be supported at specified date. The action could be driven by several causes such as removal of compliance requirement or business decision to not support a line of business. Technical Defect The new or revised document has a change that relates to the technical structure of the e-form which is non-regulatory and/or non-visible to the form s end user. For example, such changes could be the size of a data field on the e-form or field label which is not visible to the end customer. The document implementation is discretionary, but should be accomplished in a timely manner. 9

14 Glossary of Terminology: Multi-State Forms Technical changes are not communicated in the E-Forms Partner Newsletter, but in the full release. Enhancement A change needed to enhance an existing form or to create a new form. 10

15 Completed Forms Grid September 2014: Multi-State Forms Completed Forms Grid September 2014 Below is a list of E-Forms which were recently completed In Compliance Services. File Name Form Number Description Revision Date MARSMFAZ RSSIMVLFAZMA Retail Installment Sale Agreement Not For Use in Transactions Secured by a Dwelling 8/30/2014 KSETM21 ETM-2-LAZ-KS Electronic Funds Transfer Disclosure Statement 10/18/2014 MNETM21 ETM-2-LAZ-MN Electronic Funds Transfer Disclosure Statement 10/18/2014 MIETM20 ETM-2-LAZ-MI Electronic Funds Transfer Disclosure Statement 10/18/2014 WVBUYORD BUY-ORDER-WV Buyer's Order 8/30/2014 TX8042 VMP8042TX Home Equity Fixed/Adjustable 1 Yr. Rider 11/1/2008 WVUNSLZ UNS-LAZ-WV Universal Note and Security Agreement Laser 11/30/2008 NE521MHZ 521MH-LAZ-NE Manufactured Housing Transfer Statement 8/29/2014 XXETM21 ETM-2-LAZ Electronic Funds Transfer Disclosure Statement 10/18/2014 COETM21 ETM-2-LAZ-CO Electronic Funds Transfer Disclosure Statement 10/18/2014 XXHSADIS HSA-DIS-LAZ Health Savings Account Distribution Form 8/1/2014 MARSMFLZ RSSIMVLFLZMA Retail Installment Motor Vehicle Contract with Late Fee 8/30/2014 MN1077 VMP1077MN Lock-In Agreement 6/1/2014 CAETM2LZ ETM-2-LAZ-CA Electronic Funds Transfer Disclosure Statement 10/18/2014 MAETM23 ETM-2-LAZ-MA Electronic Funds Transfer Disclosure Statement 10/18/2014 XXHSACNI HSA-CNIN-LAZ Health Savings Account (HAS) Contribution Instructions 8/1/

16 Product Support: Multi-State Forms Product Support Technical Support , Ext (available from 7 A. M. to 7 P. M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e- mail are checked hourly between 8 A. M. and 5 P. M. Central Standard Time. Wolters Kluwer Financial Services P. O. Box 1457 St. Cloud, MN Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing , Ext Forms Use and Compliance Questions IRA Forms Questions: , Ext Real Estate Lending Forms Financial Institutions: , Ext Other Lending and Deposit Forms Financial Institutions: , Ext When Contacting Us: Please have your customer number available when contacting us. There may be situations where you provide or are asked to provide data to Wolters Kluwer Financial Services for assistance in troubleshooting, implementation, or the delivery of professional services. When doing so, do not provide actual live data of your customers. Provide sample, fake data that is representative of the issue you are experiencing. To learn more about Wolters Kluwer Financial Services, visit our web site at www. WoltersKluwerFS.com. Information on E-Forms is found by typing E-Forms in the Search box. We welcome your comments, suggestions, or ideas for enhancements to this update. 12

17 About Wolters Kluwer Financial Services - Whether complying with regulatory requirements or managing financial transactions, addressing a single key risk, or working toward a holistic enterprise risk management strategy, Wolters Kluwer Financial Services works with more than 15,000 customers worldwide to help them successfully navigate regulatory complexity, optimize risk and financial performance, and manage data to support critical decisions. Wolters Kluwer Financial Services provides risk management, compliance, finance and audit solutions that help financial organizations improve efficiency and effectiveness across their enterprise. With more than 30 offices in 20 countries, the company s prominent brands include: FRSGlobal, FinArch, ARC Logics, TeamMate, Bankers Systems, VMP Mortgage Solutions, AppOne, GainsKeeper, Capital Changes, NILS, AuthenticWeb and Uniform Forms. Wolters Kluwer Financial Services is part of Wolters Kluwer, a leading global information services and solutions provider with annual revenues of (2012) 3.6 billion ($4.6 billion) and approximately 19,000 employees worldwide. Please visit our website for more information. Wolters Kluwer Financial Services 6815 Saukview Drive St. Cloud, MN Toll-free: To learn more visit WoltersKluwerFS.com Wolters Kluwer Financial Services, Inc. All Rights Reserved. 1